Ungaluqala njani uTyalo-mali njengoMntu ofikisayo?
"Ndandidla ngokuchitha imali kwizinto ezifana nokutya okukhawulezayo, iimuvi, kunye nezixhobo ze-elektroniki zamva nje. Ndiyazisola ngokungafundi ngokutyala imali kwiminyaka yam yeshumi elivisayo." Ulutsha oluninzi luye lwazisola ngokungazi malunga nokutyalomali kwasebuncinaneni kwangaphambili.
Kuyinto eqhelekileyo, ukuba abaninzi abatsha okanye abazali abaqondi ukuba utyalo-mali lwenzelwe abantu abadala kuphela. Eneneni, ukuqalisa ukutyala imali usekwishumi elivisayo kusemthethweni, yaye kuye kwakhuthazwa ngabazali kwiintsapho ezininzi kwiminyaka yakutshanje. Ibali lotyalo-mali likaBuffett laqala xa wayengumntwana, enomdla ngamanani kunye neshishini. Wathenga isitokhwe sakhe sokuqala eneminyaka eyi-11 kunye notyalo-mali lwakhe lokuqala lokuthengisa izindlu kwi-14.
Ukuqala ukutyala imali kwangoko kukulungiselela impumelelo yezemali kamva ebomini ngenxa yamandla enzala ehlanganisiweyo. Inyathelo lokuqala kukuzifundisa ngezicwangciso zotyalo-mali ezikrelekrele. Le khosi crash ikuxelela ukuba uqale njani utyalo-mali njengomntu okwishumi elivisayo kwaye ukwaphula iziseko. Abazali nabo banokufunda kweli nqaku ukukhokela abantwana bakho kwisiqalo sabo sokuqala sotyalo-mali lwabakwishumi elivisayo.
Isiqulatho:
- Into onqwenela ukuba uyazi ngaphambili
- Ungaluqala njani uTyalo-mali njengoMtsha inyathelo ngenyathelo?
- IItrakthi ezibalulekileyo
- Imibuzo ebuzwa qho
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Into onqwenela ukuba uyazi ngaphambili
Yintoni kanye kanye i-Investing for Youth and why ibalulekile?
Ukutyala imali kuthetha ukubeka imali kwii-asethi olindele ukuba ziya kukhula ngokuhamba kwexesha ukwakha ubutyebi. Kunokuba ugcine imali kwi-akhawunti yokulondoloza inzala ephantsi, uvula i-akhawunti ye-brokerage kwaye utyale imali kwizitokhwe, izabelo, iibhondi, ii-ETF, iimali ezihlangeneyo kunye nezinye izibambiso.
Ingqikelelo engundoqo kukukhula okudityanisiweyo, apho iingeniso zakho ziphinda zityalwe ukuze wenze ingeniso engakumbi. Yiloo ndlela ukuqala usemncinci kunika imali yakho amashumi eminyaka ukuba idibanise iinzuzo ezinomdla. Qhubeka ufunda ukuze ufunde indlela yokuqalisa ukutyala imali njengomntu okwishumi elivisayo.
Umzekelo, ukuba uthatha isigqibo sokuqalisa ukutyala imali emva kokuphumelela, seta rhoqo i-100 yeedola ngenyanga, kwaye ufumane imbuyekezo esempilweni ye-10% kutyalo-mali lwakho (idityaniswe ngonyaka), uya kufumana i-$710,810.83 xa uneminyaka engama-65. Ukanti, ukuba ubuqalisile ukuxhasa ngemali yobudala 16, ubuya kuba $1,396,690.23, okanye phantse kabini imali.
Ungaluqala njani uTyalo-mali njengoMtsha inyathelo ngenyathelo?
Ungaluqala njani uTyalo-mali njengoMntu ofikisayo? Nasi isikhokelo esipheleleyo sendlela yokuqalisa ukutyala imali njengomntu okwishumi elivisayo. Into ekufuneka uyenzile kukulandela la manyathelo, achazwe ngezantsi.
- Vula i-akhawunti ye-brokerage yolutsha
- Zibekele usukelo olusengqiqweni nolunokufumaneka
- Geek Out kwi-Investing Knowledge
- Thatha izinto ezilungileyo kuzo zonke izixhobo ezifumanekayo
- Gwema i-Crypto, Gxininisa kwiZitokhwe kunye neeNgxowa-mali
- Landela uTyalo-mali lwakho
Zeziphi iiAkhawunti zoRhwebo eziLungileyo zabaTsha?
Khetha iiakhawunti zotyalo-mali ngobulumko. Iiakhawunti zogcino-mali zibonelela ngentshayelelo yokhetho lokufumana inzala kwimali engaphezulu. Iiakhawunti zogcino zibandakanya abazali abagunyazisa i-akhawunti ye-brokerage egameni lomntwana ukuze kulawuleke ii-asethi zotyalo-mali.
