Isicwangciso soTyalo-mali sokuSondeza soBomi

Indlela yokwakha amava akho ngeMali noTyalo-mali

Ukuba ulungele ukufumana ingxaki ngemali kunye nezokhuseleko lwakho lwexesha elizayo, kufuneka uthathe amanyathelo okuqala. Yakha amava akho ngemali ukuze uhlale ungqongqo ngaphambi kokuba uthuthelele kwiimali-mali ezithintekayo, ezinjengokukhetha.

IsiCwangciso soPhuhliso lweNkxaso yoBomi

Unamava amangakanani ekulawuleni nasekutsaleni imali? Jonga apho ulolu hlobo.

1. Vula i- akhawunti yokukhangela kwi-bhanki okanye itena kunye neebhanki. Bhatala iindleko zakho eziqhelekileyo kule akhawunti. Gcina imali kwimvelaphi yakho yomvuzo (ukuhlawula) ngqo kule akhawunti. Cinga ukubeka yonke ingotshe ngokukhawuleza ngqo kumqeshi wakho. Oku kubalulekile kuba kukuvumela ukuba ulandelele imali yakho. Iirekhodi zenyanga zikwenza kube lula ukuqonda apho imali ihamba khona nendlela esetyenziswa ngayo. Ikuvumela ukuba ulandelelanise ukuba imali ekhoyo ukuhlangabezana neendleko kwaye ikuthintele ukuba uchithe imali eninzi kunayo . Ibhonasi: Iibhanki ezininzi zinika ihhafu ukujonga iakhawunti kubathengi abenza idiphozithi nganye ngenyanga.

1. Qala ukugcina imali . Susa enye imali kwi-akhawunti yokujonga rhoqo, mhlawumbi nganye nyanga. Akukho mali encinci kuba enye yeenjongo zokuthatha eli nyathelo kukufumana umkhuba wokugcina imali. Kulula ukucwangcisa ukwenza; Kulula ukuzixelela ukuba kubaluleke kangakanani ukubeka bucala imali kwiimfuno ezizayo. Kodwa kunzima ukuba abantu bakholelwe ukuba banakho ukugcina imali. Ukuba unako ukuhlawula ipesenti ezili-10 ze-deposit yakho yonke, leyo yinqanaba eliphezulu lokulondoloza, kodwa lingaba likhulu kuwe ngeli xesha. Akunjalo ingxaki. Beka bucala nantoni na enokukwazi ukuyigcina - kodwa uthathe imali yonke inyanga ukongeza kwi-savings yakho.
   
   Kukuphi ukubeka le mali kunye nendlela yokunika ithuba lokufumana imali eyongezelelweyo yinjongo yokutshala imali . I-akhawunti yokulondoloza inokuhlawula ngaphaya kwento engenayo inzala, kwaye ayinelisekanga yokudibana neenjongo zexesha elide. Kodwa amazinga omyinge aguqukayo kwiminyaka kwaye kukho amaxesha apho i-akhawunti yokulondoloza yindawo efanelekileyo yokugcina imali yakho.
   
   Okwangoku, iinjongo eziphambili kukufumana umkhwa wokugcina imali rhoqo, kuya kwenza impembelelo enkulu kwixesha elizayo lokuzinza kwezemali. Kungaba nzima ukukholelwa ukuba kubaluleke kangakanani oku, kodwa ekugqibeleni uza kubona ukuba ukwenza oku kuzinikela ukugcina imali - kwaye awuselula ukuba uqale-kwenza lula ubomi bakho.
   
   Xa imali iqala ukuqokelela, unokugqiba ukuyifaka imali. Leyo yindlela yokufumana imali yakho kwiminyaka. Uninzi lwezigqibo zokutshala imali lukhona, kodwa ngenxa yabantu abaninzi, iimarike zentengiso zehlabathi (ngaphezulu ngezantsi apha) zimela umzila wokutshala imali okhoyo (kodwa awuqinisekanga) ukukhokelela kwixesha elizayo lezezimali ezikhuselekileyo.

1. Amakhadi aMatyala . Xa uthengela into ngoku - ingakumbi xa ungayidingi, kodwa ufuna ukuxhaswa ngokukhawuleza okuza kunye nokuthenga, kwaye unayo imali yokuhlawula loo nto, kubonakala kuyimvelo ukuyithenga njalo-usebenzisa ikhadi lekhredithi. Lo mkhuba kufuneka ugwenywe ukuba unenkxalabo yenkxaso yemali ezayo.
   
