Ukubuyiselwa okuKulungeleyo Ukubuyisela Izinto kunokukunceda ukuba ungabi nengozini enkulu
Imali eyi-R10 000 inotyalwe ngokuphindwe kabini izinga lokubuyiswa, i-20%, ayiyikuphindaphinda kabini isiphumo, ijika ibe yi-$ 828.2 yezigidigidi . Kubonakala ngathi i-counter-intuitive ukuba umehluko phakathi kokubuya kwe-10% kunye nokubuya kwe-20% ngu- 6010x imali eninzi, kodwa luhlobo lokukhula kwejometri.
Yintoni Eyona Nqanaba Elihle Lokubuyela?
Into yokuqala esifanele siyenze ukukhupha umthamo wexabiso . Ukunyaniseka kukuba, abatyali-zimali banomdla wokwandisa amandla abo okuthenga . Okokuthi, abakhathaleli nge "dollar" okanye "yen" ngokwabo, banenkathalo malunga nokuba bangaphi abantu base-cheeseburgers, iimoto, ii-pianos, iikhomputha, okanye iimbini zezihlangu abazithengayo.
Xa senza oko kwaye sijonga ngedatha, sibona izinga lokubuyela lihluka ngohlobo lwee-asethi :
- Igolide: Ngokuqhelekileyo igolide ayinakulinganiswa ngokwenene ngokwexesha elide. Esikhundleni salo, yinto yokugcina ixabiso eligcina amandla ayo okuthenga. Kodwa-ke iminyaka elishumi, igolide ingaba nzima kakhulu, ivela kwiindawo eziphakamileyo eziphezulu ukuxinezeleka kwimiba yeminyaka, eyenza kude kwindawo ephephile ukugcina imali onokuyidinga kwiminyaka embalwa ezayo.
- Iimali: I- Fiat zemali zenzelwe ukunciphisa ixabiso ngelixesha. Enyanisweni, i-$ 100 kwi-1800 ixabisa i-$ 8 kuphela namhlanje, emele ukulahleka kwe-92% yexabiso. Ukuhlawula imali kwiikhofi zekhofi kwididi yakho yinto ephambili yokutyalo-mali. Ukuba iyakwazi ukusukela kwimimandla, iya kuba yinto engenakunikwa inani elaneleyo.
- Izibondlo: Ngokomlando, izibhonkco ezilungileyo, ukugqithiswa kwemfanelo zivame ukubuyisa u-2% ukuya kwi-4% emva kokunyuka kwamaxabiso kwiimeko eziqhelekileyo. I-riskier ikhonkco, ephakamileyo i-investorors ifunayo.
- Ubunikazi Boshishino, Kubandakanywa Amasheya : Ukujonga oko abantu balindele kubunikazi babo bezoshishino, kuyamangalisa indlela umntu onokuziphatha ngayo. Umgangatho ophezulu, okhuselekileyo, okhuseleyo kakhulu olwahlula-ukuhlawula iisitokisi sele ulungele ukubuyisela i-7% kwimbuyekezo yangempela, ukubuyiswa kwexabiso lokunyuka kwamaxabiso kubanikazi ngeenkulungwane. Oku kubonakala ukuba ngumfanekiso owenza abantu bazimisele ukuhlukana nemali yabo nethemba lemali engomso. Ngaloo ndlela, ukuba uhlala kwihlabathi eli-3% lokunyuka kwamaxabiso, ungalindela ukubuyela kwe-10% yokubuyisela (7% ukubuyela kwangempela + u-3% wokunyuka kwamaxabiso = 10% ukubuyisela ukubiza). Umngcipheko wezoshishino, ukuphakanyiswa kokubuyiselwa kuyimfuneko. Oku kuchaza ukuba kutheni umntu angadinga ukudubula kwi-double-or-triple-digit returns on-start-up ngenxa yengozi yokungaphumeleli kunye nokutshitshiswa okupheleleyo kuninzi kakhulu. Ukuze ufunde kabanzi malunga nesi sihloko, funda izithako zeNqanaba elifunekayo lokubuyisela .
- Izakhiwo zangaphandle : Ngaphandle kokusebenzisa nayiphi na ityala, iimfuno zokubuyiswa kwezindlu ezivela kubatyalomali zibukrole ezo zobunikazi bezobhishino kunye namasheya. Ixabiso langempela lokubuyisela elungileyo, izakhiwo ezingenagxininiso sele zi-7% emva kokunyuka kwamaxabiso. Ekubeni siye sadlulela kwiminyaka engama-3% e-inflation, kwiminyaka engama-20 edlulileyo, lo mfanekiso ubonakala uzinzile kwi-10%. Iiprojekthi ezinobungozi zidinga amazinga aphezulu okubuyela. Ngaphezu koko, abatyali-zimali bempahla bayaziwa ngokuba basebenzisa imali yokubanjiswa kwemali, okuyiyo ifom yokubaluleka, ukunyusa ukubuyela kwi-investment yabo. Umgangatho wezinga elincinci lenzalo lenze ukuba kukho ukuphazamiseka okuphawulekayo kwiminyaka yamuva nje, abatyali-mali bamkele ixabiso leenqwelomoya ezincinci ngaphantsi kwezinto ezininzi ezithatha ixesha elide zithatha imali.
Hlalani Nilindelekile Ukuba Nilindele
Kukho izifundo zokuthabatha kule ndawo. Ukuba ungumtyalo-mali omtsha kwaye ulindele ukufumana, yithi, i-15% okanye i-20% ihlanganiswe kwi - investment- stock yakho ye- blue-chip ngaphezu kwemashumi eminyaka, ulahlekile. Akuyi kwenzeka.
Oku kungabonakala kunzima, kodwa kubalulekile ukuba uqonde: Nabani na othembisa ukubuyiswa okunjalo njengokuba usebenzisa inzondo yakho kunye nokungabi namava. Ukusekela isiseko sakho semali kwiingcinga ezingalunganga kuthetha ukuba uya kwenza into engento isisulu ngokugqithisa kwiimpahla ezinobungozi okanye ufike kumhlalaphantsi wakho ngemali engaphantsi kunokuba uyilindele. Kwakungekho nesiphumo esihle, ngoko gcina ukubuyela kwakho okuqinisekileyo kwaye kufuneka ube nolwazi oluninzi lokutyalima.
Yintoni eyenza ukuthetha ngexabiso "elungileyo" lokubuyisela ngakumbi ukudideka kwabathengi abangenamava kukuba le mivuzo yembali yokubuya - leyo, kwakhona, ayiqinisekanga ukuba iphinda iphinde iphindwe!
- awazange ahlaziyeke, aphezulu. Ukuba ungeli-mali-mali-mali ngeli xesha, wahlupheka ngezinye ilahleko zokulahlekelwa yintliziyo ekucatshulweni kweemarike ezicatshulwayo, ezininzi zazo zadlulayo iminyaka . Yimvelo yoshishino olushukumisayo lwentengiso yemali. Kodwa ngaphezu kwexesha elide, le yimivuzo yokubuyiselwa kwabathengi.
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.