Esinye sezihluthulelo zokuvikela ukutshalwa kwezimali zakho zamasheya ngokungangabazeki ukuhlukahluka kwazo. Lokhu akugcini nje ngokukuvumela ukuthi ukhuphule imbuyiselo kodwa futhi kukusiza ukuthi ubhekane nezimo zemakethe ezingezinhle kakhulu, lapho ingozi enkulu iwukwehla kwenani lazo zonke izikhundla zakho ezivulekile . Ngaphezu kwalokho, leli su lilula kakhulu ukulisebenzisa futhi lifinyeleleka kuzo zonke izinhlobo zabatshalizimali, kusukela kwabancane kuya kwabaphakathi.
Iphuzu akusikho ukutshala yonke imali yakho engongiwe ebhasikidini elilodwa lezimpahla zezimali. Kunalokho, zisakaze kuzo zonke izinketho zokutshala imali ezahlukene ngisho nemikhiqizo eyahlukene yezezimali , kusukela kwejwayelekile kakhulu kuya kuleyo enezingozi zokusebenza eziphezulu. Ukuhlanganisa lokhu kungakulethela izinzuzo ezibalulekile kusukela manje kuqhubeke, kuze kube yilapho uzothuthukisa khona imbuyiselo yokonga kwakho. Phela, lokhu kuwumgomo obulokhu uwuhlose kusukela ekuqaleni.
Enye yezinzuzo ezinkulu zalolu hlelo lokutshala imali ukuthi lukuvumela ukuthi ukhethe ezixazululweni ezahlukene. Ezinye zingokwesiko kakhulu, kanti ezinye zingokoqobo ngempela , futhi kwezinye izimo, ziphinde zibe nobuciko . Ekugcineni, lokhu kuzokwenza ubuhlobo bakho nomhlaba wemali bube buhle kakhulu kunalokho obekulokhu kunjalo kuze kube manje. Uzodinga nje ukwenza umzamo omncane futhi, ngaphezu kwakho konke, ukuzithiba okukhulu ukuze uzisebenzise ngendlela efanele. Ngokuqinisekile kuzokufanelekela imiphumela ethuthukisiwe ongayifinyelela ngalezi zindlela zokutshala imali.
Hlukanisa ekutshalweni kwemali
Ukuze uhlukanise ukutshalwa kwezimali kwakho, kuzodingeka uhlole amamodeli ezezimali ahlukene . Isihluthulelo sempumelelo sisekuhlanganiseni amasheya nemali engenayo engaguquki, ngisho nezindlela ezihlukile, njengendlela engcono kakhulu yokuvikela imali yakho kusukela ekuqaleni. Kunezinketho eziningi ezitholakalayo, eziningi njengezikhungo zezimali ngokwazo. Udinga nje ukuthola eyodwa efanelana nezidingo zakho njengomtshali-zimali wezitolo.
Esinye sezixazululo eziphumelela kakhulu ezinikezwa yimakethe yezezimali sivela ezikhwameni zokutshalwa kwezimali . Lokhu kungenxa yokuthi umkhiqizo okuvumela ukuthi uhlanganise noma iyiphi impahla yezezimali kumodeli eyodwa. Inzuzo ukuthi unezimali eziningi ongakhetha kuzo ezinikeza lesi sici. Lawa amamodeli aphethwe ngenkuthalo athuthukiswe yizinhlangano ezinesibopho sokuklama lolu hlobo olukhethekile lokutshalwa kwezimali. Angatholakala ngisho nangezinye izinhlobo zemali ngaphandle kwe-euro: amadola, ama-franc, noma ama-yen aseJapan.
Izimali zokutshalwa kwezimali ezihlanganisa izimpahla zezimali ezahlukahlukene zinikeza izinzuzo eziningana zokwahlukahluka kokutshalwa kwezimali. Phakathi kwazo iqiniso lokuthi ukulahlekelwa kwakho kuzoba kuncane ezimweni zemakethe ezingafanele, okukuvumela ukuthi ubhekane nazo zonke izimo ezingaba khona ngempumelelo. Enye yamamodeli ayisibonelo esihle salokhu mkhuba yisikhwama sokutshalwa kwezimali esixubile. Sihlanganisa zonke izinhlobo zemali engenayo ngaphandle kokudinga ukuthi unciphise noma yiliphi isu lezezimali, kungaba elinolaka, elivikelayo, noma eliphakathi nendawo.
