Ungatshala kuphi ama-ruble ayi-100,000-500,000-1000000 (million) ukuze uzuze - Izindlela ze-TOP-21 + nezeluleko eziyi-10 eziwusizo zokutshala

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Sawubona, bafundi abathandekayo bemagazini ye-Ideas for Life! Namuhla sizokutshela lapho ungatshala khona ama-ruble ayi-100,000-500,000-1,000,000 noma ngaphezulu ukwenza imali kulo nyaka.

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

Ngokuhlola okuthunyelwe kusukela ekuqaleni kuze kube sekugcineni, uzofunda futhi:

kungani kungcono hhayi ukugcina ama-ruble, kepha ukutshala imali kuwo;
yiziphi izindlela zokutshala imali ezingcono ongazisebenzisa uma unama-ruble ayingxenye yesigidi;
lapho ongatshala khona isigidi ukuze usebenze;
lapho ongatshala khona imali eyizigidi eziyi-10 zama-ruble noma ngaphezulu;
yini into eyinhloko yokutshala imali.

Ngaphezu kwalokho, ekugcineni kwendatshana uzothola 10 iseluleko esiwusizo kubatshalizimali.

Ngakho-ke siyahamba!

Mayelana nokuthi kungcono kuphi ukutshala ama-ruble ayi-100,000-500,000-1,000,000 ukuze uzuze - funda kumagazini wethu

1. Kungani kungcono ukutshala imali kuma-ruble, kunokuyigcina 💸

Imali yasebhange yeRuble, lapho abantu abaningi baseRussia begcina khona imali yabo, akukaze kube ngukutshalwa kwezimali okuthembekile. Ngezikhathi zenhlekelele, babe sebungozini obukhulu. Ngaphezu kwalokho, izinga lokwehla kwamandla emali manje seliphezulu kakhulu ↑ kunamanani wediphozi.

Akunzima ukuthola isiphetho esifanele: ukugcina imali kuma-ruble akusizi... Ngaphezu kwalokho, izinga lokwehla kwamandla emali lamanje lifaka ukungazuzi.
Uma unemali oyongile, noma ngabe ayinkulu kakhulu, kufanele uzenzele yona. Uma lokhu kungenziwanga, inhloko-dolobha izokwehla nakanjani ngenxa ye- ukwehla kwamandla emali futhi ukwehla ngamandla.

Ngokuvamile, ukutshala imali kuyindlela eqhubekayo kakhulu yokuphatha imali kunesitoreji esivame kakhulu sezimali. Lokhu kuyiqiniso ikakhulukazi lapho izimali zingama-ruble.

Hhayi ochwepheshe kuphela emkhakheni wezezimali, kepha futhi nabantu abavamile kakhulu bangahlola kalula imiphumela yokwehla kwamandla emali nokwehla kwamandla emali. Kwanele ukuvakashela ngezikhathi ezithile ezitolo, ukuthenga izimpahla nezinsizakalo ukubona ukukhuphuka okuqhubekayo kwamanani.

Izizathu eziyinhloko zokwehla kwemali yaseRussia ngamaqiniso alandelayo:

iruble iboshelwe kakhulu entengo kawoyela: lapho izinga lezinto zokusetshenziswa lehla ↓, amandla okuthenga weyunithi yemali ayashintsha ngempela;
unswinyo olubekwe amazwe angaphandle ngokumelene neRussia, yenza isikhundla se-ruble maqondana nezinye zezimali sibucayi kakhulu.

Akungabazeki ukuthi ezimweni ezinjalo, ukugcinwa kwemali kuma-ruble (ikakhulukazi amanani amakhulu) kuzoholela ekulahlekelweni yingxenye yezimali ngenxa yokwehla ↓ kwezindleko zangempela zemali.

Ngokuphambene nalokho, uma imali etholakalayo kungelula ukuyigcina, kodwa ukuyitshala, ukulahlekelwa kuyanxeshezelwa. Ngaphezu kwalokho, ngokukhetha ngempumelelo inketho yokutshala imali, ungathola futhi imali.

Ukutshalwa kwemali eyinhloko kusiza ukufeza ukuzinza kwezomnotho, kanye nokunciphisa ukulimala okuvela kokushaqeka okungenzeka kwehlele i-ruble ngokuzayo.

Ngaphezu kwalokho, inani lenzuzo lingahluka, kunqunywa inani elikhulu lezici. Enye yezinto ezibaluleke kakhulu imali etshaliwe... Kodwa-ke, noma ngabe unamalini, kungcono ukuthi utshale imali.

Ngakolunye uhlangothi, ukutshala imali ngokuzenzakalela kungumsebenzi onobungozi. Kodwa-ke, uma utshalomali lubonakala luphumelela, lungaqinisekisa inzuzo ezinzile kanye nokuvikeleka kwezezimali.

Izimbangela ezivame kakhulu zamaphutha abantu abasha abazotshala imali yilezi:

imizwa eyeqile lapho uthatha izinqumo;
izenzo ezibhekwa kabi;
ukungabi nesifiso sokwenza ngcono izinga lokufunda ngokwezimali.

Ukugwema la maphutha, kubalulekile ukutadisha imininingwane eminingi ngangokunokwenzeka ngezindlela ezahlukahlukene zokutshala imali. Ngaphezu kwalokho, kufanelekile ukulandela izeluleko ezinikezwa ochwepheshe kule ndaba. Funda mayelana nokuthi ungatshala kuphi imali ukuze uthole imali engenayo yenyanga ku-athikili yethu.

Izindlela ezinhle kakhulu lapho ungatshala khona ama-ruble ayi-100,000-200,000-300,000 ukwenza inzuzo

2. Ungatshala kuphi ama-ruble ayi-100,000 ukuze uzuze - TOP-9 izindlela ezinenzuzo zokutshala imali 📈

Ngaphandle kweqiniso lokuthi 100,000-200,000 ruble - inani lincane, kunezindlela zokutshala imali ezikuvumela ukuthi wenze imali enhlokodolobha encane kangako. Ngezansi kukhona okudume kakhulu.

Indlela yenombolo 1. Ukubolekiswa kwangasese

Ukubolekisa kwangasese kungenye yezindlela ezingasetshenziswa ekubolekweni kwemali yasebhange. Ngaphezu kwalokho, endimeni ababolekayo kungaba nabantu ngabanye nezinhlangano ezisemthethweni, nasendimeni okweletayo - noma iziphi izakhamizi ezinezimali zamahhala.

Inzuzo ukubolekisa kwangasese kwanele inzalo ephezulu... Zingahluka ngokuya ngezinga lobungozi, kanye nezinhlelo okukhishwa ngazo imali mboleko.

☑ 1) Izinsizakalo zokukhishwa kusuka ezinhlelweni zokukhokha

Iningi lezinhlelo zokukhokha ezithandwayo zinikeza abasebenzisi izinsizakalo ezikhethekile ezibasiza ukuthi bakhiphele imali mboleko komunye nomunye isikhathi esifushane. Ngaphezu kwalokho, izinga liphezulu impela.

Imvamisa, isilinganiso siphezulu kunamaphesenti ahlinzekwa yizinhlangano zezimali ezincane. Ngazo zonke izinsuku bathatha u-10-100% lapha. Izinga eliphakeme kangaka lihlotshaniswa nobungozi obukhulu - izibalo ziqinisekisa ukuthi ngaphezu kwengxenye yale mali mboleko ayibuyiswa.

☑ 2) Izinsizakusebenza Ezikhethekile

Enye indlela yezinhlelo zemalimboleko okukhulunywe ngazo phambilini yilezi izinsiza ezikhethekile zokubolekiswa kwangasese... Zisebenza ngokulandelayo: umtshalizimali udlulisela imali kuphrojekthi. Uhlelo ngokuzimela lukhetha ababoleki abahlangabezana nemigomo yokuthembeka, babeka isilinganiso esifanele, futhi bakhiphe imali mboleko.

Uma imalimboleko ikhokhiwe, uhlelo luzodlulisela imali yomtshalizimali nenzalo. Inani lizodonswa kunani elitholiwe ikhomishini iphrojekthi. Vele, kukhona nezingozi zokwehluleka ukwenza ngale ndlela yokubolekwa kwangasese. Kodwa-ke, banciphile ↓ kunasesimweni esedlule. Ngakho-ke, amanani aphansi lapha - 30-100% ngonyaka.

☑ 3) Imifelandawonye yezikweletu

Ama-cooperatives wesikweletu zisebenza njengohlobo lwendlela yokutshala imali, lapho inani elikhulu labasebenzisi lihlanganisa khona imali yalo ngenhloso yokuboleka kumboleki oyedwa. Ezweni lethu, lolu hlobo lokubolekisa aluthuthukiswa kahle namuhla.

