Kodi Mungayambe Bwanji Kuika Ndalama Muli Wachinyamata?
“Ndinkawononga ndalama pa zinthu monga zakudya zachangu, mafilimu, ndi zipangizo zamakono. Ndimanong'oneza bondo kuti sindinaphunzire za kusungitsa ndalama m'zaka zanga zaunyamata." Achinyamata ambiri amanong’oneza bondo chifukwa chosadziŵa za kubweza ndalama akadali achichepere.
Ndi wamba, kuti ambiri achinyamata kapena makolo sanamvetsetse kuti kuyika ndalama ndi kwa akulu okha. Zowonadi, kuyamba kusungitsa ndalama udakali wachinyamata ndikololedwa, ndipo kwalimbikitsidwa ndi makolo m’mabanja ambiri m’zaka zaposachedwapa. Nkhani yogulitsa ndalama ya Buffett inayamba ali mwana, chidwi ndi manambala ndi malonda. Anagula katundu wake woyamba ali ndi zaka 11 ndipo anayamba kugulitsa malo ali ndi zaka 14.
Kuyamba kuyika ndalama mwachangu kumakupatsani mwayi kupambana kwachuma kenako m'moyo chifukwa cha mphamvu ya chiwongola dzanja. Chinthu choyamba ndikudziphunzitsa nokha pa njira zanzeru zopezera ndalama. Maphunzirowa akukuuzani momwe mungayambitsire ndalama mukadali wachinyamata ndikuphwanya zofunikira. Makolo nawonso angaphunzirepo kanthu m’nkhaniyi kuti atsogolere ana anu pa chiyambi chawo choyamba cha ndalama zachinyamata.
M'ndandanda wazopezekamo:
Pezani Ophunzira Anu Kukhala Otanganidwa
Yambitsani kukambirana kwatanthauzo, pezani mayankho othandiza ndipo phunzitsani ophunzira anu. Lowani kuti mutenge template yaulere ya AhaSlides
🚀 Tengani Mafunso Aulere☁️
Zomwe Mukufuna Mukadadziwa Poyambirira
Kodi Investing for Teens ndi chiyani kwenikweni ndipo chifukwa chiyani ndikofunikira?
Kuyika ndalama kumatanthauza kuyika ndalama muzinthu zomwe mukuyembekeza kuti zidzakula pakapita nthawi kuti mupange chuma. M'malo mosunga ndalama mu akaunti yosungiramo chiwongoladzanja chochepa, mumatsegula akaunti ya brokerage ndikuyika masheya, magawo, ma bond, ETFs, mutual funds, ndi zotetezedwa zina.
Lingaliro lofunikira ndikukulitsa kukula, komwe phindu lanu limabwerezedwanso kuti lipange phindu lochulukirapo. Umu ndi momwe kuyamba wachinyamata kumapereka ndalama zanu zaka makumi angapo kuti ziwonjezere phindu. Pitirizani kuwerenga kuti mudziwe momwe mungayambitsire ndalama mukadali wachinyamata.
Mwachitsanzo, ngati mwaganiza zoyamba kupanga ndalama mukamaliza maphunziro anu, khalani $100 mosalekeza pamwezi, ndikupeza phindu lathanzi la 10% pazogulitsa zanu (zophatikizidwa pachaka), mudzalandira $710,810.83 mukakhala ndi zaka 65. Komabe, mukadayamba kupereka ndalama zaka 16, mungakhale ndi $1,396,690.23, kapena kuwirikiza kawiri kuchuluka kwake.
Momwe Mungayambire Kuyika Ndalama Monga Wachinyamata Pang'onopang'ono?
Kodi Mungayambe Bwanji Kuika Ndalama Muli Wachinyamata? Nawa kalozera wathunthu wa momwe mungayambitsire ndalama ngati wachinyamata. Zomwe muyenera kuchita ndikutsata njira izi, zomwe zafotokozedwa pansipa.
- Tsegulani akaunti ya brokerage ya achinyamata
- Khalani ndi zolinga zenizeni komanso zomwe mungathe kuzipeza
- Geek Out pa Investing Knowledge
- Pezani Ubwino wa Zida Zonse Zomwe Zilipo
- Pewani Crypto, Yang'anani pa Masheya ndi Ndalama
- Tsatani Ndalama Zanu
Kodi Akaunti Zabwino Za Brokerage kwa Achinyamata ndi ziti?
