Ukuchithwa kwezinto kudla ngokubalulekileyo kwimpumelelo yemali
Abantu abaninzi benza into efanayo kwaye bazityebi kakhulu kwiphepha.
Kodwa i-gong yahamba kwindawo ethile ekupheleni kuka-2000 ibonakalisa intlanzi ye-market market, eyaziwa ngokuba yi-dot.com okanye i-tech bubble emva koko. Ixabiso lazo zihlwele zawa ngokukhawuleza abantu abaninzi babengakholelwa ukuba kwenzeke. Ngoko bawubukela kwaye bebukele ukugcinwa kwabo.
Kukho iibhubhu ezicacileyo kwihlabathi lotyalo-mali ukususela ekubeni amaDutch aqala ukuthengisa ii-tulips. Kodwa xa ezo ziqhumbu ziqhutywe zaba ngabatyalomali ababenayo yonke imali yabo kwii-asethi abahlupheke kakhulu. Abantu abasebenzisa into ebizwa ngokuba yi-aseset eyabelwe kwiiphothifoliyo zabo bahlala bebhetele ngakumbi.
Ukusasaza iLizwe
Ulwabiwo lwee-asethi malunga nokusasaza iphothifoliyo yokutshala imali phakathi kweentlobo ezahlukeneyo zee-asethi, ezifana nezitokisi, iibhondi kunye nemali. Yindlela eyintloko yokulondoloza ingozi yokulahlekelwa yimali yakho, ebonakalayo ekutyala imali. Kubatyala-mali abanoluntu, umntu unokuqwalasela ukuhanjiswa kweempahla phakathi kwamasheya kunye notyalo-mali lwentlalo njengendlela yokwabiwa kwempahla.
Indlela okwaba ngayo iafa zakho phakathi kweentlobo kuxhomekeke apho uhlala khona ebomini bakho. Kufuneka ucele imibuzo emibini: yintoni ixesha lam elingaphambili lokutyalomali kwam kwaye unobungozi obungakanani endikunyamezelayo.
Ixesha lokuLinda
Ngaba kukho injongo ethile yemali oya kulondoloza kuyo? Umhlalaphantsi ? Isifundo seKholeji ? Ukuthenga ikhaya ?
Emva koko inani leenyanga okanye iminyaka ongekho kuloo mali lixesha lakho lokutyalomali. Ukuba sele unayo ngaphambi kokuba ufikelele kwinqanaba, unako ukukwazi ukufumana ingozi enkulu kwaye umkhulu wakho umvuzo. Ixesha elide elide livumela umnini-zimali ukuba athatyathe iimeko eziphezulu kunye nokuhla kwelo shishino kunye neemarike. Umntu oneminyaka eyi-20 yokugcina umhlalaphantsi uneminyaka engama-40 ukwakha iqanda leendleke. Umzali oqala kwikholeji yekholeji yomntwana oneminyaka eli-10 ubudala uneminyaka engama-8 okanye yesithoba kuphela.
Ukunyamezela
Abatyalomali abanomdla ngabantu abangaphila ngokukhululeka kokulahlekelwa yimali ngokutshintshisa ubuchule bemiphumo ephezulu. Loo mntu uza kufaka imali emininzi kwimigangatho yokukhula, umzekelo, kunokuba ityala eliphantsi lokuhlawula imali. Umtyalo-mali onokuzimeleyo ngumntu onoxinzelelo oluphantsi komngcipheko othanda utyalo-mali olunikezela ngeniso eqinisekisiwe, njengesibophelelo phezu kwexabiso lokuxabisa. Abathathe umhlala-phantsi, abangekho emsebenzini kwaye bathembele ekutyalomali kwabo kwimali engenayo, banakho ipesenti enkulu yeebhanki okanye ezinye iimali-mali ezivelisa inzuzo kwiiphothifoliyo zabo.
Ngokomlando ezi zigaba ezintathu ezinkulu zeempahla - iimpahla, izibhonkco kunye nemali-ayihambelanga kunye ngexesha lokuthengisa imarike.
Nantoni na eyenzekayo kwezoqoqosho eyenza ukuba umntu enze kakuhle ngokuqhelekileyo unempembelelo embi kwenye. Ngokubandakanya bonke abathathu kwipotfoliyo, unokunciphisa naluphi na ukuhla kwezinto ezinokuthi zenzeke eklasini. Indlela yokwenza imali ngokusebenzisa ulwabiwo lwee-asethi kukuqinisekisa ixesha lakho, uqonde ukunyamezela kwakho engozini kwaye usasaze imali yakho kwimpahla enobudlova okanye ekhuselekileyo. Xa ixesha elide lide lide, iphothifoliyo kufuneka ibe.