Akungabazeki ukuthi isizathu esiyinhloko sokutshala imali yakho emalini egciniwe ukufuna imbuyiselo ephezulu. Lokhu kusobala futhi akunakuphikwa. Kodwa-ke, esinye sezibopho zakho ukuvikela ngendlela efanele imali yakho egciniwe . Lokhu kujwayelekile futhi kunengqondo lapho usebenza nezimakethe zezimali, lapho kubalulekile khona ukufuna iziqinisekiso eziphezulu kakhulu zokutshalwa kwezimali zakho. Phela, ubeka imali eningi engcupheni. Ngakho-ke, asikho isikhala sokwenza izinto ngendlela entsha.
Kunezindlela eziningi zokuzivikela emakethe yamasheya, okwenza kube okungaphezu nje kwesifiso. Kuzodingeka uthuthukise uhlelo lokusebenza oluhlanganisa amasu ahlukene ukuze ufeze lezi zinhloso ngempumelelo. Akukhona nje ukuthi unezindlela eziningana ongakhetha kuzo , kodwa futhi zinezinhlobo ezahlukene, njengoba uzobona kulo lonke lesi sihloko. Okuzodingeka ukwenze nje ukuzisebenzisa ngokuzimisela kusukela manje kuqhubeke, hhayi emakethe yamasheya kuphela, kodwa nanganoma iyiphi impahla yezezimali.
Ukuqinisekisa ukuthi ungenza ngeziqinisekiso zezimali ezinhle kakhulu, ngeke ube nakukhetha ngaphandle kokulalela, uma kungezona zonke, iziphakamiso esizozenza. Lokhu kuzokusiza ugweme noma yiziphi izimo ezingathandeki ezingalimaza izintshisekelo zakho, njengoba kungenzeka ukuthi sekwenzekile eminyakeni edlule. Ufuna ukwazi ukuthi ungavikeleka kanjani kangcono kusukela manje kuqhubeke? Bese ulalelisisa, ngoba okuningi kuncike kukho.
Vikela: ukwenzelani?
Ukuze usebenzise lawa masu ezimakethe zamasheya, kufanele uqonde izizathu zokukhetha lolu hlelo oluyingqayizivele lokuvimbela ukutshalwa kwezimali. Isizathu esiyinhloko ukufuna ukuphepha okukhulu kokuthengiselana kwakho. Kodwa-ke, futhi kusebenza njengendlela yokuthuthukisa izikhundla zakho zemakethe yamasheya. Kwezinye izimo ezithile, kungaholela ngisho nasekukhuleni kwenzuzo . Ngakho-ke, akufanele ubukele phansi izinzuzo ezingaba khona zaleli cebo, ozoqala ukulisebenzisa kusukela manje kuqhubeke.
Ngezinga elikhulu, imali yakho izoncika empumelelweni yalezi zinyathelo zokuvimbela. Kungakhathaliseki ukuthi ungumuntu otshala imali omncane noma ophakathi nendawo—olinganiselayo, ogcina imithetho, onolaka, noma okunye, kuye ngezidingo zakho zomuntu siqu nezezezimali—kuzoba umzamo owengeziwe okuzodingeka uwugcine kuzo zonke izinkokhelo zezimali ozenzayo, kanye nazo zonke izikhathi zokutshala imali ozikhethayo: ezimfushane, eziphakathi, noma ezinde. Futhi-ke, kufanele ube nombono ocacile walokho ofuna ukukufeza ngesikhathi sakho ezweni elijabulisayo lezezimali, eliphinde lihilele izingozi eziningi endleleni.
Gwema izindinganiso eziphikisanayo
Umthetho wokuqala womtshali-zimali omuhle nohlakaniphile ukugwema amasheya ashintshashintsha kakhulu ezimakethe zamasheya. Akhona yonke indawo, ecashe emthunzini wezipesheli eziphakanyiswa abanye abalamuli bezezimali. Manje akusona isikhathi sokubhekana nawo. Kuningi ongakulahlekelwa kukho ekuhwebeni kwawo , mhlawumbe okungaphezu kwalokho ongakuzuza, futhi lokhu kuyinto okudingeka uyicabangele ngokucophelela. Phela, nguwe othatha ingozi ngokutshala kwakho imali, ngezinye izikhathi ngokungadingekile futhi mhlawumbe ngaphandle kokwahlulela okunengqondo.
