Nzira yekudyara nemari shoma?

Kusanzwisisa kukuru pamusoro pekudyara ndekwekuti ndeyevapfumi chete. Kare, imwe yengano dzekudyara mari yainyanyozivikanwa yaive yekuti zvinotora mari yakawanda kuti ishande. Zvisinei, ichi hachisi chokwadi nguva dzose, munhu anogona kuisa mari nemari shoma. Kunyangwe iwe usina mari yakawanda yekuisa mari, zvinokwanisika kutanga kuvaka portfolio uye kukura zvinhu zvako.

Muchokwadi, nekudyara kwakawanda kwave kuwanikwa kune vanotanga, hapana chikonzero chekutora. Uye idzo nhau dzakanaka, nekuti kuisa mari inzira huru yekukura hupfumi hwako. Dzidza ku shandisa mari yako zviri nani zvichaita kuti uzvimirire mune zvemari.

Muchikamu chino, Finance de Demain Consulting inokuratidza zvaunoda kuziva kuti uite mutsauko kune ramangwana rako, kunyangwe iwe uchifunga kuti hauna mari yakakwana yekuisa mari. Nemamwe mashoko, sei kuisa mari nemari shoma? Tisati tapindura mubvunzo uyu, chekutanga zvakakosha kuziva kuti nei tichifanira kuisa mari.

🌽 Zvinoita here kuisa mari pasina mari?

Iwe une mukana wekutenga zvinhu pasina zvakadaro kuva nemari. Nekushandisa kiredhiti yebhangi uye iyo yekuzvipa mari.

Mari yerendi yauchagamuchira kubva kumudziyo wako ichaendeswa zvakananga semubhadharo wemari yako yemwedzi nemwedzi yechikwereti. Kuti uite izvi, purojekiti yako inofanirwa kuratidza kugona kwayo pamwe nemamiriro ako ega uye emari. Nekuti unoda izvi kuti ugone kugonesa mabhanga kuti akupe mari.

🌽 Izvo Vanotanga Vanofanira Kufunga

Usati watanga, pane zvinhu zvishoma zvaunofanira kufunga nezvazvo.

Zvinangwa zvako uye horizon yenguva

Funga kuti ndechipi chinangwa chaunoda kuzadzisa nekudyara uye nenguva yako, nguva yaunofanirwa kuisa mari usati wasvika pachinangwa ichocho. Kana nguva yako yechinangwa ipfupi, kuisa mari inogona kunge isiri iyo yakakunakira iwe.

Ngozi kushivirira uye kusiyanisa

Kudyara kwese kunotakura imwe nhanho yenjodzi uye musika unoshanduka, uchichinja nekufamba kwenguva. Zvakakosha kuti unzwisise kushivirira kwako panjodzi. Izvi zvinoreva kuongorora kuti wakagadzikana sei nenjodzi kana kuti yakawanda sei kusagadzikana kwaunokwanisa kubata.

Paunenge uchiisa mari, mutemo wakanaka wegumbo haufanirwe isa mazai ako ose mudengu rimwe. Iwe unofanirwa kusiyanisa ma investments ako. Pane kudaro, siyana. Nekuparadzira madhora ako mukudyara kwakasiyana siyana, unogona kuderedza njodzi yekudyara.

Ichi ndicho chikonzero mari yatinotsanangura pazasi inonyanya kushandisa mutual funds kana mutual funds. exchange yakatengeswa, iyo inobvumira vatengesi kutenga mabhasikiti ezvivimbiso panzvimbo yezvigadziro zvega uye mabhondi.

🌽 Kuisa mari nemari shoma kana pasina 

Danho rekutanga ndere kusaina kune yakaderera-mutengo wekudyara chikuva. Zvizhinji zvinokutendera kuti uvhure Shares ISA kuchengetedza purofiti yako kubva kumuteresi. Kana waita izvozvo, unoda imwe investment strategy. Heano mamwe matipi ekudyara:

✔️ Pinza mari yako mukudyara

Haufanire kunge uine chitsama kuti utange kuisa mari. Kutaura zvazviri, zviri nani kuisa mari shoma nguva dzose pane kuisa mari yakawanda panguva imwe chete.

Nekudyara mari shoma mwedzi wega wega, hausi panjodzi yekushanduka kwemusika. Unopedzisira watenga mamwe masheya kana akachipa uye mashoma kana achidhura.

