Ezinye iingcamango zokukhumbula
Yazi Iinjongo Zakho-kwaye Yazi Injongo yeNgxowa-mali
Okokuqala zibuze wena ukuba ufuna ntoni imali yakho yebhondi. Azikho zonke iimali ezisebenza ngenjongo efanayo. Ngaba ukhangele ukuvelisa imali okanye uzama ukunciphisa iindleko zerhafu?
Mhlawumbi usindisa kwimfundo yekholeji yomntwana wakho. Emva kokuba uqonde iinjongo zakho, unokukhangela ingxowa-mali enomgomo ofanayo, nokuba oko kukukhulu ukubuyela, ukukhusela inqununu, okanye into ephakathi.
Cinga imeko yakho yentela
Iimali zezibophelelo zeemali zentlawulo ahlawulwanga ntlawulo ayinangqiqo kuwo wonke umntu. Ngokuqinisekileyo, kubonakala ngathi ingcamango enkulu-isikhwama apho ungahlawuli irhafu kwinto oyifumanayo. Kodwa ngaphandle kokuba ulunge lokurhafisa olufanelekileyo, ukufumana izibophezelo zikamasipala okanye iimali zezibophezelo zikamasipala kungabakho ukuhamba okubi kakhulu. Kwaye nangona unesibhanki esaneleyo sentela ukulungiselela isigxina sekhonkco se-muni, ukhetho olufanelekileyo luxhomekeka kwiimeko zakho zokuhlala.
I-Liquid kufuneka iFund yakho ibe yintoni?
Uya kufuna nini inqununu yakho? Ungathengisa izabelo zakho zeengxowa-mali ngexesha lakho nawuphi na, ngokungafani nezibophelelo zomntu ngamnye, nangona kungekho siqinisekiso sokuba uza kwenza imali kwi-deal. Kodwa njengolwelo njengemarike yekhredithi yemboleko, qaphela ukuba uzikhiphe ixesha elide kunokuba luyimfuneko.
Ukuba usebenza nexesha elifutshane-mhlawumbi ukhangele ukupaka imali ethile kwiiveki ezimbalwa okanye kwiinyanga ngaphambi kokuba uyisebenzise kwiindleko ezinkulu ezinjengokuthenga i-home-look akukho ngaphezu kwekhredithi yemarike yemali. Kodwa ukuba unayo ixesha elide lokudlala, unokukhetha kwiimali ezahlukileyo ezininzi kunye neehorizons ezininzi ezithatha imali.
Cinga ngeMali
Akukho nto iya kuyidla ngaphandle kweengxowa-mali zakho njengemali. Ungalokothi utyalole kwingxowa-mali uze uqonde ukuba yeyiphi imirhumo yayo kunye nendlela ekuthelekiswa ngayo nemigangatho yemveliso.
Kufanelekile ukukhumbula ukuba kukho amawaka eemali ezingekho mthwalo ezikhoyo. Kwakhona, njengoko ukulindela, ulawulo lwemali-apho umntu ngokwenene ukwenza izigqibo ngawe malunga naziphi izibophelelo zokuthenga nokuthengisa-ixabiso eliphezulu kwiimali ezingaphezulu kweenkcazo zemali eziphinda ziphindwe kwakhona utyalo-mali kwisalathisi.
Qinisekisa Ukuba unomdla kwi-ETFs kunye ne-UIT
Unokufuna ukukhangela iifom ezimbini ezitsha zentengo-mali engenayo xa ucinga ngxowa-mali. Iimali zokuthengisa ezithengiswayo zathengwa kwaye zathengiswa ngokutshintshiselana. Imirhumo yolawulo ye-ETF ayinanto, nangona uya kuhlawula umrhumo werhafu xa uthenge okanye uthengisa.
I-trust-unit-trusts iyakufaneleka ukujonga. I-IT iyakhiwa ngokuqokelela iibhondi, njenge-bond joint fund. Kodwa i-UIT ithatha utyalo-mali kwi-trust kuze kufike ukukhula. Imirhumo iphantsi ukuthelekiswa nemali, kodwa uya kuhlawula umrhumo werhafu ye-3%.