Ukutshalwa kwezimali nokutshalwa kwezimali - kuyini nokuthi yiziphi izinhlobo zotshalo-mali + TOP-9 izindlela lapho futhi ungatshala khona imali kumtshalizimali osanda kuqala

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Ntambama, bafundi abathandekayo be-Ideas for Life umagazini wezezimali! Namuhla sizokhuluma ngokutshala imali. Sizokutshela ukuthi kuyini nokuthi yiziphi izinhlobo zotshalomali ezikhona, ungaqala kuphi nokuthi ungatshala imali kuphi.

Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!

Kule ndatshana uzofunda:

Kuyini ukutshalwa kwezimali nokuthi ziyini izinzuzo zayo;
Yiziphi izinhlobo ezivame kakhulu zokutshalwa kwezimali;
Yiziphi izinzuzo nezinkinga zokutshalwa kwezimali kwangasese;
Yiziphi izinyathelo okufanele uzithathe ukuqala ukutshala imali;
Yiziphi izindlela zokutshala izimali zomuntu siqu ezikhona.

Ekugcineni uzothola amathiphu nezeluleko kubatshalizimali be-novice, kanye nezimpendulo zemibuzo ebuzwa njalo.

I-athikili izoba wusizo kuwo wonke umuntu onentshisekelo ekutshalweni kwemali. Bobabili abaqalayo emkhakheni wokutshala imali nalabo asebevele benolwazi bazitholela imininingwane ewusizo.

Sikukwazisa ukuthi ungachithi umzuzu bese uqala ukufunda ngokushesha okukhulu.

Kuyini ukutshala imali nokuthi yiziphi izinhlobo zotshalo-mali ezikhona, lapho ungaqala khona nokuthi ungatshala kanjani ngendlela efanele, lapho kungcono ukutshala imali yakho - uzofunda ngalokhu hhayi ngokufunda i-athikili kuze kube sekugcineni.

1. Yini ukutshalwa kwezimali ngamagama alula futhi kwenzeleni 📈

Akuwona wonke umuntu oqondayo ukuthi wonke umuntu ubambe iqhaza ekutshaleni imali emhlabeni wanamuhla. Eqinisweni, ngisho nemfundo iyona uhlobo olukhethekile lokutshala imali, ngoba lokhu kungumnikelo nekusasa, ngoba yimfundo esezingeni eliphakeme ezosiza ekutholeni umsebenzi omuhle ngeholo elifanele.

Ngokwesibonelo, isimiso esifanayo siyasebenza nakwezemidlalo. Ngokuzivocavoca njalo, umuntu wenza umnikelo ebuhleni nasempilweni. Uma engumdlali osezingeni elifanele, iseshini ngayinye yokuqeqesha iwukutshala imali ekunqobeni okuzayo.

Ngakho-ke, ukutshala imali kukhombisa umthetho obaluleke kakhulu empilweni yomuntu. Ufundeka kanje: akunakwenzeka ukuthola lutho ngokuzayo uma kungenziwa lutho ngalokhu okwamanje.

Ukusuka lapha singathola incazelo eyinhloko yokutshalwa kwemali: amele ukutshalwa kwezimali ngokwengqondo, ngokwezimali, ngezinto ezibonakalayo, okuzoholela esikhathini esizayo ekungeniseni imali esikhathini esifushane noma eside.

Ngeshwa, eRussia, kanye nasemazweni ase-USSR yangaphambili, ileveli yokufunda ngezimali isezingeni eliphansi impela. Umphumela uba ukungabi nalwazi olufanele mayelana namathuba okutshalwa kwezimali.

Izakhamizi eziningi zakulesi sifunda zikholelwa ukuthi izikhungo zezikweletu kuphela, izinhlaka zikahulumeni nezinkampani ezinkulu ezingahlanganyela emisebenzini yokutshala imali.

Kukhona futhi nombono wokuthi ngabantu abacebile kuphela abangenza imali ngokutshalwa kwemali phakathi kwabantu. Eqinisweni, wonke umuntu angazibandakanya ekutshaleni imali. Ukuze wenze lokhu, kwanele ukuba nesifiso, kanye nokuqeqeshwa kwe-theory kanye nokusebenza.

Okokuqala, kufanelekile ukuhlola umqondo wokutshala imali... Leli gama livela esiLatini e-vestio, okusho ukuthi ingubo... Akucaci ngokuphelele ukuthi la magama ahlobene kanjani.

Ukutshala imali ngomqondo wezomnotho kunezincazelo eziningana. Sizonikeza okulula ukuqondakala.

Ukutshalwa kwezimali - lokhu kungukutshalwa kwezimali kwimpahla ehlukahlukene ephathekayo nengaphatheki ngenxa yokwengezwa kwayo.

Ukutshalwa kwemali kwenziwa emikhakheni ehlukahlukene yezomnotho, kanye nasempilweni yezenhlalo neyengqondo yabantu.

Izinhloso zokutshalwa kwemali, okungukuthi, impahla lapho imali itshalwe khona, kungaba:

izimali ezivela emazweni ahlukene;
izinhlobo ezahlukahlukene zokuphepha;
izinto ezithengiswayo
imishini;
izinto zempahla yengqondo.

Endabeni yokutshalwa kwezimali, kutshalwa imali kanye. Ngemuva kwalokho, ngokuhamba kwesikhathi, ungathembela kunzuzo engaguquguquki.

Ukutshala imali kusiza ukunqoba umthetho oyisisekelo wezomnotho. Ithi lowo ogcina imali ekhaya, inani labo lihlala lincipha njalo.

Iqiniso ngukuthi amandla okuthenga emali etholakalayo ahlala njalo futhi ngokungenakugwemeka. Lokhu kuholela ukwehla kwamandla emali, ahlukahlukene izinkinga zomnotho, futhi ukwehla ngamandla.

Ngakho kulandela okubaluleke kakhulu umgomo wanoma yikuphi ukutshalwa kwezimali, okuqukethe hhayi kuphela ukulondolozwa, kodwa futhi nokwanda okuqhubekayo kwemali eyinhloko.

2. Ziyini izinzuzo zokutshala imali? 📑

Kungenzeka ukuchitha ubuncane besikhathi nomzamo wokuthola imali. Le nketho yokwenza imali ibizwa ngokuthi imali engenayo. Kukule ndlela yokuhola lapho bonke abantu abanele belwela. Ikakhulukazi kuyakhathaza osomabhizinisi, futhi abenzi bemali, okungukuthi, abantu abathola imali nge-Intanethi.

Enye yezindlela zemiholo engenziwanga yile ukutshala imali kunoma yiziphi izindawo ezinenzuzo... Ngamanye amagama, utshalomali oluyimpumelelo lukuvumela ukuthi uthembe iqiniso lokuthi ekugcineni ungafinyelela enhlosweni enkulu yanoma imuphi umuntu onengqondo, okungukuchitha isikhathi esincane ngangokunokwenzeka ekuholeni imali.

Kuvela ukuthi umuntu uzoba nethuba lokwenza okulungele yena. Ekugcineni, utshalomali oluyimpumelelo luzoholela eqinisweni lokuthi ngeke sibe khona isidingo sokuya emsebenzini nsuku zonke futhi usebenzise isikhathi sakho esiningi uqinisekisa impilo ehloniphekile wena nomndeni wakho.

Esikhundleni sendoda uqobo inhlokodolobha yakhe izosebenza, umtshalizimali kuzodingeka athole inzuzo ejwayelekile futhi ezinzile.

Eziningi zalezi zitatimende zinjalo ngokungabaza... Lokhu kuyaqondakala, uma kubhekwa ukuthi ezombusazwe nezomnotho ezweni lethu azizinzile kakhulu. Kepha kunengqondo ukuyeka ukungabaza, kungcono ukuhlola ngokucophelela amathuba avulekayo.

Kubalulekile ukukhumbulaukuthi abantu abangazethembi emandleni abo abasoze bakwazi ukuqeda ukuswela imali, kanye nejoka elisindayo lesisebenzi.

Abantu abaningi bayazibuza ukuthi kungani umuntu ekwazi ukuceba, kanti abanye abakwazi ukuphuma emgodini wesikweletu. Iphuzu alikho nhlobo ngethalente elikhona, ukusebenza kahle okuphezulu, imibono emihle yebhizinisi. Empeleni, konke kuxhomeke ekutheni abanye abantu bayazi ukuthi bangazisebenzisa kanjani kahle izimali zabo, kanti abanye abakwazi.

Ngisho nalabo abanezimpahla ezifanayo zokuqala bangagcina babuyiselwe okuhluke ngokuphelele. Lokhu kungenxa yokwehluka okwedlulele kwesimo sengqondo ngezinto, kanye nezinsiza zomuntu siqu.

Ngakho-ke, impumelelo ingafinyelelwa kuphela uma izimpahla ezitholakalayo ziqondiswe kahle, ngamanye amazwi, zitshaliwe.

Bese ukhumbulaukuthi lokho okushiwoyo akusebenzi kuphela emalini nasenkampanini, kodwa futhi nakumakhono engqondo, amandla, kanye nesikhathi.

Ukutshalwa kwemali okuhle nokunenzuzo kuletha izinzuzo ezilandelayo empilweni:

inzuzo engaxhomeki ezindlekweni zesikhathi;
ukuzimela kwezezimali;
isikhathi samahhala semisebenzi yomndeni, ukuzilibazisa, ukuhamba nezinye izinto;
ikusasa elizinzile ongaqiniseka ngalo.

Ngokutshala imali ngokuhlakanipha, ungakhohlwa ngesidingo sokuchitha isikhathi esiningi ukuhlangabezana nezidingo zakho. Ungalindeli ukuthi akukho lutho okuzodingeka lwenziwe, kuzodingeka funda, hlaziya, futhi ukuzibeka engozini.

Noma kunjalo, kungekudala, leyo mizamo izonikeza okuhle umphumela... Njengoba kungaba njalo inzuzo ezinzile... Ekuqaleni, cishe kuzoba yimali engenayo eyengeziwe kuphela, kepha kancane kancane izokwazi ukuba okuyinhloko.

Ngaphezu kwalokho, kuzotholwa ulwazi oluyigugu kunqubo yokutshalwa kwezimali. Nakanjani izosiza ngokuzayo, noma ngabe ungaphumeleli ukwenza imali eningi. Ngendlela, kwesinye sezindatshana sibhale ukuthi ungayenza kanjani imali ngaphandle kokutshala imali.

Ukuhlukaniswa kwamafomu nezinhlobo zotshalo-mali

3. Izinhlobo eziyinhloko zokutshalwa kwemali nokuhlukaniswa kwazo 📊

Ukutshalwa kwezimali kuhlukile. Inani elikhulu lezinhlobo zabo lingahlukaniswa. Ngaphezu kwalokho, ngamunye wabo unezici ezihlukile.

Izinhlobonhlobo zemibandela ngokusho kwezimali ezingachazwa ziholela ekubeni khona kwenani elikhulu lokuhlukaniswa. Sizokhuluma ngakho ezinhlanu eziyisisekelo.

Uhlobo 1. Kuya ngento yokutshala imali

Esinye sezici ezibaluleke kakhulu zotshalo-mali yinto lapho izimali zitshalwa khona.

Ukuhlukaniswa okulandelayo kusekelwe kulesi sici:

Ukutshalwa kwemali okuqagelayo kusho ukutholwa kwempahla (izibambiso, imali yakwamanye amazwe, izinsimbi eziyigugu) ekuthengisweni kwayo okulandelayo ngemuva kokukhushulwa kwenani.
Ukutshalwa kwezimali - Ukutshalwa kwemali kwezinsimbi ezahlukahlukene zezezimali. Imvamisa, ngale njongo, kusetshenziswa ukuphepha, ama-akhawunti we-PAMM, kanye nezimali ezihlanganyelanayo.
Ukutshalwa kwemali eVenture - Ukutshalwa kwezimali ezinkampanini ezethembisayo, ezikhulayo, ezivame ukudala izinkampani. Kulokhu, kulindeleke ukuthi baqale ukwenza inzuzo enkulu ngokuzayo. Funda kabanzi mayelana nokutshalwa kwemali kokuzibandakanya ku-athikili ehlukile kumagazini wethu.
Ukutshalwa kwemali kwangempela kusho ukutshalwa kwezimali ngezindlela ezahlukahlukene zedolobha langempela. Lokhu kungaba ukutholwa kwesiza somhlaba, ukutshalwa kwezimali ekwakhiweni, ukuthengwa kwebhizinisi elenziwe selilungile, amalungelo obunikazi, amalayisense.

