Indlela yokwenza imali on ongakhetha kanambambili. Funda uma ungenza imali ngokukhethwa kukho kanambambili

Imali e-Inthanethi iyayithakazelisa abaningi namuhla, ngakho sizoxhumana nesihloko sendlela yokwenza imali ngokukhethwa kukho okubili. Ake sihlolisise amasu ayisisekelo afanele kulabo abafuna ukuzizama njengomthengisi. Uzothola amathiphu athile kakhulu azosiza ukulondoloza imali. Ngakho-ke, ngingenza imali ngokukhetha kanambambili?

Ulwazi jikelele

Iyiphi inketho yokubambisana kanambambili? Uma ungangeni emininingwaneni, umgomo womsebenzi ukubikezela ukukhula noma ukwehla ngentengo yefa lakho elikhethiwe, elizokwenzeka esikhathini esithile.

Le ndlela yokuthola imali eyengeziwe iyatholakala cishe kunoma yimuphi umsebenzisi we-intanethi. Futhi umbuzo ohluke ngokuphelele wukuthi kukhona yini ukubekezela okwanele futhi ufisa ukufunda ukuhlakanipha ukufika ngesikhathi lapho ukuthola khona inzuzo kuphuma esigabeni samagama kuya kwesenzo sangempela. Kodwa namuhla ingxoxo ayikho mayelana nalokhu, isihloko sethu sanamuhla: "Indlela yokwenza imali ngokukhethwa kukho kanambambili."

Okusiza ekutholeni

Kodwa kungalindelekile kungase kuzwakale, isiyalo esiqine kakhulu siyasiza. Ukuhweba okunjalo kufana nokuvakashelwa kwekhasino, lapho konke kuxhomeke kulokho: ukuqagela - awuqageli. Kodwa ekusetshenzisweni kwezokuhweba kanambambili kufika ukuqonda ukuthi lokhu akude neze. Kuzothatha umzamo omkhulu ukuphepha ngokulahlekelwa, ukuyeka ukuphuthuma okungadingekile ekwenzeni izinqumo. Futhi uhlale kule makethe ukuze uqhubeke nendlela eya phezulu.

Ukubekezela okuhlangene nemithetho yokulawulwa kwezinhlekelele ngokuqinisekile kuyosiza ekufezeni impumelelo. Iyini ukulawulwa kwezinhlekelele? Lona umqondo obanzi, ohlanganisa namasu asiza ukunciphisa izinga lezinhlekelele. Inani elifanele lisetshenziswe engozini engenzeka uma uqhuba ama-binary amakhono angu-2-3%. Ngakho-ke, ngokuvamile abaqalayo, sebeguqule u-$ 10 kuya ku-$ 20, ngokushesha banda ingozi, bezama ukwandisa lokho abakuthole. Kodwa ekugcineni, balahlekelwa kuphela.

Ukuzuza kokukhethwa ngaphandle kokutshala izimali - iqiniso noma inganekwane?

Ake sikhulume ngendlela yokwenza imali ngokukhethwa kukho kanambambili ngaphandle kokunamathiselwe. Ukubhadela okukhethwa kukho kanambambili ngaphandle kokutshala izimali zakho kungukuphupha okwesibhakabhaka kubo bonke abathengisi. Abathengisi abaningi banikeza abaqalayo ukuthi akukho amabhonasi ediphozi yokuhweba ngaphandle kokutshalwa kwezimali okuqala. Qaphela amagama "ukutshalwa kwezimali okuqala". Uma ubheka izinto ngokuyiqiniso, ngokuhamba kwesikhathi uzodinga ukutshala imali yakho siqu. Noma kunjalo, kunezinketho zokwenza imali kwizinketho kanambambili ngaphandle kokunamathiselwe.

Izinhlelo Zokubambisana

Enye indlela yokuthola imali ngaphandle kokuhweba okuqondile ukuthi uhlanganyele ezinhlelweni zokubambisana abanye abanikezeli. Buza kanjani? Iqiniso liwukuthi njengamanje kungenzeka ukuthi kusebenze "labo ababambisene nabo" kunika inani elincane kakhulu labadayisi. Yingakho imali engenayo ingaba enkulu kakhulu. Ngokwesilinganiso, kumthengisi ngamunye omenyiwe, umthengisi ulungele ukukhokha inani elilingana no-$ 100.

Iphesenti yenzuzo

Ngezinye izikhathi esikhundleni sokukhokha kwesikhathi esisodwa kumthengisi omenyiwe, abadayisi banikeza ukukhokhelwa kwephesenti yokuthengiselana okwenzile. Lesi sibonakaliso sisukela ku-10% kuya ku-40%. Akunamandla kakhulu! Kulungile. Akufanele kukhohliwe ukuthi ukuhweba ngokuvamile kuba umthombo unomphela womholo kumuntu. Ukubamba iqhaza ezinhlelweni zomlingani ngalezi zinsuku kuqinisekisa ukuthi imali engenayo ingenayo isikhathi eside.

Ngakho-ke, impendulo yombuzo wokuthi kungenzeka yini ukuthi uzuze okukhethwa kukho kanambambili ngaphandle kokutshalwa kwezimali kuqiniswa.

Amasu okusebenza

Abathengisi bambalwa baphumelela kakhulu futhi bafeze imiphumela emihle ngenxa yamasu athuthukile wokudala imali engenayo ekukhethweni okubambisana. Ake sazi kabanzi ngokuningiliziwe. Lokhu kuyitshalomali olulula, ukutshalwa kwezimali okuphindaphindiwe, isimiso seMartingale nabanye.

