Kucacile ukuba iprofayili nganye yotyalo-mali inonyango olwahlukileyo lokuhambisa utyalo-mali lwayo kunye nokwenza ulondolozo lube nenzuzo kwelona xesha liphezulu longenelelo. Kule ndlela siza kuthi phuhlisa uthotho lwamacebo kutyalo-mali olwenzelwe bona ngokukodwa. Ngale ndlela, uya kululungiselela ngcono ulawulo lweeasethi zakho zobuqu okanye zosapho ukuze ekugqibeleni ube nokulinganisela okuphezulu kwiakhawunti yakho yokujonga kwaye oko kukuthi, emva kwayo yonke loo nto, imalunga nantoni na.
Ukongeza, usebenzisa le nkqubo ukuzibeka kwimarike yemali, uya kuba neengxaki ezimbalwa zokufumana ilahleko kwingxelo yakho yengeniso. Phakathi kwezinye izizathu kuba utyalomali lwakho luya kulungelelaniswa nezona mfuno zakho zokwenyani. Ngaphandle kokuba uthathe umngcipheko ogqithileyo, kuphela ezo zifunyenwe kutyalo-mali ngokwalo. Apho kubaluleke kakhulu ukuba ube nemveliso yakho esekwe kwiimpawu onazo njengomtyali mali omncinci nophakathi. Ukuze ekugqibeleni iziphumo zihlangabezane nolindelo olwenziwe.
Kwelinye icala, ayinakulityalwa ukuba icandelo elilungileyo le- iimpazamo ezenziwa ngabatyali mali zivela ngokungabhaliseli imveliso kutyalo-mali olufanelekileyo. Oku kuqheleke kakhulu phakathi kwabasebenzisi, abazenza ngokusemthethweni ngaphandle kokuba babe nolwazi olunqwenelekayo lwezezimali. Isiphumo sokuba ekugqibeleni ingoyena unqwenelekayo kwimidla yabo, kwiimeko ezininzi kukhubazekile ekusebenzeni. Ukuthintela ezi zehlo, siza kukunika ukuba yeyiphi iprofayili yotyalomali kwaye yeyiphi imveliso ekufuneka uyiqeshile ukusukela ngoku.
Iprofayile yomsebenzisi: Conservative
Kukuyo uninzi lwabatyali zimali abancinci nabaphakathi abangabanini bayo eyona njongo yabo iphambili kukugcina imali yabo ngaphezulu kwezinye izinto ezinoburharha. Uluvo lokufumana inzuzo encinci, nokuba iphantsi kangakanani, iyasinda emva kwayo yonke loo nto. Kule meko, kukho iimveliso ezininzi ezanelisa le mfuno kwinqanaba labatyali zimali zentengiso. Enye yezona zinto zibalulekileyo ngokungathandabuzekiyo iidipozithi zebhanki zexesha elide ezinikezela nge buyisela kulondolozo ukuya kuthi ga kwi-0,5%. Ndiqinisekile ukuba xa sikhula siza kulubuyisa lonke utyalo-mali kunye nomdla walo.
Le mveliso kwelinye icala inokubhalisa namaxesha abekiweyo ahlukeneyo isigxina ngokuxhomekeke kwiimfuno zabanini bayo. Ukusuka kwiiveki nje ezimbalwa ukuya kuthi ga kwiminyaka emi-4 okanye emi-5 apho imali iya kuhlala ingenamandla de igqitywe. Enye yeenzuzo zolu hlobo lotyalo-mali kukuba abafuni iikhomishini okanye ezinye iindleko kulawulo lwabo okanye kulondolozo. Ngamanye amagama, yimodeli yolondolozo engayi kufuna nakuphi na ukuhlawula njengoko kwenzekayo kwezinye iifomati ukwenza ukonga kunenzuzo. Uya kohlwaywa kuphela ngentlawulo ngokurhoxisa inxenye okanye iyonke.