Uhlobo 2. Ngezikhathi zokutshala imali

Kubatshalizimali, kubaluleke kakhulu ngasiphi isikhathi imali yabo ezonqunyelwe ekusebenziseni kwabo. Ngamanye amagama, leli gama libalulekile, okungukuthi, isikhathi imali ezotshalwa ngaso.

Ngokuya ngalesi sici, izinhlobo ezilandelayo zokutshalwa kwemali ziyahlukaniswa:

isikhathi esifushanelapho isikhathi sokutshala imali singeqi onyakeni;
phakathi nonyaka - izimali iminyaka 1-5;
isikhati eside - imali izotshalwa iminyaka engaphezu kwengu-5.

Iqembu elihlukile nalo lingahlukaniswa utshalomali lwempeshenilokho kungenziwa nganoma yisiphi isikhathi. Ngaphezu kwalokho, inzuzo evela kubo iza ngezikhathi ezithile.

Isibonelo esivelele yilezi imali yasebhange ngokudluliswa kwenyanga kwenzalo kwi-akhawunti ehlukile.

Thayipha 3. Kuya ngohlobo lobunikazi

Uma sicabangela ibhizinisi elitshala imali njengemigomo yokuhlukaniswa, singakhetha:

utshalomali oluzimele - izimali zenziwa ngumuntu ngamunye;
owangaphandle - izimali zitshalwa yizakhamizi nezinkampani zakwamanye amazwe;
utshalomali lomphakathi - isihloko yizindikimba zombuso ezahlukahlukene.

Kunezimo lapho kungeyona yonke imali etshaliwe engaphansi kwebhizinisi elilodwa. Kulokhu, bakhuluma ngakho kuhlangene noma kuxutshwe utshalomali.

Ngokwesibonelo, ingxenye yemali etshalwe imali ngekahulumeni, enye - eyomtshalizimali wangasese.

Uhlobo 4. Ngezinga lobungozi

Enye yezinkomba ezibaluleke kakhulu kunoma yikuphi ukutshalwa kwezimali yizinga lobungozi. Ngokwesiko, kuncike ngqo kunzuzo. Ngamanye amazwi, uma ingozi iba nkulu, insimbi yokutshala imali izoletha inzuzo ethe xaxa.

Konke ukutshalwa kwezimali kuhlukaniswe ngamaqembu amathathu kuya ngezinga lobungozi (kuhlelwe ngokunyuka kwezinga lobungozi):

olandelanayo;
utshalomali olunobungozi obulinganiselayo;
utshalomali olunolaka.

Ngaphandle kokuthi kukhona abatshalizimali abathi, ekuzameni ukuthola inzuzo ephezulu, bavume ukuthi ukutshalwa kwemali kwabo kuvezwe engcupheni enkulu, iningi labo lisakugwema ukutshalwa kwezimali okuyingozi kakhulu. Kuphathelene nokuthi kanjani newbiesfuthi abatshalizimali abanolwazi.

Isixazululo senkinga kungaba ukwehluka, okuthi, yize kungasizi ukuqeda ngokuphelele ubungozi, kunganciphisa kakhulu. Ukwehlukaniswa kuqondwa njengokwabiwa kwemali ephakathi kwezinhlobo eziningana zotshalomali.

Uhlobo 5. Ngenhloso yokutshala imali

Ngokuya ngenhloso ehlosiwe, lezi zinhlobo ezilandelayo zokutshalwa kwemali zihlukaniswa ngokwesiko:

izimali eziqondile Kusho ukutshalwa kwezimali okukhulu emkhakheni wezinto zokukhiqiza, ukuthengiswa kwezimpahla nezinsizakalo, umtshali zimali uvamise ukuthola ingxenye yenhlokodolobha egunyaziwe yenkampani, okungenani eyi-10%;
iphothifoliyo kufaka phakathi ukutshalwa kwezimali kwizibambiso ezahlukahlukene (imvamisa amasheya namabhondi), ukuphathwa kokutshalwa kwemali okusebenzayo akulindelekile;
enobuhlakani ukubandakanya ukutshalwa kwezimali ngabaphathi benkampani ekuqeqesheni abasebenzi, ukwenza izifundo ezahlukahlukene nokuqeqesha;
izimali ezingezona ezezimali - imali itshalwa kumaphrojekthi ahlukahlukene (okokusebenza, imishini), kanye namalungelo namalayisense.

Ngakho-ke, kunezigaba eziningana zokutshalwa kwezimali, kuya ngezindlela ezahlukahlukene.

Ngenxa yezinhlobonhlobo zezinhlobo, umtshali-zimali ngamunye angakhetha uhlobo lotshalo-mali olulungele yena.

4. Ubuhle nobubi bokutshalwa kwezimali kwangasese 💡

Njenganoma iyiphi enye inqubo yezomnotho, ukutshalwa kwezimali kwangasese kunakho buhle futhi ama-minus... Kubalulekile ukuthi uzifunde ngokucophelela ngaphambi kokuqala noma yikuphi ukutshalwa kwezimali. Lokhu kuzosiza ukuqhubeka nokwenza ngcono inqubo.

Izinzuzo (+) zokutshalwa kwezimali kwangasese

Izinzuzo zokutshalwa kwezimali kwangasese zifaka:

Ukutshala imali kungenye yezinhlobo zemali engenayo.Lena inzuzo ebaluleke kakhulu yokutshala imali. Kungenxa ye- imali engenayo abantu abaningi baqala ukutshala imali. Umtshalizimali usebenzisa isikhathi esincane kakhulu nomzamo wokuthola inani elilinganayo lemali kunalowo osebenza ngenkuthalo njengesisebenzi.
Inqubo yokutshala imali iyathakazelisa kakhulu futhi iyasiza nokufunda izinto ezintsha.Ukuqwashiswa komsebenzi wokutshala imali kuzokhula ulwazi lwezezimali, ukuthola ulwazi ngezinsimbi ezahlukahlukene zokutshala imali. Ngasikhathi sinye, umsebenzi wendabuko wamaholo uyisidina, yingakho-ke uzondwa. Mayelana nalokhu, inzuzo yokutshalwa kwezimali ibaluleke kakhulu.
Ukutshala imali kukuvumela ukuthi uhlukanise imali engenayo.Ngokwesiko, umuntu ngamunye uthola imali emthonjeni owodwa - inkokhelo kumqashi noma umhlalaphansi... Kaningi, kungezwe imithombo eyodwa noma emibili, isibonelo, imali engenayo yokuqasha ifulethi... Ngasikhathi sinye, ukutshala imali kukuvumela ukuthi usabalalise imali ephakathi kwenani elingenamkhawulo lamafa, okuzokwenza ukuthi kutholakale imali engenayo evela emithonjeni ehlukahlukene. Ngenxa yale ndlela, ungakhuphula kakhulu ukuphepha kwesabelomali sakho noma somndeni. Kuvela ukuthi uma kwenzeka ukulahleka kwemali evela komunye umthombo, izimali zizoqhubeka nokugeleza zisuka kwezinye.
Ukutshala imali kunikeza ithuba lokuzibona nokufeza izinhloso zakho.Ukuzijwayeza kufakazela ukuthi ngabatshalizimali abanamathuba amaningi okufeza izinhloso zabo, futhi baphumelele. Lokhu kungenxa yokuthi impela ukutshala imali kukuvumela ukuthi uzuze inhlalakahle yezinto ezibonakalayokanye nokukhulula ingxenye enkulu yesikhathi. Lesi sikhathi singasetshenziselwa umndeni, ukuzilibazisa, ukuziqhenya. Ngabatshalizimali abavame ukuba phezulu emazingeni abantu abacebe kakhulu.
Ngokombono, imali engenayo etholwe ngenqubo yokutshala imali ayinamkhawulo.Ngempela, inani lemali engenayo esebenzayo lihlala lilinganiselwe ukuthi kungakanani isikhathi nomzamo osetshenzisiwe. Ngesikhathi esifanayo, ayikho imikhawulo enjalo ngemali engenayo.Ngaphezu kwalokho, uma inqubo yokutshala imali ingakhishwa, kepha ibuyiswa kabusha, imbuyiselo yotshalo-mali izokwenyuka ngokuya ngefomula yenzalo ehlanganisiwe.

Umthengi (-) wokutshalwa kwezimali kwangasese

Yize kunenani elikhulu lezinzuzo, izimali zinezinkinga.

Phakathi kwazo kukhona okulandelayo:

Ububi obukhulu bokutshala imali buyingozi.Akunandaba ukuthi yiliphi ithuluzi lokutshala imali elizosetshenziswa, kukhona amathuba okulahlekelwa okugcwele noma okuyingxenye yenhlokodolobha etshaliwe. Vele, uma utshala imali kuzimpahla ezinokwethenjelwa, ubungozi buzoba buncane, kepha kusenjalo iyaqhubeka.
Ukutshala imali kugcwele ukucindezeleka kwemizwa.Lokhu kuyiqiniso ikakhulukazi kwabaqalayo. Imvamisa, inani lethuluzi lapho izimali ezazitshalwe khona lihamba liye kolunye uhlangothi kunalokho umtshali zimali angathanda. Ngokwemvelo, lokhu kuholela ekwakhekeni kokulahleka, noma ngabe kungokwesikhashana. Kulezi zimo, abatshalizimali bavezwa ngokungathi sína ukucindezeleka kwengqondo.
Ulwazi oluningi luyadingeka ukwenza utshalomali oluphumelelayo.Izodingeka njalo ukufunda futhi zithuthukise... Ngakolunye uhlangothi, ukutholwa kolwazi olwengeziwe kuyinkqubo ewusizo futhi akekho ozoba ngokweqile. Ngakolunye uhlangothi, lokhu kuzothatha isikhathi esiningi. Ngaphandle kwalokho, kubalulekile ukuba nesifiso nokuzikhuza, okungewona wonke umuntu onayo. Ngasikhathi sinye, ngokungabi bikho kolwazi oludingekayo, ukutshalwa kwezimali kwangasese kuba njengokuzula ebumnyameni.
Inqubo yokutshala imali kaningi ayiqinisekisi inzuzo ehlala njalo.Kunamathuluzi ambalwa kakhulu aqinisekisa imali engenayo. Imvamisa, abatshalizimali kufanele bagxile kumanani esibikezelo, angenakutholakala ngaso sonke isikhathi uma kwenzeka kuguquka esimweni semakethe. Ngaphezu kwalokho, kwesinye isikhathi ukutshalwa kwezimali kwangasese kuholela kwezemfundo ukulahlekelwa... Uma kuqhathaniswa nokutshalwa kwemali, izinketho ezahlukahlukene zokuhola okusebenzayo zinikeza iziqinisekiso eziningi zokuthola inani eliqhubekayo lemali engenayo.
Ukuze uqale ukutshala imali, udinga imali enkulu.Ngaphezu kwalokho, uma kuhlelwe ukuthi uhlale ngesizotha futhi wondle umndeni kusuka enzuzweni etholakele, inani lotshalo-mali lizoba kakhulu okuphawulekayo... Kungathatha isikhathi esiningi nomzamo ukwenza inhlokodolobha enjalo.

Ngakho-ke, ngokuqhathanisa izinzuzo futhi ukulinganiselwa utshalomali, singaphetha ngokuthi ubuhle busadlula ububi.

Vele, kukuwo wonke umuntu ukuthi anganquma ukuthi uzotshala imali yini enhlokodolobha. Kodwa-ke, sikholwa ukuthi kungcono ukutshala imali.

Okokuqala, ungasebenzisa amanani amancane nezinsimbi ezinobungozi obuncane.

Ungayitshala kanjani imali kahle ezinyathelweni ezi-5 - imiyalo yabaqalayo (ama-dummies)

5. Indlela Yokutshala Imali - Umhlahlandlela Wezinyathelo Ngezinyathelo Wokutshala Imali Wabasaqalayo 📝

Abatshalizimali abaningi be-novice bayazibuza ukuthi bazoyibeka kuphi imali yabo, nokuthi bangaqala kanjani ngempumelelo ukutshala imali. Kungakho ngokuqhubekayo esihlokweni esisinikezayo imiyalo yesinyathelo ngesinyathelo... Izosiza noma ngubani ofuna ukuthatha izinyathelo zokuqala zokutshala imali bese ngaleyo ndlela afinyelele izinhloso zakhe zezezimali.

