Menene cikakkiyar fayil ga masu biyan albashi?
Ana yi min wannan tambayar koyaushe & mutane, sau da yawa fiye da haka, suna gwagwarmaya don fahimtar amsar da nake da ita. Don haka, na yanke shawarar yin amfani da wannan damar don raba ra'ayoyina game da wannan batu ta hanyar gabatar da tsarin ka'idar da wasu jagora ke bi.
Da fatan za a shawarce ku cewa wannan ba shawarar kudi ba ce. Gine-ginen fayil & yanke shawara na kasafi sun dogara da takamaiman yanayin mai saka hannun jari.
Idan kai mutum ne mai albashi wanda ba zai iya fahimtar yadda ake ginawa & raba babban kuɗin ku ba, wannan labarin zai samar da tsarin ma'ana kawai wanda yakamata ku fara. Don cikakken shawara, tuntuɓi mai ba da shawara na zuba jari.
Muje to.
Fayil na Mutum Masu Albashi - Saitin Buri
Saitin manufa yana da mahimmanci ga sarrafa fayil. Muna buƙatar sanin burin fayil ɗin zai yi niyya don cimmawa. Wannan saitin burin yana ba mu:
- sanannen ƙimar dawowa;
- sanannen matakin haɗari don manufa;
- lokacin sararin sama akwai
A cikin duniyar gaske, masu zuba jari na iya samun manufa da yawa. Kowace manufa za ta yi tasiri kan iyawar babban fayil ɗin don gamsar da su. Ana iya ilmantar da mai saka hannun jari don ba da fifiko ga burin idan fayil ɗin bai isa ba ko tsammanin ya yi yawa.
Don sauƙaƙe abubuwa, don manufar wannan labarin, za mu yi wasu zato. Wadannan su ne:
- Mai saka hannun jari yana da manufa guda ɗaya kawai, wato, kiyaye yanayin rayuwarsu zuwa ritaya bisa la’akari da albashin ƙarshe da aka zana don hauhawar farashin kaya;
- Shekarun shiga cikin ma'aikata shine shekaru 25 & ritaya shine da zarar mai saka jari ya cika shekaru 60;
- An sake saka hannun jarin rabon & ƙayyadaddun Kuɗin da aka samar ta fayil ɗin.
Fayil na Mutane Masu Albashi - Tunanin Babban Jari na Dan Adam
Babu wata tattaunawa kan sarrafa fayil ɗin da za ta cika sai dai idan mun kalli jimillar babban jarin mai saka jari. Wannan babban jari ne na kuɗi (fayil ɗin) ƙari jarin dan Adam.
Duk kudaden shiga na gaba daga kasuwanci ko albashin da aka karɓa a yau an bayyana shi azaman jarin ɗan adam. Wannan ƙima ce ta yanzu da aka yi rangwame akan ƙimar da aka ɗauka. Babban jarin ɗan adam shine mafi girma a farkon rayuwar mutum kuma mafi ƙanƙanta kusa ko lokacin ritaya.
'Yan kasuwa da masu zaman kansu ana ɗaukar su suna da jarin ɗan adam wanda ke wakiltar daidaito. Ba shi da tabbas lokacin & nawa kudi & lokacin da mai zaman kansa zai samu.
Zuba jarin ãdalci ba su da kamanni sosai. Ko kamfani ya sanar da a rarraba ko a'a kuma abin da zai kasance halin farashin hannun jari ba za a iya tsara shi ba. Don haka, ɓangaren haɗari yana da yawa.
Hakazalika, ga mutane masu albashi, an ce jarin ɗan adam yana wakiltar ƙayyadaddun kudaden shiga. Mutum mai albashi yana karɓar ƙayyadaddun kuɗin shiga na yau da kullun kowane wata.
Kafaffen saka hannun jari ba su da kamanni sosai. Ribar da kamfani ke biya a kan lamunin sa da kwanan wata za a iya ƙirƙira su. Don haka, ɓangaren haɗari yana da ƙasa.
Don haka, ga ƴan kasuwa da masu sana'ar dogaro da kai waɗanda ke da ãdalci irin na ɗan adam, ya kamata a karkatar da rabon fayil zuwa ga tsayayyen kudin shiga. Hakazalika, ga mutanen da ke da ma'auni mai ƙayyadaddun kudin shiga kamar jarin ɗan adam, ya kamata a ba wa rabon fayil taken zuwa ga daidaito.
Fayil na Mutane Masu Albashi - Wasu Abubuwan
Yin la'akari da halaye na jarin ɗan adam a keɓe zai zama mai sauƙi sosai don yanke shawarar raba fayil ɗin. Dole ne mutum ya yaba da wasu dalilai.
Industry
Ma'aikata a yawancin masana'antu cyclical kamar kayayyaki, motoci, siminti, karfe, da kayan gini sun fi haɗari fiye da ma'aikatan kiwon lafiya & ilimi.
