Ungaqala kanjani ukutshala imali manje!

Ucabanga ukuthi awunayo imali eyanele ukuqala ukutshala imali? Unephutha! Kulungile uma ungenayo imali eyanele yokuqala ukutshala imali. Kungakhathaliseki ukuthi utshalomali lwakho lokuqala luncane kangakanani, lungakusiza wenze izinqumo ezinkulu zezimali. Akunzima ukuqala ukutshala imali.

Ingxenye ebaluleke kakhulu yokutshala imali ukuzifundisa wena. Uma ukuqonda ukutshala imali kangcono, uzozizwa ukhululekile ukukhulisa iphothifoliyo yakho.

Yilapho okufanele uqale khona uma ufunda lokhu. (Izifundo ze-PS zikhombisa ukuthi abesifazane bangakwazi ukutshala imali ngendlela emangalisayo.

Iyini ngempela i-investment?

Uma uthatha isinqumo sokutshala imali, uzoyifaka emotweni engakunika imbuyiselo. Uthemba ukuthi utshalomali olwenzayo lugcina lukhula. Ezimweni eziningi, ulindele ukuba nesabelo esincane uma usutshale imali.

Abantu abaningi bajwayele ukutshala imali esitokisini, kodwa zikhona ezinye izindlela zokutshala. Ungakwazi futhi ukutshala ebhizinisini lakho noma ingcebo. Ungalindela ukwenza imali noma kuphi lapho utshala khona.

Kungani kubalulekile ukutshala imali?

Ukutshala imali kuyindlela engcono kakhulu yokwandisa ingcebo yakho ngekusasa. Nokho, akukhona nje ukonga imali yakho.

Ukwakha ikusasa lezezimali, kubalulekile ukonga imali. Amandla okwehla kwamandla emali anganciphisa ukonga kwakho. Ngisho noma i-akhawunti yakho yokulondoloza isazoba nenani elifanayo eminyakeni eyishumi, ngeke ibe namandla okuthenga afanayo njengamanje.

Ngokutshala imali, ungakhulisa imali yakho futhi ugweme ukwehla kwamandla emali. Idatha yomlando ibonisa ukuthi i- Inzuzo yemakethe yamasheya ibe ngu-6-7%Engeza ukwehla kwamandla emali kulesi sibalo. Lezi zimbuyiselo zingakhuphula kakhulu ukonga kwakho esikhathini eside.

Amandla osonhlamvukazi ayithuluzi elinamandla Khulisa ukonga kwakho. Uma unquma ukutshala kabusha inzuzo yakho eminyakeni embalwa, uzozuza kumphumela wokuhlanganisa. Ukutshala kabusha inzuzo evela ekutshaleni kwakho kungakusiza ukhulise ingcebo yakho ngokuhamba kwesikhathi.

Uma umgomo wakho uwukudala ingcebo ngokushesha, ukutshala izimali kungase kube inketho engcono kakhulu. Esikhundleni sokuhweba isikhathi ngemali, yenza imali yakho isebenzele ingcebo yakho.

Lapho imali yakho iqala ukuthola imali emalini oyitshalile, uzoyeka ngokuphelele ngokuya ngomsebenzi wakho wosuku noma ukonga kwakho.

Yisiphi isikhathi esingcono kakhulu sokuqala ukutshala imali?

Ake siqale ngokukhuluma ngesikhathi sokutshala imali ngaphambi kokukhuluma ngezinketho ezinhle zokutshala imali kwabaqalayo. Amasu okutshala imali ngokuvamile anesikhathi eside somkhathizwe. Kungcono ukutshala imali ngokushesha ngangokunokwenzeka. Ngokushesha lapho uqala ukutshala imali, yilapho uzoba nesikhathi esiningi sokuthi utshalomali lwakho lukhule.

Lezi zimali ezitshaliwe zivame ukusetshenziswa uma usuthatha umhlalaphansi. Kungcono ukuqala ngokushesha ngangokunokwenzeka. Uzofuna ukunikeza ukutshalwa kwezimali kwakho isikhathi esiningi sokuqongelela ingcebo yakho.

Ukutshala imali kuyingxenye ebalulekile yohlelo lwakho lwezezimali. Kodwa ngaphambi kokutshala imali, kufanele uqonde izinto eziyisisekelo. Ake sibheke kabanzi.

