Ixabiso lentengiso
Njengoko kwenzeka njalo ngezikhathi, iimarike zamasitokisi ziyaxhamla (Ngokomzekelo, funda ngoMsombuluko omnyama ). Abatyalomali abanomdla bangalindela ukuba iimarike ziphakame ngonaphakade, kodwa oko akunjalo. Ngenxa yokuphila kwakho kwezemali, kunyanzelekile ukuba wena kunye nabo bonke abathengisi kunye nabatyalomali, bayazi ukuba basebenze njani xa i-market market inengqondo yayo.
Umgaqo wokuqala kufuneka ulungiselelwe. Oku kufezwa ngokuba nesicwangciso sotyalo-mali esibhaliweyo esichaza 'umfanekiso omkhulu.' Izicwangciso ezintathu ezidumile zi:
- Thenga kwaye ubambe . Hlala u-100% utyalomali ngexesha lonke. Xa kuba yithuba lokungena imali kwipotfoliyo yakho (u-nyangazonke, ngekota, okanye ngonyaka) yenza oko nakanjani.
- Ukwabiwa kweempahla kwizinto ezingaphezu kweyodwa kotyalo-mali. Imakethe yokunyuka kwamasheya iza kubangela ukuba ube nenxalenye enkulu yempahla yakho kwisitokisini. Lelo lixesha elifanelekileyo lokuthengisa amasheya kunye nokuhlawulela kwakhona iphothifoliyo yakho ngokutshala imali kwimali yezolimo. (Kwabaninzi abantu, oko kuthetha ukuba izibophelelo, kodwa ezinye iinqunto zifumanekayo kumtyalo-mali osisigxina. Isexwayiso: Musa ukudibanisa kwiiklasi ze-asethi ongaziqondiyo.) QAPHELA: Yilapho abatyala-mali abanomdla belibala ukuba ukwabiwa kwe-asethi igama umdlalo kwaye unqabe ukuthengisa izitokisi emva kokuphakama okukhulu.
Ukunciphisa iimarike kuthetha ukuba izitokhwe zimelela inxalenye encinci yempahla yakho yonke kwaye lixesha lokuba abatyali-mali bathengise ezinye ii-asethi kwaye babelane ngemali kwisitokethi. QAPHELA: Yilapho abatyalomali abanesabisayo belibala ukuba ukwabiwa kwempahla yigama lomdlalo kwaye banqwenela ukuthenga amasheya emva kokuhla kwehla.
Ubukrakra noloyiko lunokubulala iphothifoliyo yokutshala imali. Gwema ezi zigqibo zengqondo ngokulandela isicwangciso-mali sokunikezelwa kwempahla.
- Ixesha lokuthengisa . Thenga i-stock ngaphezulu xa ukholelwa ukuba imarike ihamba phezulu. Thengisa isitokhi xa ukholelwa ukuba imarike iya ngaphantsi. Nangona ubuninzi bobubungqina bokuba ininzi yabatyalomali ngabanye abakwazi ukugqithisa imali, kubangele ixesha kunye nemali yokuchitha inzame yokwenza njalo.
Ulwabiwo lwe-asethi luyinkqantosi kunazo zonke kwezi zicwangciso, kwaye luye lwaboniswa ukuba lube luncedo ngaphezu kwexesha elide.
Nangona kunjalo, esi sicwangciso asikho wonke umntu. Ukuba awuqondi ezinye iindidi, oko akusiyo ingcamango efanelekileyo yokutshala imali yakho kwinto engaphandle kwakho.
Ukufumana imali eyongezelelweyo ngokufumana ixesha kwimarike kunzima kakhulu. Enye ingxaki enkulu ngeendlela zokuthengisa ixesha-mali kukuba kukuba kusekelwe kwimvakalelo, kunengqiqo, izigqibo. Iintsuku ezimbalwa zexabiso lentengo elisezantsi likholisa abantu abaninzi ukuba balahle amasheya abo. Ngokufanayo, iintsuku ezimbalwa zamanani aphakamileyo ziyabaqinisekisa ukuba abantu abafanayo baxhamle kwimarike.
Abathengi banomthandi wokuziphatha okwenziwa ngumkhomishina, kodwa isiphakamiso sokulahlekelwa kwemali kubatyalomali.
Andiyena umtsalane wezinto zokuthenga kunye neendlela zokubamba, kodwa sele esebenze kakuhle iminyaka emininzi. Xa kuthengwa kunye nokubamba kudibene kunye nokuhlalutya kweepoteliyo rhoqo (ngaba ufuna ngokwenene ukuqhubeka nokuzifumana ezi zifuyo namhlanje), kusebenza kakhulu.
Izinketho zingasetyenziselwa ukunciphisa umngcipheko. Umzekelo:
IINKCUKACHA ZENKQUBO
- Shintsha isikhundla sezinto ezininzi kwi-call-money, ngaloo ndlela unciphise ilahleko kwiindleko zee-call-ngelixa ufumana inzuzo enkulu xa iimarike ziqhubeka.
- Ukubhala kubhala iifowuni zokuvelisa ingeniso kwiimarike ezintle. Esi sicwangciso sivelisa amanqaku amaninzi ngokuphindaphindiweyo kunecebo lokuthenga nokubamba, kodwa luthintela inzuzo - kwaye yinto embi kwabanye abatyalo-mali.
- Bhala i- cash-secured placements njengendlela yokuqokelela isitokhwe ekunciphiseni iimarike.
Naluphi ukhetho lwakho lotyalo-mali, umtyalo-mali oqiqayo unesicwangciso sangexesha elide kwaye akayikwesaba xa i-marhwebo isebenza ngokungalindelekanga.