Ngokuqinisekile, enye yamasu amahle kakhulu okuvikela imali esiyongile ukutshala imali ngezindlela ezahlukene. Kodwa-ke, lokhu akunakwenziwa ngokungahleliwe; kudinga ukuhlela ngokucophelela iphothifoliyo yokutshala imali ezokwakhiwa ngabatshalizimali ezinyangeni ezizayo. Ngaphezu kwakho konke, kumele kube nokulinganisela, njengoba lena yindlela eyodwa yokugwema amaphutha angaqeda imali yethu ngokungadingekile futhi, ngandlela thile, ngendlela engenangqondo.
Ngakolunye uhlangothi, indlela enhle yokwehlukanisa ukonga iwukungazibekeli eceleni empahleni eyodwa yezezimali . Kunalokho, kufanele ucabangele ezinye izinketho, kokubili kwimali engenayo ehleliwe nakwezinye izimakethe zezimali ezihlukile (imakethe yemali, izimpahla, izinsimbi eziyigugu, njll.). Ekugcineni, umgomo ukugwema ukugxila zonke izimpahla zakho kubhasikidi owodwa. Leli yiphutha elikhulu elingaba nemiphumela ebalulekile ebhalansini yakho ye-akhawunti yokuhlola.
Ngaphezu kwalokho, ukutshala imali okuhlukahlukene kunikeza izinzuzo eziningana ezengeziwe. Enye yalezi ukuthi kudala isimo esingcono kakhulu kunoma yisiphi isimo, hhayi nje kuphela sokutshala imali ngezikhathi zokwanda kodwa futhi nangezikhathi ezimbi kakhulu ezimakethe zezimali. Lokhu kungenxa yokuthi enye yezinzuzo zokutshala imali okuhlukahlukene ukuthi kusenza sikwazi ukuhlela kabusha iphothifoliyo yethu kaningi ngendlela esifisa ngayo, kuye ngesimo sangempela sezimakethe zezimali. Ekugcineni, kumayelana nokuphatha imali yethu ngenkuthalo, ngokungafani nendlela engaguquki evame ukuthathwa ngabatshalizimali abangenalo ulwazi oluningi.
Hlukanisa: izimpahla eziningi zezezimali
Akungabazeki ukuthi esinye sezihluthulelo zokufeza lo mgomo ofiselekayo sisekukhetheni izimpahla zezimali ezinhle kakhulu nganoma yisiphi isikhathi. Yiqiniso, umuntu akufanele agxile kweyodwa kuphela, njengoba lokhu kuzokwandisa inkinga kusukela ekuqaleni. Enye yamasu asebenza kahle kakhulu ihilela ukuhlanganisa izabelo kanye nezimpahla zengeniso ezinzile nezinye izingxenye ezihlukile, lapho amathuluzi emakethe yemali edlala indima entsha kakhulu ekukhuliseni imbuyiselo ezikhundleni ezivulekile.
Ngaphezu kwalokho, kungenye yezindlela ezilula zokuvikela imali yakho oyitshalile. Izimpahla zezimali ezahlukene zisebenza njengesivikelo ngesikhathi sokwehla kwemakethe okungekuhle kakhulu , okungenzeka zikhiqize inzuzo enkulu kwezinye zalezi zimo ezinzima. Isibonelo salokhu yisikhwama sokutshala imali esixubile, esinikeza izindlela ezahlukene zokuphatha izimpahla zabasebenzisi, njengoba eziningi zazo zenza ngempela.
Vulela izinketho ezintsha
Ukuze uhlukanise ukutshalwa kwezimali kwakho, ngeke ube nakukhetha ngaphandle kokuba nezimo eziguquguqukayo kakhulu mayelana nezimpahla zakho zezimali ozikhethile. Udinga ukuzicabangela cishe zonke, kusukela ezibophweni zikahulumeni zendabuko kuya ezinkethweni eziyinkimbinkimbi, njengokutshalwa kwezimali kukawoyela. Ngale ndlela, ungasebenzisa wonke amathuba ebhizinisi azovela kusukela manje kuqhubeke. Ngamanye amazwi, okuphambene nokuhlala ungashintshi, okungaholela ekulahlekelweni okukhulu ezimweni ezingathandeki kakhulu kwezimpahla eziningi zezimali.
