Kodi Aliyense Ayenera Kudziwa Chiyani Zokhudza Kupereka Ndalama?

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Musanapange chisankho chilichonse pankhani yazandalama, mukudziwa kapena mosadziwa, muyenera kudzifunsa mafunso atatu. Imodzi ndikuti ndalama zanu zikanakhala zotetezeka. Chachiwiri ndikuti mungabwezere ndalama zanu panthawi yomwe mukufuna, ndipo yomaliza ndi yomwe mudzabwerenso. Mafunsowa ndi gawo limodzi mwazinthu zitatu zofunika pakugulitsa: chitetezo, kupezeka, ndi kubweza. Izi ndi zomwe muyenera kuda nkhawa mukadali kudutsa nkhani zachuma ndikuyang'ana chuma chopindulitsa kuti mugwiritse ntchito. 

Kumbukirani kuti muyenera kulingalira zinthu zitatu zonse nthawi imodzi. Tiyeni tiwone chomwe chingachitike ngati mungoyang'ana chimodzi. Ngati mwatsata njira zamadzi zambiri, ndibwino kuti musungire ndalama mu loka kapena mu ndalama zanu kapena mu akaunti yanu yapano. Komabe, ikafika nthawi yolingalira zomwe zingabweretse ndalama zambiri, mkangano umawonekera. Nthawi zambiri, ndalama zomwe zimabwezedwa bwino sizimapereka chitetezo chokwanira kapena chotsimikizika. 

Monga mwina mwazindikira kale, kuyika ndalama kumakukakamizani kuti mupange tradeoffs. Mukamayesa ndalama kugulitsa malo ndi malo, mumagulitsa ngongole. Mukayika ndalama m'matangadza, mumakhala pachiwopsezo pamsika ndikugulitsa chitetezo. Mukapita kokasungitsa ndalama, mumachita kubweza ndalama zambiri. 

Pali zosankha zitatu pamabizinesi azachuma: ndalama, ndalama, ndi ma bond. Cash ndiye otetezeka kwambiri komanso imakhalanso ndimadzimadzi koma kubwerera kumakhala kotsika kwambiri. Mabond kapena ndalama zokhazikika kapena ngongole zimabweretsa chiwopsezo chochepa ndipo sichikhala madzi, koma zimapereka phindu labwino poyerekeza ndi ndalama. Ndalama zili pachiwopsezo chachikulu koma ndizosavuta kupeza m'misika. 

Zobwezeretsedwazo zikuyembekezeranso kuti ndizokwera kuposa ndalama kapena ma bond. M'magulu atatuwa, mutha kudalira magulu ena ochepa. Ndalama zamadzimadzi ndizofanana ndi ndalama koma zimapereka zabwino kuposa ndalama zomwe zimasungidwa kubanki. Zomangira zaboma ndizamadzi komanso zotetezedwa kuposa zamakampani, koma zimapereka ndalama zochepa kuposa zam'mbuyomu. Thumba losiyanasiyana lothandizirana nalo silowopsa pang'ono poyerekeza kungoyika ndalama m'matangadza angapo kapena thumba lachigawo. 

Ndiye muyenera kusankha chiyani pazogulitsa? 

Yankho lagona pa zolinga zanu zachuma. Chifukwa chake, mverani kaye zolinga zanu, ndikuwunika nthawi yomwe ndalama zanu zingagwire ntchito ndi zomwe mukufuna kubwerera kuti mukwaniritse zolinga zanu. Kusankha kwanu pakusankha ndalama kungasankhidwe kutengera izi. Mbiri yabwino yogulitsa ndalama imakwaniritsa zinthu zitatu zofunika kuti mupeze zolinga zachuma ndikupanga chuma.

Kupatula kudziwa momwe mungasankhire ndalama zanu, muyeneranso kulabadira zolakwika zomwe anthu ambiri amachita. Pofuna kupewa kulakwitsa izi, dziwani zomwe zili:

Cholakwika 1: Kusasamala kagawidwe ka chuma

Ndalama zambiri zosasinthika kutengera upangiri wochokera kwa abale ndi abwenzi ndizomwe mumapanga mbiri yanu yazachuma. Chifukwa chake, wina amapeza madipoziti osiyanasiyana, ndalama zobwezera ndalama ndi inshuwaransi ya zopereka, ndalama zothandizana kapena masheya. Komabe, sichinthu chanzeru kusankha kugulitsa zonsezi. Mutha kuganiza kuti mukusungitsa ndalama zabwino m'malo abwino, koma zosankha zonse sizingakhale zabwino kwa inu. Ndikofunika kulingalira monga zaka zanu, chuma chanu, ndi zina zambiri. Kugawidwa kwa chuma ndi chida chachikulu kwambiri kwa amene amagulitsa ndalama kuti apange chuma. 

Cholakwika 2: Kuwerengera zochitika zambiri ngati njira yopezera ndalama

Otsatsa ambiri achichepere amatenga misika yama stock ngati mtundu wamakina opangira ndalama. Komabe, zimawapangitsa kuti ataye ndalama. Sikwanzeru kugula ndalama zatsopano mwezi uliwonse chifukwa zimayambitsa kusiyanasiyana. Sizomveka kuwonjezera china m'malo mochirikiza zopambana m'mbuyomu. Ngati mukupeza kuti mumathera nthawi yochuluka ndi ndalama zanu, ndiye kuti pali china chake cholakwika ndipo muyenera kupeza njira yabwino yogwiritsira ntchito ndalama. 

Monga chitsogozo chachikulu, mutha kukhala ndi zolinga zakanthawi kuti mupindule ndi kusakanikirana ndi ma bond, pomwe zolinga zazifupi zimasamalidwa bwino ndi ndalama kapena ndalama zamadzi. Sikuti zolinga zandalama sizingakwaniritsidwe mukamaika ndalama m'matangadza kapena m'masheya. Chokhachokha ndichakuti mwina muyenera kulimbikira kwambiri pazogulitsa izi. Ponseponse, ngati zili zochuluka kwambiri kuti musankhe, mutha kulumikizana ndi omwe amakupatsani ndalama.