Vele, isimo sokuqala sihlukile kumtshalizimali ngamunye. Noma kunjalo, kunemithetho ejwayelekile okufanele ilandelwe, ilusizo kuwo wonke amacala nakubo bonke abatshalizimali.

Ukuze uqale ukutshala imali, udinga ukunqoba eziyisishiyagalombili izinyathelo ezilandelanayo. Ukuze uphumelele, akufanele weqe noma iyiphi yazo.

Isinyathelo 1. Ukuhlolwa kwesimo sezezimali esivele sikhona nokuhlela kahle izimali zakho

Okokuqala, kufanele uchaze ifayela lakho le- imali engenayo... Kulokhu, kufanele kunqunywe umthombo weholo, ukuthi uvame kangakanani futhi uzinze kangakanani. Ngaphezu kwalokho, ubukhulu babo kufanele bulungiswe.

Ukuhlolwa okuqhubekayo izindleko, kufanele ziqoshwe ngama-athikili. Ngasikhathi sinye, kufanele bamake isigaba sezindleko, okungukuthi, ingabe okukodwa, njalo noma okungajwayelekile.

Into elandelayo yohlelo lwezezimali incazelo yokutholakalayo amafa... Kungaba njalo imoto, ifulethi, imali yasebhange, umhlaba futhi izindawo ezisemadolobheni, ukuphepha, amasheya enhlokodolobha egunyaziwe njll. Kubalulekile ukukhombisa inani lempahla ngayinye, kanye nenani lenzuzo evela kuyo.

Ngemuva kwalokho, kuyabalwa inzuzo yempahla ngayinye, okulingana nesilinganiso senzuzo abaletha kunani. Kungenzeka, yonke impahla noma iningi lazo liphenduke lingabi nenzuzo noma lifake izindleko ezingeziwe. Lokhu kujwayelekile kulesi sigaba.

Ngemuva kokuthi izimpahla zichazwe, kubalulekile futhi ukwenza uhlu izikweletu... Lokhu kungaba noma yiziphi izibopho - izikweletu, kufaka phakathi isibambiso, kanye nokunye izikweletuisib. izintela futhi amaphrimiyamu omshwalense.

Kulesi sigaba, kubalulekile ukuhlola inani lezindleko ezikhokhelwa izibopho ezihambisanayo njalo ngonyaka... Kuyafaneleka futhi ukuthi uhlole njengephesenti isilinganiso sezindleko kuye enanini eliphelele lezibopho.

Isabelomali manje kufanele sicatshangelwe ngokubala izilinganiso ezimbili:

Isisetshenziswa sokutshala imali - umehluko phakathi kwemali engenayo nezindleko;
Imali iyonke - umehluko phakathi kwezimpahla nezikweletu.

Ngokufanelekile, inani lenkomba yokuqala kufanele libe okungenani 10-20 amaphesenti wemali engenayo. Uma usayizi wemithombo yotshalo-mali ungakafiki kuleli nani, noma kuvele ukuthi ungaphansi kuka-zero, ngaphambi kokuqala utshalomali, kuzofanele usebenzise izindlela zokuthola kabusha isabelomali.

Ngesikhathi sokudweba nokuhlaziya uhlelo lwezezimali, kufanele uthembeke ngangokunokwenzeka, akufanele uzame ukuhlobisa isimo samanje. Kubalulekile kwisabelomali ukuchaza yonke into njengoba injalo.

Kubalulekile ukuqondaukuthi impela isabelomali esenziwe kulesi sinyathelo isisekelo uhlelo lwezezimali lwesikhathi esizayo, ngaphandle kwalo ngeke kwenzeke ukwenza uhlelo lwekhwalithi.

Ngakho-ke, umphumela wesinyathelo sokuqala kufanele kube ukuqonda kwe- ukuthi isabelomali sakho sivela kuphi, nokuthi sisetshenziswa kanjani.

Ngaphezu kwalokho, ungaqonda ukuthi isele malini imali ngemuva kokwenza izinkokhelo ezinkulu, nokuthi uzokwazi ukusinda isikhathi esingakanani uma amaresidi avela kumthombo oyinhloko wemali engenayo eyeka.

Isinyathelo 2. Ukwakha imali ebekiwe

Ukusetshenziswa uma kwenzeka izimo ezingalindelekile, kufanele udale imali ebekiwe... Kufanele kuqondwe ukuthi kubalulekile hhayi kuphela ku- okusebenzayo plan, kepha futhi ku- ngokwengqondo... Lesi siqiwu sinikeza ukuzethemba okuqinile kanye nokuzinza.

Ukwazi ukuthi umuntu unenqolobane encane yemali uma kwenzeka izimo zokuphila ezingalindelekile kwenza impilo ibe ntofontofo ngokwengqondo.

Ngenxa yalokho, imali ebekiwe imele indlela efinyelelekayo, kepha esebenza kahle kakhulu yokwenza impilo ibe ntofontofo, futhi yehlise kakhulu amazinga okuxineka.

Ngamagama asebenzayo, imali ebekiwe ihlinzeka ngemisebenzi emibili:

Ukukhokhwa kwezindleko eziphindaphindwayo esimweni lapho nganoma yisiphi isizathu umthombo oyinhloko wemali eyeka ukugcwalisa isabelomali;
Ukuxhasa ngezimali izimo eziphuthumayo ezincane - ukulungiswa kwezinto zasendlini, izinsizakalo zikadokotela nezinye izinto.

Isilondolozi sezezimali esifanelekile kufanele sikwazi ukukhokhela izindleko ezingaguquki esikhathini esilinganayo izinyanga ezintathu ngaphambi izinyanga eziyisithupha.

Indawo ebekiwe kufanele igcinwe kwimali lapho kukhokhwa khona izindleko ezinkulu. Kulokhu, kungcono ukutshala imali ebhange.

Kufanele ukhethe inhlangano yezikweletu ehlangabezana nale mibandela elandelayo:

ukubamba iqhaza ohlelweni lomshuwalense wokufaka imali ebhange;
isikhungo sezikweletu okungenani amashumi amahlanu ngokwezimpahla noma siyigatsha lenkampani enkulu yamazwe omhlaba;
indawo elula, kanye nohlelo lomsebenzi, kuzokuvumela ukuthi usebenzise izinsizakalo zebhange ngaphandle kokuchitha usuku lonke kulo.

Akufanele ukhethe ama-akhawunti wamakhadi wokuqongelela, ngoba kulokhu kunesilingo esikhulu sokusebenzisa imali hhayi njengoba kuhlelwe. Okungcono ukuvula zamanje noma i-akhawunti yokonga... Kodwa-ke, kuleli cala, inzalo ebhalansi ye-akhawunti iphansi kakhulu.

Inketho ekahle kungenzeka idiphozi. Kepha kufanele unake ukuthi ihlangabezana nale mibandela elandelayo:

inani eliphansi lokugcwaliswa kabusha kufanele likhululeke ekongeni njalo ngenyanga;
uma kunesidingo, ungakhipha ingxenye yezimali ngaphandle kokulahlekelwa inzalo;
kuhle, inzalo kufanele ibalwe futhi ifakwe ngofeleba nyangazonke.

Kuvela ukuthi lapho ukhetha ibhange, inani lenzalo akufanele lisebenze njengesimo sokunquma. Kepha kufanele unake ukuthi akuyona ephansi kakhulu noma ephakeme kunazo zonke phakathi kwalabo abakhona emakethe.

Lapho nje kukhethwa ibhange nediphozi, udinga ukugcwalisa i-akhawunti enanini lemali ebekiwe ebekiwe.

Isinyathelo 3. Ukuthuthukiswa kwezinhloso, kanye nezinhloso zokutshala imali

Kulesi sigaba, kuyadingeka ukunquma ukuthi umtshalizimali wesikhathi esizayo ufuna ukwenzani empilweni, ukuthi uzotholani, iyiphi impahla okufanele ayithole. Ngaphezu kwalokho, kumgomo ngamunye kuyadingeka ukunquma kuzodingeka imali engakanani ukuwufinyelela, ngayiphi imali. Ngaphezu kwalokho, kubalulekile ukunquma ukuthi yiliphi iphuzu umgomo okufanele ufinyelelwe kuwo.

Uma imigomo isitholakele, kufanele yenzeke isikhundla, okungukuthi, inombolo, ngokuhla kokubaluleka nokubalulekile. Ngakho-ke, kuzocaca ukuthi izimali kufanele ziqondiswe kuphi kuqala.

Isinyathelo 4. Ukunqunywa kobungozi obamukelekayo

Umtshalizimali wesikhathi esizayo kulesi sigaba uyanquma ubungozi obungakanani bezezimali azimisele ukumelana naboukufeza izinhloso zakho. Futhi ngalesi sikhathi kunqunywa ukuthi yiziphi izimo zokutshala imali ezingeke zamukeleke.

Ngamanye amagama, abanye abatshalizimali bazolile impela ngokudonswa kwemali yesikhashana ngo-40%... Abanye, ngakolunye uhlangothi, bazizwa bengakhululekile neze noma ukulahlekelwa kwenzeka ngaphakathi 10%.

Isinyathelo 5. Ukwenziwa kwecebo lokutshala imali

Kuleli qophelo, kubalulekile ukukhomba lawa maphuzu alandelayo:

inani lemali etshaliwe;
imvamisa yokutshala imali - kanye noma njalo;
ukwenzeka kobuphi ubungozi obungamukeleki futhi kufanele kubiyelwe kusengaphambili;
iyiphi ingxenye yesikhathi sakhe uqobo umtshalizimali akulungele ukuyisebenzisa ekulawuleni izimali;
kunqunywa okokusebenza kwezezimali okungavumelekile - umuntu othile ongatshali imali kwezimboni zotshwala nogwayi, othile uncamela ukuxhasa izinkampani zakwamanye amazwe nokunye okunjalo;
kunqunywa ukuthi izimali zizotshalwa kuziphi izinhlobo nezinhlobo zezimpahla;
yiziphi izintela ezingase zivele, zingancishiswa kanjani.

Lapho nje lezi zimo ezingenhla sezitholakele, kufanele kuchazwe ngokusobala ukuthi izinqumo zokutshalwa kwezimali zizokwenziwa kanjani. Lokho wukuthi, kuyadingeka ukunquma ukuthi yimaphi amaphuzu okufanele ubhekwe nokuthi yimaphi ongawanaki. Ngaphezu kwalokho, kubalulekile ukunquma ukuthi iziphi izenzo okufanele zilandelwe lapho kwenzeka izehlakalo ezithile.

Kubalulekile ngokulinganayo ukuthola ukuthi kukangaki nangaphansi kwethonya lokuthi yini okuzohlaziywa isu lamanje lokutshala imali, nokuthi kufanele kubuyekezwe futhi kushintshwe ngaphansi kwaziphi izimo.

Isinyathelo 6. Ukucindezeleka ukuhlola isu elithuthukisiwe

Kulesi sigaba, isu elithuthukiswe esinyathelweni esedlule lihlolwe ngokomthetho "Kuthiwani uma?"... Ukuze wenze lokhu, kufanele uzibuze inombolo enkulu yemibuzo bese uyiphendula ngeqiniso ngangokunokwenzeka.

Ukuqala kwemibuzo kufanele kube kanjena: ini kuzokwenzeka ngezinhloso zami zokutshala imali. Ingxenye yesibili yombuzo (uma) kuya ngezimo zempilo yomtshali-zimali futhi kumuntu ngamunye ngakunye.

Izibonelo zokuphela kwemibuzo zifaka:

uma ngiphelelwa umsebenzi;
uma ngigula kakhulu;
uma imoto yonakale.

Umphumela wokuhlolwa okunjalo kufanele kube ukwakhiwa kwecebo lokutshala imali elivikelayo. Umsebenzi wawo omkhulu ukuthola amathuba azovumela ukungalahli ukuqaliswa kwecebo lotshalo-mali, noma ngaphansi kwezimo ezingezinhle.

Ubunzima obuningi abungakhonjiswa kusengaphambili kuphela, kepha futhi buqinisekiswe ngomshwalense uma kwenzeka.

Isinyathelo 7. Ukukhetha indlela yokutshala imali

Ngalesi sikhathi, udinga ukunquma:

okuyinkampani leyo utshalomali oluzokwenziwa ngayo;
izimali zizofakwa kanjani;
ungayikhipha kanjani inzuzo oyitholile;
kuzodingeka ukhokhele umusa kabani nokuthi ungakanani ivolumu (amakhomishini nezintela).

