Izindlela Ezi-6 Ezilula Zokuthola Inzalo Ehlanganisiwe Nsuku Zonke Emalini Yakho

Ungathanda kanjani ukutshala imali yakho futhi uyiyeke ikhule ngokungenamkhawulo ngo-2024?

Kuzwakala njengohlelo, akunjalo?

Kule ndatshana, ngizokukhombisa izindlela ezi-6 ezilula zokuthola inzalo ehlanganisiwe nsuku zonke emalini yakho.

Cabanga ngakho njengokuvumela imali yakho ikusebenzele ngenkathi uvuna izinzuzo.

Uma ungazi kakade, inzalo ehlanganisiwe yi-'soso 'eyimfihlo ecekece kakhulu engu-1% ukuze iphindaphinde inani layo.

Kwenzeka kanjani lokho?

Inzalo ehlanganisiwe iyinzalo ediphozithi noma yemalimboleko.

Ngokungafani nenzalo elula, inzalo ehlanganisiwe ibalwa ngokusekelwe kukho kokubili inzalo eqoqiwe kanye nothishanhloko wokuqala.

Yicabange 'njengenzalo yenzalo kanye nenzalo yotshalo-mali oluyinhloko.'

Uyasibona isithombe esikhulu manje?

Leyo yimfihlo oyidingayo ukuze ukhulise imali yakho ngesilinganiso esisheshayo kunenzalo elula ebheka kuphela inani eliyinhloko eliyinhloko.

Ngokwesibonelo:

Ithi une-KES 10,000 ku-akhawunti yokonga ethola inzalo engu-5% ngonyaka.

Ngonyaka owodwa, uzohola i-KES 500, ikunikeze inani eliphelele lama-KES 10,500.

Eminyakeni emibili, uzobe usuthole u-5% kubhalansi enkulu ye-KES 10,500 ekunika i-KES 11,025.

Kwenzekani uma ushiya lokho iminyaka eyishumi ngesilinganiso senzalo esifanayo?

Uzophela nge-KES 16,470.09. Lokho ukukhula okungenani okungu-6K eminyakeni eyishumi!

Bona amandla omlingo wenzalo ehlanganisiwe?

Manje, kuthiwani uma behlanganiswa nsuku zonke?

Nazi ezinye izindlela ongathola ngazo inzalo ehlanganisiwe nsuku zonke ngo-2024.

• Isitifiketi sediphozithi

Siyini isitifiketi sediphozithi?

Eyaziwa nangokuthi i-CD, isitifiketi sediphozi siwuhlobo olukhethekile lwe-akhawunti yokonga.

Ufaka imali yakho kule akhawunti yokulondoloza futhi uthembise (uyavuma) ukuthi ngeke ukhiphe imali ngesikhathi esithile.

Uma kuphela leso sikhathi, ubuyisa imali yakho kanye nayo yonke inzalo etholakele ngalesi sikhathi.

Ungaqala kanjani ngesitifiketi sediphozi kinda utshalomali.

Ungacabanga ukuthatha leli thuba lokutshala imali uma unemali ethize ongeke uyidinge eminyakeni ethile ezayo.

Mhlawumbe ufuna ukonga ukuthenga imoto, ikhaya elisha, noma lelo holidi.

Esimweni esinjalo, kungakuhle ukuthi uhlale kude nemakethe yamasheya noma amabhondi ngoba ungalahlekelwa yimali ngaleso sikhathi.

Noma mhlawumbe ufuna ingxenye ethile yemali ifakwe emgqonyeni ophephile ngendlela evumayoironment kude nobudlova nokuntengantenga kwemakethe yamasheya, khona-ke isitifiketi sediphozi siyindlela yakho.

Ukuze uqalise, cishe wonke amabhange nezinyunyana zezikweletu zinikeza leli thuba lokutshala imali.

Kanjalo, ungathatha uhambo lokuya egatsheni lebhange eliseduze futhi ucele ukubheka imigomo yabo yokunikezwayo.

• Ama-akhawunti wokulondoloza inzalo ephezulu.

