Ngaba uyagula ngenxa yokulahlekelwa yimali kwimarike yemasheya?
Musa ukuxhalaba; AWUKHO wedwa.
Abathengisi abaninzi abanamava benza iimpazamo ezilula ezinokuphetshwa. Esi sithuba siya kuhamba ngeempazamo eziphezulu ze-15 ezenziwa ngabahwebi be-novice kunye nendlela yokuthintela.
Ezi mpazamo zinokuba yindleko, ukusuka ekusileleni ukuba nesicwangciso sotyalo-mali esomeleleyo ukuya ekusileleni ukwahlula ipotifoliyo yakho. Nangona kunjalo, ngolwazi oluncinci kunye nesicwangciso esilumkileyo, unokuphucula umdlalo wakho wokurhweba kwaye uqale ukubona imbuyekezo yokwenene.
Nokuba umtsha ekurhwebeni okanye uchwephesha onamava, eli phepha liya kukunceda uphephe imigibe eqhelekileyo kwaye ube ngumrhwebi osebenzayo. Ke hlala phantsi, uphumle, kwaye ulungiselele ukufunda ukurhweba njengenkosi!
Ukubaluleka kokuNqanda iimpazamo njengoMrhwebi
Ukuphepha iimpazamo njengoko a umrhwebi ubalulekile kwimpumelelo. Impazamo nganye inokukubiza imali kwaye yenzakalise umfanekiso wakho. Kodwa, okubaluleke ngakumbi, ukuphepha iimpazamo kunokunceda kuphuhliso lwakho njengomthengisi.
Unokuphucula amaqhinga akho, upholise izakhono zakho, kwaye ekugqibeleni ube ngumthengisi osebenzayo ngokufunda kwiintsilelo zakho.
Ukuphepha iimpazamo njengoko umrhwebi kunokuvakala kulula, kodwa akukho lula njengoko kubonakala, ngakumbi kwabo batsha kumdlalo. Ukuqinisekisa impumelelo, kubalulekile ukuba uziqhelanise nezona mpazamo zixhaphakileyo ezenziwa ngabarhwebi.
Ngokwazi into omawuyijonge, unokukuphepha ukwenza ezi mpazamo kwaye uzibekele impumelelo. Ngoko ke, musa ukoyika ukwenza iimpazamo ukuba ufunda kuzo!
1. Ukutsiba Ngaphandle Kwesicwangciso
Ilizwe lentengiso linokuba ngumtsalane, ngakumbi ngokunyuka kwamva nje kubatyali-zimali baseIndiya ngenxa yobhubhane.
Nangona kunjalo, ukuntywila kwihlabathi lokurhweba ngaphandle kwesicwangciso yindlela yokujongana nentlekele. Enyanisweni, abaninzi abathengisi baseNdiya bawele kulo mgibe, begxuma ngaphandle kwesicwangciso esicacileyo, kuphela ukugqiba ukulahlekelwa yimali yabo.
Kufana nokuthatha uhambo ngaphandle kwemephu okanye iGPS. Ngokuqinisekileyo, ungaphelela ekufikeni kwindawo oya kuyo ekugqibeleni, kodwa kuyakuthatha ixesha elide kwaye kube luhambo olunzima kakhulu. Kuyafana nokurhweba.
Ngaphandle kwesicwangciso esiluqilima endaweni, uya kuba uqikelela kwaye uthathe umngcipheko onokukubiza ixesha elikhulu.
Ke, ukuba ucinga ukujoyina ilizwe lokurhweba, qiniseka ukuba ucwangcisa kwangaphambili. Thatha ixesha lokuzifundisa, ukuqonda imarike, kwaye ubeke iinjongo ezinokwenzeka. Ndithembe, wakho i-akhawunti yebhanki ndiya kubulela ngayo.
2. Ukugxotha i-Hot Stock
Ukutyala imali kwi imakethi yesitokhwe ihlala ichulumancisa, ngakumbi xa usiva malunga nesitokhwe esithile esiqhuba kakuhle ngokungaqhelekanga kwaye sivelisa izihloko zeendaba.