Isinyathelo 8. Ukwakhiwa kwephothifoliyo yokutshala imali

Kungemva kokuba zonke izigaba ezedlule zokulungiselela ukutshalwa kwezimali sezinqotshiwe, lapho ungaqala khona ukwakha Iphothifoliyo yokutshalwa kwezimali... Ngamanye amagama, kuphela ngalesi sikhathi lapho ungaya ngqo kutshalomali lwezimali.

Kulesi sinyathelo, kuzodingeka wenze okulandelayo:

khetha okokusebenza okuthile okuzohambisana necebo lotshalo-mali elithuthukisiwe;
tshala imali kuzimpahla ezikhethiwe.

Abaningi bazothi imiyalo enikeziwe iyinkimbinkimbi kakhulu, akudingeki ukuthi uhambe ngezinyathelo eziningi kangaka. Eqinisweni, ukwenziwa okungaguquguquki kwazo zonke izigaba eziyisishiyagalombili okungaholela kumtshali-zimali kulo mphumela olandelayo:

Uzokwazi ukuhlela isimo sakho sezezimali;
Kuzokwakhelwa imali, ezohlala isebenza izinyanga eziyisithupha;
Kuzoba nomuzwa wokuzethemba esikhathini esizayo, kanye nomshuwalense wokulwa nezimanga nezinkinga ezincane;
Kuzokwakhiwa uhlelo oluthile oluzokwenza ukuthi ukwazi ukwandisa imali yakho;
Iphothifoliyo yezezimali ehlelwe kahle izovela.

Labo abakwazi ukunqoba lezi zinzima, ekuqaleni, izinyathelo bangazilindela ngokuqiniseka okuhle imiphumela evela ekutshalweni kwemali.

Izindlela Eziqinisekisiwe Zokutshala Imali Engcono Yokwenza Isebenze

6. Ungatshala kuphi imali - TOP-9 izindlela ezinhle kakhulu zokutshala imali yomuntu siqu 💰

Kunenani elikhulu lamathuluzi okutshala imali. Ukuzikhethela indlela efanelekayo, kufanele uqhubeke hhayi ngokuthanda kwakho kuphela maqondana nezinga ingozi futhi inzuzo... Kubalulekile futhi ukuxhumanisa indlela yokutshala imali nesimo somnotho ezweni.

Sikulethela ukunakekela kwakho izinketho ezithandwa kakhulu futhi ezinokwethenjelwa zokutshala imali.

Indlela 1. Imali yasebhange

Imali yasebhange - enye yezinto ezingabizi kakhulu, ngakho-ke izinketho zokutshala imali ezithandwa kakhulu. Ngokwethiyori, zingaletha ukuhleleka 10% ngonyaka. Kodwa-ke, namuhla amanani enzalo ezikhungweni eziningi zezikweletu ancishisiwe, ngakho-ke, lapho ukhetha ibhange ukuze utshale imali, udinga ukusebenzisa imali ngokuphelele ukuhlaziywa.

Imali yasebhange yilezi inketho yotshalomali olondolozayo... Ngaphandle kokuba yindlela enembile kunazo zonke, futhi iyingozi encane.

Phakathi kwezinzuzo zamadiphozi kukhona okulandelayo:

umshuwalense ovela kuhulumeni;
isikhathi sokutshalwa kwemali, kanye nenzuzo etholakele, ziyaziwa ngisho nangaphambi komzuzu wokutshalwa kwezimali;
ukutholakala;
ingozi ephansi, okungukuthi, ukuthembeka.

Lapho kukhethwa ibhange, ochwepheshe bancoma ukuthi kunikezwe kuqala izikhungo ezinkulu zezezimali ezinokuhlangenwe nakho kwesikhathi eside nedumela elihle.

Cabanga ngamabhange athembeke kakhulu anamanani aphakeme kakhulu.

Igama lebhange	Izinga lediphozi eliphakeme kakhulu	Linganisa ngo-% ngonyaka
ISvyaz-bank	Umholo omkhulu we-inthanethi	10,1
Sovcombank	Imali engenayo enkulu	9,8
I-Tinkoff	Umnikelo ohlakaniphile	9,0
I-VTB	Imali engenayo enkulu	9,0
Raiffeisen	Inenzuzo	7,7
I-Alfa Bank	I-accumulator	7,0

Indlela 2. Ukutshala imali kuzinsimbi eziyigugu

Ukutshalwa kwezimali kuzinsimbi eziyigugu esivele kukhona ngesikhathi sokuzalwa kobudlelwano bemali yezimpahla kungaletha imali kubaninizo. Ngokwesiko isetshenziswa njengezinsimbi eziyigugu igolide, isiliva, iplatinamu, futhi i-palladium.

Kunezimo eziningana ngenxa yokuthi intengo yezinsimbi eziyigugu ihlale ezingeni eliphakeme iminyaka eminingi:

ukungabi nethonya lokugqwala;
inani elilinganiselwe lensimbi emhlabeni.

Ngokuhamba kwesikhathi, inani lezinsimbi eziyigugu liyakhula ngokuqhubekayo. Ngasikhathi sinye, izinkinga ezahlukahlukene zezomnotho, kanye nezinye izinguquko emnothweni, akunamthelela entweni yezinsimbi eziyigugu.

Ngokwezibalo, kuphela eminyakeni eyishumi eyedlule eRussia, izindleko zegolide (kuma-ruble) zikhule cishe Izikhathi eziyi-6... Ngasikhathi sinye, ochwepheshe bakholelwa ukuthi azikho izinto ezingaguqula lo mkhuba eminyakeni ezayo.

Kunezindlela eziningana zokutshala imali kuzinsimbi eziyigugu:

ukuthenga ibha yegolide;
ukuthengwa kwezinhlamvu zemali zegolide;
ukuvula ama-akhawunti asebhange ensimbi;
ukutholwa kwamasheya ezinkampanini zezimayini zegolide.

Inketho ethembeke kakhulu ukutholwa kwensimbi ngokomzimba... Kepha kufanele ucabange ukuthi lokhu kungukutshalwa kwemali yinde isikhathi. Mancane amathuba okuthi kuzokwazi ukuthola inzuzo ebonakalayo kulolo tshalomali eminyakeni emihlanu ezayo.

Kulabo abafuna imali engenayo esheshayo, kungcono ukuvula ama-akhawunti ensimbi... Ngasikhathi sinye, ngokomzimba, igolide noma ezinye izinsimbi eziyigugu azithengwa. Kuvulwa i-akhawunti ebhange, okufakwa kuyo izimali ngokwamagremu ensimbi.

Inzuzo ingatholakala ngokushesha okukhulu - inani lediphozi libalwa njalo ngenani elisha lensimbi.

Ukuvula ama-akhawunti ensimbi Ingabe indlela ephephe kunazo zonke yokutshala imali kuzinsimbi eziyigugu. Lokhu kuyiqiniso ikakhulukazi emabhange lapho kufakwa khona imali.

Indlela 3. Izimali zokutshala mutual

Izimali zokutshala mutual noma izimali ezihlangene Ingabe kuyindlela yokutshala imali, okuyiyona empeleni eyokudluliselwa kwemali ethembeni.

Isikhwama sitshala izimali ezihlanganyelwe zabaninimasheya kuzinsimbi ezahlukahlukene zezezimali. Inzuzo evelayo isatshalaliswa kubahlanganyeli esikhwameni. Kepha abasunguli be-mutual fund abahlali belahlekile - nabo bathola inzalo yabo.

Izici ezihlukile zokusebenzisana kwabaninimasheya nomphathi wempahla ziboniswa kumigomo yenkontileka. Kubalulekile ukuthi umninimasheya kufanele asifunde ngokucophelela leso sivumelwano. ngaphambi indlela yokutshala imali esikhwameni.

Uhlelo lokusebenza kwesikhwama sokubambisana silula kakhulu. Abaninimasheya bathenga izingxenye zesikhwama, ezibizwa kanjalo amasheya... Izimali ezitshaliwe zisezandleni zemenenja, ezibambe iqhaza kutshalomali lwazo.

Abaphathi banesifiso sokuthola inzuzo eningi ngangokunokwenzeka, ngoba bona ngokwabo bathola imali ngendlela yamakhomishini, ebalwa njengephesenti yenzuzo.

Amasheya angaba lula thenga futhi thengisa... Ngakho-ke, izimali ezinjalo zinamanzi kakhulu.

Phakathi kwezinzuzo zezimali ezihlanganyelweyo kukhona:

izimali ziphethwe ngongoti;
Izimali zombili zitholakala kuwo wonke umuntu;
imali ayikhokhiswa intela;
izimali zilawulwa nguhulumeni.

Ekupheleni kwesikhathi esithile, kubalwa inzuzo yesikhwama. Imali etholwayo ihanjiswa phakathi kwabaninimasheya ngokulingana nesabelo salowo nalowo kubo esikhwameni.

Imvamisa, inzuzo yesikhwama sokubambisana isondela kuya kumaphesenti angama-50... Lokhu kunenzuzo ephindwe kahlanu kunemali efakwa ebhange. Ngokwesilinganiso, inzuzo yesikhwama imayelana 30%.

Indlela 4. Ukutshala imali kwizibambiso

Enye yezindlela zokutshala imali ethandwa kakhulu ukutshalwa kwezimali kwizibambiso... Kepha ungakhohlwa ukuthi ukusebenza naleli thuluzi kudinga ulwazi olunzulu emkhakheni wezezimali nakwezomnotho.

Kulabo abanethemba lenzuzo yesikhathi eside, ukutshala imali kumasheya okuqala abahlangana nawo akuyona inketho engcono kakhulu.

Ukuze utshale imali kwizibambiso ukuletha inzuzo yangempela, udinga ukuba nolwazi olunzulu emkhakheni wezomnotho noma ube nolwazi lokudlala esitokwetini. Uma kungekho lolo lwazi namakhono, ungadlulisela imali kumthengisi onolwazi ukuze aphathe ukwethenjwa.

Lapho utshala imali kwizibambiso, akunakwenzeka ukuqinisekisa inzuzo. Kodwa-ke, uma utshalomali luphumelele, ungathola inzuzo ebonakalayo. Ingafinyelela 100%.

Ngaphezu kwalokho, inzuzo evela ekutshalweni kwezokuphepha ayinamkhawulo. Abanye abatshalizimali abaphumelele bakwazile ukuthola ama-oda 1000% ngeminyaka embalwa nje.

Note Sicela wazi ukuthi ungena emakethe yezimali ngomthengisi. Enye yezinto ezinhle kakhulu yile nkampani yomthengisi.

Indlela 5. Ukutshala imali kwizakhiwo nezindlu

Izindlu ezithengiswayo ziyindlela ethandwa kakhulu yokutshala imali. Incazelo ilula - ukufunwa kwamafulethi, izindlu ngisho nezindawo okungezona zokuhlala kuzoba kuhlale kunjalo... Abantu badinga ukuthengiswa kwezindlu ukuze baphile futhi benze ibhizinisi. Ngaphezu kwalokho, ithuluzi elinjalo alisoze lehla ngokuphelele.

Lapho uthatha isinqumo sokutshala imali ku-real estate, kufanele kukhunjulwe ukuthi inani layo, kanye nokuthengiswa kwemali, kunqunywa inani lezinto eziningi. Lokhu kufaka phakathi, isib, isimo somnotho kuhulumeni, nesimo sesifunda.

Kunezindlela ezimbili zokwenza imali engenayo ngokutshalwa kwezindlu

Ukuqasha;
Ukuthengiswa okulandelayo.

Qasha isebenza njengenye yezinhlobo zemiholo engenziwanga. Umnikazi wale ndawo uthola imali, cishe ngaphandle kokuchitha isikhathi nomzamo. Kulokhu, amalungelo empahla anele ukwenza imali.

Ukuthengiswa impahla ingakhiqiza imali engenayo uma inani layo lenyuka. Kodwa-ke, namuhla kunezinkinga ngokuthengiswa okunenzuzo kwezindawo ezithengiswayo. Ezifundeni eziningi zaseRussia, ukufunwa kwale mpahla namuhla kuncane kakhulu kunokunikezwa.

Kodwa-ke, kwezinye izimo, abatshalizimali bayakwazi ukuthola inzuzo enhle ekuthengisweni kwezindlu.

