Iyini intshisekelo?

Inzalo izindleko zokusebenzisa imali yomunye umuntu. Uma uboleka imali, ukhokha inzalo. Uma uboleka imali, uthola inzalo. Inzalo iyizindleko zokuboleka izimali kanye nenzuzo etholwa yilabo abafaka imali kukho Ilondoloza i-akhawunti.

Ibalwa njengephesenti lemali ebolekiwe noma ibhalansi yediphozithi, inzalo ikhokhelwa umebolekisi ngomboleki esimweni semali mboleko noma isikhungo sezezimali kofake idiphozi esimweni se-akhawunti yokonga.

Lapha, uzofunda kabanzi mayelana nenzalo, okuhlanganisa ukuthi iyini nokuthi ubala malini oyiholayo noma oyikweletayo kuye ngokuthi uyaboleka noma uboleka imali. Kodwa ngaphambi kokuthi uqale, nansi ukuqeqeshwa kwe-premium okuzokwenza ikuvumela ukuthi wazi zonke izimfihlo zokuphumelela kuPodcast.

???? Incazelo yentshisekelo

Inzalo isho imiqondo emibili ehlobene kodwa ehluke kakhulu: noma inani umboleki alikhokha ibhange ngezindleko zemali mboleko, noma inani umnikazi we-akhawunti alitholayo ukuze ashiye imali ngemuva.

Ibalwa njengephesenti lebhalansi yemali mboleko (noma idiphozithi), ekhokhelwa ngezikhathi ezithile kumabolekisi ukuze athole ilungelo lokusebenzisa imali yakhe. Inani ngokuvamile lishiwo njengenani lonyaka, kodwa inzalo ingabalwa isikhathi eside noma esifushane kunonyaka owodwa.

I-athikili okufanele ifundwe: Konke odinga ukukwazi mayelana nama-akhawunti emakethe yemali

Eqinisweni, inzalo iyimali eyengeziwe okufanele ikhokhelwe phezu kwebhalansi yemalimboleko yokuqala noma yediphozithi. Ukukubeka ngenye indlela, cabanga ngalo mbuzo: kuthathani ukuboleka imali? Impendulo: imali eyengeziwe.

???? Isebenza kanjani inzalo?

Kunezinhlobo ezimbili eziyisisekelo ezithakazelisayo: inzalo elula kanye nenzalo ehlanganisiwe.

isithakazelo esilula

Inzalo elula, noma inzalo yesilinganiso esiphansi, ibalwa njengephesenti lebhalansi eyinhloko yediphozithi noma imalimboleko. Kungakhathaliseki ukuthi umboleki uhamba isikhathi eside kangakanani ngaphandle kokukhokha isikweletu noma umnikazi we-akhawunti egcina imali ebhange, inzalo iyohlale ibalwa kusukela enanini lokuqala.

Uma uboleka: ngemva kokuboleka imali, kuzodingeka ubuyisele lokho okubolekile. Futhi, ukuze unxephezele umabolekisi ngobungozi bokukuboleka, kufanele ukhokhe imali engaphezu kwaleyo oyibolekile.

Thatha lesi sibonelo. Ake sithi uboleke u-$1000 ebhange. Uma imali oyibolekile ikhiqiza inzalo yonyaka engu-10% ebhange, uzobuyisela u-$1000 kanye nenzalo engu-10% ($100). Ngakho-ke u-$1 uyinani okuzodingeka ulibuyisele ngemva konyaka owodwa.

Qaphela: Inani eliphelele lenzalo lingase libe phezulu noma libe ngaphansi uma uboleka imali esikhathini eside noma esifushane.

Uma uboleka: Uma unemali eyengeziwe etholakalayo, ungaziboleka wena noma ufake imali ku-akhawunti yokonga, uvumele ibhange ukuthi liyiboleke noma litshale izimali. Ngokubuyisela, ulindele ukuzuza inzalo. Uma ungawini lutho, ungase ulingeke ukuba uchithe imali esikhundleni salokho, njengoba kunenzuzo encane ekulindeni.

