Neobanks kunye nokucuthwa kwemirhumo yebhanki
Ngaba udiniwe kukuhlawula imali eninzi kwiintlawulo zebhanki ngonyaka ngamnye kwibhanki yakho yemveli? Isisombululo silele ekwamkelweni kwee-neobanks kunye neebhanki ze-intanethi.
Udidi: Imali yeClassic
I-Classical finance ngokuchasene ne-Islamic finance ibhekisa kwinkalo yomsebenzi ebandakanya ukubonelela ngezinto zemveliso yezemali (inkunzi) eyimfuneko ekufezekiseni iprojekthi yotyalo-mali.
Vula i-akhawunti yebhanki ye-intanethi ye-100%.
Kule mihla, ukuvula i-akhawunti yebhanki ye-intanethi ye-100% kulula kakhulu. Akukho mfuneko yokuya kwi-arhente kwaye ulinde iiyure! Ngokucofa nje okumbalwa kwikhompyuter yakho okanye kwi-smartphone, unokufikelela kwibhanki yale mihla, eyongayo efikelelekayo ngalo lonke ixesha.
Lawula iindleko zakho ngomthetho we-50/30/20
Ukulawula uhlahlo lwabiwo-mali lwakho lobuqu asingomsebenzi olula. Nangona kunjalo, enye yezona ndlela zisebenzayo kwaye ivunyiwe ziingcali ngumgaqo we-50/30/20. Phakathi kweebhili ezinyanzelekileyo eziqokelelayo, izilingo zokusetyenziswa kunye neziganeko ezingalindelekanga zobomi, kulula ukuphulukana nonyawo lwakho kwaye ubone iimali zakho zisihla.
Indlela yokutyala imali kwimarike yemasheya kunye ne-PEA
Ukutyala imali kwimarike yemasheya kunye ne-PEA ithandwa kakhulu ngabagcini. Enkosi kwirhafu ezuzwayo kwinzuzo eyinkunzi kunye nezahlulo ezifunyenweyo, inyusa ukusebenza kotyalo-mali ngelixa inciphisa intlawulo yerhafu. I-PEA ikwabonelela ngamathuba okutshintsha imali kabani phakathi kwezithuthi ezininzi ezifana nezabelo, ii-ETF, iimali, iziqinisekiso, njl.
Indlela yokwakha ipotifoliyo yesitokhwe elungeleleneyo
Ukutyala imali kwimarike yemasheya yindlela enomdla yokukhulisa ukonga kwakho kwixesha elide. Kodwa ukutyala imali yakho yonke kwizitokhwe kubandakanya ingozi enkulu. Ukuguquguquka kweemarike kunokukhokelela kwilahleko eyinkunzi ekunzima ukuyoyisa ukuba awuzilungiselelanga. Nangona kunjalo, eyona nkxalabo iphambili ihlala yile: Indlela yokwakha i-portfolio ye-stock market elinganayo?
Indlela yokukhetha i-inshurensi yobomi efanelekileyo kuwe
Ndifuna ukundikhethela i-inshurensi yobomi. Kwenziwa njani ? Enyanisweni, i-inshurensi yobomi idibanisa iingenelo ezininzi malunga nembuyekezo, ukufumaneka kogcino kunye nokulungiswa kwerhafu. Nangona kunjalo, ukuthatha ikhontrakthi ye-inshurensi yobomi akukho lula kunokuba kubonakala xa uqala nje. Phakathi kweekontraki ezininzi ezibonelelwa ngabanini be-inshurensi, ungahamba njani ukuze ukhethe leyo eya kuhambelana ngokwenene nemeko yakho yezemali kunye neenjongo zakho?