Ngezindlela ongazisebenzisa zokutshala imali ku-real estate, bona ividiyo engezansi:

Kunezindlela eziningi zokwengeza imali oyitholayo:

ukutholwa kwento ngesikhathi samanani entengo emakethe nokuthengisa kuphela ngemuva kokukhula kwayo;
thenga ingcebo esigabeni sokubeka isisekelo noma ezigabeni zokuqala zokwakha, nokuthengisa ngemuva kokuphothulwa;
ukutholwa kwamafulethi esimweni esidabukisayo, ukulungiswa kwawo kwekhwalithi ephezulu, ukuthengiswa nge-premium yezindleko, okubandakanya, phakathi kwezinye izinto, ukukhokhela izindleko zokulungisa.

Namuhla isimo semakethe sithuthuke ngendlela yokuthi ochwepheshe bancome ukuyeka kusuka ekutshalweni kwezindlu. Bakholelwa ukuthi into ehlakaniphe ukwedlula zonke ukulinda ukwehla okukhulu kwezomnotho.

Sesivele sixoxile ngokuningiliziwe mayelana nokutshala imali kwizakhiwo, kanye nobuhle nobubi bale ndlela yokutshala imali ku-athikili yethu.

Indlela 6. Ukutshalwa kwemali ebhizinisini

Ngokwethiyori, kungukutshalwa kwezimali kwebhizinisi okungenye yezinketho ezinenzuzo enkulu kakhulu. Eqinisweni, ukuvula inkampani ephumelelayo kunganikeza ikusasa elinethezekile hhayi kuphela usomabhizinisi uqobo, kodwa futhi nakwinzalo yakhe.

Ngokwenzayo, impumelelo yebhizinisi inqunywa yizimo eziningi. Phakathi kwazo kukhona:

yi-niche emakethe ekhethwe kahle;
ubuchwepheshe bomabhizinisi;
indlela lo mbono ongokoqobo ngayo;
ukufunda nokubhala ngezenzo ezenziwayo.

Ngokwezibalo, amafemu amaningi ayaqothuka zisencane. Ngakho-ke, kungcono kakhulu ukuqala ibhizinisi lakho ngokuthenga i-franchise. Sivele sikhulume ngokuthi yini i-franchise ngamagama alula esihlokweni esandulele.

Ungatshala futhi inkampani eyenziwe ngomumo. Kundatshana ehlukile, sabhala ngokutshala imali ebhizinisini, futhi saletha neziqalo eRussia lapho ungatshala khona imali yakho.

Indlela 7. Ukutshala imali ekuqaleni

Ama-Startups ngamaphrojekthi amasha ayingqayizivele emkhakheni wezenhlalo noma wezohwebo. Esikhathini esizayo, banenzuzo ephezulu kakhulu.

Ngamanye amagama, uma ukhetha iphrojekthi efanele yokutshala izimali, ungathola inzuzo enhle.

Kepha kufanele ucabangele lokho kuphela cishe 20% amaphrojekthi anjalo aletha abatshalizimali bangempela inzuzo... Okunye kunjalo engenzi nzuzo noma funa ukumnika okwengeziwe kwezimali.

Ukutshala imali eziqalisweni ezahlukahlukene akunzima kangako namuhla. Kunenqwaba yamapulatifomu ku-Intanethi lapho abanikazi bokuqalisa bethula amaphrojekthi abo, beheha abatshalizimali.

Esigabeni sokuqala, ungenza imali encane yama-ruble ayizinkulungwane eziningana. Lokhu kuzokuvumela ukuthi ufunde inqubo yokutshala imali.

Izinzuzo zokuqala kukhona amandla okutshala imali ezindaweni eziningi zebhizinisi. IJografi nayo cishe ayinamkhawulo - ungatshala imali kuyo idolobha elikhulu, Amaphrojekthi aseYurophu, kanye nalezo ezisendaweni yesimo sobukhona bomtshali zimali, ngisho nalabo abatholakala ku-inthanethi kuphela.

Indlela 8. Ukutshala imali kumaphrojekthi we-Intanethi

I-Intanethi namuhla ingenye yezindawo zebhizinisi ezithandwa kakhulu futhi ezikhuthele kakhulu. Ochwepheshe abasebenza lapha babizwa abenzi bemali.

Inani elikhulu losomabhizinisi abaku-inthanethi sebevele benza imali online. Ngaphezu kwalokho, nsuku zonke kuneziningi zazo. Ungathola izindlela zokwenza imali kwi-Intanethi kuwebhusayithi yethu.

Abatshali bezimali abafuna ukuba osomabhizinisi abaku-inthanethi kudingeka basheshe. Kufanele uthathe i-niche yomsebenzi ngaphambi kokuba abanye bakuthathe.

Ukwenza imali nge-Intanethi, ungasebenzisa:

izitolo;
amaqembu ekuxhumaneni nomphakathi;
imithombo yolwazi;
amabhulogi;
izingosi zokuzijabulisa.

Ngasikhathi sinye, akudingekile ukuthi uzakhele isiza ngokwakho kusuka ekuqaleni. Ungathenga futhi iphrojekthi eyenziwe ngomumo eyenziwe ngumuntu othile. Ngasikhathi sinye, kubalulekile ukuthi insiza ivakashelwe ngangokunokwenzeka. Kulokhu, kuzokwenzeka ukuthi uzuze ngokukhangisa, ezinhlelweni zokubambisana, kanye nasekuthengiseni okuqondile.

Uma uthatha isinqumo sokwakha iphrojekthi yakho, kufanele unake ukuthi indlela engajwayelekile iyaziswa kwi-Intanethi. Yenza isayithi lakho lihluke ngangokunokwenzeka. Lokhu kuzoheha isibalo esiphezulu sabavakashi kuyo.

Sincoma futhi ukuthi sifunde i-athikili yethu mayelana nebhizinisi eliku-inthanethi, lapho sitshele khona ukuthi ungaqala kanjani ibhizinisi online futhi sanikeza imibono emihle kakhulu yokwakha ibhizinisi lakho kunethiwekhi.

Indlela 9. Forex

Namuhla, izikhangiso ze-Forex zitholakala yonke indawo. Uhlala ethi lapha ungakwenza yenza izigidi ezinsukwini eziningana. Kodwa-ke, akuwona wonke umuntu oqondayo ukuthi i-Forex iyini ngempela.

Ngamazwi alula, Forex Ingabe imakethe yomhlaba lapho kushintshaniswa ngezimali ezahlukahlukene ngamanani akhiwe ngokukhululekile.

Ngokomthetho, wonke umuntu ochitha isikhathi, osebenzisa amandla nokutshala imali angathola imali emakethe yokushintshaniswa kwamanye amazwe. Kubalulekile futhi ukukhetha inkampani ethembekile yokuhweba lapha. Abathengisi abaningi abaphumelelayo basebenza ngalo broker.

Ungathengisa ngokuzimela noma udlulisele izimali zokuphatha ngama-akhawunti we-PAMM. Imininingwane yokuthi ungayenza kanjani imali nge-Forex ichazwe kwenye yezingqinamba ezedlule.

Ukwenza kube lula ukuqhathanisa izindlela ezingenhla zokutshala imali, sazifingqa etafuleni:

Uhlobo lokunamathiselwe	Isikhathi esifanele sokutshala imali	Izinzuzo
Imali yasebhange	Kusuka onyakeni ongu-1	Izinga eliphakeme lokuthembeka
Izinsimbi eziyigugu	Isikhathi eside - ngaphezu kweminyaka engu-4	Ukukhula okuzinzile ezindlekweni zezinsimbi eziyigugu
Izimali ezihlangene	Kusuka ezinyangeni ezi-3	Izimali ziphathwa ngochwepheshe
Ukuphepha	Noma yikuphi	Akukhawulelwe
Impahla	Isikhathi eside - iminyaka engaphezu kwengu-3	Izimali eziphezulu
Ibhizinisi	Isikhathi eside - iminyaka eminingana	Inzuzo ephezulu
Qalisa	Kusuka ezinyangeni eziyi-6	Inani elikhulu lamaphrojekthi ongakhetha kuwo
Amaphrojekthi we-inthanethi	Noma yikuphi	Ukuthuthukiswa okusebenzayo
Forex	Noma yikuphi	Ukubuyiselwa okusheshayo

Is Kukhona futhi nendatshana kwiwebhusayithi yethu echaza ngokuningiliziwe ngokutshala imali kwi-cryptocurrency - sincoma ukuthi siyifunde.

Inhlolovo: Luphi utshalomali olungcono kakhulu?

Sincoma nokuthi ubuke ividiyo esihlokweni esithi "Ungatshala kuphi imali":

7. Izigaba ezisemqoka zokuphathwa kwezimali ezinekhono 📋

Ngokulawula kahle ukutshalwa kwezimali kwabo, umtshali-zimali angathonya inzuzo ayitholile kubo, futhi anciphise kakhulu izinga lobungozi.

Ungatshala imali ngokungahleliwe, uthembele enhlanhleni yakho kuphela. Kodwa-ke, kungcono ukutshala imali njengobuchwepheshe ngangokunokwenzeka.

Kufanele usebenze ngezigaba, ngolwazi lolo daba, uhlole amakhono akho ngokunemba ngangokunokwenzeka. Lokhu kuzokuvumela ukuthi uthole kusuka kuzimali umthelela omkhulu.

Isigaba 1. Ukuhlolwa kokuqala kwenqubo yokutshala imali yesikhathi esizayo

Ngesikhathi sokuhlolwa kokuqala, ukuhlaziywa izinkomba ezahlukahlukene, kufaka phakathi izimo zemakethe... Ngasikhathi sinye, kubalulekile ukuthi ucabangele ukuthambekela kokuthuthuka kwendawo yokutshala imali. Ngaphezu kwalokho, kubalulekile ukucabangela imininingwane yesikhashana.

Ngokwesibonelo, ngesikhathi sezinkinga zomnotho, akufanelekile ukutshala imali ezithengiswayo. Ngezikhathi ezinjalo, ukufunwa kwabo kwehla kakhulu, futhi ngeke kwenzeke ngokushesha ukukusebenzisa.

Ngaphezu kwalokho, lapho isidingo siphansi, abathengisi abakhulu, njengonjiniyela, bangehlisa kakhulu izindleko. Ngenxa yalokhu, imakethe iyonke izokwenza ukuwa.

Kulesi sigaba, kufanele futhi uhlole isilinganiso sephrojekthi yokutshala imali... Kubalulekile futhi ukubala ngokushesha Isikhathi sokubuyisela.

Isigaba 2. Ukubalwa kwenani elilinganisiwe lotshalo-mali

Okubalulekile ngaphambili hlola inani lotshalo-mali oludingekayo ukuqonda ukuthi izimali ezikhona zanele yini.

Udinga ukuqonda ukuthi ngaphansi kwethonya lezinguquko zemakethe kungenzeka impela ukulahlekelwa utshalomali... Ngakho-ke, ungafaka engozini kuphela imali yamahhala, inani elinjalo elingeke lidale umonakalo ongalungiseki kusabelomali somndeni.

Isigaba 3. Ukukhetha uhlobo lokutshala imali

Lapho ukhetha inketho yokutshala imali, umtshalizimali kufanele agxile emandleni abo.

Abaqalayo kuzodingeka bathembele kuphela emalini abanayo namuhla, futhi impahla futhi okungaphatheki amafa.

Ngokuzayo, lapho ulwazi lokutshala imali lutholwa futhi kutholwa inzuzo yokuqala, kuzoba namathuba amaningi.

Isigaba 4. Ukulungiswa kwephrojekthi yokutshala imali ngokuya ngezinjongo zomtshalizimali

Kuyinjongo yokutshalwa kwezimali okunomthelela isu lokuthi iphrojekthi yokutshala imali kufanele ithuthukiswe kanjani.

Ake sithi, izimali zatshalwa kusikhombisi esithembisayo somsebenzi kuphela ngenhloso yokwenza inzuzo. Kulesi simo, akunasisekelo ekutshaleni kabusha imali engenayo etholakele ukukhulisa izinga lokukhiqiza, kanye nokwakha izimakethe ezintsha zokuthengisa.

Okufanayo kufanele kusetshenziswe kwezinye izinsimbi zokutshala imali - imali, futhi utshalomali lwe-inthanethi.

Ochwepheshe batusa ukuhoxisa inzuzo, kanye nezimali ezitshaliwe ngokushesha lapho umgomo usufinyelelwe.