Ngemuva kwalokho, Khokha imali mboleko enenzalo ephezulu

Isinyathelo sokuqala sokutshala imali ukukhokha izikweletu. Kufanele ukhokhe zonke izikweletu eziqeda izimali zakho nyanga zonke.

Isikweletu senzalo enkulu ikakhulukazi. Lesi sikweletu sizokubiza kakhulu ngenxa yenzalo ehlanganisiwe. Uma ususikhokhile isikweletu sakho, uzokwazi ukutshala imali ngokukhululeka. Isibonelo isikweletu sekhadi lesikweletu elinenzalo enkulu.

Kukhona isikhwama sezimo eziphuthumayo

Akukuhle ukuphila ngeholo lakho. Ungaba nenkululeko eyengeziwe yezezimali ngokuba nesikhwama sezimo eziphuthumayo. Kufanele ucabangele ukudala isikhwama sezimo eziphuthumayo ngaphambi kokutshala imali.

Uma usukhokhe izikweletu zakho wakha isikhwama sezimo eziphuthumayo, sekuyisikhathi sokutshala imali. Amandla okuhlanganisa asebenzela wena uma uqala usemncane. Qala ukutshala imali namuhla, noma ngabe unamakhulu ambalwa amadola.

Khumbula ukugcina lezi zinto engqondweni Uma inkampani yakho ikunikeza okuthile ngokushintshanisa utshalomali lwakho, kuyithuba elihle lokubamba iqhaza. Eqinisweni, yimali yamahhala.

Kwabaqalayo, indlela yokutshala imali

Ikusasa lakho lezezimali lingashintshwa ngokutshala imali. Awudingi imali eningi ukuze uqale ukutshala imali. Kwesinye isikhathi okudingayo ukuze uqale ukutshala imali amadola ambalwa.

Ungase futhi ube nomgomo wokutshala izimali ukuze ukhulise ukutshalwa kwezimali kwakho esikhathini eside. Kodwa ungavumeli izinsiza ezilinganiselwe zikuvimbele ekwenzeni ingcebo yesikhathi eside.

Kungenzeka ukusebenzela inkampani ehlinzeka ngama-akhawunti okutshala imali. Lawa ma-akhawunti ngokuvamile aklanyelwe ukukusiza ukuthi wonge okuhlelelwe intela uma usuthatha umhlalaphansi.

Izinkampani eziningi zinikeza i-401 (k) kanye ne-403 (b). Uma inkampani yakho inganikezi i-akhawunti yomhlalaphansi, cabanga ukuvula i-Roth IRA ukuze uqale ukulondolozela umhlalaphansi. Zombili ziyizimali ezinhle kakhulu zabaqalayo.

2. I-robo-advisor iyindlela enhle Lena indawo enhle yokuqala ukutshala imali njengomuntu osaqalayo.

Kwabaqalayo, abeluleki be-robo bangaba enye yezindlela eziphumelela kakhulu zokutshala izimali I-robo-advisor ingachazwa njengomeluleki wezezimali obonakalayo.. Ama-algorithms nobuchwepheshe kuqeda isidingo someluleki wezezimali.

Le softhiwe ingahlinzeka ngezinsizakalo zokuphatha izimali ezishintshayo futhi zenze ngendlela oyifisayo ukutshalwa kwezimali kwakho ukuze kulingane nemigomo yakho. Ungafunda konke odinga ukukwazi mayelana nokutshala izimali ezitokisini.

Lena indlela enhle yokutshala imali uma ufuna izindlela zokwenza imali encane. Abacebisi beRobo ngokuvamile banezinkokhelo eziphansi, kodwa uthola izincomo eziqondene nawe zephothifoliyo. Abeluleki be-Robo ngokuvamile banezidingo eziphansi zokutshala izimali, futhi babhalansisa ngokuzenzakalelayo iphothifoliyo yakho.

Hlola lezi zinhlelo zokusebenza zokutshala izimali uma unentshisekelo ku-robo-advisor.

ama-acorns

ama-acorns Kwenza umsebenzi ube lula kulabo abasaqala ukutshala imali. Kubiza u-$5 kuphela ukuze uqalise futhi kuthatha imizuzu embalwa kuphela ukubhalisa. Ungayisebenzisa njenge-akhawunti yokulondoloza noma ukutshala imali yakho eyengeziwe.

