Kunezindlela eziningi zokutshala imali, kodwa enye ebaluleke kakhulu yilena eyenzelwe isikhathi eside sokutshala imali. Lo mzila wokutshala imali ufaneleka kakhulu kubatshalizimali abanephrofayili yokulondoloza noma yokuzivikela , ebavumela ukuthi bakhulise ingcebo yabo ngaphandle kwemingcele yesikhathi. Ngesikhathi esifanayo, bangakhohlwa ngokutshala imali kwabo isikhathi eside, kuze kube yilapho kwezinye izimo kuba ngisho nokutshalwa kwezimali okuzuzwa njengefa , okudluliselwe kubazali kuya ezinganeni ngaphandle kokushintsha iphothifoliyo yokutshala imali.
Uma kuxoxwa ngokutshalwa kwezimali kwesikhathi eside, isici sokuqala okufanele sicaciswe yisikhathi esicatshangelwayo. Akukho pharamitha eqondile, kodwa ukubamba isikhathi esingaphezu kweminyaka emithathu kuya kwemihlanu ngokuvamile kungabhekwa njengesikhathi eside. Lezi zikhundla zivame ukugcinwa ngokwesimo, ngaphandle kwanoma yiziphi izinguquko . Kunoma ikuphi, lolu hlobo lokutshalwa kwezimali luqhele kakhulu ekuhwebeni okuqagelayo. Futhi akubona bonke abatshalizimali abancane nabaphakathi abazimisele ukwenza amabhizinisi anjalo.
Yiqiniso, phakathi nalezi zikhathi zokubamba, amasheya athile angase athengiswe kakhulu e-stock exchange. Lokhu kuyiqiniso ikakhulukazi kulawo abonisa ukuzinza okukhulu kwentengo , anokuguquguquka okuncane futhi ngokuvamile angabonakaliswa ukwehla okukhulu noma ukwehla kwenani. Nokho, akuwona wonke ama-industry abelana ngalesi sici. Amasheya avikelayo afaneleka kakhulu ezikhundleni zokuvula manje.
Isikhathi eside: inkokhelo yesabelo
Ngokungangabazeki, esinye isici esichazayo salezi zitoko ukuthi iningi lazo likhokha izinzuzo kubanikazi bamasheya bazo. Zinikeza imbuyiselo yonyaka eqinisekisiwe neqinisekisiwe engama-5%, futhi zimelelwe yizinkampani zamabhange nezamandla ezibhalwe ku-Ibex-35. Lesi sivuno siphezulu kunaleso esinikezwa eminye imikhiqizo yasebhange (idiphozithi zesikhathi esinqunyiwe, amanothi esithembiso, noma ama-akhawunti okonga anezinzuzo eziphezulu). Eqinisweni, abalamuli abaningi bezezimali bakhetha lezi zitoko lapho isikhathi sokutshala imali singesesikhathi eside.
Esinye sezizathu zokukhetha leli qhinga eliyingqayizivele ukuthi uzoba nemali engenayo eqinisekisiwe kusukela ngaleso sikhathi kuqhubeke, kungakhathaliseki ukuthi amasheya asebenza kanjani ezimakethe zamasheya. Uzoba nemali eningi ebhange lakho ukuze ukhokhele izindleko zakho zansuku zonke, futhi ubhekane nezindleko ezingalindelekile ezingafakwanga kusabelomali sakho somndeni noma somuntu siqu. Qiniseka ukuthi ungasigcina lesi simo iminyaka eminingi, isikhathi eside kunalokho obukucabanga ekuqaleni, ikakhulukazi ngokusekelwa yimali engenayo evamile.
Izinzuzo zalokhu kusebenza
Kuneminikelo eminingi ezokwenziwa yimisebenzi yesikhathi eside emakethe yamasheya. Ngakho-ke, kulula ukuthi ubazi uma kwenzeka ezinsukwini ezimbalwa ezizayo uzokwenza umsebenzi ngokulingana kwalezi zici. Okunye okuhambisana kakhulu yilokhu okulandelayo esikudalula ngakho ngezansi.
