Izinto eziluncedo kunye nokungalunganga kwezinye iimveliso zemali

Iimveliso zemali zisembindini wenkqubo yezemali. Iimveliso zemali lutyalo-mali olusetyenziselwa ukufezekisa iinjongo zemali. Ziza ngeendlela ezininzi ezahlukeneyo kwaye zingasetyenziselwa ukufikelela uluhlu olupheleleyo lweenjongo, ukusuka ekulondolozeni umhlalaphantsi ukuya kutyalo-mali kwishishini.

Iimveliso zemali zizixhobo okanye izivumelwano ezinokuthi zisetyenziswe njengotyalo-mali. Baza ngeendlela ezininzi ezahlukeneyo, ezifana nezitokhwe, iibhondi, iingxowa-mali ezihlangeneyo, ii-ETF, kunye ne-real estate.

Iimveliso zemali zisetyenziselwa ukwakha ubutyebi kunye nokufezekisa iinjongo zemali. Zingasetyenziselwa ukonga imali yomhlalaphantsi, ukuthenga indlu okanye ukutyala imali kwishishini.

Iimveliso zemali zahlukile kolunye utyalo-mali kuba zilawulwa ngurhulumente kwaye zinokhuseleko oluthile. umzekelo, les ingxowa-mali ehlangeneyo, Ii-ETF kunye nezitokhwe zilawulwa yi-SEC, ngelixa iibhondi zilawulwa nguNondyebo.

Kule posi yebhlog, siza kujonga ngakumbi kwiindidi ezahlukeneyo zeemveliso zemali, okulungileyo kunye nokubi, kunye nendlela yokufumana okuninzi kuzo. Siza kujonga kwakhona imingcipheko ebandakanyekayo kunye nendlela yokulawula.

Masihambe !!

♻️ Izibonelelo zeemveliso zemali

Iimveliso zemali zineenzuzo ezininzi. Zimanzi kakhulu, nto leyo ethetha ukuba unokuziguqula ngokulula zibe yimali. Basenokunikezela ngembuyekezo ephezulu kunezinye iindlela zotyalo-mali.

Iimveliso zemali nazo zizuza kukhuseleko oluthile. Ngokomzekelo, iimali ezifanayo, Ii-ETF kunye nezitokhwe zilawulwa yi-SEC, ngelixa iibhondi zilawulwa nguNondyebo. Oku kuqinisekisa ukuba utyalo-mali ikhuselekile kwaye ikhuselekile.

Ekugqibeleni, iimveliso zemali zibonelela ngeendlela ezahlukeneyo. Ngokutyala imali kwiimveliso ezahlukeneyo zemali, unokusasaza umngcipheko wakho kwaye unciphise ukuguquguquka kwepotfoliyo yakho.

⛳️ Iintlobo zeemveliso zemali

Kukho iintlobo ngeentlobo zeemveliso zemali ezifumanekayo kubatyali-mali. Nantsi isishwankathelo sezona ntlobo zidumileyo zeemveliso zemali:

👉 Tyala imali kwizitokhwe

Izabelo luhlobo lwemveliso yemali emele ubunini beshishini. Xa uthenga isitokhwe, uthenga inxalenye yenkampani kunye neenzuzo zayo.

Ukutyala imali kwii-stocks kunokuba yindlela efanelekileyo yokufumana imbuyekezo kuba ikuvumela ukuba uzuze kwimpumelelo yenkampani. Iingenelo zesitokhwe zilele kumandla azo okufumana inzuzo ephezulu, ngakumbi kwixesha elide. Ukongeza, ukuba nezabelo kukuvumela ukuba uxhamle kwizabelo ezihlawulwe yinkampani kubaninizabelo. Nangona kunjalo, izitokhwe nazo zineentsilelo ezibalulekileyo.

