Ungatshala kanjani kuma-mutual funds

Izimali ezihlanganyelwe ngokuvamile zichazwa ngokuthi ukuba ngokubambisana kobunikazi bezibambiso esungula amasheya ahloselwe abatshalizimali abahlukene abazimele. Ziyingxenye ebalulekile yezibopho zokutshalwa kwezimali ngokuhlanganyela kuzibambiso ezidluliswayo (i-UCITS) kanye nezinkampani zokutshala izimali ngakho-ke capital iyaguquguquka (SICAV). Ukutshala imali kuma-mutual funds kuwumqondo omuhle.

Izimali zokutshalwa kwezimali zishintsha ngokuya ngamasu okutshala ahambisana nephrofayili yazo. Ngokomthetho, babhekana nokutshalwa kwezimali ngokombono oqondile wendawo kanye nemikhakha.

Kulesi sihloko, sizokukhombisa ukuthi ungatshala kanjani ku-mutual funds kalula. Kodwa ngaphambi kokuba siqale, nansi indlela Ukutshala imali ku-real estate isinyathelo ngesinyathelo. Asambe!!!

⛳️ Isebenza kanjani i-mutual funds?

Izimali ezihlanganyelwe ikakhulukazi zakhiwe iqoqo lokutshalwa kwezimali okuphethwe yinani elikhulu labatshalizimali. Aphethwe ngochwepheshe (abaphathi bephothifoliyo).

Inhloso enkulu ye-mutual funds iwukunquma izinhlobo zezibambiso ezakha isikhwama esivamile esingagxiliswa kumasheya enkampani noma amabhondi kahulumeni.

Sesikushilo lokho, ukuthengwa kwe-mutual fund wumtshali-zimali kuhlanganisa imali ayiphethe neyomunye umtshali-zimali ngokuthenga amasheya noma ama-fund units. Zikhishwa njengoba abatshalizimali abaningi bejoyina uhlu.

Kufanele uqaphele ukuthi iphothifoliyo ngayinye inengxenye yesikhwama esivumela ukuthi ithole imali futhi ilahlekelwe yimali.

🌿 Ungatshala Kanjani Ezimalini Ezihlangene?

Uma umqondo ufikile kuwe ukuze uthole i-travel mutual funds, lokhu kuyinto enhle. Manje sizokwethula izinyathelo ezi-5 ozodinga ukuzilandela ukuze ekugcineni uzuze isikhwama sakho somuntu siqu.

✔️Isinyathelo 1: Thola inhloso nesikhathi sokutshala kwakho imali

Ngaphambi kokuqala ukutshalwa kwezimali kwakho, kufanele uqale uhlole ukuze wazi izinjongo zezezimali eziqondile zokutshalwa kwezimali kwakho ngaphambi kokunquma ubude besikhathi sokutshala kwakho.

Ake sithathe isibonelo : Umtshali-zimali osaqalayo osemncane angatshala imali yakhe iminyaka eminingi, ngoba usenesikhathi esiningi phambi kwakhe.

Kodwa uma ene-project esikhathini esingaphansi konyaka, angakwazi ukwenza utshalomali lwesikhashana ukuze akwazi ukuba nezinto ezidingekayo kuphrojekthi yakhe, kuyafana nomuntu osethathe umhlalaphansi uma efuna ukuzitshala yena, angakwazi' ngikwenze isikhathi eside.

Kodwa ukuze kuzuze izingane noma abazukulu bakhe, angakwazi ukutshala imali isikhathi eside kakhulu.

✔️ Isinyathelo sesi-2: Khetha uhlobo lwesikhwama

Ukubekezelela kwakho ubungozi uma kukusize kulesi sinyathelo, njengoba kuqondise ekhonweni lakho lokwamukela ubungozi. Izinga lobungozi ongakwamukela libaluleke kakhulu uma ukhetha uhlobo lwesikhwama ozotshala kuso imali yakho.

Ake sithathe isibonelo: uma ungafuni ukulahlekelwa yimali eningi, nakanjani uzocabangela ukutshala imali esikhwameni semali engenayo esingaguquki esizokunikeza isilinganiso esinqunyiwe sembuyiselo.

Kodwa uma ufuna ukukhulisa ukonga kwakho esikhundleni salokho, uzokhetha izikhwama ezijwayelekile zokutshala isitoko (izimali zaseCanada). Uzodinga ukwazi ukuthi ngenxa yalokhu uzodinga ukukhululeka ngengozi eyengeziwe esixhasa ngayo izipho.

Kodwa uma ufuna ibhalansi engcono phakathi kwembuyiselo nengozi, kuzodingeka ucabange ngokutshala izimali ezilinganisweni (izimali zokulingana zomhlaba wonke). Kuzodingeka uqinisekise ukuthi izimali ozikhethayo ziyangena ekutshalweni kwakho okuhlukahlukene nokuthi zihambisana nezinjongo zohlelo lwakho lokutshala imali.

✔️Isinyathelo sesi-3: Qhathanisa phakathi kwezinkokhiso nezimbuyiselo

Qaphela ukuthi zonke izikhwama ezihlangene zinezindleko ezakhelwe ngaphakathi, kodwa ezinye zinezindleko eziphakeme kunezinye.

