Momwe Mungayambitsire Kuyika Ndalama? Mamiliyoni ndi mabiliyoni nthawi zambiri - mwina POPANDA - amasiya ndalama "zogona" ngati ndalama. Kuyika ndalama ndi imodzi mwa njira zothandiza kwambiri zopezera ndalama zambiri. Ndiye mungayambe bwanji kuyika ndalama, kapena mungayambe bwanji kuyika ndalama popanda ndalama? Kodi ndiyenera kugulitsa nyumba ndi nyumba? Tiyeni tipeze mayankho a mafunso anu okhudza kuyika ndalama tsopano.
M'nkhaniyi, muphunzira:
- Kodi Mungayambe Bwanji Kuika Ndalama Muli Wachinyamata?
- Kodi Mumafunika Ndalama Zingati Kuti Muyambe Kuyikapo Ndalama?
- Momwe Mungayambitsire Bizinesi Popanda Ndalama?
- Momwe Mungayambitsire Kuyika Ndalama mu Stock Market?
- Kodi Mungayambire Bwanji Kugulitsa Malo Ogulitsa Malo?
- Kodi Mungayambe Bwanji Kuyika Ndalama mu SIP?
- Momwe Mungayambitsire Kuyika Ndalama mu Startups?
- Zitengera Zapadera
- Mafunso Ofunsidwa Kawirikawiri
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Momwe Mungayambitsire Kuyika Ndalama Muli Wachinyamata?
Ndi kutchuka kwa intaneti komanso kuchuluka kwa kugula ndi kugulitsa pa intaneti, achinyamata akupeza ndalama zambiri kuposa makolo awo azaka zomwezo masiku ano. Ngakhale nthawi ya digito isanafike, kuyambira kuyika ndalama mukangotembenukira ku 13 kapena 14 sizinali zopitirira malire, ndipo Warren Buffett ndi chitsanzo chabwino kwambiri. Sikuti tonsefe titha kukhala ndi malingaliro akuthwa ngati Warren Buffet tidakali wachinyamata, koma pali kuthekera kwakukulu koyambira kuyika ndalama tsopano.
Zosavuta monga izi, tsegulani akaunti yobwereketsa kuchokera pamapulatifomu odalirika, gulani masheya, ma bond, magawo, ndikuyang'ana pakukula kwanthawi yayitali. Pambuyo pa zaka 5-6, mudzadabwa kuti mwapeza ndalama zambiri kuposa zomwe mumayembekezera.
Kodi Mumafunika Ndalama Zingati Kuti Muyambe Kuyikapo Ndalama?
Tsopano, inu mukhoza kudabwa ndalama zingati zoyambira kuyikapo? Palibe yankho lenileni la izo, ndithudi ngati muli ndi ndalama zambiri, ziribe kanthu. Kwa anthu omwe amapeza ndalama zambiri, malamulo abwino akutengapo mbali 10-20% ya ndalama zomwe mumapeza pambuyo pa msonkho pamwezi kwa ndalama. Ngati mumapeza $4000 pamwezi, mutha kutulutsa $400 mpaka $800 pakugulitsa kwanu.
Mwachitsanzo, kuyika ndalama m'matangadza ndi zopindula kungakhale chiyambi chabwino cha phindu la nthawi yayitali ndi bajeti yochepa. Koma ndi ndalama zingati zomwe mungaike pakugulitsa zimayenera kukwaniritsa chimodzi mwazofunikira: mulibe ngongole yayikulu, muli ndi ndalama zomwe mumasungira pakagwa mwadzidzidzi, ndipo ndi ndalama zopumira, muli ndi chidziwitso chofunikira pazachuma, ndipo ndinu wokonzeka kutenga zoopsa.
Momwe Mungayambitsire Bizinesi Popanda Ndalama?