- Ezikhathini ezinde kangako kunzima kakhulu kuwe ukulahlekelwa yimali ekusebenzeni ngakunye kwalobu bunye.
- Izokuvumela ukuthi ube inqanyuliwe ezimakethe zezimali isikhathi eside, ngaphandle kwengcindezi yokutshalwa kwemali emakethe yamasheya okuzodinga ukuthi uqaphele cishe nsuku zonke.
- Iyagcina amakhomishana Kuzoba ezinye zezici ozohlomula ngazo kulezi zikhathi zokuhlala ezinde.
- Ekupheleni kosuku ungahlala njalo khulula imali yakho nganoma yisiphi isikhathi futhi uguqule isu lakho lokutshala imali. Ubhekene nesidingo somuntu siqu noma ukubhekana nezindleko ezingalindelekile.
Hlaziya izidingo zakho zangempela
Ngakolunye uhlangothi, akufanele ukhohlwe ukuhlaziya amathuba akho okutshala imali. Kuye ngalokhu, ukutshala imali isikhathi eside kungaba yisisombululo esingcono kakhulu sokuvikela izintshisekelo zakho. Ukuze lokhu kusebenze, kubalulekile ukuthi ungayidingi imali oyitshala eminyakeni ezayo . Ngakho-ke, uzodinga imali engenayo ezinzile ukuze umboze zonke izindleko zomndeni wakho. Lokhu kuzokuvimbela nokuthi ungenzi isinqumo sokutshala imali esingaphelele uma uhlangabezana nesidingo esiphuthumayo sezimali zakho.
Kubaluleke kakhulu futhi ukuthi ungasheshi ukwenza imali yakho ikhule ngokushesha. Kunalokho, umgomo wakho oyinhloko kufanele kube ukwakha isikhwama sokulondoloza esizinzile seminyaka ezayo, noma ngabe usukhulile, njengesengezo somhlalaphansi wakho. Ngale ndlela, ungajabulela impilo esezingeni eliphezulu kakhulu eminyakeni yakho yegolide. Akuyona into engaqondakali ukuthi esinye sezici zokutshalwa kwezimali kwesikhathi eside ukuthi aziklanyelwe abasebenzisi abakhuthele kakhulu ezimakethe zezimali. Okuphambene nalokho, empeleni; zihloselwe indlela yendabuko yokuthola imali.
Amanani ahambisana kakhulu nale migomo
Njengoba ungase uqagele, akuzona zonke izitoko ezizofanelekela lolu hlobo lwesu lokukhulisa imali yakho yokonga. Labo abanokuguquguquka okuncane kwentengo banconywa kakhulu. Okusho ukuthi, labo abanokuguquguquka kwentengo okuhlala ngaphakathi kwemingcele emincane kakhulu. Ngokuqinisekile ngeke bakwenze isicebi, kodwa okungenani bazokunikeza ukuphepha okukhulu kakhulu ngokumelene nezimanga ezingathandeki entengo yabo kusukela manje kuya phambili. Bahlukaniswa ngokubeka phambili ukuphepha kunezindlela ezinolaka kakhulu.
Ngaphezu kwalokho, lokhu kutshalwa kwezimali kwaziwa ngokuthi "izimali zokonga" ngoba kubonisa ukwehla okuqhubekayo minyaka yonke. Nakuba amaphesenti engemangalisi kangako, phakathi kuka-1% no-3% , asadlula inzalo enikezwa yimikhiqizo yasebhange yendabuko (idiphozithi yesikhathi esinqunyiwe, amabhondi ezinkampani, noma ama-akhawunti okonga anezinzuzo eziphezulu), okungavami ukudlula imbuyiselo engaba ngu-1%. Akumangalisi ukuthi lokhu kutshalwa kwezimali akubanga yinkinga enkulu lapho kutshalwa imali, njengoba kufaneleka kahle isikhathi eside sokutshalwa kwezimali.
