Ingabe uthola ibhonasi kulo nyaka?
Uma kunjalo, siyakuhalalisela!
Manje usunethuba lokuthenga okuzoba usizo olukhulu ezimalini zakho. Uma uzibuza ukuthi yikuphi ukutshalwa kwezimali okufanele ukwenze, nazi ezinye zezimpahla ezinhle kakhulu ongatshala kuzo ibhonasi yakho.
Kungani Kufanele Utshale Ibhonasi Yakho?
Ziningi izinto ongazenza ngebhonasi. Nakuba ungase uthathe isinqumo sokuyisebenzisa kokuthile okuhle kuwe, cabanga ukutshala imali esikhundleni salokho. Kulula ukubona ukuthi kungani ungase ulingeke ukuba usebenzise ibhonasi yakho.
Phela yisamba esikhulu semali ongase ungasiboni esikhathini esizayo esiseduze.
Ukutshala imali kubalulekile, imali oyitshalayo manje ekugcineni izokwazi ukusiza izimali zakho ngokuphawulekayo uma i-investimenti yakho isivuthiwe noma yenyuka ngenani.
Uma usuyitshalile imali, izobaluleka kakhulu futhi ingasiza ekunciphiseni noma ekuqedeni izikweletu.
Kungani Kufanele Utshale Kumpahla?
Usengazuza inani elikhulu lemali uma utshala ezimpahleni ezifanele. Kuyindlela ehlakaniphile yokuvikela ikusasa lakho ngokuthile okunedumela lokwanda kwenani.
Ukutshala imali ngobuhlakani ezimpahleni ezifanele kungakusiza uthuthukise isimo sakho sezezimali kungakhathaliseki ukuthi uneminyaka emingaki noma ukuphi ngokwezimali. Uma ucabanga ukuthi ungayitshala kanjani ibhonasi yakho, kubalulekile futhi ukucabangela ukuthi yimaphi amakilasi empahla azoba yinzuzo kakhulu kuwe.
Izimpahla Zokutshala Ibhonasi Yakho ENdiya
Ziningi izindlela ongatshala ngazo ibhonasi yakho.
Khumbula nje, uma uhlukahluka kakhulu, inani le-investimenti yakho liyoba phezulu. Nazi ezinye zezimpahla ezinhle kakhulu ongazitshala eNdiya:
Izimali Eziphuthumayo
Izimali zezimo eziphuthumayo ziyindlela enhle yokusiza izimali zakho zikhule kakhulu. Kubalulekile ukwazi ukuthi izimali eziphuthumayo akufanele zitshalwe kuzo zonke izigaba zokutshala izimali.
Kunalokho, utshalomali lwakho kufanele lusekelwe ohlotsheni lwesimo esiphuthumayo okungenzeka ube nalo. Ungase ube nesikhwama sezimo eziphuthumayo ngezinjongo zokwelapha, isibonelo.
Bala ukuthi siyimalini isikhwama sakho sezimo eziphuthumayo esikahle
Ukukhokha Isikweletu
Ngaphandle kokutshala imali ezikhwameni eziphuthumayo, kubalulekile futhi ukuphuma esikweletini futhi ukhokhe isikweletu ngokushesha.
Uma uthola imali ngokutshalwa kwezimali futhi ukhokhe izikweletu zakho ngesikhathi esisodwa, ungakwazi ngempela eqela ngaphezulu ngokuhamba kwesikhathi ngaphandle kokukhuphula ngisho nezindleko zakho zenyanga.
Funda ukukhokha izikweletu zakho ngokushesha.
I-Equity Exposure
Kubantu ngabanye, ukuchayeka kokulingana kuyinketho enhle ngoba bangathatha ubungozi obuthile uma bezizwa bekhululekile. Esikhundleni sokulandela isixuku, ungenza ukutshalwa kwezimali okukhulu okungakusiza ukuthi ukhulise izimpahla zakho futhi wenze imali ngenkathi zisencane.
Isibonelo, uma uthanda ukutshala imali esitokisini, kubalulekile ukucabangela imakethe yamasheya iyonke. Abatshalizimali abaningi bagxumela emakethe ngaphandle kokwenza lutho ucwaningo futhi ngokusekelwe emzwelweni wabo wemvelo nomuzwa wamathumbu.
Izingane Zakho
Uma unengane esikhule ngokwanele ukuthi ingaqala ukutshala imali, kubalulekile ukuthi ucabange ngokufaka ibhonasi yakho empahleni ezoyisiza ukuthi iphumelele.
Ungase ukhethe ukutshala ibhonasi kuyo ukuthengisa izindlu izingane zakho esikhathini esizayo - ngale ndlela, zingakha izimpahla zazo futhi ziqinisekise ukuzinza kwazo kwezezimali kukho konke ukuphila kwazo.
Izinqubomgomo zomshwalense nazo ziwumqondo omuhle ngoba zingakusiza ukuvikela wena nomndeni wakho ezindlekweni ezingalindelekile. Kubalulekile futhi ukuqinisekisa ukuthi ingane yakho inohlobo oluthile lomshwalense uma kwenzeka iphula ukushushuluza kwemilenze yayo.
Uhlelo Lukazwelonke Lwempesheni
(NPS) enye inketho enhle. Lolu wuhlelo lwempesheni olunikezayo izinzuzo zentela kanye nezinye izinzuzo. Ungakhetha ukutshala ibhonasi yakho ku-NPS noma kwezinye izinhlelo ezifanayo ezihlinzeka ngezinzuzo ezifanayo.
I-NPS ibilokhu ikhula ngokuthandwa, futhi kunezizathu ezimbalwa zalokhu. Kungasiza ukwandisa imali oyongele umhlalaphansi futhi kwenze kube lula kuwe ukushiyela izingane zakho ifa.
Kungani i-NPS ingumbono omuhle wokutshala imali
Yakha I-Corpus Yokuthenga Ikhaya
Iningi labahleli bezimali liyeluleka abantu abasha ukuthi bathathe amabhonasi abo bakhe ikhophasi ngenhloso yokuthenga umuzi. Lona umbono omuhle kakhulu ngoba ungakusiza uthuthukise impilo yakho ngezindlela eziningi.
Uma ungafuni ukuthenga ikhaya, ungatshala ibhonasi kwezinye izimpahla ezingenza impilo yakho ibe lula kakhulu.
Izitoreji Eziyinhloko
Uma ucabanga ukuthi ungayitshala kanjani ibhonasi yakho, kubalulekile ukukhumbula ukuthi kufanele utshale izinto ezizokusiza ukhulise utshalomali lwakho ngokuhamba kwesikhathi.
Noma ibhonasi yakho incane, isengenza umehluko omkhulu uma uyitshala ngendlela efanele. Nazi izinto zami ezibalulekile engingazithatha kulesi sihloko:
- Ukutshala imali kuyikhono lempilo elingase libe khona kubantu ukuze balungiselele ikusasa labo lezezimali
- Kunezinketho eziningi zokutshala imali eNdiya futhi eziningi zazo ziwusizo kakhulu kubantu abasha.
- Kubalulekile ukucabangela isimo sakho nokuthi hlobo luni lwemali onayo yokutshala.
shiya impendulo