Inqubomgomo Elula Yokutshalwa Kwezimali

Kwabaqalayo kule ndawo, ukukhethwa okulula okutshala izimali kuzoba kuhle. Okubalulekile ukuthi kungenzeka ukuthenga inketho kanambambili emizuzu emi-5 ngaphambi kokuphela kwendali. Ukubuka amagceke wokuthengisa, ungavame ukubona isimo lapho izimpahla zishintsha ngokushelela kwesinye isiqondiso. Ngakho-ke, amathuba okuthi uzoyishintsha ngendlela emangalisayo yinto encane kakhulu. Khetha inzuzo enjalo futhi uyithenge imizuzu embalwa ngaphambi kokuqedwa. Lokhu kungenye yezinketho ezinkulu zokwenza imali ngokukhethwa kukho kanambambili njengomuntu oqalayo.

Phindela utshalomali

Ukukhethwa okulandelayo okuphumelelayo kuyindlela evumela ukutshalwa kwezimali okuqhubekayo. Ukusebenzisa inqubomgomo enjalo yokutshalwa kwemali, akunakwenzeka ukuthola imali engenayo, kodwa ngisho nangokwehlelwa kwengozi, ukulahlekelwa kwemali etshaliwe ngeke kudlulele ku-15%. Isimiso sinjalo. Ukwenza ukuthenga okukhethwa kukho ngokuphela ngo-9: 00 ekuqaleni kosuku, ubheka amademuki cishe amaminithi angu-10 ngaphambi kokuphela kwendali. Uma konke kuhambisane, futhi uyinqobe, bese ulinda kuze kube sekupheleni. Uma kungenzeka ukuthi lesi sibikezelo singakalungi, usheshe wenze ukutshalwa kwezimali okufutshane ngokuhambisana nesimiso semali yentsha esetshenzisiwe ngaphambilini. Ukulahlekelwa ezimweni ezinjalo akuwona okungaphezu kuka-15%. Lokhu kungenye yezindlela ongayithola ngazo ongakhetha kukho kanambambili ngaphandle kwengozi. Kodwa lena akuyona kuphela inqubomgomo yokutshala imali engenayo ingozi.

I-Martingale Principle

Lokhu kuyindlela eyinkimbinkimbi yokwenza, indlela yokuthola okukhethwa kukho kanambambili, kodwa kuphephile ngokuphelele. Okuwukuphela, uma ngingasho kanjalo, ukungabi nalutho lokutshala imali kuyinani elikhulu ngokwanele lemali kwi-deposit's deposit.

Isebenza kanjani? Uthola okukhethwa kukho kanambambili kufanele u-$ 1. Won - omuhle kakhulu. Uma kwenzeka ukulahleka, thenga inketho efanayo elandelayo, kodwa usuvele ushaya kabili izindleko, okungukuthi, nge $ 2. Uma unqoba, bese uqala futhi ngokubheja okuncane, uma ulahlekelwa - intengo kabili futhi. Okukhethwa kukho okulandelayo owathenge kuzokubiza u-$ 4. Isu likaMartingale likuvumela ukuba ukhokhe ukulahlekelwa kwezinketho ezingaphumelelanga zangaphambilini ngaphandle kokuwina. Njengomthetho, azikho ezingaphezu kwezingu-5 zokulahlekelwa ngamabhizinisi.

Imithombo eyengeziwe yokubikezela

Ngingayenza imali ngokukhetha kanambambili, ngokugxila ekubikezelweni kweqembu lesithathu? Ake sibone.

Ukubikezela ukuphakama kwentengo noma ukwehla kwempahla kunokwenzeka, uma ulalela izindaba ngokucophelela kancane. Isibonelo, ukukhululwa kwemodeli yemoto ebuyekeziwe ngokukhathazeka okudumile ngokuqinisekile kuzothinta inani lamasheya alo. Kodwa ukuqala okungaphumeleli kwenkampani efanayo kuzosiza ukunciphisa inani lamafa ayo.

Kunezici eziningi zokuziphatha eziyinkimbinkimbi ezivumela ukubikezela umphumela wokutshala imali. Ngokuyinhloko, ukuguquguquka kwenkomba yezimakethe ze- stock market uDow Jones. Isilinganiso saso sishintsha njalo usuku lonke futhi kuxhomeke esimisweni sokuqhubeka saseMelika noma se-Asia. Kodwa lokhu kuyesikhathi esidala sezinketho kanambambili. Kwabaqalayo, izinketho zokutshala ezichazwe ngaphambilini ziphelele.

Imithetho Ebalulekile Yokuphumelela

Ukuze uphumelele ngempela ensimini enhle kangaka, kufanelekile ukulandela imithetho eminingana:

• Ungalokothi wenze ukubheja njengenhlanhla, ukufaka amabhidi akuyona indawo lapho udinga khona ukwethemba isihe salokho, kungenjalo ungalahlekelwa yizo zonke izindlela;
• Sebenzisa amasu futhi ufunde ukuhlaziya imakethe;
• Noma yiziphi izinqubomgomo zokutshalwa kwezimali ezikhona zihilela ukuxhaswa okwesikhashana kwediphozi, ngakho kungaba yisinqumo esingenangqondo sokutshala zonke izimali ezikhona ngenketho elilodwa;
• Ukulahlwa komthengisi kufanele kube njalo inani elivumela ukuthenga okukhethwa ngu-8-10;
• Isikhathi esingcono kakhulu sokusebenza okukhethwa kukho kanambambili ngu-15: 00-3: 00 Isikhathi saseMoscow, ngoba ukuhwebelana okuningi kubamba imisebenzi, futhi ukushintshashintsha kwamashadi kubonakala kakhulu.

Ukukhishwa okuphumelelayo!