Ungaqala Kanjani Ukutshala Imali Njengomuntu Omusha?
“Ngangisaphaza imali ezintweni ezinjengokudla okusheshayo, amafilimu nezinto zakamuva zikagesi. Ngiyazisola ngokungafundi ngokutshala imali eminyakeni yami yobusha.” Intsha eningi iye yazisola ngokungazi ngokutshalwa kwezimali kwentsha ngaphambi kwesikhathi.
Kuvamile, ukuthi abaningi intsha noma abazali abaqondi ukuthi ukutshala imali kungokwabantu abadala. Ngempela, ukuqala ukutshala izimali usemusha kusemthethweni, futhi kuye kwakhuthazwa abazali emindenini eminingi eminyakeni yamuva. Indaba kaBuffett yokutshala izimali yaqala lapho esemncane, ekhangwa izinombolo nebhizinisi. Wathenga isitoko sakhe sokuqala eneminyaka engu-11 kanye nokutshalwa kwempahla yakhe yokuqala eneminyaka engu-14.
Ukuqala ukutshala imali kusenesikhathi kukulungiselela impumelelo yezezimali kamuva empilweni ngenxa yamandla enzalo ehlanganisiwe. Isinyathelo sokuqala ukuzifundisa ngamasu ahlakaniphile okutshala imali. Lesi sifundo sokuphahlazeka sikutshela ukuthi ungaqala kanjani ukutshala imali usemusha futhi sihlukanisa izinto eziyisisekelo. Abazali nabo bangafunda kulesi sihloko ukuqondisa izingane zakho ekuqaleni kwazo kokuqala kokutshala imali kwentsha.
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Kuyini ngempela Ukutshalwa Kwezimali Kwentsha futhi kungani kubalulekile?
Ukutshala imali kusho ukubeka imali ezimpahleni olindele ukuthi zizokhula ngokuhamba kwesikhathi ukuze wakhe ingcebo. Kunokuba ugcine ukheshi ku-akhawunti yokonga enenzalo ephansi, uvula i-akhawunti ye-brokerage futhi utshale esitokisini, izabelo, amabhondi, ama-ETF, ama-mutual funds, nezinye izibambiso.
Umqondo obalulekile uwukuhlanganisa ukukhula, lapho inzuzo yakho itshalwa kabusha ukuze wenze inzuzo eyengeziwe. Kungaleyo ndlela ukuqala usemusha okunikeza ngayo imali yakho amashumi eminyaka ukuthi ihlanganiswe ukuze uthole izinzuzo ezimangalisayo. Qhubeka ufunda ukuze ufunde ukuthi ungaqala kanjani ukutshala imali usemusha.
Isibonelo, Uma unquma ukuqala ukutshala imali ngemva kokuphothula iziqu, setha njalo u-$100 ngenyanga, futhi uthole imbuyiselo enempilo engu-10% kutshalomali lwakho (ehlanganiswa minyaka yonke), uzothola u-$710,810.83 lapho usuneminyaka engu-65. Nokho, ukube ubuqale ukuxhasa ngezimali uma uneminyaka engu-16 ubudala, uzoba no-$1,396,690.23, noma cishe kabili inani.
Ungaqala Kanjani Ukutshala Imali Njengomuntu Omusha Isinyathelo Ngesinyathelo?
Ungaqala Kanjani Ukutshala Imali Njengomuntu Omusha? Nansi inkomba ephelele yokuthi ungaqala kanjani ukutshala imali usemusha. Okufanele ukwenze ukulandela lezi zinyathelo, ezichazwe ngezansi.
- Vula i-akhawunti ye-brokerage yentsha
- Zibekele imigomo engokoqobo netholakalayo
- Geek Out on Investing Knowledge
- Thatha Izinzuzo Zazo Zonke Izinsiza Ezitholakalayo
- Gwema i-Crypto, Gxila Kumasheya Nezimali
- Landelela Investment Yakho
Imaphi Ama-Akhawunti Okuthengisa Amahle Entsha?
Khetha ama-akhawunti okutshala imali ngokuhlakanipha. Ama-akhawunti okulondoloza ahlinzeka ngenketho yesethulo ukuze aqongelele inzalo emalini eyeqile. Ama-akhawunti okugcina ahilela abazali abagunyaza i-akhawunti ye-brokerage egameni lengane yokuphatha izimpahla ezitshaliwe.
Iningi lentsha livula ama-akhawunti okugcina kodwa lithatha umthwalo okhulayo wokuqondisa ukutshalwa kwezimali ngokuhamba kwesikhathi ngokuqondisa kwabazali. Cabangela izimali zokwenziwa, kanye namadiphozithi amancane lapho ukhetha umhlinzeki we-akhawunti yokutshala imali. Ezinye izinketho ezinhle uCharles Schwab, Interactive Brokers IBKR Lite, E*TRADE, kanye noFidelity.® I-akhawunti Yentsha.