Kusukela kulo mbono wamazwe ngamazwe, enye yezinhloso zakho eziyinhloko ukutshala izimpahla zakho ngokuzimisela okukhulu ekukhetheni izibambiso ezizokwakha iphothifoliyo yakho yokutshalwa kwezimali eyenzelwe wena ngokugcwele kusukela manje kuya phambili. Kufanele ugweme ukugxila ezibalweni eziqagelayo kakhulu ezinokuguquguquka kwentengo okungaphezu kwesilinganiso, lapho umehluko wentengo ungafinyelela ku-10% , noma ngaphezulu kwezinye zezimo ezivelele kakhulu zalolu hlobo lokuphepha.
Musa ukutshala imali kumikhiqizo kanokusho
Esinye isihluthulelo sokuvikela imali yakho kangcono ukugwema imikhiqizo yezezimali enamandla kakhulu, ikakhulukazi uma ulwazi lwakho lungalingani . Zingabangela izinkinga ngezikhathi ezithile ekutshalweni kwakho imali. Akunconywa ukusebenzisa lezi zinhlobo ngokweqile, njengoba kungenzeka ukuthi zikubize imali eningi—okuningi kakhulu kunalokho ongase ukucabange.
Nakuba lezi ziphakamiso zikhanga kakhulu ngenxa yamandla azo okukhula aphezulu, ziyingozi kakhulu ukuzisebenzisa. Kunoma ikuphi, zidinga iminikelo yemali encane kakhulu engeke ithinte ibhalansi iyonke yama-akhawunti akho asebhange. Unezinye izindlela eziphephile nezikuvumela ukuthi uthole imbuyiselo ebalulekile ekongeni kwakho . Kuzoba kuhle ukulandela leli cebo lokutshala imali. Ngaphezu kwalokho, uzogwema ukukhungatheka kwansuku zonke kokwehla kwentengo okungenzeka.
Lokhu ukutshalwa kwezimali okuqagelwayo okumele ukugweme ngazo zonke izindleko uma inhloso yakho yangempela iwukuvikela imithombo yakho eyinhloko yokonga. Khumbula ukuthi ngalezi zinhlobo zokutshalwa kwezimali zamasheya, unokuningi ongakulahlekelwa kukho kunokuzuza. Ungakhohlwa lokhu kusukela manje uma ufuna ukuthengiselana kwakho kugweme ukudumazeka okukhulu, noma ngisho nokulahlekelwa okukhulu kwi-akhawunti yakho yenzuzo nokulahlekelwa.
Yenza inkontileka ngemikhiqizo eyaziwayo
Uma ufuna ukutshala imali ngokuphepha, ngeke ube nakukhetha ngaphandle kokukhetha kakhulu emisebenzini yakho. Futhi iyiphi indlela engcono yokwenza lokho kunokukhetha amamodeli okutshala imali owazi kangcono, noma okungenani lawo ojwayele ukuwasebenzisa? Uma uwazi kangcono, kulapho inzuzo yakho engaba khona izoba nkulu khona ezimakethe zamasheya.
Ukube azange zikhonjiswe kuphrofayela yakho njengomtshali-zimali, kungaba ngcono ukuyeka lo mzamo. Unezinye izindlela eziningi ongakhetha kuzo. Ngeziqinisekiso ezinkulu ekunyakazeni okwenza kube semthethweni. Akumangalisi ukuthi ukusebenza kwayo ngeke kukumangaze kangako kuwe. Unganyakaza ngobubanzi obubanzi bokunyakaza kunokunye.
Sula izimali
Enye yezindlela eziphumelela kakhulu zokuvikela izintshisekelo zakho zokutshala imali ukutshala imali yakho ekongeni ezindleleni ezahlukene zokutshala imali . Akufanele ugxile ekuphepheni okukodwa noma umkhiqizo wezezimali. Esikhundleni salokho, ungahlanganisa imali engenayo engaguquki namasheya , noma usebenzise ezinye izindlela. Izinhlobo ezahlukene zezimpahla zezimali kufanele zibe khona ukuze zinikeze ukuguquguquka ekutshalweni kwakho imali. Unezinketho eziningi ongakhetha kuzo: izimali, izinsimbi eziyigugu, izimpahla, nokuningi.
