Enye yezinzuzo zokutshala imali ukuthi kungenziwa ngamasu ahlukene, kusukela kwendabuko kakhulu kuya kwasekuqaleni kakhulu namasu amasha, okungamangaza abasebenzisi abangaphezu koyedwa. Kodwa ngokuqinisekile enye ekhanga kakhulu ukutshala imali ngokugxila emvelweni. Ngaphezu kwalokho, kungadluliselwa ngemikhiqizo ehlukahlukene yezezimali , kungagcini ekuthengeni nasekuthengiseni amasheya esitokweni. Kunoma ikuphi, kuyindlela ehlukile etholakalayo yokwenza imali yakho ikhule kusukela manje kuya phambili.
Esinye sezici ezikhangayo zalolu hlobo lokutshalwa kwezimali ukuthi ungasiza ngisho nemvelo ngeminikelo yakho yezezimali. Kangangoba imikhiqizo yezezimali enalezi zici iya ngokuya ivame kakhulu. Kuzo zonke izindlela, njengoba uzobona kusukela manje kuqhubeke. Ngoba i-ecology isibe yimpahla yezezimali engaba nenzuzo enkulu. Ngaphezu kwalokho, ifaneleka kakhulu ezimweni ezithile ezingase zivele ezimakethe zezimali.
Izinketho zokutshala imali yakho ku-ecology zihlanganisa amathuba amaningi . Kusukela ekutshalweni kwezimali emakethe yamasheya yakudala kuya kumafomethi athile , njengediphozithi yesikhathi esinqunyiwe, futhi ngaphezu kwakho konke, izimali zokutshala imali, kuvuleka indlela entsha yokuthi uvumelanise umhlaba wokutshala imali nendlela yakho yokuphila. Ukuze sikusize ufeze lezi zinhloso ozifisayo, sizokunikeza ezinye zeziphakamiso ezitholakala ezimakethe zezimali ezahlukene. Siyaqiniseka ukuthi esinye sazo sizokukhanga.
Imvelo esikhwameni
Njengoba bekulindelekile, ukucatshangelwa kwezemvelo kukhona nasezimakethe zamasheya, nakuba kuvunyelwene ukuthi kungokombono omncane kakhulu uma kuqhathaniswa neminye imikhakha. Lokhu kumelelwe kakhulu yizinkampani zamandla avuselelekayo, ezinikeza izinketho ezahlukene kokubili emakethe yamasheya yasekhaya kanye nasezimakethe ezahlukene zomhlaba wonke. Iningi lalezi zinkampani livela ezinhlanganweni zikagesi ezifuna ukuzivumelanisa nalezi zinhlobo zebhizinisi, futhi zithole ukwamukelwa okukhulu phakathi kwabatshalizimali abancane nabaphakathi.
Lezi zitoko zinikeza inani elengeziwe, okwenza zingase zikhange kakhulu kubatshalizimali bazo zonke izinhlobo, kusukela kwabanolaka kakhulu kuya kulabo abafuna indlela yokulondoloza. Njengamanje, imbuyiselo ayiphezulu kakhulu; ngokuphambene nalokho, isebenza ngaphakathi kwemingcele evamile. Enye yezinkampani ezitshale imali eningi kakhulu emandleni avuselelekayo yi- Iberdrola , umholi ekusetshenzisweni kwalo mthombo wamandla omusha.
Imikhiqizo yezemvelo e-USA
Enye indlela ukuwela ulwandle bese ubheka emakethe yamasheya yase-US. Ngempela, le makethe yezezimali ebalulekile ihlanganisa izinkampani ezixhumene kakhulu nomkhakha wezemvelo, ikakhulukazi lezo ezigxile emikhiqizweni yokudla enikeza lesi sici esiyingqayizivele. Lokhu kungathuthukisa imbuyiselo yokutshalwa kwezimali, yize ukuthengiselana okunjalo cishe kuzoholela ekukhuleni okukhulu kwezimali ezikhokhiswa yizikhungo zezimali.