Wadannan masana'antu suna da kyau idan farashin ruwa ya yi ƙasa, ana samun kuɗaɗen kuɗi daga bankuna da arha kuma tattalin arzikin yana haɓaka. Mayar da waɗannan abubuwan, kuma kun ga cewa waɗannan masana'antu suna gwagwarmaya.
A tsawon lokaci, saboda yanayin zagaye na waɗannan masana'antu, mun lura cewa ƙimar haɓakar albashi yana nuna bambanci da kuma biyan kuɗin da ke da alaƙa. Don haka, ba za a iya yanke shawarar cewa babban birnin ɗan adam na mutumin da aka faɗa ya yi kama da tsayayyen kudin shiga ba.
Haka abin yake ga mai zaman kansa wanda ya mallaki kamfanin harhada magunguna ko taki. Hana munanan al'amura kamar yaƙe-yaƙe, annoba, da yunwa, buƙatar samfura da sabis na waɗannan kasuwancin sun kasance marasa ƙarfi.
Abubuwan cyclical kamar ƙimar riba, manufofin kuɗi, ko ƙimar girma ba su da babban tasiri akan waɗannan masana'antu. Saboda haka, za mu iya yanke shawarar cewa ɗan kasuwa na ɗan adam ba daidai ba ne.
Shekaru
Hakanan rabon fayil ɗin yakamata yayi la'akari da shekarun mai saka jari. An fi son babban rabo ga ãdalci ga mutum mai shekaru 25 yana fara aikinsa.
Idan kasuwa ya juya mara kyau, tsawon lokaci lokacin yin ritaya yana ba da damar asarar babban fayil na ɗan gajeren lokaci don a dawo dasu.
Wannan babban ƙarfin ɗaukar haɗari yana raguwa azaman shekarun mutum mai albashi. A shekaru 50, rabon daidaito ga fayil ɗin ya kamata ya zama ƴan tsiraru & kusan babu a kusa ko lokacin ritaya.
Wannan shi ne saboda a ko kusa da yin ritaya, mutum ba shi da sassaucin lokaci don dawo da rashin daidaituwa na gajeren lokaci a kasuwannin ãdalci & don haka yana da haɗarin gazawar fayil a lokacin ritaya.
Halin Haɗari
A matsayin masu zuba jari, yana da mahimmanci a fahimci halin mutum don yin haɗari. A cikin yanayinmu, yuwuwar fayil ɗin ba zai kasa cimma burin da aka bayyana ta wani yanki ba ana kiransa haɗari.
Masu saka hannun jari suna buƙatar sanin sakamakon irin wannan haɗarin-dauka a kan fayil ɗin su, saka hannun jari da matsayin rayuwa. Haƙuri mai girma ko ƙarancin haɗari na iya haifar da yanke shawara mara kyau na fayil & a ƙarshe rashin aikin fayil.
diversification
A matsayin masu zuba jari, ya zama dole a yi la'akari da rarrabawa. Wannan yana da tasiri a kan zaɓin azuzuwan kadara da zaɓin tsaro a cikin ajin kadara.
A al'adance, masu saka hannun jari sun gina manyan fayiloli ta hanyar rarraba jari tsakanin daidaiton jari da kafaffen kudaden shiga. Akwai kadan don babu la'akari madadin saka jari, wanda zai iya aiki azaman masu haɓaka dawowa ko masu rage haɗari.
Wannan yanayin ya canza kuma a yanzu muna da kwararan shaidu don tallafawa cewa ɗimbin fayil ɗin suna da wani nau'in fallasa ga madadin saka hannun jari, waɗanda suka haɗa da:
- Real Estate (shinge hauhawar farashin kaya & haɓaka haɗari);
- Kuɗin shinge (ƙara dawowa & haɓaka haɗari);
- Kayayyakin kayayyaki (shinge na hauhawar farashin kaya tare da yuwuwar haɓakar haɓakawa da haɗari iri-iri);
- Daidaitawar sirri (ƙara dawo da haɗari iri-iri);
- Kaddarorin dijital (Ƙara dawowa & haɗari iri-iri).
Wannan ana cewa, sa ido kan tsari & shingen shiga yana hana samun yawancin motocin saka hannun jari ga matsakaicin mutum mai albashi.
Hakazalika, tunanin gargajiya a kan titi kuma yana ganowa tare da riƙe da biyu ko uku masu zafi lokaci zuwa lokaci. Wannan yana haifar da daidaitawa na ɗan gajeren lokaci a cikin bin dogon buri & wuce gona da iri.
Irin waɗannan yanke shawara mara kyau suna buƙatar a guje wa & masu karɓar albashi yakamata su zaɓi dabarun saka hannun jari sabanin masu aiki. Wannan ya faru ne saboda dabarun saka hannun jari:
- Ba da aikin bincike & aiwatarwa ga masana;
- Kunna rarrabuwa;
- Bada mai saka hannun jari ya mai da hankali kan aikinsa & danginsa.
