Uyenza njani imali ukuba isebenzele wena eKenya

Ukukwazi ukwenza imali yeyona ndlela ilula kwesi sizukulwana.

Ngokwenyani, awudingi ukuba nemali yokwenza imali. Awudingi nqanaba ukuze ube sisityebi…

Ukukwazi ukwenza imali ngokukhawuleza kwenza ukuba unqumle izinto ezininzi kuluhlu lwakho lwamabhakethi.

Nokuba kukuchitha ixesha elininzi nosapho lwakho, okanye ukonga ukugcina le nto ubusoloko uyifuna; ukuba nemali kuyakukhetha.

Kodwa wakube uyifumene INKULULEKO yezemali oyifunayo, uwuthatha phi lo mda uchuliweyo phakathi kokusebenza nomhlala-phantsi?

Kwaye emva koko, uyenza njani imali yakho isebenzele wena ukwenza ubutyebi obuninzi ngelixa uphumle?

Kule posi yanamhlanje ndiza kukubonisa ubuncinci iindlela ezili-9 zokuvumela imali yakho isebenzele wena.

Ngaba uphumile ukuze ubone uluhlu lwam?

Uyenza njani imali isebenzele wena eKenya

Ngaphambi kokuba singene kwezi ngcamango zinomdla "zokwenza imali zikusebenzele"; Masiqale ngokuhlukanisa eli binzana, "yenza imali isebenze kuwe?"

Uyenza njani imali isebenzele wena?

Ukuphuma, ukwenza imali isebenzele wena eKenya ayisiyiyo irocket science. Ayisiyonto kufuneka 'uthengise umphefumlo wakho' ukuze uthethe, ukuze uphumelele.

Nantsi into endiyifumeneyo kuphando lwam:

Ukufumana imali ikusebenzela, kuya kufuneka ubambe iimali zakho. Kuya kufuneka ufunde ukuyilawula inkcitho yakho ngokwenza izigqibo ezizizo malunga nokuba yintoni ekufuneka uyiqwalasele ngalo mzuzu.

Ngoku, nemali yakho iphantsi kolawulo, ungalutshintsha ugxininiso lwakho uqiniseke ukuba uqhubeka uphinda-phinda umvuzo njengokufaka imijelo yengeniso.

Ngale ndlela, ufumana oko iingcali zikubiza ngokuba luzinzo kwezemali kunye nokhuseleko. Ibizwa njalo kuba, kweli nqanaba, imali engenayo ingaphezulu kokuphuma kwemali. Yiyo loo nto ungaze uphinde ukhathazeke malunga nokusilela kwesidlo sangokuhlwa okanye ukusilela kwiindleko.

Ukuqonda ubugcisa bokufezekisa ukhuseleko lwezezimali, sebenzisa ezi ngcebiso zilandelayo zokwenza imali ikusebenzele eKenya.

1. Hlala phantsi uphuhlise uhlahlo-lwabiwo mali

Ewe ndiyakubona ukuncwina ebusweni bakho, uhlahlo-lwabiwo mali, uhlahlo-lwabiwo mali kunye nohlahlo-lwabiwo mali.

Wonke umntu uthetha ngokuba nohlahlo-lwabiwo mali.

Kodwa makhe ndikubuze oku, bangaphi kuthi abanohlahlo-lwabiwo mali?

Heck, bangaphi kuthi kwaye banamathele kuhlahlo-lwabiwo mali?

Awunguye wedwa, phantse abantu abasi-8 kwabali-10 abanalo uhlahlo-lwabiwo mali kwaye ngenxa yoko abazi ukuba kufuneka uchithe nini kwaye nini.

Kodwa ke, iyaphela ngoku. Ukuba ufuna ukwenza imali isebenzele wena, kufuneka uqaphele umvuzo wakho kunye nenkcitho. Ukwenza oko, kufuneka ube nohlahlo-lwabiwo mali.

Ukuba nohlahlo-lwabiwo mali kukwenza uqeqeshwe, ngenxa yoko uncede ekulawuleni iimali zakho.

