Ukusebenzisa imali ngo-2013

Kuze kube manje, kukhona izinketho eziningi ezahlukene mali imali kukhona. Bonke zingafani ngokoMthetho ukutshalwa kwezimali, kweliholo nezingozi kunokwenzeka. Umuntu ngamunye yena ukhetha okukhethwa nokwenzeka kakhulu. Ngeshwa, ezikhathini zamuva ngenxa ukwenyuka kwesibalo ezezimali nezomnotho ezweni lethu, abantu abaningi baqala ukugcina imali ngaphansi komqamelo, ngaleyo ndlela alahlekelwe ingxenye yabo ethile ngenxa okusezingeni eliphezulu izinga lokwehla kwamandla emali tempav.

Ukuze ugweme lokhu, kudingeka imali ukuwenza uphumelele, futhi waletha imali ethile. Kule ndaba, ake sixoxe ngezinye izinto utshalomali ehambisana kakhulu namuhla:

Imali imali igolide. Ukuze lolu hlobo utshalomali lemali, zikhona ongakhetha eziningana: ukuthengwa igolide bullions, ukuthenga igolide, kuvulwa unallocated metal akhawunti. Ngokuphathelene yokufuna bullion, kuba impela eqolo, ngakho Ibha eyodwa ntathu kungadla ruble 700.000. Ukulandela yokufuna ingot nge inkomba uchungechunge yayo, Zonke-Union kanye amasampula udinga ukuthi ucabange ngalokhu USB. Gcina value kangcono ephephile idiphozi ibhokisi. Ngenxa yalesi, kakhulu, kuyodingeka bakhokhe mayelana 0.01% we ukubaluleka ingots ngenyanga. Ukutshala imali igolide baye ibekhona, intengo izindleko zemali enjalo zaklydyvaetsya we embossing, okuyinto phakathi 3 no-5%. Gcina lezi zemali futhi kangcono ebhokisini idiphozi futhi vkoem uma bengenayo konakalisa bese ugcine look yabo okufanayo. Ukutshala izimali igolide bekulokhu, nokuthi kuyoba kukho ethandwa kakhulu imali imali, njengoba abatshalizimali abaningi bakhetha ukutshala ithuluzi eside ziphumelela zezimali. On the eside, izimali igolide wazibonakalisa inzuzo kakhulu futhi isilinganiso imbuyiselo yaminyaka yonke le metal engaba ngu-20% ngonyaka.

Imali imali mutual funds Izimali Amabhondi inketho othembeke kunabo bonke, njengoba izibopho babe ingozi kakhulu esingaphansi amasheya. PIF kuyinto okuhlukile ekhethekile ye-investimenti lemali lapho inkampani ukuphathwa ilawula ngomumo kwakhiwa futhi izibambiso iphothifoliyo. Izinzuzo lolu hlobo utshalomali ukuthi awudingi ukuthi aqaphe isimo emakethe futhi sihlaziye emakethe. Ngoba konke ochwepheshe emkhakheni wabo. Ukuze ukutshala Isikhwama mutual kuyinto ngezinye izikhathi kakhulu impela ezimbalwa. Ukutshala imali eyanele ukuze ujike ibe inkampani ukuphathwa okuthembekile bese uvula i-akhawunti nabo. Isilinganiso imbuyiselo yaminyaka yonke okunamathiselwe zingahluka kusuka 10 kuya 14%, okuyinto idlula iphesenti ezifakwa emabhange.

Ukutshala imali ebhange lifake enokwethenjelwa kakhulu futhi olandelanayo dolobha ukulondolozwa ngokumelene kwamandla emali. Ngokusho survey, cishe 50% labantu bethu ukugcina imali yabo ungaphakathi imali. I-avareji yonyaka lenzalo ingahluka futhi isukela 5 kuya ku-11% ngonyaka. Ukuze imali yabo ebhange yanele ukuba siphethe isivumelwano ebhange yasebhange vkalda lapho bonke kuchazwe ngokucacile. Ukuze ukhethe isidingo yasebhange ukwazi izilinganiso nokwethenjelwa ukufunda ukwaziswa okukuyi-Internet. Asikho isidingo ukunikeza imali yabo emabhange ngabazeka nge idumela elibi.

Yikuphi ukukhetha kukuwe utshalomali.