Ungayenza Kanjani Imali Ikusebenzele eKenya

Ukukwazi ukwenza imali iqhinga elilula kakhulu kulesi sizukulwane.

Ngokujwayelekile, awudingi ukuba nemali yokwenza imali. Futhi awudingi iziqu ukuze ucebe…

Ukukwazi ukwenza imali ngokushesha kukwenza ukwazi ukungqongqoza izinto eziningi ohlwini lwakho lwamabhakede.

Kungaba ukuchitha isikhathi esithe xaxa nomndeni wakho, noma ukongela ukugcina ekugcineni unaleyo nto obukade uyifuna; ukuba nemali kuyakuhlukanisa.

Kepha uma usuzuzile INKULULEKO yezezimali oyifisa kangako, uwuthatha kuphi lowo mkhawulo ocashile phakathi kokusebenza nokuthatha umhlalaphansi?

Futhi ngemuva kwalokho, uyenza kanjani imali yakho ikusebenzele ukudala ingcebo ethe xaxa ngenkathi uphumule?

Eposini lanamuhla ngizokukhombisa okungenani izindlela eziyi-9 zokuvumela imali yakho ikusebenzele.

Ngabe uphumile ukubona uhlu lwami?

Ungayenza kanjani imali ikusebenzele eKenya

Ngaphambi kokuthi singene kule mibono ethokozisayo yokuthi "yenza imali ikusebenzele"; ake sihlukanise leli binzana, "yenza imali ikusebenze?"

Ungayenza kanjani imali ikusebenzele?

Kuyavela, ukukwenzela imali eKenya akuyona isayensi ye-rocket. Akuyona into okufanele 'uthengise umphefumulo wakho' ukuyisho, ukuze uyizuze.

Nakhu engikuthole ocwaningweni lwami:

Ukuze imali ikusebenzele, kufanele ubambe ezezimali zakho. Udinga ukufunda ukulawula indlela osebenzisa ngayo imali ngokwenza izinqumo ezinolwazi ngalokho okufanele ukunake ngaleso sikhathi.

Manje, njengoba imali yakho ilawulwa, ungaguqula ukugxila kwakho ekuqinisekiseni ukuthi uqhubeka nokuphindaphindeka imali engenayo njengokwengeza imifudlana emisha engenayo.

Ngale ndlela, uthola lokho ochwepheshe abakubiza ngokuthi ukuzinza nokuphepha kwezezimali. Ibizwa kanjalo ngoba, kulesi sigaba, imali engenayo ingaphezu kokuphuma kwemali. Ngakho-ke akudingeki uphinde ukhathazeke ngokungaphuthelwa isidlo sakusihlwa noma ukwehluleka ukusebenzisa izindleko.

Ukuze ube nobuciko bokuzuza ukuphepha kwezezimali, sebenzisa izeluleko ezilandelayo zokwenza imali ikusebenzele eKenya.

1. Hlala phansi wakhe isabelomali

Yebo, ngiyakubona ukububula ebusweni bakho, kubhajethi, kubhajethi nakusabelomali.

Wonke umuntu ukhuluma ngokuba nesabelomali.

Kepha ake ngibuze lokhu, bangaki kithi abanesabelomali?

Heck, bangaki bethu abanamathele kubhajethi yabo?

Akuwena wedwa, cishe abantu abayi-8 kwabayi-10 abanaso isabelomali ngakho-ke abazi ukuthi uzosebenzisa nini nokuthi nini.

Kepha hhe, lokhu kuyaphela manje. Uma ufuna ukwenza imali ikusebenzele, udinga ukwazi umholo wakho nezindleko zakho. Ukuze wenze lokho, udinga ukuthi ube nesabelomali.

Ukuba nesabelomali kukwenza ube nesiyalo, ngakho-ke kukusiza ekulawuleni izimali zakho.

Ngokufanelekile, isabelomali sisiza:

• Khombisa ukuthi usebenzisa imali engaphezu kwaleyo oyiholayo noma ngaphansi kunalokho ongakwazi ukukukhokhela
• Futhi kusiza ukugxila kunoma yiziphi izimali ezitholakalayo ezintweni ezibaluleke kakhulu, uyazi, izinto ezibaluleke kakhulu, ngokwesibonelo, ukukhokha izikweletu, ukukhokha isikweletu, nokonga izinhloso zesikhathi esizayo.

