Ungatshala kanjani ngemali encane?

Umbono oyiphutha omkhulu mayelana nokutshala imali ukuthi kungokwabacebile kuphela. Esikhathini esedlule, enye yezinganekwane ezivame kakhulu zokutshala izimali ukuthi kuthatha imali eningi ukuze kuphumelele. Nokho, lokhu akulona iqiniso ngaso sonke isikhathi, umuntu angatshala imali encane. Ngisho noma ungenayo imali eningi yokutshala, ungaqala ukwakha iphothifoliyo futhi ukhulise amafa akho.

Eqinisweni, njengoba kunemali eningi etshaliwe manje etholakalayo kwabaqalayo, asikho isizathu sokuthatha isinyathelo. Futhi lokho kuyizindaba ezinhle, ngoba ukutshala imali kuyindlela enhle yokukhulisa ingcebo yakho. Funda uku phatha imali yakho kangcono kuzokwenza uzimele ngokwezimali.

Kulesi sihloko, Finance de Demain Consulting ikubonisa lokho okudingeka ukwazi ukuze wenze umehluko ngekusasa lakho, ngisho noma ucabanga ukuthi awunakho okwanele ongakutshala. Ngamanye amazwi, kanjani ukutshala imali encane? Ngaphambi kokuphendula lo mbuzo, kubalulekile ukwazi ukuthi kungani kufanele sitshale.

🌽 Kungenzeka yini ukutshala imali ngaphandle kwemali?

Unethuba lokuthenga izimpahla ngaphandle kokuba nemali. Ngokusebenzisa isikweletu sasebhange kanye nohlelo lokuzixhasa ngezimali.

Irenti ozoyithola endaweni yakho izodluliswa ngokuqondile njengembuyiselo yezinkokhelo zakho zenyanga zonke zekhredithi. Ukufeza lokhu, iphrojekthi yakho kufanele ikhombise ukusebenza kwayo kanye nesimo sakho somuntu siqu nesezimali. Ngoba udinga lokhu ukuze ukwazi ukukholisa amabhange ukuthi akunikeze imali.

🌽 Yini Abaqalayo Okufanele Bacabangele

Ngaphambi kokuthi uqale, kunezinto ezimbalwa okudingeka ucabange ngazo.

Imigomo yakho nomkhathizwe wesikhathi

Cabangela ukuthi imuphi umgomo ofuna ukuwufinyelela ngokutshala imali kanye nomkhathizwe wakho, isikhathi okufanele usitshale ngaphambi kokufinyelela lowo mgomo. Uma isikhathi somgomo wakho sisifushane, ukutshala imali kungase kungabi okukufanele.

Ukubekezelela ubungozi kanye nokuhlukahluka

Zonke izimali ezitshaliwe zinezinga elithile lobungozi futhi imakethe iyaguquguquka, iyashintshashintsha ngokuhamba kwesikhathi. Kubalulekile ukuthi uqonde ukubekezelela kwakho ubungozi. Lokhu kusho ukuhlola ukuthi ukhululeke kangakanani ngengozi noma ukuthi kungakanani ukuntengantenga ongakwazi ukukumela.

Lapho utshala imali, umthetho omuhle wesithupha akufanele faka wonke amaqanda akho kubhasikidi owodwa. Udinga ukuhlukanisa ukutshalwa kwezimali kwakho. Kunalokho, hlukanisa. Ngokusabalalisa amadola akho ekutshalweni kwezimali okuhlukahlukene, unganciphisa ubungozi bokutshala imali.

Yingakho izimali ezitshaliwe esizichaza ngezansi ngokuvamile zisebenzisa ama-mutual funds noma ama-mutual funds. exchange adayiswa, okuvumela abatshalizimali ukuthi bathenge obhasikidi bezibambiso esikhundleni sesitoko ngasinye namabhondi.

🌽 Ukutshala imali ngemali encane noma engekho 

Isinyathelo sokuqala ukubhalisela inkundla yokutshala imali engabizi kakhulu. Iningi lizokuvumela ukuthi uvule Amasheya ISA ukuze uvikele inzuzo yakho kumkhokhi wentela. Uma usukwenzile lokho, udinga isu lokutshala imali. Nawa amanye amathiphu okutshala imali:

✔️ Faka imali yakho kuma-investimenti

Awudingi ukuba nesamba semali ukuze uqale ukutshala imali. Eqinisweni, kungcono ukutshala imali encane njalo kunokutshala isamba esikhulu ngesikhathi esisodwa.

Ngokutshala imali encane njalo ngenyanga, awukho engozini yokuguquguquka kwezimakethe. Ugcina uthenga amasheya amaningi uma eshibhile futhi embalwa uma ebiza.

