Ungaqala Kanjani Ukutshala Imali ku-SIP Yabaqalayo? Wake wazibuza ngesu elingagcini nje ngokwenza lula umhlaba oyinkimbinkimbi wokutshalwa kwezimali kodwa futhi elenza lifinyeleleke kuwo wonke umuntu?
Faka Uhlelo Lokutshala Oluhlelekile (i-SIP), indlela eyamukelwa kabanzi esizindeni sesikhwama sokutshala imali. Kodwa yini eyenza i-SIP igqame? Ibulawula kanjani ngempumelelo ubungozi, buyenze ivumelane nabasanda kufika?
Ake sihlole izisekelo ze-SIP, siveze izinzuzo zayo, futhi sibhekisise izinyathelo eziyisisekelo zokuthi ungaqala kanjani ukutshala imali ku-SIP ekugcineni.
Okuqukethwe:
Bamba umhlangano obukhoma othi “Uqala kanjani ukutshala imali ku-SIP” workshop
Yenza izethameli zakho zihlanganyele
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🚀 Bamba Imibuzo Yamahhala☁️
Iyini i-Systematic Investment Plan (SIP)
Uhlelo Lokutshalwa Kwezimali Oluhlelekile (SIP) lugqama njengesu elamukelwa kabanzi ngaphakathi kwesizinda sesikhwama sokutshala imali. Imele a indlela eguquguqukayo nengenekayo kubatshalizimali, okubavumela ukuthi bajove ngokuhlelekile inani elinqunywe kusengaphambili ngezikhathi ezithile, ngokuvamile nyanga zonke, kusikhwama sokutshala imali esikhethiwe. Le ndlela ivumela abatshalizimali ukuthi baqongelele inzuzo esikhathini eside kuyilapho bezulazula ngokushintshashintsha kwezimakethe.
Isibonelo esihle umuntu omusha oneziqu oneholo elivamile lanyanga zonke lezigidi ezingu-12. Ngemva nje kokuthola umholo wakhe nyanga zonke, usebenzisa izigidi ezingu-2 ukutshala ikhodi yesitoko kungakhathaliseki ukuthi imakethe iyenyuka noma yehla. Waqhubeka ekwenza lokho isikhathi eside.
Ngakho-ke, ungabona ukuthi, ngale ndlela yokutshala imali, okudingayo akusona isigaxa esikhulu semali, kodwa ukuhamba kwemali kwanyanga zonke okuzinzile. Ngesikhathi esifanayo, le ndlela idinga ukuthi abatshalizimali batshale imali ngokuqhubekayo esikhathini eside.
Izinzuzo Uma Utshala imali ku-SIP
Isilinganiso senani lokokufaka lokutshalwa kwezimali (isilinganiso sezindleko zedola).
Isibonelo, uma unezigidi ezingu-100 ozozitshala, esikhundleni sokutshala izigidi ezingu-100 ngokushesha kwikhodi yesitoko, uhlukanisa leyo mali ibe yizinyanga ezingu-10, inyanga ngayinye utshala izigidi ezingu-10. Uma usabalalisa utshalomali lwakho ezinyangeni eziyi-10, uzozuza enanini lokuthenga elimaphakathi lezo zinyanga eziyi-10.
Kunezinyanga lapho uthenga amasheya ngentengo ephezulu (amasheya ambalwa athengiwe), futhi ngenyanga ezayo uthenga amasheya ngentengo ephansi (amasheya amaningi athengiwe)… Kodwa ekugcineni, uzozuza nakanjani ngoba ungasithenga intengo emaphakathi.
Ukunciphisa Imizwa, Ukukhulisa Ukuvumelana
Lapho utshala imali kuleli fomu, ungahlukanisa izici ezithinta imizwa nezinqumo zokutshala izimali. Awudingi ukuba nekhanda elibuhlungu ucabange: “Imakethe iyehla, amanani aphansi, kufanele ngithenge okwengeziwe?” “Kuthiwani uma uthenga ngenkathi ikhuphuka, kusasa intengo izokwehla?”…Uma utshala imali ngezikhathi ezithile, uzotshala njalo kungakhathaliseki ukuthi intengo iyini.
