UQalisa njani uTyalo-mali? Izigidi zezigidi kunye noosozigidi kunqabile - mhlawumbi UNGAZE - ushiye imali "ilele" njengemali. Utyalo-mali yenye yezona ndlela zisebenzayo zokwenza imali yakho kakhulu. Ke ungaqala njani ukutyala imali, okanye ungaqala njani ukutyala imali ngaphandle kwemali? Ngaba kufuneka ndityale imali kwi-real estate? Masifumane iimpendulo kwimibuzo yakho malunga nokutyala ngoku.
Kweli nqaku, uya kufunda:
- Ungaluqala njani uTyalo-mali njengoMtsha?
- Yimalini oyidingayo ukuze uqalise ukutyala imali?
- Ungaliqala njani ishishini ngaphandle kweMali?
- Ukuqala njani ukutyala imali kwiMarike yeStock?
- Ukuqala njani ukuTyala imali kwiReal Estate?
- Ungaqala njani ukutyala imali kwi-SIP?
- Ukuqala njani ukutyala imali kwiZiqalo?
- IItrakthi ezibalulekileyo
- Imibuzo ebuzwa qho
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Ungaluqala njani uTyalo-mali njengoMtsha?
Ngokuthandwa kwe-intanethi kunye nokwanda kokuthenga kunye nokutyalomali kwi-Intanethi, abakwishumi elivisayo bafumana imali eninzi kunabazali babo abakwiminyaka efanayo namhlanje. Nangaphambi kweli xesha ledijithali, ukuqala ukutyala imali xa ujikela kwi-13 okanye i-14 ayiphelelanga kangako, kwaye uWarren Buffett ngumzekelo obalaseleyo. Asinguye sonke esinokuba nengqondo ebukhali njengoWarren Buffet xa sisebatsha, kodwa kukho amandla amakhulu okuqalisa ukutyala imali ngoku.
Ngokulula njengaloo nto, vula i-akhawunti ye-brokerage ukusuka kumaqonga athembekileyo, uthenge isitokhwe, iibhondi, izabelo, kwaye ugxininise ekukhuleni kwexesha elide. Emva kweminyaka emi-5 ukuya kwemi-6, uya kumangaliswa kukuba uzuze ngaphezulu kunoko ubulindele.
Yimalini oyidingayo ukuze uqalise ukutyala imali?
Ngoku, unokuzibuza yimalini ukuqalisa ukutyala? Akukho mpendulo icacileyo kuloo nto, ngokuqinisekileyo ukuba unemali eninzi, ayinamsebenzi. Kubantu abanomvuzo ophakathi, umthetho olungileyo wesithupha uthatha I-10-20% yomvuzo wakho wasemva kwerhafu ngenyanga kutyalo-mali. Ukuba ufumene i-$ 4000 ngenyanga, unokukhupha i-$ 400 ukuya kwi-$ 800 yotyalo-mali lwakho.
Ngokomzekelo, utyalo-mali kwii-stocks kunye ne-dividends ingaba sisiqalo esihle senzuzo yexesha elide kunye nohlahlo lwabiwo-mali olulinganiselwe. Kodwa ingakanani imali onokuthi uyibeke kutyalo-mali kufuneka ihlangabezane nenye yeemfuno ezisisiseko: awunatyala libalulekileyo, unemali oyigcinele iimeko zikaxakeka, kwaye yimali esecaleni, unolwazi olusisiseko malunga notyalo-mali, kwaye ukulungele ukuthatha umngcipheko.
Uliqala njani ishishini ngaphandle kweMali?
