Momwe mungasungire ndalama ndi ndalama zochepa?

Maganizo olakwika kwambiri okhudza kuyika ndalama ndikuti ndi olemera okha. M'mbuyomu, imodzi mwa nthano zodziwika bwino za ndalama inali yakuti pamafunika ndalama zambiri kuti zitheke. Komabe, izi sizowona nthawi zonse, munthu akhoza kuyika ndalama ndi ndalama zochepa. Ngakhale mulibe ndalama zambiri zogulira, ndizotheka kuyamba kupanga mbiri ndi kukulitsa zinthu zanu.

M'malo mwake, ndi ndalama zambiri zomwe zilipo kwa oyamba kumene, palibe chifukwa chodziwira. Ndipo ndiye nkhani yabwino, chifukwa kuyika ndalama ndi njira yabwino yopezera chuma chanu. Phunzirani gwiritsani ntchito bwino ndalama zanu zidzakupangitsani kukhala wodziimira pazachuma.

Munkhaniyi, Finance de Demain Consulting amakuwonetsani zomwe muyenera kudziwa kuti musinthe tsogolo lanu, ngakhale mukuganiza kuti mulibe ndalama zokwanira zogulira. Mwanjira ina, momwe ndalama ndi ndalama zochepa? Tisanayankhe funsoli, choyamba ndikofunika kudziwa chifukwa chake tiyenera kuyikapo ndalama.

🌽 Kodi ndizotheka kuyika ndalama popanda ndalama?

Muli ndi mwayi wogula zinthu popanda kukhala ndi ndalama. Pogwiritsa ntchito ngongole ya banki ndi njira yodzipangira ndalama.

Ma renti omwe mudzalandira kuchokera ku malo anu adzasamutsidwa mwachindunji monga kubweza ngongole zanu za mwezi uliwonse. Kuti izi zitheke, pulojekiti yanu iyenera kuwonetsa kuthekera kwake komanso momwe zinthu zilili pawekha komanso zachuma. Chifukwa mukufunikira izi kuti mutsimikizire mabanki kuti akupatseni ndalama.

🌽 Zomwe Oyamba Ayenera Kuziganizira

Musanayambe, pali zinthu zingapo zomwe muyenera kuziganizira.

Zolinga zanu ndi nthawi yofikira

Ganizirani cholinga chomwe mukufuna kukwaniritsa poyika ndalama komanso nthawi yanu, nthawi yomwe muyenera kuyika ndalama musanakwanitse cholingacho. Ngati cholinga chanu cha nthawi yayitali ndi chachifupi, kuyika ndalama sikungakhale koyenera kwa inu.

Ngozi kulolerana ndi zosiyanasiyana

Ndalama zonse zimakhala ndi chiopsezo china ndipo msika umakhala wosasunthika, umasintha pakapita nthawi. Ndikofunikira kuti mumvetsetse kulolera kwanu pachiwopsezo. Izi zikutanthauza kuwunika momwe mungakhalire omasuka ndi chiwopsezo kapena kuchuluka kwa kusakhazikika komwe mungathe kuthana nazo.

Poika ndalama, lamulo labwino la chala chachikulu sikuyenera ikani mazira anu onse mudengu limodzi. Muyenera kusiyanitsa ndalama zanu. M'malo mwake, sinthani. Mwa kufalitsa madola anu pazogulitsa zosiyanasiyana, mutha kuchepetsa chiwopsezo chandalama.

Ichi ndichifukwa chake mabizinesi omwe tikufotokoza pansipa nthawi zambiri amagwiritsa ntchito mutual funds kapena mutual funds. kusinthana malonda, zomwe zimalola osunga ndalama kugula mabasiketi achitetezo m'malo mwa masheya ndi ma bond.

🌽 Kuyika ndalama ndi ndalama zochepa kapena osapeza chilichonse 

Chinthu choyamba ndikulembetsa kuti mupange ndalama zotsika mtengo. Ambiri akulolani kuti mutsegule Shares ISA kuti muteteze phindu lanu kwa wokhometsa msonkho. Mukachita zimenezo, mukufunikira njira yoyendetsera ndalama. Nawa maupangiri oyika ndalama:

✔ Lowetsani ndalama zanu m'mabizinesi

Simufunikanso kukhala ndi ndalama zambiri kuti muyambe kuyikapo ndalama. Ndipotu, ndi bwino kuyika ndalama zochepa nthawi zonse kusiyana ndi kugulitsa ndalama zambiri nthawi imodzi.

Poika ndalama zochepa mwezi uliwonse, simukhala pachiopsezo cha kusinthasintha kwa msika. Mumagula masheya ambiri akakhala otsika mtengo komanso ochepera akakhala okwera mtengo.

