Umkhakha wezokwakha ungenye yezinconywa kakhulu ukuthi sitshale imali esiyongele lo nyaka. Kunabahlaziyi bezimali abaningana abakhetha lokhu okunye njengefomula yokwenza imali inenzuzo ngeziqinisekiso ezinkulu zempumelelo. Kepha, ingabe uyazi ngempela ukuthi ungasifaka kanjani kahle lesi siphakamiso kwizimali? Ngoba uzoba nemibono engaphezu kweyodwa yokufeza lesi sifiso phakathi neminyaka embalwa ezayo.
Uma kukhona okuthile okuphawula lo mkhakha, kungenxa yokwehluka kwawo okuphezulu. Kukhulu kunoku abanye akhona kumasheya. Ngezicelo ezahlukahlukene, njengoba uzokwazi ukubona kusukela manje kuqhubeke. Kakhulu kusuka endaweni enolaka kube sengathi izindlela zakho zokutshala imali zisebenza ngendlela ethile. Vele, ngalesi sikhathi awukwazi ukungabaza ngamathuba ovulekele wena wokungena emkhakheni wezokwakha. Ngokusebenzisa amasu ahlukene.
Kuyiqiniso ukuthi indlela eqonde kunazo zonke yokutshala imali yakho ekwakhiweni kungenxa yemakethe yamasheya. Ngezinkampani eziningi ezahlukahlukene. Kepha nangolunye uchungechunge lweziphakamiso ezihluke kakhulu ezingasebenza ngokulinganayo. Kwezinye izimo ngisho nangendlela ye- ama-groundbreaking namasu amasha wokuvela kwawo. Kunoma ikuphi, ngeke ufinyelele emibonweni yokuhambisa lezi zinhlobo zokusebenza. Kuvame kakhulu, ngakolunye uhlangothi, ekuthandweni kwabatshalizimali abancane nabaphakathi.
Ukwakhiwa: izimakethe zamasheya
Uma ungafuni ukuphuka ikhanda, isiphakamiso sokuqala okufanele uye kuso izimakethe zezimali, ikakhulukazi imakethe yamasheya. Unezigcawu zikazwelonke izinkampani ezingenakubalwa ngalo mugqa webhizinisi osuselwa ngezitini. Yize kuqhamuka izindlela ezahlukahlukene. Akumangalisi ukuthi ingenye yamandla amakhulu okuhwebelana kwamasheya emhlabeni jikelele. Vele awudingi ukuba nomona nganoma iyiphi yazo. Kungumkhakha oyisisekelo womnotho waseSpain. Futhi lokho kubuye kwaqina amandla ngemuva kokuwohloka komnotho okuqale ngo-2008.
Futhi ukubheka kwabo bonke abatshalizimali sebebuyele ezinkampanini zokwakha. Kwezinye izimo ngisho nangamandla amakhulu. Lapho izikhala zokuthenga zibeka ngokucacile kubathengisi. Noma ngamanani entengo asikisela kakhulu kwezinye izinkampani ezifakwe kuhlu emakethe yamasheya aseSpain. Ngamandla okubuyekeza akhanga kakhulu asuselwa engcupheni amasheya ayo akhona njengamanje.
Ngaphezu kwalokho, izinkampani eziningi zokwakha zinikela nge- isivuno sedividendi cishe ku-5%. Njengento engeziwe yokuphakamisa inzalo ekuthengweni kwakho. Ngokuvamile ngokusatshalaliswa kwabaninimasheya njalo ngonyaka. Kunoma ikuphi, bekulokhu kuvela njengenye yezinhlaka ezisebenza kakhulu emalini yezimali kazwelonke. Yize amanani abo akhiqiza ukuguquguquka okukhulu kumanani abo. Ngokwehluka okubanzi kakhulu phakathi kwezintengo zayo eziphakeme nezincane nokuthi kwezinye izimo kungafinyelela ku-3%, ngisho nokukudlula kumaseshini asebenza kakhulu ezimakethe zezezimali.
