Umxube womzekelo wale njongo: Ilungelelene
- Imali kunye neediphozithi 10%
- Iibhondi 40%
- Izabelo 50%
Umzekeliso wendlela abantu abadla ngayo ukwahlula imali kwinjongo enjalo kunye nexesha elimiselweyo - hayi isincomo.
Ingxowa-mali yongxamiseko idla ngokugcinwa ikhuselekile kwaye kulula ukuyifikelela-kwi-akhawunti yokonga okanye idiphozithi-kuba ungayifuna nangaluphi na usuku. Umgaqo oqhelekileyo weenyanga ezi-3-6 zeendleko ezibalulekileyo.
Imali efunekayo ngomhla owaziwayo idla ngokusiwa kwiindawo ezinomngcipheko ophantsi njengoko umhla usondela, ngoko ke ukuhla kwemarike phambi kokuba intengo ingonakalisi isicwangciso.
Kwidiphozithi yekhaya umhla ubalulekile: ukuba uceba ukuthenga kwiminyaka embalwa, ukuhla kwexabiso kunokulibazisa ukuthenga. Abantu bahlala benciphisa umngcipheko njengoko ukuthenga kusondela.
Kwiminyaka emininzi ezayo, ukuhla kwexesha elifutshane kuncinci, kwaye ixesha elide izitokhwe ziye zakhula ngokukhawuleza kunokunyuka kwamaxabiso - kodwa akukho ziqinisekiso, kwaye abantu abaninzi banciphisa umngcipheko njengoko kusondela kumhlalaphantsi.
Ukukhula kwexesha elide, ixesha elimisiweyo kunye nokunyamezela kwakho amahla ndinyuka kubaluleke kakhulu. Ukusasaza imali kulo lonke utyalo-mali oluninzi kunye nokugcina imirhumo iphantsi zizinto ozilawulayo.
Ukuba iimbuyekezo zivela ngokwahlukileyo
Imbuyekezo yokwenyani ayisoze igudiswe: eminye iminyaka ayilunganga. Uluhlu lubonisa ukuba isiphumo sixhomekeke kangakanani ekucingeni.
Imixube yomzekelo xa ithelekiswa
| Umzekelo | Imali / iibhondi / izitokhwe,% | Ukubuya okucingelwayo | Ingakhula ibe | Kwimali yanamhlanje |
|---|---|---|---|---|
| Imali kunye neediphozithi | 100 / 0 / 0 | 2% | 74 362 | 51 345 |
| Lumka | 20 / 60 / 20 | 3.5% | 85 343 | 58 926 |
| Ilungelelene | 10 / 40 / 50 | 5% | 98 420 | 67 955 |
| Ukukhula | 5 / 15 / 80 | 6.5% | 114 033 | 78 736 |
Imbuyekezo ephezulu ecingelwayo iza nokuhla okukhulu kunye nokuhla rhoqo endleleni. Iingqikelelo ziyimizekeliso yexesha elide, hayi izithembiso.
Ngaphambi kokuba utyale imali
- Yakha ingxowa-mali engxamisekileyo kuqala - iinyanga ezi-3 ukuya kwezi-6 zeendleko eziyimfuneko kwi-akhawunti ekulula ukufikelela kuyo.
- Hlawula ityala elinexabiso eliphezulu elifana namakhadi okuthenga ngetyala: inzala yalo idla ngokuba phezulu kunayo nayiphi na imbuyekezo yotyalo-mali olunokwenzeka.
- Jonga ukuba ilizwe lakho libonelela ngantoni: abaninzi banemali yokonga okanye yomhlalaphantsi ehlawulelwa irhafu, yaye abanye abaqeshi bongeza imali kwiminikelo yakho.
- Sasaza imali yakho: inkampani enye, ingqekembe okanye ipropathi inokuwela kakhulu iyodwa, kwaye iyantlukwano ebanzi iyawuthoba loo mngcipheko.
- Gcina imirhumo ephantsi kwaye ucinge ixesha elide: umrhumo we-1% wonyaka uthatha isabelo esikhulu sokukhula kumashumi eminyaka.
Athetha ukuthini amagama
Imali kunye neediphozithi. Iiakhawunti zogcino kunye neediphozithi. Umngcipheko ophantsi kwaye kulula ukufikelela kuwo, kodwa ekuhambeni kwexesha inzala isoloko ihambelana nokunyuka kwamaxabiso.
Iibhondi. Iimali-mboleko koorhulumente okanye iinkampani ezihlawula inzala. Idla ngokuzinza kunezitokhwe, kodwa amaxabiso azo ahamba nenzala kwaye lowo ubolekayo unokusilela.
Izabelo. Izabelo kwiinkampani, ezihlala zibanjwa ngeemali. Ngokwembali ukukhula okuphezulu kwexesha elide, kodwa ngamathontsi anzulu - ngamanye amaxesha ama-30-50% - okunokuthatha iminyaka ukuchacha.
Iimpawu ezilumkisayo zorhwaphilizo
Imbuyekezo ephezulu eqinisekisiweyo, uxinzelelo lokugqiba ngokukhawuleza, izicelo zokuhlawula kwi-crypto okanye amakhadi esipho, kunye "nabaphathi be-akhawunti" abaqhagamshelana nawe kuqala zibonakaliso zakudala zobuqhetseba botyalo-mali. Khangela ukuba nabani na onikezela ngotyalo-mali unikwe ilayisenisi ngumlawuli wezemali welizwe lakho.
Hayi ingcebiso yemali. Yonke into ekweli phepha yimfundo ngokubanzi esekwe kuqikelelo olulawulayo. Ayilotyalo-mali, irhafu okanye ingcebiso yezomthetho kwaye ayilulo unikezelo okanye isindululo sayo nayiphi na imveliso yezemali. Imbuyekezo yangaphambili ayiqinisekisi iziphumo zexesha elizayo, kwaye utyalo-mali lunokulahlekelwa lixabiso. Ngesigqibo esihambelana nemeko yakho, thetha nomcebisi wezezimali onelayisenisi. I-Bazeta ayithengisi iimveliso zemali.