Umnqweno wokutsiba kwi-bandwagon unokuba namandla, kodwa kubalulekile ukukhumbula ukuba i-stock market yindawo eguqukayo apho nantoni na inokwenzeka nangaliphi na ixesha.
Ngelishwa, abathengisi abaninzi abanamava babanjwe kwintshiseko kwaye bagqibe ngokulandela isitokisi esishushu ngaphandle kokugqiba uhlalutyo olufanelekileyo.
EIndiya, omnye umzekelo kukutsiba kwamva nje kwisitokhwe sika-Adani, ebesiqhuba kakuhle kakhulu kwezi nyanga zidlulileyo. Nangona kunjalo, isitokhwe siye sehla, nto leyo eyakhokelela kwilahleko enkulu kubaqikeleli abaninzi.
Phambi kokwenza utyalo-mali, kubalulekile ukwenza uphononongo olubanzi kunye nokuqonda iingozi ezinokubakho endaweni yokungena ngaphandle kweqhinga.
Kuhlala kuhenda ukuhamba kunye nokuhamba, kodwa njengomthengisi, kufuneka ugcine upholile kwaye wenze izigwebo ezifundisiweyo ezisekelwe kwisifundo kunye nohlalutyo.
3. Ukuvumela Iimvakalelo Ziqhube Izigqibo
Ukuvumela iimvakalelo ziqhube izigqibo zakho yindlela eqinisekileyo yokuphela kokulahlekelwa yimali kwimarike yemasheya. Njengomrhwebi, kubalulekile ukugcina intloko yenqanaba kwaye unamathele kwisicwangciso sakho, kungakhathaliseki ukuba unokuba unamathele kangakanani ngokweemvakalelo kwisitokhwe. Ngelishwa, oku kulula ukuthetha kunokukwenza.
Ngaba wakha wabanjwa kakhulu sisitokhwe kangangokuba waphula yonke imithetho yakho?
Yiloo nto kanye eyenzekayo kunye ne-Deepak Nitrite kum. Ngaphandle kokuchitha iiyure ezininzi zophando, ukuncamathela kwam ngokweemvakalelo kuye kwakhokelela kutyalo-mali olukhulu kwaye ekugqibeleni, ilahleko enkulu. Sisifundo esifundiweyo kunye nesikhumbuzo sokuhlala unamathela kwisicwangciso sakho.
Isifundo endisifundileyo kukuba, njengomtyali-mali wexesha elide, kulungile ukuba unamathele ngokweemvakalelo kwisitokhwe ebesisoloko siqhuba kakuhle. Nangona kunjalo, njengomthengisi, iimvakalelo azinayo indawo kumdlalo.
Namathela kwisicwangciso sakho, gcina intloko esemgangathweni, kwaye ungavumeli iimvakalelo zakho ziqhube izigqibo zakho.
4. Ukujongelwa phantsi kwamandla oPhando
Njengomrhwebi, kulula ukubanjwa kulonwabo lwemarike kwaye ucinge ukuba unolwazi oluqinileyo kwizinto. Ngexesha lokuvalwa, ndaqala ukufunda amanqaku ambalwa kwaye ndabhalisela ukubulawa kweevidiyo zeYouTube ezinxulumene norhwebo.
Ndandizithemba ngokugqithiseleyo, ndikholelwa ukuba ndiqonde ngokwaneleyo ukwenza urhwebo ngaphandle kokwenza uphando olufanelekileyo. Noko ke, esi simo sengqondo sandidla imali kunye nexesha elibalulekileyo endandinokulichitha ndifunda ngakumbi.
Urhwebo lufuna uphando oluninzi. Ikuvumela ukuba wenze izigqibo ezicacileyo, uphephe imigibe enokubakho, kwaye uthabathe amathuba. Yenza impazamo yokucinga ukuba wazi yonke into okanye uxhomekeke kwiimbono zabanye.