Izimali zokutshala imali ezithengiswayo
Amanye amafomethi onawo okwamanje wokutshala imali yakho ngezimali zokutshala imali. Kuyindlela yokulondoloza kakhulu, kepha hhayi ngaphandle kwenzalo enkulu ezinyangeni ezizayo. Yize utshalomali lwakho, ngaphezu kwezinkampani zokwakha kuphela, kusekelwe ku-real estate. Kuyi-nuance encane okufanele uyihlole uma ufuna ukuvula izikhundla kusukela manje kule mikhiqizo yezezimali. Ngezimali ezahlukahlukene ukuhlangabezana nesidingo sakho samanje.
Lezi zimali, kwezinye izimo, zihlanganiswe nezinye izimpahla zezezimali. Kuqhamuka kokungenayo okungaguquki nokuguqukayo. Yize amaphesenti amancane angavamile ukweqa ama-25% wephothifoliyo yokutshala imali. Zenziwe izinkampani zokuphatha ezahlukahlukene, nangaphansi kwamamodeli ahlukene ekuphathweni kwazo. Ngakho-ke ungakhetha ifomethi evumelana kahle kakhulu nezici zakho njengomtshalizimali omncane naphakathi.
Le ndlela yokutshala imali ihlose kakhulu esikhathini esimaphakathi neside. Kungenye yezinto ezivelele ukuthi lezi zimali ezikhethekile kakhulu zikhona. Hhayi ize, uma okufunayo kungukusebenza okusheshayo, kuzoba ngcono ukuthi ukhethe eminye imikhiqizo yezezimali eguquguqukayo engakhomba ukuhamba kwezinkampani zokwakha ezimakethe zezimali. Ezimalini zokutshala imali, kunalokho, ongakwenza ukudala indawo yokubeka imali eminyakeni embalwa ezayo ngokususelwa kulo mkhakha obaluleke kakhulu wezomnotho.
Ukutshala imali nge-ETFs
Izimali ezihwebelana ngokushintshanisa zifaka izinzuzo zezimali ezihlangene kanye nokuthengiswa nokuthengwa kwamasheya kumkhiqizo owodwa. Yize ingaphansi kobuntu bayo futhi ichazwe kahle kakhulu. Yebo, inamamodeli asuselwa ekwakhiweni, kepha nge uchungechunge lokwehluka okuphawuleka kakhulu okufanele ukwazi. Akususelwa kunani elilodwa lesitoko, kepha kubhasikidi wamasheya. Ngale ndlela, uzokwazi ukwehlukanisa utshalomali lwakho ngempumelelo enkulu. Ikakhulu ngezikhathi ezingathandeki kakhulu zezintshisekelo zakho.
Kungaba futhi nohambo lwe-bullish kakhulu ezinyangeni ezimbalwa ezizayo. Ngaphandle kwanoma yisiphi isikhathi izikhundla zabo zixhunyaniswa namanye ama-actinos ezezimali. Akukho mali engaguquki noma eguquguqukayo. Kungumkhiqizo wezezimali ophethe izingozi eziningi kwinkontileka yawo. Kepha ngomvuzo ongakhokhela intshisekelo yakho ngokuhamba kwakho kokuthenga ezimakethe zezezimali.
Kusuka kulesi simo esivamile, kuyindlela elulekayo kakhulu yephrofayili yabatshalizimali abaphakathi. Ngaphandle kokuthatha izikhundla ezinolaka ngokweqile, kepha futhi kude nezindlela ezilandelanayo. Njengamanje, unezimali eziningi zokuhwebelana ezihlangabezana nale mibandela. Noma kunjalo, okunikezwayo akunamandla kangako njengaleyo oyinikezwe ngamanye amamodeli ekuphathweni kwayo. Kufika ezingeni lokuthi zikhawulelwe kakhulu futhi zidinga ulwazi oluthe xaxa lomkhiqizo.
