Uqala njani ukutyala imali kwi-SIP yabaQalayo? Ngaba ukhe wazibuza ngesicwangciso esingelula nje kuphela ilizwe elintsonkothileyo lotyalo-mali kodwa lisenza ukuba lifikeleleke kuye wonke umntu?
Ngena kwiSicwangciso soTyalo-mali oluCwangcisiweyo (SIP), indlela eyamkelwe ngokubanzi kwindawo yengxowa-mali yotyalo-mali. Kodwa yintoni eyenza i-SIP ibonakale? Ilawula njani ngempumelelo umngcipheko, iyenze ilungele abantu abatsha?
Makhe siphonononge iziseko ze-SIP, sityhile iingenelo zayo, kwaye sijonge ngakumbi kumanyathelo asisiseko okuqalisa ukutyala imali kwi-SIP ekugqibeleni.
Isiqulatho:
Bamba indibano yocweyo ethi “Ukuqala njani ukutyala imali kwi-SIP”
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Yintoni iSicwangciso soTyalo-mali oluCwangcisiweyo (SIP)
IsiCwangciso soTyalo-mali oluCwangcisiweyo (SIP) sigqama njengesicwangciso esamkelwe ngokubanzi ngaphakathi kwendawo yengxowa-mali yotyalo-mali. Imele a indlela eguquguqukayo nefikelelekayo kubatyali-zimali, okubavumela ukuba bafake isixa esimiselweyo ngamaxesha aqhelekileyo, ngokuqhelekileyo rhoqo ngenyanga, kwingxowa-mali yotyalo-mali ekhethiweyo. Le ndlela ivumela abatyali-mali ukuba baqokelele inzuzo kwixesha elide ngelixa bejonga ngokuguquguqukayo kweemarike.
Umzekelo omhle ngumntu omtsha ophumeleleyo kunye nomvuzo wenyanga oqhelekileyo we-12 yezigidi. Kanye emva kokufumana umvuzo wakhe nyanga zonke, uchitha i-2 yezigidi zokutyalomali kwikhowudi yesitokhwe kungakhathaliseki ukuba imarike inyuka okanye ihla. Waqhubeka esenza loo nto ixesha elide.
Ke, unokubona ukuba, ngale ndlela yotyalo-mali, into oyifunayo ayisosixa esikhulu semali, kodwa Ukuhamba kwemali yenyanga okuzinzileyo. Kwangaxeshanye, le ndlela ikwafuna abatyali-mali ukuba batyale imali ngokuqhubekayo kwixesha elide.
Izinto eziluncedo xa uTyala imali kwi-SIP
I-avareji yexabiso legalelo lotyalo-mali (umndilili wexabiso ledola).
Ngokomzekelo, ukuba une-100 yezigidi zokutyalomali, endaweni yokutshala ngokukhawuleza i-100 yezigidi kwikhowudi yesitokhwe, uyahlula olo tyalo-mali kwiinyanga ezili-10, inyanga nganye utyalo-mali ezili-10 zezigidi. Xa usasaza utyalo-mali lwakho kwiinyanga ezili-10, uya kuxhamla kumyinge wexabiso lokuthenga amagalelo kwezo nyanga zili-10.
Kukho iinyanga ezithile xa uthenga izitokhwe ngexabiso eliphezulu (izabelo ezimbalwa ezithengiweyo), kwaye kwinyanga ezayo uthenga izitokhwe ngexabiso eliphantsi (izabelo ezininzi ezithengiweyo)… Kodwa ekugqibeleni, ngokuqinisekileyo uya kuzuza ngenxa yokuba unokuthenga kuyo. ixabiso eliphakathi.
Ukunciphisa Iimvakalelo, Ukwandisa Ukuhambelana
Xa utyala imali kule fomu, unokwahlula imiba yeemvakalelo kwizigqibo zotyalo-mali. Awudingi ukuba nentloko ebuhlungu ukucinga: “Imarike iyehla, amaxabiso aphantsi, kufuneka ndithenge ngaphezulu?” “Kuthekani ukuba uthenga ngelixa linyuka, ngomso ixabiso liyehla?”…Xa utyala imali ngamaxesha athile, uya kutyala imali rhoqo nokuba liphi na ixabiso.