Ngokufanelekileyo, uhlahlo-lwabiwo mali luyanceda:

• Kubonisa ukuba uchitha ngaphezulu kunomvuzo okanye ngaphantsi kunoko unako
• Kwakhona kunceda ukugxila kuyo nayiphi na imali ekhoyo kwezona zinto zibalulekileyo, uyazi, ezona zinto zibaluleke kakhulu, umzekelo, ukuhlawula amatyala, ukuhlawula amatyala, kunye nokugcina iinjongo zexesha elizayo.

Namhlanje, andizukukuzalela ekufeni malunga nendlela uhlahlo-lwabiwo mali oluya kujongeka ngayo, ikakhulu kuba kukho itoni yezixhobo kunye nezifundo ngendlela yokwenza okufanayo.

Ezinye zezixhobo ezikhululekileyo zohlahlo-lwabiwo mali zibandakanya Mint.

Ngaphandle koko, ungaya ngendlela endala yesikolo nge-spreadsheet.

2. Cinga ngokuvula iakhawunti yokonga imveliso ephezulu

Wonke umntu uyakhwaza, gcina imali!

Ewe ichanekile, kodwa ayisiyiyo yonke inyaniso.

Uyabona, kufuneka ube nemali eyoneleyo egcinwe kwindawo eyoneleyo ukugcina uqhubeka ubuncinci iinyanga ezintandathu ngaphandle komthombo wengeniso (kwimeko apho kunokwenzeka into ethile kumthombo wakho wengeniso).

Musa ukucinga ukuba awusoze ufune imali kwixa elizayo, ngenxa yoko akukho sidingo sokonga.

Ukuba uhamba ngale ndlela, uzibekela ukungaphumeleli kamva.

Nokuba wenza okuhle ngalo mzuzu, qiniseka ukuyibeka ecaleni ingeniso yakho yangoku kwiintsuku zemvula.

Yakho, ayifanelanga ukuba yiyo nayiphi na enye iakhawunti yokonga. Ubuncinci ayikokukunika i-0.01% yenqanaba lenzala, kungcono ukuba ubethe imali yakho esokisi kwaye uyisebenzise njengomqamelo.

Kodwa ukuba le asiyondlela yam ecetyiswayo yokonga, yeyiphi indlela ebalaseleyo yokonga ngelixa usenza nemali ezinkozo?

Yiya kwiiakhawunti zokonga ezivunyiweyo kwaye ufumane ubuncinci iipesenti ezi-1 zenzala kwimali oyongileyo.

Musa ukulithatha ilizwi lam nangona.

Amaxabiso enzala, iimeko kunye nemirhumo ziyahluka ngokwebhanki. Kodwa into endiyifumeneyo kukuba ezi bhanki zisebenza ngokukodwa kwi-intanethi ziluhlobo olukhulu lwento.

Banikezela ngenzala ephezulu kuba abanazindleko zininzi njengokugcina amasebe.

Yenza uphando lwakho kwaye ubone oko kuhambelana neemfuno zakho.

3. Hlawula ityala lakho

Ngaba ukuhlawula ityala lakho kunceda njani ekwenzeni ukuba imali ikusebenzele?

Mamela oku:

Ngaxa lithile, ngamnye kuthi kufuneka ajamelane nohlobo oluthile lwamatyala.

Isenokuba yimali-mboleko, imali-mboleko yomfundi, okanye ityala lekhadi letyala phakathi kwezinye. Yindlela obuyiyo ubomi, kodwa okukhona uwususa ngokukhawuleza lo mthwalo emagxeni akho, kokukhona ufumana ngokukhawuleza imali yakho.

Cinga umzuzwana:

Yonke isheleni oyisebenzisayo ukuhlawula isixa-mali esiyintloko ikushenxisa ekuhlawuleni inzala kwaloo mali inye.

Oku kuthetha ukuba unokungabinamatyala ngexesha elifutshane kakhulu kunokuba bekulindelwe.

Ndicinga ukuba le nto ndiyithethayo kukuba ukuhlawula amatyala akho ngokukhawuleza, kubuyisela imali kwi-akhawunti yakho yebhanki ekuhambeni kwexesha.

4. Cinga ngokutyala imali kwizitokhwe

Ndiyazi ukuba wonke umntu ucinga ntoni xa exelelwa ukuba aqale ukutyala imali kwimarike yemasheya, kufuna itoni yenkunzi ukuze iqale.