Namuhla, ngeke ngikubulale ngokuthi isabelomali kufanele sibukeke kanjani, ikakhulukazi ngoba kunethoni lamathuluzi nezifundo zokuthi ungakwenza kanjani okufanayo.

Amanye amathuluzi wesabelomali wamahhala athandwayo afaka phakathi Mint.

Ngaphandle kwalokho, ungaya ngendlela endala yesikole nge-spreadsheet.

2. Cabanga ngokuvula i-akhawunti yokonga enesivuno esikhulu

Wonke umuntu uyamemeza, konga imali!

Kulungile, lokho akulona iqiniso lonke.

Uyabona, udinga imali eyanele ebekwe kwenye indawo eyanele ukukugcina okungenani izinyanga eziyisithupha ngaphandle komthombo wemali engenayo (uma nje kwenzeka okuthile kumthombo wakho wamanje wemali engenayo).

Ungacabangi ukuthi awusoze wadinga imali ngokuzayo, ngakho-ke asikho isidingo sokonga.

Uma uhamba ngalo mzila, uzibekela ukwehluleka kamuva.

Noma ngabe wenza okuhle okwamanje, qiniseka ukuthi ubeke ingxenye yemali oyitholayo yamanje ngezinsuku zemvula.

Okwakho, akufanele kube yinoma iyiphi enye i-akhawunti yokonga. Okungenani hhayi lona okunika isilinganiso senzalo esingu-0.01%, ungcono ngokufaka imali yakho esokisi bese uyisebenzisa njengomcamelo.

Kepha uma lena akuyona indlela yami enconyiwe yokonga, iyiphi indlela engcono kakhulu yokonga ngenkathi wenza nemali ngokheshi onqotshiwe?

Iya kuma-akhawunti wokulondolozwa okuphezulu futhi uthole okungenani inani elingu-1% lenani lemali yakho yokonga.

Ungathathi izwi lami ngakho.

Amanani enzalo anjalo, izimo, nezimali ziyahlukahluka kuye ngamabhange. Kepha engikutholile ukuthi la mabhange asebenza kuphela ku-inthanethi angumsebenzi omkhulu.

Banikela ngamanani enzalo aphezulu ngoba abanazindleko eziningi njengokugcina amagatsha.

Yenza ucwaningo lwakho futhi ubone ukuthi yini ehambisana nezidingo zakho.

3. Khokha isikweletu sakho

Ukukhokha isikweletu sakho kukusiza kanjani ukuthi imali ikusebenzele?

Lalela lokhu:

Ngesinye isikhathi, ngamunye wethu kufanele abhekane nohlobo oluthile lwezikweletu.

Kungaba yimali ebolekiwe, imali mboleko yabafundi, noma isikweletu sekhadi lesikweletu phakathi kokunye. Kuyindlela yokuphila nje, kodwa lapho ususa ngokushesha lo mthwalo emahlombe akho, yilapho uthola ngokushesha izimali zakho.

Cabanga umzuzwana:

Wonke usheleni owusebenzisayo ukukhokhela inani lemali eyinhloko uyakususa ekukhokheni inzalo kuyo leyo samba.

Lokhu kusho ukuthi ungabi nesikweletu ngesikhathi esifushane kakhulu kunokulindelekile.

Ngicabanga ukuthi engikushoyo ukuthi ukukhokha isikweletu sakho ngokushesha, kubuyisela imali ku-akhawunti yakho yasebhange ngokuhamba kwesikhathi.

4. Cabanga ngokutshala imali kumasheya

Ngiyazi ukuthi wonke umuntu ucabangani lapho etshelwa ukuthi aqale ukutshala imali ezimakethe zamasheya, kudinga ithani lemali enkulu ukuqala.

Lowo ngumbono oyiphutha ovamile, awuwedwa.