Ngale ndlela, uzobe uvikela ukutshalwa kwezimali kwakho kunoma yikuphi ukusabela okubi kunoma yimiphi imikhiqizo yakho yezezimali. Ngaphezu kwalokho, lolu hlelo lungakusiza ukuthi uthuthukise imbuyiselo oyitholayo ngokusebenzisa leli cebo eliphumelelayo. Ngeke kukubize lutho ukulisebenzisa, futhi izinzuzo zidlula kakhulu izinkinga zalo modeli wokutshalwa kwezimali. Ungaluhlanganisa nemikhiqizo yasebhange yendabuko , njengediphozithi yesikhathi esinqunyiwe, amanothi esithembiso, izinhlelo zokonga, kanye nama-akhawunti anezinzuzo eziphezulu, phakathi kwezinye.
I-oda lokunciphisa umkhawulo
Kubaluleke kakhulu ukuthi ama-oda akho okuthenga nokuthengisa afake umkhawulo ekulahlekelweni. Lawa aziwa ngokuthi ama-oda okuyeka ukulahlekelwa . Kulula ukuwasebenzisa futhi ngeke akhokhe noma yiziphi izindleko ezengeziwe ezingathinta kabi ibhalansi ye-akhawunti yakho yasebhange. Ngale ndlela, ulahlekelwa yimali kuphela ongayikhokhela ngokoqobo. Ngale ndlela, uzokwazi ukuvikela izimpahla zakho ngesu elinengqondo nelisebenza kahle kakhulu.
Kuze kube seqophelweni lokuthi uzobe usesimweni esingcono sokufinyelela ukutshalwa kwezimali zakho ngempumelelo enkulu ngokwemiphumela yakho yokuhweba. Enye yezinhloso zalolu hlelo lokusebenza ukunciphisa kakhulu ukulahlekelwa ekuhwebeni kwakho ngamasheya. Kunconywa kakhulu ukuthi ukwenze kube semthethweni manje. Uzothola izinzuzo eziningi ngaphandle komzamo omkhulu emasu akho emakethe yezezimali.
Ukungatshali imali kuyo yonke imali oyongile
Akufanele neze utshale yonke imali yakho egciniwe ezitokisini. Lokhu kuzoba elinye isu lokuphatha izingozi ezihlobene nalezi zivumelwano. Okungenani yabela leyo ngxenye yesabelomali somndeni wakho oyoyidinga ezinyangeni ezizayo. Lokhu kufaka phakathi izikweletu zasekhaya, izimali zesikole zezingane, izikweletu, kanye nanoma yiziphi ezinye izindleko ezingalindelekile ezingase zivele nganoma yisiphi isikhathi. Ukwabela amasheya phakathi kuka-30% no-60% wesabelomali sakho kuzokwanela ukuhlangabezana nezidingo zakho.
Ngaphezu kwalokho, le ndlela izokusiza ukunciphisa ukulahlekelwa ezimweni ezinzima kakhulu. Kuyisikhundla esinobulungiswa kakhulu, kodwa esinomqondo ophakeme ongaba usizo kakhulu ekuvikeleni ukutshalwa kwezimali kwakho, hhayi kuphela emasheya kodwa nakwezinye izimpahla zezimali . Ungayisebenzisa nganoma yisiphi isikhathi futhi kunoma yisiphi isimo, ngenzuzo eyengeziwe yokunikeza imali eyengeziwe kwi-akhawunti yakho yokuhlola.
Ngemikhiqizo eqinisekisiwe
Uma ukhetha le nketho, uzoba nembuyiselo yonyaka ehleliwe njalo ngonyaka. Inzuzo ukuthi ihlala iqinisekisiwe. Kodwa-ke, imbuyiselo yokonga kwakho ngeke ikhange njengakweminye imikhiqizo yezezimali. Ungabeka ngisho neminikelo emikhulu emikhiqizweni enikeza lesi sici. Ungathola le nketho yokutshala imali emikhiqizweni ethile yokutshala imali, ikakhulukazi izimali zokutshala imali kanye nezimali ezihwebelana ngokushintshana (ama-ETF ).