Ukutshalwa Kwezimali Okungabizi, Nesikhathi Esisebenza Ngawo Wonke Umuntu
Awudingi imali eningi noma isikhathi esiningi ukuze utshale ku-SIP. Uma nje unokugeleza kwemali okuzinzile, ungatshala kuleli fomu. Awudingi ukuchitha isikhathi esiningi kakhulu nsuku zonke ubuka imakethe, noma ucabange kabili ngokuthenga nokudayisa. Ngakho-ke, lolu uhlobo lokutshala izimali olufanele iningi.
Ungaqala Kanjani Ukutshala Imali ku-SIP Yabaqalayo
Ungaqala Kanjani Ukutshala Imali ku-SIP? Lezi zinyathelo eziyisisekelo zibonisa izinjongo nemiphumela yangempela kuye ngokuguquguquka kwemakethe kanye nezimo zomuntu ngamunye. Beka kuqala ucwaningo olubanzi futhi ucabange nokufuna iseluleko kuchwepheshe wezezimali ngaphambi kokwenza izinqumo zokutshala izimali.
Khetha Isikhwama Senkomba ye-SIP
- Ithiphu: Qala uhambo lwakho lokutshala izimali ngokuhlola izimali zenkomba ye-SIP ezihambisana nezinjongo zakho zezezimali. Khetha imali exhunywe kuma-indices athembekile njenge-S&P 500.
- Isibonelo: Ungase ukhethe i-Vanguard's S&P 500 Index Fund ngokusebenza kwayo okuqinile kulandela i-S&P 500.
- Umphumela Ongaba khona: Le nketho ihlinzeka ngokuchayeka kuphothifoliyo ehlukahlukene yezitoko ezihamba phambili zase-US, okusetha isisekelo sokukhula okungaba khona.
Linganisa Izinjongo Zakho Zokutshalwa Kwezimali kanye Nokubekezelela Ubungozi
- Ithiphu: Hlola izinjongo zakho zezezimali kanye nokunethezeka kwengozi. Nquma ukuthi uncike ekukhuleni kwesikhathi eside noma ukhetha isu eliqaphe kakhulu.
- Isibonelo: Uma inhloso yakho kuwukukhula okuqhubekayo okunobungozi obumaphakathi, cabanga ngesikhwama se-Vanguard's S&P 500 Index njengoba sihambisana nale phrofayela yobungozi.
- Umphumela Ongaba khona: Ukuqondanisa ukukhetha kwakho kwesikhwama nokubekezelela kwakho ubungozi kuthuthukisa ikhono lakho lokubhekana nokuguquguquka kwezimakethe zesimo sezulu.
Qalisa I-akhawunti Ye-Brokerage futhi Ugcwalise Izidingo ze-KYC
- Ithiphu: Qala uhambo lwakho lokutshala imali ngokusungula i-akhawunti ye-brokerage enenkundla enedumela elihle njengoCharles Schwab noma i-Fidelity. Gcwalisa izidingo ezibalulekile ze-Know Your Customer (KYC).
- Isibonelo: Vula i-akhawunti no-Charles Schwab, uhambise umazisi odingekayo kanye nobufakazi bekheli lenqubo ye-KYC.
- Umphumela Ongaba khona: Ukwakhiwa kwe-akhawunti okuyimpumelelo kukunikeza ukufinyelela ukuze uqale ukutshala imali esikhwameni sakho senkomba se-SIP esikhethiwe.
Sungula Iminikelo Ye-SIP Ezenzakalelayo
- Ithiphu: Setha isiteji sokutshala imali okungaguquki ngokunquma umnikelo wanyanga zonke (isb, u-$200) futhi uhlele ukudluliselwa okuzenzakalelayo nge-akhawunti yakho yokudayisa.
- Isibonelo: Yenza ngokuzenzakalelayo utshalomali lwanyanga zonke luka-$200 ku-Vanguard's S&P 500 Index Fund.
- Umphumela Ongaba khona: Iminikelo ezenzekelayo isebenzisa amandla okuhlanganisa, okukhuthaza ukukhula okungaba khona kwesikhathi eside.
Buyekeza Njalo futhi Ulungise Njengoba Kudingeka
- Ithiphu: Hlala umatasa ngokubuyekeza njalo ukusebenza kwesikhwama sakho senkomba ye-SIP, nokwenza izinguquko lapho kudingeka.
- Isibonelo: Yenza ukuhlolwa kwekota, lungisa inani lakho le-SIP, noma hlola ezinye izimali ngokusekelwe ezimeni zemakethe.