Omunye wabadayisi bamasheya abahamba phambili emhlabeni, owenza izigidi, uWilliam O'Neil wake washo ukuthi awudingi izigidi ukuze uqale ukwenza izitoko zokuhweba ngemali.

Ngama- $ 500 kuya ku- $ 1000 nje, ungaqala futhi uqhubeke nokutshala imali emuva njengoba uhamba.

Kuthiwani ngokufunda ukuthi ungakwenza kanjani trade?

Awu, awudingi ukwazi konke mayelana nemakethe yamasheya futhi.

Izindlela eziningana zikuvumela ukuthi ube ngumtshali-zimali ongenzi lutho.

Kucabange njengohlelo 'lwesethi bese ukhohlwa' olukuvumela ukuthi uvumele imali yakho ikusebenzele.

Ngokwesibonelo:

• Abeluleki beRobo – Kulezi zinkundla, awudingi ukukhetha izitoko mathupha. Abeluleki beRobo basebenza ngokusebenzisa izinhloso zakho ukwakha iphothifoliyo yokutshala imali ezofeza izinhloso. Thola konke lokhu ngenkokhelo yesevisi engu-0.25% ukuya ku-0.50% wesamba sempahla yakho.
• Ukushintshanisa-Traded Izimali (ETFs) - Esikhundleni sokuhweba amasheya ngokuqondile, ama-ETF akuvumela ukuthi usebenzise inkomba eyisisekelo futhi wenze imali. Uhlelo olunjalo oludumile yi-S&P 500. Iza namathuba ahlukahlukene okutshala imali. Azinabungozi kangako, ngakho zilungele umuntu oqalayo noma labo abafuna ukutshalwa kwezimali okungeyona ingozi kangako

Ukutshala imali kuyindlela # 1 yokwenza imali ikusebenzele eKenya.

5. Ungumnikazi wendawo yokuqasha

Izindlu ezithengiswayo ziyindlela ehamba phambili eyaziwayo yokujoyina ikilabhu le usozigidi eKenya. Bheka bonke abahola phambili ezweni, ngiyakubheja ukuthi banendawo ethile kwenye indawo engenisa imali njalo ngenyanga.

Ukuphela kokufanele ukwenze ukuthola isiqeshana somhlaba eduze kwendawo ekhulayo, lokhu kungaba yidolobha, eduze kwezikhungo ezifana nekolishi.

Yakha amayunithi wokuqasha, bese usetha imali efanelekile ngenyanga. Kungakapheli sikhathi, impahla yakho izobe iheha abaqashi abazokukhokhela njalo ngenyanga.

Futhi manje uyazibuza ukuthi ungayithathaphi inhlokodolobha.

Yebo, uma unesikweletu esihle, cabanga ukuthatha imalimboleko ebhange lakho lasendaweni.

Kepha yenza lokho kuphela uma uqinisekile ukuthi impahla izoqala ukuhola ngokushesha nje lapho isiqediwe.

Kungani? Lokhu kungenxa yokuthi ingcebo iyimakethe ejikelezayo. Namuhla kunesidingo esikhulu, kusasa izakhiwo zidayiswa endalini.

Uma ubheka lokhu njengendlela yakho yokwenza imali ikusebenzele eKenya, isikhathi siyikho konke.

Funda futhi: - INDLELA YOKWENZA IMALI NGAPHANDLE KWEMALI EKENYA

6. Faka imali kumasheya okutshala izindlu nomhlaba (ama-REIT)

Uma ucabanga ukuthi ukuba nempahla kuyingozi kakhulu, noma umane ungakwazi ukukhokhela yonke le nto, ama-REIT yinto yakho.

I-REIT yinkampani engumnikazi futhi esebenza ngempahla engenisa imali ethengiswayo. Njengomtshali-zimali enkampanini enjalo, uthola ukuncishiselwa kunoma iyiphi inzuzo, imali engenayo (ingaba inzuzo noma ukulahlekelwa), ukuthengisa, kanye nezimali ezitshalwe kabusha ngendlela yezinzuzo.

Ukuphela kokufanele ukwenze ukuthenga amasheya ezinkampani ezinjalo ngabathengi.