Isibonelo, uma ufaka u-$1 ku-akhawunti yokulondoloza ekhokha inzalo engu-000% ngonyaka, uzothola inzalo engu-$2, ezokunika u-$20 ngemva konyaka owodwa.

Futhi, inzalo oyizuzayo ingase ibe phezulu noma ibe phansi uma izinga lenzalo lishintsha. Sekukonke, imali oyiholayo noma oyikhokhayo incike kulokhu:

• Izinga lenzalo
• Inani lemalimboleko
• Kuthatha isikhathi esingakanani ukubuyisela

Inzalo Ehlanganisiwe

Ngenzalo ehlanganisiwe, inzalo enqwabelene yengezwa kubhalansi eyinhloko. Kucabange njengentshisekelo kwinzalo. Ifomula yokubala inzuzo ehlanganisiwe ithi: A = P(1+r/n)^(nt), lapho A inani lekusasa lemali mboleko noma utshalomali, okuhlanganisa nenzalo; P yisamba esiyinhloko sokutshala imali; r isilinganiso senzalo sonyaka (idesimali); n iyinani lezikhathi inzalo ehlanganiswa ngayo unyaka ngamunye; Futhi t isikhathi semalimboleko. Ngokusobala, Albert Einstein ngokuhlekisa ebizwa ngokuthi i-compound interest amandla anamandla kunawo wonke endaweni yonke.

Thatha lesi sibonelo

Uno-$5 ku-akhawunti yakho yokulondoloza ezuza inzalo yonyaka engu-000%. Uma lihlanganiswa nyanga zonke, inani lale mali ngemva kweminyaka eyi-5 lingabalwa ngale ndlela elandelayo: P = 10, r = 5, n = 000, t = 0,05. Sino-A = 12 (10 + 5 / 000 ) ^ (1 (0,05) )). Ibhalansi ye-akhawunti ngemva kweminyaka eyi-12 izoba ngu-$12.

???? Izinto ezinomthelela kumazinga enzalo emakethe

Njengezimpahla namasevisi, izinga lenzalo lincike emthethweni wokuhlinzeka nokufunwa. Ngamanye amazwi, isungulwa yimakethe. Ngakho-ke, lapho leli nani lenzalo liphansi, sikhulu isidingo semithombo yezezimali.

Ngokuphambene, lapho liphakeme, siyancipha isidingo salezi zinsiza zezimali. Kodwa-ke, endabeni yokunikezwa, ubudlelwano nenani lenzalo buqondile ngoba uma liphezulu, sikhulu isimo sokuboleka imali, futhi nenani lenzalo liyancipha, ufuna ukuboleka imali encane.

Ukuthola iphuzu lokulinganisa nokuhlotshaniswa kwalokhu okuhlukile okubili kusungula inani lesilinganiso senzalo. Nakuba imakethe ingeyona yodwa inkomba yenani layo, kukhona nezinye eziguquguqukayo ezibalulekile. Lezi eziguquguqukayo ziyizi:

• Izinga lenzalo langempela lesikweletu somphakathi.
• Ukwehla kwamandla emali kulindeleke.
• I-premium ye-liquidity.
• Ingcuphe yenzalo yokuvuthwa ngakunye.
• Iprimiyamu yengcuphe yekhredithi yomnikezi.

Futhi, ibhange elimaphakathi lezwe libeka izinga lenzalo elithinta zonke izici ezibalwe ngenhla. Ukulawula kwayo kuyivumela ukuthi isebenzise izinqubomgomo zezomnotho ezinwebekayo noma ezikhawulelayo ngokuyinciphisa noma ngokuyikhulisa.

