Qaphela lapho otshala khona imali yakho
Enye yezinto eziba semqoka uma uthatha isinqumo ngohlu lwezabelo ongatshala kuzona imali kuyaye kube ukubhekisisa izinhlobo ezahlukene zezabelo. Lokhu kwelekelela ekutheni uqoke izabelo ezilungele izifiso zakho.
Inzuzo oyithola ezabelweni incike ikakhulukazi ekutheni ukhethe ziphi izinhlobo zezabelo. Izinga lobungozi, inzuzo kanye nokuqukethwe ilezo zabelo kwehlukile. Lapha sichaza ngezabelo noma izindlela zokutshala ezahlukene.
Izindlela zokutshala ezisemqoka
Izabelo: Abantu abaningi bathenga amasheya ezinkampanini ezibhalise ngaphansi kwendawo yokuthengelana amasheya okanye iJohannesburg Stock Exchange (JSE). Ngokuthenga amasheya, ukwazi ukuthi uthenge ingxenye yenkampani okukunika ithuba lokuthi uthole inzuzo eyenziwa inkampani isheya ngalinye. Inzuzo oyenzayo iba imali ekhokhwa inkampani uma yenze inzuzo noma isheya linyukelwa intengo. Ukutshala imali ngokuthenga amasheya kuthathwa njengendlela engcono nephephile yokwenza inzuzo emuva kwesikhathi eside kanti ikhulisa nemali oyenzayo.
Kubalulekile ukuthi wazi esikhathini esifushane ukuthi intengo yemali oyitshale emasheyeni ingehla futhi yenyuke izikhathi eziningi. Kanti intengo yesheya noma inzuzo ekhokhwa isheya ingaguquka. Lokhu kulele ekutheni inkampani othenge kuyona amasheya yenze kanjani kwezezimali. Kumele ugculiseke ngokuthi iqhuba kanjani inkampani ogcina ngokuthenga kuyona amasheya.
IMoney Market: Imali ewukheshi imbandakanya yonke imali oyifaka esikhwameni sebhange okanye kuzabelo ngenhloso yokuthola inzalo ekuhambeni kwesikhathi. Ukutshala imali kunezinga eliphansi lobungozi kanti kuthathwa njengendlela ephephe kakhulu ohlwini lwezabelo. Imali ivamise ukukhiqiza inzuzo ongathembela kuyona uma kuqhathaniswa namasheya yize inzuzo ingahle ingabi phezulu. Izindlela ezisetshenziswa ukutshala imali kuyaye kube yizikhwama ezibizwa ngefixed deposit account, imoney market account nemoney market unit trusts.
Imali ewukheshi njengohlobo lwesabelo inobungozi ngokuthi amandla emali angehla ngenxa yokwehla nokwenyuka kwamandla emali. Lokhu kwenzeka uma utshalomali lwakho lungakhuli ngenxa yokwehla nokwenyuka kwamandla imali. Utshalomali lwakho lungahle lungakwazi ukuthenga imikhiqizo nezinsiza esikhathini esizayo.
AmaBhondi: Ayimali ebolekiwe, iba yisikweletu esijwayelekile. Akhishwa uHulumeni okanye inkampani efuna ukuboleka imali kanti ibizwa ngesabelo esinenzalo engaguquki. Uma uthenga amabhondi kuHulumeni noma ezinkampanini ezizimele, usuke uboleka uHulumeni noma izinkampani ezizimele imali ekukhokhela inzalo uma amabhondi esevuthiwe.
Inzuzo oyithola kumabhondi ivela enzalweni ekhokhwa uHulumeni noma inkampani osuke uthenge kuyo amabhondi kanti nokushintsha kwentengo yebhondi kuyaba nomthelela wenzalo oyitholayo.
Izinguquko enzalweni yemali ebolekiwe zinomkhulu umthelela entengweni yebhondi.
Ukwehla nokwenyuka kwentengo yamabhondi kuvamisile ukubancane uma kuqhathaniswa neyamasheya. Amabhondi ajwayele ukuletha imali kaningana kunamasheya yize inzuzo iyaye ibe ncane.
Izakhiwo: Ukutshala imali ezakhiweni kugxile kakhulu ezakhiweni zohwebo. Lokhu kusho ukuthi uthenga isabelo ezakhiweni eziningi. Lezi zakhiwo zingaba amahhovisi, inxanxathela yezitolo noma izakhiwo zemboni.
Ukutshala imali ezakhiweni kungakhulisa imali ngezindlela ezimbili. Ngenxa yokwenyuka kwentengo yezakhiwo nemali ekhokhwa abantu abaqashe kuzona, intengo yesakhiwo iyaye yehle noma yenyuke ekuhambeni kwesikhathi, uma abantu abaqashile besishiya isakhiwo kuba nomthelela enzuzweni eyenziwayo kubantu abaqashe esakhiweni kanye nezinye izinhlobo zezabelo.
Lena yindlela yokutshala imali isikhathi eside kanti inobungozi obuphezulu kunezinye izabelo.
Ukuthenga izabelo ezahlukene kuletha ukuthula nokuphepha
Ukuba nezabelo ezahlukene lapho utshala khona imali kungakusiza wehlise ubungozi botshalomali lwakho. Kubalulekile ukwazi ukuthi yiluphi uhlobo lwezabelo otshale kulona imali ukuze ukwazi ukubona ukuthi ngabe lezo zabelo zizozifeza yini izinjongo zakho. Umeluleki wakho wezezimali angaqapha aphinde abuyekeze uhlu lwakho lwezabelo otshale kuzona imali emuva kwesikhathi bese enza izinguquku uma kunesidingo.
Injobo enhle ithungelwa ebandla nina beSILO.