✔️ Vumela umeluleki we-robo akutshale imali yakho

Les robo-abacebisi yangena endaweni yokutshala imali eminyakeni eyishumi edlule. Benza ukutshala imali kube lula futhi kufinyeleleke ngangokunokwenzeka. Awudingi noma yikuphi okuhlangenwe nakho kokutshala izimali kwangaphambili ngoba abeluleki be-robo bathatha konke ukuqagela ekutshaleni imali.

Abeluleki beRobo basebenza ngokubuza imibuzo embalwa elula ukuze banqume umgomo wakho kanye nokubekezelela ubungozi, bese utshala imali yakho kuphothifoliyo yamasheya ahlukahlukene kakhulu, angabizi kakhulu namabhondi. Robo-abacebisi bese usebenzisa ama-algorithms ukuze uqhubeke ulinganisela kabusha iphothifoliyo yakho futhi uyisebenzisele izintela.

Ayikho indlela elula yokuqalisa ngokutshala imali yesikhathi eside. Abacebisi abaningi be-robo badinga imali encane kakhulu ukuze baqale ukutshala imali futhi bakhokhise imali encane kakhulu kuye ngosayizi we-akhawunti yakho.

Uma kukhona okungahambi kahle kubacebisi be-robo, yizindleko lezi. Abacebisi beRobo bakhokhisa imali yonyaka elingana nephesenti elincane lebhalansi yakho.

✔️ Qala ukutshala imali emakethe yamasheya ngemali encane

Uma kufikaukutshala imali ezimakethe zamasheya, izindleko ngokuvamile ziyisithiyo sokungena. Kudingeka imali eyengeziwe ukwenza imali, akunjalo? I-inthanethi yenze kwaba lula kubathengi ukuthi baqalise ngemali encane kakhulu yangaphambili.

Lokhu kusho ukuthi ungatshala amadola ambalwa ukuze uzijwayeze ngokutshala imali ngaphambi kokwenza isibopho esikhulu. Kuyindlela enhle yokufunda indlela yokutshala imali ngenkathi ubeka imali encane kakhulu engcupheni.

Namuhla, kunezinketho eziningi ezivulekele isizukulwane esisha sabatshalizimali. Ungaqala futhi iphansi njenge-$1 futhi ungakhokhisi noma iyiphi ikhomishini yokuthengisa.

Esikhathini esedlule, abathengisi babekhokhisa amakhomishini amadola amaningi isikhathi ngasinye lapho uthenga noma uthengisa izitoko. Lokhu kwenze kwabiza kakhulu ukutshala ngisho kusitoko esisodwa esingaphansi kwamakhulu noma izinkulungwane zamadola.

Eqinisweni, $0 amakhomishini kuwo wonke amaphothifoliyo aphumelele kangangokuthi aphazamisa yonke imboni yokutshala izimali futhi aphoqa bonke abadayisi abakhulu ukuba balandele futhi balahle amakhomishini okuhweba.

✔️ Tshala imali isikhathi eside

Ukutshala imali encane inyanga ngayinye kungase kubonakale kungenamsebenzi, kodwa kuqhubeke Iminyaka engama-20 noma engama-30, kungenzeka ukuthi wakhe ibhodwe elikhulu kakhulu. Uma uhlose ukugcina imali yakho itshaliwe amashumi eminyaka, ungakwazi ukukhokhela ingozi enkulu kunomuntu ongase adinge ukufinyelela emalini yakhe eminyakeni embalwa ezayo.

Ukutshala imali okwesikhathi eside ngoba uma umkhathi wokutshala kwakho ukhula, kuba nesikhathi esiningi sokunqoba izikhathi ezimbi njengoba amanani azobuya. Ngakho, ukutshala imali ohlelweni lokuthatha umhlalaphansi kuyindlela enhle yokwenza lokho.

✔️ Tshala Ezimalini Zenkomba

Izimali zenkomba zifana nezimali ezihlanganyelwe ku-autopilot: esikhundleni sokuqasha umphathi ochwepheshile ukuze akhe futhi agcine iphothifoliyo yokutshala imali yesikhwama, izimali zenkomba zilandela inkomba yemakethe.

Inkomba yemakethe iwukukhethwa kokutshalwa kwezimali okumelela ingxenye yemakethe. Ngu isibonelo, i-S&P 500 iyinkomba yemakethe yamasheya ephethe amasheya cishe ezinkampanini ezinkulu ezingama-500 e-United States. Isikhwama senkomba se-S&P 500 sizohlose ukulandelela ukusebenza kwe- I-S&P 500, ngokuthenga amasheya ale nkomba.