Utyalo-mali kwii-stocks lubandakanya iingozi. Ixabiso lezabelo linokunyuka okanye lihle, kwaye akukho siqinisekiso sembuyekezo. Ukongeza, inkampani otyala kuyo inokonakala, nto leyo ekhokelela ekuphulukaneni notyalo-mali lwakho.

Ukongezelela, utyalo-mali kwii-stocks lufuna uhlalutyo olunzulu kunye nokuqonda indlela ishishini elisebenza ngayo.

👉 Tyala imali kwiimali ezifanayo

Iimali ezihlangeneyo luhlobo lwemveliso yezemali edibanisa utyalo-mali lwabantu abaninzi. Loo mali ke isetyenziselwa ukuthenga izinto ezahlukeneyo, ezifana nezitokhwe, iibhondi kunye nemali.

Utyalo-mali kwiimali ezihlangeneyo kubonelela ngeendlela ezahlukeneyo kuba ikuvumela ukuba usasaze umngcipheko wakho kwii-asethi ezahlukeneyo. Ngaphezu koko, iingxowa-mali ezihlangeneyo zilawulwa ngokobuchwephesha, okuthetha ukuba akufanele ukhathazeke ngokuphanda nokulawula utyalo-mali lwakho.

Nangona kunjalo, utyalo-mali kwiimali ezihlangeneyo zinokubiza, njengoko kufuneka uhlawule iimali zolawulo kunye nezinye iindleko. Kwakhona, akukho siqinisekiso sokusebenza.

👉 Tyala imali kwiibhondi

Les bond luhlobo lwemveliso yemali emele imali-mboleko. Xa utyala imali kwiibhondi, uboleka ngokufanelekileyo imali kulowo ukhuphayo. Umniki-nkonzo ke uyakuhlawula ngenzala.

Utyalo-mali kwiibhondi inokuba yindlela elungileyo yokufumana imbuyekezo rhoqo. Iibhondi nazo azinabungozi kangako kunolunye utyalo-mali kuba ziqinisekiswa ngumniki.

Nangona kunjalo, amabhondi angaba ngokuxhomekeke kumngcipheko wenzala. Ukuba izinga lenzala liyenyuka, ixabiso leebhondi zakho liya kuwa. Kwakhona, iibhondi zinokuba nzima ukucima ngenxa yokuba akukho siqinisekiso sokuba uya kufumana umthengi.

👉 Utyalo-mali kwii-ETF

Les ukutshintshiselana ngeemali zokurhweba (ETFs) luhlobo lwemveliso yezemali elandelela ibhasikidi ye-asethi. Ii-ETF zifana neengxowa-mali ezifanayo, kodwa zithengiswa kwimarike yemasheya.

Utyalo-mali kwii-ETF lubonelela ngeendlela ezahlukeneyo kuba utyala imali kwibhaskithi yee-asethi. Ukongeza, ii-ETFs ngokubanzi Ixabiso eliphantsi kunemali edibeneyo, njengoko kungekho mali zokulawula.

Nangona kunjalo, ii-ETF zinokuguquka ngenxa yokuba zixhomekeke kumandla afanayo emarike njengezitokhwe. Kwakhona, akukho siqinisekiso sokusebenza.

👉 Tyala imali kwi-real estate

I-real estate luhlobo lwemveliso yezemali ebandakanya ukuthengwa nokuthengisa umhlaba. Utyalo-mali kwi-real estate ingaba yindlela efanelekileyo yokuvelisa imbuyekezo, njengoko iipropati zinokwenza ukwanda kwexabiso ngokuhamba kwexesha.

Nangona kunjalo, ukutyala imali kwi-real estate kubandakanya iingozi. Ixabiso lepropati linokuhla kwaye imbuyekezo ayiqinisekiswanga. Ukongeza, ulawulo lwe-real estate lunokuba kuyabiza kwaye kuthatha ixesha.

👉 Tyala imali kwi-cryptocurrencies

I-Cryptocurrencies luhlobo lwemveliso yezemali exhomekeke kwiteknoloji ye-blockchain. Ii-Cryptocurrencies ziye zanda kakhulu kwiminyaka yakutshanje kuba zibonelela amandla esivuno esiphezulu.