Sankhani maakaunti oyika ndalama mwanzeru. Maakaunti osunga ndalama amapereka njira yoyambira yopezera chiwongola dzanja pandalama zochulukirapo. Maakaunti osungira amaphatikizapo makolo kuvomereza akaunti yaubwezi m'dzina la mwana kuti aziyang'anira zinthu zogulitsa.
Achinyamata ambiri amatsegula maakaunti osungira koma amakhala ndi udindo wowongolera ndalamazo pakapita nthawi ndi kuyang'anira kwa makolo. Ganizirani zolipiritsa, ndi ma depositi ochepa posankha wopereka akaunti yogulitsa. Zosankha zina zabwino ndi Charles Schwab, Interactive Brokers IBKR Lite, E*TRADE, ndi Fidelity.® Akaunti Yachinyamata.
Khazikitsani Zolinga Zachuma Za SMART
Musanadziwe momwe mungayambitsire ndalama mukadali wachinyamata, khalani ndi ndalama zomveka bwino zolinga. Fotokozani zolinga zanthawi yochepa, monga kupulumutsa ku koleji kapena galimoto, ndi zolinga zanthawi yayitali kukonzekera ntchito. Kupanga Zolinga za SMART imakupangitsani kuyang'ana ndikukulimbikitsani komwe mukufuna kuti njira yanu yoyendetsera ndalama ikufikireni.
Geek Out pa Investing Knowledge
Phunzirani mfundo zazikuluzikulu zoyikapo ndalama ndikumvetsetsa zoopsa ndi zobweza. Phunzirani mfundo zazikuluzikulu monga kusiyanasiyana, kuwerengera mtengo wa dollar, kubwezeretsanso magawo, kuyika ndalama zokhazikika, ndi kufananiza kuchita malonda ndi kuyika ndalama mopanda malire. Dziwani mbiri yanu yolekerera zoopsa kuchokera pamwano mpaka mwaukali. Mukamadziwa zambiri musanayambe kuyika ndalama mukadali wachinyamata, mumakulitsa mwayi wanu wopambana.
Pezani Ubwino wa Zida Zonse Zomwe Zilipo
Kodi Ndiyambire Kuti Kusunga Ndalama Kuti Ndiyike? Kukulitsa ndalama zanu pakapita nthawi kumadalira kupereka ndalama zochulukirapo mwamsanga momwe mungathere mu mbiri yanu. Pezani ndalama kuti mugwiritse ntchito pochepetsa kugwiritsa ntchito zinthu zosafunikira, kupeza ndalama kuchokera ku zolandilidwa kapena ntchito zanthawi yochepa, kapena ndalama mphatso za masiku akubadwa ndi tchuthi. Gwiritsani ntchito spreadsheet yosavuta kupanga ndikumamatira ku bajeti ya pamwezi yomwe imawongolera ndalama muzogulitsa zanu.
Zosankha Zogulitsa - Ndi Chiyani Choyenera Kwa Inu?
Wamba ndalama chuma monga masheya ndi ma bond kunyamula milingo yosiyanasiyana yachiwopsezo ndikubwerera. Ndalama za index zimapereka njira yosavuta yopangira ndalama mudengu losiyanasiyana la zotetezedwa, monga S&P 500 yonse.
Monga wachinyamata angoyamba kumene kuyika ndalama, konda kubetcherana kotetezeka kuposa zinthu zongopeka ndikusunga nthawi yayitali kuthamangitsa phindu kwakanthawi kochepa. Mutha kuyamba ndi kuyika ndalama zokhazikika ndi malipiro choyamba, zikutanthauza kuti bungwe limalandira phindu kapena zochulukirapo, ndipo limatha kulipira gawo la phindu ngati gawo kwa eni ake.
Pewani zinthu zongopeka ngati ma cryptocurrencies kapena masheya a meme omwe amalonjeza zopindulitsa kwakanthawi kochepa…samatha bwino! Pewani malonda ochulukirachulukira pokhala ndi ndalama kwa nthawi yayitali. Khalani owona pakuyerekeza, chifukwa ngakhale kubweza kwapachaka kwa 8-10% kumakhala kokulirapo pazaka zambiri, osati modzidzimutsa. Kumbukirani zolipiritsa, misonkho, ndi kukwera kwa inflation zimawononganso kubweza ndalama.
Kutsata Mandalama Anu - Gawo Losangalatsa!
