Ukutshala imali kungaba umdlalo oyingozi ongawulandela.
Uma usanda kunquma ukukhuphula umdlalo wakho wezokuphepha wesikhathi eside ngokukhetha ukutshala imali, nazi izeluleko eziyisikhombisa ezibalulekile zokutshala izimali okufanele uzilandele wena njengosaqalayo -
1. Funda ngaphambi kokufaka isicelo: Uma usunezimali ezanele zokutshala, qala ukufunda ngokutshala imali.
Kunezinketho eziningi zokutshala imali njengezitoko, izimali zomphakathi, izitifiketi zediphozithi, igolide, njll. Funda mayelana nethuba ngalinye lokuqonda ukuthi yiliphi elikufanele kakhulu.
Okokuqala—qonda amagama ayisisekelo, azokusiza ekwenzeni izinqumo eziphusile. Kunezincwadi ezimbalwa, ama-e-books, namajenali atholakalayo anedatha efanelekile yokuthi uqale uhambo lwakho lokutshala imali!
I-inthanethi nayo igcwele ulwazi oluningi mayelana nemakethe kanye nokutshala imali emakethe.
Enye indlela enhle yokufunda konke mayelana nokutshala imali ngokusebenzisa abatshalizimali osevele ekhona.
Kungaba umngane, ilungu lomndeni, noma ngisho uchwepheshe. Thatha isiqondiso sabo ukuze uqonde konke okudingeka ukwenze ngaphambi kokungena emhlabeni wokutshala imali.
2. Hlukanisa utshalomali lwakho: Unganciki nje ohlotsheni olulodwa lokutshalwa kwezimali, futhi gcina iphothifoliyo yakho yezimpahla ihlukahlukene. Tshala ezindaweni ezahlukene zokutshala imali ukuze ugweme ukulahlekelwa yonke imali ngesikhathi esisodwa uma ingxenye ethile ibona ukuwa.
Umtshali-zimali ohlakaniphile wakha iphothifoliyo enazo zonke izinhlobo zamathuba okutshala imali; okuyingozi, okuphephile, okwesikhathi eside, kanye nesikhashana. Lokhu kuvumela umtshali-zimali ukuthi asebenzise izinzuzo zohlobo ngalunye lwempahla.
Iba nephuli izibopho, i-mutual funds, izibambiso, izitoko, imali ebolekiwe, nezinketho ongatshala kuzo imali yakho.
Ngaphandle kwalokhu, ukuthengisa izindlu, igolide, nezinye izimpahla ezinjalo nazo zingacatshangelwa uma ubheka ukuhlukanisa iphothifoliyo yakho yokutshala imali kakhulu.
Kodwa-ke, ungayixabanisi kakhulu iphothifoliyo yakho uma uzwa sengathi kusesekuseni kakhulu ukuthi uyilawule yonke.
Njengomuntu oqalayo, kufanele uqale kalula futhi wazi imikhawulo yakho.
Khetha izinketho ezimbalwa zokutshala izimali owaziyo ukuthi ziyalawuleka. Uma uzama ukungena kulo lonke ibhodi ngephothifoliyo yakho - kungase kuphumele okuhlangenwe nakho okukhulu kakhulu nokucindezelayo.
3. Hlala uzolile ngesikhathi soku imakethe yebhere: data-preserver-spaces=”true”> Ukuthengisa ukwethuka akusizi muntu futhi kubangela ukulahlekelwa. Uma umusha emakethe futhi kukhona ukwehla kwamanani kungazelelwe, futhi imakethe iyaphahlazeka, ungathuki.
Uma ubona amanani ehla, into yokuqala okufanele uyenze ukukhohlwa ngokulahlekelwa kwamanje futhi ugxile ekudaleni ingcebo yesikhathi eside.
Qinisekisa ukuthi awubheki njalo i-akhawunti yakho ye-brokerage futhi ugweme ukuhlola izintengo zesitoko ngokweqile.
Hlala uzolile phakathi nale nqubo ngoba zonke imakethe ephahlazekayo izobuyela phezulu.
Isikhathi ngasinye sebhere silandelwa yinkathi yenkunzi, ngakho-ke into engcono kakhulu ongayenza phakathi nalesi sikhathi ukuhlala uzolile futhi uhlelekile futhi ugweme ukusabela ngokweqile. Khumbula, ungahlala ulinganisa intengo yesitoko ngokuhamba kwesikhathi.
Ukulinganisa kukuvumela ukuthi ukhuphule noma wehlise izintengo zesitoko sakho ngokuya ngesimo semakethe futhi unqande ukulahlekelwa okuphezulu.
4. Qonda imigomo yakho, umugqa wesikhathi, kanye nesizathu sokutshala imali: Wonke umuntu unesizathu nenjongo ehlukile ngemuva kokutshala kwabo imali. Izinqumo namasu okutshalwa kwezimali kuncike kakhulu kulezi zizathu.
Uma ufuna enye imali eyengeziwe ekutshalweni njalo, iphothifoliyo elondolozayo iyona engcono kakhulu oyikhethayo.
Uma uhlose ikusasa, ukutshala imali emagameni athembekile azovuna izinzuzo esikhathini eside kuyisinqumo esifanele. Kodwa-ke, uma ukulo mdlalo omkhulu, uzodinga ukubamba ukutshalwa kwezimali okunolaka.
Isikhathi futhi sibaluleke kakhulu. Isibonelo, uma uhlose imibono yokutshala imali yesikhashana, ukukhetha usuku lwangaphakathi emakethe yamasheya kuyisinqumo esifanele. Kodwa-ke, uma ufuna ukutshala imali isikhathi eside, i-mutual funds ingenye ye ukukhetha okuphezulu.