Indlela yenombolo 2. Idiphozithi yasebhange

Ngendlela, ungahweba izimpahla zezezimali (imali, amasheya, i-cryptocurrency) ngqo ekushintshaneni. Into esemqoka ukukhetha umthengisi onokwethenjelwa. Enye yezinto ezinhle kakhulu le nkampani yokuhweba.

Ukufakwa kwemali ebhange kungenye yezindlela ezilula kakhulu zokutshala imali. Noma kunjalo, kufanele kukhunjulwe engqondweni ukuthi inzuzo yayo iphansi. Amanani aphezulu ahlinzekwa yibhange asiza ukubhekana nokwehla kwamandla emali noma acishe afinyelele kuwo. Kodwa-ke, ngeke kube lula ukuthola inzuzo yangempela.

Ochwepheshe batusa lapho ukhetha ibhange ukuvula idiphozi, ungafakwa ezikhungweni ezinkulu kakhulu zezikweletu. Imvamisa bayalela imigomo yabo kubafaka imali.

Ngenxa yalokhu, inzalo yamadiphozithi emabhange anjalo ihlala njalo okuphansi kakhulu ↓kunasezikhungweni zokubolekisa ezingathandwa kangako ezinikezela ngemigomo evumayo ukuheha abathengi.

Isikhathi esihle amadiphozi okufanele avulwe ngaso sicatshangelwaIminyaka 1-2.

Isikhathi eside asifanele, ngoba kunzima ukubikezela izinguquko ezimweni zemakethe zaleso sikhathi.
Lapho uvula idiphozi isikhathi esifushane, inani lenzalo lizoba liphansi.

Kubalulekile ukukhumbula: ezimweni eziningi, lapho idiphozi ivalwa kusenesikhathi, ofaka imali ulahlekelwa inzalo.
Ngakho-ke, uma udinga imali ngokuphuthumayo, ochwepheshe bakweluleka ukuthi ukhethe ukubolekwa kwemali. Kulokhu, umnikelo ungasebenza njengesibambiso.

Funda ku-athikili ehlukile mayelana nokuthi yiliphi ibhange elingcono ukuvula idiphozi nenzalo.

Indlela yenombolo 3. Izinsimbi eziyigugu

Imvamisa, ukufaka imali kuzinsimbi eziyigugu kusho ukutshala imali ngegolide... Yile nsimbi okuyinsimbi enesidingo esikhulu kunazo zonke emhlabeni wanamuhla. Ngasikhathi sinye, esikhathini eside, inani legolide likhula njalo ↑. Ngaphezu kwalokho, ngesikhathi sezinhlekelele ezinkulu emhlabeni, intengo yale nsimbi eyigugu iba phezulu.

Igolide liyigugu emhlabeni wonke. Lokhu kuchazwa iqiniso lokuthi noma yimuphi umbuso, noma ngabe isimo somnotho sinjani, ufuna ukwakha izinqolobane ezigcinwe ngegolide. Ekugcineni: lapho amanani ezimpahla ezahlukahlukene ehla, isidingo sezinsimbi eziyigugu siyakhula, futhi izindleko zegolide nazo ziyakhuphuka⇑.

Ezweni lanamuhla, ukufaka imali kuzinsimbi eziyigugu kulula kakhulu. Ukuze wenze lokhu, kwanele ukukhipha i-akhawunti yensimbi engeyona yomuntu (OMS)kunoma yisiphi isikhungo sezikweletu esihlinzeka ngezinsizakalo ezinjalo.

Ngemuva kokutshala imali etholakalayo, iklayenti lithola amadokhumenti ku-akhawunti lapho kufakwa khona igolide, inani lalo lilingana nosayizi wediphozi. Kodwa-ke, umuntu akufanele acabange ukuthi iklayenti lizoqala ukuhola ngokushesha. Ungenza inzuzo enkulu ngegolide kuphela eminyakeni 5-10.

Indlela yenombolo 4. Izimali ezihlangene

Namuhla izimali ezihlangene ezweni lethu kusathuthuka. Kodwa-ke, amanye amabhange amakhulu kakhulu ahlele izimali ezihlanganyelanayo ezilungele ukutshalwa kwezimali.

Izimali zokutshala mutual ukutshalwa kwezimali okusekelwe ezimisweni zokuphathwa kwetrasti:

umtshali-zimali uthola amasheya ngemali yakhe ekhona, okuyingxenye yempahla yesikhwama;
Isikhwama sokubambisana Ihlanganisa izimali ezitholwe ekuthengisweni kwamasheya nenhlokodolobha yayo futhi yenze utshalomali. Ngokuya ngomphumela wokutshalwa kwezimali, ubukhulu bemali yesikhwama buyakhuphuka - ngenxa yenzuzo noma ukuncipha - ngenxa yokulahleka, ngokulandelana, inani lesabelo ngasinye liyakhula noma lehle.

Inzuzo Izimali ezihlangene ngokuvunwa okuphezulu kunamadiphozithi asebhange. Ngasikhathi sinye, izinga lobungozi cishe lisezingeni elifanayo.

Indlela yenombolo 5. Forex

I-Forex yindlela yokutshala imali evumela ukuthi wenze imali yangempela. Noma kunjalo, ekusebenzeni kuphela 2 ye 10 abadayisi bathola inzuzo. Okunye - khipha idiphozi, uthi i-Forex ayikho ngaphezu kokukhohlisa.

Ukufunda ukwenza imali emakethe yokushintshaniswa kwamanye amazwe, kufanele ufunde isikhathi esanele. Okokuqala, izimfanelo ezingokwengqondo zomthengisi wangempela kufanele zakhiwe. Isinyathelo esilandelayo ukutadisha ukuhlaziywa kobuchwepheshe... Ngemuva kwezifundo ezimbalwa, kuzocaca ukuthi inkambo ayihambi ngesiphithiphithi, kepha ngokuya ngemigomo ethile. Funda i-athikili ehlukile ngalesi sihloko - "Imfundo ye-Forex".

‼ Noma kunjalo, kubalulekile ukuqonda: Ulwazi lulodwa alwanele. Kuthatha isikhathi esiningi kubasebenzisi abaningi ukuthuthukisa i-psychology ethile, isu labo lokuhweba. Imvamisa ngesikhathi sokuqeqeshwa, kudonswa imali eminingana.

Ngakolunye uhlangothi, inani lemali engenayo etholwe ku-Forex ngqo lincike enanini lemali etshaliwe. Kodwa naphezu kwalokhu, esigabeni sokuqala, ochwepheshe ungatusi vula idiphozi ngaphezu kwe- Izinkulungwane eziyi-100-200 ama-ruble.

Iqiniso ngukuthi imakethe yezimali zangaphandle ihlotshaniswa nenani elikhulu lezingozi. Kuze kube yilapho usukwazi ukuhweba ngokugcwele, akufanelekile ukubeka engozini imali eningi.

Kuyanconywa futhi ukuthi uqaphele kakhulu lapho ukhetha i-Forex broker. Abathengisi abaningi abaphumelelayo basebenza ngale nkampani yomthengisi.

Imininingwane engaphezulu ngokuhweba nge-Forex ikuvidiyo:

Indlela yenombolo 6. Izinketho kanambambili

Enye yezindlela ezisheshayo zokwenza imali ngokutshala imali okuncane ukuthi ongakhetha kanambambili... Ukuze wenze inzuzo ngale ndlela, kubalulekile ukuba nesimo sengqondo esifanele sokubeka engozini, futhi ufunde ukutadisha ngokucophelela isimo semakethe.

Ukwenza imali, umsebenzisi kufanele aqagele kahle ukuqondiswa kokuhamba kwesilinganiso sensimbi enkulu ngemuva kwesikhathi esithile.

Lapho isikhathi siphela, kusala ukuhlola umphumela:

Uma isibikezelo besilungile khona-ke inani lempahla engaphansi lizoya ngendlela efanele, futhi umsebenzisi azothola inzuzo kunani le- 65 ngaphambi 85%.
Uma ukubikezela kuvela ukuthi akulungile, umhwebi ulindele isilonda ngezinga le- 80-100% kusuka ezimalini ezibeka inketho.

Ochwepheshe batusa lapho uthatha isinqumo sokutshala imali kuzinketho kanambambili, khetha umthengisi ngokucophelela. Kungcono ukhethe inkampani enedumela elihle futhi elawulwa yizinhlangano ezizimele.

📌 Abanye abasebenzisi bakholelwa ukuthi yinhlanhla kuphela engenza imali uma usebenzisa izinketho kanambambili. Bacabanga ngezimali ezifana roulette umdlalo.
Eqinisweni, le ndlela ayilunganga ngokuphelele. Kwanele ukwenza umzamo omncane nokutadisha imigomo yezinguquko ezilinganisweni zempahla eyinhloko ukwenza ukubikezela kunembe kakhudlwana. Ngenxa yalokho, amathuba okwenza inzuzo azokhula.