Ngenxa yokuthi izimali zenkomba zithatha indlela yokutshala izimali ngokulandela umkhondo wenkomba yemakethe kunokusebenzisa ukuphathwa kwephothifoliyo yobungcweti, zivamise ukuba nezilinganiso eziphansi zezindleko - izimali ezikhokhiswayo ngokusekelwe enanini oyitshalile - kunezimali ezihlangene.

Kodwa njengezimali ezihlanganyelwe, abatshalizimali ezimalini zenkomba bathenga ingxenye yemakethe ngokuthengiselana okukodwa.

Izimali zenkomba zingase zibe nezidingo ezincane zokutshala izimali. Amanye amafemu okuhweba anikezela ngokukhethwa kwezimali zenkomba ngaphandle kokuncane. Lokhu kusho ukuthi ungaqala ukutshala imali esikhwameni senkomba ukuze ngaphansi kuka-$100. Funda kabanzi mayelana nezinkomba zesitoko lapha…

✔️Invest sibonga isimo se-SCPI ngaphandle kwemali

Uzodinga ukwazi lokho i-SCPI iyinhlangano yomphakathi ukutshalwa kwezimali kwezindlu ezithengiswayo okukunikeza ithuba lokutshala imali ngaphandle kokuthatha imali ebolekiwe ngokuthatha amasheya nje.

Lolu hlobo lokutshalwa kwezimali lunikezwa noma lubolekwe labo abanesimo sochwepheshe noma somuntu siqu noma ngabe bazinzile noma cha.

Ukuze uthathe amasheya, kufanele ukhokhe isamba esithile semali ebiza izinkulungwane ezimbalwa zama-euro ezokunikeza ithuba lokuthola imali engenayo ekupheleni kwenyanga ngayinye noma ikota.

Inzuzo enkulu ozoba nayo ngokusebenzisa i-SCPI ukutshala imali ukuthi akudingeki ukhathazeke nganoma yini. Yile nkampani ngokwayo elawula abaqashi kanye nerenti ekupheleni kwenkathi ngayinye. Uma usuthole umthengi, ungathengisa amasheya akho ngaphandle kokuphoxeka.

✔️ Tshala imali ngokusebenzisa i-crowdfunding ngaphandle kwemali

Uma ungeke ukwazi ukutshala imali nge-SCPI, unenketho yesibili okuyi-real estate crowdfunding, okuwuhlobo olusha lokutshalwa kwezimali. Lolu hlobo lokutshalwa kwezimali lutholwa futhi lugadwe nguIgunya Lemakethe Yezezimali okuyiFinancial Markets Authority.

Isebenza kalula kakhulu. Ubolekisa ngemali komunye wabathuthukisi ukuze akwazi ukuxhasa ngezimali futhi asethe iphrojekthi yakho yezindlu ezithengiswayo.

Ukuze ufanelekele lokhu, uzodinga ukuba nemvilophu okungenani u-£1, ongafaka ngayo imbuyiselo phakathi kuka-8 no-10% ngonyaka esikhathini esisukela Izinyanga eziyi-12 kuye kwezingama-36 noma unyaka owodwa kuya kwemi-1.

✔️ Faka imali ku-dropshipping ngaphandle kwemali

Qala uhambo lwakho lwe-dropshipping at Isikali esincane ngokuthenga umkhiqizo oyisampula kuphela kumphakeli wakho. Lokhu kuzonciphisa ubungozi ekuqaleni futhi kukuvumela ukuthi uqinisekise umbono wakho ngenani eliphansi.

Lungiselela iwindi ngangokunokwenzeka esitolo sakho esehlisayo usebenzisa amapulatifomu amahhala afana ne-Shopify ne-Oberlo. Sebenza ngesithombe sakho somkhiqizo nolwazi lomsebenzisi ngaphambi kokutshala imali ekukhangiseni.

Gxila ekukhangiseni okuphilayo ezinkundleni zokuxhumana ngokwakha nokusebenzisa amakhasi akhangayo ku-Facebook, Instagram, TikTok. Amazwi omlomo angakusiza thuthukisa ukuthengisa kwakho.

Khetha imikhiqizo esemfashinini, enemajini ephezulu ukuze unxephezele umthamo we-oda wasekuqaleni ophansi. Ucwaningo lwe-Niche lubalulekile! 🌟 Faka kabusha imali yakho inzuzo yokuqala ukuthenga i-inventory eyengeziwe futhi ukhokhele ukukhangisa okuhlosiwe uma umqondo wakho usuqinisekisiwe.

Yiba nesineke futhi uphikelele, lo ukwehla kudinga umzamo wesikhathi eside ngaphambi kokuba wenze inzuzo. Kodwa nge-motivation, ungakwena lokhu!

