Izindlela zokutshala imali nokonga ngobuhlakani

Ukutshala imali nokonga kuyizinto ezimbili izinqumo ezibaluleke kakhulu zezezimali ukuthi ungathatha. Kungaba nzima ukwazi ukuthi ungaqala kuphi, ikakhulukazi uma umusha ekutshaleni imali nokonga. Ngakho-ke kuyadingeka tshala futhi wonge ngokuhlakanipha.

Ukutshala imali nokonga kuyizinto ezimbili izinqumo ezibaluleke kakhulu zezezimali ukuthi ungathatha. Ukutshala nokulondoloza imali yakho ngokuhlakanipha kungakusiza wakhe ingcebo, uzuze ukulondeka ngokwezimali, futhi lungiselela umhlalaphansi wakho.

Nakuba kungase kube nzima ukuqala ukutshala izimali, ukuqonda okuyisisekelo nokwakha isu kungakusiza wenze izinqumo ezihlakaniphile mayelana nezimali zakho.

Kunezinhlobo eziningi zokutshalwa kwezimali, okuhlanganisa amasheya, amabhondi, izimali mutual funds, izimali ezihweba ngokuhwebelana (ETFs) kanye nezindawo ezithengiswayo. Uhlobo ngalunye lokutshalwa kwezimali luphethe amazinga ahlukene engcuphe kanye nomvuzo ongaba khona.

Kubalulekile ukuqonda izinhlobo ezahlukene zokutshala izimali nokuthi zisebenza kanjani ukuze ukwazi ukuthatha izinqumo ezinolwazi mayelana nokuthi ungayitshala kuphi imali yakho.

Ukonga imali yikho konke kubaluleke njengokuyitshala. Ziningi izindlela zokonga, njengokufaka imali e-akhawuntini yokonga, ukutshala imali esitifiketini sediphozi (CD), noma ukubeka imali eceleni e-akhawuntini yomhlalaphansi.

Asambe !!

🛍 Izinzuzo zokutshala imali nokonga

Ukutshala imali nokonga kungakusiza yakhe ifa futhi ulungiselele umhlalaphansi wakho. Ukutshala izimali kungakusiza futhi ukuthi uhlukanise iphothifoliyo yakho, enganciphisa ingcuphe yokulahlekelwa futhi ikunikeze inzuzo enkulu ekutshaleni kwakho.

Ngaphezu kwalokho, ukutshala imali kungakusiza ukuthi ukhulise imali yakho ngokushesha kunokuba umane uyitshale ngendlela elula i-akhawunti yokulondoloza.

Ukonga imali kubalulekile njengokuyitshala. Ukuba nemali yezimo eziphuthumayo kungakusiza ukuthi ubhekane nezindleko obungazilindele futhi kukuvimbele ekungeneni ezikweletini.

Ukwengeza, ukonga kungakusiza ufinyelele izinjongo zakho zezezimali zesikhathi esifushane nezesikhathi eside. Noma ngabe ulondolozela indlu, umhlalaphansi noma iholidi, yiba nohlelo futhi ubeke imali eceleni njalo ingakusiza ukufeza izinhloso zakho.

♻️ Izinhlobo zokutshalwa kwezimali

Kunezinhlobo eziningi zokutshala izimali, okuhlanganisa amasheya, amabhondi, izimali ezihlanganyelwe, izimali ezihweba ngokuhwebelana (ETFs), kanye nezindlu ezithengiswayo.

Uhlobo ngalunye lokutshalwa kwezimali luphethe amazinga ahlukene engcuphe kanye nomvuzo ongaba khona. Kubalulekile ukuqonda izinhlobo ezahlukene zokutshala izimali nokuthi zisebenza kanjani ukuze ukwazi ukuthatha izinqumo ezinolwazi mayelana nokuthi ungayitshala kuphi imali yakho.

Izenzo ziwuhlobo lokutshalwa kwezimali olunganikeza imbuyiselo ephezulu, kodwa futhi luthwale izinga eliphezulu lobungozi, njengoba izintengo zesitoko zingashintshashintsha.

Izibopho ziwuhlobo lwezibambiso zezikweletu ezikhokha isilinganiso esinqunyiwe senzalo futhi ngokuvamile zinengozi ephansi kunezitoko.

Izimali ezihlanganyelwe ziwuhlobo lokutshalwa kwezimali oluhlanganisa imali yabatshalizimali abaningi futhi lutshale ezinhlobonhlobo zamasheya, amabhondi, nezinye izibambiso.