Uninzi lwabakwishumi elivisayo luvula iiakhawunti zogcino kodwa luthathe uxanduva olongezelelekileyo lokulawula utyalo-mali ngokuhamba kwexesha kunye nokongamela kwabazali. Qwalasela imirhumo yentengiselwano, kunye needipozithi ezincinci xa ukhetha umboneleli weakhawunti yotyalo-mali. Ezinye iinketho ezilungileyo nguCharles Schwab, Interactive Brokers IBKR Lite, E*TRADE, kunye noFidelity.® Iakhawunti yoLutsha.
Misela IiNjongo zezeMali ezi-SMART
Ngaphambi kokumisela indlela yokuqalisa ukutyala imali njengomntu okwishumi elivisayo, misela imali ecacileyo imigomo. Chaza iinjongo zexeshana elifutshane, njengokugcinela ikholeji okanye imoto, kunye neethagethi zexesha elide ucwangciso lomhlala-phantsi. Ukudala Iinjongo ze-SMART ikugcina ugxile kwaye ukhuthazwa apho ufuna ukuba isicwangciso sakho sotyalo-mali sikuse khona.
Geek Out kwi-Investing Knowledge
Funda imigaqo engundoqo yotyalo-mali kwaye uqonde imingcipheko ngokuchasene nembuyekezo. Funda iikhonsepthi ezisisiseko ezifana nokwahlukahlukana, i-avareji yeendleko zedola, ukuphinda utyale izabelo, utyalo-mali olunomvuzo osisigxina, kunye nokuthelekisa urhwebo olusebenzayo kunye notyalo-mali lwesalathiso esisebenzayo. Chonga iprofayile yakho yokunyamezela umngcipheko ukusuka kwi-conservative ukuya kwindlongondlongo. Okukhona usazi ngaphambi kokuba uqalise ukutyala imali njengomntu okwishumi elivisayo, kokukhona ayanda amathuba akho okuphumelela.
Thatha izinto ezilungileyo kuzo zonke izixhobo ezifumanekayo
Ndingaqalisa phi ukugcina imali yokuTyala? Ukukhulisa utyalo-mali lwakho ngokuhamba kwexesha kuxhomekeke ekunikezeleni ingeniso eninzi egqithileyo kwangoko kangangoko kunokwenzeka kwipotfoliyo yakho. Fumana imali ukuze utyale imali ngokunciphisa inkcitho engeyomfuneko, ukufumana imali kwizibonelelo okanye imisebenzi yethutyana, okanye imali izipho zemihla yokuzalwa kunye neeholide. Sebenzisa i-spreadsheet elula ukwenza kwaye unamathele kuhlahlo lwabiwo-mali lwenyanga olukhokelela imali kwi-investimenti yakho.
Izigqibo zoTyalo-mali-Yintoni eKulungeleyo?
Ii-asethi zotyalo-mali eziqhelekileyo ezifana amasheya kunye neebond thwala amanqanaba ahlukeneyo omngcipheko kunye nembuyekezo. Iimali ze-Index zibonelela ngendlela elula yokutyala imali kwibhaskithi ehlukeneyo yokhuseleko, njenge-S & P 500 yonke.
Njengomntu okwishumi elivisayo oqala ukutyala imali, khetha ukubheja okukhuselekileyo ngaphezulu kwee-asethi eziqikelelwayo kwaye ubambe ixesha elide ngokusukela inzuzo yexesha elifutshane. Ungaqala nge utyalo-mali olunomvuzo osisigxina kunye izabelo okokuqala, kuthetha ukuba iqumrhu lifumana inzuzo okanye intsalela, kwaye liyakwazi ukuhlawula inxalenye yengeniso njengesahlulo kubanini-zabelo.
Ziphephe ii-asethi eziqikelelwayo njenge-cryptocurrencies okanye i-meme stocks ethembisa iinzuzo zexesha elifutshane le-meteoric ... azifane ziphele kakuhle! Thintela ukurhweba ngokugqithisileyo ngokuhlala utyale imali ixesha elide. Yiba noqikelelo olusengqiqweni, njengoko ne-8-10% eyi-avareji yembuyekezo yonyaka iba nkulu kumashumi eminyaka, hayi ngobusuku nje obunye. Khumbula ukuba imirhumo, iirhafu, kunye nokunyuka kwamaxabiso nexabiso lokunyuka kwamaxabiso ziyayitya nembuyekezo.
Ukulandelela uTyalo-mali lwakho-Icandelo elonwabileyo!