Uma ungumuntu okhathalela ezemvelo, akungabazeki ukuthi le makethe yamasheya inikeza amathuba amakhulu okuthuthukisa imbuyiselo yokonga kwakho, ngisho nokutshalwa kwezimali okuhlobene kakhulu nobuchwepheshe obusha. Ngakolunye uhlangothi, inkinga yayo enkulu ukuthi lawa masheya awaziwa kangako, okwenza kube nzima ukuhlonza ngokucacile izinkampani ezisebenzise le ndlela yebhizinisi eyingqayizivele. Lawa masheya akhona nasezimakethe zaseYurophu, kodwa ngaphandle kwamandla afanayo nawasezimakethe zaseMelika.
Izimali ezikhethekile zokutshala imali
Kunoma ikuphi, umkhiqizo omuhle kakhulu obonisa lo mkhuba yizimali zokutshalwa kwezimali ezihlukile. Kuyindlela elula yokuzibeka kulo mkhakha omusha. Ezimweni eziningi, lokhu kwenziwa ngezinkampani ezisekela izinqubomgomo zemvelo, kodwa futhi nangempahla yezezimali esekelwe emithonjeni yamandla ehlanzekile nehlanzekile kakhulu , njengamanzi noma amandla omoya. Lena inketho evame kakhulu phakathi kwabatshalizimali abancane nabaphakathi abafuna ukusungula ngokucacile ukuba khona emkhakheni wezemvelo.
Ukuthi nje ziyizimali ezinobungani nemvelo akusho ukuthi zinenzuzo kakhulu kunezinye izimali. Kunalokho, kuhlobene nendlela izimpahla zezimali ezisebenza ngayo ezimakethe. Kulokhu, kufanelekile ukukhumbula ukuthi ngonyaka odlule imbuyiselo emaphakathi yalezi zimali zokutshalwa kwezimali isondele ku-8% . Nakuba zingabonisi njalo amaphesenti afanayo, njengoba ungaqonda. Kunoma ikuphi, kuyindlela ethakazelisayo kakhulu yokutshala imali ekutshalweni kwezimali ezinobungani nemvelo ngaphandle kwezinkinga eziningi futhi ngendlela elula.
Izimali zokutshala izimali zalezi zici zinikezwa ngabaphathi ababaluleke kakhulu emakethe. Ngamamodeli ahlanganisa nokutshalwa kwezimali nezinye izimpahla zezezimali. Ngokuvamile kusuka kumasheya kanye nemali engenayo engaguquki. Ukuze ngale ndlela, usesimweni esihle kakhulu ukwehlukanisa izimpahla ezitshaliwe. Idizayinelwe ngokukhethekile ukuze ukwazi ukuzivumelanisa nazo zonke izinhlobo zezimo, kufaka phakathi okungathandeki kakhulu ezimakethe zezezimali.
Izintela ezixhunywe kulo mkhakha
Unezinketho eziningi zokuxhumanisa ukonga nomthwalo wemfanelo wezemvelo. Enye yezinto ezivame kakhulu ukufakwa kwemali yesikhathi esinqunyiwe, kodwa kulokhu, kuxhunywe kule mpahla yezezimali eyingqayizivele. Leli isu lokuthuthukisa imbuyiselo ephansi le mikhiqizo enikezayo njengamanje, okukuvumela ukuthi uthole imali engaphezu kuka-1% eminikelweni yakho ngalezi zindlela zokonga. Ngaphezu kwalokho, ingozi izoba ngaphansi kakhulu kuneminye imikhiqizo yezezimali , ngokuvamile exhunywe emasheya.