Thatha ixesha lokuphanda iintsingiselo zeshishini, ufunde iingxelo zemali, kwaye uhlale uneendaba ezintsha. Ukutyala imali kulwazi lwakho kunye nokuqonda kuya kuhlawula ingeniso kwixesha elide.
5. Ukungahoywa kweeNtsebenziswano
Xa kuziwa ekurhwebeni, ukuhlukahluka kunokwenza wonke umahluko emhlabeni. Khawube nomfanekiso wakho ubeka onke amaqanda akho kwingobozi enye, uze ubone amazantsi esiwa. Yiloo nto kanye enokwenzeka xa ungawahoyi amandla ohlukeneyo. Ngelishwa, yimpazamo eyenziwa ngabarhwebi abaninzi.
Ndizibonele ngokwam. Abahlobo, oogxa, kunye namalungu osapho, bonke bebeka imali yabo abayisebenzele nzima kwisitokhwe esinye, bayibona idilika. Kodwa xa usasaza utyalo-mali lwakho, unciphisa umngcipheko wakho. Uzikhusela kumothuko weemarike kwaye uzinike ithuba elingcono lokuphumelela ekuhambeni kwexesha.
Kwaye mandikuxelele, njengomntu obekhona, sisifundo esifanele ukusifunda. Ngokwam, andizange ndenze impazamo yokungahoyi ukuhlukahluka. Ndandingumtyali-mali ozimiseleyo ukusuka ekuqaleni, kwaye ndandilazi ixabiso lokusasaza utyalo-mali lwam kwii-asethi ezahlukeneyo.
6. Ukubawa
Ukubawa kwimarike yemasheya kufana nekrele elintlangothi-mbini. Kwelinye icala, ufuna ukubambelela kurhwebo oluphumeleleyo ixesha elide kangangoko ukuze ukwandise inzuzo yakho. Ngakolunye uhlangothi, ukubamba ixesha elide kunokukhokelela kumathuba alahlekileyo kunye nelahleko enkulu.
Kulapho ndingena khona – ndikhe ndaphaya, ndenze loo nto!
Ndinetyala ngokugcina amehlo am abekwe kwintlawulo enkulu kwaye ndibambelele kurhwebo ixesha elide. Kuhlala kungumzabalazo phakathi kokufuna ukwenza uninzi lwemeko elungileyo kunye nokwazi ukuba ungayinciphisa nini ilahleko yakho. Kodwa hee, singabantu kuphela, akunjalo?
Mna ngokobuqu ndijolise kwi-15% inzuzo xa ndi urhwebo loku swinya, kodwa ngamanye amaxesha ukukhawuleza kwesitokisi kunokomelela kangangokuba nditshayelwe kwimincili kwaye ndibambe ixesha elide. Kuphela ukuzisola kamva xa isitokhwe siwela ngaphantsi kwethagethi yam.
Ke, ngelixa kubalulekile ukubawa ukuya kuthi ga kwinqanaba elithile, kubaluleke ngokulinganayo ukwazi ixesha lokuyeka kwaye uqhubekele kurhwebo olulandelayo. Leyo yibhalansi ebuthathaka urhwebo lwesitokhwe kunye nesitshixo sokuphepha ilahleko enkulu.
7. Ukungaphumeleli Ukuhlala Unolwazi
Ukuhlala unolwazi kubalulekile kwimpumelelo kulo naliphi na ikhondo lomsebenzi, kuquka ukurhweba. Ngelishwa, abarhwebi abaninzi babuyela emva kwezona ndaba zintsha, iintsingiselo, kunye nokuqonda kwimarike abayithandayo. Ukutyeshela ukusiwa kwenkcazelo kusenokuba sisiseko sentlekele, enoba kungenxa yokungabi naxesha, intshukumisa, okanye kukuxakeka kakhulu.
