Enye yezindlela zokushintsha ukutshalwa kwezimali kwakho ngokusebenzisa ukutshalwa kwezimali kwesikhathi eside. Kodwa-ke, umbuzo ovame ukubuzwa ukuthi kusho ukuthini ngalesi sikhathi sokubamba. Ngokuvamile, ukutshalwa kwezimali kungabhekwa njengesikhathi eside uma izikhundla zihloselwe okungenani iminyaka emibili noma emithathu . Kodwa akukho mkhawulo mayelana nezinsuku zokuvuthwa, njengoba ungakhetha noma yisiphi isikhathi. Ungabamba ngisho nokutshalwa kwezimali unomphela njengendlela yokwakha isikhwama sokonga somhlalaphansi wakho.
Lezi zinhlobo zokutshalwa kwezimali zenzelwe iqembu elithile labasebenzisi. Bangabantu abanephrofayili yokuzivikela kakhulu, bebeka ukuphepha phambili kunengozi . Lokhu kuhambisana nengxenye enkulu yabatshalizimali asebekhulile abafisa ukukhulisa imali yabo ngokutshalwa kwezimali zamasheya. Kunoma ikuphi, akuhloselwe imisebenzi yokuqagela noma leyo edinga ukuguquguquka okukhulu eku-odeni ama-oda okuthenga nokuthengisa ezimakethe zezimali. Ngempela, lokhu kungenye yezici zayo ezichazayo.
Ukutshalwa kwezimali kwesikhathi eside akudingi lutho olukhethekile , ngokungafani nokutshalwa kwezimali kwesikhathi esifushane. Yingakho nje kufinyeleleka kuzo zonke izinhlobo zabatshalizimali abancane nabaphakathi. Wonke umuntu angatshala imali kulezi zikhathi ezinde, efuna ukukhulisa inzuzo yakhe. Ngaphezu kwalokho, isikhathi eside sokutshalwa kwezimali sivumela inzuzo ekhangayo kakhulu ekongeni kunokutshalwa kwezimali kwesikhathi esifushane noma ngisho nesikhathi esiphakathi.
Isikhathi eside, kungani ukhetha?
Esinye sezizathu ezibaluleke kakhulu zokukhetha le modeli yokutshala imali ukuphepha okukhulu ekunikezayo. Unesikhathi esidingekayo sokubuyisela izikhundla zakho uma, nganoma yisiphi isizathu, imakethe yamasheya ingasebenzi njengoba bekulindelekile ekuqaleni. Lesi sici esibalulekile sisho ukuthi ngeke uzizwe ucindezelwe ukuhlangabezana nezinsuku zokugcina . Kunalokho, ungabonisa isineke esikhulu kunakwezinye izimo. Kuyindlela ekhululekile yokutshala imali yakho.
Le misebenzi ichazwa futhi yiqiniso lokuthi ungalungisa izikhundla zakho njengoba ubona kufanele phakathi nesikhathi sazo. Lokhu kusho ukuthi ungenza ukuthengwa okusha noma ukuthengisa okuyingxenye noma okuphelele . Inhloso icacile kakhulu: ukuzivumelanisa nezimo ezishintshayo emakethe yamasheya, kokubili phezulu naphansi, ukuze ukwazi ukwandisa imbuyiselo yakho uma unquma ukuvala izikhundla zakho.
Usonhlamvukazi wale misebenzi
Omunye umbuzo okufanele uwucabangele yinani okufanele ulibeke ekuthengeni amasheya. Kulokhu, azikho umehluko omkhulu uma kuqhathaniswa nokutshalwa kwezimali kwesikhathi esifushane nesiphakathi. Kodwa-ke, kunephuzu elilodwa elibaluleke kakhulu okufanele ulicabangele, futhi lihlobene nokuhlela. Lokhu kubhekisela esibophweni sakho sokubikezela izindleko ozobhekana nazo eminyakeni ezayo. Lokhu kufaka phakathi intela, imali yesikole yezingane, izikweletu zasekhaya, kanye nesabelomali sohambo lwamaholide.
Kulesi simo, inani ozodinga ukulifaka kulezi zimali liguquguquka kakhulu. Ngokuya ngokulondolozwa okunqwabelene kanye nesabelomali osabele iminyaka embalwa ezayo. Kunoma ikuphi, awunakukhetha ngaphandle kokushiya imali ethile noma okwanele kwi-akhawunti yakho yokuhlola. Ukuze usebenze lapho ubhekene nanoma yini engase ikwehlele kusuka manje. Kunoma ikuphi, lesi yisinqumo somuntu siqu okufanele usicabange ngokuzola okuthile. Kepha ngaphezu kwakho konke ngokusebenzisa i-calculator yakho ukukhombisa ukuthi yiliphi inani ongagcina ulabele ukutshala imali emakethe yamasheya.
Yiziphi izindinganiso ezihamba phambili?
Lesi esinye isici esithakazelisa kakhulu abatshalizimali besikhathi eside. Ngoba akuzona zonke izitoko ezifanele. Kude kakhulu, njengoba ungacabanga. Kuze kube seqophelweni lokuthi kumele zibe izitoko ezinezimpawu ezichazwe ngokucacile . Kuzoba kubaluleke kakhulu ukuthi zingabi nokuguquguquka kwentengo okuphezulu. Ngokuphambene nalokho, kufanele zibonise umehluko omncane phakathi kwamanani azo aphezulu naphansi kakhulu. Ngale ndlela, ngeke uthole isimanga esingathandeki ngempela esingabangela ukuthi iphothifoliyo yakho yokutshala imali yehle.