Kuthekani ukuba akunamali? Nantsi into, ungayenza qala ishishini ngaphandle kwemali ngokusekelwe kubungcali kunye nezibonelelo ezikhoyo. Umzekelo, ukuthengisa okuhambelanayo kuyathandwa kule mihla. Unayo iblogi yakho, i-IG, i-Facebook, i-akhawunti ye-twitter ye-X enenani elikhulu labafundi kunye nabalandeli, ingaba yindawo efanelekileyo yokubeka amakhonkco adibeneyo kwaye ufumane imali kuloo nto ngaphandle kwenkunzi yangaphambili. Iqabane lakho liya kuhlawula isixa sekhomishini kuwe, inokwahluka, $1, $10, nangaphezulu ngokuthenga ngakunye kunokwenzeka. Ivakala kakuhle, akunjalo?
Ukuqala njani ukutyala imali kwiMarike yeStock?
Utyalo-mali kwimarike yeStock asiyonto intsha. Vula iakhawunti yomrhwebi kwaye ulandele intshukumo yesitokhwe kunye neendlela zentengiso kulula ngobuhlanya ngefowuni yakho ephathekayo. Nantoni na ikwi-intanethi. Into ebalulekileyo yeyokuba ngowuphi umthengisi okanye umthengisi ongoyena ungcono, onemirhumo ephantsi okanye eyiziro. Okubaluleke ngakumbi, wazi njani ukuba ezi zitokhwe zilungile ukuba utyale imali. Kwisitokhwe, umngcipheko ophezulu, imivuzo ephezulu. Ukuba awukuthandi ukuthatha umngcipheko, kugxininise kwii-asethi ezinengeniso esisigxina, izabelo, kunye ne-ETFs ye-S&P 500, eziinkampani ezaziwayo-kakuhle ezinokukhula okuzinzileyo.
Ukurhweba vs kutyalomali Yeyiphi eNgcono? Kwimarike yemasheya, kukho imiba emibini ekufuneka uyithathele ingqalelo, urhwebo vs utyalo-mali. Umbuzo oqhelekileyo ngowokuba yeyiphi engcono. Impendulo ixhomekeke. Ukurhweba malunga nenzuzo yexesha elifutshane xa uthenga kwaye uthengise izibambiso ngokukhawuleza, ukufumana ukwehla kwexabiso. Ngokwahlukileyo, uTyalo-mali lumalunga neenzuzo zexesha elide, xa uthenga kwaye ubambe izitokhwe iminyaka, ukuya kuthi ga kumashumi eminyaka ukubuyisela. Lukhetho lwakho ukugqiba ukuba loluphi uhlobo lotyalo-mali olukhethayo okanye olulungele iinjongo zakho zemali.
Ukuqala njani ukuTyala imali kwiReal Estate?
I-Real Estate isoloko iyimalike enengeniso kubatyali-mali kodwa ikwabandakanya nemingcipheko emininzi. Ukuthengisa ngokukhawuleza i-asethi yezindlu kunye nokufumana ikhomishini ephezulu yinto abantu abaninzi abacinga ngayo ngeli shishini. Kodwa ke Utyalomali lokuThengisa izindlu ibanzi kakhulu kunoko.
Zininzi iindlela zokwenza imali kutyalo-mali kwi-real estate, njengokuxabisa, ingeniso yerenti, iipropati eziguqukayo, iiTrasti zoTyalo-mali lwe-Real Estate (REITs), i-crowdfunding, i-real estate yorhwebo, ukhetho lokuqeshisa, ukuthengiswa kwempahla, kunye nokunye. Ukuba ungumqali kule ntsimi, qaphela ulwazi olufumana kwi-intanethi kunye nee-arhente, akusoloko kuyinyani kwaye amathuba okuqhathwa aphezulu, ke qiniseka ukuba unolwazi olwaneleyo kwaye wenze uphando kwangaphambili.
Ungaqala njani ukutyala imali kwi-SIP?