Ngaphezu kwalokho, esinye sezihluthulelo zokusebenzisa leli cebo lokutshala imali eliyingqayizivele sisekukhetheni ukuphathwa okuguquguqukayo. Lokhu kukuvumela ukuthi ube sesimweni esihle kakhulu sokukhulisa kancane kancane ibhalansi yakho yamanje ye-akhawunti. Ngempela, ingashintshwa nganoma yisiphi isikhathi ukuze ivumelane nazo zonke izimo zemakethe. Kodwa-ke, ukuze wenze lokhu ngempumelelo, kuzodingeka uhlale unolwazi oluseduze ngakho konke okwenzekayo emnothweni wamazwe omhlaba , ukuze ukwazi ukulungisa iphothifoliyo yakho yokutshala imali ngokufanele. Kulokhu, izikhathi zokubamba akufanele kube yinto ekhathazayo, ngoba okubaluleke ngempela ukulandela ukuthambekela kwezimpahla ezisebenza kahle kakhulu.
Ngebhasikidi lamasheya
Uma ukhetha imakethe yamasheya yokutshalwa kwezimali zakho, unesu elizothuthukisa imiphumela yakho kusukela manje kuqhubeke. Leli su lihilela ukukhetha ibhasikidi lamasheya esikhundleni sesitoko esisodwa, noma okungcono kakhulu, elilodwa nje. Kodwa lawa kufanele abe amasheya ahambisanayo ngempela. Ngamanye amazwi, akufanele usekele isinqumo sakho ekuthengeni amasheya emabhange amabili noma amathathu. Ukwenza kanjalo kungaba iphutha elikhulu. Uma lo mkhakha ubhekene nokwehla okukhulu, ukwehla kungajula .
Kungcono kakhulu ukubheka izingxenye zesikhwama ezigcwalisana kahle. Ukukhetha iphothifoliyo efanayo yokutshala imali amasheya ahlongozwayo ahlukile njengalawo avela emkhakheni wezamandla, owokwakha, ubuchwepheshe obusha kanye nemikhakha yokudla. Ukuze uvikele izikhundla zakho ngendlela efanelekile kunoma yiluphi uhlobo lwendlela. Vele, awusoze waba nokulahlekelwa ongakuthuthukisa kusuka esiphakamisweni esisodwa noma ezimbili zokulingana. Kuyinto ozoyifunda kancane kancane ngokuhamba kwemisebenzi oyenza ibe semthethweni kusuka kulezi zikhathi eziqondile.
Yiphelelise neminye imikhiqizo
Kuzoba wusizo kakhulu futhi ukuhlanganisa ukutshalwa kwezimali okuvamile nemikhiqizo yasebhange evamile , njengediphozithi yesikhathi esinqunyiwe, amanothi asebhange, noma ngisho nama-akhawunti okonga anezinzuzo eziningi. Ungakhohlwa ukuthi lawa mamodeli okonga akhiqiza imbuyiselo cishe kuzo zonke izimo. Nakuba imbuyiselo ingaba yincane, okungenani izokuvimbela ukuthi ungene ku-red, okunomphumela omuhle kakhulu ekutshalweni kwezimali kwakho okusele. Lezi zinketho zizokhiqiza inzalo ecishe ibe ngu-1%, eqinisekisiwe njalo ngonyaka ngaphandle kwengozi yangempela ezikhundleni zakho ezivulekile.