Ngena rhoqo kwiiakhawunti zakho zotyalo-mali ukujonga utshintsho lwexabiso lemarike. Lindela idiphu ngamaxesha athile, ukuxhathisa ukuphakuzela ukuthengisa ngexesha lokuthotywa kwethutyana. Kwiinyanga kunye neminyaka, jonga ukuba iinjongo zakho zemali zihlala zihamba ngendlela. Phinda ujonge ukunyamezela kwakho umngcipheko ngamaxesha athile njengoko ukhula ukuze ubone uhlengahlengiso oluyimfuneko kwipotfoliyo. Hlala ubandakanyeka ngokubona umnatha wakho ufanele ukukhwela njengoko uqalisa indlela yokutyala imali njengomntu okwishumi elivisayo!
IItrakthi ezibalulekileyo
Ungaluqala njani uTyalo-mali njengoMntu ofikisayo? Zixhobise ngolwazi lotyalo-mali, zibekele iinjongo zemali ekujoliswe kuzo, yonga rhoqo, khetha ii-asethi ezifanelekileyo, sebenzisa iinketho ezifanelekileyo zeakhawunti, landelela ipotifoliyo yakho, kwaye ufunde kuzo zombini iinzuzo kunye nelahleko. Ukudibanisa kusebenza ngokwenene umlingo wakho kwangaphambi kokuba uqale. Sebenzisa la macebiso ngendlela yokuqalisa ukutyala imali njengomntu okwishumi elivisayo kwaye uvumele ixesha libe namandla okukhula! Inyathelo lokuqala – yiba nengxoxo yotyalo-mali nabazali bakho ngokuhlwanje!
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Imibuzo ebuzwa qho
Umntu oneminyaka eli-13 ubudala angaqala njani ukutyala imali?
Ukugqiba iminyaka eli-13 kuthetha ukuba ulutsha lungakwazi ukuvula ii-akhawunti zokulondoloza ngokusemthethweni. Nangona inzala incinci, inzala efunyenweyo yenza ulutsha lube nomkhwa wokutyala imali. Buza abazali malunga nokudlulisela izipho zemali okanye ukufumana imali kwimisebenzi yasekhaya, ukugcina abantwana, kunye nokucheba ingca kwezi zithuthi zokuqala zotyalo-mali.
Yeyiphi eyona ndlela ilula yokuba ulutsha luqalise ukutyala imali kwizitokhwe?
Eyona ndlela ilula yokuba abatyali-mali abakwishumi elivisayo bafumane ukuvezwa kwimarike yemasheya kukutyala imali ngokuzimeleyo kwi-index-based mutual funds kunye nee-exchange-traded funds (ETFs). Vula i-akhawunti ye-custodial brokerage phantsi kweliso lomgcini ukuze ufikelele kolu tyalo-mali lwahlukeneyo lula kwi-intanethi kunye nemirhumo ephantsi.
Ngawaphi amanyathelo avumela umntu oneminyaka eli-16 ukuba aqalise ukutyala imali?
Ngeminyaka eyi-16, abatyali-mali abakwishumi elivisayo e-US banokubizwa njengabaxhamli beakhawunti yogcino ukuze batyale imali ngogunyaziso lwabazali/lomgadi kunye nokongamela. Oku kuvumela ulutsha ukuba lulawule ngokuthe ngqo izitokhwe, iibhondi, iingxowa-mali ezifanayo, kunye nezinye izibambiso ngelixa zixhomekeke ngokusemthethweni kulawulo lweakhawunti yabantu abadala.
Ngaba abatyali-zimali abaneminyaka eli-16 ubudala bangakwazi ukuthenga isitokhwe ngabanye?
Ewe, ngeemvume ezifanelekileyo kunye nokujongwa kweakhawunti yabantu abadala, kusemthethweni ngokupheleleyo ukuba abantu abaneminyaka eyi-16 batyale ngokuthe ngqo kwizitokhwe ukongeza kwiimali. Isitokhwe esinye sibeka imingcipheko ephezulu yokuguquguquka nangona kunjalo, ukwenza imali yexabiso eliphantsi yezalathisi iinketho ezingcono zokuqalisa kubatyali-zimali abakwishumi elivisayo abanengqondo ephangaleleyo abanethemba lokwakha ubutyebi ngokuhamba kwexesha.
Ingaba inkqubo ithelekisa njani kubatyali-zimali abaneminyaka eli-19 ubudala abaqalayo?
Abantu abaneminyaka eli-19 ubudala banokuvula ngokuzimeleyo ii-akhawunti zokuthengisa ezipheleleyo ukufikelela kuzo zonke iimarike zotyalo-mali zikawonke-wonke ukusuka kwizitokhwe kunye neengxowa-mali ezifanayo ukuya kwezinye izinto ezifana neemveliso kunye neemali. Nangona kunjalo, ukusebenzisa iimali zesalathiso kunye nengcebiso yobutyebi njengoko utyalo-mali luhlala lulumkile ngaphambi kokubheja kwi-riskier, i-asethi enzima ezantsi kwendlela.
Ref: Investopedia
