Ndivela kule nto uyiqondayo into oyiqondayo ipotifoliyo yotyalo-mali kwaye uyavuma ukuba kufuneka ibe nezixhobo ezahlukeneyo zotyalo-mali.
Ipotifoliyo eyenziwa ngokweliqumlo iqulathe izixhobo kuwo onke amaxesha. Kwaye amatyala anokulunga kwaye kubi. Ke ngoko, xa uqokelela ipotifoliyo yotyalo-mali, kubalulekile ukuba ukwazi ukuqikelela umngcipheko.
Masithi ugxothiwe ngomso. Eli tyala kufuneka linike umqamelo wezezimali-imali oya kuhlala kuyo. Kuyimfuneko ukucingela imeko yeqondo lokutsiba ebukhali. Ukuba idola iphinda kabini, kuya kufuneka ube nenzuzo eyaneleyo yedola yokubathengise ngokufanelekileyo kwaye uthenge ezinye iiasethi.
Umzekelo, ndithenga iidola zonyaka omtsha de ihambe. Kodwa ndiyawakhumbula ngokuthe ngqo, kodwa ngohlobo lwe-Eurobonds. Ndichitha kwakhona iphothifoliyo yam ngonyaka. Ngenxa yoko, ndinephothifoliyo elungileyo yotyalo-mali olunobuchule. Ndifuna ukuba wazi ukuba uza kuyenza njani kwimeko ethile kwitshintshiselwano lwesitokhwe.
Khumbula: Awunayo ilungelo lokuba nethemba. Abo bathengisa ngotshintshiselwano ngokunyaniseka belahlekile.Ukuqulunqwa kwePotifoliyo
Ngokungafaniyo nabanye ababhali abaninzi, andizukunika ukhetho. Ndinixelela nje ukuba kufanele ukuba bube ntoni.- Imali. Isebenza kakuhle ngemali kuzo zonke iimbono zabo. Oko kukuthi, ipotifoliyo yakho kufuneka ibandakanye nemali, engahlawulwanga, iidipozithi kunye nemali. Ingqwalaselo ekhethekileyo kufuneka ihlawulwe imali ngokuchanekileyo. Khange ndibengelilo elilize. Sebenzisa imali kuya kukuvumela ukuba uphephe ukubophelela eRussia. Ifuna umngcipheko onxulumene neRussia. Ukuba unenombolo enkulu yeedola okanye enye imali, emva koko inyuka i-suby yexabiso iya kuqala ukukuvuyisa. Ukwahlukaniswe nobunzima bezinto ezihlwempuzekileyo ezingenamali yokutyalomali kwaye ziqalise i-akhawunti yazo.
- Isitokhwe. Ukuthenga isiRashiya nakwamanye amazwe. Kwakhona, isitokhwe sangaphandle sibotshelelwe kwidola, ekhula yedwa. Ke unokwenza inzuzo kungekuphela nje ekuchitheni ixabiso lexabiso, kodwa ngenxa yokukhula kwedola.
- Iibhondi. Kucetyiswa ukubuyisela umva ukujonga iibhondi zamanye amazwe. Umzekelo, i-Eurobonds ithengwe ngemali kunye nesiqinisekiso sokutshintsha kwelizwe. Kwaye, uya kufumana enye inqanaba lemali apho iqhina likhutshiwe khona.
- Ipropathi. Qiniseka ukuba utyala imali kwindawo yokuthengisa izindlu nomhlaba. Ukuba awunayo imali eyaneleyo, unokutyala imali kwingxowa mali yendawo yokuhlala. Umbundu wokungena kuzo usemgangathweni kuwo usemgangathweni, kodwa uyakuqala ukwenza imali ngoncedo lwezenzo zentengiso.
- Izinyithi ezixabisekileyo. Olu lolunye lo utyalomali lokuqala onalo ekufuneka uyenzile. Ichithwe malunga ne-5-10% yazo zonke utyalomali. Kuba izinyithi azilindelekanga kakhulu kwixabiso labo, ke andizibali abazibali. Kwaye ndincoma ukugcina kolu hlobo lotyalo-mali.
Utyalomali olongezelelweyo
Ngasentla, bendithetha malunga ne-5 yezinto eziphambili zephothifoliyo yawo nawuphi na umtyali mali. Kodwa ziyacaca, kwaye ndifuna ukwazi malunga notyalo-mali olucacileyo olucacileyo. Umzekelo, kufuneka utyale imali kwimfundo yakho kunye nokukhula komsebenzi. Olu lutyalo-mali oluvumela ukuba unyuse umvuzo wakho. Ukuba unexesha elaneleyo namandla, yenza imithombo emininzi yengeniso. Umzekelo, ndibandakanyeke kwi-hobby enenzuzo engaphaya kwento endiya emsebenzini.
Khumbula ukuba utyalomali luya kuzisa iziphumo ezibonakalayo kuphela xa kutyalo mali kwixesha elide. Ke ngoko, kubalulekile ukuba unakekele impilo yakho kwaye ungakhathazeki. Emva koko unokuphila kangangesithuba seminyaka engama-90 kwaye uyonwabele inzuzo kutyalo mali olwenzileyo ebutsheni.
Sebenzisa ukhetho lweLizwe
Andikwazi ukufaka amagama ezimbalwa malunga nemeko yethu. Inomdla, ukuze abantu aboyiki ukutyala imali kutyalo-mali. Ngenxa yesi sizathu, izinto ozikhethayo ziyenziwa. Ngokukodwa, xa usebenza neepiphu, kunokwenzeka ukuba uphephe ukuhlawula irhafu yengeniso.