Noma kunjalo, uma iphrojekthi inethuba lokukhula okuzinzile, okuqhubekayo, kungakuhle ukuhlehlisa ukuhoxiswa kwezimali ezitshaliwe. Akunangqondo neze ukwenqaba ukuthola imali eyengeziwe noma ngabe inhloso ifinyelelwe.

Isigaba 5. Ukuhlaziywa kokusebenza kahle kwezimali kanye nokubikezelwa kwezinga lobungozi

Kulesi sigaba, kuyadingeka ukuhlola ukuthi iyiphi iphrojekthi yokutshala imali ekhombise ukusebenza ngesikhathi esithile.

Uma kwenzeka ukuthi izinkomba zihlangabezana nokulindelekile, asikho isidingo sokushintsha noma yini. Kodwa-ke, uma izinga lenzuzo lingafinyeleli kulokho obekuhlosiwe, kuzodingeka ukuthi wakhe izindlela ezizosiza ukulungisa isimo samanje.

Isigaba 6. Ukuqapha iphrojekthi ngemuva kokuqala kwayo

Ingxenye ebalulekile yokusebenza kwephrojekthi yokutshala imali ukuqapha isimo samanje.

Ngaphandle kokuthi awudingi ukubamba iqhaza elibonakalayo ekwakhiweni kwephrojekthi ukuthola imali engenayo, kufanele uyilandele. Okokuqala, lokhu kusebenza ekutshalweni okuyingozi kakhulu njenge ukuqala futhi ibhizinisi.

Lapho utshala imali kumathuluzi anezinga elincane lobungozi, ukuqapha kufanele kwenziwe kaningi kakhulu.

Ngakho-ke, ukuphathwa okufanele kokutshalwa kwezimali kufaka izinyathelo ezimbalwa ezibucayi. Uma uzama ukuhambisana nazo, ungathola imbuyiselo ephezulu ekutshalweni kwakho.

8. Ungayandisa Kanjani i-ROI Yakho - Izibonelo Ezilula ezi-3 💸📈

Ngokushesha noma kamuva, umtshali-zimali ngamunye ubhekana nesidingo sokwenza ngcono imbuyiselo yotshalo-mali. Lokhu kufanele kwenziwe njenge- ukukhula kwemali engenayofuthi kwe- ukwenza ngcono umkhiqizo.

Ake sinikeze ezintathu izibonelo ezilula zendlela yokwandisa i-ROI yakho.

Isibonelo 1. Ukutshala imali ngokuhlakanipha

Lapho uthatha isinqumo sokutshala imali ebhange, ngokuphambene nombono weningi, kunethuba lokukhulisa inzuzo yalolo tshalo-mali.

Lokhu kuzodinga:

khetha amabhange ahlinzeka ngezimo ezinhle kakhulu zamadiphozithi;
qinisekisa ukuthembeka kwesikhungo sezezimali esikhethiwe;
khetha izimo ezifanele ngokuhambisana nesikhathi esibekiwe, uqinisekise isilinganiso esiphezulu.

Ungathola ukuthi ungayibala kanjani kahle idiphozi / idiphozi yasebhange kwenye yezinto zethu.

Isibonelo 2. Inzuzo yebhizinisi

Ngokwandayo, abatshalizimali batshala imali yamahhala ebhizinisini. Futhi lokhu kuvunyelwe kakhulu - ukuthengiswa kwezimpahla zangempela nezinsizakalo kukuvumela ukuthi ukhuphule inani lemali ngokushesha.

Kunezindlela eziningana zokwengeza ukubuya kwakho ekutshalweni kwebhizinisi lakho:

Ungazama ukwandisa izithameli zakho eziqondiwe. Ngokwesibonelo, umenzi wezingubo zabesifazane abasebasha angazama ukungena emakethe yezemfashini yentsha noma yezingane. Imvamisa, kwanele nje ukushintsha usayizi webanga, khetha indwangu ehlukile nezesekeli. Amaphethini ngokwawo awadingi ukushintshwa. Ukunweba imakethe okuhlosiwe kunikeza ithemba ngayo ukwanda kwesidingo... Lokhu kuzogcina kuholele ku- ukukhula kwenzuzo.
Ukwandisa isabelomali sokumaketha kuhamba. Lokhu kufaka zonke izinhlobo ukukhangisakanye nokuvuselela amasheya... Lokhu, njengenketho yokuqala, kuzoholela ekwandeni kwesidingo ngokuzayo. Izindlela ezahlukahlukene zokukhangisa zivumela ukwethula umkhiqizo kulabo abangakajwayelani nawo, futhi kwandise ukuncintisana.

Isibonelo 3. Ukwandisa inzuzo ngekhwalithi yomkhiqizo

Ukwanda kwekhwalithi yomkhiqizo othengisiwe kuhlala kuholela ekukhuleni okungaba khona kwesidingo. Kubalulekile futhi ukukhumbula ukuthi imikhiqizo esezingeni eliphakeme ayidingi ukukhangisa okubizayo. Bayazithengisa.

Ngaphezu kwalokho, ukufunwa kungakhuphuka ngokufaka izici ezengeziwe eziwusizo kumkhiqizo, kanye nokubeka intengo ezingeni elamukelekayo.

Ngakho-ke, ngokuthatha izinyathelo ezithile, umtshalizimali akakwazi ukwandisa inzuzo kuphela esikhathini esifushane. Uthola ithuba lokwenza izimali engabizi kakhulu... Lokhu kusho ukuthi esigabeni sesikhathi eside sokutshalwa kwemali, imali engenayo izoba ngenhlaukwedlula obekuhleliwe ekuqaleni.

9. Izingozi zotshalo-mali nezindlela zokuzinciphisa 💣📉

Kunokuthi kuhle inani umtshalizimali angakwazi ukulitshala kunoma iyiphi insimbi yezezimali, ngaleyo ndlela ngenhla ekugcineni, inzuzo engaba khona. Kepha ungakhohlwaukuthi noma yikuphi okunamathiselwe kuhlotshaniswa nokuthize ingozi... Susa ngokuphelele akunakwenzeka.

Ngisho namathuluzi abonakala engenangozi ngokuphelele angaholela kuwo ukulahleka kwezimali.

Ngokwesibonelo, lapho utshala imali ebhange, kunengozi yokuthi ibhange lingawa. Kodwa-ke, kusemandleni omtshali-zimali ukuzama ukunciphisa izingozi zokutshalwa kwemali.

Izazi ziye zathuthuka iqoqo lemithetho, ukuhambisana nakho kunganciphisa kakhulu amathuba wokwehluleka kwephrojekthi yokutshala imali:

Kumele kutshalwe izimali zamahhala kuphela. Le yimali, ukulahleka kwayo ngeke kuholele emiphumeleni emibi.
Akufanele uthembele ku-intuition nemizwelo lapho utshala imali. Izibalo ezinembile zezibalo zingaholela empumelelweni.
Ungazivikela uma usebenzisa izinsimbi zokutshala imali eziqeqeshiwe kuphela. Ukusebenza nozakwethu abaqinisekisiwe kuzokusiza ukuthi ugweme ukushayisana nabakhwabanisi.
Akufanele utshale yonke imali yakho kuphrojekthi eyodwa. Ukwehlukaniswa kokutshalwa kwezimali, okungukuthi, ukuwahlukanisa ngezindlela eziningi, kunciphisa kakhulu ubungozi bokulahlekelwa yizo zonke izimali.
Ungakhohlwa ukudala nokugcina imali ebekiwe. Uma kwenzeka ukulahleka kwazo zonke izimali ezitshaliwe, kuzosiza ukuhlala zisebenza, futhi mhlawumbe uphinde uqale ukutshala imali.
Lapho nje kutholakala inzuzo eyanele, inani ebelitshaliwe ekuqaleni kufanele likhishwe kuphrojekthi.
Ngenqubo yokutshala imali, kufanele ulandele ngokuqinile uhlelo oluthuthukisiwe.
Ungazinaki izeluleko nosizo lwabatshalizimali abangochwepheshe.

Ukulandela lezi zincomo ezilula kuzosiza ekunciphiseni kakhulu ubungozi bokutshalwa kwemali.

Amathiphu okutshalwa kwezimali namasu ama-newbies nabatshalizimali bama-novice

10. Ukutshala imali Wabasaqalayo - TOP-5 amathiphu kulabo abafuna ukuqala imali imali 💎

Ochwepheshe bakhiqize amathiphu amaningana kulabo abanquma ukutshala imali okokuqala ezimpilweni zabo. Ukubalandela kukuvumela ukuthi ufinyelele ekusebenzeni okuphezulu kakhulu otshalweni lwakho.

Ithiphu 1. Lungiselela isisekelo sokutshala imali esikhathini esizayo

Ukuqala ukutshala imali, uzodinga nakanjani imali yokuqala... Esigabeni sokuqala, akufanele usebenzise amanani abalulekile.

Kungcono ukutshala ubuncane ekuqaleni, ukuthola inzuzo kancane kancane, imali ingakhuphuka.

Nakulokhu futhi, sizogxila ekunakekeleni kwakho: kufanele utshale kuphela izimali zamahhala ezingahloselwe ukukhokha izindleko ezibalulekile.

Ithiphu 2. Setha umgomo othile wokutshala imali

Ngakolunye uhlangothi, ukubeka izinhloso akubangeli ubunzima obukhulu. Ngokwenzayo, kungaba nzima kwabaqalayo ukwakha izinhloso abangathanda ukuzifeza esikhathini eside esizayo. Ngasikhathi sinye, ukuntuleka kohlelo olwenziwe kahle kungaholela ekumeni kwentuthuko.

Ngokufanelekile, umtshalizimali kufanele acacise ngalokho afuna ukukufeza. Umgomo kufanele ucaciswe, isib, thola ama-ruble ayizinkulungwane eziyikhulu ezinyangeni ezimbili. Lokhu kubekwa kwezinhloso kwandisa isiyalo.

Ithiphu 3. Zama izindlela ezahlukene zokutshala imali

Musa ukutshala kuthuluzi elithandwa kakhulu. Kuyadingeka ukuqonda ukuthi umtshali-zimali ngamunye unolwazi kakhulu ezindaweni ezithile.

Kufanele ibanjwe ukuhlaziywa kwamakhono akho nezinto ozithandayo... Ngemuva kwalokho, ungazama ukufaka imali kuzimpahla ezimbalwa ezibonakala ziphumelela kakhulu. Ekugcineni, uzokwazi ukukhetha ithuluzi elifanele kakhulu.

Ithiphu 4: Sebenzisa ukulawula okuqinile kwezindleko

Abaningi bathi abanazo izimali zokutshala imali. Eqinisweni, ukulawula okuqinile ekusebenziseni kwakho imali kusiza ukukhulula izamba ezibonakalayo.

Kwanele ukuyeka ukusebenzisa imali ngezinhloso ezithile zokuzikhethela ukuze unqwabelene kakhulu okuqinile isamba semali... Sibhale lapha ukuthi ungayonga kanjani imali.

Ithiphu 5. Funda izincwadi ngokutshala imali

Kunenani elibalulekile lezincwadi zokutshala imali kuwebhu namuhla. Ngayinye yalezi zinhlobonhlobo izothola okuthile okumfaneleyo.

Izincwadi eziningi ezibhaliwe kufinyeleleka futhi ulimi oluqondakalayo... Ngakho-ke, uma ulimi lombhali luvela lube nzima kakhulu kuwe, zizwe ukhululekile ukuhlehlisa incwadi. Mhlawumbe isikhathi sakhe asikafiki. Funda kamuva.

Ngakho-ke, abatshalizimali be-novice kufanele balalele izeluleko zochwepheshe. Lokhu nakanjani kuzokusiza ukuthi uzuze impumelelo ekutshalweni kwakho.

11. Investment FAQ - izimpendulo zemibuzo ebuzwa njalo to

Inqubo yokutshalwa kwemali inezici eziningi futhi iyinselele. Kungakho ama-newbies amaningi enenani elikhulu lemibuzo.

Ukuze umtshali-zimali osemusha angadingeki afune izimpendulo kubo, efunda inani elikhulu lezincwadi, sizethula ekugcineni kokushicilelwa.

Umbuzo 1. Yiziphi izici zotshalomali lwangaphandle eRussia?

