Ungatyala njani ngemali encinci?

Eyona mbono inkulu malunga notyalo-mali kukuba kuphela izityebi. Kwixesha elidlulileyo, enye yeentsomi eziqhelekileyo zotyalo-mali yayikukuba kuthatha imali eninzi ukuba isebenze. Nangona kunjalo, oku akusoloko kuyinyani, umntu unokutyala imali encinci. Nokuba awunayo imali eninzi yokutyala imali, kunokwenzeka ukuba uqale ukwakha ipotfoliyo kwaye ukhulise ii-asethi zakho.

Ngapha koko, ngotyalo-mali oluninzi ngoku olukhoyo kubaqalayo, akukho sizathu sokuthatha inyathelo. Kwaye ziindaba ezimnandi ezo, kuba ukutyala imali yindlela entle yokukhulisa ubutyebi bakho. Funda uku yiphathe kakuhle imali yakho iya kukwenza uzimele ngokwezimali.

Kule nqaku, Finance de Demain Consulting ikubonisa into ekufuneka uyazi ukuze wenze umahluko kwikamva lakho, nokuba ucinga ukuba awunamali yaneleyo yokutyala. Ngamanye amazwi, njani ukutyala imali encinci? Ngaphambi kokuba uphendule lo mbuzo, kubalulekile ukwazi ukuba kutheni kufuneka sityale imali.

🌽 Ngaba kunokwenzeka ukutyala imali ngaphandle kwemali?

Unethuba lokuthenga iimpahla ngaphandle kokuba nemali. Ngokusebenzisa ikhredithi yebhanki kunye nenkqubo yokuzixhasa ngemali.

Irenti oya kuyifumana kwipropati yakho iya kudluliselwa ngokuthe ngqo njengembuyekezo yeentlawulo zakho zenyanga ngetyala. Ukufezekisa oku, iprojekthi yakho kufuneka ibonise ukusebenza kwayo kunye nemeko yakho yobuqu neyemali. Kuba ufuna oku ukuze ukwazi ukukholisa iibhanki ukuba zikunike imali.

🌽 Yintoni ekufuneka Bayiqwalasele Abaqalayo

Ngaphambi kokuba uqalise, kukho izinto ezimbalwa ekufuneka ucinge ngazo.

Iinjongo zakho kunye nexesha le-horizon

Cinga ukuba yeyiphi injongo ofuna ukuyifeza ngokutyala imali kunye nexesha lakho, ixesha omele utyale ngalo ngaphambi kokufikelela kuloo njongo. Ukuba ixesha lenjongo yakho lifutshane, utyalo-mali lusenokungabi lolona lulungele wena.

Ukunyamezela umngcipheko kunye nokwahlukana

Lonke utyalo-mali lunomngcipheko othile kwaye imarike iyaguquguquka, iyaguquguquka ngokuhamba kwexesha. Kubalulekile ukuba uqonde ukunyamezela kwakho umngcipheko. Oku kuthetha ukuvavanya ukuba ukhululekile kangakanani na kumngcipheko okanye ukuba kungakanani ukuguquguquka onokukwazi ukujamelana nako.

Xa utyalo-mali, umgaqo olungileyo wesithupha awufanele beka onke amaqanda akho kwingobozi enye. Kufuneka ulwahlule utyalo-mali lwakho. Endaweni yoko, yahluka. Ngokusasaza iidola zakho kulo lonke utyalo-mali olwahlukeneyo, unokunciphisa umngcipheko wotyalo-mali.

Yiyo loo nto utyalo-mali esiluchaza ngezantsi lusebenzisa kakhulu iingxowa-mali ezihlangeneyo okanye iingxowa-mali ezihlangeneyo. utshintshiselwano kurhwebo, evumela abatyali-mali ukuba bathenge iibhasikithi ze-securities endaweni ye-stocks ngabanye kunye neebhondi.

🌽 Utyalo-mali ngemali encinci okanye engenamali 

Isinyathelo sokuqala kukubhalisela iqonga lotyalo-mali eliphantsi. Uninzi luya kukuvumela ukuba uvule iSabelo se-ISA ukukhusela iingeniso zakho kumhlawuli werhafu. Emva kokuba uyenzile loo nto, udinga isicwangciso sotyalo-mali. Nanga amanye amacebiso otyalo-mali:

✔ Faka imali yakho kutyalo-mali

Akukho mfuneko yokuba ube nesixa-mali ukuze uqalise ukutyala imali. Enyanisweni, kungcono ukutyala imali encinci rhoqo kunokutyala isixa esikhulu ngexesha elinye.

Ngokutyala imali encinci nyanga nganye, awukho sesichengeni sokuguquguquka kweemarike. Ugqiba ukuthenga izitokhwe ezininzi xa ziphantsi kwaye zimbalwa xa zibiza.