Aziwa nangokuthi ama-akhawunti enzalo enesivuno esikhulu, lolu wuhlobo lwe-akhawunti yediphozithi ongayithola ku-inthanethi nasegatsheni lebhange langakini.

Ngokungafani nama-akhawunti ajwayelekile okonga, ama-akhawunti wokonga inzalo ephezulu avame ukuza namanani wenzalo ekhangayo nembuyiselo engcono.

Manje yini ebanjwayo?

Yebo, ukuqhubeka uhola kakhulu, kuyadingeka ukuthi ugcine i-akhawunti yakho yokonga futhi ubheke ama-akhawunti ezikhungweni ezahlukahlukene.

Uma ujwayele ukusebenzisa womabili ama-akhawunti ebhange elifanayo, lokhu kuzozwakala kungathandeki ekuqaleni.

Kepha ngenxa yokutholakala kokudluliswa kwe-elekthronikhi phakathi kwamabhange, ungahambisa kalula futhi ngokushesha imali yakho ususe ebhange A uye ebhange B.

Uma ucabanga ngale ndlela elula yokuthola inzalo ehlanganisiwe nsuku zonke, nazi izeluleko zokuyithola:

• Izinga lenzalo - ingabe amanani owanikwa wona ajwayelekile noma enzelwe nje ukuphromotha? Kufanele uyiqonde ngoba eyokugcina izotholakala isikhathi esithile.
• Yimalini edingekayo ukuvula i-akhawunti enjalo? Ingabe ukhululekile ngayo?
• Kudingeka ibhalansi encane
• Ngabe kukhona imali ekhokhwayo yokusebenzisa i-akhawunti? Ungakugwema kanjani? Isibonelo, ukugcina ibhalansi ye-akhawunti yakho ingaphezulu komkhawulo.

2. Amabhondi

Lena enye yezindlela ezingcono kakhulu nezilula zokuzuza inzalo ehlanganisiwe nsuku zonke.

Kuwuhlobo lwethuluzi lemali engenayo egxilile elimelela imalimboleko eyenzelwe umboleki (ikakhulukazi uhulumeni noma inkampani).

Yicabange njenge-IOU phakathi kombolekisi (wena) nomboleki (uhulumeni). Kufaka imininingwane ebalulekile yemalimboleko nezinkokhelo.

Ngamabhondi, uvuma nje ukunikeza imali yakho kumboleki isikhathi esithile. Futhi uma leso sikhathi sesiphelile, uthola inani lebhondi libuyiselwe.

Ngokwengeziwe, uthola isigqebhezana (inani lenzalo ovumelana ngalo) minyaka yonke.

Nazi ezinye izinhlobo zezibopho:

• Izibopho zikahulumeni - lezi ziwuhlobo lwebhondi ekhishwe ngabakwa- UMgcinimafa kaHulumeni waseKenya. Ngakho-ke, kunezigaba ezintathu lapha, 'iMithethosivivinywa', ekhishwa uMnyango Wezezimali futhi ethatha unyaka noma ngaphansi ukuthi ivuthwe. Bese kuba khona 'amanothi.' Lokhu kuthatha noma yini ephakathi kuka-1 kuya kweyi-10 ukuvuthwa. Okokugcina, kukhona lezo zibopho ezinenkathi yokukhula engaphezu kwe-10 yeminyaka eyi-10, ebizwa ngokuthi 'amabhondi.'
• Izibopho zebhizinisi. Ikhishwe yizinkampani esikhundleni sokuboleka imali ebhange.
• Izibopho ze-ejensi - kukhishwe izikhungo ezisebenzisana nohulumeni
• Izibopho zikamasipala - kukhishwe omasipala nezifundazwe.

Ngokwengeziwe, ungabona ukuthi amabhondi angaphandle anikezwa nguhulumeni.

3. Amasheya

Amasheya awuhlobo lotshalo-mali lapho abantu abavamile bethola khona iqhaza kubunikazi bezinkampani eziphumelela kakhulu emhlabeni.