Isiphakamiso sokusungula imali
Kunoma ikuphi, usesimweni sokukhetha imodeli yokutshala imali ehluke ngokuphelele. Kokubili ekukhulelweni nasekusebenzeni kwemishini. Ukutshala imali encane ekwakhiweni kwamafulethi. Ekuqaleni ungacabanga ukuthi uthola i- isivuno esiseduze no-3%. Kepha uma isikhathi sokutshala imali siqondiswa isikhathi eside, ungasiphakamisa sibe ngaphezu kwama-50%. Into ethakazelisa kakhulu ngalesi siphakamiso esiyingqayizivele ukuthi ungayenza ibe semthethweni kusuka kuma-euro ayikhulu. Ngokwenzayo kusho ukuthi uzoba umnikazi wefulethi noma ifulethi ngendlela elinganayo. Njengenzuzo etholwe ngenxa yokwenza lo msebenzi.
Yindlela yakamuva yokutshala imali esenokungabaza okuthile. Iphinde yathuthukiswa yizinkundla ezintsha eziku-inthanethi ezinqume ukwenza lo msebenzi ngenhloso yokutshala imali kosomabhizinisi abancane. Ngaphandle kwezingozi eziningi ngenxa yokuguquguquka kweminikelo yemali. Ngamafuphi, ezinye izinketho ongazisebenzisa ukutshala imali emakethe yokwakha kusukela manje kuqhubeke.
Ukutshalwa kwezimali emakhaya amasha
Amandla akho okutshala ngale mpahla yezezimali awagcini lapha. Kanjani? Kulula kakhulu, ngokutshala imali ekhaya lesibili. Ngokwezifundo ezimbalwa kulo mkhakha, amandla okubuyekeza ekuthengweni kwamafulethi abuye futhi ihehe kubatshalizimali. Futhi ikakhulukazi, ukutholwa kwekhaya lesibili kungenye yezindlela eziphumelela kakhulu zokwenza umsebenzi ube nenzuzo.
Ngalokhu unokuthembela okuya ngokuya kube namandla kwemalimboleko yezindlu. Kusizakala ukwehla kwamamaki enkombeni yebhentshimakhi yemali mboleko, i-Euribor. Akumangalisi ukuthi kungamanani amabi. Lesi simo singakusiza ukuthi uthenge ikhaya lesibili. Kepha ngenhloso yokutshala imali, hhayi ukuthola umsebenzi. Okwamanje unezimalimboleko zemali mboleko eziningana ezikhona ukusabalala okungaphansi kwe-1%. Ngale ndlela, ukusebenza kuzobe kushibhile ngawe ukwenza ukutholwa kwayo kube semthethweni.
Isu lokutshala imali lingadluliselwa ngemigudu emibili. Ngakolunye uhlangothi, ngokulithengisa lapho selithande ngokwanele. Ukuthola inzuzo enkulu ekusebenzeni. Lokho kungeqiwa emazingeni angama-20%. Akumangalisi ukuthi esikhathini seminyaka embalwa ungahlangabezana nemigomo oyifisa kakhulu. Ngenzuzo yokuthi uzokwazi ukulawula isisindo sokusebenza wedwa, ngaphandle kosizo lwamanye amathuluzi angeziwe.
Isenzo sesibili ongasithatha ngendlu oyitholile kusekelwe ekuyiqashiseni. Ungathola futhi imbuyiselo kulokhu kuthengiselana kwemali. Ngisho kuphela ku- Izikhathi zokuphumula. Hhayi ngeze, bazoba yimali engenayo ongayisebenzisa njalo ngenyanga. Ngakho-ke kuthuthukisa ibhalansi ye-akhawunti yakho yokuhlola. Uma nje kubonakala kufanelekile ukugcina umbuso wokuqasha ngekhaya lakho elisha.
Njengoba kungenzeka ubonile, unezindlela ezingaphezu kweyodwa zokutshala imali emhlabeni wezitini. Noma yiziphi zazo zizokulethela izinzuzo, ikakhulukazi uma wazi ukuphatha kahle futhi imakethe iyakwazisa ngokuya ngokulindelekile. Ngaphandle kwesidingo sokugxila kuphela ekuthengeni amasheya ezimakethe zezimali. Ngoba uzofika esiphethweni sokuthi kukhona impilo ngale kwesikhwama. Ngaphandle kokuqhubeka, lesi yisibonelo saleli su.