Nangona kunjalo, ukutyala imali kwi-cryptocurrencies kuza nemingcipheko. THE ii-cryptocurrencies ziguquguquka kakhulu, kwaye akukho siqinisekiso sokusebenza. Ukongeza, ii-cryptocurrencies azilawulwa, oku kuthetha ukuba azikhuselwanga ngurhulumente.

Iiakhawunti zogcino

Iiakhawunti zogcino-mali ziimveliso zemali eziqhelekileyo ezivumela abantu ukuba bafake imali yabo kwiziko lezemali, elifana nebhanki, ngenjongo yokuyigcina nokuyikhulisa.

Izibonelelo zeeakhawunti zogcino zibandakanya amandla okuhlawula amatyala aphezulu, okuthetha ukuba unokufikelela ngokulula kwimali yakho xa kuyimfuneko. Ukongeza, ii-akhawunti zogcino zibonwa zikhuselekile kwaye zihlala zibonelela ngenzala eqinisekisiweyo.

Nangona kunjalo, i-downsides yee-akhawunti zokulondoloza yimbuyekezo ephantsi ngokubanzi, enokuthi ingahambelani nesantya sokunyuka kwamaxabiso, oko kunokunciphisa amandla okuthenga imali yakho ngokuhamba kwexesha.

Ukuxhaswa ngemali ngabantu abaninzi

I-Crowdfunding, eyaziwa ngokuba yi-crowdfunding, yimodeli yenkxaso-mali evumela inani elikhulu labantu ukuba banikele ngemali kwiprojekthi okanye kwishishini.

Le yenye indlela kwimithombo yemveli yenkxaso-mali efana neebhanki okanye abatyali-zimali bamaziko. Nazi ezinye izinto eziluncedo kunye nezingeloncedo kwi-crowdfunding:

Izinto eziluncedo kwi-crowdfunding

1. Ukufikelela kwinkxaso-mali: I-Crowdfunding inika ithuba lokuxhasa ngemali iiprojekthi okanye amashishini anokuba nobunzima bokufumana imali-mboleko yebhanki okanye ukutsala abatyali-mali bemveli.
2. Ukuqinisekiswa kombono: I-Crowdfunding ivumela iinkokeli zeprojekthi ukuba zivavanye umbono wazo noluntu kwaye zilinganise umdla kunye nemfuno ngaphambi kokusungulwa.
3. Uthethathethwano noluntu: I-Crowdfunding ikuvumela ukuba ubandakanye uluntu lwabantu abaxhasa iprojekthi, nto leyo enokwenza uzive ungowabanye kunye nokunyaniseka kwinkampani okanye kwiprojekthi exhaswa ngemali.
4. Amandla okuthengisa : Iphulo le-crowdfunding lingasebenza njengeqonga lokuthengisa ukukhuthaza iprojekthi okanye ishishini, ngaloo ndlela kutsala ingqalelo yeendaba kunye nabaphulaphuli abaninzi.

Ukungalungi kwe-crowdfunding

1. Ukungaqiniseki ngenkxaso-mali: Akukho siqinisekiso sokuba iphulo le-crowdfunding liya kufezekisa injongo yalo yezemali. Ukuba injongo ayifikelelwanga, imali eqokelelweyo inokubuyiselwa kubaxhasi kwaye iprojekthi ayinakuxhaswa ngemali.
2. Ukhuphiswano olwandisiweyo: Ngokukhula kokuthandwa kwe-crowdfunding, kunokuba nzima ukugqama phakathi kwamaphulo amaninzi aqhubekayo. Ukhuphiswano lunokwenza kube nzima ukufezekisa injongo yenkxaso-mali.
3. Uxanduva lwabaxhasi: Iinkokeli zeprojekthi zinoxanduva lwabaxhasi kwaye kufuneka zigcine izithembiso zabo malunga nokuhambisa imveliso okanye ukwenza iprojekthi. Ukungaphumeleli ukuthobela izibophelelo kunokonakalisa isidima senkampani.
4. Ukubhengezwa kolwazi olubuthathaka: Ngexesha lomkhankaso wokuxhasa abantu abaninzi, kunokuba yimfuneko ukutyhila ulwazi olubuthathaka malunga neprojekthi okanye inkampani, enokuthi ibonise umngcipheko malunga nokugcinwa kwemfihlo okanye ukhuseleko lwepropathi enomgangatho ophezulu wokuqonda.