Khawufane ucinge ufumanisa ukuba inkampani enesitokhwe sakho osibambeyo ibandakanyeke kwimpikiswano enkulu okanye yenza ingxelo ebalulekileyo echaphazela inzuzo yayo.
Yhu! Ngequbuliso, into ebonakala ilutyalo-mali olukhulu iye yawa kakhulu, ikushiya uziva ngathi ulahlekile. Yiyo loo nto kubalulekile ukuba nolwazi.
Kumava am, ukuthatha imizuzu embalwa yonke imihla ukufunda iindaba kunye nokwenza uphando olufutshane kunokwenza umahluko omkhulu kwiintengiselwano zam.
Kubalulekile ukuqonda ukuba kuqhubeka ntoni, uhlale usexesheni kwiintsingiselo zemarike, kwaye uqaphele naziphi na iimpawu ezibomvu. Unokwenza izigwebo ezifundileyo kwaye uhlale uphambi komdlalo ukuba unolwazi olufanelekileyo.
8. Ukuthembela Kakhulu kwi-Leverage
Ekurhwebeni, i-leverage ingaba yikrele elintlangothi-mbini. Ngelixa inokunyusa inzuzo yakho, inokonyusa ilahleko yakho. Isebenza ngokufanayo ne-nitro-boost kwisithuthi somdyarho kuba yonyusa isantya ngelixa ikwanyusa amathuba okuntlitheka.
Yiyo loo nto kubalulekile ukuba ulumke xa woyame kakhulu kwi-leverage.
Kukhethwa ukuba uyisebenzise njengesixhobo kunokuba uyivumele ukuba ilawule ukhetho lwakho lokurhweba. Umrhwebi kufuneka alazi ixesha lokusebenzisa amandla kunye nexesha lokuhamba elunxwemeni, kanye njengokuba umqhubi wemoto yomdyarho kufuneka azi ukuba asebenzise nini i-nitro kunye nexesha lokuhamba elunxwemeni.
Omnye umzekelo endandinawo kuxa ndandisebenzisa amandla kwintengiselwano eyayihamba kakuhle ngelo xesha kodwa yakhawuleza yaya emazantsi. Ndothuka, ndithe ndingekayazi, iakhawunti yam ibibhalwe ngombala obomvu. Oko kwandifundisa ukuba ndiqaphele ngakumbi ukuba ndisebenzisa kangakanani amandla kwaye ndihlale ndinesicwangciso sokugcina kwindawo xa kukho izinto. ayihambanga kakuhle.
9. Ukungabi Naso iSicwangciso soLawulo loMngcipheko
Xa kuziwa ekurhwebeni, kubalulekile ukuba ube nesicwangciso endaweni yokujongana namahla ndinyuka. Kufana nokuqhuba kwindlela entle esentabeni ngaphandle kwamabhanti ezihlalo okanye i-inshorensi yemoto efanelekileyo ukuba akunabuchule bokulawula umngcipheko.
Unokuba nexesha elimnandi, kodwa ijika elinye elingalindelekanga endleleni linokuguqula ngokukhawuleza ulonwabo lube yintlekele.
Yiyo loo nto ndidla ngokujolisa umngcipheko wokuvuza umlinganiselo we-1:2. Oku kubonisa ukuba yonke irupee ndikulungele umngcipheko, ndifuna ukuxhamla iirupees ezimbini.
Oku kundinceda ekuqinisekiseni ubungakanani besikhundla sam, inani lezabelo okanye izivumelwano endizithathayo kwintengiselwano. Ndiyakwazi ukulala kamnandi ebusuku kuba ndinendlela elungileyo yokulawula umngcipheko, naxa iimarike ziguquguquka.
10. Ukungabazi ubuntu bakho
Khawufane ucinge ukuba ungumrhwebi we-swing ozinzile kwaye ubalwa, kuphela ukuba uhendwe lihlabathi elikhawulezayo lokurhweba nge-intraday kuba wonke umntu ojikelezayo uyabulala. Ivakala iqhelekile?
