Ezintweni eziningi zokuthengiselana, ukulinda ukungena ezimakethe zezimali kungaholela enzuzweni enkulu yezimali. Lezi zinzuzo zingahluka phakathi kuka-5% no-10% , kuye ngohlobo lokuhweba okwenzayo ezimakethe zamasheya. Ngenxa yalesi sizathu, kubalulekile ukuhlala uzolile lapho uhweba. Lesi yisici esinganquma ukuthi wenza inzuzo noma, ngokuphambene nalokho, ukulahlekelwa. Singakwazi ngisho nokuchaza ukuziphatha kokutshalwa kwezimali kwakho kunoma yiluphi uhlobo lwesimo futhi singase simise ngisho nezitayela. Lesi sici, esibaluleke kakhulu ezithakazelweni zakho njengomtshalizimali omncane noma ophakathi, akufanele sithathwe kancane.
Ngakho-ke, kubaluleke kakhulu ukuthi ukhethe isu elifanele lokulinganisela ukuphepha kanye nengozi etholakala ezimakethe zokuhweba ngamasheya. Uzovame ukuzithola uzibuza ukuthi kungcono yini ukuthatha izikhundla ngokushesha noma ulinde ngaphambi kokwenza isinqumo. Lokhu kuvame kakhulu lapho intengo yesitoko ikhuphukile, okudala inkinga yangempela uma kukhulunywa ngokwenza isinqumo. Cishe usuzibonele lokhu wena ngokwakho izikhathi ezingaphezu kwesisodwa.
Enye yamasu asebenza kahle kakhulu kulezi zimo ukubeka imigomo ngaphambi kokungena ezimakethe zezimali. Kufanele uzibuze ukuthi ulindeleni kulokhu kutshalwa kwezimali okuthile. Imigomo yakho ingase ingabi ngokoqobo , ngaphandle kwesiqinisekiso sokuthi izofezwa. Noma, ngokuphambene nalokho, ungase uhlose imigomo engokoqobo, yize kunezinzuzo ezincane. Lona omunye wemibuzo okumele icaciswe ngokucacile ngezikhathi ezibalulekile lapho ucabanga ukuthi wenzeni. Yini enenzuzo enkulu: ukulinda noma ukugxuma ngokushesha ezimakethe zezimali? Lokhu kuyinto okumele icace kakhulu ukuchaza noma yiluphi uhlobo lwesu lokuphatha ukutshalwa kwezimali.
Uthola ini uma ulinda esikhwameni?
Uma ukhetha leli qhinga elisebenza ngokuphelele, kufanele wazi ukuthi bazokhiqiza izinzuzo ezingaphezu kokuningi ngokusetshenziswa kwaleli su elihlukile. Phakathi kokunye okubaluleke kakhulu kukhona okulandelayo esikuvezela khona ngezansi.
- Ungaba okuningi ukhetha ngokwengeziwe ekusebenzeni kwakho kusuka manje. Akumangalisi ukuthi uzolazisa ikhwalithi yokusebenza emakethe yamasheya ngaphezu kobungako bayo. Ziyisiqinisekiso esikhulu kokufanayo ezizosiza ukwenza ukonga kube nenzuzo ngendlela egculisayo ukwedlula kuze kube manje.
- Imajini ozoba nayo ngamaphutha kuzoncipha ngendlela enenjongo. Njengomphumela wezinqumo ezivuthiwe kakhulu ngombono wezobuchwepheshe. Noma unenketho yokuthuthukisa imiphumela yokusebenza kusukela ngesikhathi sokukhulelwa.
- Uzogxila ngokuningiliziwe ekusebenzeni ngakunye. Kokubili kusuka kumzuzu oqondile wokukhethwa kwamanani wemakethe yamasheya nasekuqapheni kwawo okulandelayo. Kuze kube seqophelweni lokuthi uzocacelwa kakhulu kunanini ngaphambili amazinga lapho kufanele uvale khona ukusebenza. Ngamanani ahlala elungiswa kakhulu kuzintshisekelo zakho ukuqedela ukunyakaza okwenziwe.
- Lelisu elihlukile lokutshala imali lizoba ithuluzi elisebenza kahle kakhulu ukuthola ubuqiniso amathuba ebhizinisi ekhiqizwa kusuka ezimakethe zezimali. Ungangena ngesikhathi esifanele nangentengo efanelekile. Ayikho ingozi yokuphambukisa ukunaka ngokusebenzisa ezinye izinhlobo zokusebenza kulezi zimakethe.
- Akunakusho ukuthi, ukulinda esikhwameni kuyakusiza ngaso sonke isikhathi qinisa isinqumo sakho. Akumangalisi ukuthi awukwazi ukukhohlwa ukuthi kungaba nomthelela ngokwengqondo noma ngokomzwelo ezenzweni zakho ezimakethe zezezimali. Ukuqinisekisa imibono yakho maqondana nobudlelwano okufanele ubugcine nezwe lemali eliyinkimbinkimbi njalo.
- Uma futhi usebenzisa i-oda le- umkhawulo wokulahlekelwa, okwaziwa kakhulu nge-stop loss, kuzokunikeza ukuphepha ongeke ukwazi ukukufeza ngokusebenzisa ezinye izinhlobo zamasu wezimakethe zamasheya. Okubi kakhulu, abasoze balimaza, ngisho nasezimweni ezibucayi kakhulu ezimakethe zezimali.
Ungakwenza kanjani ukunyakaza kube semthethweni?