I-Exchange Traded Funds (ETFs) ziyafana nezimali ezihlanganyelwe, kodwa zithengiswa ngokuhwebelana futhi ngokuvamile zinezindleko eziphansi kunezimali ezihlanganyelwe.

Ukutshalwa kwezimali kwezindlu kungaba yindlela enhle yokuhlukanisa iphothifoliyo yakho futhi kunikeze amathuba okukhula kwezimali zesikhathi eside.

🛍 Izici zengozi yokutshalwa kwezimali

Ngaphambi kokutshala imali, kubalulekile ukuqonda izinhlobo ezahlukene zezingozi zokutshala izimali. Izinto eziningi zingathinta inani lemali oyitshalile, okuhlanganisa ukuntengantenga kwemakethe, ukwehla kwamandla emali kanye isilinganiso senzalo.

Ngaphezu kwalokho, okunye ukutshalwa kwezimali kungase kube yingozi kunezinye - isibonelo, ukutshala izimali ezitokisini kuhilela ingozi enkulu kunokutshala amabhondi.

Kubalulekile ukuqonda ukubekezelela kwakho ubungozi futhi utshale imali ngokuya ngephrofayili yakho yobungozi. Uma ungumtshali-zimali olondolozayo, cishe uzofuna ukuthanda ukutshalwa kwezimali okunengozi ephansi kanye nembuyiselo ephansi. Uma ungumtshali-zimali onolaka kakhulu, ungase uzimisele ukuzifaka engozini eyengeziwe ukuze uthole imbuyiselo ephezulu.

♻️ Amasu okukhulisa ukonga kwakho

Ukonga kubaluleke njengokutshala imali. Ukuba nemali yezimo eziphuthumayo kungakusiza ukuthi ukhokhele izindleko obungalindelekile futhi ungangeni esikweletini. Ukwengeza, ukulondoloza kungakusiza finyelela imigomo yakho yezezimali isikhathi esifushane neside.

Kungakhathaliseki ukuthi ulondolozela indlu, umhlalaphansi noma iholidi, ukuba nohlelo kanye nokubeka eceleni imali njalo kungakusiza ufinyelele imigomo yakho.

Elinye isu lokonga imali uku setha ukudlulisa okuzenzakalelayo kusukela ku-akhawunti yakho yokuhlola kuya ku-akhawunti yakho yokonga njalo ngenyanga. Kungakusiza ukwakha ukonga kwakho ngaphandle kokuthi ucabange ngakho.

Futhi, ukusetha izinkokhelo ezizenzakalelayo zezikweletu zakho kungakusiza ukuthi uhlale wazi ezinkokhelweni zakho futhi ugweme izinkokhelo sekwephuzile.

Ungakwazi futhi ukonga imali ngokunciphisa izindleko zakho zanyanga zonke. Bheka izindleko zakho futhi ubone lapho ungonga khona imali. Kungasiza futhi ukusetha ibhajethi futhi ulandelele indlela osebenzisa ngayo imali ukuze uqiniseke ukuthi uhlala usendleleni efanele.

🛍 Yini okufanele uyiqaphele lapho utshala imali

Uma utshala imali, kubalulekile ukuqaphela imikhonyovu nokukhwabanisa. Kubalulekile ukwenza ucwaningo lwakho futhi uqiniseke ukuthi usebenzisana nenkampani esemthethweni hhayi umkhonyovu.

Futhi, kubalulekile ukuqonda izinhlobo ezahlukene zokutshala izimali nokuthi zisebenza kanjani ukuze wenze izinqumo ezinolwazi mayelana nokuthi ungayitshala kuphi imali yakho.

Kubalulekile futhi ukwazi izimali nezintela ezihlobene nokutshalwa kwezimali. Izinkokhelo zinganciphisa imbuyiselo yakho, ngakho-ke kubalulekile ukuqonda izinkokhelo ezihlukene ezihlobene nokutshalwa kwezimali ngakunye.

Ukwengeza, izintela zingaba nomthelela omkhulu enzuzweni oyitshalile, ngakho-ke kubalulekile ukuqonda imithelela yentela yokutshalwa kwezimali ngakunye.

♻️ Amasu okutshala imali ezigabeni ezahlukene zempilo

Amasu okutshalwa kwezimali kufanele ahambisane nezinjongo zakho kanye nesigaba sempilo.

Isibonelo, Uma usemncane futhi usanda kuqala ukutshala imali, ungase uthande ukugxila ekutshalweni kwezimali okunenzuzo ephezulu. Kodwa futhi okuveza izinga eliphezulu lobungozi.

