Zotsatsa
Mukukayikira momwe mungayikitsire ndalama mu ndalama zokhazikika? Ku Brazil, maphunziro a zachuma si gawo la maphunziro m'masukulu aboma, ndipo m'masukulu apadera kuphunzitsa za nkhaniyi kumakhala kochepa. Choncho, tilibe chidziwitso chokwanira cha nkhaniyi kuti tiyike ndalama motetezeka.
Chifukwa chake, m'nkhaniyi tifotokoza kuti ndi chiyani, momwe mungayikitsire ndalama, komanso chifukwa chake muyenera kuyika ndalama mu chuma ichi chomwe chimapatsa woyika ndalama phindu lodziwikiratu komanso lokhazikika m'nthawi yochepa.
Kodi ndalama zokhazikika ndi chiyani?
Ndalama zokhazikika zimatanthauza gulu la ndalama zomwe woyika ndalama amapangana ndi mabanki kapena Boma, pobwereketsa ndalama posinthanitsa ndi phindu lomwe lakhazikitsidwa kale. Mwa kuyankhula kwina, woyika ndalama amadziwa kale kuchuluka kwa ndalama zomwe adzalandire monga chiwongola dzanja kumapeto kwa nthawi yomwe anagwirizana. Zitsanzo zina za ndalama zokhazikika ndi: Tesouro Direto, ma CDB (Zikalata za Dipoziti ya Mabanki) ndi ma Letter of Credit.
Kodi mungayikitse bwanji ndalama?
Choyamba, muyenera kusankha chuma chandalama chomwe chikugwirizana bwino ndi zolinga zanu komanso mbiri yanu monga wogulitsa ndalama. Kenako, muyenera kutsegula akaunti ku bungwe lazachuma, monga banki kapena kampani yogulitsa ndi kugula masheya, kuti mugule zinthuzi. Pomaliza, mumayika ndalama zanu mu chuma chomwe mwasankha ndikudikirira mpaka nthawi yake yakwanire kuti mulandire phindu.
Chifukwa chiyani muyenera kuyika ndalama
Pali zabwino zambiri zoyikira ndalama muzinthu zokhala ndi phindu lokhazikika, choyamba ndi chitetezo chomwe zinthuzi zimapereka, chifukwa nthawi zambiri zimakhala ndi chiopsezo chochepa cha kutaya ndalama.
Komanso, ndalama zokhala ndi phindu lokhazikika zimathandiza kusiyanitsa mbiri ya ndalama zomwe mwaika, chifukwa pali zinthu zambiri zomwe zilipo pamsika.
Mfundo ina yabwino ndi kuti phindu limakhala lodziwikiratu, zomwe zimathandiza kukonza dongosolo la zachuma. Ndalama zokhala ndi phindu lokhazikika zimapereka zosankha kwa anthu omwe ali ndi mbiri zosiyanasiyana za kugulitsa ndalama, zokhala ndi nthawi zazifupi, zapakati komanso zazitali za kugulitsa ndalama.
Werenganinso: Zosankha 3 za ndalama zomwe mungathe kuzipeza mosavuta
Chithunzi: Freepik