Lapho uthenga amasheya, kusho ukuthi manje usunengxenye yaleyo nkampani.

Ngakolunye uhlangothi, amasheya ayindlela yezinkampani zokukhulisa imali yokwenza amaphrojekthi, akhuthaze ukukhula, futhi anike amandla ezinye izinhlelo.

Manje, njengoba ungumnikazi wenkampani, unelungelo lokuthola ingxenye yempahla yayo nemali etholwayo.

Lokhu kunqunywa inani lamasheya onawo ngokuhlobene namasheya asele asele akhona.

Ngokwesibonelo:

Uma inkampani i-XYZ inamasheya angu-2,000 futhi uthenga amasheya angu-200, manje usunelungelo lesimangalo ku-10% wenzuzo yenkampani kanye nempahla.

Njengalokhu, ukuba namasheya kungenye yezindlela ezilula zokuthola inzalo ehlanganisiwe nsuku zonke.

Kusho ukuthi uma inkampani imemezela inzuzo, uthola isabelo sakho ngendlela yezabelo.

Manje, amasheya amaningi owaba nawo, ayanda imali oyiholayo.

4. Ukuphepha koMgcinimafa

Ukuphepha kukaMgcinimafa kufaka phakathi izinketho zokutshala imali njengezikweletu, amanothi, namabhondi.

Ngakho-ke, lapho uthenga isivikelo Somgcinimafa Kahulumeni waseKenya, umane uboleka imali yakho kuhulumeni omkhulu, obuye athembise ukuyibuyisela kanye nenzalo ngemva kwesikhathi esithile.

Lezi zibambiso zikaMgcinimafa yilokho esikumboze ngamabhondi Futhi zonke ziza nezikhathi ezahlukahlukene zokuvuthwa.

Ngakho-ke kuya ngezinhloso zakho, ungaya kunoma yikuphi.

Ngokwesibonelo:

Uma ufuna ukugibela umlingo wenzalo isikhathi eside, cabanga ngama-'bond.' Kuthatha okungenani iminyaka eyi-10 ukukhula, ngaleyo ndlela kukunikeze isivuno esikhulu.

5. IZIMPENDULO

Eyaziwa nangokuthi I-Real Estate Investment Trusts, ama-REIT ayithuba elikhethekile lokutshala izimali kunoma ubani ofuna ukutshala izakhiwo ezingenayo imali eyanele noma ongafuni ukuba nezindawo ezithengiswayo.

Leli thuba likuvumela ukuthi usebenzise amandla okwenza ingcebo ngokuhlanganyela ebunini.

Ngakho-ke okwenzekayo ukuthi uthenga amasheya enkampani ephethe futhi esebenza izakhiwo ezikhiqiza imali.

Lokhu kusho ukuthi uzobe uzuza izinzuzo ngezimpahla zenkampani nemali etholwayo.

Ama-REIT angenye yezindlela ezilula zokuthola inzalo ehlanganisiwe nsuku zonke ngoba akudingeki ukhathazeke ngokuphatha izakhiwo.

6. Amakhaya aqashisayo

Kepha uma ufuna ukubamba iqhaza ngokugcwele ekusebenzeni kwezakhiwo ezingenisa imali, kufanele ucabangele izindlu eziqashisayo.

Lapha, ungathenga ikhaya bese uliqashisa emakethe. Ngale ndlela, izobe ikungenisela imali ngenyanga.

Enye indlela ukuqala ekuqaleni ngokwakha izindlu eziqashisayo.

Imfihlo ukukhomba izindawo ezikhulayo eduze kwamakhampasi. Yakha amayunithi womndeni owodwa noma ama-beditters bese usetha imali yokuqasha engabizi.

Futhi, qiniseka ukuthi izakhiwo zakho zinokuphepha okwanele nokuthola amanzi njalo.

Ukuvala

Inzalo eyindilinga yindlela eqinisekile yomlilo vumela imali yakho ikusebenzele.

Cabanga ngale mibono ukuqala ukwenza imali ngenkathi ulele.