Ingakanani Imali Engiyidingayo Ukuze Ngiqale Ukutshala Imali? Uma ucabanga ukuthi kufanele okungenani ube namadola ayi-10,000 ku-akhawunti yakho ukuze uqale ukutshala imali, kuyiphutha elikhulu. Ukutshala imali kufanele kuqale kusenesikhathi, kuqalwe ngenani elincane lika-$100 kuya ku-$1,000, futhi ngesu elihle, kungenza imbuyiselo enkulu. Uma ungazi ukuthi yimalini oyidingayo ukuze uqale ukutshala imali ngo-2024, nansi inkomba eyizinyathelo ezi-5 yokukusiza njengamanje.
Okuqukethwe:
- Ingakanani Imali Engiyidingayo Ukuze Ngiqale Ukutshala Imali?
- Izitoreji Eziyinhloko
- imibuzo ejwayelekile ukubuzwa
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Ingakanani Imali Engiyidingayo Ukuze Ngiqale Ukutshala Imali?
Ingakanani Imali Engiyidingayo Ukuze Ngiqale Ukutshala Imali? Nawu umthetho olula: “Kungcono ukuthi utshale imali kwenye indawo 15%–25% wemali engenayo yangemva kwentela, " ngokusho kukaMark Henry, umsunguli kanye ne-CEO kwa-Alloy Wealth Management. Lokhu kungafaka phakathi izitoko, amabhondi, izabelo, izimali ezihlanganyelwe, noma izimali ezihwebelana ngokuhwebelana (ETFs). Ukushintshanisa ukutshalwa kwezimali kwakho kusiza ukusabalalisa ubungozi futhi kungase kwenyuse imbuyiselo ngokuhamba kwesikhathi.
Ingabe usukulungele ngokwezimali?
Ngaphambi kokubuza "Ingakanani Imali Engiyidingayo Ukuze Ngiqale Ukutshala” umbuzo othi, Okokuqala, qaphela isimo sakho sezezimali. Ingabe imali oyitholayo manje kanye nendlela osebenzisa ngayo imali ikunikeza enye imali ongayitshala? Ingabe unesikweletu noma isikhwama sezimo eziphuthumayo esikhokhela izindleko eziyisisekelo zezinyanga ezintathu kuya kweziyisithupha? Kungaba yingozi uma utshala yonke imali yakho ngaphandle kwanoma iyiphi ikhophi yasenqolobaneni ngoba into ozoyenza wukutshala imali yesikhathi eside. Akunangqondo uma umisa utshalomali lwakho, ukhiphe imali yakho, futhi ungakayitholi imbuyiselo ngaphambi kwalokho.
Funda mayelana nenkokhelo yomthengisi
Imali ye-brokerage yimali ekhokhiswa umthengisi ngokwenza umsebenzi egameni leklayenti. Izimali zomdayiseli zingahluka kakhulu kuye ngomthengisi, uhlobo lwethuluzi lezezimali elithengiswayo, kanye namasevisi athile anikeziwe.
Ifomula elula yabatshalizimali abasha: Iphesenti=(Izindleko Zokutshalwa Kwezimali/ze-Brokerage)×100. Uma izindleko ze-brokerage ziyi-$5, kanye ne-Investment in shares ingu-$600, i-brokerage izomela ngaphezudlwana kuka-0.83% we-investimenti yakho. Kungcono ukucwaninga ukuthi ingakanani imali ye-brokerage ehluke kubahlinzeki abahlukene bomthengisi.
Udinga malini ukuze uqale ukutshala izimali ezitokisini?
Ingakanani imali engiyidingayo ukuze ngiqale ukutshala imali esitokweni? Ngephothifoliyo encane nemali ekhawulelwe, esikhundleni sokuhlukanisa izinto ezibambile kuzo zonke izitoko eziningi, ungagxila kwabambalwa abanamandla aqinile.
Cabanga ukwaba enye i-$3,000 enkampanini yamandla avuselelekayo ethembisayo efana ne-Tesla (TSLA) njengoba iphuma esigabeni sokuhlanganisa nendawo ekahle yokuthenga engu-$450 ngoNovemba 2022. Ngokubambelela kulesi sikhundla kuze kube maphakathi no-2024, ungase ukwazi ukubona u-120% inzuzo, ukuhumushela inzuzo engu-$3,600. Lokhu akuzwakali kubi.
Izitoreji Eziyinhloko
Kafushane, kuhle ukuqala ukutshala imali ngokushesha okukhulu, asiqale ku-$10 njalo ngenyanga futhi uzobona umehluko.
💡Enye indlela yokutshala imali ngobuhlakani? I-AhaSlides iyithuluzi lesethulo elihle elinikeza okuningi kuma-oda weqembu kanye nebhizinisi. Nge-software ehlanganisa konke, ungasebenzisa imali encane futhi uzuze enkulu. Yenza ukuqeqeshwa nokufunda kuhlanganyele kakhulu nge-AhaSlides manje!
imibuzo ejwayelekile ukubuzwa
Ingakanani imali okufanele uqale ukuyitshala?
Imali engcono kakhulu yokutshala imali ilinganiselwa ku-10% kuya ku-15% womholo wakho unyaka ngamunye ngohlelo lokuthatha umhlalaphansi. Kutholakala ukuthi kuqalwa ngesabelomali esincane inyanga ngayinye ngokutshala imali engenayo engashintshi kusukela manje kuqhubeke, njengokufaka imali esitokweni, izabelo, amabhondi, nama-ETF.
Ingabe u-$100 wanele ukuqala ukutshala imali?
Yebo, kuwumnyakazo omuhle wokutshalwa kwezimali kwakho kwesikhathi eside uma uneholo elimaphakathi. Ukwenza utshalomali luka-$100 ngenyanga empeleni kungakusiza ukuthi uzuze imbuyiselo enhle ngokuhamba kwesikhathi, ucabangele imbuyiselo emaphakathi yonyaka engu-10%.
Ingakanani imali encane ongayitshala?
Empeleni, asikho isidingo esinjalo esincane sokutshalwa kwezimali. Eqinisweni, kunabahlinzeki abaningi bama-brokerage abangakhokhisi imali yokuthengisa, ngakho-ke ungase uqale ukutshala imali emakethe yamasheya ngemali encane njenge-$1.
Uyini umthetho we-15 * 15 * 15?
Lo mthetho we-15 * 15 * 15 udume kakhulu e-India, olandela ukutshalwa kwezimali kwe-mutual fund okusekelwe ku-SIP. Kucatshangwa ukuthi uma utshala u-Rs 15000 ngenyanga iminyaka engu-15 ngembuyiselo engu-15% ngonyaka uzokunika ingcebo ye-Rs 1 crore ekupheleni kweminyaka engu-15.
Ref: Hlanganisa