Utyalo-mali olufikelelekayo, oluSebenza ngexesha elifanelekileyo kumntu wonke
Awudingi mali eninzi okanye ixesha elininzi lokutyala imali kwi-SIP. Logama nje unokuhamba kwemali okuzinzileyo, ungatyala imali kule fomu. Kananjalo awudingi ukuchitha ixesha elininzi mihla le ujonga imarike, okanye ucinge kabini ngokuthenga nokuthengisa. Ngoko ke, olu luhlobo lotyalo-mali olufanelekileyo kuninzi.
Uqala njani ukutyala imali kwi-SIP yabaQalayo
Ungaqala njani ukutyala imali kwi-SIP? La manyathelo asisiseko abonisa iinjongo kunye neziphumo zokwenyani ngokuxhomekeke kutshintsho lwemarike kunye neemeko zomntu ngamnye. Beka phambili uphando olubanzi kwaye ucinge ngokufuna iingcebiso kwingcali yezemali ngaphambi kokuba wenze izigqibo zotyalo-mali.
Khetha iNgxowa-mali yeSalathiso se-SIP
- Icebiso: Qala uhambo lwakho lotyalo-mali ngokujonga imali yesalathiso se-SIP ehambelana neenjongo zakho zemali. Khetha imali edityaniswe nezalathisi ezithembekileyo ezifana ne-S&P 500.
- umzekelo: Unokukhetha iVanguard's S&P 500 Index Fund ngokulandela umkhondo weS&P 500.
- Isiphumo Esinokubakho: Olu khetho lubonelela ngokutyhileka kwipotifoliyo eyohlukeneyo yee-stocks eziphambili zase-US, ukubeka isiseko sokukhula okunokwenzeka.
Vavanya iiNjongo zakho zoTyalo-mali kunye noNyamezelo loMngcipheko
- Icebiso: Vavanya iinjongo zakho zemali kunye nentuthuzelo yomngcipheko. Qinisekisa ukuba uthembele ekukhuleni kwexesha elide okanye ukhetha isicwangciso esilumkileyo.
- umzekelo: Ukuba injongo yakho kukukhula okuzinzileyo kunye nomngcipheko ophakathi, qwalasela iVanguard's S&P 500 Index Fund njengoko ihambelana nale profayile yomngcipheko.
- Isiphumo Esinokubakho: Ukulungelelanisa ukhetho lwakho lwengxowa-mali kunye nokunyamezela kwakho umngcipheko kuphucula ukukwazi kwakho ukuguquguquka kweemarike zemozulu.
Qalisa iAkhawunti yoRhwebo kunye nokuPhumeza iiMfuno ze-KYC
- Icebiso: Qalisa uhambo lwakho lotyalo-mali ngokuseka i-akhawunti ye-brokerage eneqonga elithembekileyo elifana noCharles Schwab okanye uFidelity. Gqibezela iimfuno ezibalulekileyo zoKwazi uMthengi Wakho (KYC).
- umzekelo: Vula i-akhawunti kunye noCharles Schwab, ungenise isazisi esiyimfuneko kunye nobungqina bedilesi yenkqubo ye-KYC.
- Isiphumo Esinokubakho: Ukuyilwa kwe-akhawunti okuyimpumelelo kukuvumela ukuba ufikelele ekubeni uqalise ukutyala imali kwingxowa-mali oyikhethileyo yesalathiso se-SIP.
Ukuseka iminikelo ye-SIP ezenzekelayo
- Icebiso: Misela iqonga lotyalo-mali olungaguqukiyo ngokumisela umnikelo wenyanga (umzekelo, i-$ 200) kwaye ulungiselele ukudluliselwa okuzenzekelayo nge-akhawunti yakho ye-brokerage.
- umzekelo: Yenza utyalo-mali lwenyanga lwe-$200 kwiVanguard's S&P 500 Index Fund.
- Isiphumo Esinokubakho: Amagalelo azenzekelayo asebenzisa amandla okudibanisa, ukukhuthaza ukukhula okunokwenzeka kwexesha elide.
Hlaziya rhoqo kwaye uhlengahlengise njengoko kufuneka
- Icebiso: Hlala uxakekile ngokujonga rhoqo ukusebenza kweNgxowa-mali yesalathiso se-SIP, kwaye wenze uhlengahlengiso xa kuyimfuneko.
- umzekelo: Yenza uhlolo lwekota, lungisa isixa sakho se-SIP, okanye ujonge ezinye iimali ezisekelwe kwiimeko zemarike.
