Ungaqala Kanjani Ukutshala Imali? Izigidigidi namabhiliyoni kuyaqabukela - mhlawumbe NEVER - bashiye imali "ilele" njengemali. Ukutshala imali kungenye yezindlela ezisebenza kahle kakhulu zokwenza imali yakho ngokugcwele. Ngakho-ke ungaqala kanjani ukutshala imali, noma ungaqala kanjani ukutshala imali ngaphandle kwemali? Ingabe kufanele ngitshale izindlu? Masithole izimpendulo zemibuzo yakho mayelana nokutshala imali manje.
Kulesi sihloko, uzofunda:
- Ungaqala Kanjani Ukutshala Imali Njengomuntu Omusha?
- Ingakanani Imali Oyidingayo Ukuze Uqale Ukutshala Imali?
- Ungaliqala Kanjani Ibhizinisi Ngaphandle Kwemali?
- Ungaqala Kanjani Ukutshala Imali Emakethe Yamasheya?
- Ungaqala Kanjani Ukutshala Imali Ku-Real Estate?
- Ungaqala Kanjani Ukutshala Imali ku-SIP?
- Ungaqala Kanjani Ukutshala imali kuma-Startups?
- Izitoreji Eziyinhloko
- imibuzo ejwayelekile ukubuzwa
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Ungaqala Kanjani Ukutshala Imali Njengomuntu Omusha?
Ngokuduma kwe-inthanethi kanye nokwanda kokuthenga nokutshala imali ku-inthanethi, intsha ihola imali eningi kunabazali bayo abaneminyaka efanayo namuhla. Nangaphambi kwale nkathi yedijithali, ukuqala ukutshala imali lapho usuphendukela ku-13 noma i-14 ayiphumeli kangako emkhawulweni, futhi uWarren Buffett uyisibonelo esihle kakhulu. Akuthina sonke esingaba nengqondo ebukhali njengoWarren Buffet lapho sisebasha, kodwa maningi amathuba okuthi siqale ukutshala imali manje.
Kulula njengalokho, vula i-akhawunti ye-brokerage kusuka kumapulatifomu athembekile, thenga isitoko, amabhondi, izabelo, futhi ugxile ekukhuleni kwesikhathi eside. Ngemva kweminyaka engu-5-6, uzomangala ukuthi usuzuze ngaphezu kwalokho obukulindele.
Ingakanani Imali Oyidingayo Ukuze Uqale Ukutshala Imali?
Manje, ungase uzibuze yimalini ukuqala ukutshala? Ayikho impendulo eqondile yalokho, yebo uma unemali eningi, akusho lutho. Kubantu abaneholo elimaphakathi, umthetho omuhle wesithupha uyathathwa 10-20% wemali engenayo yangemva kwentela ngenyanga yokutshala imali. Uma uzuze u-$4000 ngenyanga, ungakhipha u-$400 kuya ku-$800 ekutshaleni kwakho.
Isibonelo, ukutshala izimali ezitokweni kanye nezabelo kungaba yisiqalo esihle senzuzo yesikhathi eside ngesabelomali esilinganiselwe. Kodwa yimalini ongayibeka ekutshalweni kwezimali okufanele ihlangabezane nenye yezidingo eziyisisekelo: awunaso isamba esikhulu sesikweletu, unemali oyigcinele izimo eziphuthumayo, futhi iyimali eyisipele, unolwazi oluyisisekelo mayelana nokutshalwa kwezimali, futhi ukulungele ukuthatha izingozi.
Ungaliqala Kanjani Ibhizinisi Ngaphandle Kwemali?