Eminyakeni yamuva, ukutshalwa kwezimali kwamanye amazwe emnothweni waseRussia wonkana, kanye nakumaphrojekthi ngamanye, kwehle kakhulu. Ochwepheshe babikezela ukuthi esikhathini esizayo esiseduze lo mkhuba izosala.

Ngokwezibalo, ivolumu yotshalomali kuze kube manje kwehle ngaphezu kuka-90%... Sicabanga ukuthi izizathu zalokhu zicacile kubo bonke abantu - izinguquko ezinkulu kwezepolitiki zenzekile emhlabeni.

Eqinisweni, umnotho waseRussia uheha kakhulu utshalomali lwangaphandle. Lokhu kungenxa ye- izinga eliphezulu lenzuzo namathemba abalulekile.

Kuze kube muva nje, abanikazi bezimali ezinkulu zangaphandle ngesifiso esikhulu, ngaphandle kokwesaba, batshale imali ezinhlanganweni nasemaphrojekthi asathuthuka eRussia.

Kuya ku 2011 iminyaka, inani eliphelele lokutshalwa kwezimali kwamanye amazwe emnothweni waseRussia lalisezingeni amadola ayizigidi eziyizinkulungwane ezingamakhulu amathathu... Namuhla leli zinga lincane.

Ukuthi isimo sizoshintsha yini esikhathini esizayo sincike ezimeni eziningi ezimayelana nemikhakha yezepolitiki nezomnotho.

Umbuzo 2. Siyini isivumelwano sokutshalwa kwemali?

Isivumelwano sokutshalwa kwemali noma isivumelwano sokutshala imali ngumbhalo osemthethweni owenziwe ngokuhambisana nefomu elithile. Isivumelwano esinjalo silungisa ukutshalwa kwemali kwemali ngumtshali zimali kunoma iyiphi into ethatha ukwamukelwa kwemali engenayo kamuva.

Izimali okungezika- umbuso noma umuntu wangasese - inkampani noma isakhamuzi. Ngaphezu kwezimali zakho, ungatshala futhi ubolekisiwe noma kuthathwe ukulawula.

Isivumelwano sokutshalwa kwezimali sisho ukuthi yikuphi isikhathi imali etshaliwe. Ngemuva kosuku olubekiwe, imali ibuyiselwa kumtshali-zimali. Ngaphezu kwalokho, inkontileka kufanele ikhombise ukuthi ikuphi ifomu imali yokutshala imali izokhokhwa.

Ungazijwayeza ngenkontileka eyisampula kusixhumanisi esingezansi:

Landa isivumelwano sokutshalwa kwemali (isampula) (.doc, 37 kb.)

Umbuzo 3. Ukutshalwa kwezimali okuqondile (okwangempela) kanye nephothifoliyo (kwezezimali) - kuyini futhi kuhluke kanjani?

Kunezindlela ezimbili ezibaluleke kakhulu zokutshala imali - eqondile noma yangempela futhi iphothifoliyo noma utshalomali lwezezimali.

Umehluko wabo omkhulu ngukuthi e utshalomali ngqo kuba nokwenzeka ukuthonya izinqumo ezenziwe enkampanini... Lokhu kuvame ukuhilela ukutholwa kwesigxobo esilawulayo kwifemu. Ukutshalwa kwemali kwiphothifoliyo ukubamba iqhaza ebhizinisini akulindelekile. Kukule mehluko oyisisekelo olandelwa yibo bonke abanye.

Sikholwa ukuthi kungakuhle ukuthi uqhathanise lezi zinhlobo ezimbili zokutshala imali ngendlela yetafula:

Isimo sokuqhathanisa	Ukutshalwa kwemali okuqondile	Ukutshalwa kwemali kwiphothifoliyo
Ithuluzi elithengiwe	Kuthengiwe inani elikhulu lamasheya (ukulawula izingxobo), okuvumela ukuthi ubambe iqhaza ekuphathweni kwenkampani	Ukuthengwa kwamasheya kunoma iyiphi ivolumu engafinyeleli esigxotsheni esilawulayo, ukubamba iqhaza emisebenzini yenkampani akuhlelwanga
Imithombo yemali engenayo	Ukwahlukaniswa Umehluko phakathi kwentengo yokuthengisa nokuthenga kwesitoko Amaphesenti okusatshalaliswa kwenzuzo yenkampani	Izabelo Imali engenayo ecatshangelwayo
Isikhathi sokutshalwa kwezimali	Kufanele kutshalwe imali esikhathini eside naphakathi	Ukutshalwa kwemali kwenziwa isikhathi esifushane
*Ukuqondiswa kokusebenzisa izimali ezitholwe yinkampani*	Imvamisa ekuvuseleleni nasekugcwaliseni kabusha amafa angahleliwe	Noma yikuphi

Umbuzo 4. Kuyini ukutshalwa kwemali okwedlulele nokwenzekile?

Izimali ezitholwe yinkampani ngenqubo yokutshala imali emisebenzini yayo zivame ukuqondiswa ukuthengwa kwempahla engaguquki... Kungokwemvelo ukuthi ukutshalwa kwezimali okunjalo kuzokhokha isikhathi eside ngokwanele. Ngokombono, inqubo yokutshala izimali ingahlukaniswa okwedlulele futhi utshalomali oluphelele.

Ukutshalwa kwemali okuphelele inani eliphelele lotshalo-mali. Ngamanye amagama, lokhu kungafaka imali eqondiswe enhlanganweni yokwakhiwa okusha, ukuthengwa kwezinto ezahlukahlukene zezimpahla ezihleliwe, ukutholwa kwempahla enobuhlakani bengqondo.

Ukubuyiselwa kwemali etshalwe ekukhiqizweni kwenzeka ngezindleko zokudonswa kwenani lentengo. Ngakho-ke, utshalomali oluphelele Ingabe umehluko phakathi kokutshalwa kwemali okwedlulele nalokho okuncishisiwe (ukwehla).

Inani lotshalo-mali lilonke lingathatha njenge okungekuhlefuthi okuhle amanani. Ake sihlolisise lezi zimo:

Uma inani lokwehliswa kwentengo lidlula utshalomali oluphelele, kuvela isimo lapho inkomba yotshalo-mali isiyonke izobe ingaphansi kuka-zero. Lokhu kwenza kucace ukuthi inkampani isithuthele ku Ukwehla komnotho.
Uma utshalomali oluphelele lungaphezu kokuncishiswa kokwehla, izindleko zizonke zibiza inani elihle. Ngasikhathi sinye, umuntu angahlulela okubonwayo enkampanini ukukhula komnotho.
Isimo sesithathu singenzeka futhi - lapho utshalomali lulonke luyiziro. Umphumela ofanayo uyakhombisa ukuzinza enkampanini.

Izibalo zenani eliphelele kanye nokutshalwa kwemali ziguquka njalo ngokuhamba kwesikhathi. Lokhu kwenzeka ngaphansi kwethonya lalezi zinto ezilandelayo:

ukuthuthukiswa kwezinkambiso zomthetho;
intela;
isimo emkhakheni wezepolitiki nakwezomnotho;
inqubekela phambili yobuchwepheshe.

Kungokwemvelo ukuthi izinto ezinomthelela ezingeni lotshalo-mali azimile. Zihamba njalo. Lokhu, ngokufanele, kuholela enguqukweni eqhubekayo ekusebenzeni kotshalo-mali.

Ukwanda kokutshalwa kwemali eyinhloko kuvame ukuholela ekwandeni kwezindleko zezimpahla ezingaguquki. Ngenxa yalokhu, utshalomali lulonke luba luhle. Uma sahlulela lezi zinkomba ezingeni likazwelonke, kungaziwa ukuthi kungaba nomthelela omkhulu emholweni wezwe.

Kuyathakazelisa ukuthi ukwenyuka kwenani lezindleko kuholela ekukhuleni kwemali eyabelwe ukutshalwa kwezimali. Esikalini senkampani, inani lokusetshenziswa lithinta ukuheha kotshalomali. Ubudlelwano obufanayo phakathi kokutshalwa kwemali nokusetshenziswa emnothweni buyabizwa indida yokungazethembi.

Kuvela ukuthi inkomba yotshalo-mali iyonke yenza kube nokwenzeka ukwahlulela amandla wokukhiqiza wenhlangano esigabeni okukhulunywa ngaso.

Umbuzo 5. Yini engcono ukutshala imali ngenzalo ephezulu?

Lapho enquma ngokutshalwa kwemali eyinhloko, umtshali-mali ubhekene nenkinga yokukhetha ithuluzi elilungile.

Ngokwesiko, izinketho ezilandelayo zibhekwa njengezinenzuzo enkulu:

Imali yasebhange. Lapho utshala imali enkulu ngokwanele kumadiphozithi anezindleko zenyanga zenzalo, le nketho ingaba ukwanda okuhle empeshenini noma emholweni... Lokhu akudingi utshalomali lwesikhathi nomzamo, futhi ubungozi buncane. Kodwa-ke, ngenani elincane lokutshalwa kwemali, imali engenayo izobe ingabalulekile.
Ukutshala imali ngamasheya zibhekwa njengenye yezindlela ezingcono kakhulu ezikuvumela ukuthi ulindele ukuthola inzuzo enkulu ohambeni olude... Kepha umtshali zimali kufanele alungele iqiniso lokuthi lapho inani lempahla lehla, ukulahleka kungenzeka. Ngakho-ke, ngaphambi kokutshala imali kumasheya, kufanelekile ukuthi uhlole izinga lobungozi. Inketho enhle kakhulu kungaba ukubeka imali kumphathi wemakethe yamasheya.
Izimali ezihlangene ikuvumela ukuthi udlulisele imali kumphathi ochwepheshe. Ngokuhamba kwesikhathi, zikuvumela ukuthi ubheke emholweni, kahle ngenhla kwamandla emali... Ububi bethuluzi ubunzima bokulandela umkhondo wokutshalwa kwezimali, kanye nosayizi wemali yokulingana.
Ama-akhawunti we-PAMM kufaka phakathi ukudluliswa kwezimali ekuphathweni komhwebi onolwazi. Ngenxa yalokho, kungenzeka ukuthi inzuzo ye- Okuningi 50%... Ubuhle bale nketho ukuthola imali engenayo esheshayo. Kodwa-ke, kukhona nokubuyela emuva okuphawulekayo - izinga eliphakeme lobungozi.

Abantu abaningi futhi bakuthatha njengethuluzi elihle kakhulu lokutshala imali elikuvumela ukuthi wenze inzuzo enkulu, ukuthengwa kwempahla... Kodwa-ke, into etholiwe ingafriza nomtshali-zimali.

Esimweni esinjalo, uma ufuna ukusisebenzisa ngokushesha, kuzofanele wehlise intengo. Kuvela ukuthi utshalomali lwezezakhiwo lungaba nenzuzo, kepha izinga lobungozi liphezulu.

Umbuto 6. Ungayibeka kuphi imali lencane (kusuka ku-100 kuya ku-1000)?

Abantu abaningi bakholelwa ukuthi abantu abacebile kakhulu kuphela abangasebenzisa utshalomali oluzimele. Lo mbono awulungile. Ngaphezu kwalokho, izindaba zaziwa ngokulandisa kwenani elikhulu labantu abathi, bengenalutho emaphaketheni abo, bagcina sebengosozigidi nezigidigidi. Ngale ndlela, sinendatshana kuwebhusayithi yethu enikeza izeluleko kubantu abacebe kakhulu emhlabeni ukuthi ungaba kanjani usozigidi kusukela ekuqaleni.

Ngokwemvelo, akunakwenzeka ukuphikisa ukuthi wonke umuntu oqala ukutshala imali uzokwazi ukuceba. Kodwa-ke, la maqiniso alandelayo akhulumela iqiniso lokuthi wonke umuntu kufanele aqale ukutshala imali, okungenani ngamanani amancane:

Lokhu kukuvumela ukuthi wenze isabelo - inani elincane lemali, okuthi uma kwenzeka izimo ezingalindelekile liqede isidingo sokubheka umuntu ozoboleka kuye.
Ukutshalwa kwemali kusiza ekwakheni ukonga. Ngenxa yalokhu, uzokwazi ukuthenga okungenayo iholo elanele ngaphandle kokusebenzisa izikweletu.
Ukwakhiwa kwemali eyinhloko ikuvumela ukuthi udale imithombo eyodwa noma eminingi yemali engenayo yokwengeza.

