Izinzuzo kanye nokubi kweminye imikhiqizo yezezimali

Imikhiqizo yezezimali isenhliziyweni yesistimu yezezimali. Imikhiqizo yezezimali ukutshalwa kwezimali okusetshenziselwa ukufeza imigomo yezezimali. Ziza ngezindlela eziningi ezahlukene futhi zingasetshenziswa ukufeza uhla lwezinjongo, kusukela ekongeni umhlalaphansi kuya ekutshaleni imali ebhizinisini.

Imikhiqizo yezezimali ingamathuluzi noma izinkontileka ezingasetshenziswa njengokutshalwa kwezimali. Ziza ngezindlela eziningi ezahlukene, njengamasheya, amabhondi, izimali ezihlanganyelwe, ama-ETF, kanye nezindawo ezithengiswayo.

Imikhiqizo yezezimali isetshenziselwa ukwakha ingcebo futhi ufinyelele imigomo yezezimali. Angasetshenziselwa ukonga imali yomhlalaphansi, ukuthenga indlu noma ukutshala imali ebhizinisini.

Imikhiqizo yezezimali ihlukile kwezinye izimali ezitshaliwe ngoba ilawulwa uhulumeni futhi inokuvikela okuthile. Isibonelo, lo mutual fund, Ama-ETF namasheya alawulwa yi-SEC, kanti amabhondi alawulwa nguMgcinimafa.

Kulokhu okuthunyelwe kwebhulogi, sizobhekisisa izinhlobo ezahlukene zemikhiqizo yezezimali, okuhle nokubi, nokuthi ungathola kanjani okuningi kuyo. Sizophinde sibheke ubungozi obukhona nokuthi singabulawula kanjani.

Asambe !!

♻️ Izinzuzo zemikhiqizo yezezimali

Imikhiqizo yezezimali inezinzuzo eziningi. Ziwuketshezi kakhulu, okusho ukuthi ungakwazi ukuziguqula zibe ukheshi kalula. Banganikeza nembuyiselo ephezulu kunezinye izinhlobo zokutshalwa kwezimali.

Imikhiqizo yezezimali nayo iyazuza ekuvikelweni okuthile. Isibonelo, mutual funds, Ama-ETF namasheya alawulwa yi-SEC, kanti amabhondi alawulwa nguMgcinimafa. Lokhu kuqinisekisa ukuthi ukutshalwa kwezimali kukhona iphephile futhi ivikelekile.

Okokugcina, imikhiqizo yezezimali inikeza ukuhlukahluka. Ngokutshala imali emikhiqizweni ehlukahlukene yezezimali, ungasabalalisa ubungozi bakho futhi wehlise ukuntengantenga kwephothifoliyo yakho.

⛳️ Izinhlobo zemikhiqizo yezezimali

Kunezinhlobonhlobo zemikhiqizo yezezimali etholakala kubatshalizimali. Nasi isifinyezo sezinye zezinhlobo ezidume kakhulu zemikhiqizo yezezimali:

👉 Tshala imali ezitokisini

Amasheya awuhlobo lomkhiqizo wezezimali omele ubunikazi benkampani. Uma uthenga isitoko, uthenga ingxenye yenkampani kanye nenzuzo yayo.

Ukutshala imali esitokweni kungaba yindlela enhle yokuthola imbuyiselo ngoba kukuvumela ukuthi uzuze empumelelweni yenkampani. Izinzuzo zamasheya zisemandleni azo enzuzo ephezulu, ikakhulukazi esikhathini eside. Ukwengeza, ukuba namasheya kukuvumela ukuthi uzuze ezinzuzweni ezikhokhwa inkampani kubanikazi bamasheya. Nokho, amasheya nawo anokwehla okuphawulekayo.

Ukutshala imali esitokweni kuhlanganisa nezingozi. Inani lamasheya lingase lehle noma lehle, futhi asikho isiqinisekiso sokubuyiselwa. Ukwengeza, inkampani oyitshale imali ingase iphelelwe yimali, okuholela ekulahlekelweni yimali oyitshalile.

Ukwengeza, ukutshala izimali ezitokisini kudinga ukuhlaziywa okujulile nokuqonda ukuthi ibhizinisi lisebenza kanjani.

👉 Tshala imali ngezimali ezihlanganyelwe

Izimali ezihlanganyelwe ziwuhlobo lomkhiqizo wezezimali ohlanganisa ukutshalwa kwezimali kwabantu abaningi. Imali ibe isisetshenziselwa ukuthenga izimpahla ezihlukahlukene, njengamasheya, amabhondi kanye nokheshi.

Ukutshala izimali ku-mutual funds kunikeza ukuhlukahluka ngoba kukuvumela ukuthi usabalalise ubungozi bakho ezimpahleni ezahlukahlukene. Futhi, i-mutual funds iphethwe ngokomsebenzi, okusho ukuthi akudingeki ukhathazeke ngokucwaninga nokuphatha ukutshalwa kwezimali kwakho.

