Ungayakha kanjani iphothifoliyo yesitoko elinganiselwe

Ukutshala imali ezimakethe zamasheya kuyindlela ethokozisayo yokukhulisa ukonga kwakho esikhathini eside. Kodwa wafaka yonke ingcebo yakhe esitokisini kuhlanganisa nezingozi ezinkulu. Ukuntengantenga kwezimakethe kungaholela ekulahlekelweni kwemali okunzima ukukunqoba uma ungakulungele lokho. Nokho, ukukhathazeka okukhulu yilokhu: Ungakha kanjani iphothifoliyo yemakethe yamasheya?

Isixazululo ukwamukela isu elisebenzayo lokuhlukahluka ngokusebenzisa iphothifoliyo yemakethe yamasheya. Ku ngokufanele ukuhlanganisa amakilasi amafa ahlukene, kungenzeka ukwenza bushelelezi ukusebenza futhi uthole isilinganiso esingcono sokubuyisela/ingozi.

Ukwakha iphothifoliyo ehlukahlukene, nokho, kudinga indlela kanye nokuqina. Kuyadingeka ukuchaza ngokucacile iphrofayela yakho yomtshali-zimali kanye nezinhloso ngaphambi kokukhetha imidiya efanele. Ukuqapha njalo isabelo kubalulekile ukuze kugcinwe ibhalansi ngokuhamba kwesikhathi.

Kulesi sihloko, i-Demian Finance ikunikeza izinto eziyisisekelo zokusetha iphothifoliyo yemakethe yesitoko eqinile nelungile. Kodwa ngaphambi kokuba uhambe, nansi indlela Bukhoma kusuka kuwebhusayithi yakho ezinyangeni ezi-3

Asambe !!

🥀 Chaza ngokucacile iphrofayela yakho yomtshali-zimali

Ngaphambi kokukhetha izibambiso, kubalulekile ukuhlola iphrofayili yakho yomtshali-zimali. ✍️ Yini inhloso yakho? Utshala isikhathi esingakanani? Ingakanani ingozi ozimisele ukuyamukela?

Izimpendulo zakho kule mibuzo zizonquma ukwakheka okuhle kwephothifoliyo yakho.

Umtshali-zimali onolaka onombono omude wokutshala imali uzokwazi ukukhokhela ingxenye enkulu yezabelo. Ngokuphambene, iphrofayili yesikhashana esifushane kufanele ngaphezu kwakho konke thanda izimpahla ezinzile.

🥀 Yamukela ukuhlukahluka okusebenzayo

Ukwandisa isilinganiso sokubuyisela/ingozi, kubalulekile ukwenza kanjalo hlukanisa kahle iphothifoliyo yakho. 📊 Lokhu kusho ukutshala izimali ezinhlotsheni ezahlukene zempahla, izimboni, izindawo, nezitayela zokuphatha.

Ngale ndlela, unciphisa ukuchayeka kwakho engcupheni ethile yokutshalwa kwezimali ngakunye. Ngisho noma omunye wabo engawa, abanye benza kube nokwenzeka ukunxephezela ngokukhawulela ukulahlekelwa kukonke. A ukuhlukahluka okuhlakaniphile kuyindlela engcono kakhulu yokushelela ukusebenza kwakho.

🥀 Ukuthola ibhalansi efanele phakathi kwamakilasi ezimpahla

Isabelo sempahla esilinganiselwe kufanele sihlanganise izinhlobo ezine eziyinhloko zokutshalwa kwezimali : amasheya, izibopho, izindlu, nemali. 🏙️🏦

Izabelomali zizohlinzeka ngokukhula okudingekayo esikhathini eside, kodwa ngokuguquguquka okukhulu. Amabhondi azothuthukisa ukuzinza kwephothifoliyo ngenxa yamakhuphoni akhokhelwe. Izindlu ezithengiswayo kanye nokheshi nakho kuzodlala indima yokuzinzisa.

Inhloso ukusetha amaphesenti avumelaniswe nesimo sakho kusigaba ngasinye salezi zimpahla ezine. Hhayi kakhulu noma kuncane kakhulu.

🥀 Khetha izihloko ngokucophelela

Ephaketheni ngalinye, zinike isikhathi sokukhetha ngokucophelela utshalomali lwakho. 🕵️‍♂️

Mayelana nezabelomali, hlanganisa ukukhula nesaphulelo sesitoko. Diversify kuyo yonke imikhakha ebalulekile. Engeza izilandeleli ngokukhetha ukuze uqedele.

Kumabhondi, khetha lezo zezinkampani ezisezingeni eliphezulu. Ungangeza amabhondi kahulumeni avela emazweni azinzile.

Khetha ama-REIT akho noma indawo ethengiswayo ngokuqinile ngemva kokuhlaziywa kwabaqashi nezindawo. Futhi gcina imali ethile kuzinkampani zenethiwekhi ezingenabungozi.

🥀 Yenza isabelo sakho sihambisane nesimo sakho sokutshala imali

Isabelo sakho phakathi kwezigaba ezahlukene zempahla kufanele sicabangele umkhathi wokutshala kwakho imali. 📅

Uma utshala imali isikhathi eside kakhulu, ungakwazi ukukhokhela ingxenye enkulu yezabelo, ngoba unayo isikhathi sokuxazulula izinkinga.