Setha Ezinye Imigomo Yezezimali E-SMART
Ngaphambi kokunquma ukuthi ungaqala kanjani ukutshala imali usemusha, thola imali ecacile imigomo. Chaza izinhloso zesikhathi esifushane ezithile, njengokulondoloza ikolishi noma imoto, kanye nezinhloso zesikhathi eside ezizungezile ukuhlelela umhlalaphansi. Iyakha Izinjongo ze-SMART ikugcina ugxile futhi ugqugquzelekile ukuthi ufuna isu lakho lokutshala likuyise kuphi.
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Funda imigomo ebalulekile yokutshala imali futhi uqonde ubungozi uma uqhathanisa nembuyiselo. Tadisha imiqondo eyisisekelo njengokuhlukahluka, ukulinganiswa kwezindleko zedola, ukuphinda utshale izabelo, ukutshala imali engenayo engashintshi, nokuqhathanisa ukuhweba okusebenzayo kanye nokutshala imali kwesikhwama senkomba. Khomba iphrofayili yakho yokubekezelela ubungozi ukusuka kokulandelanayo kuye kokuhlaselayo. Uma wazi okwengeziwe ngaphambi kokuqala ukutshala imali usemusha, ayanda amathuba akho okuphumelela.
Thatha Izinzuzo Zazo Zonke Izinsiza Ezitholakalayo
Kufanele Ngiqale Kuphi Ukonga Imali Yokutshala? Ukukhulisa utshalomali lwakho ngokuhamba kwesikhathi kuncike ekunikeleni imali engenayo eningi kakhulu ngokushesha ngangokunokwenzeka kuphothifoliyo yakho. Thola ukheshi ozowutshala ngokunciphisa ukusetshenziswa kwemali okungadingekile, ukuthola imali ngezibonelelo noma imisebenzi yesikhashana, noma ukheshi izipho zezinsuku zokuzalwa kanye namaholide. Sebenzisa isipredishithi esilula ukuze udale futhi unamathele kusabelomali sanyanga zonke esiqondisa ukheshi ekutshalweni kwakho.
Izinqumo Zokutshalwa Kwezimali - Yini Ekufanele?
Izimpahla ezijwayelekile zokutshala imali njenge amasheya namabhondi thwala amazinga ahlukene obungozi kanye nokubuya. Izimali zenkomba zinikeza indlela eyenziwe lula yokutshala kubhasikidi ohlukahlukene wezibambiso, njengayo yonke i-S&P 500. Abeluleki be-Robo bahlinzeka ngomhlahlandlela wephothifoliyo osuselwa ku-algorithm.
Njengomuntu osemusha osanda kuqala ukutshala imali, khetha ukubheja okuphephile kunezimpahla eziqagelayo futhi ubambe isikhathi eside phezu kokujaha inzuzo yesikhashana. Ungaqala nge ukutshala imali engenayo engaguquki nge izabelo okokuqala, kusho ukuthi inkampane ithola inzuzo noma imali eningi, futhi iyakwazi ukukhokha ingxenye yenzuzo njengenzuzo kubanikazi bamasheya.
Gwema amafa aqagelayo njengama-cryptocurrencies noma izitoko ze-meme ezithembisa izinzuzo zesikhathi esifushane ze-meteoric…azivamisile ukuphela kahle! Vimbela ukuhweba ngokweqile ngokuhlala utshaliwe isikhathi eside. Yiba namaqiniso ekuqageleni, njengoba ngisho nembuyiselo emaphakathi yonyaka engu-8-10% iba mkhulu emashumini eminyaka, hhayi ngokuphazima kweso. Khumbula ukuthi izinkokhelo, izintela, kanye nokwehla kwamandla emali kudla futhi nenzuzo yonke.
Ukulandelela Ukutshalwa Kwezimali Kwakho - Ingxenye Ejabulisayo!
Ngena njalo kuma-akhawunti akho otshalomali ukuze ubuke izinguquko zenani lemakethe. Lindela amadiphu ngezikhathi ezithile, ukumelana nokudayiswa kokwethuka ngesikhathi sokwehla kwesikhashana. Ezinyangeni neminyaka, bheka ukuthi imigomo yakho yezezimali ihlala isendleleni yini. Phinda uvakashele ukubekezelela kwakho ubungozi ngezikhathi ezithile njengoba ukhula ukuze unqume ukulungiswa okudingekayo kwephothifoliyo. Hlala umatasa ngokubona inetha lakho elifanele ukukhuphuka njengoba uqala ukuthi ungaqala kanjani ukutshala imali usemusha!
