Yintoni Injongo Yotyalo-mali kwaye Ungayenza njani enye?
Ngamazwi ahlukeneyo, injongo yotyalo-mali iyona sizathu esibalulekileyo sokuba utyalo-mali.
Injongo yotyalo-mali ingachaza nendlela i-joint fund ingenisa ngayo iphothifoliyo yayo. Ngokomzekelo, ngokubhekiselele kwiimali ezihlanganyelweyo, injongo yotyalo-mali ichaziweyo ibonisa iinjongo zokutsalwa kweengxowa-mali, ngokusekelwe kumagama kwi-prospectus yesikhwama.
Indlela yokuQinisekisa iNjongo yoTyalo-mali kuTyalo-mali ngabanye
Injongo yokutyalo-mali inokuqwalaselwa impendulo kwimibandela engundoqo ekufuneka uyibuze ngaphambi kokuba uqale ukwakha iphothifoliyo . Iyintoni injongo yemali yakho? Ufuna ukuba wenze ntoni? Unako ixesha elingakanani uze ufune le mali? Ingozi engakanani ozimisele ukuyithatha ukufumana ukubuyisela okuphezulu ngaphezulu? Ngaba ufuna imali yakho ikhule okanye ufuna ukuyigcina ixabiso langoku?
Iimpendulo kule mibuzo ziya kukunceda ufike ngexesha lakho lokutshala imali kunye nokunyamezeleka kwengozi , ezizinto eziphambili zokumisela injongo yakho yokutshala imali. Ngokomzekelo, ukuba injongo yenkxaso yakho yimali yomhlalaphantsi, kwaye uqikelele ukuba ubuncinane ubuneminyaka engama-20 kude kube le njongo yokutyala inokufikeleleka, unenjongo ende.
Ukucinga ukuba ukunyamezela kwakho ingozi, iinjongo ezifanelekileyo zokutsalwa kweengxowa-mali ziza kubalwa ngokubanzi njengokukhula. Ngako oko ukhangele i- stock exchange funds , kunye nezinye iimali zokudibanisa iipotifoliyo yakho.
Imizekelo yeenjongo zokuTyala kunye neNdidi zoTyalo
Injongo yakho yotyalo-mali inokuqwalaselwa ukukhula kodwa inokufumana ingeniso okanye ukulondolozwa, ukuba uhlala umhlala phantsi, nokuba inokudibanisa okanye udidi lwezo ntlobo.
Ngokomzekelo abanye abatyalo-mali bafuna ukukhulisa ixabiso le-akhawunti ngexesha elide kodwa nabo bafuna ukuthatha ingeniso kwiingxowa-mali zabo. Ngako oko, le njongo inokuthi ithathelwe ingqalelo nokukhula kunye nemali engenayo . Iinjongo zokulondoloza ziza kufuna ukugcina iigxina zeakhawunti zizinzile okanye, ubuncinci, zikhule ngezinga elilinganayo nezinga elilindelekileyo lokunyuka kwamaxabiso, okuqhelekileyo malunga ne-3.5% ukuya kwi-4.0% ngenjongo yokutyalo.
Ngaphambi kokuba uqale utyalo-mali, qiniseka ukuba uzimisele injongo yakho yokutshala imali. Emva koko uza kukwazi ukufanisa injongo yakho kunye neengxowa-mali zokuthenga ezifanelekile wena kunye neenjongo zakho.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.