   Ukuxhaswa ngokukhawuleza kuza kwixabiso elikhawulezileyo. Ukuba uthelekisa ukufumana imali engenayo ekutyala imali kunye neendleko zokuhlawula umrhumo kwizinga eliphezulu kakhulu ukuba iindleko zokuboleka ngekhadi lokuthenga ngetyala, uya kubona ukuba akunangqiqo ukulindela ukufumana imali eninzi kutyalo-mali lwakho kunokuba uhlawula inzala kwenkampani yekhadi lesikweletu. . Ukuguqulelwa: Ukuhlawulwa kwetyala lekhadi lokuthenga ngetyala kukunciphisa ngokwezimali kangangokuba kungenzeki ukuba inzuzo yakho ikhule ngokutyalomali ngelixa uzama ukuhlawula ikhadi lekhredithi.
   
   Ukuba uyayidinga, kwaye ukuba uyakwazi ukuyithenga - yithenge. Ukuba unako ukuhamba ngaphandle kwayo, ngoku, gcina imali kwaye uthenge into kamva. Le ngcebiso ibaluleke ngakumbi xa kucingwa ukuthenga imoto. Umfundi omtsha ogqwesileyo uphethwe ngokuthenga imoto engasabizi kakhulu kunye nokugcina imali ekuthengeni imoto entsha, kunokuba ngokuboleka amabhakethi amakhulu ukuba abe naloo moto emitsha namhlanje.
   
   Ngaloo ndlela, utyalo-mali lwakho lokuqala lokuqulunqa i-matyala. Kungcono ukuba unqanda ukufumana iitalato kwindawo yokuqala, kodwa ukuba sele sele sele ulibalekile ukuphepha loo mqobo wezoqoqosho, zenzele ubabalo kwaye uhlawule loo matyala aphezulu. Ngaloo ndlela uqala ukugcina imali kuwe (endaweni yokuyihlawula kwibhankini).

1. LeMfundo . Kukho indawo ezininzi apho imali ingatyaliswa khona kubalulekile ukuphepha ukugxeka. Indlela elula yokugwema izicupho ezinjalo azize zithathe iingcebiso zezezimali kumntu nabani na othembekileyo ongenakuzimela ngokuzimeleyo. Ngokomzekelo, ukuba ukhetha uchwepheshe wezezimali ukunika isikhokelo, kunceda xa umntu owaziyo ecebisa ukuba umthengisi, umcebisi, okanye umcebisi wezemali.
   
   Kungcono ukuhlala kude ne-estate, imali, ubugcisa, njl ngenxa yokuba zifuna ulwazi olukhethekileyo nemfundo ethatha iminyaka ukuqokelela. Gcina ukhumbula ukuba abantu abathengisa iimali (ngakumbi igolide) kuwe-bathenge ezo zinto ngexabiso elincinci kakhulu kwaye ukhulule loo mali kwixabiso elingaphezulu ngaphezu kwexabiso elikhoyo-kwaye oko kuthetha ukuba utsalo-mali lwakho luya kulahla imali phambi kweyinki omeleyo yakho ntlawulo.
2. Imarike yemasheya yindawo engcono kakhulu kubantu abaninzi ukuba batyale inxalenye yokonga kwabo. Inyaniso kukuba kukho amaxesha apho iziphumo ziya kuba zibi. Kwakhona kuya kuba lula, amaxesha amnandi xa ufumana imali eninzi. Ezi ziphezulu kunye nokuhla kwezityalo zivame ukusebenzela abantu abaninzi abanomlinganiselo wokutsalwa kwezoqoqosho kunye nexesha elide kunye nokuqeqeshwa ukuba baphephe ukukhathazeka xa behla. Nangona kunjalo, i-market market ayikho wonke umntu kwaye kufuneka uqonde iimvakalelo zakho kwaye nokuba akunjalo kuwe. Kubalulekile; Musa ukuthatha amathiphu atyalo-mali athile avela kubantu abafuna ulwazi olukhethekileyo okanye ingqiqo.
   