Leyo yingcinga eqhelekileyo, awuwedwa.

Omnye wabarhwebi bezabelo ababalaseleyo emhlabeni, owenza izigidi, uWilliam O'Neil ngaxeshanye wakhankanya ukuba awudingi izigidi ukuze uqalise ukwenza izitokhwe zokurhweba ngemali.

Ngama-500 ukuya kuma-1000 eedola, ungaqala kwaye uqhubeke nokuphinda uphinde uphinde kwakhona njengoko usiya.

Njani ngokufunda indlela yokwenza trade?

Ewe, awudingi ukwazi yonke into malunga nentengiso yemasheya nayo.

Iindlela ezininzi zikuvumela ukuba ube ngumtyali mali nje.

Yicinge njengenkqubo 'yokusetha kwaye ulibale' eyenza ukuba uvumele imali yakho ikusebenzele.

Umzekelo:

• Abacebisi beRobo -Kula maqonga, awudingi ukukhetha isitokhwe ngesandla. Abacebisi beRobo basebenza ngokusebenzisa iinjongo zakho ukwakha ipotifoliyo yotyalo-mali eya kufezekisa iinjongo. Zifumane zonke ezi mrhumo wenkonzo we-0.25% ukuya kwi-0.50% yee-asethi zakho zizonke.
• UkutshintshiselanaTraded Iingxowa-mali (ETFs) - Esikhundleni sokurhweba ngokuthe ngqo, ii-ETF zikuvumela ukuba usebenzise isalathisi esisezantsi kwaye wenze imali. Inkqubo enjalo eyaziwayo yi-S & P 500. Iza namathuba otyalo-mali ahlukeneyo. Azinabungozi kangako, ngoko ke zifanelekile kumntu oqalayo okanye abo bafuna utyalo-mali olungenabungozi kangako

Utyalo-mali yindlela # 1 yokwenza imali ikusebenzele eKenya.

5. Ungumnini wepropathi yokurenta

Ukuthengiswa kwezindlu yeyona ndlela inye eyaziwayo yokujoyina iklabhu yosozigidi eKenya. Jonga bonke abantu abafumana umvuzo ophezulu elizweni, ndiyakubheja ukuba banepropathi yabo kwenye indawo ethi ivelise umvuzo inyanga nenyanga.

Into ekufuneka uyenzile kukufumana isiqwenga somhlaba kufutshane nendawo ekhulayo, oku kunokuba yidolophu, kufutshane namaziko afana nekholeji.

Yakha iiyunithi zokurenta, kwaye usete imirhumo efanelekileyo ngenyanga. Ngaphandle kwexesha, ipropathi yakho iya kuba nomtsalane kubaqeshi abaza kukuhlawula inyanga nenyanga.

Kwaye ngoku uyazibuza ukuba ungayifumana phi inkunzi.

Ewe, ukuba unetyala elifanelekileyo, cinga ngokuthatha imali-mboleko kwibhanki yakho yendawo.

Kodwa yenza oko kuphela ukuba uqinisekile ukuba ipropathi izakuqala ukufumana umvuzo wakugqiba.

Ngoba? Kungenxa yokuba izindlu nomhlaba ziimarike ezijikelezayo. Namhlanje kukho imfuno ephezulu, ngomso iipropathi zithengiswa.

Ukuba ukujonga oku njengendlela yakho yokwenza imali ikusebenzele eKenya, ixesha yinto yonke.

Funda kwakhona: INDLELA YOKWENZA IMALI NGAPHANDLE KWEMALI EKENYA

6. Tyala imali kwiitruste zotyalo mali kunye nomhlaba (REITs)

Ukuba ucinga ukuba nepropathi inobungozi kakhulu, okanye awunakukwazi ukuhlawula yonke into, i-REIT yinto yakho.

I-REIT yinkampani engumnini kunye nesebenzayo ivelisa ingeniso yee-asethi zezindlu. Njengomtyali-mali kwinkampani enjalo, ufumana ukucuthwa kwayo nayiphi na inzuzo, ingeniso (inokuba yinzuzo okanye ilahleko), ukuthengisa, kunye nokubuyisela imali ngendlela yezabelo.

Into ekufuneka uyenzile kukuthenga izabelo zezo nkampani kubarhwebi.

