Abantu abaninzi bacinga malunga nezinto ezithintekayo ukuthenga ngoku, kuba kubaluleke kakhulu ukutyalomali ngendlela engapheleli nje kuphela, kodwa nokuphindaphinda. Ngokuqinisekileyo, akunakwenzeka ukuchaza ngokuchanekileyo ukuba zeziganeko kwilizwe lezemali ziza kuphuhliswa, kodwa ngexesha elinzima - ngakumbi, kodwa ukubala ukuba yeyiphi inqanaba elinokulindela ukukhula ngethuba elikhulu kunokwenzeka.
Ziziphi izitokisi ezinenzuzo kakhulu ukuthenga namhlanje?
Okokuqala, makhe sibone, kodwa kunenzuzo ekuthengeni izabelo, okanye, mhlawumbi, kuya kuba ngcono ukubeka imali kwi-akhawunti yebhanki kwaye ufumane ipesenti. Iingcali zithi ukubeka imali kwidiphozithi akunangqiqo, kungekho nanini, kuba akukho bhanki inokukunika inzala yenzalo eya kuvimba ukunyuka kwamaxabiso, ngelixa iifowuni kunye neziqinisekiso zingakhula kwixabiso ezinyangeni ezimbalwa nje ukuze ungagcini nje imali, kodwa kwaye ufumane imali engenayo.
Ngoku masithethe ngeendlela zokuthenga izabelo. Ukuze wenze imali kulezi ziqinisekiso, kuyimfuneko ukuba kungekhona nje ukuqonda ukuba yeyiphi i-stocks enenzuzo yokuthenga, kodwa nokuba ukwazi ukuba uza kuzithengisa nini. Ukuqwalasela ezi ngongoma ezimbini, ubuncinane kwinyanga e-1, kujonga ngokuthe ngqo imarike yokugcina kunye nokuchonga iindlela eziphambili. Ngelishwa, ngaba ootitshala abanakuze baphephe iimpazamo ekunqumeni umgangatho, ngoko ke iingcali zicebisa ukuthenga izabelo zale nkampani ngokuqinisekileyo zihlala zihlala kwiimeko zethu ezinzima. Ngokuqinisekileyo, imali eninzi kwiqhinga akufanele ilindeleke, kodwa awuyi kulahlekelwa yimali. Amashishini amaninzi anyanzelisiweyo namhlanje ioli kunye negesi, amandla kunye neenqwelo-moya. Ukutshala imali kwimali , uphantse uqinisekiswe ngokupheleleyo ngokulahlekelwa kwabo.
Kunengqiqo ukuthenga i-securities kungekhona xa iphakamileyo yexabiso, kodwa xa ixabiso labo, nangona kunjalo, kodwa liya kuncitshiswa. Ngokuqinisekileyo, ixabiso lezabelo zamashishini athatywayo alisoloko ewa, kodwa ukunciphisa okuncinci kunokwenzeka ukuba kwenzeke imihla ngemihla, ukubamba le mzuzwana, uya kulondoloza imali encinane xa uthengela ukugcina.
Ukuba awukwazi ngokupheleleyo ihlabathi lezezimali kunye neendlela zalo, okanye nje ungafuni ukuchitha ixesha lakho ufunda nokuhlalutya imeko, kunengqondo kakhulu ukuqesha umthengisi oya kukunyamekela yonke intengiso echaphazelekayo ekuthengeni nasekuthengiseni.
Kuphi ukuzuza ukuthenga izabelo?
Ngaphambi kokugqiba isivumelwano kunye nomthengisi kwaye unike imali yakho, qi niseka ukuba ufake imali ezandleni ezithembekileyo. Iingcali zikwacebisa ukuba ufake isicelo sokukhangela abathengi kwiibhanki ezinkulu, ngokuqinisekileyo, awuyi kunikwa izimo ezinzima kakhulu, kodwa awukwazi ukwesaba ukuba ngokusemthethweni uza kulahla yonke into etyalwe kulo mcimbi. Okwangoku, phantse zonke iibhanki ezinkulu zinabathengi kwilizwe, kufuneka nje ukuba uye eofisi yombutho onjalo kwaye ucele ukumema ochwepheshe.
Akuyi kuba yinto engafanelekanga ukuthetha nomthengisi kunye noko kuthengwe
Ngokuqaphela ukuza kumbandela wokutyalwa kwemali, uyasindisa kwaye uyayandisa.