Lapho uhweba izinketho kanambambili, kunezinketho ezi-2:

biza inketho ukusebenza kokuthenga impahla eyinhloko, okungukuthi, umhwebi uzokwenza inzuzo lapho isilinganiso sikhuphuka;
beka phansi iphakamisa ukuthengisa, okungukuthi, imali engenayo izoba lapho kwenzeka ukwehla kwenani lethuluzi.

Phakathi kwezinzuzo eziphambili zezinketho kanambambili kukhona okulandelayo:

Umhwebi angakhetha kwinani elikhulu lamathuluzi okuhweba. Ngisho nabaqalayo abakwazi ukusebenza hhayi ngamabhangqa alula wemali, kepha nangamafutha, izinsimbi eziyigugu nanoma yiziphi ezinye izimpahla.
Inani lenzuzo kanye nezinga lobungozi laziwa ngaphambili. Umhwebi angakwazi, noma ngaphambi kokuthenga inketho, aqonde ukuthi uzohola malini uma kunesibikezelo esifanele nokuthi uzolahlekelwa kangakanani uma kwenzeka okungalungile. Abanye abathengisi bavumela abasebenzisi ukuthi ngokuzikhethela bakhethe iphesenti lenzuzo nokulahleka.
Noma yimuphi umtshalizimali angafinyelela kalula izinketho kanambambili nganoma yisiphi isikhathi. Ngamanye amagama, umsebenzisi akadingi ukulanda nokufaka noma iyiphi isoftware. Ngaphezu kwalokho, asikho isidingo sokuzikhomba. Ukuze uqalise, kwanele ukufaka insiza eku-inthanethi yesikhulumi sokuhweba.
Ukuhweba okukhethwa kukho kanambambili kwenziwa ngaphandle kokuphazamiseka. Ngezimpelasonto nangamaholide, ukuhweba kuyaqhubeka ngokuqhubekayo. Ngakho-ke, ungenza inzuzo nganoma yisiphi isikhathi.
I-interface yokuhweba yakhelwe ngendlela yokuthi inembile ngisho nomthengisi we-novice. Impela konke ukunyakaza kusilinganiso sempahla engaphansi akunakwa. Umphumela wokugcina kuphela obalulekile.

Ngaphandle kwenani elikhulu lezinzuzo, izinketho kanambambili, njenganoma yiziphi ezinye izinsimbi zezezimali, ezine- ama-minus.

Ububi bokusebenza ngezinketho kanambambili yilawa:

Isibikezelo ngasinye esingalungile sihlanganisa ukulahlekelwa okufika kuma-90% wezimali ezitshaliwe kuthengiswano. Imvamisa leli inani elikhulu ngokwanele ukubuyisa inzuzo, uzodinga ukufezekisa impumelelo okungenani ku 3-x ukuthengiselana.
Lapho usebenza ngezinketho kanambambili, ayikho indlela yokuvala isivumelwano ngaphambi kokuphela kwesikhathi esibekiwe. Ngisho nasezimeni lapho umsebenzisi abona khona ukuthi wenze iphutha, futhi inkambo iqhubeka iye kolunye uhlangothi, akakwazi ukushintsha lutho. Umhwebi kufanele alinde kuze kuphele isikhathi.
Ukuhweba okukhethwa kukho kanambambili akubandakanyi ukuzuza. Kuvela ukuthi umhwebi angasebenza kuphela enhlokodolobha ayitholayo. Lokhu akukuvumeli ukuthi uthole imali ethe xaxa, yize kunesici esihle kulokhu - abukho ubungozi bokubeka engozini imali eningi kunalokho obe kuhlelwe ekuqaleni.

Ngakho-ke, okukhethwa kukho kanambambili akuvumeli kuphela ukonga imali, kepha futhi nokukhulisa kakhulu.Ukwenza lokhu, kubalulekile ukuqonda ngokucophelela isimo sezomnotho, ukhethe ithuluzi eliqondakalayo kuwe futhi ufunde ukubikezela ushintsho lwalo.

Sincoma ukubukela ividiyo mayelana nezinketho kanambambili:

Indlela yenombolo 7. Hypes

Hypes - uhlobo lotshalo-mali oludala impikiswano enkulu. Kepha naphezu kwakho konke, abanye abanikazi bezimali abangasabi ukufaka izingozi benza imali enhle ngabo.

Ingqikithi yayo, i-HYIP iyiphiramidi elincane lezezimali. Kule phrojekthi, abasebenzisi bathenjiswa inzalo enkulu kumadiphozithi. Kulokhu, izimpikiswano zingahluka: kucatshangwa ukuthi, izimali ziqoqelwa amadiphozi ezimpahleni ezinenzuzo ephezulu.
⚠ Empeleni izimali eziqoqiwe zisetshenziselwa ukukhokha inzalo kubatshalizimali abangene kuphrojekthi phambilini. Lapho iphiramidi ikhula, ayisekho imali eyanele yokukhokha. Kunendlela eyodwa kuphela yokuphuma kulesi simo - ukuqothuka okuyiphutha kwephrojekthi.

Ngokubona ukuthi i-HYIP iyiphiramidi ejwayelekile, abaningi bakholelwa ukuthi akunakwenzeka ukwenza imali kumaphrojekthi anjalo. Noma kunjalo, lokhu akulona iqiniso ngokuphelele.

Iqiniso ukuthi ukuze kudonse isibalo esiphezulu sabatshalizimali, ama-HYIPs esigabeni sokuqala akhokha inzalo ethenjisiwe. Ngokuya ngosayizi wephrojekthi, lesi sikhathi singahlala isikhathi eside inyanga nenyanga.

Kuvela ukuthi uma ubona i-HYIP ephumelelayo ekuqaleni, ungenza imali enhle ngayo. Abanye abatshalizimali basizakala ngalokhu. Batshala imali kuphrojekthi, futhi ngemuva kwesikhashana bayayithatha kanye nenzalo.

Le nketho iyingozi impela, ngoba yilabo kuphela abakwazi ukukhipha imali ngesikhathi abangenza imali. Labo abangenaso isikhathi sokukhipha imali ngaphambi kokuqothuka bazolahlekelwa yimali abayitshalile.

Indlela yenombolo 8. I-Cryptocurrency

Ukuthandwa kwama-cryptocurrensets ezweni lesimanje kukhula njalo. Kodwa-ke, kusengudaba lwezingxabano ngenani elikhulu labatshalizimali.

yedwa cabanga ukuthi ama-cryptocurrensets njengamabhamuza angaqhuma noma nini.
abanye abatshalizimali ngokuphambene nalokho, bathi inqobo nje uma kunesidingo esikhulu semali ye-elekthronikhi, futhi nenani lazo lilinganiselwe, izindleko zabo zizoba phezulu.

I-Cryptocurrency, kumongo wayo, yi ikhodi yekhompyutha... Iyunithi yemali enjalo ayinakho ukwakheka ngokomzimba, akukho lutho olunikezwayo. Ngaphandle kwalokhu, ama-cryptocurrensets adingeka kakhulu. Bathandwa kakhulu yilabo abafuna ukuthi izinkokhelo zabo zihlale zingaziwa.

Kunezinhlobo eziningi zama-cryptocurrensets. Enkulu kunazo zonke ngokomlando iyimali yokuqala ye-elekthronikhi - bitcoin.

Ukwenza imali nge-idijithali yemali, ungasebenzisa eyodwa ye- 2Izinketho ze -x zokutshala izimali:

Ukuhweba noma ukuhweba nge-idijithali yemali kokushintshisana - umsebenzi osebenzayo ngenani elikhulu lokuthengiselana (okusetshenzisiwe ukuhlaziywa kobuchwepheshe);
Ukutshala imali kwi-cryptocurrency kuyinqubo yokwenziwa kanye neyesikhathi eside, lapho indima ebalulekile idlalwa ukuqoqwa kolwazi mayelana ne-cryptocurrency ethile, yayo ukuhlaziywa okuyisisekelo.

Indlela yenombolo 9. Ukwakhiwa kwesisetshenziswa sakho se-Intanethi

Ngale nketho yokutshala imali, amaphrojekthi e-inthanethi ahlukahlukene ayinto yokutshala imali: amasayithi, amabhulogi, ahlukahlukene imininingwane, futhi izinsiza zokuzijabulisa.

Umtshalizimali uqondisa imali etholakalayo ekwenyuselweni kokuqala kwephrojekthi:

ukuthengwa kwesizinda;
ukwakhiwa nokuthuthukiswa kokubukeka kwesayithi;
ukusetshenziswa kwekhwalithi ephezulu ye-SEO;
ukugcwalisa iphrojekthi ngokuqukethwe okuwusizo nokuhehayo.

Sesibhalile mayelana nokuthi ungayenza kanjani iwebhusayithi mahhala noma ngezindleko eziphansi zezimali kwenye yezincwadi zethu - sincoma ukuthi siyifunde.