Iphesenti lokutshalwa kwezimali kwakho lizonqunywa yiphrofayili yakho yabatshalizimali njengomtshalizimali omncane noma ophakathi nendawo. Ngempela, ukutshalwa kwezimali kuzohluka kumtshalizimali onolaka uma kuqhathaniswa nomuntu obeka phambili ukuphepha kunezinye izinto zobuchwepheshe neziyisisekelo. Uzokhetha inani ozolinika umkhiqizo ngamunye ofakiwe kulezi zintengiselwano. Isimo samanje sezimpahla zezimali ezahlukene sizoba yinto ebalulekile. Ungagcina nemali ethile ukuze usebenzise amathuba ebhizinisi azovela ngokungangabazeki nganoma yisiphi isikhathi.
Iya kwezinye izimakethe zamasheya
Akungabazeki ukuthi isu lakho lokutshala imali kumele lilandele lesi simiso esibalulekile. Ungakhohlwa ukuthi ukuma endaweni eyodwa noma esifundeni sezwe kungaba yiphutha elikhulu elingakubiza kakhulu kusukela manje. Kumelwe uye lapho imali yabalondolozi abakhulu iya khona, futhi ngendlela eqhubekayo necwaningwe kahle. Isikhathi esibi kakhulu kuyoba lapho udinga ukuphuma emakethe eyodwa yamasheya bese uthuthela kwenye ekhombisa ukusebenza okungcono kobuchwepheshe—okungukuthi, enye enesimo sokukhuphuka esiphelele.
Kulesi simo, kungenye isu lokutshala imali elisetshenziswa abahwebi abanolwazi oluthe xaxa. Bayazi ukuthi kufanele baphume nini nokuthi bagxilise kuphi imali yabo, okungenye yezici eziyinkimbinkimbi kakhulu zalolu hlobo lokutshala imali. Kudinga ukwenza kokubili ukuthenga nokuthengisa okuhle kakhulu. Lesi yisihluthulelo sempumelelo yalaba batshalizimali: bayazi ukuthi bangahlukanisa kanjani imali yabo nganoma yisiphi isikhathi nangaphansi kwanoma yiziphi izimo zemakethe yezezimali.
Ukuvuselelwa ngezikhathi ezithile
Enye indlela esetshenziswayo ukushintsha nokuvuselela ukutshalwa kwezimali kwakho ngezikhathi ezithile, isibonelo, phakathi kwezikhathi ezi-1 kuya kwezi-3 ngonyaka. Lokhu kukunika ukuguquguquka kokuzivumelanisa nazo zonke izimo ezingaba khona, kusukela ezikhathini zokukhula okusheshayo kuya ezikhathini lapho ukucindezeleka kokwehla kuyinto evamile yezimpahla zezimali. Lokhu akubalulekile nje kuphela ekuthengeni nasekuthengiseni amasheya; futhi kuyasiza kakhulu ezikhwameni zokutshalwa kwezimali, ezikhwameni ezihwebelana ngokushintshana, kanye nemikhiqizo yezezimali enamandla kakhulu.
Udinga nje ukususa kuphothifoliyo yakho lezo zimali ezingazange zisebenze njengoba bekulindelekile ekuqaleni, uzifake ezinye ezibonisa amandla amakhulu okukhula , noma okungenani ezihweba ngaphansi komkhuba ophakeme kakhulu esikhathini esifushane nesiphakathi. Ngale ndlela, inzuzo yokutshalwa kwezimali zakho izokhula, uma kungenjalo kakhulu, okungenani ngokwanele ukugwema ukulahlekelwa yimali. Kodwa-ke, lokhu kudinga ukuhlaziywa okujulile kwezimakethe zezimali.
Ngoba kwezinye izimo ezinye iziphakamiso zizosebenza kwezinye kwezinye. Akumangalisi ukuthi enye yezinzuzo ezinhle zokutshala imali ukuthi ungakhetha phakathi kwemikhiqizo ehlukile yezezimali. Okuningi kunalokho ongakucabanga kusukela ekuqaleni. Kepha uhlala uhlukanisa iminikelo yakho yezezimali. Ungakhohlwa futhi uzoba nezinzuzo eziningi kusukela manje.