Beka ulindeleke ngokwenene ngokuqonda izinto ezisisiseko zokutyalomali
Cinga malunga nokuba utyalo-mali olugqibeleleyo luya kubukeka njani ... luya kukhuseleka, lubonelele ngengeniso kwaye lukhule. Le yiyo "unicorn" yokutshala imali efunwa ngumntu wonke. Ngelishwa, ayikho.
Kunoko, kufuneka uqonde ukusekwa kwemali-mali ukuze udibanise utyalo-mali ukufezekisa ukuhlanganiswa okulungileyo kwokhuseleko, ingeniso kunye nokukhula. Ixesha eliqingqiweyo lokudibanisa utyalo-mali "lwakhiwo iphothifoliyo".
Namanyathelo amathathu ongayilandela ukuze uqinisekise ukuba unesibambiso kwizinto ezisiseko.
Yintoni ebaluleke kakhulu kuwe
Isinyathelo sokuqala sokutshala imali kukukhetha ukuba zeziphi iziphumo zibalulekileyo kuwe kule nqanaba yobomi bakho:
- Khu seleko
- Ingeniso
- Ukukhula
Ukuba uqala nje kwaye ungenayo ingxowa-mali yongxamiseko, mhlawumbi ufuna ukugxila kokukhuseleko kuqala. Ukuba unomkhumbi ogcinwe, kwaye utyalomali wokuthatha umhlalaphantsi iminyaka engamashumi amabini okanye ngaphezulu ngaphaya komgwaqo, ukukhula kubaluleke kakhulu. Ukuba uzimisele ukuhlala phantsi, uya kufuna ukugxila kwingeniso.
Ngokuqinisekileyo, utyalo-mali olufanelekileyo luya kubanika bonke: luya kuphepheka ngokupheleleyo, luya kunika inqanaba elaneleyo lemali engenayo ukuze uhambisane nexabiso lentengo, kwaye inqununu yakho iya kukhula.
Ukuba "utsalo-mali olugqibeleleyo" alukho. Endaweni yoko, cinga ngehlabathi lokutshala imali njengotatato. Njengoko uhambela kwelinye ikona lexantathu uhamba ukusuka kwezinye ezimbini.
Ukuba ufuna utyalo-mali olukhuselekileyo, kufuneka uzimisele ukufumana ingeniso encinane nokukhula. Ukuba ufuna utyalo-mali ovelisa imali engenayo, kufuneka uqonde ukuba ayiyi kukhula. Ukuba ufuna utyalo-mali olukhula, kufuneka uzimisele ukufumana ukhuseleko oluphantsi.
Qinisekisa i-Time Time Horizon
- Ixesha elifutshane: imali oya kuyimfuneko kwiminyaka engama-1-2. Ngexesha elifutshane, kufuneka ukhethe utyalo-mali olukhuselekileyo njengama-akhawunti agcino kunye neeCD.
- Ixesha eliphakathi-mali: Imali oya kuyimfuneko kwiminyaka engama-3-9. Kwiminyaka yangekota-mali, cinga nge- fund efanelekileyo .
- Ixesha elide: imali awuyi kuyidinga iminyaka eyi-10 +. Ngethuba lexesha elide, khetha utyalo-mali, njengemali yeengxowa-mali ezizimeleyo ezityala kwiimpahla.
Gcinani engqondweni, nokuba ngaba uya kufuna imali engenayo kwi-investments yakho kwiminyaka embalwa, ixesha lakho lokujonga ixesha elide lixesha lakho lobomi, ngoko ke inxalenye yakho yotyalo-mali iya kubelwa ukukhula.
Ukutyalomali ngokuziphatha, kufuneka uqonde ukuba zeziphi iimali ezinika iziphumo, kwaye zidibanise ngokulinganayo. Njengoko kupheka, ukuba uyazi ukuba wenza ntoni xa ubeka izithako ndawonye ngokufanelekileyo, ufumana umphumo ovuyayo. Xa unayo iresiphi efanelekileyo, konke okufuneka ukwenze kukulandela.
Qalisa
Uya kufuneka unqume ukuba ukhululekile ukutyalo-mali, okanye ukuba kufuneka ufune ukhokelo lobugcisa . Iinqunto zakho zi:
- Yenze ngokwakho.
- Yenza kunye nomntu onokukukhokela.
- Vumela umntu akwenze oko.
Abantu abaninzi banelungelo lokuseka i-akhawunti kwi-intanethi okanye ngesicwangciso somhlala-phantsi somqeshi. Iikethi ezinikezelwa ngamalungiselelo omqeshi zihlala zibonelela ngolwazi oluhle kakhulu lwemfundo kwaye ziya kukuhamba ngezenzo ezifunekayo ukuseka i-akhawunti kwaye uqale ukubeka imali kutyalo-mali.
Abanye benu baya kufuna ukubamba isandla. Le yilapho iinkonzo zomcebisi wezezimali ezilungileyo zingabalulekanga . Umcebisi / umcwangcisi wezezimali unokukunceda ukuba unjani ukuba uluphi uhlobo lwee-akhawunti ozisebenzisayo, ubuninzi bokusindisa, yiziphi iintlobo ze-inshurensi oyifunayo kunye noko utyalo-mali omele ulisebenzise. Xa ufumana umcebisi omhle wezezimali, uya kufumanisa ukuba baya kukufundisa ngokutyalomali ukuze ufunde njengoko uya.