Bwanji ngati mulibe ndalama? Nachi chinthucho, mungathe yambitsani bizinesi popanda ndalama kutengera ukatswiri ndi zida zomwe zilipo. Mwachitsanzo, malonda ogwirizana ndi otchuka masiku ano. Muli ndi blog yanu, IG, Facebook, X akaunti ya twitter yokhala ndi owerenga ambiri ndi otsatira, itha kukhala malo abwino oyika maulalo ogwirizana ndikupeza ndalama kuchokera pamenepo popanda likulu lakutsogolo. Wokondedwa wanu adzakulipirani ndalama zambiri, zimatha kusiyana, $ 1, $ 10, ndi zina pa kugula kulikonse ndizotheka. Zikumveka bwino, chabwino?
Momwe Mungayambitsire Kuyika Ndalama mu Stock Market?
Kuyika ndalama mu Stock Market sichinthu chatsopano. Tsegulani akaunti yobwereketsa ndikutsata kayendedwe ka masheya ndi msika ndikosavuta kwambiri ndi foni yanu yam'manja. Chilichonse chili pa intaneti. Chofunikira ndichakuti wogulitsa brokerage kapena wogulitsa ndiye wabwino kwambiri, wokhala ndi ndalama zotsika kapena ziro. Chofunika kwambiri, momwe mumadziwira kuti masheyawa ndi abwino kuyikamo ndalama. Muzinthu, chiopsezo chachikulu, mphotho zapamwamba. Ngati simukufuna kuyika pachiwopsezo, imayang'ana kwambiri zandalama zokhazikika, zogawika, ndi ma ETF a S&P 500, omwe ndi makampani odziwika bwino omwe akukulirakulira.
Kugulitsa vs Kuyika Ndi Chiyani Chabwino? Pamsika wamasheya, pali zinthu ziwiri zomwe muyenera kuziganizira, malonda vs kuyika ndalama. Funso lodziwika bwino ndi lomwe lili bwino. Yankho limadalira. Kugulitsa ndi kupindula kwakanthawi kochepa mukagula ndikugulitsa zotetezedwa mwachangu, kuti mupeze kusinthasintha kwamitengo. Mosiyana ndi izi, Kuyika ndalama kumakhudza phindu lanthawi yayitali, mukagula ndikusunga masheya kwazaka, ngakhale zaka makumi angapo kuti mubweze. Ndi chisankho chanu kusankha mtundu wa ndalama zomwe mungakonde kapena zigwirizane ndi zolinga zanu zachuma.
Kodi Mungayambire Bwanji Kugulitsa Malo Ogulitsa Malo?
Real Estate nthawi zonse ndi msika wopindulitsa kwa osunga ndalama koma imaphatikizanso zoopsa zambiri. Kugulitsa mwachangu katundu wanyumba ndikupeza ntchito yayikulu ndizomwe anthu ambiri amaganiza zamakampaniwa. Koma a Kugulitsa Nyumba ndi Nyumba ndi yotakata kuposa pamenepo.
Pali njira zambiri zopezera ndalama pogulitsa malo, monga kuyamikira, ndalama zobwereketsa, katundu wogubuduza, Real Estate Investment Trusts (REITs), crowdfunding, malonda ogulitsa nyumba, njira zobwereketsa, wholesaling, ndi zina. Ngati ndinu woyamba pa ntchitoyi, dziwani zambiri zomwe mumapeza kuchokera pa intaneti ndi othandizira, sizowona nthawi zonse ndipo mwayi wopusitsidwa ndi waukulu, choncho onetsetsani kuti muli ndi chidziwitso chokwanira ndikufufuzatu.
Kodi Mungayambe Bwanji Kuyika Ndalama mu SIP?