✔ Lolani mlangizi wa robo akusungireni ndalama zanu

Les robo-advisor adalowa m'malo azachuma pafupifupi zaka khumi zapitazo. Amapangitsa kuti ndalama zikhale zosavuta komanso zosavuta momwe zingathere. Simukusowa chidziwitso chilichonse choyambirira chifukwa alangizi a robo amatenga malingaliro onse pakuyika ndalama.

Alangizi a Robo amagwira ntchito pofunsa mafunso osavuta kuti adziwe cholinga chanu ndi kulekerera kwa chiopsezo, ndikuyika ndalama zanu muzinthu zamitundu yosiyanasiyana, zotsika mtengo ndi zomangira. Robo-alangizi Kenako gwiritsani ntchito ma aligorivimu kuti musinthenso mbiri yanu ndikuyikonza kuti ikhale yamisonkho.

Palibe njira yosavuta yoyambira ndikuyika ndalama kwanthawi yayitali. Alangizi ambiri a robo amafuna ndalama zochepa kuti ayambe kuyika ndalama ndikulipiritsa ndalama zochepa kwambiri malinga ndi kukula kwa akaunti yanu.

Ngati pali zovuta kwa alangizi a robo, mtengo wake ndi uwu. Alangizi a Robo amalipira chindapusa chapachaka chofanana ndi gawo laling'ono la ndalama zanu.

✔ Yambani kuyika ndalama pamsika ndi ndalama zochepa

Zikafikagulitsani msika wamasheya, mtengo nthawi zambiri umalepheretsa kulowa. Pamafunika ndalama zambiri kuti mupange ndalama, sichoncho? Intaneti yapangitsa kuti zikhale zosavuta kuti ogula ayambe ndi ndalama zochepa kwambiri zam'tsogolo.

Izi zikutanthauza kuti mutha kuyika ndalama zingapo kuti mudziwe bwino pakuyika ndalama musanapange kudzipereka kwakukulu. Ndi njira yabwino yophunzirira momwe mungasungire ndalama ndikuyika ndalama zochepa pachiwopsezo.

Masiku ano, pali zosankha zambiri zomwe zatsegula chitseko cha mbadwo watsopano wa osunga ndalama. Mutha kuyamba nawonso otsika ngati $1 komanso osalipira komishoni iliyonse yogulitsa.

M'mbuyomu, ma broker amalipira ndalama zambiri nthawi iliyonse mukagula kapena kugulitsa masheya. Izi zidapangitsa kuti zikhale zotsika mtengo kuyika ndalama ngakhale mu stock imodzi yokhala ndi ndalama zosakwana mazana kapena masauzande a madola.

Ndipotu, $0 makomisheni kudera lonselo zidayenda bwino kwambiri kotero kuti zidasokoneza bizinesi yonse yazachuma ndikukakamiza mabizinesi onse akuluakulu kuti atsatire ndikusiya ma komiti ochita malonda.

✔ Invest in the long term

Kuyika ndalama zing'onozing'ono mwezi uliwonse kungawoneke ngati kopanda phindu, koma kumapitirira zaka 20 kapena 30, mwina munamanga mphika waukulu kwambiri. Ngati mukufuna kusunga ndalama zanu kwazaka zambiri, mutha kukhala pachiwopsezo kuposa munthu yemwe angafunike kupeza ndalama zawo pazaka zingapo zikubwerazi.

Kuyika ndalama ndi kwanthawi yayitali chifukwa mukachulukitsa ndalama zanu, m'pamenenso mumakhala ndi nthawi yochulukirapo kuti muthane ndi zovuta zomwe mitengo ibwerera. Choncho, kuyika ndalama mu ndondomeko yopuma pantchito ndi njira yabwino yochitira zimenezo.

✔️ Ikani ndalama mu Index Funds

Ndalama za index zili ngati ndalama zomwe zimayenderana pa autopilot: m'malo molemba ntchito manejala waluso kuti amange ndi kusunga ndalama za thumba, ndalama za index zimatsata index ya msika.

Mlozera wamsika ndi kusankha kwa ndalama zomwe zimayimira gawo la msika. Wolemba Mwachitsanzo, S&P 500 ndi ndondomeko ya msika wa masheya yomwe imakhala ndi magawo pafupifupi 500 amakampani akuluakulu ku United States. Thumba la S&P 500 index lingakhale ndi cholinga choyang'anira magwiridwe antchito a S & P 500, pogula magawo a index iyi.