✔️ Rega robo-chipangamazano aise mari yako kwauri

Les robo-advisors akapinda munzvimbo yekudyara makore gumi apfuura. Vanoita kuti kuisa mari kuve nyore uye kunowanikwa sezvinobvira. Iwe haudi chero chiitiko chekutanga chekudyara nekuti robo-vanachipangamazano vanotora zvese zvekufungidzira kunze kwekudyara.

Robo-vanachipangamazano vanoshanda nekubvunza mibvunzo mishoma iri nyore kuti uone chinangwa chako uye kushivirira njodzi, wozoisa mari yako mupodfolio yezvakasiyana-siyana, zvinodhura masheya uye mabhondi. Robo-vanopa mazano wobva washandisa maalgorithms kuti urambe uchienzanisa portfolio yako uye kukwiridzira kuti ive mutero.

Hapana nzira iri nyore yekutanga nekudyara kwenguva refu. Vazhinji marobo-vanopa mazano vanoda mari shoma shoma kuti vatange kuisa mari uye kubhadharisa mari ine mwero zvichienderana nehukuru hweakaundi yako.

Kana paine kuderera kune robo-vanopa mazano, uyu ndiwo muripo. Robo-vanachipangamazano vanobhadharisa mari yegore yakaenzana nechikamu chidiki chemari yako.

✔️ Tanga kuisa mari mumusika wemari nemari shoma

Kana zvasvikamari mumusika wemasheya, mari inowanzova chipingamupinyi chekupinda. Zvinotora mari yakawanda kuita mari, handiti? IInternet yakaita kuti zvive nyore kune vatengi kuti vatange nemari shoma yekutanga.

Izvi zvinoreva kuti unogona kuisa madhora mashoma kuti uzvizive nekudyara usati waita kuzvipira kukuru. Iyo inzira yakanaka yekudzidza nzira yekudyara uchiisa mari shoma panjodzi.

Nhasi, kune dzakawanda uye dzakawanda sarudzo dzakavhura musuwo kune chizvarwa chitsva chevanoisa mari. Unogona kutanga nazvo yakaderera se $1 uye kusabhadharisa chero komisheni yekutengesa.

Kare, mabroker aichaja makomisheni emadhora akawanda pese pawatenga kana kutengesa masheya. Izvi zvakaita kuti zvisadhure kuisa mari kunyangwe mune imwe stock ine isingasviki mazana kana zviuru zvemadhora.

Zvechokwadi, $0 komisheni mhiri kwepodfolio vakabudirira zvekuti vakakanganisa indasitiri yese yekudyara uye vakamanikidza vatengesi vakuru vese kuti vatevedzere uye vadonhedze makomisheni ekutengesa.

✔️ Invest for the long term

Kuisa mari shoma mwedzi wega wega kungaita sekusina basa, asi zvichienda mberi 20 kana 30 makore, ungadai wakavaka hari huru kwazvo. Kana iwe uchida kuchengetedza mari yako yakasimwa kwemakumi emakore, iwe unokwanisa kutora njodzi yakawanda kupfuura mumwe munhu angangoda kuwana mari yavo mumakore mashoma anotevera.

Kudyara ndekwenguva refu nekuti iyo yakareba yako yekudyara horizon, iyo yakawanda nguva yaunofanirwa kukunda nguva dzakaipa sezvo mitengo ichizopora. Saka, kuisa mari muchirongwa chekurega inzira yakanaka yekuita izvozvo.

✔️ Isa mari muIndex Funds

Index mari yakafanana nemari yekutengeserana pa autopilot: pane kushandisa maneja wezvenyanzvi kuvaka nekuchengetedza mari yekudyara mari, index index inotevera musika index.

Indekisi yemusika isarudzo yekudyara inomiririra chikamu chemusika. By semuenzaniso, iyo S&P 500 indekisi yemusika wemasheya inobata migove yemakambani anosvika mazana mashanu emakambani makuru muUnited States. Iyo S&P 500 index fund yaizovavarira kuteedzera mashandiro eiyo S&P 500, nekutenga migove yeindekisi iyi.