✔ Vumela umcebisi we-robo atyale imali yakho kuwe

Les robo-abacebisi yangena kwindawo yotyalo-mali kwiminyaka elishumi eyadlulayo. Benza utyalo-mali lube lula kwaye lufikeleleke kangangoko. Awudingi nawaphi na amava otyalo-mali ngaphambili kuba abacebisi be-robo bathatha yonke into yokuqikelela kutyalo-mali.

Abacebisi beRobo basebenza ngokubuza imibuzo embalwa elula ukumisela injongo yakho kunye nokunyamezela umngcipheko, emva koko utyale imali yakho kwipotfoliyo yee-stocks ezihluke kakhulu, eziphantsi kweendleko kunye neebhondi. Robo-abacebisi emva koko usebenzise i-algorithms ukuqhubekeka ukulungelelanisa ipotifoliyo yakho kwaye uyisebenzisele irhafu.

Akukho ndlela ilula yokuqalisa ngotyalo-mali lwexesha elide. Uninzi lwabacebisi be-robo lufuna imali encinci kakhulu ukuqala ukutyalomali kunye nokuhlawulisa iifizi ezincinci kuxhomekeke kubukhulu beakhawunti yakho.

Ukuba kukho i-downside kubacebisi be-robo, ziindleko. Abacebisi beRobo bahlawulisa umrhumo wonyaka olingana nepesenti encinci yebhalansi yakho.

✔ Qala ukutyalomali kwimarike yemasheya ngemali encinci

Xa kufikwa kutyala imali kwimarike yemasheya, ixabiso lidla ngokuba ngumqobo ekungeneni. Kuthatha imali eninzi ukwenza imali, akunjalo? I-Intanethi yenze ukuba kube lula kubathengi ukuba baqalise ngemali encinci kakhulu yokuqala.

Oku kuthetha ukuba ungatyala iidola ezimbalwa ukuze uziqhelanise nokutyala imali ngaphambi kokwenza ukuzinikela okukhulu. Yindlela entle yokufunda ukutyala imali ngelixa ubeka imali encinci emngciphekweni.

Namhlanje, kukho iindlela ezininzi zokukhetha eziye zavula umnyango kwisizukulwana esitsha sabatyalo-mali. Ungaqala kwakhona phantsi njenge $1 kwaye ungahlawulisi nayiphi na ikhomishini yokuthengisa.

Kwixesha elidlulileyo, abadayisi bahlawulisa ii-commissions zeedola ezininzi rhoqo xa uthenga okanye uthengisa amasheya. Oku kwenza ukuba kungabizi kakhulu ukutyala imali nakwisitokhwe esinye esingaphantsi kwamakhulu okanye amawaka eedola.

Enyanisweni, $0 ikhomishini kuyo yonke ipotifoliyo baye baphumelela kangangokuba baphazamisa lonke ishishini lotyalo-mali kwaye banyanzela bonke abarhwebi abakhulu ukuba balandele kwaye balahle iikhomishini zorhwebo.

✔ Tyala ixesha elide

Ukutyala imali encinci nyanga nganye kunokubonakala kungenanto, kodwa kuqhubeke Iminyaka engama-20 okanye engama-30 ubudala, unokuba uwakhe imbiza enkulu kakhulu. Ukuba ujonge ukugcina imali yakho ityalwe amashumi eminyaka, unokukwazi ukuthatha umngcipheko ngakumbi kunomntu onokufuna ukufikelela kwimali yakhe kwiminyaka embalwa ezayo.

Utyalo-mali lolwexesha elide kuba okukhona ixesha lakho lotyalo-mali linde, kokukhona unexesha elingakumbi lokuwoyisa amaxesha amabi njengoko amaxabiso eza kubuya kwakhona. Ke, ukutyala imali kwisicwangciso somhlalaphantsi yindlela entle yokwenza oko.

✔️ Tyala imali kwiiNgxowa-mali zeSalathiso

Iingxowa-mali zesalathisi zifana neengxowa-mali ezisebenzisanayo kwi-autopilot: endaweni yokuqesha umphathi oqeqeshiweyo ukwakha nokugcina ipotfoliyo yotyalo-mali yengxowa-mali, iingxowa-mali zesalathisi zilandelela isalathiso semarike.

Isalathiso semarike lukhetho lotyalo-mali olumele inxalenye yemarike. Ngu umzekelo, iS&P 500 sisalathiso semarike yemasheya enezabelo malunga nama-500 eenkampani ezinkulu eUnited States. Ingxowa-mali ye-S&P 500 iya kujolisa ukulandelela ukusebenza kwe I-S & P 500, ngokuthenga izabelo zesi salathiso.

