Yintoni ekufuneka wonke umntu ayazi malunga nokuTyala imali?

Ukuhlaziywa:

Ngaphambi kokwenza nasiphi na isigqibo malunga notyalomali, uyazi okanye ungazi, kuya kufuneka uzibuze imibuzo emithathu. Enye kukuba imali yakho ibiya kukhuseleka. Okwesibini kukuba ungayibuyisa imali yakho xa uyidinga, kwaye eyokugqibela yeyokubuyela oya kuyifumana kuyo. Le mibuzo imalunga nenxalenye ezintathu zotyalo-mali: ukhuseleko, ukuhlawula amatyala kunye nembuyekezo. Nazi izinto ekufuneka ukhathazekile ngazo ngelixa uhamba ngeendaba zokutshala imali kwaye ujonge i-asethi enenzuzo yokutyala imali kuyo. 

Gcina ukhumbula ukuba kuya kufuneka uthathele ingqalelo zontathu izinto ngaxeshanye. Masibone ukuba inokuba yintoni iziphumo xa ujonge enye. Ukuba emva kokhetho oluninzi kulunge kakhulu, kungcono ke ukuba ugcine imali kwilokhari okanye kugcino lwakho okanye kwiakhawunti yangoku. Nangona kunjalo, xa ilixesha lokuthathela ingqalelo into enokunika eyona mbuyekezo iphezulu, ukungqubana kuyavela. Kwiimeko ezininzi, utyalo-mali kunye nembuyekezo efanelekileyo ayiboneleli ngokhuseleko oluphezulu okanye ukuthengiswa kwemali. 

Njengoko sele uqondile, ukutyala imali kuyakunyanzela ukuba wenze urhwebo. Xa utyala imali kwizindlu nomhlaba, urhweba ngorhwebo. Ngokutyala imali esitokisini, uthatha umngcipheko wentengiso kwaye urhweba ngokhuseleko. Xa usiya kwidiphozithi esisigxina, urhweba ngembuyekezo ephezulu. 

Zintathu iindlela ezibanzi ekukhetheni imali: imali, ii-equity, kunye neebond. Imali yeyona ikhuselekileyo kwaye ikwalulwelo kakhulu kodwa imbuyekezo iphantsi kakhulu. Iibhondi okanye umvuzo osisigxina okanye ityala lizisa umngcipheko ophakathi kwaye alulwelo oluninzi, kodwa lubonelela ngembuyekezo engcono xa kuthelekiswa nemali. I-equities inobungozi obuphezulu kodwa kulula ukufumana ukuthengiswa kwiimarike. 

Imbuyekezo kulindeleke ukuba ibe ngaphezulu kuneemali okanye iibhondi. Ngaphakathi kwezi klasi zintathu, unokuxhomekeka ngakumbi kwiiklasi ezingaphantsi. Iimali zotywala zilungile njengekheshi kodwa zibonelela ngembuyekezo engcono kunemali egcinwe ebhankini. Iibhondi zikarhulumente zinamanzi kwaye zikhuselekile kuneebhondi ezihlanganisiweyo, kodwa zibonelela ngembuyekezo esezantsi kunale yokugqibela. Ingxowa mali eyahlukeneyo iyahluka xa ithelekiswa nokutyala imali kwiitokhwe ezimbalwa okanye kwingxowa mali yecandelo. 

Ke, kufuneka ukhethe ntoni kutyalo mali? 

Impendulo ixhomekeke kwiinjongo zakho zemali. Ke, kuqala qonda iinjongo zakho, kwaye uvavanye ixesha elikhoyo lotyalo-mali lwakho ukuze lusebenze kunye nembuyekezo oyifunayo ukuze uhlangane neenjongo zakho. Ukhetho lwakho lotyalo-mali luya kugqitywa ngokusekwe kwezi zinto zintathu. Iphothifoliyo elungileyo yotyalo-mali yenza ukuba izinto ezintathu ezibalulekileyo zifumane iinjongo zezemali kunye nokwakha ubutyebi.

Ngaphandle kokwazi indlela yokukhetha utyalo-mali lwakho, kuya kufuneka unikele ingqalelo kwiimpazamo eziqhelekileyo zotyalo-mali. Ukuthintela ukwenza ezo mpazamo, zazi ukuba ziyintoni:

Impazamo 1: Ukunganikeli ngqalelo kulwabiwo lweasethi

Uninzi lotyalo-mali olungacwangciswanga ngokusekwe kwiingcebiso ezivela kusapho kunye nabahlobo yile nto uyakha ipotifoliyo yakho yotyalo-mali. Ke, umntu ufumana iidipozithi ezahlukeneyo ezisisigxina, ukubuyela kwemali kunye nemigaqo-nkqubo yeinshurensi yokunikezela, iimali ezihlangeneyo okanye izitokhwe. Nangona kunjalo, ayisosigqibo sobulumko sokutyala imali kuzo zonke ezi zinto. Unokucinga ukuba utyala imali efanelekileyo kwiindawo ezifanelekileyo, kodwa zonke iindlela onokukhetha ukuzenza azinakulunga kuwe. Kubalulekile ukuqaphela iinyani ezinje ngeminyaka yakho, iasethi yezemali, kunye nokunye. Ulwabiwo lweasethi sesona sixhobo sikhulu somtyali mali ukwenza ubutyebi. 

Impazamo 2: Ukubala imisebenzi emininzi njengesicwangciso sotyalo mali

Abatyalomali abaninzi abancinci baphatha iimarike zentengiso njengohlobo lomatshini weroulette ukwenza imali. Nangona kunjalo, ibenza balahlekelwe yimali. Ayibobulumko ukuba uthenge iseti entsha yeemali ezihlangeneyo inyanga nenyanga njengoko ibangela ukwahluka-hlukana. Akunangqondo ukongeza enye imveliso endaweni yokuxhasa iimveliso eziphumeleleyo kwipotifoliyo yakho esele ikho. Ukuba ufumanisa ukuba uchitha ixesha elininzi notyalo-mali lwakho, ngokuqinisekileyo kukho into engalunganga kwaye kufuneka ufumane isicwangciso-qhinga sakho sokutyala ngokufanelekileyo. 

Njengesikhokelo esibanzi, unokuba neenjongo zexesha elide zokuxhamla kumxube we-equity kunye neebond, ngelixa iinjongo zexesha elifutshane zikhathalelwa ngcono yimali ezinkozo okanye utyalo-mali. Ayikuko ukuba iinjongo zezemali azinakufezekiswa ngokutyala imali kwiidiphozithi okanye kwisitokhwe esimiselweyo. Icala elisezantsi kuphela kukuba kungafuneka usebenze nzima ngakumbi kolu tyalo mali. Ngokubanzi, ukuba kukhulu kakhulu ukuba uthathe isigqibo, unokuhlala unxibelelana nomcebisi wakho wotyalo mali. 

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