Yikholwa okanye cha, le minyaka iyakwenza okanye iphule ikhono lakho lokuthatha umhlalaphantsi ngexesha , thumela abantwana bakho bekamva kwikota yekholeji , okanye ukuba ikhaya lakho lihlawulwe ngaphambi kokuba uphenduke 60.
Nesi sizathu sokuba ama-20 akho abaluleke kakhulu, kwaye unokwenza ntoni ukuze uziphathe ngendlela efanelekileyo yemali.
Amandla eNkcubeko
Ukucacisa ukuba kutheni i-20 yakho ibaluleke kangaka, makhe sikhulume ngento encinane ebizwa ngokuba ngumdla .
Kubaluleke kakhulu, u-Albert Einstein ubhekisela kuye njengamandla amakhulu kunawo wonke kwindalo.
Inzala enomdla ibhekisela kwimali ekhula ngokwayo. Ingeniso yotyalo-mali ekhula ngokukhula kwayo.
Ukuba oko kukuvakala ngokungabonakaliyo, makhe sibone ngomzekelo wokucinga.
Makhe sicinge ukuba unama- $ 100. Xa useneminyaka engama-20, utyalo-mali kwaye ufumane i-10 ekhulwini. Oku kuthetha unyaka olandelayo, unayo i-$ 110.
Ugcina i-$ 110 yonke imali kwaye ifumana iipesenti ezili-10 ubuya kwakhona. Ngonyaka wesibini, uzuze i-dollar 121: i-$ 10 ivela ngonyaka wokuqala, kwaye i-$ 11 ivela ngonyaka wesibini.
Kutheni i-$ 11 ngonyaka wesibini? Kungenxa yokuba kungekhona nje ukuba i-$ 100 yakho yasekuqaleni ibuyele i-10 yeepesenti yokubuyela, imali eyongezelelweyo eyi-10 eyi-10 oyifumene nayo yabuya i-10 yeepesenti yokubuya kwayo-elingana ne-$ 1 eyongezelelweyo. Yingakho unayo i-$ 11 ngonyaka wesibini kunokuba ube ngu-10.
Imali yakho iyaqhubeka ikhula phezu kwayo yonyaka unyaka ukuya kube ngumnyaka wesixhenxe, kwiminyaka engama-27 ubudala, i-$ 100 yakho ibe yi-$ 200.
[Funda ngakumbi: Yimibini Imali Yakho kunye noMgaqo we-72 ]
Lo mzekelo ungase uzwakala njengezambatho ezincinane. Ngubani ojongayo ngokuphindaphinda ama-$ 100 ukuya kwii-200 zamawaka ngaphezu kwexesha leminyaka esixhenxe? Masithathe elinye iliso.
Khawucinge ukuba awugcini nje ukutshala imali eyi-$ 100. Cinga utyalomali u-$ 100 ngokuhlawula rhoqo kwi-20s yakho.
Yiba ke ucinga ukuba ayihlali i-invested over the span of years, kodwa ingaphezu kweminyaka engama-40.
Ngoku unesixa esikhulu semali ezandleni zakho. Ingakanani imali yakho inotyalomali, inzala ephangaleleyo isebenze ngokwakho. Yingakho ufuna ukugcina imali yakho inotyalwe ixesha elide kunokwenzeka.
Indlela efanelekileyo yokufezekisa le nto iqala ngokukhawuleza. Yingakho i-20s yakho yithuba elifanelekileyo lokuqalisa ukugcina nokutyalomali, ngokukodwa kwiinjongo zesikhathi eside njengomhlalaphantsi. Ngombulelo umnqweno, umgcini nje osindisiweyo nje ngoku unako ukuvelisa iziphumo ezinkulu phantsi komgwaqo.
Xa Inzala Yomdla Ixhoba Kuyaku
Hlalani nikhumbule ukuba xa kuziwa ekuhlawuleni ityala , inzala enomdla ingasebenza kunye nawe.
Ukuba sele inomdla kwilityala lakho likhula phezu kwayo, ikhudlwana kwaye ikhulile imanani yokugqibela iba. Ekugqibeleni, inzala oya kuhlawula ityala lakho ilingana okanye ikhulu kunomlinganiselo wokuqala obolekelwe.
Yingakho i-20s yakho yinto eninzi yokuhlawula nayiphi na amatyala ayenayo xa usemncinci-kungabi nantoni nokuba ngaba ityala lekhadi lesikweletu, umboleko wemoto okanye umboleko wesikolodo. Ukukhangela kubandakanya umdla wokusebenzela, kungekhona kuwe.
** Lo mzekelo uthatha ukubuyela ngonyaka kweepesenti ezili-10, iirhafu zichazwe kwaye iyancipha.
Lo ngumzekelo wokucinga owenzelwe ngenxa yomzekeliso. Zonke iimali-mali zibeka ingozi yokulahleka, kuquka ukulahlekelwa yinqununu. Iziphumo zakho ziyahluka. Eli nqaku lenzelwe iinjongo zeengxoxo kuphela kwaye akufanele libhekiswe njengeengcebiso zotyalo-mali. Soloko uthetha nomcebisi wezezimali ovumelekileyo.