Izimali zizonciphisa imbuyiselo yakho. Ngakho-ke sicela wazi ukuthi yiziphi izimali okufanele uzikhokhe ngokuqondile, njengezindleko zokuthola. Ngakho-ke uzodinga ukuqhathanisa ukusebenza kwesikhwama nesilinganiso sokuphatha nalezo zezikhwama ezifanayo.

Ungasebenzisa ukusebenza kwangaphambilini kwesikhwama ukuze ubone ukuthi senza kanjani ezimeni zemakethe. Kodwa asikho isiqiniseko sokuthi isikhwama sizoziphatha ngendlela efanayo esikhathini esizayo.

QAPHELA: Ngaphambi kokuthi ungene ekubeni ngumnikazi we-mutual fund, uzodinga ukwenza ucwaningo oluningi emibhalweni yokudalula, singakhuluma ngezitatimende zezimali ezihloliwe, imibiko yakamuva yokuphatha kanye nemibiko yokusebenza kwesikhwama.

Lokhu kuzokunika ithuba lokubona ukuthi isikhwama siyifanele yini imigomo yakho. Ukuze uthole le mibhalo, ungaya kumeluleki wakho noma uma ungenayo, ungayithola kuwebhusayithi yenkampani ephethe izimali ezihlanganyelwe.

✔️Isinyathelo sesi-4: Zitholele umeluleki noma inkampani ye-mutual fund

Ukuze uthenge izimali zakho, kufanele wenze kanjalo kuphela enkampanini noma kumuntu ogunyaziwe ukuzithengisa.

Wonke umuntu othengisa noma oweluleka ngezimali ezihlanganyelwe kufanele abhaliswe nomlawuli wakhe wendawo. E-Ontario, i-ejensi enesibopho sezibambiso i Ikhomishini Yezokuphepha yase-Ontario.

Uma umeluleki ekudayisela isikhwama sokutshala imali, qiniseka ukuthi uyaqonda ukuthi sizoholelwa kanjani. Mbuze ukuthi uthengisa yini i-mutual funds yenkampani noma uma egxile kuphela esigabeni esithile sezimali.

✔️Isinyathelo sesi-5: Gcwalisa isicelo sokuthenga futhi uthenge

Uma inkampani ye-mutual fund okhetha ukuyithenga ikunikeza ikhophi yamaqiniso esikhwama, ngokomthetho okhishwe ngoMeyi 30, 2016, kuzodingeka ukuthi unikeze ulwazi oluthile lomuntu siqu. Lokhu kufaka, isibonelo, izinga lengozi ongayamukela kanye nezinga lolwazi lokutshalwa kwezimali onalo. 

Ngokubonisana nemithetho yamanani ezindawo ezithengiswayo, umeluleki ngamunye uzodinga ukuthola lolu lwazi ngaphambi kokwenza izincomo kuwe ukuthi yiziphi izimali okufanele ubeke imali yakho.

Uma uvuma, kufanele usayine ifomu futhi ugcine ikhophi kumafayela akho ahlukahlukene.

Mayelana nokutshalwa kwezimali, isikhwama ngasinye, uzodinga ukufaka inani ubuncane ($500 noma $1000). Qaphela ukuthi lesi samba siyaguquguquka, kuya ngesikhwama sokutshalwa kwezimali osikhethele utshalomali lwakho.

⛳️ Ukuvala

Njengoba sesifinyelele esiphethweni se-athikili yethu, lapho bekuwumbuzo kithi wokubona indlela yokutshala izimali ezihlangene, kubonakala sengathi ukutshala imali kuyinto enhle.

Kodwa okokuqala, uzodinga ukwenza ucwaningo noma ufune izeluleko zochwepheshe mayelana nokuthi yisiphi isikhwama ongatshala kuso, usuzihlolile izinjongo zakho futhi wanquma ubude besikhathi sokutshala kwakho imali ngaphambi kokuthenga. Uma ukuthenga sekuqediwe, bheka ukuvela kokutshalwa kwezimali kwakho futhi uma ubona inkinga, thintana nomeluleki wakho ngokuqondile futhi uzokwazi okufanele akwenze.

🌿 Imibuzo Evame Ukubuzwa

✔️Kungenzeka yini ukutshala izimali eziningana?

Ngempela, ungatshala izimali eziningana ngesikhathi esisodwa! Kuncike ezinhlosweni zakho, ngoba ungaba nemigomo ehlukene ebeka utshalomali lwakho kanye nobude bayo.

✔️Yini okufanele uyenze uma uthenge kabi?

Uma uqaphela ukuthi ukuthenga okwenzile akuhambelani nezinjongo zakho, ungakhansela i-oda lokuthenga engakapheli amahora angama-48 wokuthola nokuqinisekiswa kwe-oda lakho. Futhi le mithetho ingahluka ngokwezifundazwe.

Uma kunjalo, sinikeze isithupha bese unikeza impendulo yakho kumazwana ukuze usazise lapho ungathanda sithuthukise khona. Kodwa ngaphambi kokuthi uhambe, nanka amathuluzi angcono kakhulu thuthukisa ukuphathwa kwebhizinisi lakho

Ungakhohlwa ukwabelana ngesihloko nabangani bakho. Sishiyele imibono yakho kumazwana.