Kuthiwani uma ungenayo imali? Nansi into, ongayenza qala ibhizinisi ngaphandle kwemali ngokusekelwe kulwazi nezinsiza ezikhona. Isibonelo, ukumaketha okuhlangene kuyathandwa namuhla. Unayo ibhulogi yakho, i-IG, i-Facebook, i-akhawunti ye-twitter ye-X enenani elikhulu labafundi nabalandeli, kungaba indawo enhle yokubeka izixhumanisi ezihambisanayo futhi uthole imali ngalokho ngaphandle kwemali eyinhloko. Uzakwenu uzokukhokhela inani lekhomishini, ingahluka, $1, $10, nangaphezulu ngokuthenga ngakunye konke kungenzeka. Kuzwakala kukuhle, akunjalo?
Ungaqala Kanjani Ukutshala Imali Emakethe Yamasheya?
Ukutshala imali ezimakethe zamasheya akuyona into entsha. Vula i-akhawunti ye-brokerage futhi ulandelele ukuhamba kwesitoko nezimakethe kulula kakhulu ngefoni yakho ephathekayo. Noma yini iku-inthanethi. Okubalulekile ukuthi yimuphi umphakeli noma umdayisi we-brokerage ohamba phambili, onemali ephansi noma eyiziro. Okubaluleke nakakhulu, ukuthi wazi kanjani ukuthi lezi zitoko kuhle ukutshala kuzo. Esitokweni, engcupheni ephezulu, imiklomelo ephezulu. Uma ungathandi ukuzifaka engcupheni, ugxile ezimpahleni zemali engenayo engashintshi, izabelo, nama-ETF e-S&P 500, okuyizinkampani ezaziwayo ezinokukhula okuzinzile.
Ukuhweba vs Ukutshala Ikuphi Okungcono? Emakethe yamasheya, kunezici ezimbili okufanele uzinake, ukuhweba vs ukutshala imali. Umbuzo ojwayelekile ukuthi iyiphi engcono. Impendulo incike. Ukuhweba kumayelana nenzuzo yesikhathi esifushane lapho uthenga futhi uthengisa izibambiso ngokushesha, ukuze uthole ngokuguquguquka kwentengo. Ngokuphambene, Ukutshala imali kumayelana nenzuzo yesikhathi eside, lapho uthenga futhi ubambe amasheya iminyaka, ngisho namashumi eminyaka ukuze uthole imbuyiselo. Kungukuzikhethela kwakho ukunquma ukuthi iyiphi indlela yokutshala imali oyikhethayo noma evumelana nezinjongo zakho zezimali.
Ungaqala Kanjani Ukutshala Imali Ku-Real Estate?
I-Real Estate ihlale iyimakethe enenzuzo kubatshalizimali kodwa ihlanganisa nenqwaba yezingozi. Ukuthengisa ngokushesha impahla yendawo kanye nokuthola ikhomishana ephezulu yilokho abantu abaningi abakucabangayo ngale mboni. Kodwa i Ukutshalwa Kwezezakhiwo ibanzi kakhulu kunalokho.
Ziningi izindlela zokwenza imali ngokutshala izindlu ezithengiswayo, njengokwazisa, iholo eliqashisayo, izakhiwo ezishintshashintshayo, I-Real Estate Investment Trusts (REITs), ukuxhaswa ngemali kwabantu abaningi, izindlu ezithengiswayo, izinketho zokuqashisa, ukuthengiswa kwempahla, nokuningi. Uma ungumuntu osaqalayo kulo mkhakha, qaphela ulwazi oluthola ku-inthanethi nama-ejenti, akulona iqiniso ngaso sonke isikhathi futhi amathuba okukhohliswa aphezulu, ngakho qiniseka ukuthi unolwazi olwanele futhi wenze ucwaningo kusengaphambili.
Ungaqala Kanjani Ukutshala Imali ku-SIP?