5. Ingqondo, hhayi imizwa: Uma ungena emhlabeni wokutshala imali, qiniseka ukuthi imizwa yakho ayizikhethi izinkampani ofuna ukutshala kuzo.
Hlala unengqondo, futhi wenze izinqumo ezihambisanayo. Imizwa ayivunyelwe emhlabeni wezezimali. Izinketho zakho kufanele zisekelwe kuphela ocwaningweni olufanele kanye nokulethwa okunamasu.
Ngenxa yokuthi uthanda inkampani ethile, amanani ayo noma abanikazi akusona isizathu esanele sokutshala imali kuleyo nkampani. Iqiniso lokuthi ufuna ukuthenga amasheya enkampanini oyisebenzelayo noma umlingani wakho lingase lijabulise.
Kodwa lokho, futhi, akusona isizathu esifanele sokutshala imali kulowo mkhiqizo ngokungaboni.
Qinisekisa ukuthi uhlaziya ngenkuthalo ukuthrenda kwenkampani kule minyaka emihlanu edlule (okungenani).
Abatshalizimali abahamba phambili, izinhloso zabo zesikhathi eside, kanye nenzuzo nokulahlekelwa kweminyaka edlule kufanele kuhlaziywe, futhi.
Lezi yizici ezibalulekile okufanele zihlale zicatshangelwa ngenkathi kutshalwa imali.
6. Gwema ukusebenzisa amandla: Kwabaqalayo, ukusebenzisa amandla, owaziwa nangokuthi imali ebolekiwe, kungaba isiqalo esilula. Leli elinye lamaphutha amakhulu abatshalizimali abasha abawenzayo, njengoba bekhohlwa ukuthi ukutshala imali akulokothi kube ukuphosa okuqinisekile.
Ungenza imali, yebo. Kodwa futhi ungalahlekelwa yimali, eningi - futhi ngezinye izikhathi, yonke.
Kukhona ubungozi obukhulu bokuhweba ngamasheya okunamandla-amathuba okulahlekelwa okungaphezu kwalokho otshalile ayanda.
Hlala utshala ngemali yakho, noma ngabe incane kangakanani. Uma ulahlekelwa yimali yakho, ulahlekelwa ingxenye yeholo lakho kuphela. Uma ulahlekelwa yimali yomboleki, awulahlekelwa yilokho kuphela kodwa nenzalo.
Ukwengeza, ulahlekelwa ubudlelwano bomphakathi, isithunzi sakho, nokuthula kwengqondo, futhi. Umuntu kufanele acabange kuphela ngemali angakwazi ukulahlekelwa ngayo ngaphandle kokuphazamisa impilo yakhe nesimiso.
7. Yazi ukubekezelela kwakho ubungozi: Ukutshala imali ezimakethe zamasheya kanye nobungozi kuhambisana. Abaphelele ngaphandle komunye nomunye. Yingakho udinga ukuhlaziya ngokucophelela ubungozi obuhambisana nohlobo lwendawo yokutshala imali oyikhethayo.
Tshala imali kuphela ngokuya ngengozi ongayibekezelela.
Ngokuvamile kunezinhlobo ezintathu zabatshalizimali - abatshalizimali onolaka, umtshali-zimali olinganiselayo, kanye nomtshali-zimali olondolozayo.
Uma ungumuntu ongafuni ubungozi futhi ufuna ukuthwala ubungozi obuncane, izinketho ezifana nezibambiso zikahulumeni kanye izimali zomphakathi ukukhetha okulungile. Uma usukulungele ukuthatha ubungozi kodwa ungafuni ukungena ngaphakathi ngokuphelele, ukutshala imali esitokweni esimaphakathi kuyisinqumo esifanele.
Okokugcina, uma ukwazi ukubekezelela ubungozi obukhulu, amasheya, amabhondi esivuno esikhulu, njll., kuyinketho elungile kuwe. Uma uvuleke kakhulu ezingozini ezinzima, ungadlala kakhulu futhi uhlole imakethe.
Uma ujaha inzuzo ephezulu kodwa futhi ulungele ukuthwala ukulahlekelwa okukhulu, imakethe yamasheya iyigumbi lakho lezimfihlo!
IZWI LOKUGCINA:
Amathiphu ashiwo ngenhla azuzisa kakhulu kunoma ubani omusha emhlabeni wokutshala izimali.
Nokho, noma ngabe usunesikhathi ulapha, ukulandela lawa macebiso kuzokusiza ngempela ukuthi ufike emdlalweni wakho wokutshala imali. Ukutshala imali yitemu elinenzuzo enkulu, kodwa akulula njengoba lizwakala.
Kudinga amasu amaningi, ukuhlaziya, ukucabanga, nokukhetha enye indlela engcono kakhulu. Kwabaqalayo, lokhu kungase kube nzima kakhulu ngezinye izikhathi. Phela, ukusebenzisa izimali zethu ngendlela engcono kakhulu akukwazi ukuba yikhekhe.
Iningi labantu, ikakhulukazi intsha, likhetha amasheya njengenketho yabo yokuqala yokutshala imali.
Lokhu kungenxa yemali kanye nokungafihli lutho okuhlinzekwa yimakethe yamasheya, kanye nemiphumela emihle!
Kodwa-ke, kudinga isikhathi esithile nokuzijwayeza uma umuntu efisa ukujika kusukela ku-novice ukuya kumthengisi / umtshali-zimali ophumelelayo futhi enze isabelo sabo senzuzo abasifisayo.
Ungathanda futhi ukubheka lezi izinhlelo zokusebenza eziphezulu zokutshala izimali zabaqalayo.
shiya impendulo