Nemhaka yekuti index index inotora nzira yekuisa mari kuburikidza nekutsvaga mutsara wemusika pane kushandisa unyanzvi hwehutungamiri hwepodfolio, inowanzova nehuwandu hwemari yekubhadhara - mari inobhadharwa zvichienderana nemari yawakaisa - pane mutual funds.

Asi semari pamwe chete, vatengesi mune index index vanotenga chikamu chemusika mune imwe chete kutengeserana.

Index mari inogona kunge iine zvishoma zvekudyara zvinodiwa. Mamwe mafemu ebrokerage anopa sarudzo yemari ye index isina hushoma. Izvi zvinoreva kuti iwe unogona kutanga kuisa mari mune index index isingasviki $100. Dzidza zvakawanda nezve stock indices pano…

✔️Invest yekutenda kune SCPI chimiro pasina mari

Unozofanira kuziva izvozvo iyo SCPI isangano revanhu real estate investment inokupa mukana wekuita investments usina kana kutora chikwereti uchingotora mashares.

Rudzi urwu rwekudyara rwunopihwa kana kukwereteswa kune avo vane hunyanzvi kana mamiriro emunhu kunyangwe vakagadzikana kana kwete.

Kuti utore masheya, unofanirwa kubhadhara imwe mari inokosha zviuru zvishoma zvemaeuro izvo zvinokupa mukana wekuwana mari inopinda mukupera kwemwedzi wega wega kana kota.

Mukana wakakura wauchava nawo nekushandisa SCPI kuisa mari ndeyekuti haufanirwe kunetseka nezve chero chinhu. Ndiyo kambani iyi iyo pachayo inodzora maroja pamwe nerendi pakupera kwenguva yega yega. Kana wangowana mutengi, unogona kutengesa migove yako pasina kunyara.

✔️ Chengetedza mari kuburikidza nekuwanda mari pasina mari

Kana iwe usingakwanise kuisa mari kuburikidza neSCPI, une yechipiri sarudzo inova real estate crowdfunding, inova nzira itsva yekudyara. Mhando iyi yekudyara inowanikwa uye inotariswa neFinancial Market Authority inova iyo Financial Markets Authority.

Inoshanda zviri nyore kwazvo. Iwe unoita chikwereti chemari kune mumwe wevanosimudzira kuitira kuti awane mari uye kumisikidza yako real estate project.

Kuti uve unokodzera kuita izvi, unofanirwa kunge uine envelopu inosvika £1, iyo iwe unogona kuve nekudzoka kunosanganisirwa pakati pe8 ne10% pagore pane imwe nguva kubva Mwedzi 12 kusvika ku36 kana gore 1 kusvika kumakore matatu.

✔️ Isa mari mukudonhedza pasina mari

Tanga rwendo rwako rwekudonha pa Small scale nekutenga chete chigadzirwa chemuenzaniso kubva kumutengesi wako. Izvi zvinoderedza njodzi pakutanga uye zvinokutendera kuti usimbise pfungwa yako nemutengo wakaderera.

Gadzirisa hwindo zvakanyanya sezvinobvira yechitoro chako chinodonhedza uchishandisa mapuratifomu emahara senge Shopify uye Oberlo. Shanda pachiratidzo chemhando yako uye ruzivo rwemushandisi usati waisa mari mukushambadzira.

Tarisa pakushambadzira organic pasocial network nekugadzira uye kumhanyisa mapeji anoyevedza paFacebook, Instagram, TikTok. Shoko remuromo rinogona kukubatsira wedzera kutengesa kwako.

Sarudza zvigadzirwa zvemazuva ano, zvepamusoro-mari kutsiva yakaderera yekutanga kuodha vhoriyamu. Niche research yakakosha! 🌟 Reinvest yako purofiti yekutanga kutenga yakawanda hesera uye kubhadhara kunangwa kushambadzira kana pfungwa yako yasimbiswa.

Iva nemoyo murefu uye shingirira, le dropshipping zvinoda kushanda nesimba kwenguva refu usati waita purofiti. Asi nekukurudzira, unogona kuzviita!