Chifukwa ndalama za ndondomeko zimatenga njira yochepetsera ndalama potsata ndondomeko ya msika m'malo mogwiritsa ntchito kasamalidwe ka akatswiri, nthawi zambiri zimakhala ndi ndalama zotsika mtengo - ndalama zomwe zimaperekedwa malinga ndi ndalama zomwe mwagulitsa - kusiyana ndi ndalama zogwirizanitsa.

Koma monga ndalama zogwirizanitsa , osunga ndalama mu ndondomeko ya ndalama amagula gawo la msika mumsika umodzi.

Ndalama zandalama zitha kukhala ndi zofunikira pakuyika ndalama zochepa. Makampani ena a brokerage amapereka zosankha zandalama zopanda malire. Izi zikutanthauza kuti mutha kuyamba kuyika ndalama mu index fund kuti zosakwana $100. Dziwani zambiri zama index a stock pano…

✔️Ingani ndalama chifukwa cha SCPI popanda ndalama

Muyenera kudziwa zimenezo SCPI ndi gulu la anthu ndalama zogulira nyumba zomwe zimakupatsani mwayi wopanga ndalama popanda kutenga ngongole pongotenga magawo.

Ndalama zamtunduwu zimaperekedwa kapena kubwerekedwa kwa omwe ali ndi luso kapena zochitika zaumwini kaya ali okhazikika kapena ayi.

Kuti mutenge masheyawo, muyenera kulipira ndalama zinazake zokwana ma euro masauzande angapo zomwe zingakupatseni mwayi wopeza ndalama zolowa kumapeto kwa mwezi uliwonse kapena kotala.

Ubwino waukulu womwe mungakhale nawo pogwiritsa ntchito SCPI kuyika ndalama ndikuti simuyenera kuda nkhawa ndi chilichonse. Ndi kampaniyi yomwe imayang'anira ochita lendi komanso renti kumapeto kwa nthawi iliyonse. Mukapeza wogula, mutha kugulitsa magawo anu popanda manyazi.

✔️ Ikani ndalama kudzera mukubweza ndalama popanda ndalama

Ngati simungathe kugulitsa ndalama kudzera mu SCPI, muli ndi njira yachiwiri yomwe ndi kubwereketsa nyumba, yomwe ndi njira yatsopano yopezera ndalama. Ndalama zamtunduwu zimapezedwa ndikuyang'aniridwa ndiFinancial Market Authority lomwe ndi Financial Markets Authority.

Zimagwira ntchito mophweka kwambiri. Mumabwereketsa ndalama kwa m'modzi mwa olimbikitsa kuti athe kulipirira ndikukhazikitsa projekiti yanu yogulitsa malo.

Kuti muyenerere izi, muyenera kukhala ndi envelopu osachepera £1, zomwe mungathe kubweza nazo pakati pa 8 ndi 10% pachaka kwa nthawi kuyambira Miyezi 12 mpaka 36 kapena chaka chimodzi mpaka zaka zitatu.

✔ Invest in dropshipping popanda ndalama

Yambani ulendo wanu waku dropshipping pa Sikelo yaying'ono pogula chitsanzo chokha kuchokera kwa ogulitsa. Izi zidzachepetsa chiopsezo poyambira ndikukulolani kuti mutsimikizire lingaliro lanu pamtengo wotsika.

Konzani zenera momwe mungathere sitolo yanu yotsitsa pogwiritsa ntchito nsanja zaulere monga Shopify ndi Oberlo. Gwiritsirani ntchito pa chithunzi cha mtundu wanu ndi zomwe mumagwiritsa ntchito musanagwiritse ntchito malonda.

Yang'anani kwambiri pakutsatsa kwachilengedwe pamasamba ochezera popanga ndikutsegula masamba owoneka bwino pa Facebook, Instagram, TikTok. Mawu apakamwa angakuthandizeni onjezerani malonda anu.

Sankhani zinthu zotsogola, zotsika mtengo kuti mubwezere kuchuluka kwa mayitanitsa otsika. Kufufuza kwa niche ndikofunikira! 🌟 Bweretsani ndalama zanu phindu loyamba kuti mugule zambiri ndikulipira zotsatsa zomwe mukuzifuna mukangotsimikiziridwa.

Khalani oleza mtima ndi olimbikira, Le kudumpha kumafuna khama la nthawi yaitali musanapindule. Koma ndi molimbikitsa, mukhoza kuchita!