Kunoma ikuphi, uzothola imbuyiselo ehleliwe njalo ngonyaka. Kunezinkathi ezahlukene zokubamba, kusukela ezinyangeni eziyi-12 kuya ku-48. Kodwa-ke, awukwazi ukukhansela idiphozithi ngaphandle kokuthola imali enkulu engaba ngu-2% wenani elifakiwe. Ukuphepha kuyisici esibalulekile salo mkhiqizo wemali engenayo ehleliwe, ofanele zonke izinhlobo zokonga. Kukhanga kakhulu labo abanephrofayili elondolozayo, bebeka phambili ukuzinza kokonga kwabo kunamasu okutshala imali anamandla. Ungavula lawa madiphozithi ngamanani amancane kakhulu, aqala ku-€3.000, okwenza atholakale kalula kwisabelomali semindeni eminingi.
Ngezimali ezihwebelana ngokushintshaniswa
Ama-ETF aphinde anikeze ithuba lokwanelisa lesi sidingo esivela kubatshalizimali abancane nabaphakathi. Kodwa-ke, athatha indlela enolaka kakhulu, njengoba lo mkhiqizo uyinhlanganisela phakathi kwezimali zokutshala imali zendabuko kanye nokuthenga nokuthengisa amasheya . Lokhu kusho ukuthi izinzuzo zingaba ziphakeme kunezinye izindlela esikubonisile zona. Kunoma ikuphi, kudingeka ukuqonda okukhulu ngenxa yobunzima balo modeli yokonga. Ngoba, ngakolunye uhlangothi, ungalahlekelwa yimali eningi endleleni.
Njengezimali zokutshalwa kwezimali, lezi zindlela zivame ukutshala imali ekongeni imithombo yamandla eluhlaza kakhulu. Kodwa-ke, eminyakeni yamuva nje, wonke amamodeli okutshalwa kwezimali ahlobene namandla avuselelekayo nawo abelokhu ethandwa kakhulu. Enye yezinzuzo zalezi zimali ezihwebelana ngokushintshisana (ama-ETF) ukufaneleka kwazo cishe kunoma yikuphi ukutshalwa kwezimali . Ngaphezu kwalokho, zinikeza izimali zokuncintisana kakhulu kunalezo ezikhokhiswa izimakethe zamasheya. Noma kunjalo, ziwumkhiqizo wezezimali oyinkimbinkimbi kakhulu kunezinye izinketho.
Imihlahlandlela yokusebenza ne-organic
Uma ukhetha le nketho, kufanele uqonde ukuthi akufanele utshale imali ngoba nje inobungani nemvelo. Ngokuphambene nalokho, isinqumo sakho kufanele sisekelwe ezimisweni zenzuzo eziqondile. Ngaphezu kwalokho, okuqukethwe kwabo akuqinisekisi imbuyiselo ephezulu noma ephansi . Kunalokho, lezi mbuyiselo zinqunywa uchungechunge lwezinye izinto eziguquguqukayo ezihlobene nokusebenza kwezimakethe zezimali. Lezi zimakethe kunzima kakhulu ukuzilandela, njengoba zivela ezimakethe ezihlukile ngokuvamile ezingatholi ukusakazwa kwabezindaba.
Esinye isici okufanele usicabangele yileso esibhekisa ethubeni lokutshala imali. Ngoba empeleni, akukhona ukutshalwa kwezimali kwesikhashana, kepha kunalokho, kungasetshenziselwa noma yisiphi isimo ezimakethe zezezimali. Kokubili kukhulu futhi kungathandeki kakhulu kuzintshisekelo zakho njengomtshali-zimali omncane naphakathi.
Akumangazi ukuthi ezimweni eziningi kuzoncika ekusebenzeni kwangempela kwalezi zimpahla zezimali. Kuze kube seqophelweni lokuthi uzoba nenkinga enkulu yokulandelela eduze izikhundla ezivulekile kunoma yiziphi zalezi zinketho. Kubalulekile futhi ukwazi ukuthi izinketho ezinikezwa yizimakethe zomhlaba wonke zibanzi kunezo ezingaphakathi kwezwe lethu. Ekugcineni, kunezinketho eziningi okufanele uzenze uma uzotshala ingxenye yengcebo yakho ku-ecology.