Ingxenye yeholo lakho ingasetshenziselwa ukutshala imali kuphothifoliyo yakho yokutshala imali. Kunezinketho ezimbili zokubhalisa ezitholakalayo. Olunye uhlelo lomuntu siqu olubiza u-$3 ngenyanga kanti olunye lukhava umndeni wakho ngo-$5 ngenyanga.

Vuselela

Lena inketho enhle kakhulu yokuthuthukisa impilo yakho. Ngoba banikela ngokutshalwa kwezimali okuzenzakalelayo, kanye nama-akhawunti okulondoloza inzuzo ephezulu noma i-akhawunti yokuhlola yamahhala. Banikeza izinhlobonhlobo zezinketho zephothifoliyo ezihlukene, ongakhetha kuzo ngokusekelwe ekubekezeleleni kwakho ubungozi kanye nemigomo.

Qala ngamadola ayi-10 kuphela. Nokho, izimali zakho zokutshala zizohluka kuye ngohlobo lwephothifoliyo oyikhethayo. Nokho, Uhlelo olunemali yonyaka engu-0,25% Ilungele abasaqalayo njengoba idinga ibhalansi encane engu-0. Ngenxa yentela ephansi kanye nezimali ezikhokhwayo zokuphatha, ama-TEF afakiwe kumaphothifoliyo wesitoko namabhondi.

I-SoFi

I-SoFi ingaba yindawo enhle yokuqala ukutshala imali. Ungaqala nge-$1 kuphela, elungele abaqalayo Ungaqala ukwakha ingcebo ngokushesha ngokwenza imali oyitshalile. Abakhokhi mali yokuphatha, okubenza bafanelekele abasaqalayo nabatshalizimali abasha. Asikho isidingo esincane se-akhawunti futhi ukusetha kabusha okuzenzakalelayo kungenziwa.

Abahlinzeki ngezinhlobo eziningi zama-akhawunti, kodwa banikeza inqwaba yamaphothifoliyo afanele abaqalayo. Kuyamangaza futhi ukuthi ungaqala nge-$1 kuphela.

3. Thola i-akhawunti ye-brokerage

Namuhla kunezinketho eziningi zokutshala izimali. Ziningi izinsiza zokutshala izimali ezitholakalayo namuhla. Ngamunye wabo unikeza izinsizakalo ezahlukene ngamanani ahlukene. Cabanga ngalokho okubaluleke kakhulu kuwe lapho ucabangela izinketho. Kwezinye izimo, kungase kudingeke ukuthi uhwebe izitoko njalo.

Amafemu amabrokerage angangeza ngokushesha lezi zimali zomsebenzi. Ungakhetha futhi ukukhokha imali yesikhwama senkomba. Kuzo zombili izimo, uzodinga i-akhawunti ye-brokerage ukuze unciphise izindleko ezihlobene nesu lakho lokutshala imali.

Kunama-akhawunti amaningi e-brokerage akuvumela ukuthi utshale noma ngabe unemali encane. Kunezinketho eziningi ezinhle ongakhetha kuzo:

Ukwethembeka

I-Fidelity, omunye wabaphathi bempahla abakhulu kakhulu emhlabeni Zingaphezu kwezigidigidi zazo emhlabeni, futhi zihlehlela emuva ku-1946. Ungakhetha phakathi kwamasheya, ama-mutual funds noma amabhondi. Banikeza nezitifiketi zediphozithi.

I-Fidelity iyatholakala Ukuhweba okwabiwe ngokwengxenye kuyindlela yokwenza ukutshalwa kwezimali kufinyeleleke kalula kubatshalizimali abasaqala. Azikho izimali zokuvula i-akhawunti noma ubuncane, kanye nezimali ezikhokhelwayo ezingu-0.

I-TD Ameritrade

Enye inketho enhle kakhulu yi-TD Ameritrade kubatshalizimali abasaqalayo. Ungakwazi futhi ukuqala ngemali ephansi, njengamakhomishini ayiziro, ukuhweba okuncane, izimali zedatha, kanye nezimali zepulatifomu. Banikeza izinketho eziningi zokutshala imali kwabaqalayo, njengezitoko, amabhondi, nezimali.

