Ingozi kunye noMvuzo yiNxalenye yoTyalo-mali
Kufuneka uqikelele umvuzo ongenako ukubeka umngcipheko wokutyalo-mali ukuba uthathe isigqibo sokuba ngaba "iintlungu zifanelekile ukufumana inzuzo." Ukuqonda ubudlelwane phakathi komngcipheko kunye nomvuzo kuyona nto ephambili ekwakheni ifilosofi yakho yokutshala imali.
Yingozi
Zonke iimali zithatha inqanaba elithile lomngcipheko. Ulawulo lwesithupha "luphakamileyo engozini, ukuphakama okungenako ukubuyela," kodwa kufuneka uqwalasele ukongezwa kumgaqo-nkqubo ukuze uthi ulwalamano lucacile ngokucacileyo: "ukuphakamisa umngcipheko, ukuphakanyiswa okuphezulu, kwaye ngokungenakwenzeka kuya kufezekisa ukubuyela okuphezulu. "
Ukuze uqonde olu lwalamano ngokupheleleyo, kufuneka wazi apho uphuhliso lwakho lusezantsi kwaye uyakwazi ukulinganisa ngokuthe ngqo umngcipheko onobungozi besitokethi esithile okanye omnye utyalo-mali.
Ngaba Ndiya Kulahleka Imali?
Uninzi lwabantu lucinga ngengozi yotyalo-mali ngenye indlela: "Ndingaba njani ndilahlekelwa yimali?" Le nkcazo ichaza kuphela inxalenye yomfanekiso, nangona kunjalo. Kufuneka ujonge loo mngcipheko nabanye xa uhlola utyalo-mali:
- Ngaba utyalo-mali lwam luya kulahla imali? (Ngaba ukhuseleko lwenqununu lubaluleke ngaphezu kokukhula?)
- Ngaba ndiya kufeza injongo yam yotyalo? (Ngaphantsi kwemali-mali yomhlalaphantsi, umzekelo.)
- Ngaba ndiza kwamkela umngcipheko ophezulu ukufikelela kwimbuyekezo ephezulu ? (Ngaba utyalo-mali lwam luya kundigcina ndivuke ebusuku?
Makhe sijonge ezi nkxalabo malunga nomngcipheko.
Ngaba Ndiya Kulahlekelwa Imali?
Uhlobo oluqhelekileyo lomngcipheko ngumngcipheko otyalo-mali uza kulahlekelwa yimali. Unako ukwenza utyalo-mali oluqinisekisa ukuba awuyi kulahlekelwa yimali, kodwa uya kunika ithuba elininzi lokufumana inzuzo ngokutshintshiselana.
Ngokomzekelo, izibophelelo ze-US Treasury kunye neebill ziphethe ukholo olupheleleyo kunye netyala le-United States emva kwabo, okwenza le micimbi ikhuseleke kwihlabathi. Izatifikethi zeBhanki ze-deposit (iiCD) kunye nebhanki eqinisekisiwe ngamazwe nazo zikhuselekile kakhulu.
Nangona kunjalo, intengo yolu khuseleko yinto ephantsi kakhulu yokubuyisela imali. Xa ubala imiphumo yokunyuka kwamaxabiso kwintalo-mali yakho kunye neerhafu ozihlawulayo kwimvuzo, utyalo-mali lwakho luya kubuya lukhulu kakhulu ekukhuleni kwangempela.
Ngaba Ndiza Kufeza Iinjongo Zimali?
Iimpawu ezinquma ukuba ufezekisa iinjongo zakho zotyalo-mali zi:
- Imali etyalomali
- Ubude bexesha lityalomali
- Inani lokubuyela okanye ukukhula
- Imali encinane, irhafu, ukunyuka kwamaxabiso, njl.
Ukuba awukwazi ukufumana umngcipheko omkhulu kutyalo-mali lwakho, ke uya kufumana ukubuyela okuphantsi njengoko kuphawuliwe kwicandelo langaphambili. Ukuhlawulela ukubuya okulindelekileyo, kufuneka ukwandise inani elityalomali kunye nobude bexesha elityalomali.
Abanini-mali abaninzi bafumanisa ukuba umngcipheko othobekileyo kwi-potifoliyo yindlela eyamkelekileyo yokwandisa amathuba okufikelela kwiinjongo zabo zemali. Ngokunciphisa iiphothifoliyo zabo kunye notyalo-mali ngamacandelo amaninzi omngcipheko, banethemba lokusebenzisa amathuba okunyuka kweemarike kwaye bazikhusele ekulahlekeni okukhulu kwiimarike.
Ngaba Ndikulungele Ukwamkela Ingozi Ephakamileyo?
Wonke umtyalo-mali ufuna ukufumana inqanaba lakhe lokuthuthuzela ngengozi kwaye akhe isicwangciso sotyalo-mali malunga naloo nqanaba. Iphothifoliyo enomlinganiselo omkhulu wobungozi inokuthi ikwazi ukubuyisela imali, kodwa nayo ingaphumeleka ngokuphawulekayo.
Inqanaba lakho lokuthuthuzela nomngcipheko kufuneka lidlule "uvavanyo oluhle lokulala ebusuku," oku kuthetha ukuba akufanele ukhathazeke malunga nomngcipheko kwipotifoliyo yakho ukwenzela ukuba ungalali.
Akukho nto "engalunganga okanye engalunganga" yengozi - sisigqibo somntu ngamnye kumtyalomali. Nangona kunjalo, abatyala-mali abatsha banako ukufumana umngcipheko ophezulu kunokuba abatyalomali abasakhulayo banako ukuba abatshali-mali abatsha banokufumana ixesha lokuba bafumane kwakhona xa inhlekelele ibetha. Ukuba uneminyaka emihlanu kude nomhlalaphantsi, mhlawumbi awufuni ukuthatha ingozi engavamile kwiqanda lakho leenyama, kuba uya kuba nexesha elincinane lokushiya ekulahlekeni okukhulu.
Enyanisweni, indlela enokuzithemba ingathetha ukuba awufezekisi iinjongo zakho zemali.
Isiphelo
Abatyalomali banokulawula ezinye zeengozi kwiipotifoliyo zabo ngokuxuba okufanelekileyo kwezi-stocks kunye nezibophelelo. Uninzi lweengcali ziqwalasela iphothifoliyo enzima kakhulu kwiimpahla ezinobungozi ngaphezu kwephothifoliyo ehambelana nezibophelelo.
Ingozi yinxalenye yendalo yokutyalomali. Abatyalomali kufuneka bafumane induduzo yabo kunye nokwakha iiphothifoliyo zabo kunye nokulindela ngokufanelekileyo.