Ukugcina imali yingxenye ebalulekileyo yokuphumelela ngemali.
Yintoni Utyalo-mali?
Ukutshala imali kuthatha eli nyathelo. Emva kokuba unelungelo elilondoloziweyo, ungaqalisa ukutshala imali . Ukutshala imali yindlela oya kuqala ngayo ukukhulisa imali yakho kwaye uqale ukwakha ubutyebi . Ukuba ugcina imali yakho kwi-akhawunti yokulondoloza , isixa somdla oya kuzuza siya kuba semncinci. Nangona kunjalo, ukuba utyalo- mali kwiimali zentengiso okanye iifowuni, inzala yakho yenzalo iya kuba phezulu. Ekugqibeleni uza kufika kwindawo apho utyalo-mali lwakho lwenza ngaphezu kokuba uncedisa inyanga nganye. Ubutyebi bakho buqala ukukhula ngexesha elo. Ukutshala imali kuyingozi kakhulu kuba imali oyifakile kwimarike yemasheya ayikuqinisekisi ukuba uyabuya kwaye inokuchaphazela
Yintoni endifanele ndiyibeke yona?
Xa uqala ukwakha ubutyebi, kubalulekile ukusasaza ingozi yakho. Iimali zentengiso yindlela elula yokusasaza i-ris yakho, k.
Ezi mali zi sasazwa kwii- stocks ezahlukeneyo , ukwenzela ukuba xa inkampani enye ihluleka, awulahlekelwa yinto yonke. Kufuneka ube nemali yakho kwimali engaphezulu kweyodwa. Akudingeki ukuba ube neengxowa-mali ezingamashumi amabini, kodwa ezintathu okanye ezine ziqala ukuqala. Ukuba unesiqinisekiso sokutshala imali kwisitokethi ngasinye, qiniseka ukuba usasaza lwakho utyalo-mali kwiinkampani ezahlukeneyo kunye neentlobo zezoshishino.
Akwanele ukutshala imali kwiinkampani ezahlukeneyo ukuba bonke bakhonkco elinye.
Unokuqwalasela ukutshala imali kwezinye izinto. Omnye umzekelo yi- estate estate . Oku kungakuzisa umthombo ongeyena wokufumana imali. Ixabiso lempahla libuye linyuka lixabiso ngelixesha. Nangona kunjalo, ungenzi oku uze ulungele ukuthenga ngekheshi, kwaye unako ukukhawuleza ukulungiswa kwemali okanye ezinye iindleko ezibandakanyekayo kwi-propati. Ixabiso langaphandle lingaba li-investment well-stable, kodwa linomngcipheko, kuba ixabiso lepropati liyakwazi ukunyuka nokuhla. Kwakhona kungadinga umsebenzi ongakumbi kwinxalenye yakho kuxhomekeke kwindlela okhetha ngayo ukuyiqashisa ngaphandle nokuba ungayisebenzisi inkampani yolawulo lwepropati engayinqumla kwinzuzo yakho.
Ngifanele Ndiqalise Ukutyala?
Abacebisi abaninzi bezezimali bacebisa ukuba ulinde ukuqala utyalo-mali uze uhlawule uninzi lwetyala lakho. Utyalo-mali aluyi kuqala ukukunceda ukwakha ubutyebi de uze uchithe ngaphantsi kokufumana kwaye ugxininise ekuphumeni kwetyala. Umthamo wakho uzimisele ngokukhupha ityala lakho kwiimpahla zakho, ukuba uqokelela ityala ngokukhawuleza njengoko usindisa kwaye utyalomali, ngoko awuyi kuphuma. Qalisa uhlahlo lwabiwo-mali, kwaye ke ungaqala ukugcina nokutshala imali ngokufanelekileyo.
Inzala enomvuzo ohlawula ngayo kwiimali zakho zihlala ziphakamileyo kunokuba uza kwenza malunga nokubuyisa imali eninzi. Kufuneka ube nemali kwingxowa-mali yakho engxamisekileyo , engenayo imali. Ifuna ukufumaneka lula ngaphandle kokuthatha isohlwayo esikhulu sokufikelela kuyo. I- akhawunti yemarike yemali ebhankini yakho yindawo ephephile yokubeka oku.
Ngubani Ongandinceda Ndiqalise Ukutshala imali?
Ukuba ulungele ukutshala imali, unokuzibuza ukuba ungaqala njani. Umcebisi wezemali unokuchazela iintlobo ezahlukeneyo zotyalo-mali ezikhoyo kuwe. Unako ukuchaza ingozi kunye nokuzuza okungenako ukukunceda ufumane utyalo-mali okhululekile. Enye inketho kukuba ukhethe indawo ye-brokerage ye-intanethi. Imirhumo isezantsi kwaye ukuba uyazi iintlobo zemali-mali ofuna ukuyenza, ungagcina imali. Kubalulekile ukukhumbula ukuba utyalo-mali lithuba elide kwaye kufuneka ulungele ukukhwela amaxesha apho i-marhwebo ayenzi.