   Ukuba utyalo-mali kwimarike uyaziva kakuhle, qalisa ngokukhawuleza kwaye nceda: ungazami ukukhetha amasheya. Bambalwa kakhulu abatyalo-mali kunye nezo zibandakanya abaqeqeshi-banokukhetha iphothifoliyo yesitokethi ehlawulayo imilinganiselo yeemarike. Kungcono ukuba uqale ngokuxuba umxube wee-stocks, kwaye ezo zifuyo kufuneka zibe kumaziko ahlukeneyo. Indlela elula yokufeza loo njongo kukutyalomali kwiifayile ze-ETF okanye (ezibhetele kangcono) eziza neemali ezincinane zokulawula. Musa ukulingwa ukuba uthenge iimali ezixhamlayo- ngakumbi xa beza nekhomishini (ebizwa ngokuba ngumthwalo wokugqibela) kumthengisi othengisa i-fund.
   
   Njengoko ixesha lidlulayo, njengoko uqhubeka ukongeza kwindleko yakho, ngokunjalo ulwazi lwakho kunye namava akho aya kukhula. Ukuba unayo ixesha (kwaye kuthatha ixesha elihle) kunye nokuthambekela, unokufuna ukufunda indlela yokwenza uphando olumangalisayo kwiimpahla zodwa, mhlawumbi (kusengumsebenzi onzima) zama ukufumana iinkampani ezinethemba labo elizayo. kunabanye abatyalo-mali. Kodwa ndiyakhuthaza ukuba unamathele ngemali yenkcazo.

1. Khetha . Xa ukhululekile ngokuthatha imali kwimfudumalo yakho engenayo; xa unelisekile ukuba utyalo-mali luyasebenza kuwe; xa ungathanda ukunciphisa inani lemali engozini kwaye ngokukhawuleza ukwandisa amathuba okufumana imali-yithuba lokuba uqale ukufunda konke malunga nokukhethwa kwezinto.
   
   Isilumkiso: Xa abantu bethetha malunga nokukhetha bahlala bexhala kakhulu ngeziphumo ezinokwenzeka. Musa ukuphulaphula aba bantu. Musa ukungena kwiindlela zokusebenzisa. Thatha ixesha lokuqonda indlela abasebenza ngayo ukuze wazi ukuba ungaqalisa njani ngeendlela ozikhethayo . Izinketho zingasetyenziselwa kwizicwangciso ezahlukeneyo ezivumela abatyali-mali ukuba baphucule iimali zabo ukuze ba:
   
   a. Yenza ngcono phantsi kweemeko ezithile zemarike. Ukuba ulindele i-market ye-bullish, ye-bearish, okanye engathathi hlangothi, unokufumana imali eninzi xa uqikelelo lwakho luchanekile. Ukuba ulindele ukuthengiswa kwezinto ezizenzekelayo (okanye ukuzola), unokusebenzisa iindlela zokunyusa ukusebenza kwakho. Ngamafutshane, ukhetho luyahlukahluka kwaye lunokusetyenziswa kwizicwangciso ezahlukeneyo.
   
   b. Ukubonelela ngembuyekezo engaphantsi; oko kukuthi, ixabiso lepotfoliyo yakho liyakwandisa okanye linciphise ngaphantsi kwelo shishino. Uya kufumana imali encinci ngexesha leminyaka engama-bullish; ukulahlekelwa ngaphantsi xa i-marhwebo iyancipha, kodwa, ngokugqwesileyo kubo bonke, uya kukhangela i-market yemarike rhoqo xa iimarike zisebenzisela ulwahlulo, ingavuki okanye iwele ngexabiso elithile kunani na ixesha elililo.

Ihlabathi lezezimali linokuzonwabisa - kodwa akukho nto iphosakeleyo ngokuxhamla. Kungaba nzima ukubukela i-asethi yakho ngokuthe ngcembe iqokelele unyaka emva kweminyaka kunye elishumi emva kweminyaka elishumi. Ke ngoku? Xa unayo imali oyifunayo ukuyithenga ikhaya, fundisa abantwana, unakekele umhlalaphantsi wakho - uya kuvuyisa kakhulu ukuba wamkela indlela ekhohlakeleyo yokhuseleko lwemali.

Kuthatha umzamo kwinqanaba lakho - ngokuyinhloko ukufunda oko akufanele ukwenze kunye nendlela yokuphepha iimpazamo ezibi. Kuthatha umonde ngenxa yokuba kufuneka uqonde xa imfundo yakho ingenakwanele ukuba iphinde ingene kwizinto eziphambili (ezifana nokukhetha okukhethayo). Kuthatha ukuqeqeshwa ukuhlala kunye nenkqubo kwiminyaka emininzi. Kodwa iziphumo zifanele yonke into emisebenzi oyifakayo kule projekthi.