Izinhlobo zezithakazelo

Nazi ezinye izinhlobo zezilinganiso zenzalo umuntu angaba nazo:

• Izinga lenzalo yombolekisi: inani elikhokhiswa umuntu noma isikhungo sezikweletu ngemali esibolekisa ngayo
• Le Izinga lenzalo elilungisiwe. Isetshenziswa ngesikhathi sokukhokha imali ebolekiwe, inani layo elinqunyiwe ngesikhathi sokuphela kwesikweletu.
• Izinga lenzalo elintantayo. Yileyo ekhokhwa ngesikhathi semali mboleko futhi ehluka ngokuya ngenani lenzalo eliyisethenjwa
• le Izinga lenzalo kumadiphozithi. Inani isikhungo sesikweletu okufanele siyikhokhele imali esiyithola njengemalimboleko noma idiphozithi
• Izinga lenzalo uma kwenzeka kuphikiswa: isilinganiso senzalo esisetshenziswe emalini esele efunekayo

???? Yiziphi izinhlobo zezilinganiso zenzalo?

Izinga lenzalo lisetshenziswa ngezindlela ezahlukene, ngezikhathi ezahlukene. Ngakho-ke kubalulekile ukuthi wazi ukuthi hlobo luni lwesilinganiso okhokhiswayo. Futhi uma inzalo izokhokhwa ekuqaleni noma ekupheleni kwekhredithi. Izilinganiso zenzalo ezisetshenziswa kakhulu yizinga lenzalo elivamile kanye nezinga lenzalo lonyaka elisebenzayo noma elilinganayo.

Izinga lenzalo elincane

Leli zinga liyinzalo elula. Ihambisana nephesenti elizokwengezwa emalini yokuqala njengesinxephezelo sesikhathi esithile, okungadingeki kube unyaka owodwa.

Inzalo ka-10% ehlanganiswe ingxenye yonyaka isho ukuthi njalo ezinyangeni eziyisithupha inzalo ikhokhwa ku-5%. Uma inzalo yokulinganisa ingu-12% futhi ihlanganiswa njalo ngemva kwezinyanga ezimbili, lokhu kusho ukuthi njalo ngemva kwezinyanga ezimbili inzalo izokhokhwa ku-2%.

Izinga lenzalo elivamile liphakeme ngokwezinombolo ngesikhathi sokubolekwa imali: u-12% ngonyaka, okulingana no-6% phakathi nonyaka, noma u-2% njalo ngemva kwezinyanga ezimbili, noma u-1% ngenyanga.

Ngokuvamile, amabhange asitshela isilinganiso senzalo sanyanga zonke lapho esinikeza imali mboleko. Lokhu bakwenza ngenhloso yokuthi sicabanga ukuthi basikhokhisa imali encane kakhulu ngesikweletu abasinika sona.

Izinga lenzalo lonyaka elisebenzayo

Okunye okubizwa ngenani lenzalo lonyaka elilinganayo, izinga lenzalo elihlanganisiwe. Kuhlanganisa isilinganiso senzalo esivamile, izinkokhiso zasebhange nezinkokhelo, kanye nesikhathi sokusebenza.

Leli zinga lihambisana nesinxephezelo esigcwele esitholwa yisikhungo sezezimali ngokusiboleka imali. Njengesilinganiso senzalo esivamile, izinga lenzalo lonyaka elisebenzayo lincike esikhathini okukhokhwa ngaso inzalo. Bheka lesi sihloko ukuze wazi unganciphisa kanjani izindleko zakho zasebhange.

Kubaluleke kakhulu ukuthi ubuze isikhungo sakho sezezimali ukuthi zikhona yini izinhlawulo zokukhokha kusengaphambili uma kwenzeka unquma ukwenza inkokhelo yemali ukuze unciphise inzalo ekhiqizwa isikweletu.

Okudingayo ukukhumbula ukuthi umkhuba wenzalo wenziwa kuphela ohlelweni lwezezimali lwakudala. Ku uhlelo lwezezimali lwamaSulumanee, lo mkhuba awuvunyelwe futhi uthathwa njenge-riba. Kodwa i-riba iyi-Haram. ngezimali zamaSulumane, ungazuza emalimboleko engenanzalo.

Ngaphambi kokuthi uhambe, nakhu ukuqeqeshwa okukuvumela ukuba wenze kanjalo master ukuhweba ngehora eli-1 nje. Chofoza lapha ukuze uyithenge.