Cikakkar Fayil ɗin Fayil don daidaikun Mutane Masu Albashi
Yanzu mun sanya tarihin mu a aikace ta hanyar haɓaka fayil ga masu karɓar albashi bisa ga samfuri. A ra'ayina, wannan shine yadda zan so in yi magana da kaina.
Madaidaicin Fayil don Mutum mai Albashi - Shekaru: 25 zuwa 3
Muna ganin cewa:
- Wannan babban fayil ne tare da babban haɗari mai haɗari saboda sararin sama na dogon lokaci da ake da shi;
- Tsawon lokaci mai tsawo yana ba mu damar ware babban babban jari (85%) ga Hannun Girma Kuɗi, kayayyaki Kuɗi & Cryptocurrency.
- Manufar ita ce a ba da gudummawa ta yau da kullun zuwa fayil ɗin ta hanyar tanadi & ƙayyadaddun adadin kuɗin shiga don haɓaka matsayi a hankali.
Madaidaicin Fayil don Mutum mai Albashi - Shekaru: 35 zuwa 44
Muna iya ganin haka:
- Adalci da Kayayyaki suna da ƙarancin jarin da aka ware musu;
- Kafaffen kudin shiga yana da ƙarin jari da aka ware masa;
- Gidajen gidaje sun ware masa jari ta hanyar zuba jari a ciki jingina hannun jarin ƙasa ko dukiya ta zahiri;
- Bugu da ƙari, abin da aka fi mayar da hankali a nan shi ne don ƙarfafa ribar daga lokacin ƙarshe zuwa yunƙurin haɓaka haɗarin haɗari (kayyade 45% ga tsayayyen samun kudin shiga, Kuɗaɗen Kayayyakin Kayayyaki & Estate) yayin da ke riƙe babban dabarun haɓaka babban jari tare da babban (55%) kasafi ga hannun jari mai girma Cryptocurrency.
- Bugu da ƙari, ba mu damu da rashin ƙarfi na ɗan lokaci ba kamar yadda hangen nesa zuba jari ya kasance na dogon lokaci.
Madaidaicin Fayil don Mutum mai Albashi - Shekaru: 45 zuwa 54
Muna iya ganin haka:
- Tare da kawai shekaru 15 ko ƙasa da ƙasa zuwa burin mu na ritaya, yana da mahimmanci a yanzu mu saukar da manyan abubuwan haɗari na fayil ɗin mu;
- A asusun bin diddigin m ya maye gurbin asusun Haɓaka Haɓaka a ragi na gaba ɗaya;
- Kafaffen kudin shiga da gidaje sun sami ƙarin jari da aka ware musu;
- Kayayyaki da Cryptocurrency suna da ƙarancin jari da aka ware musu;
- Kamar yadda za a iya fayyace, a wannan matakin fayil ɗin ba shi da alatu na yin watsi da rashin daidaituwa na ɗan gajeren lokaci kuma yana damuwa da haɓaka riba, karewa daga hauhawar farashin kayayyaki, da niyya ga ƙimar babban ƙima a cikin ƙasa mara ƙarfi.
Madaidaicin Fayil don Mutum mai Albashi - Shekaru: 55 zuwa 60
Muna iya ganin haka:
- Tare da kusantar yin ritaya, yanzu an fi mayar da hankali kan babban tanadi da samar da kuɗin shiga don haɓaka ƙimar fayil gabaɗaya ta hanyar aunawa. Don haka, kashi 90% na babban birnin ana keɓe shi ga ƙayyadaddun samun kudin shiga & dukiya.
- Wasu rabon haɗarin ya rage ga daidaito don “harba” zuwa yunƙurin tara babban jari gabaɗaya.
Mai ritaya:
Tare da yin ritaya, babu buƙatar ƙoƙarin haɗari.
Burin fayil ɗin yanzu shine ya ba da kuɗin rayuwar sa don yin ritaya. Don haka, ana gina ma'auni daidai-da-ƙira tsakanin kuɗaɗen kuɗaɗen shiga & dukiya.
Kammalawa
Ana iya auna ta daga tattaunawar da ke sama cewa babu amsa guda ɗaya ga cikakkiyar fayil ga daidaikun mutane masu albashi.
A takaice dai, amsar za ta dogara ne akan abubuwa da yawa & muna iya yin amfani da nazarin yanayin rayuwa a matsayin jagora don gina cikakkiyar fayil ga mutane masu albashi.
A shawarce ku cewa wannan tsari ne kawai, saboda yanayin duniya na iya zama mafi rikitarwa tare da maƙasudai da yawa waɗanda ba za su jira har sai sun yi ritaya ba.
Don haka, ina ƙarfafa ku da ku nemi shawarar kwararru don yanke shawara na fayil ɗin ku.
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