Uma uphakathi nomsebenzi wakho futhi usuwakhile imali eningi, ungase ufune ukugxila ekutshalweni kwezimali okunezinga eliphansi lobungozi.

Futhi, uma ususondele ekuthatheni umhlalaphansi, ungase uthande ukugxila ekutshalweni kwezimali okungase kukunikeze iholo eliqinile uma usuthatha umhlalaphansi.

✔️ Yazi wena kuqala

Sonke sinezinhloso ezihlukene zokutshala izimali kanye nezikhathi ezihlukene zokuzifinyelela. Ezinye ezesikhathi esifushane, njengokulondolozela iholidi noma imoto, kanti ezinye ezesikhathi eside, njengokuthatha umhlalaphansi. Ngaphezu kwalokho, umtshali-zimali ngamunye une izinga elihlukile lokunethezeka ngengozi yokutshala imali.

Nakuba ingozi ibonakala njengento okufanele igwenywe, kungase kube khona ukuphakama. Ubungozi obuphezulu bunganikeza ithuba lemiklomelo emikhulu yesikhathi eside.

Thola ibhalansi phakathi kwengozi nembuyiselo okhululekile ngayo. Kuyisinyathelo sokuqala kubalulekile ukuze kutshalwe imali ngempumelelo. Ukuze uziqonde kangcono njengomtshali-zimali, cabangela ukubekezelela kwakho ubungozi.

Kufanele futhi ucabangele ulwazi lwakho lokutshalwa kwezimali, imigomo yokutshala imali, isamba semali engenayo yonyaka, inani elilinganiselwe lengqikithi, kanye nama-horizons wesikhathi sokutshala. Konke lokhu kunomthelela kulokhu engikubiza ngokuthi " nazane kuqala ".

✔️ Qala kusenesikhathi

Sebenzisa ngokunenzuzo imiphumela ye osonhlamvukazi ingenye yezindlela ezingcono kakhulu zokukhulisa imali yakho. Ukuhlanganiswa yimali ephindaphindeka ngokuthola inzalo ngenzalo. Ngaphezu kwalokho, ngokuvamile kuthiwa inyoni yokuqala ibamba isibungu. Izibalo ziyakuqinisekisa.

Uma uqala kusenesikhathi, unikeza ikhophasi yakho isikhathi esanele sokukhula ngamandla ngenxa yamandla okuqamba (ebizwa ngokuthi "magic effect" ").

Ngisho noma ungenakho okuningi ongakutshala, ukuqala kusenesikhathi kukusiza ukuthi uzenzele ingcebo eyengeziwe, okuholela ekuvikelekeni ngokwezimali. Noma ngabe uneminyaka emingaki, akukephuzi kakhulu ukuqala!

✔️ Qonda ukutshalwa kwezimali okuhle kakhulu ngaphambi kokutshala imali

Elinye lamathiphu okuqala ahlakaniphile okutshala izimali okufanele uwalandele ngaphambi kokuba uqale ukutshala izimali ukuqonda ukutshalwa kwezimali kwakho. Akufanele neze sitshale izimali ezisetshenziswayo esingazazi. Ngakho-ke noma ngabe ama-mutual funds, amabhondi egolide, amasheya noma ama-fixed deposit, ziqonde kahle bese utshala.

Ake sithi uma uhlela ukutshala imali ku-mutual fund, udinga ukwazi ukuthi yini a mutual fund, inani lengqikithi yempahla, ukusebenza kwesikhwama, izindleko zokungena nezokuphuma, zihlobene kanjani.

✔️ Tshala imali encane njalo

Ukutshala imali kanye ngonyaka noma ngezikhathi ezithile akwanele. Ukuze imali yakho ikhule kahle, kufanele utshale imali encane njalo. Ijubane ngokusobala lincike emalini oyitholayo. Ukuthola imali encane ozoyitshala nyanga zonke noma masonto onke ngokuvamile kulula kakhulu kunokunikela ngesamba esikhulu.  

Le maintien de cette discipline financière est primordial si vous souhaitez atteindre vos objectifs financiers. Investir de plus petits montants dans des fonds communs de placement au fil du temps – ou “ukuthenga ngezikhathi ezithile ngezibalo ezigxilile” – kungasho izindleko ezimaphakathi eziphansi kunokuthenga okungajwayelekile.