Ngenxa yokuba iimali zesalathiso zithatha indlela yokwenziwa kotyalo-mali ngokulandelela isalathiso semarike kunokusebenzisa ulawulo lwepotfoliyo yobuchwephesha, zithanda ukuba neendleko eziphantsi zomlinganiselo - imirhumo ehlawuliswayo ngokusekelwe kwimali oyityalile-kunemali edibeneyo.

Kodwa njengeemali ezifanayo, abatyali-mali kwiimali zesalathisi bathenga inxalenye yemarike kwintengiso enye.

Iingxowa-mali zesalathiso zinokuba neemfuneko zotyalo-mali ubuncinane. Ezinye iifemu zokuthengisa zibonelela ngokhetho lwemali yesalathiso ngaphandle kobuncinci. Oku kuthetha ukuba unokuqalisa ukutyala imali kwingxowa yesalathiso ngaphantsi kwe $100. Funda ngakumbi malunga ne-stock indices apha…

✔️Tyala imali enkosi kwisimo se-SCPI ngaphandle kwemali

Kuya kufuneka uyazi ukuba I-SCPI luluntu utyalo-mali lwezindlu nezindlu olukunika ithuba lokwenza utyalo-mali ngaphandle kokuthatha imali-mboleko ngokuthatha nje izabelo.

Olu hlobo lotyalo-mali lunikezelwa okanye lubolekwa abo baneengcali okanye imeko yobuqu nokuba bazinzile okanye hayi.

Ukuze uthathe izabelo, kufuneka uhlawule isixa esithile semali esixabisa amawaka ambalwa eeuro nto leyo eya kukunika ithuba lokufumana imali engenayo ekupheleni kwenyanga okanye ikota nganye.

Inzuzo enkulu oyakuba nayo ngokusebenzisa i-SCPI kutyalo-mali kukuba akufuneki ukhathazeke ngayo nantoni na. Yinkampani ngokwayo elawula abaqeshi kunye neerenti ekupheleni kwexesha ngalinye. Nje ukuba ufumane umthengi, ungathengisa izabelo zakho ngaphandle kweentloni.

✔️ Tyala imali ngokusebenzisa abantu abaninzi ngaphandle kwemali

Ukuba awukwazi ukutyala imali nge-SCPI, unokhetho lwesibini oluyi-real estate crowdfunding, oluluhlobo olutsha lotyalo-mali. Olu hlobo lotyalo-mali lufunyenwe kwaye lujongwe yiIGunya leMarike yeMali eliGunyaziwe leeMarike zeMali.

Isebenza ngokulula kakhulu. Uboleka imali komnye wabakhuthazi ukuze akwazi ukuxhasa ngemali kwaye usete iprojekthi yakho yezindlu nomhlaba.

Ukuze ube nokufanelekela oku, kuya kufuneka ube nemvulophu ubuncinci i-£1, apho unokuba nembuyekezo ibandakanywe phakathi kwe-8 kunye ne-10% ngonyaka kwithuba ukusuka Iinyanga ezili-12 ukuya kwezingama-36 okanye unyaka omnye ukuya kwiminyaka emi-1.

✔ Tyala imali kwi-dropshipping ngaphandle kwemali

Qala uhambo lwakho lwe-dropshipping Isikali esincinci ngokuthenga isampuli yemveliso kuphela kumboneleli wakho. Oku kuya kunciphisa umngcipheko ekuqaleni kwaye kukuvumela ukuba uqinisekise umbono wakho ngexabiso eliphantsi.

Lungiselela ifestile kangangoko kwivenkile yakho eyehlayo usebenzisa amaqonga asimahla afana noShopify kunye neOberlo. Sebenza kumfanekiso webhrendi yakho kunye namava omsebenzisi ngaphambi kokuba utyale imali kwintengiso.

Gxininisa kwintengiso yendalo kwiinethiwekhi zentlalo ngokwenza kunye nokusebenzisa amaphepha anomtsalane kuFacebook, Instagram, TikTok. Ukuthetha ngomlomo kunokukunceda khulisa intengiso yakho.

Khetha iimveliso ezisefashonini, ezinomda ophezulu ukubuyisela umthamo ophantsi weodolo yokuqala. Uphando lweNiche lubalulekile! 🌟 Phinda utyale imali yakho iingeniso zokuqala ukuthenga uluhlu oluthe kratya kunye nokuhlawula intengiso ekujoliswe kuyo emva kokuba ingqikelelo yakho iqinisekisiwe.

Yiba nomonde kwaye uzingise, le ukuhla kufuna umgudu wexesha elide phambi kokuba ube nengeniso. Kodwa ngenkuthazo, ungayenza!