Abatyalomali abaphakathi: umngcipheko othile
Kule klasi yeeprofayili, sele bekwimeko yokuthatha umngcipheko omncinci, kodwa ngaphandle kovuyo olugqithisileyo. Enye yeemodeli ezihlangabezana noko kulindelweyo kuncinci yimali efanayo, kodwa kuzo ingxubevange yomvuzo olinganiselweyo. Apho utyalo-mali lunokwahluka kunye nezinye ii-asethi eziyimali, nokuba zivela kwiimalike ze-equity, nangona zinepesenti engabekiyo. Unemali ezininzi ezinezi mpawu kwaye ziyilelwe ngabaphathi belizwe nakwamanye amazwe.
Ngaphandle kokuba imveliso iyimida emngciphekweni, oko akuthethi ukuba ungaphulukana nemali ngokuthatha izikhundla. Kungenxa yokuba enokuthi ivelise imbuyekezo engeyiyo, nangona ngandlela ithile ilawulwa luhlobo lotyalo mali olo. Owona mqobo uphambili wale mali yotyalo-mali kukuba babonelela ngeekhomishini ezinokufikelela ukuya kuthi ga kwi-1,50% yemali ekhoyo. Phezulu kunasekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya kwaye efuna ulwazi lwangaphambili kwicala lakho ukuze ungathathi naziphi na ezinye izinto ezingalindelekanga ukusukela ngoku.
Umtyalomali onochuku, umngcipheko ongaphezulu
Njengoko kusengqiqweni ukuqonda ukuba kule klasi yabatyali mali umngcipheko ukhula ngokuqhubekayo. Ukulungiselela ukuphucula imbuyekezo kulondolozo olutyaliweyo kwaye oko kukhokelele ekubeni ubhence ngakumbi kwizikhundla zakho. Ke, kule meko kuya kufuneka uye kwiimarike zokulingana kwaye apho ukuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya kuyimveliso yotyalo-mali ngokugqwesa. Lutyalomali olujikelezayo kuba eyona ndlela yokusebenza kwayo iyenzeka amaxesha abanzi oqoqosho. Ngelixa ngokuchaseneyo, kumanqanaba aphindaphindiweyo kuthanda ukuba amaxabiso ayo ehle, kwezinye iimeko ngamandla amakhulu kwaye apho ungalahla khona isiqingatha semali oyityalileyo.
Ngakolunye uhlangothi, unokumodareyitha utyalo-mali kwimarike yemasheya ukuba unayo kwixesha eliphakathi nelide, kulapho imingcipheko ekusebenzeni incinci. Ngelixa kwelinye icala, ikuvumela ukuba ube ukuhlawulwa ngokupheleleyo malunga nezikhundla ezivulekileyo kuba ungaphuma kwaye ungene kwiimarike zokulingana nanini na ufuna. Ngeekhomishini eziza kusekelwa kutyalo-mali, kodwa ngokubanzi kufutshane nee-euro ezingama-30 zotyalo-mali olumalunga ne-5.000 euro. Ukunyuka ngokuqhubekayo njengoko utyalomali lunamandla ngakumbi ngokwembono yemali.
Imisebenzi engakumbi
Abatyalomali abancinci nabaphakathi abanesimo esinoburharha ngakumbi kwaye abanomnqweno wokuthatha umngcipheko ukuze bafumane iincutshe ezibalaseleyo zibekwe kwelinye inyathelo. Abakhathali ngomngcipheko ekusebenzeni, kodwa ngokuchaseneyo into abayifunayo kukufumana iziphumo ezingcono kwiintshukumo ezivulekileyo kulo naluphi na uhlobo lweemarike zezemali. Ngale ndlela, zininzi iimveliso ezinokuthi zithathe isikhundla ngendlela efanelekileyo kwimidla yabathengisi. Umzekelo ungamelwa yimali yotyalo-mali kwi Amashishini alinganayo okanye amazwe asahlumayo. Yeyiphi apho umvuzo ophakamileyo unokufezekiswa, nangona ngexabiso lokuphakamisa umngcipheko kwiindawo eziphakamileyo ezingathelekisekiyo.