4. Izitifiketi zediphozithi

Ama-CD, izitifiketi zediphozithi (ama-CD), awutshalomali oluhle kwabaqalayo futhi ayindlela enhle yokubeka imali yakho. Baphinde banikeze ngendawo yokukhulisa imali yakho uma unokubekezelela ingozi enkulu. Nakuba cishe ngeke uthole inzuzo ephakeme evela emakethe yamasheya, ngeke kudingeke ukhathazeke ngokucwiliswa endleleni.

5. Zibekele imali

Ukutshala imali empilweni yakho yezezimali kubaluleke njengokutshala esitokweni. Ungakhetha ukutshala imali emfundweni yezezimali. Ingakongela amakhulu ezinkulungwane zamadola empilweni yakho yonke.

Ungakhetha ukutshala imali yakho ebhizinisini lakho. Lokhu kungakunikeza ukulawula iholo lakho. Ungakhetha futhi ukutshala imali yakho empilweni yakho. Umzimba onempilo uyindlela engcono yokuphila.

Kwabaqalayo, yiliphi isu lokutshala izimali okufanele ukhethe?

Lezi ngezinye zezinketho eziningi onazo lapho utshala imali. Uma namanje ungazi ukuthi ungaqala kuphi ukutshala imali, sinesiphakamiso.

1. Inkampani yakho ingakunikeza izinhlelo zokonga umhlalaphansi ezingakhokhi intela.

Qala ukutshala imali osuvele unayo ngokuvula i-akhawunti exhaswe ngusomabhizinisi. Lezi zinhlobo zama-akhawunti zifaka i-401k, 403b, kanye I-457b. Zuza kakhulu izinzuzo zentela ngokusebenzisa izimali ezingakhokhi intela.

Iminikelo ku-akhawunti yakho yomhlalaphansi idonswa eshekheni lakho, ngaphambi kwezintela (ebizwa nangokuthi imali engenayo yangaphambi kwentela). Lezi zimali ezibanjwayo zizonciphisa intela emalini yakho engenayo (emva kwentela), ngakho izokwehla.

Le akhawunti futhi inikeza inzuzo yemali engenayo ehlehliswe intela. Lokhu kusho ukuthi ngeke kudingeke ukhokhe izintela ekutshalweni kwezimali okwenzayo kuze kube yilapho uqala ukukhipha kuma-akhawunti akho lapho usuneminyaka engu-59,5. Ungavakashela futhi I-Ejensi Yentela isungule iminyaka yokuthatha umhlalaphansi. (Iminyaka eyi-72).

2. Zitholele eyakho i-IRA

Okulandelayo, uzodinga ukudala i-Roth IRA (noma kokubili), kuye ngokuthi ukufaneleka kwakho kwezezimali kukuvumela ukuthi ulondoloze futhi utshale imali eyengeziwe.

Lena indawo engcono kakhulu ongaqala ngayo uma inkampani yakho ingakunikezeli ngohlelo lokonga lomhlalaphansi. Lolu hlobo lwe-akhawunti futhi luyindlela enhle yokutshala imali kwabaqalayo.

3. Dala i-akhawunti yakho ye-brokerage

Uma usuwaqedile ama-akhawunti akho azuze intela, ungavula ama-akhawunti omthengisi avamile. Uma usuwaqedile ama-akhawunti akho azuze intela, ungavula i-akhawunti yomthengisi evamile.

Nakuba i-akhawunti ye-brokerage ingase ibhekwe njengentela, akugcini uze uthengise ukutshalwa kwezimali kwakho. Laba okuthiwa Intela yenzuzo enkulu.

Amathiphu ayisithupha abalulekile okusiza abaqalayo ukuthi batshale imali

Ukutshala imali kuyindlela enhle yokwakha isisekelo sezimali. Kodwa-ke, lapho uqala ukutshala imali, kufanele uqaphele izingibe eziningi. Lawa maphutha angagwenywa futhi uzogcina amakhulu amadola.

1. Ungakhokhi imali.

Lapho ufunda ukuthi ungatshala kanjani futhi uqala ukufuna izimali ozotshala kuzo, uzobona ukuthi ngayinye inochungechunge lwezimali. Amakhomishini amaningi aphakathi kuka-0,5% no-2%. Nakuba lolu shintsho oluncane lwamaphuzu amaphesenti lungase lungabonakali njengento enkulu, lungenza umehluko omkhulu ekukhuleni kwephothifoliyo yakho.