Abaningi bakholelwa ukuthi ngeke bakwazi ukufeza noma yiziphi izinhloso ezichaziwe, ngoba abanayo imali yamahhala. Eqinisweni, wonke umuntu angonga njalo imali encane. Ekugcineni, bazosiza ukwenza isabelomali somndeni sibe ngaphezulu esitebeleni, futhi futhi usondele ezinhlosweni ezihlosiwe.

Ukuphikisana lapho ungatshala khona imali encane, kufanele unqume ukuthi ingakanani kumayunithi emali. Ngempela, komunye umuntu 1 000 amadola akuyona imali enkulu, kepha eyomuntu futhi ikhulu ama-ruble ayabonakala.

Njengoba sizobheka izinsimbi ezahlukahlukene zokutshala imali, sizothatha imali encane 100 - 1000 amadola... Ngaphezu kwalokho, ezimweni lapho ukutshalwa kwezimali kungaba kuncane, sizokhuluma ngalokhu.

Inketho 1. Idiphozithi yasebhange

Lapho ukhetha inketho yokutshala imali ubuncane bemali, okokuqala, kunjalo imali yasebhange... Ngaphezu kwalokho, leli thuluzi lingasetshenziselwa nokutshala imali enanini kusuka ikhulu ama-ruble.

Iningi lezikhungo zezikweletu linikeza izinketho ezinjalo. Lokhu kusebenza, okokuqala, kuma-akhawunti ahlukahlukene okonga nokufuna. Izimo ezinjalo zizoba wusizo olukhulu, ikakhulukazi kulabo abasanda kuqala ukwakha imali ebekiwe.

Kodwa-ke, ezimweni eziningi, lapho kubhekwa ngokucophelela le nketho, abaningi bayayenqaba ngenxa yenzuzo ephansi kakhulu. Akuvamile ukuhlanganisa izinga lokwehla kwamandla emali, ikakhulukazi uma sicabangela funa imali.

Noma kunjalo, uma sibheka le nketho njengendlela yokuqongelela, kuyamukeleka impela. Iqiniso ngukuthi eminyakeni edlule, ngokugcwaliswa okujwayelekile, inani eliku-akhawunti lizokhuphula inani elikhulu lezikhathi.

Ngakho-ke, labo abangenayo imali ebalulekile kufanele bacabangele le nketho. Into esemqoka ukukhetha idiphozi engagcwaliswa nganoma yisiphi isikhathi futhi nganoma yisiphi isamba.

Inketho 2. Ukuthenga imali yakwamanye amazwe

Abantu abaningi bakhetha ukugcina ukonga kwabo ngemali yakwamanye amazwe, ngokwesibonelo, ku- amadola... Abantu baseRussia basazikhumbula izehlakalo lapho i-ruble yehla kakhulu, ngenxa yalokho amandla ayo okuthenga ancipha.

Empeleni, inani elincane kakhulu lingatshalwa ngemali - kusuka amakhulu amaningana ama-ruble... Kepha ochwepheshe abeluleki ukuthenga izinhlamvu zemali, ngoba ngemuva kwalokho kungenzeka zingamukelwa yonke indawo.

Akekho umuntu ongabaza ukuthi esikhathini esizayo izimali zakwamanye amazwe (amadola nama-euro) zizokhula ngokumelene ne-ruble. Ngakho-ke, ngokuhamba kwesikhathi, le nketho yokutshala imali yamukeleka impela.

Kodwa-ke, kunethuba lokuthi kwesinye isikhathi isilinganiso sizoqala ukwehla. Uma ngalesi sikhathi esithile udinga imali, uzozithola ukuyo ukulahlekelwa.

Ngaphezu kwalokho, kunzima ukuqagela ukuthi iyiphi imali efanele ukuthenga. Imvamisa, inkambo yenye yamayunithi angaphandle maqondana nenye ishintsha ngokungalindelekile.

Uma ucabangela imali njengenketho yokutshala imali yesikhathi eside, kufanelekile ukuyichitha ukuhlaziywa ngokucophelela kwenzuzo yayo... Esikhathini eside, imvamisa kudiphozithi yemali kazwelonke, inzuzo ingahle ibe phezulu kunama-unit emali angaphandle agcinwe "esitokisini".

Ngendlela, njengenketho, ungavula idiphozi ngamadola noma ama-euro. Ngakho-ke kuzokwazi ukuthola hhayi kuphela ekwandeni kwesilinganiso, kepha futhi nokuthola iphesenti elithile.

Ngaphezu kwalokho, ochwepheshe abayincomi ukugcina imali ngemali yakwamanye amazwe ngaso sonke isikhathi. Uma kukhona ukwehla okuphawulekayo kuwo, kungcono ukubuyela kuma-ruble. Lapho imali ishibhile ngempela, ungayithenga futhi. Ngakho-ke ungathola okungeziwe kancane imali eqagelayo.

Inketho 3. Ukuphepha

Okwalabo abafuna ukutshala imali izinkulungwane zamadola, kungenzeka ukuthi ucabangele inketho yokutshala imali yabo kwizibambiso, isib, amasheya noma izibopho... Le mali izokwanela ukuthenga inani elincane lazo.

Kodwa-ke, ithuluzi elinjalo alibafanele labo abangenalo ulwazi ngemakethe yamasheya ehlobene. Ungakhohlwa ukuthi izimali zizophumelela kuphela uma kungenzeka ukubikezela ukuthi yikuphi ukuphepha okuzokhuphuka ngenani.

Kubalulekile futhi ukunaka ukuthi ukutshala imali kwizibambiso ngezindlela eziningi kunzima kakhulu kunokuthenga imali:

Iyunithi yemali yezwe langaphandle ingathengwa kunoma yiliphi ibhange. Ukuthenga amasheya, kuzofanele ubambisane nenkampani yama-brokerage.
Uma kwenzeka kuqothuka okhipha imali, umtshalizimali usengcupheni yokulahlekelwa yizo zonke izimali ezitshalwe kwizibambiso. Ngasikhathi sinye, inani lokushintshaniswa kwamanye amazwe alisoze lehlela kuziro.

Ngaphandle kokuphazamiseka okukhulu, sincoma ukusebenzisa ukuphepha njengethuluzi lokutshala imali. Iqiniso ukuthi ngokuhamba kwesikhathi, ngokukhetha okuhle kwezokuphepha, ungathola inzuzo ebalulekile.

Inketho 4. Izinsimbi eziyigugu

Okwalabo abafisa ukutshala imali phezu amadola ayikhulu, kufanele unake ukuthi kungenzeka yini ukuthenga izinsimbi eziyigugu... Kepha akunasimo lapho kufanele uthenge ubucwebe. Izindleko zabo ekuqaleni zeqisiwe, njengoba kufaka phakathi izindleko zokukhiqiza, futhi umsebenzi wabaklami.

Ngaphezu kwalokho, noma ngabe le nto ayigqokiwe, akunakwenzeka ukuthi kuzokwazi ukuyidayisa kamuva ngentengo yangempela, ngoba izobhekwa njengamasekeni.

Yingakho kuphela ukuthengwa kwama-bullion asebhange, kanye nezinhlamvu zemali zokutshala imali, okufanele kubhekwe njengokutshalwa kwemali.

Uma ufuna ukutshala igolide, kufanele ucabangele la maqiniso alandelayo:

Kulula ukuthenga igolide kunokulithengisa ngokuhamba kwesikhathi. Kuyathakazelisa ukuthi ngisho nalawo mabhange athengisa le nsimbi eyigugu awahlali eyithenga njalo.
Muva nje, akubonwanga izinkathi zokukhula kuphela ezindlekweni zezinsimbi eziyigugu, kepha futhi nokwehla kwazo.
Uma kuncane ibha yegolide, kuzobiza izindleko ngegremu ngalinye ukuze ulithenge. Lapho utshala imali encane, ukutholwa kungaba yinzuzo.

Inketho 5. Ukuqagela kwesitoko

Muva nje, inketho ethandwayo yokutshala izimali isibe ukushintshanisa ukuhweba... Kungaba ukuqagela kokubili kwizibambiso ekushintshaneni kwesitoko kanye nezimali zangaphandle kwi-Forex.

Namuhla, emzabalazweni weklayenti ngalinye, abathengisi abaningi baqala ukunikela ngokuqala ukuhweba ngokutshala inani eliphansi lemali - kusuka kudola elilodwa... Umehluko kuphela ukuthi ukuhweba ngeke kwenziwe ngenkatho ephelele, kepha okuyingxenye.

Uhlangothi olulodwa, Ukuhweba ngokushintshaniswa kukuvumela ukuthi ukhulise ngokushesha ngisho nenhlokodolobha encane. Ngomunye - umtshali-zimali kufanele akulungele ukulahlekelwa yizo zonke izimali ezitshaliwe.

Kubalulekile ukuqondaukuthi ngaphambi kokuthi uhwebe ngokugcwele, kuzofanele uthole ulwazi oluningi nesipiliyoni. Kodwa-ke, noma ngabe ukuphatha kahle leyo nto, ngeke sibe khona isiqinisekiso sokwenza inzuzo.

Kuvela ukuthi ukuqagela kwamasheya kuyindlela enhle kakhulu yokutshala imali kulabo abazimisele ukuchitha isikhathi ekuzifundeleni. Siphakamisa ukuthi siqale ngendatshana ethi "Imfundo ye-Forex kusuka ekuqaleni".

Asicabangi ngamabomu izinketho lapho amathuba okwenza inzuzo enganakwa. Ukukhangisa nge-Intanethi kuthembisa imali engenayo ezinzile evela ku- ikhasino, imidlalo eku-inthanethi, futhi AMAHIPHALAezimele imibhoshongo online... Ngasikhathi sinye, uyathenjiswa ukuthi noma ngabe ngotshalomali 100 ama-ruble ezinsukwini ezimbalwa uzobe ucebile.

Ochwepheshe abazikholelwa izithembiso ezinjalo, becabanga ngokufanele amaphrojekthi anjalo umdlalo ojwayelekile wenhlanhla. Vele, wonke umuntu uqobo ibhizinisi lakhe ukuthi ngabe uzobamba iqhaza yini ezinhlelweni ezinjalo zokutshala imali, kepha besingeke sikweluleke.

Ngakho-ke, ngokungafani nombono weningi, noma ngubani angaba ngumtshalizimali, noma engenayo imali enkulu. Vele, ngamanani amancane, inani lamathuluzi okutshala imali lilinganiselwe kakhulu. Kodwa-ke, esimweni sokutshalwa kwezimali okuphumelelayo, kungahle kukhule kakhulu inani elitshaliwe. Umphumela uzoba ukwandisa ukukhethwa kwamathuluzi okutshala imali.

Ukukhetha ukuthi uzotshala kuphi imali, akekho ozimisele ngokulahlekelwa yiyo, noma ngabe inani alibalulekile. Ngakho-ke, isinyathelo sokuqala sokutshala imali kufanele sibe ukuhlaziywa ngokucophelela ongakhetha kukho.

Kufanele kucatshangwe ukuthi inzuzo kanye nezinga lobungozi bezinto ezithile zingahluka ngokuya ngesimo sezomnotho.

Namuhla sizamile ukutshela ngangokunokwenzeka mayelana nokutshalwa kwemali. Manje uyazi ukuthi kuyini, ungatshala kuphi futhi kanjani. Into esemqoka ukulandela izeluleko zochwepheshe futhi ungesabi lutho.

Ungayeki ukutshala imali ngenxa yokushoda kwezimali. Ungahlala uthola izinketho ezizokuvumela ukuthi wenze imali ngisho nangotshalomali oluncane - kusuka kuma-ruble ayi-100-1000.

Ekuphetheni, sikweluleka ukuthi ubuke ividiyo echaza ukuthi yikuphi ukutshalwa kwezimali ngamagama alula, nokuthi yiziphi izinhlobo ezinikezwe + izindlela zokutshala imali:

Futhi ividiyo yokuthi ungubani umtshali zimali nokuthi ungaba kanjani omunye:

Konke lokho okwethu.

Sifisa ukuthi zonke izinhlelo zakho zezezimali zigcwaliseke. Siyethemba ukuthi nguwe ozokwazi, ukuqala ngemali encane yokutshala imali, ukuthola imali yokuphila okunethezekile.

Bafundi abathandekayo beMibono Yempilo, sizokubonga kakhulu uma wabelana ngemibono kanye nokuphawula kwakho ngesihloko sokushicilelwa kumazwana angezansi. Kuze kube ngokuzayo emakhasini kamagazini wethu oku-inthanethi!

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