Lowani pafupipafupi mumaakaunti anu oyika ndalama kuti muwone kusintha kwamtengo wamsika. Yembekezerani kuviika kwakanthawi, kukana kugulitsa mantha pakanthawi kochepa. Kwa miyezi ndi zaka, onetsetsani ngati zolinga zanu zachuma zikuyenda bwino. Yang'ananinso kulekerera kwanu pachiwopsezo nthawi ndi nthawi mukamakula kuti muwone kusintha koyenera kwa mbiri yanu. Khalani otanganidwa ndikuwona ukonde wanu uyenera kukwera pamene mukuyamba momwe mungayambitsire ndalama mukadali wachinyamata!
Zitengera Zapadera
Kodi Mungayambe Bwanji Kuika Ndalama Muli Wachinyamata? Khalani ndi chidziwitso pakuyika ndalama, khalani ndi zolinga zachuma zomwe mukufuna, sungani nthawi zonse, sankhani zinthu zoyenera, gwiritsani ntchito akaunti yoyenera, tsatirani mbiri yanu, ndikuphunzira kuchokera pazopindula ndi zotayika. Kuphatikizira kumagwiradi ntchito zake zamatsenga mutangoyamba kumene. Tsatirani malangizo awa amomwe mungayambitsire ndalama mukadali wachinyamata ndikulola nthawi kuti ikule! Gawo loyamba - kambiranani zazachuma ndi makolo anu usikuuno!
💡Kodi mukuyang'ana njira yabwino komanso yosangalatsa yophunzitsira achinyamata za kusungitsa ndalama mwanzeru kwa achinyamata? Gwiritsani ntchito nthawi yanu ndi Chidwi, ndipo simufunikanso kuvutika kuti mupereke ulaliki. Lowani Tsopano!
Mafunso Ofunsidwa Kawirikawiri
Kodi mwana wazaka 13 angayambe bwanji kuyika ndalama?
Kukwanitsa zaka 13 kumatanthauza kuti achinyamata atha kutsegulira mwalamulo maakaunti osungira. Ngakhale zochepa, chiwongoladzanja chomwe amapeza chimapangitsa achinyamata kukhala ndi chizolowezi choika ndalama. Funsani makolo za kusamutsa mphatso zandalama kapena kupeza ndalama kuchokera ku ntchito zapakhomo, kusamalira ana, ndi kutchetcha udzu m'magalimoto oyambira oyambira.
Ndi njira iti yosavuta yoti achinyamata ayambe kuyikapo ndalama m'masheya?
Njira yosavuta yopezera ndalama zothandizira achinyamata kuti apeze msika wa masheya ndikungoyika ndalama mu index-based mutual funds ndi exchange-traded funds (ETFs). Tsegulani akaunti yosungitsa ma brokerage moyang'aniridwa ndi mthandizi kuti mupeze mabizinesi osiyanasiyanawa mosavuta pa intaneti komanso ndi chindapusa chotsika.
Ndi njira ziti zomwe zimalola mwana wazaka 16 kuti ayambe kupanga ndalama?
Ali ndi zaka 16, osunga ndalama achinyamata ku US atha kutchulidwa kuti ndi omwe adzapindule ndi akaunti kuti agwiritse ntchito ndalamazo ndi chilolezo cha makolo/chowayang'anira. Izi zimalola achinyamata kuwongolera mwachindunji masheya, ma bond, ndalama zolumikizana, ndi zitetezo zina pomwe akudalira mwalamulo kuyang'anira akaunti ya akulu.
Kodi osunga ndalama azaka 16 angagule masheya payekha?
Inde, ndi zilolezo zoyenera komanso kuyang'anira akaunti ya achikulire, ndizovomerezeka kuti ana azaka 16 azigulitsa mwachindunji m'matangadza kuwonjezera pa ndalama. Masheya amodzi amakhala ndi chiwopsezo chochuluka, komabe, kupanga ndalama zotsika mtengo zoyambira zoyambira kwa achinyamata omwe ali ndi malingaliro osiyanasiyana omwe akuyembekeza kukulitsa chuma pakapita nthawi.
Kodi ndondomekoyi ikufananiza bwanji ndi omwe ali ndi zaka 19 akuyamba kugulitsa?
Ana azaka 19 atha kutsegula maakaunti abizinesi kuti azitha kupeza misika yonse yogulitsa anthu ambiri kuchokera kumasheya ndi ndalama zolumikizana kupita kuzinthu zina monga katundu ndi ndalama. Komabe, kugwiritsa ntchito ndalama za index ndi upangiri waupangiri wachuma monga ochita ndalama ochita malonda kumakhalabe kwanzeru musanapange kubetcha pa zinthu zowopsa, zovuta kwambiri.
Ref: Investopedia
