Utyalo-mali olungileyo ubeka ingcinga.
Utyalo-mali olulungileyo lufana neenjongo kunye neenjongo zakho. Ngaphambi kokwenza nayiphi na imali-mali oyifanele uhambe ngayo ngemibandela ekwenzeni iSicwangciso soTyalo-mali ukucacisa ukuba yiyiphi into ofuna ukuyifeza ngokutyalomali lwakho. Emva koko unokuqala ukulungelelanisa iinjongo zakho kunye nezigqibo ezingezantsi ukukhetha ukuba zeziphi ezi zilandelayo zingabakho utyalo-mali olungileyo kuwe kunye nesicwangciso sakho somhlalaphantsi.
01 Ngaba ii-CD zifumana utyalo-mali olulungileyo kwimali engenayo yomhlalaphantsi?
Ukuba injongo yakho ephambili kukulondolozwa kwenkunzi, oku kuthetha ukukhusela ukugcinwa kwakho, kwaye usekhokhini lentela ephantsi, ngoko iiCD (iZatifikethi zeDistim) zingabakho utyalo-mali oluhle kuwe. Unokwamkela ukubuyiswa okuphantsi njenge-trade-off ekukhuseleni inqununu yakho. Musa ukulibala, ungalahlekelwa yimali kumaCD ngeendlela ezihamba ngokukhawuleza, ezizinzileyo ngokulahlekelwa amandla okuthenga ngenxa yokunyuka kwamaxabiso. 02 Ngaba i-real estate iyityala elifanelekileyo lomhlala-phantsi
Musa ukwenza iphutha: ukutyalomali kwi-real estate kuthatha umsebenzi. Ukuba wenza okulungileyo, unokuhlawula. Musa nje ukuwa kwiingqungquthela ezikuxelela ukuba kulula kangakanani. Ayiyo. Ukutsalwa kwezindlu eziqashisayo kungabakho utyalo-mali olulungileyo ovelisa imali engenayo kwimali yomhlalaphantsi, kodwa kufuneka wenze umsebenzi wesikolo ngaphambi kokuba uthathe lolu hlobo lokutyalomali. Funda ngakumbi ukufunda nge-real estate njengotyalo-mali. 03 Ngaba i-annuity investment good?
Iimali ezihlawulelwayo zingabakho utyalo-mali olufanelekileyo, okanye nokuba yinto engelona nto ungayifaka imali yakho. Konke kuxhomekeke kwiinjongo zakho kunye nohlobo lwenyanga. Eli nqaku linika umxholo wenkcazo xa i-annuity isingeniso-mali kwaye xa kungenjalo. 04 Ngaba igolide ityala lokutshala imali?
Ngaba uya kwiVasgas kunye nokubheja ebomvu utyalo-mali oluhle? Ndicinga ukuba uninzi lwenu unokuthi cha. Ukubetha kwixabiso legolide akufani nokuya eVasgas, kodwa kunento efanayo. Emva kokuba uqonde ixabiso lembali zegolide ungazigqiba isigqibo sokuba igolide inendawo kwisicwangciso sakho sokutyalomali. 05 Ngaba iimali eziphathekayo zizaliswa kakuhle?
Kuba abantu abaninzi uhlobo olulungileyo lwe- fund efanayo olusetyenziswa ngokufanelekileyo lwenza utyalo-mali olulungileyo. Ukufumana uhlobo olufanelekileyo lweengxowa-mali kufuneka ukwazi ukuba yeyiphi imali efunekayo yokubheka, indlela yokuhlukanisa phakathi kweemali ezilawulwa ngokusebenzayo kunye neenkcukacha zenkxaso-mali, nendlela yokuxelela ukuba yeyiphi iklasi ye-asethi i-fund efanayo. Ukuba ufumana isibambiso kulezo ziseko, uya kukwazi ukuqala ukukhetha iimali ezihambelana neenjongo zakho. 06 Ngaba uthenga i-condo utyalo-mali olungileyo?
Kukhona imibuzo ecacileyo onokuyibuza, kunye namanani athile onokujonga kuwo, ukuqikelela ukubuyisela okusemandleni kwi-investment condo. Iingqununu zingabakho utyalo-mali olungileyo , kodwa amanani kufuneka asebenze. Eli nqaku lihamba ngomzekelo wendlela yokulinganisela isivuno kwi-investment condo. 07 Utsalo olungcono olukhuselekileyo onokuyenza
Utyalo-mali okhuselekileyo ongayenzayo kukuba abantu abaninzi abazange bakuve. Ungayithenga nge-intanethi. Ixabiso alikwazi ukuhla. Ifumana inzala yenzalo ehlangene nokunyuka kwamaxabiso. Izandi ezihloniphekileyo, akunjalo? Kubizwa ngokuba yi-Bond. Funda kabanzi apha. 08 Yintoni efanelekileyo ukutshala imali?
Ndiyamangalisa ukuba abantu baqhuba uphando lwe-intanethi ibinzana elithi "yintoni into enhle ukutshala imali" kodwa yenza. Ukuba uhlawula intanethi ngale ndlela, jonga. Kukho abakhohlisi obuqilipho ngaphandle apho banokuthanda ukukusebenzisa. Kukho indlela engcono yokutshala imali ngokufuna iikhompyutheni ze-intanethi kwaye ndiyigubungela kweli nqaku. 09 Iyintoni ukubuya okuhle kwi-mali?
Esinye sitshixo ekufumaneni utyalo-mali olufanelekileyo kukuqonda oko kwenzekayo. Luhlobo luni lokubuyisela omele ulindele kulotyalo-mali? Ukuba unengqiqo efanelekileyo yento kwaye akunakwenzeka ukuba unganamathuba okufumana ingxaki. Eli nqaku liya kunceda ukucacisa izinto. 10 Enye indlela yokufumana utyalo-mali oluhle? ubalekele ezimbi!
Kukho imigaqo embalwa yomhlaba onokuyisebenzisa ukuphepha utyalo-mali olubi. Hayizo zonke ezo zinto zimele zilandele imithetho; Unokuzicingela ngakumbi njengesikhokelo. Ingakumbi ukuba ungumtyalo-mali omtsha, ukusebenzisa le mithetho ukuhlala kude nokutyalomali olubi kunokukunceda ukukhetha okulungileyo. 11 Yintoni endiyenzayo kumcebisi otyalo-mali?
Ukuba awuqinisekanga ukuba ungakhetha njani utyalo-mali olulungileyo, ngaba uncedo lomcebisi-mali? Ingayiyo. Enye into engafanelekanga abantu abathile bayabamba kukuba abacebisi beze-mali baqikelela ukuba yiyiphi imarike eya kuyenza. Akusebenzi ngaloo ndlela. Utyalo-mali olulungileyo u-adivsor uthatha ixesha lokuqonda iinjongo zakho kwaye udibanise isicwangciso sotyalo-mali eside esilungiselelwe ukufezekisa ezo njongo.