Lapha, ungumnikazi wengxenye yenkampani engumnikazi wezindawo eziningi ezithengiswayo. Njengalokhu, njengomtshali-zimali, ukhokhelwa ngezinzuzo. 

Le yindlela enhle yokuthola ucezu lukaphayi ngaphandle kokukhipha intamo yakho.

7. Thola inqubomgomo yempesheni

Impesheni wuhlobo lomshwalense lapho ukhokha khona isamba semali ngaphambi kwesikhathi.

Ngemuva kwalokho, inkampani yomshwalense izoqala ukukukhokhela inani elishiwo nyangazonke impilo yakho yonke uma ipholisi isivuthiwe.

Kuyinto enhle kunazo zonke ongayenza manje ukuqinisekisa ikusasa elihle, ikakhulukazi uma unezinsuku ze-hay manje.

Nakuba lokhu kungase kuzwakale kuthembisa kakhulu futhi kuyindlela ephelele yokuthatha umhlalaphansi kwabancane nabacebile, kungani kungenabo bonke abantu abakwenzayo?

Kuvele ukuthi ama-annuities eza nenzalo ephansi kakhulu futhi uthola ukufinyelela okulinganiselwe emalini yakho. Lokho kuchaza ukuthi kungani abantu beyibalekela.

Kepha, kungokwakho uma unesineke esanele kanye nesibindi esiningi sokubeka engcupheni.

8. Qala ibhizinisi

Ngaphambi kokuxubha lokhu eceleni, ngizwe.

Ukuqala ibhizinisi kuyindlela eqinisekile yokwenza imali ikusebenzele. Ukuba nebhizinisi kusho ukuthi ungenza imali ngenkathi ulele noma ungekho.

Kepha njengoba usuvele wazi, akuwona wonke amabhizinisi akhiwe ngokufanayo.

Ezinye zizohlala zidinga ukuthi ubekhona noma kungenjalo imisebenzi izoma. Gwema amabhizinisi anjalo.

Okufanele ugxile kukho yibhizinisi elingasebenza kahle ngaphandle kokuthi ube seduze kwakho. Awudingi into ezojika ibe umsebenzi wesikhathi esigcwele futhi noma okubi nakakhulu.

Uma sekushiwo lokho, thola umbono webhizinisi osebenzayo futhi uwususe phansi. Uma isiqala ukukhiqiza imali eyanele ukuziphilisa, idlulela kwelinye ibhizinisi.

Uma ungaqala okungenani amabhizinisi amathathu anjalo, uthole ukuthi ungayenza kanjani imali ikusebenzele eKenya.

Ngokwethiyori, noma yiliphi ibhizinisi lingasebenza ngaphandle kwakho, uma ungathola abantu abanamakhono anele ukulisebenzisela wena.

Kodwa futhi, kuza phansi kokuthi ibhizinisi likhiqiza imali eyanele ukumboza izindleko zalo futhi lihlale nensada.

9. Tshala imali ekuqaleni

Uma ungenaso isineke sokubona ibhizinisi lisuselwa phansi, cabanga ngokuba nguzakwethu 'othule' ebhizinisini.

Mhlawumbe unomngane onombono omangalisayo, ngakho kungani ungafaki isikhathi sakho noma imali emcabangweni wakho? Lapho izinto zihamba, uzobe ukhiqiza imali ngaphandle kokwenza noma yimuphi umsebenzi.

Lena indlela engcono kakhulu yokwenza imali ikusebenzele. Kungenye yalezo zindlela ezilula osozigidi abazisebenzisayo ukuze bazigcine becebile, njalo.

Inselelo lapha ukuthola lowo mbono owodwa wokuguqula.

Ukukhuluma ngobuqotho, udinga umbono owodwa kuphela ophumelelayo ukuze uzenzele imali ethe xaxa kunalokho ongakusebenzisa.

Ukuvala

Le mibono ikusiza ukuthola ukuthi ungayenzela kanjani imali eKenya. Kuyinhloso yethu sonke ukujaha zonke izinsuku zokuvuka, ngenkathi abanye befika lapho ngokushesha, akusho ukuthi ngeke.

Vele ubekezele, isikhathi sakho siyeza.

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