- Umphumela Ongaba khona: Ukubuyekezwa ngezikhathi ezithile kukunika amandla okwenza izinqumo ezinolwazi, ukuzivumelanisa nezimo zemakethe, futhi uhlale uhambisana nezinjongo zakho zezezimali
Umugqa Ongezansi
Ingabe uthola ukuthi ungaqala kanjani ukutshala imali ku-SIP manje? I-Systematic Investment Planning (SIP) ayilona nje isu lokutshala izimali kodwa futhi iyindlela exhumanisa ubulula nokukhula emhlabeni wezezimali. Ikhono layo lokufaka amanani entengo emaphakathi ngesilinganiso sezindleko zamadola, ukunciphisa ukuntengantenga kwemizwelo, futhi inikeze indlela yokutshala ehlelekile, eyonga isikhathi yawo wonke umuntu ikwenza kube ukukhetha okuvelele.
Ngaphezu kwalokho, i-SIP iyifilosofi eqondisayo eyenza ubunkimbinkimbi ibe lula futhi ikhuthaze isiyalo, ulwazi, nosizo kulabo abafuna ukukhulisa izimali zabo zomuntu siqu.
💡Ufuna ukwenza izinkundla zokucobelelana ngolwazi noma ukuqeqeshwa mayelana nokuthi “Uqala kanjani ukutshala imali ku-SIP”, bheka I-AhaSlides khona manje! Kuyithuluzi elimangalisayo lakho kokubili abantu ngabanye kanye namabhizinisi afuna isofthiwe yokwethulwa kwe-in-one ehlanganisa okuqukethwe okucebile, ukuvota okubukhoma, imibuzo, izakhi ezisekelwe ku-gamified.
imibuzo ejwayelekile ukubuzwa
Iyiphi i-SIP ekahle ukuyiqala?
Le ndlela yokutshala imali ifaneleka kuphela emikhiqizweni yezezimali engathengwa kancane, isibonelo, amasheya, igolide, ukonga, ama-cryptocurrencies, njll. Ngokuyinhloko, uma kuwukutshalwa kwezimali kwesikhathi eside, inani lempahla lizokhula nakanjani ngokuhamba kwesikhathi. Ezinyangeni neminyaka yokuqala, ngenxa yokuthi imali ephelele yokutshalwa kwezimali isencane, ungamukela ubungozi obukhulu kanye nenzuzo ngokuguquguquka okukhulu kwezimakethe.
Ingakanani imali efanelekile ukuthi oqalayo atshale ku-SIP?
Uma utshala u-$5,000 ku-SIP, inani lizosatshalaliswa ku-mutual fund ekhethiwe ngezitolimende ezivamile. Isibonelo, nge-SIP yanyanga zonke, u-$5,000 wakho ungase utshalwe njengo-$500 ngenyanga phakathi nezinyanga eziyishumi. Ukuvumelana kubaluleke kakhulu kunesamba sokuqala, futhi ungakwazi njalo ukulungisa njengoba isimo sakho sezezimali sithuthuka. Ukuqapha njalo kuqinisekisa ukuthi ukutshalwa kwezimali kwakho kuhambisana nezinjongo zakho kanye nezimo zemakethe.
Ngingaqala kanjani ku-SIP?
Ungaqala kanjani ukutshala imali ku-SIP? Umbandela odingekayo ukuze ukwazi ukutshala izimali ngezikhathi ezithile wukuba nokugeleza kwemali okuzinzile. Inani lanyanga zonke lemali oyibekele ukutshalwa kwezimali kumele lihlukaniswe ngokuphelele kwezinye izidingo zempilo, okuhlanganisa nezidingo eziphuthumayo njengezingozi zempilo, nobungozi bokungasebenzi… Ukutshalwa kwezimali ngezikhathi ezithile, okungukuthi, ukutshalwa kwezimali akunamkhawulo ngesikhathi.
Ngakho-ke, udinga ukulungiselelwa ngokwengqondo ukuthi lokhu kuyitshalomali yesikhathi eside, engahlala iminyaka eyishumi. Iseluleko esincane lapha ukuthi ngaphambi kokuba uqale ukutshala izimali, kufanele uzakhele isikhwama sezimo eziphuthumayo. Lena imali yokukusiza ukuthi ubhekane nezimo eziphuthumayo empilweni.
Ref: Ibhange le-HDFC | Times of India