Kulungile ukuba awuqhelananga ncam nombono we-SIP, njengoko ithandwa kakhulu eIndiya ngokukhula okubonakalayo kwiminyaka yakutshanje. I-SIP imele Isicwangciso sotyalo-mali esicwangcisiweyo, indlela yokutyala imali kwi-mutual fund schemes, evumela abatyali-mali ukuba baqalise ukutyala imali encinci yemali rhoqo ekuhambeni kwexesha. Lukhetho olukhulu kwabo bangenamali yaneleyo kutyalo-mali lwexesha elinye. Umzekelo, emva kweenyanga ezili-12 zotyalo-mali olungaguqukiyo lwe- ₹1,000 ngenyanga nge-10% yembuyekezo yonyaka, ixabiso lotyalo-mali lilonke liyakuba malunga ne- ₹13,001.39.
Ukuqala njani ukutyala imali kwi-Startups?
Kuthekani ngokutyala imali kwi-startups? Ngokwenene lishishini eliyingozi kakhulu. Ngokophando lwakutsha nje, izinga lokungaphumeleli kokuqaliswa okutsha ngoku liyi-90%, i-10% yamashishini amatsha awasindi kunyaka wokuqala. Kuthetha ukuba kwiqalo ngalinye eli-10, kukho impumelelo enye kuphela. Kodwa ayenzi abantu bazive benokholo oluncinci kwi-startups investment. Kuba umntu uyaphumelela, uxabisa iibhiliyoni zeedola, iApple, iMicrosoft, iTikTok, iSpaceX, iStripe, IAhaSlides, kunye neminye imizekelo emihle kakhulu. Xa utyala imali kuqaliso, khumbula ukuba wathini uWarren Buffett: “Ixabiso lilo olihlawulayo. Ixabiso yinto oyifumanayo”,
IItrakthi ezibalulekileyo
“Sukutyala imali kwinto ongayiqondiyo”, watsho uWarren Buffett. Xa utyala imali, ungaze ufake imali yakho kwishishini ngaphandle kokufunda ngayo kwangaphambili. Ukuqala njani ukutyala imali kwixesha ledijithali kuqala ngokumba ulwazi kunye nokuqonda, ukufunda kwiingcali, kunye nokulandela ingqondo yosomashishini.
💡Ungaqala njani ukutyala imali kwisixhobo sokubonisa? Sonke sidinga iinkcazo-ntetho zokufunda, ukufundisa, ukusebenza kunye nokuhlangana. Lixesha lokuthathela ingqalelo izibonelelo zokuphucula intetho yakho ngezinto ezisebenzisanayo kunye nentsebenziswano. Phonononga IAhaSlides indlela yokufunda malunga neenkcazo-ntetho ezithatha izigidi zabaphulaphuli.
Imibuzo ebuzwa qho
Umntu oqalayo kufuneka aqale njani ukutyala imali?
Nantsi isikhokelo esi-7 sokuqalisa utyalo-mali:
- Funda malunga neendlela zemarike
- Beka iinjongo zakho zotyalo-mali
- Gqiba ukuba ungatyala malini
- Vula i-akhawunti yotyalo-mali
- Qwalasela isicwangciso sotyalo-mali
- Khetha ishishini lakho lotyalo-mali
- Landela umkhondo wotyalo-mali lwakho
Ngaba i-100 yeedola yanele ukuqalisa utyalo-mali?
Ewe, kulungile ukuqala ukutyala imali ngemali encinci. I-100 yeedola sisixa esikhulu sokuqala, kodwa kuya kufuneka uqhubeke ukongeza ngaphezulu ukuze ukhulise utyalo-mali lwakho.
Ndingaqala njani ukutyala imali xa ndiphelelwe lithemba?
Zininzi iindlela zokwenza utyalo-mali ukuba ungoyena uphambili ebomini bakho. Fumana umsebenzi, wenze umsebenzi osecaleni, uchithe imali kutyalo-mali kwizitokhwe ngaphandle kwemali eninzi, njengokuthenga izabelo ze-stock kunye nee-ETF. Ziingeniso zexesha elide.
Ref: Forbes | Investopedia | HBR