Apha, ungumnini wenkampani eneepropathi ezininzi zokuthengiswa kwezindlu. Kananjalo, njengomtyali mali, uhlawulwa ngezahlulo. 

Le yindlela efanelekileyo yokufumana isiqwenga sepayi ngaphandle kokukhupha intamo yakho.

7. Fumana ipolisi yonyaka

I-annuity luhlobo lwe-inshorensi apho uhlawula khona izixa-mali zangaphambili.

Emva koko, inkampani yeinshurensi iya kuqala ukuhlawula imali echaziweyo yenyanga yonke ubomi bakho xa ipolisi sele ikhulile.

Yeyona nto intle onokuyenza ngoku ukuqinisekisa ikamva elihle, ngakumbi ukuba uneentsuku zefula ngoku.

Ngelixa oku kunokuvakala kuthembisa kakhulu kwaye kuyindlela egqibeleleyo yokuthatha umhlala-phantsi umncinci kwaye usisityebi, kutheni ingenguye wonke umntu owenzayo?

Kuyavela ukuba, i-annuities iza nenzala ephantsi kakhulu kwaye ufumana ukufikelela okulinganiselweyo kwimali yakho. Yiloo nto echaza isizathu sokuba abantu babaleke kuyo.

Kodwa, yeyakho ukuba unomonde owaneleyo kunye ne-nerve eninzi yokuthatha umngcipheko.

8. Qalisa ishishini

Ngaphambi kokuba uyihlambe bucala le, ndive ngaphandle.

Ukuqala ishishini yindlela eqinisekileyo yokwenza imali ikusebenzele. Ukuba neshishini kuthetha ukuba unokwenza imali ngelixa ulele okanye ungekho.

Kodwa njengoko sele uyazi, ayingawo onke amashishini akhiwe ngokufanayo.

Ezinye ziya kuhlala zifuna ukuba ubekujikelezile okanye kungenjalo imisebenzi iya kusala. Waphephe amashishini anjalo.

Into ekufuneka ugxile kuyo lishishini elinokusebenza kakuhle ngaphandle kokuba ukufutshane nawe. Awudingi nto eya kuba ngumsebenzi wexesha elizeleyo kwakhona okanye ngakumbi.

Ngaloo nto ithethwayo, fumana imbono yeshishini esebenzayo kwaye uyisuse emhlabeni. Nje ukuba iqalise ukuvelisa ingeniso eyaneleyo yokuziphilisa, idlulela kwilinge elilandelayo.

Ukuba unokuqalisa ubuncinci amashishini amathathu anjalo, ufumene indlela yokwenza imali ikusebenzele eKenya.

Ngokwethiyori, naliphi na ishishini linokusebenza ngaphandle kwakho, ukuba unokufumana abantu abanezakhono ngokwaneleyo ukuba bangaliqhuba egameni lakho.

Kodwa kwakhona, yehla ekubeni ishishini livelise ingeniso eyaneleyo yokugubungela inkcitho yalo kwaye lihlale nentsalela.

9. Gcina imali kwisiqalo

Ukuba awunamonde wokubona ishishini liqala phantsi, cinga ngokuba liqabane 'elithe cwaka' kwishishini.

Mhlawumbi unomhlobo onombono ongakholelekiyo, kutheni ungatyali ixesha okanye imali yakho kumbono? Xa izinto zihamba, uya kube uvelisa imali ngaphandle kokwenza nawuphi na umsebenzi.

Le yeyona ndlela ilungileyo yokwenza imali ikusebenzele. Yenye yeendlela ezilula ezisetyenziswa ngoosozigidi ukuze bazigcine bezityebi, rhoqo.

Umceli mngeni apha kukufumana olo luvo lunye loguquko.

Ukuthetha ngokunyanisekileyo, kufuneka umbono omnye kuphela ophumeleleyo wokwenza imali engaphezulu kunale unokuyisebenzisa.

Ukuvala

Ezi zimvo zikunceda ubone ukuba ungayenzela njani imali eKenya. Yinjongo yethu sonke ukusukela yonke imihla yokuvuka, ngelixa abanye befika ngokukhawuleza, oko akuthethi ukuba ngekhe.

Yiba nomonde nje, ixesha lakho liyeza.

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