Izitoreji Eziyinhloko
Ungaqala Kanjani Ukutshala Imali Njengomuntu Omusha? Zihlomise ngolwazi lokutshala izimali, zibekele imigomo yezezimali eqondisiwe, yonga njalo, khetha izimpahla ezifanele, sebenzisa izinketho ze-akhawunti ezifanele, landelela iphothifoliyo yakho, futhi ufunde kukho kokubili izinzuzo nokulahlekelwa. Ukuhlanganisa kusebenza ngempela umlingo wakho ekuqaleni lapho uqala. Sebenzisa lawa macebiso okuthi ungaqala kanjani ukutshala imali usemusha futhi uvumele isikhathi sibe namandla okukhula! Isinyathelo sokuqala - yiba nengxoxo yokutshala izimali nabazali bakho namhlanje kusihlwa!
💡Ingabe ufuna indlela enhle nehehayo yokufundisa intsha mayelana nokutshalwa kwezimali okunempilo kwentsha? Sebenzisa isikhathi sakho I-AhaSlides, futhi akusadingeki ukuba ube nobunzima ukuze wenze isethulo. Bhalisa Manje!
imibuzo ejwayelekile ukubuzwa
Ingane eneminyaka engu-13 ingaqala kanjani ukutshala imali?
Ukuhlanganisa iminyaka engu-13 kusho ukuthi intsha ingavula ama-akhawunti okonga ngokusemthethweni. Nakuba ilinganiselwe, inzalo ezuziwe yenza intsha ibe nomkhuba wokutshala imali. Buza abazali mayelana nokudlulisa izipho zemali noma ukuthola imali ngemisebenzi yasekhaya, ukugada izingane, nokugunda utshani kulezi zimoto zokuqala zokutshala imali.
Iyiphi indlela elula yokuthi intsha iqale ukutshala imali esitokweni?
Indlela elula yokuthi abatshalizimali abasafufusa bathole ukuchayeka ezimakethe zamasheya ukutshala imali ngokungenzi lutho kuma-mutual funds asekelwe kunkomba kanye nezikhwama ezihwebelana ngokuhwebelana (ETFs). Vula i-akhawunti ye-custodial brokerage ngaphansi kokugadwa komnakekeli ukuze ufinyelele lezi zimali ezihlukene kalula ku-inthanethi nangezindleko eziphansi.
Yiziphi izinyathelo ezivumela umuntu oneminyaka engu-16 ukuthi aqale ukutshala imali?
Eminyakeni engu-16, abatshalizimali abasebasha e-US bangabizwa njengabazuzi be-akhawunti yokugcinwa ukuze batshale ngokukhuthele ngokugunyazwa kwabazali/umbheki kanye nokwengamela. Lokhu kuvumela intsha ukuthi ilawule ngokuqondile izitoko, amabhondi, izimali ezihlanganyelwe, nezinye izibambiso kuyilapho ngokusemthethweni ithembele ekuphathweni kwe-akhawunti yabantu abadala.
Ingabe abatshalizimali abaneminyaka engu-16 ubudala bangathenga amasheya ngabanye?
Yebo, ngezimvume ezifanele kanye nokugadwa kwe-akhawunti yabantu abadala, kusemthethweni ngokugcwele ukuthi izingane ezineminyaka engu-16 ubudala zitshale ngokuqondile esitokweni ngaphezu kwezimali. Amasheya angawodwa adala ubungozi obungaguquki obuphezulu, okwenza imali yenkomba eshibhile ibe nezinketho ezingcono zokuqala kubatshalizimali abasebasha abanomqondo ohlukahlukene abanethemba lokwakha ingcebo kancane kancane ngokuhamba kwesikhathi.
Ngabe inqubo iqhathaniswa kanjani nabatshalizimali abaneminyaka engu-19 abaqalayo?
Izingane ezineminyaka engu-19 ubudala zingavula ngokuzimela ama-akhawunti aphelele e-brokerage ukuze zifinyelele kuzo zonke izimakethe zokutshalwa kwezimali zomphakathi kusukela esitokweni kanye nezimali ezihlanganyelwe kuya kwezinye izinto ezifana nempahla nezinhlobo zemali. Kodwa-ke, ukusebenzisa izimali zenkomba kanye neziqondiso zokweluleka ngengcebo njengabatshalizimali kuhlala kuwubuhlakani ngaphambi kokubheja ku-riskier, izimpahla eziyinkimbinkimbi ezansi nomgwaqo.
Ref: Investopedia