Uma ungenaso isikhathi namandla okwenza iphrojekthi yakho, ungathenga indawo elungile... Lokhu kwenziwa ngenhloso yokuqalisa kabusha insiza, ukugcina ukuthandwa kwayo, nokwenza imali ngokukhangisa.

Enye iphrojekthi enenzuzo yokutshala imali isitolo esiku-inthanethi... Ngaphandle kokuthi namuhla inani elikhulu lezinsizakusebenza selivele lisebenza kunethiwekhi, usengathola inzuzo enhle kule ndawo. Kodwa-ke, ngalokhu kubalulekile ukudala iphrojekthi eyingqayizivele futhi uyithuthukise kahle. Funda kabanzi ngalokhu esihlokweni esithi "Ungasivula kanjani isitolo esiku-inthanethi - imiyalo yesinyathelo ngesinyathelo".

Ngale ndlela, kunezinketho eziningi, lapho ungatshala khona ama-ruble ayi-100,000, ama-ruble angama-200,000 noma angama-300,000... Ngaphambi kokukhetha okufaneleke kakhulu, kubalulekile ukutadisha zonke izindlela ezitholakalayo, qhathanisa izinga lobungozi nenzuzo.

Izinketho ezinenzuzo lapho ungatshala khona ama-ruble ayizinkulungwane ezingama-500,000-700 ukuze uthole imali engenayo yenyanga

3. Ungatshala kuphi ama-ruble angama-500,000 (isigamu sesigidi) ukuze uthole - TOP-6 izindlela ezinenzuzo 📊

Uma inhlokodolobha yomtshali zimali kusuka kuma-ruble angu-500,000-600,000, amathuba okutshala imali anda kakhulu. Izindlela ezithandwa kakhulu zokutshala imali kuleli cala zethulwe ngezansi.

Indlela yenombolo 1. Ukutshalwa kwezimali kwizibambiso

Enye yezinketho zendabuko zokutshala imali ukutshala imali kwizibambiso. ⚠Noma kunjalo, kufanele kukhunjulwe engqondweni ukuthi ukusebenzisa le ndlela kuzodinga ulwazi olukhethekile lwezezimali. Uma bengekho, kuzodingeka udlulisele izimali kubaphathi bezingcweti.

Kubalulekile ukuqonda: kokubili ukuhweba okuzimele futhi esimweni sokuphathwa kwe-trust, akunakwenzeka ukuqinisekisa inzuzo... Iqiniso ngukuthi imakethe yezokuphepha ihlale igcwele ubungozi. Noma kunjalo, imali engenayo lapha ingaba phezulu kakhulu.

Lapho ethatha isinqumo sokutshala imali kwizibambiso, umtshalizimali kufanele akhumbule imithetho ebaluleke kakhulu:

Imali etholakala mahhala kuphela engatshalwa kwizibambiso. Ngamanye amagama, kufanelekile ukutshala izimali kuphela ezingeke zisetshenziswe okungenani izinyanga eziyisithupha ezizayo.
Ukutholwa kwamasheya ngezikhathi zobunzima kuvame ukukuvumela ukuthi uthole imali eyengeziwe.
Noma ikuphi ukwehla ↓ kwenani lamasheya kufanele kulandelwe ukwanda ↑. Ngakho-ke, akufanele uwasuse, wesaba ukwehla okukhulu kwezinga lokushintshisana.
Ukwehla kwenani lezibambiso akusho ukuthi umtshali-zimali uzolahlekelwa. Umphumela wanoma yisiphi isivumelwano ungahlolwa kuphela ngemuva kokuvalwa.
Ungajahi umbono weningi. Imvamisa, uma abasebenzisi abaningi ekushintshanisaneni bethi umzuzu omuhle ufikile ukuthenga noma ukuthengisa ukuphepha okuthile, lokhu kuyinkomba yokuthi ubuncane nobukhulu sebuvele bunqotshiwe.
Kubalulekile ukwehlukanisa izingozi. Ngale njongo, imali enkulu kufanele itshalwe kwizibambiso ezahlukahlukene.
Ngesikhathi sokwehla kwamandla emali, ukwehla kwezimali kwenzeka, hhayi ukuphepha.

Yize kunezingcuphe ezinkulu lapho utshala imali kuzinto zokushintshana ngamasheya, ukutholwa kwazo kungakhuphula izinhlokodolobha izikhathi eziyishumi eminyakeni embalwa nje. Noma kunjalo, izimo ezinjalo azivamile.

Indlela yenombolo 2. Ukutshala imali ngezezimali

Ezweni lethu, ukuhola imali ngokutshalwa kwezimali ezahlukahlukene kuye kwaduma kusukela ezinsukwini zeSoviet Union. Kepha kufanele kukhunjulwe ukuthi ngalezo zinsuku, amayunithi emali amazwe angaphandle ayeswele. Ngakho-ke, ukufunwa kwabo kwakuphezulu kakhulu.

Kodwa-ke, namuhla intengo yemali iyakhiwa ngokuya ngemigomo yobudlelwano bemakethe. Ngenxa yalokhu, ukwelulekwa kokutshala imali kumayunithi emali manje sekudala impikiswano enkulu.

Ochwepheshe bayaqiniseka: ukutshala imali ngemali kuwufanele ekuqaleni kwenhlekelele yomhlaba noma esimeni esibucayi ezweni elithile.
Ngalesi sikhathi, kwehla ↓ isilinganiso sanoma iyiphi iyunithi yemali. Kodwa-ke, sekuvele ngemuva 12-18 izinyanga ezimeni eziningi, inani lemali libuyela kunani lalo langaphambilini. Esikhathini esedlule, yilokho kanye okwenzekile nge-ruble, i-euro, kanye ne-pound sterling.

Ochwepheshe bathi kuze kube yilapho isikhathi siphuthelwa, kufanelekile ukutshala izimali ezilandelayo:

Amayunithi emali emazweni wesithathu emhlabeni. Izimali ezinjalo zingaphansi kokukhula okungapheli kwenani. Kuhlala kunesidingo sazo, ngakho-ke, uma kunesidingo, zingathengiswa njalo.
Izimali ze-Arab. Lezi zingxenye zemali zisekelwa yigolide. Ngenxa yalokhu, izimali zama-Arabhu ziyamelana nokwehla kwamandla emali. Ngakho-ke, ngaphandle kwazo zonke izinhlobo zokushintshashintsha emakethe yomhlaba, izinga labo liphakeme ngokungaguquki.
Ama-cryptocurrensets kamuva nje ziye zanda kakhulu. Esikhathini esifushane kakhulu, inani labo lingakhuphuka ngokujulile, liwe futhi libuyele ezingeni langaphambilini.

Ukutshalwa kwezimali ngezimali ezahlukahlukene kufanelekile kubatshalizimali abakhetha umsebenzi osebenzayo. Umnikazi wenhlokodolobha kuzodingeka ukuthi aqhubeke nokuqapha isimo sephothifoliyo yakhe, enze izinqumo ezibaluleke kakhulu, kwesinye isikhathi kaningi ngosuku. Ngasikhathi sinye, abatshalizimali abaphumelelayo bayakwazi ukuzicebisa kakhulu enkingeni eyodwa.

Indlela yenombolo 3. Ama-akhawunti we-PAMM

Ukutshalwa kwezimali kuma-akhawunti e-PAMM kumele kudluliselwe imali ekuphathweni kwezethembiso ngabahlanganyeli abanolwazi emakethe yezezimali. Kuvela ukuthi umtshalizimali uboleka imali yakhe kochwepheshe. Imenenja, isebenzisa izindlela ezahlukahlukene, izama ukwenza inzuzo.

Imvamisa, uma usebenzisa ama-akhawunti we-PAMM, izimali zitshalwa kuzinsimbi zezimakethe zokushintshana nezinye izindawo ezethembisayo. Umtshalizimali ulinde imiphumela nje. Kuyavela lokho le ndlela iyisibonelo sokwenza inzuzo ngokungenzi lutho ezingeni eliphansi ngokwanele lobungozi.

Lapho usebenzisa ama-akhawunti we-PAMM, umtshali-zimali akadingi noma yiluphi ulwazi olukhethekile emkhakheni wezezimali. Kwanele ukukhetha inketho ethembekile futhi utshale imali kuyo. Impumelelo ekutshalweni kwemali kunqunywa kakhulu ukukhetha okufanele kwe-akhawunti ye-PAMM. Ukuze uphumelele, kuzodingeka uchithe isikhathi esiningi nomzamo.

Indlela yenombolo 4. Ibhizinisi Lakho

Ochwepheshe abaningi bayavuma ukuthi indlela engcono kakhulu yokutshala imali ukutshala imali ebhizinisini lakho... Ekuboneni kokuqala, le nketho ilula. Kodwa-ke, kunzima ukufeza impumelelo ebhizinisini lakho, futhi akuwona wonke umuntu ophumelelayo.