Uma ususebenzise lezi zihlungi ezibalulekile zokukhetha, isinyathelo esilandelayo ukuthola amathuba emakethe azinzile. Lokhu kuzokubeka esimweni esihle kakhulu sokuthola imbuyiselo eqhubekayo unyaka nonyaka. Vele, ungalindeli inzuzo enkulu ngamaphesenti. Ngenxa yalokho, kunezinye izimali ezisebenza kangcono ngezikhathi ezimfushane zokubamba. Uzozuza futhi ekutshalweni kwezimali okuguquguqukayo okunokwethenjelwa kwezimakethe zezimali.
Isinqumo esihle kungaba ukukhetha abameleli bomkhakha kagesi . Banikeza ukuphepha okukhulu kuneminye imikhakha ebaluleke ngokulinganayo. Ngaphezu kwalokho, bafaneleka kakhulu kulolu hlobo lokutshalwa kwezimali. Nakuba kungafanele ulindele imbuyiselo emangalisayo, bangakusiza ukwakha iphothifoliyo yokonga enamandla iminyaka emithathu, emine, noma emihlanu. Esinye isigaba samasheya esingaba wusizo kakhulu kuleli cebo lokutshalwa kwezimali umkhakha wokudla. Sisebenza kangcono ngisho nasezimweni ezimbi kakhulu zamasheya, kokubili ezimakethe zezimali zasekhaya nakwamanye amazwe.
Isivuno sesabelo esiphakeme
Uma ukhetha le phothifoliyo, akufanele futhi ukhohlwe ukufaka amasheya anezinzuzo ezinhle kakhulu zezabelo. Ngale ndlela, ungaqinisekisa imbuyiselo eqondile neqinisekisiwe efika ku-8% njalo ngonyaka . Lokhu kunenzuzo enkulu kunemikhiqizo yasebhange (idiphozithi zesikhathi, iphepha lezentengiselwano, noma amabhondi ezinkampani), okwamanje angakhiqizi ngaphezu kuka-1,5%. Leli isu eliwusizo kakhulu lokuqinisekisa ukuthi ukhona ugesi njalo ngonyaka ngaphandle kokudebeselela amasheya.
Unenzuzo enkulu yokuba nezinketho eziningi ongakhetha kuzo, kuzo zonke izinhlaka futhi ezinezici eziningi. Lokhu kukuvumela ukuthi wenze isinqumo esiphumelela kakhulu sokuvikela izintshisekelo zakho njengomtshalizimali omncane noma ophakathi nendawo, kungakhathaliseki ukuthi amasheya asebenza kanjani ezimakethe zezimali. Ngoba, empeleni, uzoba nezindlela ezimbili zokwandisa imali yakho kusukela manje kuya phambili, ikakhulukazi uma izimali zakho ziqondiswe kulezo zindawo zesikhathi eside, ngisho nangomhlalaphansi.
Yimaphi amasu ongawasebenzisa?
Kunoma ikuphi, unezinketho eziningana zokutshala imali isikhathi eside. Enye iwukuvumela izinzuzo ziqongelelene, okufana nalokho okwenzekayo ngokutshalwa kwezimali okubizwa ngokuthi "ukonga" noma "imali", lapho inani likhula kancane kancane ngaphandle kwezinguquko ezibalulekile. Elinye isu ongalisebenzisa kulolu hlobo lokutshalwa kwezimali ukubeka usuku lokuvuthwa , noma ngabe luyini, futhi ungakhathazeki ngokuthi yini engase yenzeke esikhundleni sakho se-equity. Kodwa-ke, ukuze lokhu kusebenze, ngeke ube nakukhetha ngaphandle kokukhetha ukutshalwa kwezimali okuzinzile kakhulu.
Ngakolunye uhlangothi, kubalulekile futhi ukufaka amasheya avikela kakhulu isu lakho lokuhweba. Akwenzeki ukuthi abangele izimanga eziningi , futhi uzoba nethuba elihle lokuthola inzuzo yakho ngokuvuthwa. Lezi yizinkampani ezibonakala ngokunyakaza kwentengo okufushane kakhulu cishe kuzo zonke izikhathi zokuhweba. Ngokuvamile ziyizinkampani ezincane neziphakathi nendawo. Ngeke neze uzithole phakathi kwama-blue chips noma ngisho namasheya avelele kakhulu ku-stock exchange kazwelonke noma yamazwe ngamazwe.
Enye inzuzo enikezwa yizimakethe zezimali yikhono lokuhlukanisa izikhundla zakho zemakethe yamasheya. Lokhu kungafezwa ngokuzihlanganisa nezinye izimpahla zezimali zezinhlobo ezahlukene, okuhlanganisa izinsimbi eziyigugu, izimpahla, nezinye izindlela ezingavamile. Ingozi iphakeme kakhulu, kodwa ngokubuyisela, ungase wandise imbuyiselo emalini oyitshalile. Kunoma ikuphi, kufanele ugcine ukulawula okuseduze izikhundla zakho ukuze uvimbele noma yiziphi izimo ezingathandeki.
Ngoba, empeleni, ungabeka ingxenye yemali yakho ekutshalweni kwezimali kwesikhathi eside kanti okusele kukho ongakhetha kukho okuguquguqukayo, hhayi okuhlobene namasheya. Ngokuphambene nalokho, ungakhetha amanye amamodeli ahlukile. Leli isu lokutshala imali elikhethekile kakhulu elihlanganisa amamodeli ahlukahlukene okuphatha, ngezilinganiso ezichazwe yizinsiza zakho zezimali kanye nephrofayili yakho njengomtshalizimali omncane nganoma yisiphi isikhathi. Ngale ndlela, ungandisa imigomo yakho yokutshala imali ngaphandle kokudebeselela ukutshalwa kwezimali kwesikhathi eside. Kunoma ikuphi, kuzoba enye yezindlela zokuqala ongakhetha kuzo kusukela manje kuqhubeke.