Inkonzo yokurhweba ikopi. I-Algo yethu ivula ngokuzenzekelayo kwaye ivale urhwebo.
I-L2T Algo inikezela ngemiqondiso enengeniso ephezulu kunye nomngcipheko omncinci.
24/7 urhwebo cryptocurrency. Ngelixa ulalayo, siyarhweba.
Ukuseta imizuzu eli-10 kunye neenzuzo ezinkulu. Incwadi yesikhokelo ibonelelwe ngokuthenga.
79% izinga lempumelelo. Iziphumo zethu ziya kukuvuyisa.
Ukuya kuthi ga kwi-70 yorhwebo ngenyanga. Kukho ngaphezu kwe-5 izibini ezikhoyo.
Imirhumo yenyanga iqala kwi-£58.
Ngaphambi kokuba wenze nasiphi na isigqibo malunga notyalo-mali, uyazi okanye ungazi, kufuneka uzibuze imibuzo emithathu. Enye kukuba imali yakho iya kukhuseleka. Okwesibini kukuba ungayifumana imali yakho xa uyidinga, kwaye eyokukugqibela yimbuyekezo oya kuyifumana kuyo. Le mibuzo imalunga nenxalenye emithathu ebalulekileyo yotyalo-mali: ukhuseleko, ukuhlawula amatyala, kunye nembuyekezo. Ezi zizinto omele uzikhathaze ngazo ngeli xesha ukuhamba ngeendaba zotyalo-mali kwaye ujonge i-asethi enenzuzo oza kutyala kuyo.
Khumbula ukuba kufuneka uqwalasele zonke iinkalo zontathu ngexesha elinye. Makhe sibone ukuba inokuba yintoni isiphumo ukuba ugxininisa kwinye kuphela. Ukuba ulandela ezona ndlela zininzi zolwelo, kungcono ugcine imali kwilokha okanye kwimali oyongileyo okanye kwiakhawunti yangoku. Nangona kunjalo, xa ilixesha lokuqwalasela oko kuya kunika imbuyekezo ephezulu, ungquzulwano luvela. Kwiimeko ezininzi, utyalo-mali olunembuyekezo encomekayo alunikezeli ngokhuseleko oluphezulu okanye imali yokuhlawula amatyala.
Njengoko usenokuba sele uqaphele, utyalo-mali luyakunyanzela ukuba wenze urhwebo. Xa utyala imali kwi-real estate, uthengisa nge-liquidity. Ngokutyala imali kwizitokhwe, uthatha umngcipheko weemarike kwaye uthengise ngokhuseleko. Xa usiya kwidipozithi esisigxina, uthengisa ngembuyekezo ephezulu.
Kukho iindlela ezintathu ezibanzi zokukhetha kutyalo-mali lwemali: imali, izabelo, kunye neebhondi. Imali yeyona ikhuselekileyo kwaye ikwamanzi kakhulu kodwa imbuyekezo iphantsi kakhulu. Iibhondi okanye umvuzo osisigxina okanye ityala lizisa umngcipheko ophakathi kwaye alunamanzi amancinci, kodwa lunika imbuyekezo engcono xa kuthelekiswa nemali. Izabelo zamashishini ezingenanzala emisiweyo zinomngcipheko ophezulu kodwa kulula ukufumana imali yokuhlawula amatyala ngeemarike.
Imbuyekezo nayo kulindeleke ukuba ibephezulu kunekheshi okanye iibhondi. Kwiiklasi ezintathu, unokuthembela kwiiklasi ezingaphantsi. Iimali zolwelo zilungile njengekheshi kodwa zibonelela ngembuyekezo engcono kunemali egcinwe ebhankini. Iibhondi zikarhulumente zilulwelo olungaphezulu kwaye zikhuselekile kunebhondi zamashishini, kodwa zibonelela ngembuyekezo esezantsi kunezi zamva. Ingxowa-mali ehlangeneyo eyahluka-hlukeneyo ayinabungozi kangako kunotyalo-mali kwizitokhwe nje ezimbalwa okanye kwingxowa-mali yecandelo.
Ngoko ke, kufuneka ukhethe ntoni kutyalo-mali?
Impendulo ixhomekeke kwiinjongo zakho zemali. Ke, qala uqonde iinjongo zakho, kwaye uvavanye ixesha elikhoyo lokuba utyalo-mali lwakho lusebenze kunye nembuyekezo oyifunayo ukuze ufezekise iinjongo zakho. Ukhetho lwakho lotyalo-mali luya kugqitywa ngokusekelwe kwezi zinto zintathu. Ipotfoliyo elungileyo yotyalo-mali ikhulisa izinto ezintathu ezibalulekileyo ukuze ufumane iinjongo zemali kunye nokwakha ubutyebi.
Ngaphandle kokwazi indlela yokukhetha utyalo-mali lwakho, kufuneka kwakhona uqaphele iimpazamo eziqhelekileyo zotyalo-mali. Ukunqanda ukwenza ezo mpazamo, yazi ukuba ziphi na:
Impazamo 1: Ukungahoyi ulwabiwo lwe-asethi
Utyalo-mali oluninzi olungenamkhethe olusekwe kwingcebiso evela kusapho kunye nabahlobo yile nto uzakhela ngayo ipotifoliyo yakho yotyalo-mali. Ke, umntu ufumana iidiphozithi ezahlukeneyo ezimiselweyo, ukubuyisela imali kunye nemigaqo-nkqubo yeinshurensi ye-inshurensi, iimali ezifanayo okanye izitokhwe. Nangona kunjalo, ayisosigqibo esilumkileyo sokutyala imali kuzo zonke ezi. Unokucinga ukuba utyala imali efanelekileyo kwiindawo ezifanelekileyo, kodwa zonke iinketho zisenokungakulungeli wena. Kubalulekile ukuqwalasela iinyani ezifana neminyaka yakho, i-asethi yemali, kunye nokunye. Ukwabiwa kwe-asethi sesona sixhobo somtyali-mali sokudala ubutyebi.
Impazamo yesi-2: Ukubala imisebenzi emininzi njengesicwangciso sotyalo-mali
Abatyali-zimali abaninzi abancinci baphatha iimarike zemasheya njengohlobo lomatshini we-roulette ukwenza imali. Nangona kunjalo, kubenza balahlekelwe yimali. Kananjalo ayibobulumko ukuthenga iseti entsha yeengxowa-mali ezihlangeneyo rhoqo ngenyanga njengoko ibangela ukwahlukana okugqithisileyo. Ayinangqiqo ukongeza enye imveliso endaweni yokuxhasa iimveliso eziwinileyo kwipotifoliyo yakho ekhoyo. Ukuba uzifumana uchitha ixesha elininzi notyalo-mali lwakho, ngokuqinisekileyo kukho into engalunganga kwaye kufuneka ulungise isicwangciso sakho sotyalo-mali.
Njengesikhokelo esibanzi, unokuba neenjongo zexesha elide zokuxhamla kumxube wokulingana kunye neebhondi, ngelixa iinjongo zexesha elifutshane zikhathalelwa ngcono yimali okanye utyalo-mali olumanzi. Akunjalo ukuba iinjongo zemali azikwazi ukufezekiswa ngokutshala imali kwi-fixed deposits okanye kwi-stocks. Icala elisezantsi kuphela kukuba kungafuneka usebenze nzima kakhulu kolu tyalo-mali. Ngokubanzi, ukuba kuninzi kuwe ukwenza isigqibo, unokuhlala udibana nomcebisi wakho wotyalo-mali.
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