Kodwa kukho ukhetho lokutyalomali ngexesha elifutshane, kunye neendlela zokutshala imali ukufikelela kwixesha elide. Kusenokwenzeka ukuba uye wakuva ngokutyalomali kwexesha elide kunye nokutyalomali kwexesha elifutshane, kodwa aqinisekanga oko bathethayo, yintoni ummahluko, okanye yintoni isicwangciso sokutsala okulungileyo kuwe.
Okokuqala, machaze imigaqo. Utyalo-mali olude lotyalo-mali lusemgangathweni ophezulu wokuphucula ukubuyela kwakho kwiminyaka eyi-10. Imizekelo yezothutho zexesha elide ziquka iifowuni kunye neenkcukacha zezimali.
Utyalo-mali ludlulileyo lutsha -mali okulindele ukuba ubambe iminyaka engama-3 okanye ngaphantsi, ngoko uthengise kunye / okanye uguqule imali. Imizekelo yokutyalwa kwexesha elifutshane iquka imali yeemarike zemali, izatifikethi zediphozithi kunye neebhondi zexesha elifutshane. Ngelixa abantu abaninzi bezama ukudlala imarike okanye bacacise ngokuthi "ukuhweba kwamasuku," yile shishini eliyingozi kwaye kufuneka ufundise kwaye wenze uphando lwakho ngaphambi kokuba uzame utyalo-mali olufutshane. Kubantu abaninzi, kulula, kwaye kukhuselekile ukucwangcisa utyalo-mali olude.
Funda ngokumalunga nokutsalwa kwexesha elifutshane kunye nexesha elide elingezantsi ukufumanisa isithuthi esilungileyo.
Ixesha elide loTyalo-mali
Utyalo-mali lwangexesha elide utyalo-mali oluhlawulela ixesha elidlulileyo leminyaka.
Xa utyalomali ixesha elide, unako ukwenza utyhafu, ngoko unokukhetha ukutyalomali kwingxowa-mali enobudlova ukuze uthole ixabiso eliphezulu lokubuyisela.
Misela izinga lokubuyisela oyifunayo, ngoko ujonge i-fund efanayo ukuba imilinganiselo yezinga lokubuyisela kwiminyaka emi-5 ukuya kwe-10. Xa utyalomali ixesha elide awufanele ukwesaba xa izitokisi zitshona kwaye akufanele uthengise xa iimarike zibukeka zibi.
Nasi isizathu: Iimarike zihamba kwaye zisoloko zifumene emacaleni edlulileyo, nangona kungathatha ixesha ukwenza njalo. Nangona kunjalo, ukuba ukhupha xa amaxabiso aphantsi, ungalahlekelwa yinxalenye yemali owayile imali. Ukuba kukho ukudibanisa kwiimarike, kufuneka uhlale ungqongqo kwaye ungabikho imali yakho. Bavumele bafumane ixesha elide.
Kufuneka uqaphele: kungekudala kufuneka utyalomali imali yakho enkulu ingozi onokuyithatha. Ukuba udinga imali kwiminyaka embalwa ezayo, uya kufuna ukuthatha indlela engakumbi yokugcina imali kwezoqoqosho lwakho kwaye ungakhetha ukutyalomali ngendlela ekhuselekileyo yotyalo-mali. Enye into ekukhetheni uhlobo lotyalo-mali lungaba yilokho uceba ukusebenzisa imali. Oku kunokumisela ingozi enokuziva ukhululekile ngayo ngelixa utyalomali.
Utyalo-mali lwangexesha elide lufaneleke ngakumbi kubatyalomali abafuna ukugcina injongo yexesha elide, njengomhlalaphantsi okanye iikholeji. Akufanele ubeke imali kwixesha elide lotyalo-mali ukuba uceba ukuthengisa ngeminyaka emithathu, okanye usebenza ukuya kwinjongo yesikhashana, njengeholide.
Utyalo-mali olufutshane
Njengoko igama libhekisela, ukutyalomali kwexesha elifutshane elithengiswa emva kweminyaka emithathu okanye ngaphantsi. Imizekelo yezithuthi zotyalo-mali ezithengisa ixesha elincinci lokutyalo-mali zii- stocks, imali kunye kunye nezinye izibophelelo kunye neemali ezidibeneyo.
Unokuva kwakhona ngabatyalo-mali abancinci ababizwa ngokuba "ngabahwebi bemini." Ngaphambi kokwenza oku, kufuneka uqonde izinto ezisiseko zeemarike zamasitoreji, qaphela ukuthengwa kwempahla, kwaye khumbula ukuba kunzima kakhulu ukufumana inzuzo ephezulu kunezinga eliqhelekileyo lokubuyiselwa kweemarike zentengiso (malunga ne-7% ) ngokuthengisa ixesha elifutshane.
Ukongezelela, akufanele ube notyalo-mali lwakho kwinkampani enye. Ukuba loo nkampani yayiya ngaphantsi koko uya kulahlekelwa yinto yonke. Ukusabalalisa izitokisi zakho kwiinkampani ezahlukeneyo kunye neentlobo zeenkampani. Ngesi sizathu, kubonakala kulula ukukhetha imali embalwa yokubambisana esele isasaze ingozi ngokuthenga iintlobo ezahlukeneyo zesitokisi. Uze utyalomali imali ozimiseleyo kwaye ukhululekile ukulahlekelwa.
Ukufumana ukulingana okufanelekileyo
Xa kuziwa kutyalo-mali, kubalulekile ukufumana ibhalansi elungileyo kuwe nakwiimeko zakho.
Ngaphambi kokuba uqale utyalo-mali, ingaba lifutshane okanye utyalo-mali olude, kufuneka ube neenjongo ezicacileyo engqondweni.
Nangona unomdla kakhulu kwixesha elifutshane lotyalo-mali, kufuneka ubeke eceleni isabelo semali yakho yokutyalomali olude. Oku kuya kukukhusela ukuba ulahlekelwe yimali yakho ngenxa yokuphazamiseka kwemakethe okanye ngokutsha. Utyalo-mali luyindlela ebalulekileyo yokwakha ityebi kwaye ayikho into yokuphepha okanye ukubayike.
Ezinye iingcebiso:
- Cinga ukusebenzisa umcwangcisi wezemali ukukunceda ukuba ufumene iinjongo zakho zemali kunye nokunyamezela. Umcwangcisi wezemali unokukunceda ukuba wenze iphothifoliyo yokutshala imali ehambelana nezo zinto. Iinjongo zakho zezezimali ziyakunceda wena kunye nesicwangciso sakho sezemali sinqume indlela efanelekileyo yokutshala imali yakho ukususela xa ufuna imali ingakunceda ukuba ubone inani lokukhula olidingayo ngexesha elithile.
- Umgaqo oqhelekileyo wesohlwayo xa utyalo-mali ukudibanisa utyalo-mali, oko kukuthi uthenge iintlobo ezahlukeneyo zamasheya kumacandelo ahlukeneyo kwiimarike, kwaye ube ne-balance balance of investments risquer against those who are less risky.
- Ukuba utyalo-mali ukufikelela kwiinjongo ezithile zemali, njengokuhlawula imfundo yekholeji okanye ukugcina umhlala-phantsi, utyalo-mali lwakho kufuneka luqalise ngokukhawuleza, ngoko lube lukhuselekileyo njengoko loo mhla usondela.
Ukuhlaziywa nguRachel Morgan Cautero.