- Isiphumo Esinokubakho: Uphononongo lwamaxesha ngamaxesha luxhobisa ukuba wenze izigqibo ezizizo, uziqhelanise neentsingiselo zentengiso, kwaye uhlale ulungelelaniswe neenjongo zakho zemali.
Okukwintsusa
Ngaba uyayifumana indlela yokuqalisa ukutyala imali kwi-SIP ngoku? UCwangciso loTyalo-mali oluCwangcisiweyo (i-SIP) alukho nje isicwangciso sotyalo-mali kodwa kunye nendlela edibanisa ukulula kunye nokukhula kwihlabathi lezemali. Ukukwazi kwayo ukwenza i-avareji yamaxabiso engeniso nge-avareji yeedola, ukunciphisa ukungazinzi kweemvakalelo, kunye nokubonelela ngendlela yotyalo-mali elungelelanisiweyo, eyonga ixesha kumntu wonke iyenza ibe lukhetho olubalaseleyo.
Ngaphaya koko, i-SIP yifilosofi ekhokelayo eyenza lula ukuntsonkotha kwaye ikhuthaze uqeqesho, ulwazi, kunye nokunceda abo bafuna ukonyusa imali yabo.
💡Ufuna ukwenza iindibano zocweyo ezibandakanyekayo okanye uqeqesho malunga “Nendlela yokuqalisa ukutyala imali kwi-SIP”, jonga IAhaSlides ngoku nangoku! Sisixhobo esimangalisayo kubo bobabini abantu kunye namashishini afuna yonke-in-one isoftware yokubonisa ebandakanya imixholo etyebileyo, ukuvota okubukhoma, imibuzo, izinto ezisekelwe kwigamified.
Imibuzo ebuzwa qho
Yeyiphi i-SIP elungileyo ukuqala?
Le ndlela yotyalo-mali ifanelekile kuphela kwiimveliso zemali ezinokuthengwa ngamaqhekeza, umzekelo, amasheya, igolide, ukugcinwa, i-cryptocurrencies, njl. Ngokusisiseko, ukuba utyalo-mali lwexesha elide, ixabiso le-asethi liya kwanda ngokuqinisekileyo ngexesha. Kwiinyanga zokuqala kunye neminyaka, ngenxa yokuba i-capital yotyalo-mali iyonke isencinci, unokwamkela imingcipheko ephezulu kunye nenzuzo ekuguquguqukeni okukhulu kweemarike.
Ingakanani imali efanelekileyo kumntu oqalayo ukutyala imali kwi-SIP?
Ukuba utyala imali eyi-$5,000 kwi-SIP, isixa-mali siya kuhanjiswa kwingxowa-mali edibeneyo ekhethiweyo ngezavenge rhoqo. Umzekelo, nge-SIP yenyanga, i-$5,000 yakho ingatyalwa njenge-$500 ngenyanga kwiinyanga ezilishumi. Ukuhambelana kubaluleke kakhulu kunexabiso lokuqala, kwaye unokuhlala ulungelelanisa njengoko imeko yakho yezemali iphucula. Ukubeka iliso rhoqo kuqinisekisa ukuba utyalo-mali lwakho luhambelana neenjongo zakho kunye neemeko zemarike.
Ndingaqala njani kwi-SIP?
Ungaqala njani ukutyala imali kwi-SIP? Umqathango oyimfuneko wokuba ukwazi ukutyala imali ngamaxesha athile kukuba nokuhamba kwemali okuzinzileyo. Isixa-mali senyanga osibekele utyalo-mali kufuneka sahlulwe ngokupheleleyo kwezinye iimfuno zobomi, kubandakanywa iimfuno ezingxamisekileyo ezifana nemingcipheko yempilo, kunye nemingcipheko yokungaphangeli… Utyalo-mali lwamaxesha ngamaxesha, oko kukuthi, utyalo-mali alunamda ngexesha.
Ngoko ke, kufuneka ulungele ngengqondo ukuba olu lutyalo-mali lwexesha elide, olunokuhlala iminyaka elishumi. Ingcebiso encinci apha yeyokuba ngaphambi kokuba uqalise ukutyala imali, kufuneka uzakhele ingxowa-mali kaxakeka. Le yimali yokukunceda ukuba ujongane neemeko ezingxamisekileyo ebomini.
Ref: Ibhanki ye-HDFC | Times of India