Imali engu-2% ingakubiza amakhulu ezinkulungwane zamadola phakathi nomsebenzi wakho wokutshala imali. Kufanele uphenye izimali ezikhokhwayo ngaphambi kokutshala imali.

2. Qaphela ukubekezelela kwakho ubungozi.

Kufanele wamukele ukuthi ukutshalwa kwezimali kwakho kungase kuhilele ukulahlekelwa okuthile. Kuyoba khona ukuphakama noma ukuwa emakethe.

Nakuba iye yanda nge el tiempo, akunakwenzeka ukuthi uhlale uzinzile. Ungalindela ukwenqatshwa.

Ukuqonda ukubekezelela kwakho ubungozi kubalulekile futhi kufanele ukucabangele lapho utshala imali yakho. Ukuze uthole umbono ongcono wokubekezelela kwakho ubungozi, thatha isivivinyo sethu. Ukucwaninga izimali zakho kuyisihluthulelo sokuhlola ubungozi.

3. Hlukanisa

Ukuhlukanisa iphothifoliyo yakho yokutshala imali kuyindlela engcono kakhulu yokunciphisa ukuchayeka kwakho ezingozini zemakethe. Awufuni ukuhlanganisa konke ukutshalwa kwezimali kwakho enkampanini ethile ezophelelwa yimali. Thola ukuthi ungatshala kanjani kumasheya, amabhondi kanye nezikhwama zokutshala imali.

Ufuna ukusabalalisa utshalomali lwakho ezimakethe eziningi. Iphothifoliyo ayisoze yaba ngaphansi uma iwela emakethe eyodwa kuphela.

Kunezinketho ezimbili ezinhle kakhulu zamaphothifoliyo ezingahlukaniswa: iphothifoliyo yezikhwama zonke kanye nephothifoliyo yezikhwama ezintathu.

4. Ungakwazi futhi ukulinganisa impilo yakho endleleni

Ukuze ufunde ukuthi ungatshala kanjani imali, abaqalayo kufanele balandelele ukutshalwa kwezimali kwabo. Kufanele wenze isiqiniseko sokuthi umnqamulajuqu wakho uhlale uhambisana nezinhloso zakho. Izimakethe zizoguquguquka phansi naphezulu kuzomele ulungise ukuqinisekisa ukuthi awuwabeki wonke amaqanda akho kubhasikidi owodwa.

Indlela enhle yokuqinisekisa ukuthi iphothifoliyo yakho ihlala ivunyelanisiwe ukuyilinganisa kabusha ngokuzenzakalelayo

5. Ungazami ukubeka isikhathi emakethe

Kubalulekile ukukhumbula ukuthi ukutshala imali kuyisu lesikhathi eside lokudala ingcebo. Kungcono ukuthi ungazami ukubeka isikhathi emakethe Thenga okuphansi futhi udayise kakhulu. Imakethe akuyona into ngisho nomtshali-zimali ongcono kakhulu angayinqoba. Gxila emiphumeleni yesikhathi eside, hhayi izinzuzo zesikhashana.

Nakuba ungeke udale ingcebo ngobusuku obubodwa ngemakethe yamasheya, ungakwazi ngeminyaka eminingi yokutshala imali okuqhubekayo.

6. Ungakhohlwa ngezintela

Ithiphu yokugcina: ungakhohlwa ngezintela lapho uhlela iphothifoliyo yakho yokutshala imali. Unezinketho eziningi zokunciphisa umthwalo wakho wentela. Nokho, kumelwe zihlelwe ngokucophelela.

Uma ungaqiniseki ngemithelela yentela yesimo sakho, cabanga ukukhuluma nochwepheshe wezentela.

Iluphi uhlobo lokutshala imali olulungele wena?

Nguwe kuphela ongaphendula lo mbuzo. Kubalulekile ukunaka iminyaka yakho, usuku lwakho lokuthatha umhlalaphansi, ukubekezelela ubungozi kanye nenani leminyaka osele. Kufanele futhi ucabangele ubuntu bakho futhi unqume ukuthi yini enengqondo kuwe.