Bhalisela imikhiqizo yasebhange
Elinye isu lokushintshashintsha imali oyilondolozile lihilela ukutshala imali emikhiqizweni yasebhange engeyona imali kuphela . Idiphozithi yesikhathi esinqunyiwe, amanothi esithembiso sasebhange, noma ama-akhawunti okonga anezinzuzo eziphezulu ziyizibonelo ezithile . Inzuzo eyinhloko yale modeli yokonga ukuthi inikeza imbuyiselo enqunyiwe neqinisekisiwe njalo ngonyaka. Imbuyiselo ngeke ibe phezulu kakhulu, kodwa okungenani ngeke ulahlekelwe yimali kunoma yikuphi. Amanani enzalo awavamile ukudlula u-2%. Kuyisu elilondolozayo kakhulu, kodwa elizoletha ukuzinza okukhulu kwiphothifoliyo yakho, ikakhulukazi lapho izimakethe zezimali zibhekene namazinga aphezulu okungaqiniseki.
Ungabeka ingxenye yokonga kwakho kule mikhiqizo yasebhange ukuze uhlukanise ukutshalwa kwezimali kwakho. Ngaphezu kwalokho, lezi zinhlelo zokonga kulula kakhulu ukuzisetha futhi azidingi ulwazi olukhethekile kuwe. Nakuba ezimweni eziningi kuzodingeka ulinde kuze kube yilapho imali ebuyayo ivuthwa ukuze ifakwe kwi-akhawunti yakho yokubheka. Ungaqiniseka ukuthi uzoba nenzuzo eqinisekisiwe emalini yakho eyongiwe . Phela, lezi yimikhiqizo efanayo abazali bakho noma ogogo nomkhulu abayisebenzisela ukutshala imali yabo ukuze ikhule.
Le mikhiqizo ishibhile kakhulu kuzo zonke izabelomali zasekhaya ngoba ingavulwa ngemali encane kakhulu, ngokuvamile kusukela ku-€1.000 . Inikeza izikhathi zokuzibophezela ezahlukene kuye ngezidingo zakho zangempela zokumboza izindleko kusukela ngaleso sikhathi kuya phambili. Kodwa-ke, uzoba nenkinga yokuthi awukwazi ukuyikhansela kusenesikhathi, njengoba amabhange angakhokhisa ngisho nemali ecishe ibe ngu-2% ngalolu hlobo lokukhansela.
Iya kwezinye izindawo zomhlaba jikelele
Esinye isihluthulelo sokwandisa imali yakho yokonga akusikho ukuzikhawulela ezimakethe zezimali zasekhaya kuphela. Ungasebenzisa ithuba lokusebenza okunamandla kwezinye izitolo zamasheya ukwandisa ibhalansi yakho yamanje ye-akhawunti. Ngale ndlela, uzobe usesimweni esingcono sokuhlola amathuba amasha ebhizinisi kwezinye izingxenye zomnotho wamazwe ngamazwe. La mathuba awaveli nje kuphela emasheya kodwa futhi nasemiholweni engaguquki. Futhi ikakhulukazi kwezinye izindlela zokutshala imali: izimpahla, izinsimbi eziyigugu, njalo njalo.
Omunye wemiphumela yaleli qhinga eliyingqayizivele ukuthi uzokwazi ukufinyelela amathuba amaningi ngemali yakho. Ngenxa yalokho, amathuba akho okuthuthukisa imbuyiselo yakho azokhula kakhulu uma kuqhathaniswa nezinye izindlela zokutshala imali. Kuyiqiniso futhi ukuthi kuzodingeka uthathe izingozi ezinkulu , kodwa yileyo ntengo oyikhokhelayo ngokuba nesifiso esikhulu endleleni yakho yokuya ezweni lezezimali—ukufinyelela ezimakethe zezimali ezazingafinyeleleki nhlobo kwaze kwaba yiminyaka embalwa edlule. Kusukela manje kuqhubeke, ungakhetha le ndlela ehlukile.