✔️ Sebenzisa imali yomntu wesithathu

Ngaba ucinga ukuba abo baye baphumelela namhlanje baye bakwenza oko ngenxa yemali yabo? Qaphela ukuba okukhona iintengiselwano ziqhubeka zinyibilika, kokukhona abatyali-mali befuna inkxaso-mali. Njengomthombo wenkxaso-mali, sinokucaphula:

Ukuthanda imali

ukuthanda imali sisenzo umntu aqala ngaso kwishishini ngemali yomhlobo okanye yesalamane. Enye indlela enganeno kuthintelo kunokufaka isicelo setyala kwiziko lezemali, imali yothando iphendula kwingqiqo ethile, ethetha ukuba kufutshane kunye nokuthembana.

Kubandakanya ukuvumela izalamane (abahlobo, iintsapho, i-entourage) ukuba baxhase ngemali inkokeli yeprojekthi ekudalweni kweshishini lakhe.

Utyalo-mali ngemali yomntu okuthembileyo kwaye ongakwaziyo ukucela isiqinisekiso ngembuyekezo kunenzuzo kakhulu. Kwaye imali-mboleko yakho iya kusekelwa kwintembeko lo mntu akunika yona.

Dibana nababolekisi babucala

Xa kufika ixesha lokufumana imali, uya kubadinga ngokwenene aba bantu. Yazi ukuba ababolekisi babucala bangamaqabane abaluleke kakhulu kwi-real estate.

Kodwa abayi kuyenza ngendlela efanayo ukuthanda imali Ngembuyekezo yemali yabo, baya kukucela imbuyekezo kunye nesiqinisekiso kwesinye sezakhiwo osele unazo okanye kweso ofuna ukutyala kuso.

Ukugqiba ekhaya, akuthathi ixesha njengeebhanki. Izinto ezisekelwe kuzo zibhetyebhetye ngakumbi kunezo zeebhanki kwaye zikulungele ukuthatha umngcipheko omkhulu.

Eyona nto iluncedo kuwe. Kwintengiselwano yakho, thatha aba babolekisi babucala njengamahlakani. Abachaphazelekayo abaya kukunika ithuba lokwenza inzuzo ephezulu ngokutshintshiselana nenxalenye yale nzuzo ngohlobo lwenzala okanye iintlawulo ezahlukeneyo.

Dibana nababolekisi babucala

Ingaba unaye umntu omaziyo (umhlobo okanye ilungu losapho) onobulungisa kwipropati? Banepropati kwaye abayisebenzisi le-asethi ukuyikhulisa.

Ungabanika ipesenti ephezulu kancinane kunenzala enikwe ziibhanki. Oku kuthetha ukuba obalaseleyo ukufumana inkxaso-mali. Iimeko aziyi kuba nzima njengezinye iindlela zokuxhasa ngemali.

Dibana nomxhasi

Ukuba kwixesha elidlulileyo uye wafumana uncedo lwetyala oye walisebenzisa gwenxa kwaye iibhanki azisakuthembi, kusenokwenzeka ukuba umntu okufutshane nawe eze kukuxhasa.

Yiba ngumqinisekisi wakho xa usilela ukuhlawula imali-mboleko yakho. Ukuba usebenzisa umxhasi, kuya kufuneka ulumke kakhulu. Ulwalamano lwakho lusemngciphekweni.

Dibana nomthengisi ngokwakhe

Umthengisi ngokwakhe unokuba ngumthombo wenkxaso-mali kuwe. Ngokuqhelekileyo, kunokwenzeka ukuba ngexesha lokuthengiswa kwepropati ukuba umthengisi wakho avume ukuhlala ethengiswa.

Into esiqhele ukuyibiza " ibhalansi yokuthengisa ". Endaweni yokuba afumane isixa esipheleleyo sepropati, ufumana kuphela inxalenye yaloo mali kwaye enye uya kuyifumana phantsi kwemimiselo yesivumelwano eniya kuba nayo kunye.

🟢 Kunye nezinxulumani zakho, yenza imali ngabasebenzi bakho

Khawucinge ukuba uqalisa uphando, ukuba ube yingcali kwaye ufuna ukulisebenzisa kakuhle ixesha lakho.

Umzekelo, uya kufumana isakhiwo, uya kusilawula kwaye ngokutshintshiselana, uya kufumana izabelo ngokuba liqabane.

isiphelo

Zininzi iindlela zokuqalisa ukutyala imali ngemali encinci, kunye nentaphane ye-intanethi kunye ne-app-based platforms eyenza izinto zibe lula kunangaphambili. Okufuneka ukwenze kukuqala kwindawo ethile. Nje ukuba uyenzile, kuya kuba lula ngokuhamba kwexesha kwaye ikamva lakho liya kukuthanda ngenxa yalo.

Ukuba ungomnye weengcali kwintsimi, ngoko usishiye amava akho kumazwana. Kodwa ngaphambi kokuba uhambe, nalu uqeqesho olukuvumela ukuba uphathe kakuhle imali yakho.