Funda ukuba kutheni ungafanelekanga okanye awufanele ukuthenga imali
Abatyalomali bathengi imali yezivumelwano ngezizathu ezininzi. Baya kuthenga iimali ezidibeneyo ukuze bafezekise iinjongo zexesha elide ezifana nokuthatha umhlalaphantsi okanye banokuthenga iimali ezidibeneyo ukwenzela ukuvelisa umvuzo wengeniso ngelixa behlala kwiminyaka yabo yomhlalaphantsi. Kungakhathaliseki isizathu sokuba uthenge iimali zentsebenziswano, enye into icacile - kufuneka uqonde iiprojekthi zokuxhaswa kwemali kunye nokuxhamla kweemali kunye kunye nendlela yokuphepha iingozi.
Kuloluhlu lwezinto ezisisiseko zeengxowa-mali, ungafunda onke amaphulo ezemfundo okanye ufumane ezi zifunayo ngoku. Qiniseka ukuba ulandele iinqununu ukuya kwiinkcukacha ezisebenzayo kuwe.
Kukho iintlobo ezininzi zeengxowa-mali kunye kunye nezizathu ezininzi zokuba abatyali-mali bathengi imali. Kodwa ukuba ucinga ukuthenga iimali ezixhasayo, qalisa ngeendlela ezisisiseko kwaye uqonde inkcazo ye-fund. Xa kufikelele ekutyala imali, kudla ngezinye iinkhathi kunzima ukuqonda iingenelo njengoko zisetyenziswa kwiimeko zakho ezithile. Kule nqununu, uya kufumana ezintathu "iingeniso zemali-mali" eziqondakala kalula. Funda malunga nale "nzuzo" kwaye ufunde kabanzi malunga nokutsalwa kweentlobo-mali, iintlobo zeemali kunye neepospotili ezilawulwe ngokufanelekileyo. Njengokuba kukho nayiphi na imveliso yokutshala imali, kukho ukungalungi kweemali zentengiso. Kule nqaku, sichaza iingxowa-mali ezine zobudlelwane abaxhomekeke kuzo zonke izityalo-mali ukuba zenze i-investment. Unokuqaphela ukuba le ngxowa-mali yemali yabelana ngayo kunye neminye imikhiqizo yotyalo-mali. 04 Funda Iingxaki eziNqobo zokuThengwa kweeNgxowa-mali
Yintoni elungileyo ukuba omnye umtyalo-mali angenakulungela omnye. Kukho ingqwalaselo enkulu egxile kwizinto ezibizwa ngokuba yizinto ezingenakucala kwezixhasano. Uninzi lwezentatheli ezifuna ibali kunye nemveliso emininzi yemveliso ekhangele ukuthengisa imveliso yabo. Amaxesha amaninzi oku kuthiwa yizinto ezingonakalisi zisetyenziselwa ukwakha ityala ngokubhekiselele kwimali. Hlalani nijonge ezi zinto ezibizwa ngokuba yizinto ezimbi ezixhaswa ngemali. Ngaphambi kokuba wenze isigqibo sakho sokugqibela sokutshala imali kwiimali ezihlanganyelweyo, funda uluhlu olubanzi, uluhlu olubanzi lwezinto malunga neemali ezihlangeneyo. Uya kufunda malunga noko uhlawula imali ngemali, ukuphanda iimali kunye neenkcukacha malunga nolunye utyalo-mali (oko kukuthi, ii-ETF, iimali ezivaliweyo, iiUIT). Ukuba uthe wagqiba ekubeni ungeze imali ephathekayo kwipotifoliyo yakho, isinyathelo sakho esilandelayo kukuba uhluthe iinqununu ezininzi zokukhetha. Uya kuthengwa phi imali kunye kwaye uya kusebenzisa umcebisi unokuba nemibuzo emibini engqondweni yakho. Kulesi sixhobo, funda ngokumalunga nokufuna iingcebiso, indleko yomcebisi kwaye wenze oko ngokwakho. Ukuba uphando ngeemali ezidibeneyo, kufuneka ufunde kunye / okanye ukuva malunga neengcambu zokutyalomali kwiimali ezihlangeneyo. Kodwa, njengeminye imiba emininzi, kukho amanyathelo onokuyithatha ukuze ugweme le miqobo. Kulesi sixhumo, funda malunga nendlela yokuphepha ezininzi zeengcingo ezigqithiseleyo kwiimidiya kunye nangabantu abathengisayo. Impumelelo malunga nantoni na yonke into ofuna ukuyifeza iqalisa ngokukwazi ukuba yintoni oyenzayo nokwazi ukuba ungenzani. Landela iinqununu zezihloko kule nqaku ukuze uhlolisise amathuba kunye nezithuba ezinokuthi utyalo-mali kwiimali.