Ngaba ufumana ibhonasi kulo nyaka?
Ukuba kunjalo, halala!
Ngoku unethuba lokuthenga okuya kuba luncedo olukhulu kwimali yakho. Ukuba uyazibuza ukuba loluphi utyalo-mali onokuthi lwenze, nazi ezinye zezona asethi zibalaseleyo onokutyala kuzo ibhonasi yakho.
Kutheni le nto kufuneka utyale ibhonasi yakho?
Zininzi izinto onokuzenza ngebhonasi. Ngelixa unokuthatha isigqibo sokuyichitha kwinto entle kuwe, cinga ngokutyala imali endaweni yoko. Kulula ukubona ukuba kutheni ungahendeka ukuba uchithe ibhonasi yakho.
Emva kwayo yonke loo nto, sisixa esikhulu semali onokuthi ungasiboni kwikamva elingekude.
Utyalo-mali lubalulekile, imali oyityalayo ngoku ekugqibeleni iya kukwazi ukunceda kwiimali zakho kakhulu xa utyalo-mali lwakho sele lukhulile okanye lonyukile ixabiso.
Nje ukuba uyityale imali, iya kuba nexabiso elithe chatha kwaye inokunceda ekunciphiseni okanye ekupheliseni amatyala.
Kutheni le nto kufuneka utyale imali kwii-asethi?
Usenokufumana isixa esibalulekileyo semali ukuba utyala imali kwizinto ezifanelekileyo. Yindlela ekrelekrele yokukhusela ikamva lakho ngento enegama lokwanda kwexabiso.
Ukwenza utyalo-mali ngobulumko kwizinto ezifanelekileyo kunokukunceda uphucule imeko yakho yezemali kungakhathaliseki ukuba ungakanani ubudala okanye uphi na ngokwasezimalini. Xa ucinga malunga nendlela yokutyala ibhonasi yakho, kukwabalulekile ukuqwalasela ukuba zeziphi iiklasi ze-asethi eziya kuba luncedo kakhulu kuwe.
Ii-asethi zokuTyala ibhonasi yakho eIndiya
Zininzi iindlela onokutyala ngazo ibhonasi yakho.
Khumbula nje, okukhona ungabantu abahlukeneyo, kokukhona ixabiso lotyalo-mali lwakho liya kuba phezulu. Nazi ezinye zezona asethi zibalaseleyo zotyalo-mali eIndiya:
IiNgxowa-mali eziNgxamisekileyo
Iimali ezingxamisekileyo yindlela elungileyo yokunceda imali yakho ikhule kakhulu. Kubalulekile ukwazi ukuba iimali ezingxamisekileyo akufuneki zityalwe kuzo zonke iindidi zotyalo-mali.
Endaweni yoko, utyalo-mali lwakho kufuneka lusekelwe kuhlobo lukaxakeka onokuba nalo. Unokuba nengxowa-mali kaxakeka ngeenjongo zonyango, umzekelo.
Bala ukuba yimalini ingxowa-mali yakho efanelekileyo kaxakeka
Ukuhlawula iTyala
Ngaphandle kokutyala imali kwiimali ezingxamisekileyo, kukwabalulekile ukuba uphume ematyaleni kwaye uhlawule ityala ngokukhawuleza.
Ukuba ufumana imali kutyalo-mali kwaye uhlawule amatyala akho ngexesha elinye, unako ngokwenene Gcina imali ekuhambeni kwexesha ngaphandle kokunyusa neendleko zakho zenyanga.
Funda indlela yokuhlawula amatyala akho ngokukhawuleza.
Equity Exposure
Kubantu ngabanye, ukuvezwa kwe-equity lukhetho olulungileyo kuba banokuthatha imingcipheko ethile ukuba baziva bekhululekile. Endaweni yokulandela isihlwele, unokwenza utyalo-mali olukhulu olunokukunceda ukhulise ii-asethi zakho kwaye wenze imali ngelixa zisencinci.
Umzekelo, ukuba unomdla kwi kutyalo mali ezitokisini, kubalulekile ukuqwalasela i-stock market ngokubanzi. Abatyali-mali abaninzi batsibela kwimarike ngaphandle kokwenza nantoni na uphando kwaye isekelwe kwithuku kunye neemvakalelo zabo zamathumbu.
Abantwana Bakho
Ukuba unomntwana omdala ngokwaneleyo ukuba aqalise ukutyala imali, kubalulekile ukuba ucinge ngokubeka ibhonasi yakho kwizinto eziya kumnceda ukuba aphumelele.
Unokukhetha ukutyala ibhonasi kuyo izindlu ezithengiswayo kubantwana bakho kwixesha elizayo - ngale ndlela, banokwakha izinto zabo zexabiso kwaye baqinisekise uzinzo lwabo lwezemali kubo bonke ubomi babo.
Iipolisi ze-inshorensi zikwangumbono omhle kuba zinokukunceda ukukhusela wena nosapho lwakho kwiindleko ezingalindelekanga. Kwakhona kubalulekile ukuqinisekisa ukuba umntwana wakho unohlobo oluthile lwe-inshurensi xa bephula i-skiing yabo yomlenze.
Inkqubo yePension yeSizwe
(NPS) yenye inketho enkulu. Le yinkqubo yomhlalaphantsi enikezelayo izibonelelo zerhafu kunye nezinye izibonelelo. Unokukhetha ukutyala ibhonasi yakho kwi-NPS okanye ezinye izicwangciso ezifanayo ezibonelela ngezibonelelo ezifanayo.
I-NPS iye yanda ekuthandeni, kwaye kukho izizathu ezimbalwa zoku. Ingakunceda ukwandisa imali oyigcinele umhlalaphantsi kwaye yenze kube lula kuwe ukushiyela abantwana bakho ilifa.
Kutheni i-NPS ingumbono omkhulu wotyalo-mali
Yakha iCorpus yokuthenga iKhaya
Uninzi lwabacwangcisi bezemali lucebisa abantu abatsha ukuba bathathe iibhonasi zabo kwaye bakhe ikhoposi ngenjongo yokuthenga ikhaya. Lo ngumbono ogqwesileyo kuba unokukunceda uphucule ubomi bakho ngeendlela ezininzi.
Ukuba awufuni kuthenga ikhaya, ungatyala ibhonasi kwezinye iiasethi ezinokwenza ubomi bakho bube lula.
IItrakthi ezibalulekileyo
Xa ucinga ngendlela yokutyala ibhonasi yakho, kubalulekile ukukhumbula ukuba kufuneka utyale izinto eziza kukunceda ukhulise utyalo-mali lwakho ekuhambeni kwexesha.
Nokuba ibhonasi yakho incinci, isenokwenza umahluko omkhulu ukuba uyityala ngendlela eyiyo. Nazi izinto zam eziphambili endizithathayo kweli nqaku:
- Utyalo-mali sisakhono sobomi esinokubakho ukuze abantu balungiselele ikamva labo lezemali
- Zininzi iinketho zotyalo-mali eIndiya kwaye uninzi lwazo ziluncedo kakhulu kubantu abancinci.
- Kubalulekile ukuqwalasela imeko yakho kunye nokuba loluphi uhlobo lwemali onayo yokutyala.
Shiya iMpendulo