Vele, ngaphezu kwakho konke okunye, uzodinga ukuqonda ngalezi zenzo. Inhloso yabo eyinhloko ukuqapha izimakethe zezimali, ikakhulukazi ngokubuka ukuphakama kwentengo nsuku zonke noma masonto onke. Ngale ndlela, lapho amanani ehla, ungaphuma ngokushesha ezikhundleni zakho bese uqoqa noma iyiphi inzuzo eqoqwe kuze kube yileso sikhathi. Kuyindlela ethembekile enconywe abahlaziyi abaningi bemakethe, yize idinga ukuqapha eduze ukunyakaza kwentengo ezimakethe zamasheya zomhlaba wonke.
Umzamo odingekayo ungase ube nzima kakhulu kunezinye izindlela zokutshala imali. Ekugcineni, umgomo uwukuba uqonde kangcono izimakethe zezimali , noma okungenani wenze izinqumo ezinolwazi mayelana nokuthi ungazithenga kanjani lezi zimpahla zezimali. Ngaphezu kwalokho, enye yezinzuzo zokulinda emakethe yamasheya ukuthi uzoba nemali eningi kakhulu ngezikhathi ezithile zonyaka. Ngenxa yalokho, uzobe usesimweni esingcono sokusebenzisa amathuba ebhizinisi avela ngokungalindelekile. Kungenzeka ukuthi kube nezikhathi lapho ungakwazanga ukuvula izikhundla ngoba untula imali edingekayo yokuxhasa ukuthengiselana.
Izinzuzo zokusebenzisa leli qhinga
Akungabazeki ukuthi ukugcina imali eningi ku-akhawunti yakho yokonga kuzokulethela izinzuzo ezingaphezu kweyodwa kusukela manje kuqhubeke. Isenzo esisodwa esingaba yinzuzo kakhulu ezithakazelweni zakho njengomtshalizimali omncane noma ophakathi ukusebenzisa amathuluzi okuhlaziya ubuchwepheshe . Ngoba, empeleni, ukuhlaziya ukuphakama nokwehla kwamasonto onke kuzokuvumela ukuthi uthole isignali efanele mayelana nokuthambekela kwamanani esitoko. Ngale ndlela, lapho ukuphakama kwamasonto onke kukhuphuka, kungaba isignali eqondile yokuqala izikhundla zokuthenga, kungakhathaliseki ukuthi amasheya ezinkampani ezisohlwini angabonisa ukwazisa okungakanani.
Ngaphezu kwalokho, kuzokunikeza ithuba elengeziwe lokubeka imigomo enengqondo neqondakalayo lapho uthatha izikhundla, kungakhathaliseki ukuthi isikhathi osifunayo siyini. Ungaqoqa izikhundla kancane kancane njengoba ukuthambekela okukhuphukayo kuqina ngokuhamba kwesikhathi, ngaphandle kwengcindezi evela kuwe, njengoba uzongena emakethe yamasheya izikhathi ezimbalwa kuphela ngonyaka, futhi kuphela ngenxa yokuhweba okukunikeza ukuzethemba okukhulu emphumeleni wabo wokugcina. Lokhu kungaba nzima kakhulu uma uhweba ngamasheya njalo.
Sika ezindlekweni zokutshala imali
Ukwehla kwenani lokuhweba ezimakethe zamasheya kuzoholela ekongeni imali okufanele uyikhokhe kusukela manje kuqhubeke. Kulokhu, khumbula ukuthi uma imali oyitshalayo inkulu—naphezu kwemali ekhuphukile—kulapho umthelela uzoba mncane khona ebhalansini yakho yamanje ye-akhawunti. Lokhu kuphambene nezindleko eziphakeme ezihambisana nokwenza ukuthengiselana okuningi okuncane. Okufanayo kusebenza nakwezinye izindleko ezihlobene nokuphatha izibambiso, njengezimali zokugcina nokugcina, yize lezi zingezona ezidinga kakhulu kuzo zonke.
Kufanele wazi ukuthi uma uhlanganisa zonke lezi zimali, zingamela kufika ku-1% wemali yakho oyitshalile . Lokhu kunciphisa inzuzo engaba khona ongayithola kunoma yikuphi ukuthengiselana kwemakethe yesitoko. Lokhu kungaphezu kwemiphumela yentela okuzodingeka uyicabangele ekubuyiselweni kwentela okulandelayo, kokubili maqondana nenzuzo yenhlokodolobha kanye nezabelo ezitholwe njengengxenye yomholo wabanikazi bamasheya. Ngokusobala, kuzohlala kunenzuzo enkulu ukwenza ukuthengiselana okumbalwa kunokuningi, noma ngabe kuncane. Lokhu kuzokwenza ukuthi ukwazi ukonga imali eningi ngama-equities.
Esinye isici okufanele usicabangele sihlobene nesitatimende semali engenayo. Ngomqondo wokuthi uma ukhetha ukusebenza kwesitoko okumbalwa uzohlala unenzuzo enkulu. Noma uqaphela kakhulu ngalesi sici, ngoba ngengxabano efanayo amazinga wokulahleka angaba mkhulu kakhulu. Ukufika ezingeni lokuthi ungashiya imali eningi ezimakethe zezezimali.
Ukuze ugweme lesi simo, ngeke ube nakukhetha ngaphandle kokuqapha kakhulu ukunyakaza kwesitoko sakho. Lapho nje kunophawu oluncane lobuthakathaka, kuzodingeka uphumule, noma kancane noma ngokuphelele, izikhundla zakho zezabelo. Lokhu kungenziwa ngokuqapha okujwayelekile noma ngokusebenzisa ama-oda okulahlekelwa yimali . Lokhu kuzokusiza ukufeza imigomo yakho kalula kunangaphambili. Kuyisici esibaluleke kakhulu esidala lolu hlobo lwemisebenzi ehlukile ngenxa yezici zayo ezithile.