Kulapho ukubaluleka kokwazi ubuntu bakho, okanye njengoko sithanda ukubiza, i-KYP (Yazi Ubuntu Bakho), iqala ukudlala. Kanye njengokuba awuyi kutyala imali kwisitokhwe ngaphandle kokwenza inkuthalo yakho, akufanele utsibe kwisicwangciso sorhwebo esingahambelani nobuntu bakho.
Ukungaqondi utyekelo lwakho, izinto ozikhethayo, kunye nemida yakho kunokukhokelela kwiziphumo ezibi kunye nokuphoswa kwamathuba. Ke, ngaphambi kokuba ubethe iqhosha lokuthenga, thatha inyathelo umva, camngca ukuba ungubani na njengomthengisi, kwaye uqinisekise ukuba icebo olikhethayo ngumdlalo owenziwe ezulwini ngenxa yobuntu bakho obahlukileyo.
11. Ukukholelwa kwiiSkimu zokuTyeba-ziKhawulezisa
Ukukholelwa kwiinkqubo zokutyeba ngokukhawuleza yimpazamo eqhelekileyo phakathi kwabarhwebi abatsha. Babona abahlobo babo besenza imali ngokukhawuleza kwaye bacinga ukuba banokwenza okufanayo. Kodwa inyaniso kukuba, ukuba kuvakala kukuhle kakhulu ukuba yinyani, mhlawumbi kunjalo. T
umbhobho obizwa ngokuba “ziingcebiso” kunye namaqela etelegram athembisa ubutyebi ngobusuku buhlala bubuqhophololo obushiya abarhwebi beneepokotho ezingenanto kunye namaphupha atshabalalayo.
I-stock market ayikho indawo yokwenza imali ngokukhawuleza. Kufuna umonde, uqeqesho, kunye nesicwangciso esicwangcisiweyo. Indlela eya kwinkululeko yezemali inde, kodwa umvuzo ufanelekile.
Ke, endaweni yokuwela kwizikimu zokutyeba ngokukhawuleza, gxila ekwakheni isiseko esiluqilima sohambo lwakho lokurhweba. Zifundise, yenza isicwangciso, kwaye unamathele kuso. Khumbula ukuba, ukucotha nokuzinza kuyaluphumelela ugqatso.
12. Ukungxama kuRhwebo
Urhwebo olungxamisekileyo lwenzeka xa usenza izigwebo ezirhabaxa, ezichukumisayo ngaphandle kwengcinga okanye uphando olwaneleyo. Yingxaki yakudala yabarhwebi abathi babanjwe kubushushu bomzuzu kwaye benze izigwebo ezikhawulezayo ezinokubuyisela umva.
Ukuziphatha yenye yezona zinto zibalulekileyo zorhwebo oluyimpumelelo; urhwebo olungxamisekileyo lunokuphosa olo qeqesho ngefestile.
Isitshixo sokuphepha ukuthengiselana ngokukhawuleza kukuba nesicwangciso esilungileyo kwaye unamathele kuso, nokuba kubonakala ngathi wonke umntu wenza imali ngebhakethi.
Kungcono ukuba uhlale usecaleni kwaye ulinde ithuba elilungileyo kunokuba wenze intshukumo ekhawulezileyo enokukwenzakalisa. Ngamanye amazwi, ngamanye amaxesha ukungenzi intengiselwano kukhethwa ukwenza embi kakhulu.
13. Ukubambelela Kwabo Balahlekileyo Ixesha Elide Kakhulu
Abarhwebi bahlala bewela kumgibe wokubamba abo balahlekileyo ixesha elide. Kunzima ukwamkela xa urhwebo lungasebenzi, kwaye kunzima kakhulu ukunciphisa ilahleko yakho.
Nangona kunjalo, ukwenza oko kubalulekile ekugcineni imali yakho yokurhweba. Ixabiso lethuba lixabiso lamathuba alahlekileyo, kwaye kubalulekile ekurhwebeni.