Ubunzima buvele busivele esigabeni sokwakha ibhizinisi. Uzodinga umbono omuhle webhizinisi kanye nemali. Uma uhlela ukuvula inkampani enkulu, ungadinga ukuheha abatshalizimali. Kubalulekile futhi ukufaka isicelo sokwesekwa kwabantu abanomqondo ofanayo.

Izibalo ziyaqinisekisa yini konke 20% osomabhizinisi bebelokhu bethuthukisa ngempumelelo iphrojekthi yabo isikhathi eside. Kepha labo abaphumelele bakwazile ukuthengisa izinkampani zabo ezinkampanini ezinkulu ngezizumbulu zemali. Yilokhu okuqinisekisa futhi ukuthi imvamisa isizathu sokwehluleka kwebhizinisi labo ubuvila, ukungabekezeli nokusebenza kanzima.

Indlela yenombolo 5. Ukutshala imali ekuthuthukiseni uhlelo lokusebenza

Ukwenziwa kohlelo lokusebenza - isiqalo esidumile emhlabeni wonke. Cishe uhhafu wosomabhizinisi abavela emazweni ahlukene bakhetha lokho. Imvamisa baqala ukuzakhela izicelo zabo ngaphandle kokushiya umsebenzi wendabuko. Kodwa-ke, lapho bephumelela, umsebenzi ojwayelekile uba yisicefe kubo.

Ngemali etholakalayo, abatshalizimali bangakha i-niche ekuthuthukisweni kohlelo lokusebenza. Kusanda kuqala ukukhula. Kufanele kukhunjulwe ukuthi ukuthi kuthatha cishe 20% wezimali ezitshaliwe, imali esalayo izodingeka ukukhushulwa, okungukuthi, ukukhangisa.

Kunezindlela ezi-2 eziyinhloko zokwenza izinhlelo zokusebenza:

ukuzakhela uhlelo lokusebenza, kodwa-ke, ukuthuthuka nokukhushulwa kwayo kudinga inani elikhulu lesikhathi nomzamo;
ukubandakanyeka kwabasebenzi abazimele abaqashiwe kule nqubo izodinga olunye utshalomali lwezezimali.

Kuthatha cishe 1 000 amadola. Ukwenza iphrojekthi ebucayi online, kuzodingeka usebenzise imali eningi kakhulu. Futhi lokhu ngaphandle kokubheka izimali ezidingekayo zokukhushulwa. Uma iphrojekthi iphumelela, utshalomali luzokhokha kungakapheli izinyanga eziyisithupha.

Indlela yenombolo 6. Ukuthengwa kwephrojekthi ye-inthanethi

Ukuthenga amawebhusayithi ngokuziphatha okufanele kwabatshalizimali kungukutshalwa kwemali okunenzuzo. Noma iyiphi iphrojekthi ye-Intanethi ingaba ngumthombo wokwenza imali, umkhiqizo wokuphinda uthengiswe, indlela yokwazisa ngempahla yakho kanye nezinsizakalo.

Kunezindlela ezi-2 zokwenza inzuzo ekuthengeni amaphrojekthi we-Intanethi:

ukuthengiswa kokukhangisa;
ukuthengiswa kabusha kwesiza.

Inketho ngayinye inokwayo buhle futhi ama-minus... Ngaphambi kokuthatha isinqumo sokusebenzisa noma iyiphi inketho, kubalulekile ukutadisha ngokucophelela izici zomunye nomunye wabo.

Ukuqala ukwenza imali ngokukhangisa, isinyathelo sokuqala ukuthenga isiza esifanelekile. Lokhu kuzodinga hhayi ngaphansi 50 000 ama-ruble... Futhi, imali ingadingeka ukuze kugcwaliswe insiza ngokuqukethwe kwekhwalithi ephezulu nokuphakanyiswa kwayo. Lapho isayithi lifinyelela ukuthandwa okuthile, abakhangisi bazokhokha imali yokuthumela imininingwane ngabo kusisetshenziswa. Ngenxa yalokhu, iphrojekthi ingaletha kumnikazi wayo kusuka ku-5 kuya ku-15 ayizinkulungwane zama-ruble ngenyanga... Ngokufanele, lapho imali engenayo ifinyelela ezindlekweni, isisetshenziswa sizoqala ukwenza inzuzo.
Ukuthengiswa kabusha kwamasayithi athengiwe kuyindlela enzima kakhulu yokutshala imali. Ukwenza imali kulokhu, ulwazi namakhono kuyadingeka ekuhlolweni, nasekuqalisweni kwamaphrojekthi we-Intanethi. Ukuthola umkhuba kule ndawo, ochwepheshe bancoma ukuqala ngokwakhiwa okuzimele komthombo, ukugcwaliswa kwawo, kanye nokuphakanyiswa. Ngemuva kwalokho, ungathengisa iwebhusayithi eqediwe. Kuphela lapho inqubo isidluliswe ngokuphelele, lapho ungaqhubeka khona nokutholakala kwezinsizakusebenza ngenhloso yokuqhubeka nokuthengisa kabusha.

P.S. Sincoma futhi ukuthi ufunde indatshana yethu yokutshala imali kwi-Intanethi.

Njengoba ukwazi ukubona, kunezindlela eziningi lapho ungatshala khona ama-ruble ayizinkulungwane ezingama-500-700 bese uhola... Ngokwemvelo, lolu hlu aluphelele. Sichaze kuphela izinketho ezithandwa kakhulu lapha.

Izindlela ezinenzuzo lapho ungatshala khona ama-ruble ayisigidi noma ngaphezulu

4. Ungatshala kuphi ama-ruble ayisigidi (1,000,000) noma ngaphezulu ukwenza imali kulo nyaka - TOP-6 izindlela ezihamba phambili 💰

Usayizi omkhulu Ama-ruble ayi-1 000 000 nokuningi - inani lotshalo-mali lihlaba umxhwele impela. Ngonhlamvukazi yalolu sayizi, ungathola inani elikhulu lezinketho zokutshalwa kwalo. Ukutholwa kwebhizinisi elenziwe ngomumo

Ukutholwa kwebhizinisi elenziwe ngomumo kuyindlela efanelekile yokutshala imali uma unemali enanini lika Ama-ruble ayizigidi eziyi-1-3... Le ndlela yathandwa kakhulu eYurophu ngasekupheleni kweminyaka engamashumi ayisishiyagalolunye.

Ngalesi sikhathi, kwavela osomabhizinisi abadinga imali ngokushesha, kanye nalabo ababekhathele yibhizinisi labo nje. Yibo abaqala ukusebenzisa amaphrojekthi aselungiselelwe labo ababebathanda kakhulu.

Ochwepheshe bayeluleka: ngaphambi kokuthenga ibhizinisi elenziwe ngomumo, qiniseka ukuthi liyasebenza ngempela. Ukuze wenze lokhu, kuzodingeka ukuthi uxhumane nabasebenzi.
Uma ibhizinisi lincane, kungcono ngisho nokuthola umsebenzi bese usebenza eqenjini. Lokhu kuzosiza ukuqonda ukuthi mangaki amaklayenti akhona, noma ngabe umsebenzi uletha inzuzo emenyezelwe. Ngenxa yalokhu, kuzocaca ukuthi kunengqondo yini ukuthola ibhizinisi elinjalo.

Uma uthenga iphrojekthi eyenziwe ngomumo, awudingi ukuyivula, ulwe nabancintisana nabo, usethe inqubo, inqobo nje uma izindleko zincishisiwe - konke lokhu sekuzokwenziwa. Ngaphezu kwalokho, imigomo eyisisekelo yokusebenza izocaciselwa umthengi.

Usomabhizinisi kuzofanele alawule izinqubo futhi enze inzuzo. Ukuze uqonde ngokushesha imininingwane yomsebenzi, udinga okungenani ubuncane besipiliyoni ekwenzeni ibhizinisi.

Funda kabanzi ngokutshalwa kwezimali kumabhizinisi namaphrojekthi wokuqalisa esihlokweni sethu.

Indlela yenombolo 2. Inhlangano yebhizinisi esuselwa ku-franchise

Labo abafuna ukuqhuba ibhizinisi labo abakwazi ukuthenga kuphela umsebenzi owenziwe ngomumo, kepha futhi bakha ibhizinisi ngokususelwa kulo ama-franchise, okuyilungelo elibhalisiwe lokusebenzisa uphawu lokuhweba.

Ngamanye amagama, le ndlela yenza ibhizinisi ngaphansi komkhiqizo odumile.Ezimweni eziningi, i-franchise inikezwa izinhlangano ezivela embonini yokudla okusheshayo nezindawo zokudlela.

Phakathi kwezinzuzo zokuqala ibhizinisi lama-franchise kukhona okulandelayo:

induduzo;
lula;
ukuzinza;
Ukuthola inzuzo.