Ezimalini ze-United States unezimakethe ezihamba phambili ukwenza lesi sifiso siphumelele. Ngenketho yokuya ezimakethe zobuchwepheshe lapho kufakwa khona izinkampani ezihamba phambili kulo mkhakha webhizinisi. Noma nezimakethe zase-Asia lapho izimo zabo zikufuna. Kuyindlela ezuzisa kakhulu ngezikhathi ezithile emnothweni wamazwe omhlaba. Ukufika ezingeni lokuthi uvuselele iphothifoliyo yakho yokutshala imali ngezikhathi ezithile. Ukwenza ngcono okulindelwe ukukhula kwisitatimende sakho semali engenayo.
Khetha imodeli yokuphatha esebenzayo
Le ndlela ngokungangabazeki izokulethela izizathu ezingaphezu kwesisodwa zokugubha kusukela manje kuqhubeke. Yini ozoyifeza? Kulula njengokuzivumelanisa nazo zonke izimo ezingaba khona, ngisho nalezo ezingakuthandi kakhulu izintshisekelo zakho. Izimali zokutshalwa kwezimali ziyisibonelo esihle kakhulu saleli cebo. Abaphathi bezimali ngokwabo banesibopho sokubuyekeza izimpahla zezimali ngokusekelwe ezimweni zemakethe, ngokubuyekezwa njalo kwephothifoliyo. Lena yindlela kuphela yokwandisa imbuyiselo yokutshalwa kwezimali.
Nganoma yisiphi isikhathi, ungasebenzisa imali engenayo noma amasheya aqinile, ukhethe amathuba ebhizinisi angcono kakhulu isikhathi ngasinye. Lokhu kufaka phakathi nethuba lokuvikela izikhundla ze-euro ukuze ugweme ukuguquguquka okungafuneki ngenxa yezinguquko emazingeni okushintshaniswa kwemali emikhulu yamazwe ngamazwe. Kunoma ikuphi, kuyimodeli inani elikhulayo labatshalizimali eliyikhethayo. Abaphathi bezimali baphatha le misebenzi. Ngeke kudingeke wenze lutho, njengoba yilokho kanye izimali zokutshalwa kwezimali ezilawulwa ngokusebenzayo ezikwenzelwe.
Musa ukutshala yonke imali
Ukuhlukahluka kufanele futhi kusekelwe ekutshalweni kwezimali okwenziwe ngengxenye enkulu yokonga kwakho, ngenkathi kugcinwa imali ethile ku-akhawunti yakho yokuhlola. Lokhu kuhloselwe kakhulu ukuvikela izikhundla zakho ezimweni ezingezinhle zemakethe, kodwa futhi nokulungele ukusizakala ngamathuba ebhizinisi azovela ngokungangabazeki ezinyangeni ezizayo. Ukuze ufeze lokhu, kuzodingeka ugcine imali ethile etholakalayo ukuze ukhulise ukutshalwa kwezimali kwakho.
Iphesenti lokutshalwa kwezimali kwakho kufanele lihambisane nephrofayili yakho yabatshalizimali. Ngeke kufane nomuntu ogcina imali ngobudlova njengalowo ovikela kakhulu. Kufanele futhi ucabangele izindleko ozilindele ezinyangeni ezizayo ukuze ugweme isilingo sokwenza izinqumo zokutshalwa kwezimali ezingalungile ngenxa yesidingo sakho sokuba nemali eyanele ukuze ukhokhele lezi zindleko.
Kunconywa kakhulu futhi ukuthi uhlukanise imali yakho oyilondolozile ngokulinganayo phakathi kwemikhiqizo yezezimali ehlukene oyikhethayo, emazingeni obona ukuthi afaneleka kakhulu ukuvikela izintshisekelo zakho zomuntu siqu. Ingxenye encane kakhulu yeminikelo yakho kufanele iye emikhiqizweni ephethe amazinga aphezulu engozi. Inani elincane lizoba ngaphezu kokwanele ukuhlangabezana nale ngozi, njengoba le yimikhiqizo lapho uzolahlekelwa khona imali eningi uma utshalomali lungahlangabezani nokulindela kwakho kokuqala.
Uma ulalela amanye alawa macebiso, ungaqiniseka ukuthi ukutshalwa kwezimali kwakho kuzosebenza kangcono kakhulu kusukela manje. Kunethuba elikhulu lokuthola imbuyiselo eningi . Uma kungenjalo kakhulu, okungenani kwanele ukuthi ukubone ngokucacile ebhalansi yakho ye-akhawunti yokonga. Kuze kube yilapho ungase ukwazi ngisho nokuzitika ngento ekhethekile.