Enye yeemveliso ezinobundlobongela ngokugqwesa ngokungathandabuzekiyo ziimvume. Kule meko, ngumbuzo weemveliso ezivela kwimali ezibonakaliswa ngokuxoxisana ngendlela yokhuseleko enikezela umniniyo ilungelo, kodwa ingekho isibophelelo, sokuthenga okanye ukuthengisa isixa esithile seasethi. Ngokusebenzisa izikhundla ezaziwa njenge fowuna ubeke, ngokulandelelana kwaye ezinokuhlengahlengiswa kwiimfuno zotyalo-mali zabanini bazo. Kuyinyani ukuba unokufumana imali ngaphezulu kwezinye iifom zotyalo-mali, kodwa ngenxa yezizathu ezifanayo awunakushiya ii-euro ezininzi endleleni. Bajolise kuphela kubatyali mali ababonelela ngolwazi olubanzi lwezezimali kunye nemfundo ephezulu kwimisebenzi yabo.
Uqikelelo oluchanekileyo nolunzima
Ukuba okokugqibela, into oyifunayo kukucofa itafile kwaye ulawule imali enkulu enkulu, unokhetho lwe Iimali zenyani okanye i-cryptocurrensets. Kodwa kule meko, umngcipheko awusekho phantsi kolawulo kuba ubuninzi, apho ungaphulukana nayo yonke into oyityalileyo, kunokuba iphindwe kabini okanye iphindwe kathathu kutyalo-mali lwakho lokuqala. Kulunge kakhulu ukuba uyazi ukuba awujonganga notyalo-mali oza kulusebenzisa, kodwa endaweni yoko uqikelelo ukuya kuthi xhaxhe kwintengiso yezemali ebonakaliswa kukungazinzi okugqithisileyo kulungelelwaniso lwamaxabiso alo. Apho kungekho namnye kwiiprofayili ezichazwe ngaphambili engena kwizikhundla zabo kwaye oko kuchaza eyona nto ubeka umngcipheko kuyo xa ungena kwezi ndawo zorhwebo.
Yiyo le into eyenzekayo ngolunye lotyalomali olusefashonini phakathi kwabalindeli, i-bitcoins okanye ezinye iimali ezineempawu ezifanayo. Ngeendlela ezahlukeneyo amaqonga ezemali evumela ukuba kuthathwe izikhundla kwezi zinto zikhethekileyo zeasethi. Kodwa olu tyalo-mali lunokuhanjiswa ngeemveliso ezivela kwezinye, eziyimodeli entsonkothileyo kakhulu kwaye zingenalo ulwazi lwabatyali mali abancinci abancinci nabaphakathi. Ayilolize, kuya kufuneka uyazi ukuba usebenza njani nezi mveliso kuba ukuba awukwazi ukushiya imali eninzi kwizikhundla. Ukongeza, kubalulekile ukuba ukungena kunye nokuphuma kwamaxabiso kulungelelaniswe ukulungiselela ukuphucula iziphumo zokugqibela.
Ngelixa okokugqibela, kuhlala kukho ubutyebi bokukhetha kwimarike yotshintshiselwano lwangaphandle. Iyaguquguquka kwaye unokukhetha iimali ezininzi: idola, iFranc yesiFrentshi, i-krone yaseNorway okanye i-yen yaseJapan. Kodwa ayisiyonto ilula njengokuba inokubonakala ekuqaleni. Ukuba akunjalo, ngokuchaseneyo, kufuna ubuchwephesha obuninzi kwiintshukumo ukusukela oko uguquko luhlala luhleli kwaye zihlala zinokungazinzi okuninzi. Ukuza kuthi ga kwinqanaba lokuba uzakufuna amava amaninzi ukuze uthembele kule ndlela yotyalo-mali. Nangona iyinto encinci okanye engaphantsi kwesiqhelo eyinto ekhoyo ebomini.