✔️ Sebenzisa imali yomuntu wesithathu

Ucabanga ukuthi labo abaphumelele namuhla bakwenzile lokho ngenxa yezimali zabo? Qaphela ukuthi uma imisebenzi eminingi iqhubeka nokuncibilika, abatshalizimali bafuna ukuxhaswa ngezimali. Njengomthombo wezimali, singabala:

🟢Ukuthanda imali

thanda imali isenzo umuntu aqala ngaso ibhizinisi ngemali yomngane noma isihlobo. Enye indlela ekhawulelwe kancane kunokufaka isicelo sekhredithi esikhungweni sezezimali, imali yothando iphendula kunengqondo ecacile, okubonisa ukusondela nokwethembana.

Kuhlanganisa ukuvumela izihlobo (abangane, imindeni, ithimba) ukuthi zisekele ngokwezimali umholi wephrojekthi ekudaleni ibhizinisi lakhe.

Ukutshala ngemali yomuntu okuthembayo futhi ongakwazi ukucela isiqinisekiso njengembuyiselo kunenzuzo enkulu. Futhi imalimboleko yakho izosuselwa ekuthembeni yilo muntu akunika kona.

🟢 Hlangana nababolekisi abazimele bezinkampani

Uma kufika isikhathi sokuthola imali, uzobadinga ngempela laba bantu. Yazi ukuthi ababolekisi abazimele bangabambisene ababaluleke kakhulu kwizindlu ezithengiswayo.

Kodwa angeke bakwenze njengalapho thanda imali Ngokubuyisela imali yabo, bayokucela imbuyiselo kanye nesiqinisekiso kwesinye sezakhiwo osuvele unaso noma kuleso ofuna ukutshala kuso.

Ukunquma ekhaya, akuthathi isikhathi njengamabhange. Izakhi ezisekelwe kuzo zivumelana nezimo kakhulu kunalezo zamabhange futhi zikulungele ukuthatha ubungozi obukhulu.

Okuyinzuzo yakho ngempela. Ekwenzeni kwakho, thatha laba babolekisi abazimele njengozakwethu. Ababambiqhaza abazokunikeza ithuba lokwenza inzuzo ephezulu ngokushintshanisa ingxenye yale nzuzo ngendlela yenzalo noma izinkokhelo ezihlukahlukene.

Hlangana nababolekisi abazimele

Ingabe unaye umuntu omaziyo (umngane noma ilungu lomndeni) onokulingana endaweni? Banendawo futhi abayisebenzisi le mpahla ukuyikhulisa.

Ungabanika iphesenti eliphezulu kancane kunenzalo enikezwa amabhange. Lokhu kusho ukuthi omuhle ukuthola imali. Izimo ngeke zibe nzima njengezinye izindlela zokuthola imali.

Hlangana nomxhasi

Uma esikhathini esidlule uye wathola isikweletu ongasiphathanga kahle futhi amabhange awasakwethembi, kungenzeka ukuthi kube khona oseduze kwakho eze ezokuvumela.

Yiba umnikezeli wakho wesikweletu uma wehluleka ukubuyisela imali oyibolekile. Uma usebenzisa i-endorser, kuzomele uqaphe kakhulu. Ubudlelwano bakho busengozini.

🟢 Hlangana nomthengisi ngokwakhe

Umthengisi ngokwakhe angaba umthombo wokukuxhasa ngezimali. Ngokuvamile, kungase kwenzeke ukuthi ngesikhathi sokuthengiswa kwempahla umthengisi wakho avume ukuhlala edayiswa.

Lokho esijwayele ukukubiza ngokuthi " ibhalansi yokuthengisa ". Esikhundleni sokuthi athole yonke impahla, uvele abambe ingxenye yaleyo mali bese kuthi enye ayithole ngokwemibandela yenkontileka enizoba nayo ndawonye.

🟢 Ngokusebenzisana nabo, yenza imali ngabasebenzi bakho

Ake sithi uqala ucwaningo, ube uchwepheshe futhi ufuna ukusisebenzisa ngokugcwele isikhathi sakho.

Isibonelo, uzothola isakhiwo, uzosiphatha futhi ngokushintshanisa, uzothola amasheya ngokuba nguzakwethu.

Isiphetho

Ziningi izindlela zokuqala ukutshala imali ngemali encane, ngezinkundla eziningi eziku-inthanethi nezisekelwe kuhlelo lokusebenza ezenza izinto zibe lula kunangaphambili. Okufanele ukwenze ukuqala ndawana thize. Uma usukwenzile, kuzoba lula ngokuhamba kwesikhathi futhi ikusasa lakho lizokuthandela lokho.

Uma ungomunye wochwepheshe kulo mkhakha, bese usishiyela isipiliyoni sakho kumazwana. Kodwa ngaphambi kokuthi uhambe, nakhu ukuqeqeshwa okukuvumela ukuthi ukwazi ukuphatha kahle izimali zakho.