Kubalulekile ukuqaphela ukuba iphulo ngalinye le-crowdfunding lilodwa kwaye linokuba nezibonelelo zalo kunye nokungalunganga. Iinkokeli zeprojekthi zicetyiswa ukuba zivavanye ngokucophelela imeko kunye neenjongo zabo ngaphambi kokuba ziqalise umkhankaso wokuxhasa abantu abaninzi. Kwakhona funda malunga I-Islamic crowdfunding.

♻️ Izinto eziluncedo kunye nokungonakali kweemveliso ezahlukeneyo zemali.

Iimveliso zemali zinokuba sisixhobo esiluncedo ukukunceda ufezekise iinjongo zakho zemali. Nangona kunjalo, kubalulekile ukuqonda okulungileyo kunye nokungalunganga kweemveliso ezahlukeneyo zemali ngaphambi kokuba wenze utyalo-mali.

Amasheya kunye neengxowa-mali ezihlangeneyo zinika ithuba lokufumana izivuno eziphezulu, kodwa zikwathwala nemingcipheko.

Iibhondi azinabungozi kangako, kodwa zisenokunganikezeli ngembuyekezo efanayo nolunye utyalo-mali. Ii-ETF zibonelela ngeendlela ezahlukeneyo kwaye zi ngokuqhelekileyo zitshiphu, kodwa zinokuguquka.

I-real estate ingaba yindlela efanelekileyo yokuvelisa imbuyekezo, kodwa ingaba njalo kuyabiza kwaye kuthatha ixesha ukulawula. IiCryptocurrencies zibonelela nge amandla esivuno esikhulu, kodwa ziguquguquka kakhulu kwaye azilawulwa.

♻️ Ukuvala

Iimveliso zemali zinokuba sisixhobo esiluncedo ukukunceda ufezekise iinjongo zakho zemali. Nangona kunjalo, kubalulekile ukuqonda okulungileyo kunye nokungalunganga kweemveliso ezahlukeneyo zemali ngaphambi kokuba wenze utyalo-mali.

Izitokhwe, iibhondi, iingxowa-mali ezihlangeneyo, ii-ETF, izindlu nezindlu kunye nee-cryptocurrencies zonke zinezazo imingcipheko emininzi kunye nemivuzo. Ngokuqonda izinto ezilungileyo kunye nezingalunganga zomntu ngamnye, unokwenza isigqibo esinolwazi kwaye wandise imbuyekezo yakho.

Xa kuziwa kutyalo-mali, kubalulekile ukuba yahlula ipotifoliyo yakho nokulawula imingcipheko. Ngokutyala imali kwiimveliso ezahlukeneyo zemali, unokusasaza umngcipheko wakho kwaye unciphise ukuguquguquka kwepotfoliyo yakho.

Iimveliso zemali zinokuba yindlela enhle ukwakha ilifa lemveli kwaye ufezekise iinjongo zakho zemali. Ngokuqonda izinto ezilungileyo kunye nezibi kwiimveliso ezahlukeneyo zemali, unokwenza isigqibo esinolwazi kwaye wandise imbuyekezo yakho.

Sishiye izimvo zakho kwizimvo. Kodwa ngaphambi kokuba uhambe, nantsi indlela yokwenza iakhawunti I-PayPal Akukho Mda-Yenza I-Akhawunti Eqinisekisiweyo e-Afrika