Ndibwino ngati simulidziwa bwino lingaliro la SIP, chifukwa ndilotchuka kwambiri ku India ndi kukula kwakukulu m'zaka zaposachedwa. SIP imayimira Ndondomeko yoyendetsera ndalama, njira yosungiramo ndalama mu mutual fund schemes, kulola osunga ndalama kuti ayambe kuyika ndalama ndi ndalama zochepa nthawi zonse pakapita nthawi. Ndi chisankho chabwino kwa iwo omwe alibe ndalama zokwanira zogulira kamodzi. Mwachitsanzo, pakatha miyezi 12 yogulitsa ₹1,000 mosalekeza pamwezi ndi kubweza 10% pachaka, ndalama zonse zogulira zitha kukhala pafupifupi ₹13,001.39.
Momwe Mungayambitsire Kuyika Ndalama mu Startups?
Nanga bwanji kuyika ndalama poyambira? Zowonadi ndi bizinesi yowopsa. Malinga ndi kafukufuku waposachedwa, kulephera kwa oyambitsa kwatsopano ndi 90%, 10% yamabizinesi atsopano samapulumuka chaka choyamba. Zikutanthauza kuti aliyense 10 startups, pali mmodzi yekha kupambana. Koma sizimapangitsa anthu kukhala ndi chikhulupiriro chochepa mu ndalama zoyambira. Chifukwa munthu amachita bwino, ndi ofunika mabiliyoni a madola, Apple, Microsoft, TikTok, SpaceX, Stripe, Chidwi, ndi zina ndi zitsanzo zabwino kwambiri. Mukamapanga ndalama zoyambira, kumbukirani zomwe Warren Buffett adanena: "Mtengo ndi womwe umalipira. Mtengo ndi zomwe umapeza",
Zitengera Zapadera
"Osayika ndalama pazinthu zomwe simukuzimvetsa," adatero Warren Buffett. Mukamapanga ndalama, musamayikire ndalama zanu pabizinesi popanda kuphunzira pasadakhale. Momwe mungayambire kuyika ndalama munthawi ya digito imayamba ndikukumba kuti mudziwe zambiri ndi luntha, kuphunzira kuchokera kwa akatswiri, komanso kutsatira malingaliro abizinesi.
💡Kodi mungayambe bwanji kuyika ndalama pachida chowonetsera? Tonse timafunikira ulaliki wophunzirira, kuphunzitsa, kugwira ntchito, ndi misonkhano. Yakwana nthawi yoti mumvetsere ubwino wokweza maulaliki anu ndi zinthu zomwe zimayenderana komanso zogwirizana. Onani Chidwi momwe mungaphunzire za ulaliki wochititsa chidwi womwe umakopa mitima ya anthu mamiliyoni ambiri.
Mafunso Ofunsidwa Kawirikawiri
Kodi woyambitsa ayenera kuyamba bwanji kuyika ndalama?
Nayi chiwongolero cha masitepe 7 oyambira oyambira kuyika ndalama:
- Werengani za momwe msika ukuyendera
- Khazikitsani zolinga zanu zachuma
- Sankhani kuchuluka kwa momwe mungayikitsire
- Tsegulani akaunti ya ndalama
- Ganizirani njira zoyendetsera ndalama
- Sankhani bizinesi yanu yoyika ndalama
- Tsatani momwe ndalama zanu zikuyendera
Kodi $100 yokwanira kuti muyambe kuyikapo ndalama?
Inde, ndi bwino kuyamba kuyika ndalama ndi ndalama zochepa. $100 ndi ndalama zoyambira zabwino, koma muyenera kupitiliza kuwonjezera zina kuti mukulitse ndalama zanu.
Kodi ndingayambe bwanji kuyika ndalama ndikasowa ndalama?
Pali njira zambiri zopangira ndalama ngati muli pamunsi pa moyo wanu. Pezani ntchito, chitani ntchito yam'mbali, gwiritsani ntchito ndalama poyika ndalama m'matangadza popanda ndalama zambiri, monga kugula magawo ochepa a stock ndi ma ETF. Ndi mapindu a nthawi yayitali.
Ref: Forbes | Investopedia | HBR