Kodwa njengoba isikhathi sakho esinqunyiwe sisondela, kuwukuhlakanipha ukunciphisa kancane kancane isisindo sempahla eyingozi ukuze uvune izimpahla ezinzile. Lokhu kubalulekile ukuze uvikele izinzuzo zakho ngaphambi kokutshala imali.

🥀 Yenza ukulinganisa ngezikhathi ezithile

Ngokuhamba kwesikhathi, ukwabiwa kwempahla yakho ngokwemvelo ngeke kulingane ngenxa yezinguquko zemakethe. 📉

Ngakho-ke kubalulekile ukuthi ubuyekeze isabelo sakho njalo, isibonelo njalo ngonyaka, kanye ukulamula uma kunesidingo ukubuyisela amaphesenti okuqala.

Lesi siyalo sokulinganisa kabusha okuphoqelelwe siqinisekisa ukuthi uhlala ugcina izinga lengozi okhululeke ngayo, naphezu kokuguquguquka.

🥀 Hamba nochwepheshe

Uma ungenalo ulwazi, ungangabazi ukufuna izeluleko zochwepheshe ukuze wakhe isabelo sakho. 🤝

Un umeluleki omuhle wezezimali zinike isikhathi sokukhomba ngokucacile izinhloso zakho kanye nephrofayili yakho. Izokuqondisa esinyathelweni ngasinye: incazelo yokwabiwa, ukukhethwa kwezisekelo, ukuqaliswa kokusebenza, ukulamula kanye nokulandelela.

Ukuzizungeza kahle kuyisiqinisekiso sempumelelo ekufezeni izinjongo zakho zokutshala imali ngephothifoliyo eqinile nefanelekile.

🥀 Ukuvala

Ukwakha iphothifoliyo yemakethe yamasheya elinganiselayo kudinga umcabango nendlela, kodwa kungale ntengo lapho ungatshala khona ngokuthula. 😌 Landela lezi zinqubo ezihamba phambili zokwabiwa kwempahla, ukuhlukahluka, nokuqapha njalo.

Futhi ungangabazi ukufuna iseluleko sochwepheshe. Ngaleyo ndlela ubeka wonke amathuba ohlangothini lwakho okukhula okuhle esikhathini eside!

🥀 FAQ: ukwakha iphothifoliyo yemakethe yamasheya ebhalansile

🌱 Ithini iphothifoliyo yesitoko ebhalansisiwe?

Iphothifoliyo yesitoko ebhalansisiwe iyiphothifoliyo ehlukahlukene, ehlanganisa izigaba zezimpahla ezihlukene njengezitoko, amabhondi, izindlu nomhlaba, ukheshi.

Inhloso ukuthola isilinganiso esihle kakhulu sokubuyisela/ingozi ngokusabalalisa imali abayilondolozile ngendlela efanele.

🌱 Ngazi kanjani ukuthi iyiphi ingoma okufanele ngiyithathe kuphothifoliyo yami?

Isabelo sizoncika kuphrofayela yakho yomtshali-zimali. Umtshali-zimali wesikhathi esifushane oqaphile uzoba nempahla ezinzile kunomtshali-zimali wesikhathi eside onolaka.

Sidinga ukuthola ibhalansi efanele esekelwe emigomeni yakho.

🌱 Ingabe kufanele ngibuyekeze ukwakheka kwephothifoliyo yami yesitoko?

yebo, kunconywa ukulinganisa okungenani kanye ngonyaka. Lokhu kuvumela amaphesenti okuqala ukuthi agcinwe naphezu kokuguquguquka kwezimakethe.

🌱 Ngingakwazi ukuphatha iphothifoliyo yami yesitoko ngokwami?

Yebo, kodwa kungcono ukuhambisana nomeluleki wezezimali, ikakhulukazi uma ungenalo ulwazi. Kuzokusiza ukuthi wakhe futhi ulandelele ukwabiwa kwempahla yakho.

🌱 Ingakanani inani elincane elidingekayo ukuze kwakhiwe iphothifoliyo yemakethe yamasheya?

Alikho inani elincane eliphelele. Ngezinkulungwane ezimbalwa zama-euro, usungaqala ukutshala imali emakethe yamasheya usebenzisa izimali noma ama-PEA. Okubalulekile wukuhlukanisa.

🌱 Ingabe kufanele ngitshale ezitokisini kuphela?

hhayi, isabelo esikhulu kakhulu sezabelomali sinyusa ubungozi. Kungcono ukutshala izimali ezigabeni ezahlukene zempahla ngendlela elinganiselayo ukuze uthuthukise isilinganiso sembuyiselo/yengozi.

🌱 Zingaki izihloko ezihlukene okufanele zibe nazo iphothifoliyo yami?

Imigqa ekhethwe kahle eyishumi nambili ngokuvamile yanele ukuthola ukuhlukahluka okuhle. Asikho isidingo sokuqhubekela phambili ngaphandle kokuthi unemali enkulu kakhulu ongayitshala.

🌱 Kufanele uhlole kangaki iphothifoliyo yakho yesitoko?

Iphuzu lanyanga zonke lanele ukuqapha ukuvela kokutshalwa kwezimali kwakho. Rebalance uma ezidingekayo izikhathi 1-2 ngonyaka. Futhi hlala ubukele izindaba zomnotho nezezimali.