Kodwa-ke, ukutshala izimali ku-mutual funds kungabiza, njengoba kufanele ukhokhe izimali zokuphatha nezinye izindleko. Futhi, asikho isiqinisekiso sokusebenza.

👉 Faka imali kumabhondi

Les izibopho ziwuhlobo lomkhiqizo wezezimali omele imali mboleko. Uma utshala imali kumabhondi, uboleka imali ngendlela ephumelelayo kokhiphayo. Okhiphayo ube esekukhokhela nenzalo.

Ukutshala imali kumabhondi kungaba indlela enhle yokuthola imbuyiselo evamile. Amabhondi nawo awanayo ingozi encane kunezinye izimali ezitshaliwe ngoba aqinisekiswa ngumkhiphi.

Nokho, izibopho kungaba ngaphansi kwengozi yezinga lenzalo. Uma izinga lenzalo likhuphuka, inani lamabhondi akho lizokwehla. Futhi, amabhondi angaba nzima ukuwaqeda ngoba asikho isiqinisekiso sokuthi uzothola umthengi.

👉 Ukutshala imali kuma-ETF

Les ukushintshanisa izimali ezihwetshiwe (Ama-ETF) awuhlobo lomkhiqizo wezezimali olandelela ubhasikidi wezimpahla. Ama-ETF afana nezimali ezihlanganyelwe, kodwa athengiswa emakethe yamasheya.

Ukutshala imali kuma-ETF kunikeza ukuhlukahluka ngoba utshala kubhasikidi wezimpahla. Ngaphezu kwalokho, ama-ETF ajwayelekile ishibhile kune-mutual funds, njengoba zingekho izimali zokuphatha.

Kodwa-ke, ama-ETF angashintshashintsha ngoba angaphansi kwamandla emakethe afanayo namasheya. Futhi, asikho isiqinisekiso sokusebenza.

👉 Tshala imali ku-real estate

Izindlu ezithengiswayo wuhlobo lomkhiqizo wezezimali obandakanya ukuthengwa nokudayiswa kwezindlu ezithengiswayo. Ukutshala imali kuzindlu ezithengiswayo kungaba yindlela enhle yokukhiqiza imbuyiselo, njengoba izakhiwo zingenza ukwanda kwenani ngokuhamba kwesikhathi.

Nokho, ukutshala izimali ezithengiswayo kuhilela izingozi. Inani lesakhiwo lingase lehle futhi imbuyiselo ayiqinisekisiwe. Ngaphezu kwalokho, ukuphathwa ingcebo kungaba kuyabiza futhi kuthatha isikhathi.

👉 Faka imali kuma-cryptocurrencies

Ama-Cryptocurrencies awuhlobo lomkhiqizo wezezimali oncike kubuchwepheshe be-blockchain. Ama-Cryptocurrencies ayanda kakhulu eminyakeni yamuva nje ngoba ayanikela amandla okukhiqiza aphezulu.

Kodwa-ke, ukutshala imali kuma-cryptocurrencies kuza nezingozi. THE ama-cryptocurrencies aguquguquka kakhulu, futhi asikho isiqinisekiso sokusebenza. Ukwengeza, ama-cryptocurrencies awalawulwa, okusho ukuthi awavikelwe nguhulumeni.

Ama-akhawunti okulondoloza

Ama-akhawunti okulondoloza ayimikhiqizo yezezimali evamile evumela abantu ukuba bafake imali yabo esikhungweni sezimali, njengebhange, ngenhloso yokuyonga nokuyikhulisa.

Izinzuzo zama-akhawunti okulondoloza zifaka imali ephezulu, okusho ukuthi ungakwazi ukufinyelela kalula imali yakho uma kudingeka. Ukwengeza, ama-akhawunti okulondoloza ngokuvamile abhekwa njengaphephile futhi ngokuvamile anikeza inzalo eqinisekisiwe.

Kodwa-ke, okubi kwama-akhawunti okonga kuyimbuyiselo yawo ngokuvamile ephansi, okungenzeka ingahambisani nokwehla kwamandla emali, okunganciphisa amandla okuthenga emali yakho ngokuhamba kwesikhathi.

I-Crowdfunding

I-Crowdfunding, eyaziwa nangokuthi i-crowdfunding, imodeli yezimali evumela inani elikhulu labantu ukuthi banikele ngokwezimali kuphrojekthi noma ibhizinisi.

Lokhu kungenye yemithombo evamile yokuxhasa ngemali njengamabhange noma abatshalizimali bezikhungo. Nazi ezinye izinzuzo kanye nokubi kwe-crowdfunding:

Izinzuzo ze-crowdfunding

1. Ukufinyelela kwezezimali: I-Crowdfunding inikeza ithuba lokuxhasa ngezimali amaphrojekthi noma amabhizinisi okungenzeka abe nobunzima bokuthola imali mboleko yasebhange noma ukuheha abatshalizimali bendabuko.
2. Ukuqinisekiswa kombono: I-Crowdfunding ivumela abaholi bephrojekthi ukuthi bahlole umbono wabo nomphakathi futhi balinganise intshisekelo nesidingo ngaphambi kokuyiqalisa.
3. Ukuhlanganyela Komphakathi: I-Crowdfunding ikuvumela ukuthi ubandakanye umphakathi wabantu abasekela iphrojekthi, okungadala umuzwa wokuba ngowabanye nokwethembeka enkampanini noma kuphrojekthi exhaswayo.
4. Amandla okuthengisa : Umkhankaso we-crowdfunding ungasebenza njengenkundla yokumaketha ukukhuthaza iphrojekthi noma ibhizinisi, ngaleyo ndlela uhehe ukunaka kwabezindaba kanye nezithameli eziningi.

