Utyalomali njani kwiingxowa-mali ezifanayo

Iimali ezifanayo zidla ngokuchazwa njenge ukuba yinxalenye yobunini bezibambiso emisela izabelo ezijoliswe kubatyali-mali babucala abohlukeneyo. Ziyinxalenye yokwenziwa kotyalo-mali oludityanelweyo kwii-transferable securities (UCITS) kunye neenkampani zotyalo-mali ngoko. inkunzi iyaguquguquka (SICAV). Utyalo-mali kwiingxowa-mali ezihlangeneyo luluvo oluhle.

Iimali zotyalo-mali ziyaguquka ngokwezicwangciso zotyalo-mali ezihambelana neprofayili yazo. Ngokomgaqo-siseko, bajongene notyalo-mali ngokwengqikelelo yejografi nakwicandelo.

Kweli nqaku, siya kukubonisa indlela yokutyala imali kwi-mutual funds ngokulula. Kodwa ngaphambi kokuba siqale, nantsi indlela Ukutyala imali kwi-real estate step by step. Masihambe!!!

⛳️ Zisebenza njani iingxowa-mali ezihlangeneyo?

Iingxowa-mali ezihlangeneyo ubukhulu becala ziqulunqwe liqela lotyalo-mali olugcinwe linani elikhulu labatyali-mali. Balawulwa ziingcali (abaphathi beepotfoliyo).

Eyona njongo iphambili yeengxowa-mali ezihlangeneyo kukumisela iindidi zezibambiso ezenza ingxowa-mali eqhelekileyo enokuthi igxile kwizabelo zenkampani okanye iibhondi zikarhulumente.

Oko kwathiwa, ukuthengwa kwengxowa-mali ehlangeneyo ngumtyali-mali udibanisa imali ayibambayo kunye nomnye umtyalo-mali ngokuthenga izabelo okanye iiyunithi zengxowa-mali. Zikhutshwa njengoko abatyali-mali abaninzi bejoyina uluhlu.

Kufuneka uqaphele ukuba ipotifoliyo nganye inesabelo kwingxowa-mali esivumela ukuba ifumane umvuzo kwaye iphinde ilahlekelwe yimali eyinkunzi.

🌿 Ungatyala njani kwiimali ezifanayo?

Ukuba umbono ufikile kuwe ukuze ufumane iimali zokuhamba, yinto entle le. Ngoku siza kukubonisa amanyathelo ama-5 ekuya kufuneka uwalandele ukuze ekugqibeleni ufumane ingxowa-mali yakho.

✔️Inyathelo loku-1: Misela injongo kunye nexesha lotyalo-mali lwakho

Phambi kokuba uqalise utyalo-mali lwakho, kufuneka uqale wenze uhlolo ukuze wazi eyona njongo yezemali yotyalo-mali lwakho phambi kokumisela ixesha lotyalo-mali lwakho.

Makhe sithathe umzekelo : Umtyalo-mali oqalayo oselula unokutyala imali yakhe iminyaka emininzi, kuba usenexesha elininzi phambi kwakhe.

Kodwa ukuba uneprojekthi engaphantsi konyaka, unokwenza utyalo-mali lwexesha elifutshane ukuze akwazi ukuba nezinto eziyimfuneko kwiprojekthi yakhe, kuyafana nomntu othatha umhlala-phantsi ukuba ufuna ukutshala imali ngokwakhe, unako. ndiyenze ixesha elide.

Kodwa ukuze kungenelwe abantwana bakhe okanye abazukulwana bakhe, unokwenza utyalo-mali lwexesha elide kakhulu.

✔️ Inyathelo lesi-2: Khetha uhlobo lwengxowa-mali

Ukunyamezela kwakho umngcipheko ukuba kuyakunceda kweli nyathelo, njengoko libhekisa kubuchule bakho bokwamkela umngcipheko. Inqanaba lomngcipheko onokuwamkela libaluleke kakhulu xa ukhetha uhlobo lwengxowa-mali oza kutyala kuyo imali yakho.

Masithathe umzekelo : ukuba awufuni kulahlekelwa yimali eninzi kakhulu, ngokuqinisekileyo uya kucinga ngokutyala imali kwingxowa-mali yengeniso esisigxina eya kukunika umlinganiselo omiselweyo wembuyekezo.

Kodwa ukuba ufuna ukwandisa ukonga kwakho endaweni yoko, uya kukhetha iimali zotyalo-mali eziqhelekileyo (iimali zaseCanada). Kuya kufuneka wazi ukuba ukwenza oku kuya kufuneka ukuba ukhululeke kumngcipheko owongezelelweyo esixhasa ngawo izipho.

Kodwa ukuba ujonge ibhalansi engcono phakathi kwembuyekezo kunye nomngcipheko, kuya kufuneka ucinge malunga nokutyalomali kwi-balanced funds (iimali ze-global equity). Kuya kufuneka uqinisekise ukuba iimali ozikhethayo ziyangena kutyalo-mali lwakho olwahlukeneyo kwaye ziyahambelana neenjongo zesicwangciso sakho sotyalo-mali.

✔️Inyathelo lesi-3: Yenza uthelekiso phakathi kweentlawulo kunye nembuyekezo

Qaphela ukuba yonke ingxowa-mali yokubambisana inemirhumo eyakhelwe kuyo, kodwa ezinye zineentlawulo eziphezulu kunabanye.