Cinga ukuba ugcina utyalo-mali olulahlekileyo ngelixa imarike iveza amathuba ongezelelweyo kwingeniso. Ngokwala ukuthengisa izabelo ezilahlekileyo, uxela kwangaphambili umvuzo onokuthi uzuzwe ngokutyala imali kwisivumelwano esinengeniso ethe chatha.
Esi sisohlwayo sokuxhoma kwabo balahlekileyo ixesha elide. Ngenxa yoko, kubalulekile ukunamathela kwiilahleko zakho zokuyeka kwaye unciphise ilahleko yakho njengoko kuyimfuneko.
14. Ukungahoyi ukubeka iliso kwiPotfoliyo Yakho
Ukurhweba kufana nomdlalo wechess, kwaye kubalulekile ukuhlala ujonge ebhodini. Ukungahoyi ukubeka iliso kwipotifoliyo yakho kufana nokudlala uvale amehlo – usenokuba ugibisela iidati kwidartboard kwaye unethemba lokona.
Ngokuqinisekileyo, Isicatshulwa esidumileyo sikaWarren Buffett malunga nokutyalomali kwaye ukulibala amashumi eminyaka kuvakala kukhanga, kodwa ayisebenzi ncam kwihlabathi elikhawulezayo lokurhweba.
'Iindaba' zikhukulisa i-intanethi, kwaye icandelo ngalinye lolwazi linamandla okuchaphazela ipotfoliyo yakho. Ke, kubalulekile ukugcina iliso elibukhali kutyalo-mali lwakho kwaye uhlale uphezulu kuphuhliso lwemarike. Kanye njengokuba awukwazi ukuseta ikhosi kwaye ulibale malunga nokuhamba, awukwazi ukuthenga izitokhwe kwaye ulibale ngazo.
Ngoko ke, musa ukungayihoyi ipotifoliyo yakho; yinike uthando nengqalelo eyifaneleyo!
15. Ukungafundi kwiimpazamo
Omnye weyona miba ibalulekileyo yokuba ngumrhwebi olungileyo kukufunda kwiimpazamo zakho. Akwanelanga ukubhala iimpazamo nje; kufuneka kwakhona sizimisele ukuzilungisa. Ukwenza iimpazamo akunakuphepheka kwihlabathi elikhawulezayo lokurhweba.
Eyona mpazamo inkulu kukusilela ukufunda kubo. Yonke impazamo esiyenzayo lithuba lokufunda nokuqhubela phambili, ilitye lokunyathela kwindlela eya ekubeni ngumrhwebi ongcono.
Nokuba kuyasilela ukulawula ipotfoliyo yethu, ukubambelela kwabalahlekileyo ixesha elide, okanye ukuwela kubuqhophololo bokutyeba ngokukhawuleza, kubalulekile ukuba sicamngce malunga noko kungahambi kakuhle kwaye siqonde ukuba singakuphepha njani na kwixesha elizayo.
Ngapha koko, eyona ndlela yokuphepha ukwenza iimpazamo ezifanayo kukusebenzisa oko sikufundileyo ukuze kungenelwe thina.
isiphelo
Ewe, nantso unayo!
Ukuza kuthi ga ngoku kufuneka ukuba ubonile ukuba urhwebo yintsimi entsonkothileyo kwaye ingumceli mngeni, kodwa kunokuba nomvuzo omangalisayo ukuba kwenziwe ngokufanelekileyo.
Ngokuphepha ezi mpazamo ziqhelekileyo, uya kuba linyathelo elinye kufutshane nokufikelela kwiinjongo zakho zorhwebo. Khumbula, yonke impazamo lithuba lokufunda nokukhula.
Ke, yiba nesibindi, ungoyiki, kwaye uhlale ufunda!
Kwaye ngubani owaziyo, unokuphela nje ngokuba yintsomi yokurhweba elandelayo. URhwebo olonwabileyo!
Shiya iMpendulo