Thuthukisa izindleko zempilo
Enye inhloso yokutshalwa kwezimali kwesikhathi eside ukwenza kahle kakhulu kunokwehla kwamandla emali unyaka nonyaka. Ngamanye amazwi, ufuna ukuvimbela inani lemali yakho ukuthi lingakhuli unyaka nonyaka ngenxa yokwenyuka kwe- Consumer Price Index (CPI ). Kulokhu, kubalulekile ukukhumbula ukuthi i-CPI okwamanje iku-1,2%, ngokusho kwedatha yakamuva evela kwi-National Institute of Statistics (INE). Ngakho-ke, kuzodingeka udlule njalo lawa margins enzuzo esikhathini eside ukuze ugweme ukulahlekelwa amandla okuthenga. Ngenxa yalokho, uzodinga imbuyiselo engaphezu kuka-1,50% ukuze ufeze lo mgomo.
Akumangazi ukuthi ngeke ukwazi ukufeza imigomo oyifunayo ngemikhiqizo yasebhange yendabuko. Ngeke ube nakukhetha ngaphandle kokuphendukela emakethe yamasheya. Nakuba kuyiqiniso ukuthi uzobe uthatha ingozi enkulu kakhulu kunangaphambili. Lena yintengo okuzodingeka uyikhokhe ukuze leli cebo liphumelele ekugcineni. Futhi ungakhohlwa isisho phakathi kwabatshalizimali abaningi abancane nabaphakathi ukuthi kunzima kakhulu ukulahlekelwa yimali emakethe yamasheya ngokuhamba kwesikhathi . Ngoba, phela, kuyimpahla yezezimali evame ukuqashelwa kulezi zikhathi ezinde zokubamba.
Okubi kwalokhu kusebenza
Ngakolunye uhlangothi, ukutshala imali isikhathi eside nakho kunezinkinga ezithile. Phakathi kwazo kukhona umkhawulo omkhulu emasu akho okutshala imali. Ukuguquguquka kokwenza izinguquko emabhizinisini kuzoba ngaphansi kakhulu kunemisebenzi yesikhathi esifushane noma esimaphakathi. Ngaphezu kwalokho, kukuvimbela ekujabuleleni imbuyiselo minyaka yonke. Esikhundleni salokho, ngeke ube nakukhetha ngaphandle kokulinda iminyaka engu-4, 5, 6, noma ngisho ne-10 ukuze ufinyelele ekutshalweni kwakho, kungakhathaliseki ukuthi intengo yesitoko isebenza kanjani.
Ngakolunye uhlangothi, lolu hlobo lokutshalwa kwezimali luzodinga ukukhethwa ngokucophelela kwezibambiso ezinikezwa yizimakethe zamasheya, kokubili zasekhaya nezamazwe ngamazwe. Akuzona zonke ezifanele lawa maqhinga achazwe kahle. Kubalulekile futhi ukucabangela ukuthi lokhu kutshalwa kwezimali ngeke kudale noma yiziphi izinzuzo zezimali ezisheshayo esikhathini esifushane noma eside. Kunalokho, kuzodingeka ube nesineke njengoba ukutshalwa kwezimali kuqhubeka. Khumbula lokhu ukuze ugweme ukwenza iphutha ongase uzisole ngalo eminyakeni embalwa ngemuva kokuthatha lesi sikhundla.
Ekugcineni, awukwazi ukukhohlwa ukuthi lokhu kutshalwa kwemali kungadala inkinga yokwehla kwemali kwesinye isikhathi noma kwenye. Lapho ungeke ube nokuzikhethela ngaphandle kokwenza ukuthengisa okuyingxenye ukulungisa inkinga. Futhi kungaba ngentengo yokuthengisa okungeyona leyo ezokwanelisa kangcono ngalezo zikhathi. Kufika ezingeni lokuthi ungalahlekelwa yimali ekusebenzeni.