Imirhumo iya kunciphisa imbuyekezo yakho. Ke nceda wazi ukuba zeziphi iifizi oza kuzihlawula ngokuthe ngqo, ezifana neendleko zokufumana. Kuya kufuneka ke ngoko uthelekise ukusebenza kwengxowa-mali nomlinganiselo wolawulo kunye nezo zeengxowa-mali ezifanayo.

Unokusebenzisa intsebenzo yangaphambili yengxowa-mali ukuze ubone indlela eqhuba ngayo kwiimeko zemarike. Kodwa akukho siqinisekiso sokuba ingxowa-mali iya kuziphatha ngendlela efanayo kwixesha elizayo.

QAPHELA: Phambi kokuba ungene kubunini bengxowa-mali ehlangeneyo, kuya kufuneka wenze uphando oluninzi kumaxwebhu okubhengeza, sinokuthetha ngeengxelo zemali ezithe zaphicothwa, iingxelo zakutshanje zolawulo kunye neengxelo zokusebenza kwengxowa-mali.

Oku kuya kukunika ithuba lokubona ukuba ingxowa-mali ikulungele na iinjongo zakho. Ukufumana la maxwebhu, ungaya kumcebisi wakho okanye ukuba awunayo, ungayifumana kwiwebhusayithi yenkampani ebambe iimali ezifanayo.

✔️Inyathelo lesi-4: Zifumanele umcebisi okanye inkampani yengxowa-mali

Ukuthenga iimali zakho, kufuneka wenze oko kuphela kwinkampani okanye umntu ogunyazisiweyo ukuba azithengise.

Wonke umntu othengisa okanye ocebisa ngeengxowa-mali ezihlangeneyo kufuneka abhaliswe kunye nomlawuli we-securities wasekhaya. E-Ontario, i-arhente ejongene nezibambiso iKomishoni yoKhuseleko yaseOntario.

Xa umcebisi ekuthengisela ingxowa-mali yotyalo-mali, qiniseka ukuba uyayiqonda indlela eza kuhlawulwa ngayo. Mbuze ukuba uthengisa iingxowa-mali ezihlangeneyo zenkampani okanye ukuba ugxininisa kuphela kudidi oluthile lweemali.

✔️Inyathelo lesi-5: Gqibezela isicelo sokuthenga kwaye uthenge

Nje ukuba inkampani ye-mutual fund okhethe ukuyithenga ikunike ikopi yeenyani zengxowa-mali, ngokomthetho okhutshwe nge-30 kaMeyi, 2016, kuya kufuneka unikeze iinkcukacha ezithile zobuqu. Oku kubandakanya, umzekelo, inqanaba lomngcipheko onokuwamkela kunye nenqanaba lolwazi lotyalo-mali onalo. 

Ngokubonisana nemithetho yexabiso lezindlu nezindlu, umcebisi ngamnye uya kufuna ukufumana olu lwazi ngaphambi kokuba enze iingcebiso kuwe malunga nokuba yeyiphi imali ekufuneka uyibeke imali yakho.

Ukuba uyavuma, kufuneka usayine ifomu uze ugcine ikopi kwiifayile zakho ezahlukeneyo.

Ngokuphathelele kutyalo-mali, kwingxowa-mali nganye, kuya kufuneka ukuba udiphozithe imali ubuncinane ($500 okanye $1000). Qaphela ukuba le mali iyaguquguquka, kuxhomekeke kwingxowa-mali oyikhethileyo kutyalo-mali lwakho.

⛳️ Ukuvala

Xa sifikelele esiphelweni senqaku lethu, apho kwakungumbuzo kuthi wokubona indlela yokutyala imali kwi-mutual funds, kubonakala ngathi utyalo-mali luyinto elungileyo.

Kodwa okokuqala, kuya kufuneka wenze uphando okanye ufune iingcebiso zobungcali malunga nokuba yeyiphi ingxowa-mali onokutyala kuyo, sele uzivavanyile iinjongo zakho kunye nokumisela ixesha lotyalo-mali lwakho phambi kokuba uthenge. Nje ukuba ukuthenga kugqityiwe, jonga ukuvela kotyalo-mali lwakho kwaye ukuba ubona ingxaki, qhagamshelana nomcebisi wakho ngokuthe ngqo kwaye uya kuyazi into amakayenze.

🌿 Imibuzo Ebuzwa Rhoqo

✔Ngaba kunokwenzeka ukutyala imali kwiimali ezininzi?

Ewe, unokutyala imali kwiimali ezininzi ngaxeshanye! Kuxhomekeke kwiinjongo zakho, kuba unokuba neenjongo ezahlukeneyo ezibeka utyalo-mali lwakho kunye nexesha labo ngokunjalo.

✔Yintoni omele uyenze ukuba uthenge kakubi?

Ukuba uqaphela ukuba ukuthenga okwenzileyo akuhambelani neenjongo zakho, unokukhansela umyalelo wokuthenga kwiiyure ze-48 zokufumana kunye nokuqinisekiswa komyalelo wakho. Kwaye le migaqo inokwahluka ngokwephondo nephondo.

Ukuba kunjalo, sinike ubhontsi kwaye unike impendulo yakho kwizimvo ukuze usazise apho ungathanda ukuba siphucule khona. Kodwa ngaphambi kokuba uhambe, nazi ezona zixhobo zibalaseleyo ukuphucula ulawulo lweshishini lakho

Ungalibali ukwabelana ngenqaku nabahlobo bakho. Sishiye izimvo zakho kwizimvo.