✔️ Shandisa mari yechitatu

Munofunga kuti vakabudirira nhasi vakazviita nokuda kwemari yavo here? Ziva kuti kutengeserana kwakawanda kunoramba kuchinyunguduka, vanoisa mari vanonyanya kuda mari. Senzvimbo yekuwana mari tinogona kutaura:

🟢 Kuda mari

kuda mari chiito icho munhu anotanga nacho bhizinesi nemari yeshamwari kana hama. Imwe nzira isingadzoreki pane kunyorera kiredhiti kubva kusangano rezvemari, rudo mari inopindura kune yakanyatso fungwa, zvichireva kuva pedyo uye kuvimbana.

Inosanganisira kubvumira hama (shamwari, mhuri, vamiriri) kutsigira nemari mutungamiri weprojekiti mukugadzira bhizinesi rake.

Kuisa nemari yemunhu anovimba newe uye asingakwanisi kukumbira vimbiso mukudzoka kunobatsira zvikuru. Uye chikwereti chako chinobva pakutenda kwaunopihwa nemunhu uyu.

🟢 Sangana nemakambani akazvimirira anokweretesa

Kana yasvika nguva yekutsvaga mari, unenge uchitoda vanhu ava. Ziva kuti vakweretesi vega vega vanobatana vakanyanya kukosha mune real estate.

Asi havazoiti sezvazviri kuda mari Mukudzorera mari yavo, vachakukumbira kuti udzoke uye chivimbiso pane chimwe chezvivako zvaunenge uinazvo kana pane chaunoda kuisa mari.

Kusarudza kumba, hazvitore nguva senge pamabhangi. Zvinhu zvavakavakirwa pazviri zvinochinjika kupfuura izvo zvemabhangi uye vakagadzirirawo kutora njodzi huru.

Zvinova zvakakunakira. Mukutengeserana kwako, tora vakweretesi vakazvimiririra sevadyidzani. Vabati vanokupa mukana wekuita purofiti yakanyanya mukutsinhana nechikamu chepurofiti iyi nenzira yekufarira kana mubhadharo wakasiyana.

🟢 Sangana nevakweretesi vega

Une waunoziva here (shamwari kana nhengo yemhuri) ane zvakaenzana mumudziyo? Vane pfuma uye havashandise asset iyi kuti ikure.

Unogona kuvapa chikamu chepamusoro zvishoma pane chimbadzo chinopihwa nemabhanga. Izvi zvinoreva kuti chakanakisisa kuwana mari. Mamiriro acho haazoome sedzimwe nzira dzekupa mari.

Sangana nemubatsiri

Kana munguva yakapfuura wakambotsvaga chikwereti chawakatadza kutarisira uye kuti mabhanga haachavimbi newe, zvinogona kuitika kuti mumwe munhu ari pedyo newe auye kuzokutsigira.

Iva muchengeti wako paunotadza kubhadhara chikwereti chako. Kana ukashandisa endorser, uchafanira kungwarira zvikuru. Hukama hwenyu huri panjodzi.

Sangana nemutengesi pachake

Mutengesi pachake anogona kunge ari sosi yekukupa mari. Kazhinji, zvinogona kuitika kuti panguva yekutengeswa kweimba iyo mutengesi wako anobvuma kuramba ari kutengeswa.

Zvatinowanzo kudana " chiyero chekutengesa ". Pachinzvimbo chekuti awane chikamu chakazara chemidziyo, anongouya nechikamu chemari iyoyo uye imwe yacho achaiwana zvinoenderana nezvinodiwa nechibvumirano chamuchaita mese.

🟢 Nevanoshamwaridzana, ita mari nevashandi vako

Fungidzira kuti unotanga kutsvaga, kuti unova nyanzvi uye kuti unoda kushandisa zvakanyanya nguva yako.

Semuenzaniso, iwe uchawana chivakwa, iwe waizochitungamira uye mukutsinhana, iwe uchagamuchira migove nekuva mubatsiri.

mhedziso

Pane nzira dzakawanda dzekutanga kudyara nemari shoma, iine yakawanda yepamhepo uye app-based mapuratifomu anoita kuti zvinhu zvive nyore kupfuura nakare kose. Chaunofanira kuita kutanga pane imwe nzvimbo. Kana wangozviita, zvichava nyore nekufamba kwenguva uye iwe pachako uchakuda nekuda kwayo.

Kana iwe uri mumwe wevanyanzvi mumunda, saka tisiye ruzivo rwako mumashoko. Asi usati waenda, heino kudzidziswa kunokubvumira kuti ugone hunyanzvi hwemari yako.