Ngokukhetha okulungile kozakwethu, usomabhizinisi uzothola imininingwane ephelele ebheka zonke izinto zokwakha ibhizinisi, kanye necebo lokuthuthukisa ibhizinisi. Ukubambisana nemikhiqizo yomhlaba wonke kuvumela usomabhizinisi ukuthi asebenzise ulwazi lwabo oluyimpumelelo ekuzithuthukiseni kwabo emkhakheni okhethiwe.

Ukuthenga i-franchise bese uqala ibhizinisi, kuzofanele usebenzise imali okungenani ama-ruble angu-300,000-400,000... Imikhiqizo ethandwa kakhulu idinga ama-ruble ayizigidi eziningana.

Izinkomba ezilandelayo zifakiwe enanini lezindleko:

izindleko ze-franchise;
izindleko zokuqala ibhizinisi lakho;
imali ebanjwayo, ezokhokhwa njalo ngenyanga.

Indlela yenombolo 3. Ukutshalwa kwezimali ekuqaleni

Namuhla izimali ekuqalisweni okuhlukahlukene zimele enye yezindlela zokutshala imali ezinenzuzo enkulu eYurophu naseMelika. Isiko lokutshala imali lenziwa ngentshiseko kulezi zifunda. Kungakho osomabhizinisi abasafufusa bethula imibono yabo emphakathini jikelele. Nakhu ukuthi bathola kanjani abatshalizimali abangaba khona.

Ukutshala imali ekuqaleni - hhayi kuphela imali enenzuzo enkulu, kepha futhi iyingozi kakhulu. Namuhla, inani elikhulu lentsha lifuna ukusebenzisa imibono yalo, edinga ukutshalwa kwezimali okukhulu kwezimali. Kodwa-ke, akubona bonke abaqonda ukuthi bangahlela kanjani kahle ibhizinisi ukuze benze inzuzo. Le ingozi enkulu ehlotshaniswa nokutshalwa kwezimali ekuqaleni.

Kubalulekile ukuqonda ukuthi ezweni lethu ayikho isiko lokuqalisa namuhla. Ngakho-ke, ngokutshalwa kwemali okunjalo kungcono ukhethe amaphrojekthi angaphandle, ngoba ayinangozi kangako... Kodwa-ke, uma umtshali-zimali engayiqondi yonke imikhakha yokwenza ibhizinisi esifundazweni esithile, ngakho-ke asikho isiqinisekiso sokuthi iphrojekthi ekhethiwe izoletha inzuzo.

Ngenkathi ubungozi bokutshala imali kuma-Startups buphezulu, izimbuyiselo zingaba nkulu kakhulu. Abatshalizimali abakhethe iphrojekthi yokutshala imali efanele bakhulisa imali yabo eyikhulu kaningi.

Indlela yenombolo 4. Ukudluliswa kwemali eyethenjwa

Ukuphathwa kweTrust - isevisi evele emakethe yezezimali muva nje. Namuhla inikezwa inani elikhulu lezinkampani: amabhange, futhi izikhungo ezikhethekile futhi inhlangano.

Okusemqoka ekuphathweni kwetrasti ukuthi umtshali-zimali udlulisela imali yakhe enkampanini ethile ehlinzeka ngosizo okukhulunywa ngalo, futhi usezuze impumelelo endaweni ethile.

Imvamisa, ukuphathwa kwe-trust kwenziwa yizinkampani ezisebenza ngokushintshana. Badinga ukwakha inhlokodolobha yabo etshalwe ekuhwebeni. Lokhu kusiza izinkampani ezinjalo ukunciphisa ubungozi ekuhwebeni. Ngaphezu kwalokho, ingxenye yenzuzo etholwe enhlokodolobha yomtshali-zimali ikhokhelwa yona ngendlela ikhomishini.

Ochwepheshe bancoma ukuthi ukhethe inkampani yokuphathwa kwe-trust ukuze unikeze okuthandayo ezinhlanganweni ezisebenza emkhakheni wezamabhange nezezezimali.

!!! Akufanele uthembe imali kosomabhizinisi ngabanye, kanye nakubadayisi abancane. Ezimweni eziningi, laba bahlanganyeli bemakethe abanalo ulwazi nobuchwepheshe. Abakwazi ukuzenzela imali ngokwabo ngakho-ke balwela ngamandla abo wonke ukuheha imali yabanye abantu.

Indlela yenombolo 5. Ukutshalwa kwezimali ku-real estate

Ochwepheshe abaqondi ukuthi kungani ukutshalwa kwezimali ku-real estate kusathandwa ezweni lethu. Eqinisweni, azinamanzi futhi azenzi nzuzo ikakhulukazi (muva nje).

Namuhla, imali engenayo evela ekutshalweni kwemali kwempahla ngamanani ngamaphesenti idlula amanani wediphozi kuphela 3-4 into. Ngasikhathi sinye, ukwenziwa kwempahla ezimweni eziningi kusezingeni eliphansi kakhulu.

Ngaphandle kobubi obukhulu bokutshala imali kwizakhiwo, iningi labantu imali yalo yamahhala idlula 1 ruble ayisigidiqhubeka nokutshala imali kule ndawo.

Izindlu ezithengiswayo zilungile kuphela ngoba zizinzile. Muva nje, noma kunjalo, izinsimbi eziningi zokutshala imali bezikhula ngentengo ngentshiseko enkulu ukwedlula ingcebo.

Ngaphezu kwalokho, ezinye zezindlu eRussia zehle ngentengo eminyakeni yamuva. Vele, emadolobheni amakhulu kunawo wonke, ingcebo isabiza kakhulu. Kodwa-ke, intengo yayo yenqaba ngenkani ukukhula.

✏ Isifunda saseMoscow singashiwo njengehlukile. Ilokhu ikhula njalo, ngakho-ke inenzalo yokutshala imali. Kodwa-ke, nalapha, konke akulula kangako: ukuqagela ukuthi iziphi izifunda ezizoletha inzuzo, futhi yiziphi - isilonda kungaba nzima.

Eqinisweni, ukutshalwa kwezimali kwempahla etholakala eRussia kufanele abanikazi bezimali ezinkulu ezinkulu abafuna ukuzihlinzeka hhayi kakhulu kakhulu, kodwa imali engenayo ezinzile... Isikhathi esimaphakathi sokubuyiselwa kwalokhu kutshalwa kwezimali ngu- Iminyaka 5-10.

Ngemininingwane engaphezulu ngokutshala imali kwizakhiwo, bona ividiyo:

Uma inhloso yomtshali-zimali ukuthola umholo ophakeme ozinzile, ochwepheshe beluleka ukutshala imali kwizakhiwo ezisendaweni eseMpumalanga noma eNtshonalanga Yurophu. Emazweni alezi zifunda, izindleko zempahla enjalo zikhula ngamandla kuneRussia. Lokhu kungenxa yokuthutheleka okukhulu kwabafuduki ezifundazweni ezikhona lapha.

Indlela yenombolo 6. Ukuthengwa kwezingcezu zobuciko ezihlukile

Ekugcineni, sizokwethula indlela yokutshala imali enempikiswano enkulu, kepha engeyona ethokozisayo - ukuthengwa kwezingcezu zobuciko ezihlukile.

Uhlangothi olulodwa, konke kulula lapha - udinga ukuthenga imisebenzi yabadwebi abadumile, ababazi bemifanekiso, nabanye abaculi. Ngemuva kwalokho, kusala ukuwathengisa ngezindleko eziphakeme kubaqoqi.
Ngokwesinye isandla, konke akulula kangako lapha. Ukuthola inani langempela lombukiso ngokuheha utshalomali, kudingeka imfundo ekhethekile. Uma ingekho, kuzofanele uthintane nochwepheshe ngaphambi kokuthola ulwazi olunzulu.

Eqinisweni, inhlokodolobha in Ama-ruble ayi-1,000,000 (million) inikeza abatshalizimali ithuba lokuzikhethela elibanzi. Ukuze izimali ziphumelele, kubalulekile ukukhetha lezo zinketho lapho okungenani kunolwazi oluncane khona.

Ukuqhathanisa izindlela zokutshala imali ezichazwe ngenhla kube lula, sihlanganise izici zabo eziyinhloko kuthebula elingezansi.

