Utyalo-mali oluncedo luyinkxalabo ephazamisa abo bantu abanakho imali ethile kwaye bafuna ukuyisebenzisa ukunyusa iholo yabo kwikamva. Kodwa indlela yokugcina imali kwaye ungatshitshisi? Lo mbuzo kunzima ukuphendula ngisho nabahlalutyi abanamava kunye nabawaziyo. Wonke umntu uzikhethela oko kukunceda, ukulungele kwaye okunokwethenjelwa ngoluvo lwakhe. Omnye uthanda izabelo, ezinye iimali eziphathekayo, ngokuqinisekileyo, umntu ukhetha ukutyalo-mali kwi-intanethi , iziqinisekiso ezihlukeneyo, kwaye ubeka imali kwiibhanki zebhanki.
Ukhetho lubanzi. Ngolunye lwezo zikhetho zentengiso enenzuzo kakhulu ilungele ukunakwa. Makhe sijonge ngakumbi, mhlawumbi oku kuya kukunceda uqaphele ukungaphumeleli kwabo kwaye ufumene izibonelelo, kunye nokugxila kwi-investment inzuzo ethile ngo-2013.
Utyalo-mali olunenzuzo kwi-Intanethi
Iimali zengxowa-mali (intsebenziswano mali) yinto yokuqala esiza kuyiqwalasela. Zilungile kuba emva kokuba utyalomali kwiibhondi kunye nezabelo zeenkampani ezahlukeneyo, abaqeqeshi abanolwazi baya kuba noxanduva lwenkqubo, awudingi ukufaka imizamo eyongezelelweyo kule nto. Inzuzo enkulu kakhulu - unikezwa ithuba lokwenza utyalo-mali oluncinci lwemali, akudingeki ukuba utyalo-mali. Yaye xa utyalomali kwiinkampani eziliqela ngelo xesha, ukuba kukho nawuphi na oya kuphawulwa, uya kukhuselwa ekulahlekelweni kwayo yonke imali yakho. Ngelishwa, ngokusebenza, yonke into ayinjalo. Kukho ilahleko ezilahlekileyo kunye nelahleko. Akukho mqinisekiso, konke kuxhomekeke kwimeko kwimarike kunye nokuthembeka kwenkampani. Ukubikezela into akunakwenzeka. Unokubheka inzuzo enkulu, ngaphandle kokuba eYurophu inzima iphela. Kodwa, njengoko uyazi, inzuzo enkulu apho kukho umngcipheko ophezulu.
Izabelo kunye nezibophelelo
Le ndlela yokutshala imali enenzuzo kwaye ukufumana inzuzo eninzi iya kuphumelela kuphela xa usuvele unomalimi onolwazi kwiimarike zamasheya, usebenzise ukuthenga nokuthengisa izitokhwe kunye nezibophelelo ngexesha elifanelekileyo. Kufuneka kukhunjulwe ukuba nge-investment encinci apha ayisebenzi, udinga imali eninzi. Kunokuba kuya kuba ngaphezulu, amathuba amaninzi kwimidlalo enenzuzo kwi-stock exchange for you. Ukwahluke kwiMutual Funds - uyinkosi-master, wenza zonke izigqibo ezinxulumene nexesha, indawo kunye nokuthengwa, ukuthengiswa kwezabelo kunye nezibophelelo. Konke kuxhomekeke kwisigqibo sakho, kufuneka ube nesitokethi sesikimu, kunye nokukwazi ukwenza ngokucwangcisekileyo kunye nokucwangcisa ngezenzo zakho izenzo.
I-drawback ebalulekileyo kukuba ininzi enkulu ingozi. Ngokuqhelekileyo kwenzeka - konke okanye akukho nto inobungozi.
Iibhanki zeBhanki ziyi-investment enenzuzo kakhulu ngaphandle kwengozi. Ukuba ibhanki iya kuphazamiseka, uya kubuyisela imali yakho. Kodwa kukho ukuphazamiseka kumbuzo-idiphozithi zithathwa njengincinci inzuzo ngokubhekiselele kwinzuzo. Kukho ukhetho olungenako ukufumana ingeniso yangempela enokulindela.
Ukutshala imali - apho kunenzuzo yokutyalomali?
Ekubeni umngcipheko awusoloko ulungele ukuzigweba, unyaka othembekileyo ngowama-2013 uza kutyalomali kwiifom zebhanki ezizinzile kunye ezinkulu. Unokufumana isiqinisekiso esinokuthenjwa, nangona asikho ipesenteji ephezulu. Kungcono kunokubeka ingozi nokulahlekelwa yinto yonke. Kwenene?
Utyalo-mali olunenzuzo kwi-estate
I-real estate yindlela enenzuzo yokutshala imali ngamaxesha onke. Emva kwakho konke, unyaka ngamnye kuphela ubiza kakhulu
Injabulo enjalo kukuba, kuyafaneleka, ngokulandelanayo. Kwale meko kukho enye into encinci: xa izakhiwo zigqityiwe, imitha yesikwere sezindlu iya kuba neendleko ezingaphezulu kwezona zigaba zokuqala. Ngendlela, awudingi ukuhlawula ixabiso elipheleleyo kanye kanye. Kuya kwanele ukuhlawula intlawulo yenyanga. Ngoko ke, cinga ngokutyalomali kwi-real estate kwisigaba sokwakha. Ngaloo ndlela, uya kusindisa imali efanelekileyo.