Ukungalungi kwe-crowdfunding

1. Ukungaqiniseki ngezimali: Asikho isiqiniseko sokuthi umkhankaso wokuqoqa imali ngabantu abaningi uzofinyelela umgomo wawo wezezimali. Uma umgomo ungafinyelelwa, izimali eziqoqiwe zingabuyiselwa kubanikeli futhi iphrojekthi ingase ingaxhaswa.
2. Ukuncintisana okwandisiwe: Ngokuthandwa okukhulayo kwe-crowdfunding, kungaba nzima ukugqama phakathi kwemikhankaso eminingi eqhubekayo. Ukuncintisana kungenza kube nzima ukufeza inhloso yokuxhasa ngezimali.
3. Isibopho sabanikeli: Abaholi bephrojekthi banomthwalo wemfanelo kubanikeli futhi kufanele bagcine izithembiso zabo mayelana nokuletha umkhiqizo noma ukwenza umsebenzi. Ukwehluleka ukuthobela izibopho kungalimaza isithunzi senkampani.
4. Ukudalulwa kolwazi olubucayi: Ngesikhathi somkhankaso wokuqoqa imali, kungase kudingeke ukuthi kudalule ulwazi olubucayi mayelana nephrojekthi noma inkampani, okungase kulethe ubungozi mayelana nokugcinwa kuyimfihlo noma ukuvikelwa kwempahla yengqondo.

Kubalulekile ukuqaphela ukuthi umkhankaso ngamunye we-crowdfunding uhlukile futhi ungase ube nezinzuzo zawo kanye nokubi. Abaholi bephrojekthi bayanconywa ukuthi bahlole ngokucophelela isimo sabo nezinjongo zabo ngaphambi kokuqala umkhankaso wokuqoqa imali. Funda futhi mayelana Islamic crowdfunding.

♻️ Izinzuzo kanye nokubi kwemikhiqizo ehlukene yezezimali.

Imikhiqizo yezezimali ingaba yithuluzi eliwusizo lokukusiza ufinyelele izinjongo zakho zezezimali. Kodwa-ke, kubalulekile ukuqonda ubuhle nobubi bemikhiqizo yezezimali eyahlukene ngaphambi kokutshala imali.

Amasheya kanye ne-mutual funds kunikeza ithuba lokuthola isivuno esiphezulu, kodwa futhi banezingozi.

Amabhondi awanayo ingozi encane, kodwa angase anganikezi imbuyiselo efana nokunye ukutshalwa kwezimali. Ama-ETF anikezela ngokuhlukahluka futhi anjalo ngokuvamile eshibhile, kodwa zingashintshashintsha.

Izindlu ezithengiswayo zingaba indlela enhle yokukhiqiza imbuyiselo, kodwa kungaba njalo kuyabiza futhi kudla isikhathi ukuphatha. I-Cryptocurrencies inikeza a amandla okukhiqiza aphezulu, kodwa ziguquguquka kakhulu futhi azilawulwa.

♻️ Ukuvala

Imikhiqizo yezezimali ingaba yithuluzi eliwusizo lokukusiza ufinyelele izinjongo zakho zezezimali. Kodwa-ke, kubalulekile ukuqonda ubuhle nobubi bemikhiqizo yezezimali eyahlukene ngaphambi kokutshala imali.

Amasheya, amabhondi, ama-mutual funds, ama-ETF, izindlu nezindlu ezithengiswayo kanye ne-cryptocurrencies konke kunezazo izingozi eziningi kanye nemivuzo. Ngokuqonda okuhle nokubi ngakunye, ungenza isinqumo unolwazi futhi wandise imbuyiselo yakho.

Uma kuziwa ekutshaleni imali, kubalulekile uku hlukanisa iphothifoliyo yakho futhi ulawule ubungozi. Ngokutshala imali emikhiqizweni ehlukahlukene yezezimali, ungasabalalisa ubungozi bakho futhi wehlise ukuntengantenga kwephothifoliyo yakho.

Imikhiqizo yezezimali ingaba yindlela enhle ukwakha ifa futhi ufinyelele imigomo yakho yezezimali. Ngokuqonda okuhle nokubi kwemikhiqizo ehlukene yezezimali, ungenza isinqumo unolwazi futhi wandise imbuyiselo yakho.

Sishiyele imibono yakho kumazwana. Kodwa ngaphambi kokuthi uhambe, nansi indlela yokudala i-akhawunti I-PayPal Awunayo Umkhawulo-Dala I-akhawunti Eqinisekisiwe E-Afrika