Cha indlela yokutshala imali	Izici Key	Ukwenza inzuzo	Izinga lobungozi
# 1 Ukutholwa kwebhizinisi elenziwe ngomumo	Kubalulekile ukwenza isheke sokuqala sento yokunamathisela	Kuya ngempumelelo yebhizinisi elithengiwe	Ephakathi
Organization2 Ukuhlelwa kwebhizinisi nge-franchise	Akunasidingo sokuthuthukisa umqondo ngokwakho	Kuya nge-franchise ethengiwe	Ngokukhetha okulungile, phansi
# 3 Ukutshala imali ekuqaleni	Asathuthuki eRussia	Unganyusa imali oyitshale imali izikhathi ezingamakhulu ngesikhathi esifushane	Kukhulu
No. 4 Ukuphathwa kweTrust	Kubalulekile ukudlulisela imali kumphathi onokwethenjelwa	Kuya ngenkampani ekhethiwe	Ngokukhetha okulungile komphathi - isilinganiso
# 5 Ukutshalwa kwezimali ku-real estate	Kungcono ukutshala imali kwimpahla yaphesheya kwezilwandle	Phansi	Phansi
№6 Izinto zobuciko	Kudinga imfundo ekhethekile noma usizo lochwepheshe	Uma iphumelele, ingaba phezulu	Ephakathi

Sincoma ukubuka ividiyo "Ungatshala kuphi ama-ruble ayi-1,000,000":

5. Ungatshala kuphi ama-ruble ayizigidi eziyi-10 (million)? 🔎💸💰

Umbuzo, iyiphi indlela yokutshala imali ongayisebenzisa uma kunenhlokodolobha enanini Ama-ruble ayizigidi eziyi-10, ingavela kubo bobabili abatshalizimali abanolwazi nabasanda kuqalwa. Lokhu kungenxa yokuthi ungathola kuphela imbuyiselo ephezulu kunhlokodolobha uma ukhetha into efanele yokutshala imali. Ngakolunye uhlangothi, uma umtshali-zimali enenani elikhulu kangako, kusho ukuthi kungenzeka ukuthi usenamakhono adingekayo.

☝ Kuncike ekutholakaleni 10 ama-ruble ayisigidi umtshalizimali uyavula ebanzi uhlu lwezinketho zokunamathiselwe. Kodwa ochwepheshe batusa ungasebenzisi indlela eyodwa kuphela yokutshala imali. Kungcono kakhulu ukwehlukanisa izingozi zokuhlukanisa imali ibe izingxenye bese uzama ukuyitshala ezindaweni ezahlukahlukene ezahlukahlukene.

Ukuze uthole imali engenayo ezinzile, okokuqala, kufanele uvule Idiphozithi yasebhange... Ngaphandle kokuthi inzuzo evela kule nketho incane, idiphozi ingaba yimbi umcamelo wezezimali... Uma kunezinkinga ngenye inketho yokutshala imali, leyo mali engenayo ingamboza ukulahleka okuvelayo.

Inketho enengqondo yokutshala imali phambi kwama-ruble ayizigidi eziningana ukwakhiwa (amaphrojekthi asakhiwa)... Ngasikhathi sinye, umtshali-zimali uthola ingcebo yokuhweba noma yokuhlala, okuyisikhathi sokuthenga esisezigabeni zokuqala zokwakha. Ezimweni eziningi, ngalesi sikhathi, amanani abo mancane. Ngemuva kwalokho, ngokuthuthuka kokwakhiwa, inani lempahla linyuka ngokuqhubekayo ↑.

Kumtshali-zimali, ukukhetha okulungile kwesikhathi sokuthenga kubaluleke kakhulu. Kubalulekile ukuthi impahla isabizi, kepha intshisekelo yamakhasimende angaba khona sevele ivele ngayo. Kulokhu, ngemuva cishe 6-12 ezinyangeni kuzokwenzeka hhayi kuphela ukubuyisa izimali ezitshaliwe, kodwa futhi nokwenza inzuzo enanini lika cishe 20%.

Uma ufuna ukuthola okuningi ekutshaleni imali ekwakhiweni, ungalinda kuze kuthuthukiswe ingqalasizinda yesifunda bese uthengisa impahla leyo kuphela. Ngasikhathi sinye, ukuze uqale ukuthola imali ngaphambili, into ingaqashwa.

Abanini bamabhizinisi amakhulu bangacabanga futhi utshalomali lwebhizinisi.

Kuze kube manje, ochwepheshe batusa ukunaka lezi zindawo ezilandelayo:

izinkampani ezahlukahlukene zokupheka;
ukukhiqizwa kokudla;
ukukhiqizwa kwephrofayili;
izinkampani zezinsizakalo;
ukuvulwa kokuheha izingane epaki noma enxanxatheleni yezitolo.

Uma umtshali-zimali engakwazi ukudala ibhizinisi yedwa, angathenga ibhizinisi elenziwa ngomumo. Ngasikhathi sinye, ngaphezu kokuthenga konke okudingekayo ukuqhuba ibhizinisi, isisekelo samakhasimende siyatholakala, kanye nabo bonke oxhumana nabo babahlinzeki.

Enye indlela ethandwayo yokuqala ibhizinisi lakho yile ukuthengwa kwe-franchise... Kulokhu, usomabhizinisi uthenga ilungelo lokusebenzisa uphawu oludumile emisebenzini yakhe. Umthengi we-franchise uthola usizo ekwakheni nasekuhleleni ibhizinisi lakhe. Ngaphezu kwalokho, izosekelwa ngumnikazi we-franchise.

Ngemali eyanele, ungathenga i-franchise eyaziwa kakhulu. Okudume kakhulu kule ndawo namuhla yi izinkampani zokupheka (isib. I-KFC, UMcdonald's), futhi izitolo zezingane ezahlukahlukene (Umhlaba wengane, Imvubu). Uma uthatha isinqumo sokwenza ibhizinisi lama-franchise, kubalulekile ukuthi uhlaziye ama-niches wamahhala edolobheni lakho bese ugijimela ukuwasebenzisa.

Usonhlamvukazi enanini 10 ama-ruble ayisigidi ivumela umtshalizimali ukuthi anciphise kakhulu ubungozi to ngenxa yabo ukwehluka... Ngasikhathi sinye, kubalulekile ukukhetha izinketho ezinjalo zokutshala imali ezingeke zibe nenzuzo kuphela, kepha futhi kuzoba mnandi futhi kwaziwe ngumnikazi wezimali.

Inhlolovo: Luphi utshalomali olungcono kakhulu?

6. Into ebaluleke kakhulu yokutshala imali 📢

Kulesi sihloko, sibuyekeze izindlela ezithandwa kakhulu zokutshala imali ezingaba yinzuzo. Noma kunjalo, ungakhohlwa ukuthi into ebaluleke kakhulu yokutshala imali kufanele ihlale ubuntu zimali... Eqinisweni, kubalulekile ukuthola imfundo esezingeni, uthenge konke okudingekayo ulwazi, zenzele okwakho amathalente.

Kungakho ochwepheshe bancoma ukuqala noma yikuphi ukutshalwa kwezimali ngokwakhiwa kobuntu babatshali zimali.

Ukufunda ukwenza imali enkulu ngokuzayo, kuzodingeka usebenzise isikhathi esiningi ekuqeqesheni, futhi ukuthuthukiswa kwezimfanelo ezibaluleke kakhulu zomtshali-zimali onekhono:

ukumelana nengcindezi;
ukubekezela;
ikhono lokucabanga kahle nokwenza izinqumo ezidingekayo ngokushesha.

Akunandaba nomkhakha womsebenzi, kanye nezinga emphakathini, noma yimuphi umuntu ophumelelayo uchitha isikhathi esithile ukuzithuthukisa... Kungakho, lapho ufuna izinketho zokutshala imali, ochwepheshe bancoma ukucabanga, mhlawumbe isikhathi sesifikile lapho imali etholakalayo kufanelekile ukutshala kuwe.

Izincomo namathiphu asebenzayo okutshala imali

Izeluleko ezi-7.10 eziwusizo kubatshalizimali ☝

Noma yimuphi umuntu onengqondo uphupha ngokuzimela kwezezimali. Indlela efakazelwe yokukufeza ngukutshala imali ngokuhlakanipha. Kodwa-ke, ngaphambi kokuthi noma yikuphi ukutshalwa kwezimali kuqale ukuletha inzuzo yangempela, kubalulekile ukuthi ufunde ngokucophelela izeluleko zochwepheshe.

Uma ungalaleli abeluleki abanolwazi, ngeke wehluleke ukufeza imali engenayo kuphela, kepha futhi ulahlekelwe yimali oyitshalile. Ngezansi kukhona Izeluleko eziyi-10 ezifakazelwe, ngokulandela lapho unganciphisa ubungozi futhi wandise imali engenayo.

Ithiphu 1. Tshala imali kuphela mahhala

Ochwepheshe batusa ukutshala imali kuphela lezo zimali ngaphandle kwazo esikhathini esizayo esiseduze kuzoba lula ukuzenza. Awukwazi ukutshala imali edingekayo ukuhlangabezana nezindleko eziyimpoqo. Lesi samba kufanele singaphepheki. Ukukhulula imali yokutshala imali, unganciphisa izindleko zokuzijabulisa.