Kulungile uma ungawazi ngempela umqondo we-SIP, njengoba udume kakhulu e-India ngokukhula okuphawulekayo eminyakeni yamuva. I-SIP imele Uhlelo lokutshala izimali oluhlelekile, indlela yokutshala izimali ezinhlelweni ze-mutual fund, okuvumela abatshalizimali ukuthi baqale ukutshala imali ngamanani amancane uma kuqhathaniswa njalo ngokuhamba kwesikhathi. Kuyisinqumo esihle kulabo abangenayo imali eyanele yokutshala imali ngesikhathi esisodwa. Isibonelo, ngemva kwezinyanga ezingu-12 zokutshala ngokungaguquki u- ₹1,000 ngenyanga ngembuyiselo yonyaka engu-10%, inani lesamba lotshalo-zimali lingaba ngu-R13,001.39.
Ungaqala Kanjani Ukutshala Imali Ku-Startups?
Kuthiwani ngokutshala imali kwabaqalayo? Ngempela ibhizinisi eliyingozi kakhulu. Ngokocwaningo lwakamuva, izinga lokuhluleka kwabaqalayo abasha njengamanje lingama-90%, u-10% wamabhizinisi amasha awasindi ngonyaka wokuqala. Kusho ukuthi ku-startups ngayinye eyi-10, kukhona impumelelo eyodwa kuphela. Kodwa akwenzi abantu bazizwe benokholo oluncane ekutshalweni kwezimali kokuqala. Ngoba umuntu uyaphumelela, kubiza izigidigidi zamaRandi, i-Apple, iMicrosoft, iTikTok, i-SpaceX, iStripe, I-AhaSlides, nokunye kuyizibonelo ezinhle kakhulu. Uma utshala imali ezimbonini eziqalayo, khumbula ukuthi uWarren Buffett wathini: “Intengo yilokho oyikhokhayo. Inani yilokho okutholayo”,
Izitoreji Eziyinhloko
“Ungatshali imali entweni ongayiqondi,” kusho uWarren Buffett. Lapho utshala imali, ungalokothi ubeke imali yakho ebhizinisini ngaphandle kokufunda ngakho kusenesikhathi. Ukuqala kanjani ukutshala imali enkathini yedijithali kuqala ngokumba ukuze uthole ulwazi nokuqonda, ukufunda kochwepheshe, nokulandela umqondo wosomabhizinisi.
💡Ungaqala kanjani ukutshala imali ethuluzini lesethulo? Sonke sidinga izethulo zokufunda, ukufundisa, ukusebenza, kanye nokuhlangana. Isikhathi sokunaka izinzuzo zokuthuthukisa izethulo zakho ngezinto ezisebenzisanayo nezihlanganyelwe. Hlola I-AhaSlides ungafunda kanjani ngamaphrezentheshini ahehayo athatha izinhliziyo zezigidi zababukeli.
imibuzo ejwayelekile ukubuzwa
Umuntu osaqalayo kufanele aqale kanjani ukutshala imali?
Nansi inkomba eyizinyathelo eziyisi-7 yokutshala imali kwabaqalayo:
- Funda mayelana nezimakethe
- Zibekele imigomo yakho yokutshala imali
- Nquma ukuthi ungatshala malini
- Vula i-akhawunti yokutshala imali
- Cabangela isu lokutshala imali
- Khetha ibhizinisi lakho lokutshala imali
- Landelela ukusebenza kwe-investimenti yakho
Ingabe u-$100 wanele ukuqala ukutshala imali?
Yebo, kuhle ukuqala ukutshala imali ngemali encane. U-$100 uyisamba esihle sokuqala, kodwa uzodinga ukuqhubeka nokwengeza okwengeziwe ukuze ukhulise utshalomali lwakho.
Ngiqala kanjani ukutshala imali lapho ngingasebenzi?
Ziningi izindlela zokwenza ukutshalwa kwezimali uma usezingeni eliphansi lempilo yakho. Thola umsebenzi, wenze umsebenzi omatasatasa, sebenzisa imali ethile ekutshaleni imali ezitokweni ngaphandle kwemali eningi, njengokuthenga amasheya ayingxenye yesitoko nama-ETF. Kuyinzuzo yesikhathi eside.
Ref: Forbes | Investopedia | HBR
