Ngaba Ufanele Uyeke Ngethuba Ngaphambili?
Abathengi bamashishini beStock Market
Izigidi zabantu batyala imali kwimarike yemasheya - kunye nesizathu esihle. Ngokomlando, ezo zityalo-mali zenze ukuba abantu bakwazi ukufikelela kwimilinganiselo ephezulu yokuphila kunye nokufumana ukhuseleko lwezezimali: umhlala-phantsi okhululekile, ukukwazi ukuhlawula abantwana ukuba baye ekholeji, ukuthenga ikhaya, njl.
Aba batyala-mali bexesha elide baye bahlangabezana namaxesha amahle kunye namaxesha amabi. Uphononongo lubonisa ukuba abathengisi abakhutheleyo baphumelele kakhulu kunabo bahlala betyalomali kwixesha elide.
Ukongeza, abo bazama ukuchitha ixesha kwiimarike ezingaphantsi kwithengi kwaye bathathe abatyali-mali. Ngokuqinisekileyo ufuna ukulungiswa kwipotfoliyo yakho njengoko kuyimfuneko, kodwa ukuzama ukuhamba ngexesha lemarike kuboniswe ukuba isisombululo esilahlekileyo sabantu abaninzi.
Abatyalomali bexesha elide kufuneka babe neengxaki zokulawula umngcipheko , kodwa bambalwa abakuqonda indlela yokwenza oko kwaye banentlonelo yokulawulwa kwengozi. (Abafundi beli kholam bavele bazi indlela iindlela ezisetyenziswa ngayo ukunciphisa umngcipheko . )
Abathengisi
Inani elincinci labantu lixesha elizeleyo okanye abathengisi abasebenzayo. Baqonda ukuba ishishini lishishini kwaye kufuneka livelise inzuzo eqhubekayo ukuze zigcine ngokwabo kunye neentsapho zabo. Kuba ba bathengisi, injongo icacile: Qiniseka ukuba amathuba okuba ilahleko enkulu ifikelele ekutheni ilahleko enkulu inokuthi ichithe i-akhawunti yabo yokurhweba.
Umhwebi / umTyalo-mali
Abanye abatyali-mali bexesha elide banokugcina i-akhawunti encinci apho bachishisayo abahwebi. Esi si cwangciso esilungileyo, ngokungakhathaliseki ukuba baqaphele ukuba bangathathi umngcipheko omkhulu kwiakhawunti yokurhweba.
Injongo Yakho
Oku kungabonakala kuyinto encinci (kodwa ayikho): Kubalulekile ukuba nenjongo xa utyalo-mali kwimarike . Kungcono ukuhlaziya loo njongo yonke iminyaka embalwa. Ukuba ulahlekelwa yimpembelelo yakho, kunokwenzeka ukuba uphumelele ukuphumelela. Ngoba? AmaMakethi ahlale ephakama.
Iminyaka yemarike yenkomo inokulandelwa yimakethe yeebhere ehlawula ixabiso leakhawunti yakho. Ngokuqinisekileyo, ukuhamba kwexesha elide kuye kwahlala kuphakamileyo - kodwa ukuba ufuna imali yakho - inzuzo owayifumana kwiminyaka emininzi - ingenakufumaneka ngexesha lokulungiswa kweemarike. Ngoko ke:
Xa ufezekisa injongo yezemali - mhlawumbi imali eyaneleyo yokuthumela abantwana bakho ekolishi - khusela loo mali. Yisuse etafileni.
Ingcinga efanelekileyo yokuqhubeka utyalo-mali kwezinye iinjongo, kodwa ungaphepheli umngcipheko wokulahlekelwa yingxenye ebalulekileyo yokonga kwakho. Ngamanye amazwi, kukuhle ukuthatha inqanaba elimkelekileyo lomngcipheko xa imali yakho ikhula - kodwa xa unayo imali eyaneleyo ukuhlangabezana neemfuno zakho ezithile, ukunciphisa umngcipheko kwaye ukhusele ezo zinto.
Kukho enye incomo enginayo kubatyalomali. Akuyiyo inkqubo evamkelekileyo, kodwa yenza ingqiqo xa ucinga ngako:
Xa ufikelela kwinqanaba lokukhuseleko lwezezimali okholelwa ukuba liyakwanela ixesha lakho lobomi bonke; xa utyalo-mali (kunye nokuthengiswa kwexesha elifutshane) uye waphumelela kangangokuba unayo imali eyaneleyo (kunye ne-inshurensi yezempilo) ukubonelela ngekamva, ngoko uphumelele umdlalo wokutyalo-mali. Ndiyakuvuyela.
Njengomqoqo, yeka ukudlala umdlalo ngokukhawuleza. Khusela ifa lakho. Ngokuqinisekileyo, ufuna ukufumana imali eninzi, kodwa iidola zexesha elizayo ziza kubaluleka kunokuba iidola ezikhoyo kuba injongo yokuqala kukuhlangabezana neemfuno zakho. Xa oko kufezekiswe, umngcipheko wokunciphisa ngokusebenzisa iindlela ezininzi zokuzikhethela. Ukwahlula i-asethi yakho , ungabi namasheya ahlukileyo; kuthatha ininzi yakho imali kwitafile. Kule ngxaki kubomi bakho bezezimali, ukukhusela i-asethi yakho kuqala.
Le ngcebiso kunzima ukuyilandela kuba sonke sifuna ukufumana imali eninzi ngangokunokwenzeka. Ukongezelela, xa sikwazi ukufezekisa ukhuseleko lwezezimali, kulula ukukholelwa ukuba sinjalo, kwaye siphumelele, siphumelele ngenxa yeetalente zethu. Ngokusoloko sihluleka ukunika ikhredithi ngokwaneleyo kumcebisi wezezimali osikhokelo lwakhe lusisetyenziselwe indlela yokutshala imali ehambelana neemfuno zethu. Kubalulekile ukuba ungavumeli u-ego wakho ukuba angene endleleni yokwenza izigqibo zezimali ezifanelekileyo. Ukuba uhlakaniphile ngokwaneleyo ukuze ufumane ukuzimela ngokwezimali, ngoko kufuneka ube nokukwazi ukuqonda ububudenge bokubeka loo nto yokuzimela.