✔️ Gwiritsani ntchito ndalama za gulu lachitatu

Kodi mukuganiza kuti amene apambana masiku ano achita zimenezi chifukwa cha ndalama zawo? Dziwani kuti mabizinesi akamapitilirabe kusungunuka, m'pamenenso osunga ndalama amayitanitsa ndalama. Monga gwero la ndalama, titha kunena:

🟢 Kukonda ndalama

kukonda ndalama ndi zomwe munthu amayamba kuchita bizinesi ndi ndalama za bwenzi kapena wachibale. Njira ina yocheperako kuposa kufunsira ngongole ku bungwe lazachuma, ndalama zachikondi zimayankha kumalingaliro achindunji, kutanthauza kuyandikira ndi kukhulupirirana.

Zimaphatikizapo kulola achibale (abwenzi, mabanja, otsogolera) kuti athandize mtsogoleri wa polojekiti popanga bizinesi yake.

Kuyika ndalama ndi ndalama za munthu amene amakudalirani komanso amene sangathe kupempha chitsimikizo pobwezera ndizopindulitsa kwambiri. Ndipo ngongole yanu idzatengera chidaliro chomwe munthuyu amakupatsani.

Kumanani ndi obwereketsa abizinesi

Nthawi yopeza ndalama ikafika, mudzawafunadi anthuwa. Dziwani kuti obwereketsa wamba ndi othandizana nawo ofunikira kwambiri pakugulitsa nyumba.

Koma iwo sadzachita izo monga pa kukonda ndalama Pobwezera ndalama zawo, adzakufunsani kubwerera ndi chitsimikizo pa imodzi mwa nyumba zomwe muli nazo kale kapena zomwe mukufuna kuyikamo.

Kusankha kunyumba, sizitenga nthawi ngati ku mabanki. Zomwe zimakhazikitsidwa ndizosinthika kuposa za mabanki ndipo ali okonzeka kutenga zoopsa zazikulu.

Zomwe zimapindulitsa kwambiri. Pochita nawo malonda, tengani obwereketsa awa ngati ogwirizana. Okhudzidwa omwe angakupatseni mwayi wopeza phindu lalikulu posinthanitsa ndi gawo la phinduli mwachiwongola dzanja kapena zolipiritsa zosiyanasiyana.

Kumanani ndi obwereketsa achinsinsi

Kodi muli ndi mnzanu (mnzanu kapena wachibale) yemwe ali ndi malonda panyumba? Ali ndi katundu ndipo sagwiritsa ntchito chumachi kuti chikule.

Mutha kuwapatsa chiwongola dzanja chokwera pang'ono kuposa chiwongola dzanja choperekedwa ndi mabanki. Izi zikutanthauza kuti chabwino kupeza ndalama. Zinthu sizidzakhala zovuta ngati njira zina zopezera ndalama.

🟢 Kumanani ndi olimbikitsa

Ngati m'mbuyomu mudakhalapo ndi ngongole yomwe simunayendetse bwino komanso kuti mabanki sakukukhulupirirani, zitha kukhala zotheka kuti wina wakuzungulirani abwere kudzakuvomerezani.

Khalani guarantor wanu mukalephera kubweza ngongole yanu. Ngati mugwiritsa ntchito endorser, muyenera kusamala kwambiri. Ubale wanu uli pachiwopsezo.

🟢 Kumanani ndi wogulitsa yekha

Wogulitsa yekha akhoza kukhala gwero la ndalama kwa inu. Kawirikawiri, zikhoza kuchitika kuti panthawi yogulitsa malo omwe wogulitsa wanu amavomereza kuti apitirizebe kugulitsa.

Zomwe timazitcha nthawi zambiri " ndalama zogulitsira ". M’malo moti apeze ndalama zonse za katunduyo, amangotenga gawo la ndalamazo ndipo zotsalazo azipeza molingana ndi mapangano amene mudzakhale nawo limodzi.

🟢 Ndi anzanu, pezani ndalama ndi antchito anu

Tiyerekeze kuti mwayamba kufufuza, kuti mukhale katswiri komanso kuti mukufuna kugwiritsa ntchito bwino nthawi yanu.

Mwachitsanzo, mudzapeza nyumba, mungayang'anire ndipo posinthanitsa, mudzalandira magawo pokhala oyanjana nawo.

Kutsiliza

Pali njira zambiri zoyambira kuyika ndalama ndi ndalama zochepa, kukhala ndi nsanja zambiri zapaintaneti komanso mapulogalamu opangira zinthu kukhala zosavuta kuposa kale. Zomwe muyenera kuchita ndikuyambira penapake. Mukatero, zimakhala zosavuta pakapita nthawi ndipo tsogolo lanu lidzakukondani chifukwa cha izi.

Ngati ndinu mmodzi wa akatswiri m'munda, ndiye tisiyeni zomwe mwakumana nazo mu ndemanga. Koma musananyamuke, nayi maphunziro omwe amakupatsani mwayi wodziwa bwino ndalama zanu.