Isibonelo, imali yakho izothenga amayunithi engeziwe e-mutual fund uma amanani ephansi; kanye namayunithi ambalwa uma amanani aphezulu. Uma isikhwama sikhuphuka ngenani esikhathini eside, uzozuza ngokuthenga kwakho ngesikhathi sokwehla kwentengo yesikhashana.

✔️ Zola futhi wazi izinketho zokutshala imali

Uma usutshalile linda ngesineke imali yakho ikhule. Kunoma yikuphi ukutshalwa kwezimali, kuthatha isikhathi ukukhiqiza imiphumela enempilo.

Uzomangala ukwazi ukuthi izimoto eziningi zokutshala izimali ezihlakaniphile zikhiqiza izinzuzo ezinkulu uma zitshalwe isikhathi eside. Ngakho linda ukuthi izimakethe zikhuphuke, niyabo imali yakho ikhula kanjani.

✔️ Yakha iphothifoliyo ehlukahlukene

Angisoze ngasho okwanele ukuhlukahluka kokutshalwa kwezimali kwakho ngikusize. Isisho sakudala " ungalokothi ubeke wonke amaqanda akho kubhasikidi owodwa " kusabalulekile. Ukuhlukanisa utshalomali lwakho kungasiza ukuphatha ubungozi futhi kugweme ukulahlekelwa kwezimali ezimakethe ezishintshashintshayo.

Ukusabalalisa izimpahla zakho ezinhlobonhlobo eziningi zokutshalwa kwezimali kuyindlela ephumelelayo yokunciphisa izingozi nokwanda izinzuzo zesikhathi eside ezingaba khona. Ukubamba inhlanganisela yezinhlobo ezihlukene zokutshalwa kwezimali kuzosiza ukuvikela iphothifoliyo yakho ekwehleni, njengoba inani lolunye utshalomali lingase lenyuke kuyilapho inani lokunye lehla.

Ukuhlukahluka kuyisihluthulelo uma ufuna ukunciphisa ubungozi, ukwakha iphothifoliyo eqinile, futhi uthole imbuyiselo ekahle ekutshalweni kwezimali. Lokhu kusho ukubamba utshalomali oluhlukahlukene kuzo zonke izigaba zempahla. Inhloso yokwehlukahlukana ukuthi uma umkhiqizo owodwa ungakhiqizi imbuyiselo elindelekile, omunye uzogcina imakethe.

✔️ Dala olwakho uhlelo lokutshala imali

Tshala imali ngokwezidingo nezifiso zakho. Wonke umuntu unenhloso ehlukile yokutshala imali. Ukuthi wonke umuntu omaziyo utshala imali kuma-fixed deposit akusho ukuthi nawe uzongena kukho.

Uma unesifiso esingcono sobungozi, ungatshala kuma-mutual funds esikhundleni salokho noma izimakethe zamasheya. Ngakho-ke qala uhlaziye izidingo zakho bese wenza ukutshalwa kwezimali okuhlakaniphile ngokufanele.

✔️ Ungajahi ukubuyisela okuphezulu

Ukutshala izimali ngempumelelo noma ukuzuza imigomo yezezimali akusho ukufuna imbuyiselo ephezulu ngesikhathi esifushane. Ikona indlela engalungile ; ngeke kukusize ufeze izinhloso zakho noma uthuthukise ukubuyiselwa kwephothifoliyo yakho.

Nakuba kufanele uzame ukuzuza imbuyiselo ephakeme kakhulu ngangokunokwenzeka, ungakusebenzisi lokhu njengokuphela kwesici lapho ukhetha isikhwama. Injongo yokutshala imali idlula ukuthola imbuyiselo ephezulu kakhulu. Kumayelana nokuzuza kalula nangokubikezela izinhloso nezinjongo ezahlukahlukene ezivela ngokuhamba kwesikhathi.

Njengomtshali-zimali onolwazi, kufanele ugxile ekutshalweni kwezimali okunengozi ephansi, ezinzile ngokuhamba kwesikhathi.

✔️ Qaphela ukutshalwa kwezimali njalo.

Ukutshala imali kuhilela ukunakekela okukhulu, yingakho ukugcina umkhondo wemali yakho kubalulekile. Dala amaspredishithi anohlu lwazo zonke izimali ozitshalile ukuze ulandelele futhi uhlaziye ukusebenza.

Ukwengeza, ukwenza imibiko yokuchitha imali yanyanga zonke kungasiza ukuthuthukisa amasu okonga futhi uqonde ukuthi yimalini imali edingekayo. Yonke le mikhakha emincane, uma ihlangene, ingakha uhlelo oluqinile lokuphatha izimali ukuze uhlale usemgqeni. isikhundla esihle esikhathini esizayo.

