Misela izinto ezilindelekileyo malunga neziphumo zeMarike yeNtengiso
Nangona kuphazamiseka kwiimarike zotyalo-mali, abo bethu baqonda ukuba umsebenzi otyalo-mali uza kukuxelela ukuba xa kuziwa imali yakho yomhlala-phantsi akukho nto ibetha iipotifoliyo ezahlukahlukeneyo.
Kodwa oko kuthetha ukuthini? Kuthetha ukuba uhlakulele into ebizwa ngokuba ngumlinganiselo wesabelo se- asethi ekuxelela ukuba uninzi lwemali yakho yomhlala-phantsi kufuneka ibe kwiimpahla ezinxulumene nezibophelelo.
Ujonge iindleko zembali kunye nomngcipheko ohambelana nomlinganiselo wesabelo sakho, kunye nemali oyifunayo ukuyihoxisa unyaka ngamnye. Uya kuthi ulandele iakhawunti yakho rhoqo kwaye unamathele kwisicwangciso sakho sokutsalwa kwexesha elide. Kumelwe uhlakulele ukuba ulindele ukuba iminyaka ethile uza kubuyisa ngcono ngaphezu kweminye iminyaka, kwaye ujonge ukutshala imali yakho yomhlalaphantsi kwixesha lobomi bakho, kungekhona kwiinyanga ezintathu ezizayo okanye omnye unyaka.
Yamkela i-Trade-offs
Wonke umntu ufuna utyalo-mali olugqibeleleyo; into ekhuselekile, evelisa imali engenayo kwaye iya kukhula ngokuxabisa ngokuhamba kwesikhathi. Utyalo-mali olunjalo alukho. Zifundise kwizinto ezisisiseko zokutyalomali ukuqonda i-trade-offs kufuneka uyamkele xa utyalomali.
Akukho nto yokutya yasemini .
Unokubeka imali yakho yomhlala-phantsi kwi- investments ekhuselekileyo kwaye wamkele ixabiso eliqinisekileyo kodwa elingaphantsi lokubuyisela. Okanye unako ukhetha ukuthatha inqanaba elichanekileyo lokutshatyalaliswa kwengozi kunye nokwakha iphothifoliyo enika ithuba lokunikezela ngenzuzo ephezulu kunokuba utyalo-mali olukhuselekileyo lunokuhambisa.
Iipotifoliyo ezahlukahlukeneyo zinezinye iimali-mali ezikhuselekileyo, ezinye ezenzelwe ukuvelisa ingeniso, kunye nezinye eziza kukhula ukubonelela ngengeniso yeshumi ukuya kweyishumi elinesihlanu phantsi kweendlela.
Funda kwaye Fumana amacebiso
Into engcono kakhulu ongayenza ngaphambi kokuba unqume ukuba ungayifaka njani imali yakho yomhlalaphantsi ifundiswe kwaye ifune iingcebiso zobuchwepheshe. Unokwenza oku ngokufunda iincwadi malunga nokutyalomali ukuze uqonde iingcamango zentengiso-siseko, okanye ubhalisele kumagazini ohloniphekileyo wezezimali nokufunda onke amanqaku ngomnyaka owodwa.
Ungakwazi kwakhona ukujonga iikholeji zokutsalwa kwe-intanethi kwi-YouTube, okanye ujonge ukubona ukuba yeyiphi iiklasi zentlalo enokuthi zinikwe kufuphi nawe kwikholeji okanye kwindawo yoluntu. Ukuba ukhetha ukunikezela, thungathelanisa abacebisi ngezezimali kwaye ujonge umntu ozimisele ukukufundisa ngenkxaso kunye nokubonelela ngeenkonzo zokucwangcisa nokutyalomali.
Gwema iiphene ezinkulu
Abantu benza iimpazamo ngemali yabo yomhlala-phantsi ngenxa yokuhaha okanye ukungazi. Ubukrakra bukhawuleza xa ubona utyalo-mali ocinga ukuba uya kusibuyisela ngaphezu kwe-average returns. Ukungazi kakuhle kuyinto xa ungayazi into kwaye akunakwenzeka. Oku kwenza kube lula ukuba umntu akhulume kwizinto ezingenakuzikhethela.
Xa uqonda indlela utyalo-mali osebenza ngayo, uyazi ukuba ngaphezu kweerhafu zokubuyisela akunakwenzeka kwixesha elide.
Izwi elithi "ihagu ziyancipha, iifolo zixhelwa" zithatha lo mkhuba wokungena enkingeni ukuba unomdla. Utyalo-mali oluninzi olwenzela ukunyamekela kwakho luba buqhetseba okanye iiponzi zePonzi. Ukuba kuzwakale kunene ukuba kulungile, hlala kude. Njengoko usondela kukuthatha umhlalaphantsi ukuphepha iimpazamo ezinkulu kubaluleke ngaphezu kokufumana iindleko ezinkulu zokutshala imali.
Yenza Isicwangciso Sesikhathi Eside, kwaye Yilandele
Ukwenza isicwangciso kukunceda wenze izigqibo ezifanelekileyo malunga nendlela yokutshala. Imali yakho inomsebenzi wokwenza. Akusekho malunga nokuba ungayifumana kangakanani; Kunoko, ngokuphathelele ukuhlawula umvuzo wokuhlawula umhlala-phantsi. Ukutshala imali ngenzuzo kuyahluka, kwaye indlela yakho kufuneka iguqulwe.
Isigqibo somhlala-phantsi sisona sigqibo esona sikhulu sezemali ebomini bakho-sikhulu kunokuba uthenge indlu kwaye sikhulu kakhulu kunokuthenga imoto.
Ukuba izinto eziphathekayo zezimali azilula, cinga ukuqesha umcwangcisi womhlalaphantsi . Ukuba uthanda izibalo kunye namanani udlala nabathengi bomhlalaphansi kwi-intanethi okanye wenze isicwangciso sakho sokufumana umhlalaphantsi kwisakhiwo sepredishithi.