Kubantu abafuna ukulawula izinqumo zabo zokutshala izimali futhi abathanda ubuchwepheshe, abeluleki be-robo inketho engcono kakhulu. Abanye abantu bancamela ukuthola usizo futhi bangase bafune ukukhuluma nochwepheshe bezezimali ukuze bahlole izinketho zabo. Ungakhetha leyo okhululeke kakhulu ngayo ngemva kokwenza ucwaningo lwakho.

Gwema Lawa Amaphutha Otshalomali Osaqalayo

Ukutshala imali kuyindlela engcono kakhulu yokwakha ingcebo. Kunamaphutha amaningi ajwayelekile abatshalizimali abawenzayo uma betshala imali. Njengoba uqala ukufunda ngokutshala imali kwabaqalayo, ake sibhekisise.

1. Akufanele ungabaze ukutshala imali

Nakuba kubalulekile ukwenza umsebenzi wesikole ngaphambi kokuba uqale ukutshala imali, lokhu akufanele kube isizathu sokulinda. Lapho utshala imali, kufanele ukwazi ukusebenzisa isikhathi sakho ngokugcwele. I-investimenti yakho ingase ikhule uma yenziwa ngokushesha kunokuba ucabanga. Amandla okuhlanganisa angaholela ekukhuleni okukhulu.

2. Ukutshala imali ngokomzwelo kungenza izinto zibe nzima kwabaqalayo.

Maduze uzobona ukuthi ukutshala imali kuyingxenye ebalulekile yempilo yakho. Lezi zimali ezitshaliwe kufanele zilethe ikusasa elingcono. Abaningi baye benza kanjalo Ukwesaba ukulahlekelwa Lokhu kungenza ukutshala imali kube nzima.

Kunokwehla nokwenyuka emakethe yamasheya. Zilungiselele ngokomzwelo ukubhekana nalokhu kuguquguquka. Awudingi ukukhipha yonke imali yakho emakethe yamasheya uma iwela.

Kunalokho, kufanele ulinde ukuthi ilulame ngaphambi kokukhipha imali. Kungumsebenzi onzima.

Ngaphambi kokutshala imali, qiniseka ukuthi uyazi ukubekezelela kwakho ubungozi ukuze ugweme okuhlangenwe nakho okubuhlungu. Ngale ndlela ungakhetha ukutshalwa kwezimali okungenzeka mancane ukuthi kukwenze wethuke. Hlala uthembekile kumagugu akho futhi ugcine ikhanda elipholile lapho wenza izinqumo zokutshala imali.

3. Isikhathi emakethe

Ukudala uhlelo lokutshala izimali lwesikhathi eside kufanele kube umgomo wanoma iyiphi iphothifoliyo. Uma usudale uhlelo lwesikhathi eside lwephothifoliyo yakho yokutshala imali, ungalulungisa njengoba kudingeka.

4. Kuthatha isikhathi ukwenza izinto zenzeke.

Uma utshala imali, ungacabangi ukuthi imali yakho izokhuphuka ngokuzumayo. Izoshintshashintsha phakathi kokukhula nokwehla izikhathi eziningi.

Uma uqala ukutshala imali, khumbula ukuthi kuyisu lesikhathi eside lokudala ingcebo. Nokho, ngeke kukwenze ucebe ngaso leso sikhathi.

Lawa macebiso alula azokusiza ukuthi uqale ukutshala imali kalula

Qala ukutshala imali ngokushesha ngangokunokwenzeka ukuze udale ingcebo. Ungafunda ukutshala imali namuhla. Ungakwazi ukukhulisa iphothifoliyo yakho ngisho noma uqala ngo-$20 kuphela.

Isifundo sethu samahhala sokutshala imali sizokusiza ukuthi ufunde futhi wenze ukutshalwa kwezimali okungcono. Uzofunda kabanzi mayelana nokuthi ungaqala kanjani ukutshala imali ezitokweni, ucwaninga kanjani ukutshalwa kwezimali kwakho, nokuthi ungamkhethela kanjani umthengisi ofanele.

Qiniseka ukuthi ubhalisa ku-newsletter yethu Isiteshi sezezimali se-Smart GirlUkuze uthole amathiphu okutshala imali nolunye ulwazi oluhle, hlola i-podcast Yazi Amantombazane!