Cinga iOnvest Investment Option
Uninzi lwamaziko okutshala imali kwi-intanethi kunye neefomali zokutyalomali zinenani elincinci lokutsalwa kwezolimo Ukongezelela banokufuna ukuba ugcine loo mali njengobhalansi obuncinane okanye baya kuvala i-akhawunti yakho. Uninzi lwamafama otyalo-mali luza kutyalomali i-$ 5,000.00, ngelixa iifemu ze-intanethi zinenani elincinci lokutsalwa kwe-$ 1,000.00. Ukuba ulungele ukuqala utyalo-mali (kuthetha ukuba unetyala elingenanto ngaphandle kwekhaya lakho), usenokungenayo okwaneleyo umlinganiselo osisiseko wokutyalomali. Yinyathelo elinchukumisayo ukuqala ukutshala imali okokuqala. Utyalo-mali ngenye yezinto zokuqala zokwakha izityebi . Kukho iinketho ezininzi ezikhoyo kuwe.
- Yenza uphando ngokucokisekileyo. Qiniseka ukuba ukhangele udumo lwenkampani yakho yokutyalomali.
- Cinga iifemu ezinokuzikhethela nge-intanethi kunye nemveli.
- Khangela izidlo ezibandakanyekayo kumashishini.
Gcina i-Minimum Minimum
Unokugcina kuphela uze uhlawule inani elincinci lokuhlawula.
Dlulisa imali oya kutyalo-mali kwi-akhawunti yokulondoloza, de kube unomlinganiselo omncinci wokuhlawula. Kungathatha iinyanga ezimbalwa ukugcina imali yokuqalisa imali. Kusemgangathweni ukubeka loo mali ngaphandle. Kwakhona nethuba elihle lokubona ukuba ngaba uqeqeshelwe ngokwaneleyo ukuqhubeka utyalo-mali.
Abantu abaninzi banokugcina i-$ 1,000 ngenyanga okanye ezimbini nje. Kumele kube lula xa unetyala lokukhululeka ukwenza oku.
- Yenza umgudu wokugcina imali ngokukhawuleza.
- Ukugcina imali kunokukunceda ukuba uzimisele ukuba uqale ukutyalomali.
- Ukusebenza umsebenzi wesibini ngexesha elifutshane kunokukunceda ukhulise imali oyifunayo ukuqala ukutyalomali.
Cinga ngokuqalisa ukutyalomali lwakho nge-IRA
Ungaqwalasela ukuba ngaba kukho impendulo xa uvula i- akhawunti ye-IRA ngokuzenzekela ngokuzenzekelayo kwi-akhawunti. Iinkampani ezininzi zivumela ukuba uqale utyalo-mali kwi-akhawunti ye-IRA nge-investor yokuqala engaphantsi xa uza kubhalisela ukutshintshwa ngokuzenzekelayo. Oku kuyindlela enhle, kuba yenza utyalo-mali ngokuzenzekelayo. Uvele ubeke apho ufuna imali ihambe xa uqala ukumisa i-akhawunti.
- I-akhawunti ye-IRA ikuvumela ukuba ube neyona nto incinci yokutshala imali.
- Ngeke ukwazi ukufikelela kwimali kule mali-mali uze ube ngu-59 nesiqingatha ngaphandle kokuhlawula isigwebo.
- Ukutshintshela ngokuzenzekelayo kunokukunceda ucwangcise umhlala-phantsi ngempumelelo, ingakumbi ukuba awufaneleki i-akhawunti yomhlala phantsi ngomqeshi wakho.
Qinisekisa ukuba uyazi Ukukhetha kwakho
Ngaphambi kokuba wenze utyalo-mali, kufuneka uqonde apho ubeka khona imali yakho kunye noko utyalo-mali uza kukwenzela khona.
Ngaphandle kokuba uthathe iiklasi okanye uthathe ixesha lokufunda i-market market yakho eyona nto yokhuseleko kunye nelula kakhulu ukutshala imali kuyo. Nangona kunjalo kufuneka uqwalasele ngokucophelela izinto ezifana nomlando wokufumana i-fund, iintlobo zesitokethi ezithengayo, kunye nemirhumo yokuthenga, ukuthengisa nezindleko zokulawula.
- Fundisisa imarike kwaye ufunde malunga neentlobo zotyalo-mali oziva uzikhuselekileyo ngazo.
- Funda iincwadi kunye namanqaku eemali ukuze ufunde malunga nendlela i-marhwebo isebenza ngayo nendlela eya kukunceda ngayo.
- Ngelixa ulungiselela ukutyalomla ingqalelo emva kweemarike ukuyiqonda isebenza.
Cinga ngokusebenzisa umcebisi wezemali
Ukuba awuqinisekanga malunga nento oyenzayo, kufuneka uthethe kumcebisi wezemali . Kufuneka akwazi ukuchaza uhlobo ngalunye lotyalo-mali kunye nezizathu ezicebisa ngazo ezo ntlobo zeempahla.
Ukuba akakwazi ke ngoko ufuna ukufumana omnye umcebisi. Isitshixo sokwakha ubutyebi kukubeka imali yakho kwaye uyishiye apho. Ukuba uhlala uyidonsa ngethuba leemarike, awuyi kubakha ubutyebi.
Utyalo-mali yindlela enhle yokuqala ukwakha ubutyebi. Nangona kunjalo, kubalulekile ukukhumbula ukuba imarike iya kuguquka. Awufuni ukukhupha xa i-marhwebo iyancipha ngenxa yokuba yilapho ulahlekelwa yimali. Ukuba unako ukuxhomekeka apho i-marhwebo isezantsi, kufuneka ibuye kwaye uza kukwazi ukwenza imali kwimakethe yemasheya. Ukuba awuqinisekanga ukuba uya kukwazi ukujongana nokuhla kwezomnotho, kukulungele ukufumana umcebisi wezemali onokukunceda ukuba uqonde kakuhle.