Ochwepheshe abatusi: invest izimali ezibolekiwe futhi impahla ebanjiswayo yokutshalwa kwemali. Kubalulekile ukukhumbula ukuthi noma yikuphi ukutshalwa kwezimali kunengozi. Ukubeka imali engcupheni, okusekela inhlalakahle yezinto ezibonakalayo, kungenzeka kuphazamise izinga lempilo.

Ithiphu 2. Tshala imali kuphela ezintweni oziqondayo

Uma ulandela lesi seluleko, ungaqinisekiswa ukugwema ukulahleka kwezimali, okubangelwa ukungabi nalwazi ngento yokutshala imali.

Kodwa-ke, lokhu akusho ukuthi yonke imali kufanele itshalwe emkhakheni owodwa owaziwa kuwo wonke ama-nuances. Lapho ukhetha into yokutshala imali, kubalulekile ukutadisha ngokucophelela zonke izakhiwo zayo. Kubaluleke kakhulu ukuthola ulwazi oluphelele mayelana nendawo yokutshala imali.

Ithiphu 3. Ungavumeli imizwa yakho ithathe izinqumo

Imizwelo eyeqile ingaba isitha esikhulu sanoma yimuphi umtshalizimali. Enqubweni yokwenza izinqumo, kubalulekile ukugcina ingqondo isangulukile nokubala okupholile. Abatshalizimali abanolwazi bahlala benethezekile ngazo zombili izinzuzo kanye nokulahleka okungaba khona.

Uma ezethemba isu lokutshala imali elikhethiwe, ngisho nezikhathi ezinde zokulahlekelwa azikwazi ukumlinganisela. Kulokhu, umtshalizimali uyaqonda ukuthi kungekudala noma nini umzuzu wenzuzo uzofika. Ngemuva kokunqotshwa yimizwa, umtshali-zimali ngeke azuze inzuzo ayifunayo. Ukwesaba okweqile kuzoholela ekubalweni okungalungile okuyiziphukuphuku.

Ochwepheshe batusa: uma kunomuzwa wokuthi imizwa eyeqile ibonakala, kufanele ume bese uhlehlisa ukwenza isinqumo esibalulekile. Kwanele ukuphazanyiswa ukwenza okuthandayo ukuhlola inkinga ngomoya ophansi. Lokhu kuzokusiza wenze isinqumo esilinganiselayo, esifanele.

Ithiphu 4. Yiba nesineke

Umtshalizimali kufanele aqonde: noma yikuphi ukutshalwa kwezimali kwemali kungaletha imali engenayo ephezulu kuphela uma itshalwe isikhathi eside ngangokunokwenzeka.

Vele kunezindlela zokukhulisa imali izikhathi eziningana ngenyanga nje. kodwa kune ngenhla ↑ inzuzo, ngakho-ke ngenhla ↑ izinga lobungozi. Ngakho-ke, kunethuba elikhulu lokulahlekelwa yizo zonke izimali ezitshaliwe.

Ngasikhathi sinye, inhloso enkulu yanoma yimuphi umtshalizimali ukuthola hhayi imali ephezulu, kodwa engenayo ezinzile, inqobo nje uma ingozi incishisiwe ↓. Ngamanye amagama, ngaphansi kwalezi zimo kungenzeka ukuthi kube khona ukwehla, kepha ukukhipha imali ngokuphelele akunakwenzeka.

Ochwepheshe batusa lapho utshala imali ukuze uvumelane nabo isikhathi esithile okungenani iminyaka eyi-10... Noma yikuphi ukutshalwa kwezimali okungathi sína kudinga ubude besikhathi obukhulu bokuthi busetshenziswe. Kungakho kunconywa ukuthi ucabange ngokutshala imali usemncane impela.

Ithiphu 5. Thuthukisa uhlelo lwezenzo bese unamathela kulo ngqo

Umtshalizimali kumele aqonde ukuthi ziyini izinhloso zakhe nokuthi yini okufanele ayenze ukuze azifeze. Kungakho kubalulekile ukuthuthuka isu lokutshala imali... Kuzosiza ukuxhasa umtshalizimali ngalezo zikhathi lapho kukhona ukwehla.

Ithiphu 6. Qiniseka ukuthi wonga imali

Abanye abantu basebenzisa ngokuphelele yonke imali abayitholayo. Abantu abanjalo baqinisekile: bathola imali engenayo kuphela ukukhokhela izindleko zabo.

Kepha ungakhohlwa ukuthi ukusebenzisa imali kumnandi kakhulu lapho singekho isidingo sokucabanga ngokuhlala uyithola. Ukuze wenze lokhu, kuzodingeka uqoqe okungenani imali encane. Ekugcineni, lokhu kuzosiza ukuletha inkululeko yezezimali eduze.

Ochwepheshe batusa buthelela okungenani Ingxenye yeshumi yezimali ezitholakele.

Eqinisweni, noma yikuphi ukutshalwa kwezimali kuklanyelwe ukuqoqa inani elikhulu lemali elizosiza ukuqeda isidingo sokusebenza ngokuqhubekayo. Ukwakha isisekelo sokutshala imali, kufanele uqale ubeke imali isikhathi esithile.

Ithiphu 7. Hlukanisa izingozi zakho

Wonke umuntu uyazi isaga sokuthi awukwazi ukubeka onke amaqanda akho kubhasikidi owodwa. Ngamanye amagama, ongoti ungatusi tshala yonke imali entweni eyodwa yezimali. Lo mthetho kufanele ulandelwe ngisho nasezimweni lapho umtshali-zimali eqiniseka ngokuthembeka kwethuluzi.

Lapho utshala imali, kubalulekile ukwehlukanisa imali phakathi kwamabhizinisi amaningi ezezimali. Uma inani lenhlokodolobha lincane kakhulu, Thenga kangcono amayunithi ezimali ezihlangene... Izinkampani ezinjalo ngokwazo zifuna ukwehlukanisa izingozi zazo, bese zisabalalisa imali ephakathi kwezokuphepha ezahlukahlukene.

Ithiphu 8. Lwela ukuvuselela

Wonke umuntu owaziyo ifomula yenzalo ehlanganisiwe, qonda ukuthi kusiza ukukhulisa imali eyi-times amahlandla amaningi. Lokhu kungenxa yokutshalwa kabusha kwemali etholakele. Ngamanye amagama, inzuzo etholakele ingezwa enhlokodolobha, ngenxa yalokho, ngokuzayo, inzalo iya enzalweni.

Ithiphu 9. Ungajahi ukutshala imali

Ochwepheshe hhayi batusa ukushesha ukutshala imali. Awukwazi ukutshala imali ngoba nje ufuna ukwenza inzuzo ngokushesha.

Qaphela! Uma okwamanje ingekho into efanelekile yokutshala imali, kungcono ume bese ubeka eceleni imali. Ngokushesha noma kamuva, umzuzu ofanele uzofika, khona-ke imali izotshalwa kuthuluzi elifanele.

Awungeke usheshe futhi utshale izinto ezingabazisayo, unqotshwe yiziqinisekiso zokukhangisa. Ezimweni eziningi, lezo zenzo ziholela ekukhishweni kwemali enkulu.

Ithiphu 10. Thuthukisa wena

Indima enkulu ekutshalweni kwemali, njenganoma iyiphi enye indawo yempilo, idlalwa ngu ukuzithuthukisa... Akufanele nanini waneliswe yilokho osekuzuziwe. Kubalulekile ukukhumbula ukuthi izimakethe ziguquka njalo. Abatshalizimali abahlakaniphile bahlonza lezi zinguquko ngesikhathi esifanele futhi bazisebenzisele ukuceba.

Kubalulekile ukuthi wazi izindaba ezisemqoka, ukuthuthukisa njalo ulwazi lwakho emkhakheni wokuhlaziya. Ungakhohlwa ukuthi uma ungayi phambili, nakanjani uzobuyela emuva.

Ukulandela ngokunembile izeluleko ezingenhla kuzokhulisa amathuba okutshalwa kwezimali okuphumelelayo.

Ukuba nemali enkulu kungaba yisiqalo sokutshala imali. Kubalulekile ukukhetha indlela yokutshala imali hhayi ngokungahleliwe, kepha ngemuva kokuhlaziya inani lemali etholakalayo, kanye nesimo samanje.

Uma wenza ngendlela ethile, ulandela iseluleko sochwepheshe, ungakhuphula kakhulu amathuba okubuyela kutshalo-mali.

Ekuphetheni, sincoma ukubuka ividiyo mayelana nokuthi kungcono kuphi ukutshala inani lama-ruble ayi-100,000-1,000,000 (million) noma ngaphezulu ukuthola imali:

Yilapho sigcina khona.

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Uma unemibuzo, ukuphawula noma okungeziwe kulesi sihloko, bese ubhala kumazwana angezansi. Sizojabula futhi uma wabelana ngendatshana yakho ekuxhumaneni nomphakathi. Kuze kube yisikhathi esilandelayo!

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