✔️ Gwema isimo sengqondo somhlambi

Gwema ukuziphatha komhlambi, ungalandeli abanye ngempela. Uma utshala imali, kulula ukulandela okwenziwa abanye, kodwa kungase kungabi yindlela elungile ngaso sonke isikhathi kuwe. Imigomo yezezimali zicabangela ngokwedlulele, zincike ekubekezeleleni kwakho ubungozi. Zibuye zincike embonweni wakho ngengcebo nasezidingweni zomkhaya wakho.

Wonke umuntu uhlukile futhi ayikho indlela yokulinganisa eyodwa. Ngakho-ke, ukulandela lesi seluleko esihle esilandelwa yiwo wonke umuntu kungase kungabi ukukhetha okuhlakaniphe kakhulu.

✔️ Ukuhlelwa kwezimali kanye nesabelomali

Ukuhlelwa kwezimali kanye nesabelomali kubalulekile kunoma yimuphi umtshali-zimali. Ukuba nohlelo nokuzibekela imigomo kungakusiza wenze izinqumo ezinolwazi futhi uhlale usendleleni.

Ukwengeza, ukwenza ibhajethi kungakusiza ukuthi ugcine indlela osebenzisa ngayo imali futhi uqiniseke ukuthi ubeka imali yakho ekutshalweni okufanele.

Kubalulekile ukuqonda kwakho isimo sezimali isimo samanje futhi uzibekele imigomo engokoqobo. Ukwengeza, kubalulekile ukubuyekeza njalo ukutshalwa kwezimali kwakho futhi uqiniseke ukuthi zisahambisana nemigomo yakho.

🛍 Amathuluzi okutshala imali nawokulondoloza

Kunamathuluzi amaningi okutshala imali nawokulondoloza angakusiza ukuphatha ukutshalwa kwezimali kwakho.

Amafemu okuhweba angakusiza ukuthi uthenge futhi udayise amasheya nokunye ukutshalwa kwezimali. Ukwengeza, kunamathuluzi amaningi okutshala imali kanye nawokulondoloza ku-inthanethi, njengabacebisi be-robo, angakusiza ukuphatha ukutshalwa kwezimali kwakho.

Ngaphezu kwalokho, maningi izinhlelo zokusebenza zezimali zomuntu siqu kanye namathuluzi okwenza isabelomali angakusiza ukuthi ulandelele indlela osebenzisa ngayo imali futhi uhlale uphezu kwezimali zakho. Lezi zinhlelo zokusebenza zingakusiza ukuthi usungule isabelomali, chaza izinhloso izinsiza zezezimali futhi ulandelele inqubekelaphambili yakho kule migomo.

♻️ Ukuvala

Ukutshala imali nokonga yizinqumo ezimbili ezibalulekile ongazithatha. Kungaba nzima ukwazi ukuthi ungaqala kuphi. Ukuqonda izinto eziyisisekelo nokwakha isu kungakusiza yenza izinqumo ezihlakaniphile mayelana nezezimali zakho.

Kunezinhlobo eziningi zokutshalwa kwezimali, ngayinye enamazinga ahlukene engcuphe engaba khona kanye nomvuzo. Ukwengeza, kunezindlela eziningi zokulondoloza kanye namathuluzi amaningi atholakalayo ukuze akusize ulawule ukutshalwa kwezimali kwakho futhi uhlale ulawula izimali zakho.

Ukutshala imali nokonga ngobuhlakani kungakusiza wakhe ingcebo, uzuze ukuvikeleka ngokwezimali futhi ulungiselele umhlalaphansi. Uma ubheke ukutshala futhi wonge ngobuhlakani, kubalulekile ukuqonda izinhlobo ezahlukene zokutshalwa kwezimali futhi wazi ukubekezelela kwakho ubungozi.

Zibeke futhi imigomo enengqondo futhi usebenzise amathuluzi amahle. Ngokulandela lawa macebiso, ungaqinisekisa ukuthi uthola okuningi ekutshaleni kwakho imali futhi wandise ukonga kwakho.

Yonga ngobuhlakani futhi uzobe usendleleni eya ekufinyeleleni imigomo yakho yezezimali. Kodwa ngaphambi kokuba uhambe, nansi ungakha kanjani isithembiso sokuthengisa esingenakuvinjelwa