Izibhengezo
Kwilizwe lotyalo-mali, abantu abaninzi bakholelwa ukuba kufuneka ube nemali eninzi ukuze uqalise. Nangona kunjalo, ngethamsanqa, le ayiseyiyo inyaniso yanamhlanje.
Ngokuhambela phambili kwetekhnoloji yezemali kunye nokwandiswa kokufikeleleka kwemarike yezemali, ngoku kukho iinketho ezininzi zotyalo-mali ezifikelelekayo ezenza ukuba phantse nabani na aqalise ukwakha ubutyebi bakhe.
Izibhengezo
Kutheni kufuneka ucinge ngotyalo-mali olufikelelekayo?
Ngaphambi kokuba singene kwiinketho, kubalulekile ukuqonda ixabiso lotyalo-mali olufikelelekayo. Utyalo-mali alulolwabantu abazizityebi kuphela. Kungenxa yokuba, ngeenketho zotyalo-mali ezinexabiso eliphantsi, ungaqalisa ukwakha ikamva lezemali elikhuselekileyo, nokuba yintoni na ingeniso yakho yangoku.
Ukongeza, utyalo-mali olufikelelekayo lukuvumela ukuba ufake imali encinci, ethi ekuhambeni kwexesha ikhule ngenxa yenzala ehlanganayo kunye neenzuzo zemarike. Ngaphezu koko, utyalo-mali lunokunceda ukukhusela imali yakho ekunyukeni kwamaxabiso, luqinisekise ukuba amandla akho okuthenga awanciphi ekuhambeni kwexesha.
Iinketho ezi-3 zotyalo-mali ezifikelelekayo kwabaqalayo
- Tesouro Direto: I Tesouro Direto yenye yezona ndlela zotyalo-mali zidumileyo eBrazil ngenxa yokhuseleko nokufikeleleka kwayo. Ungaqala ukutyala imali ngezixa ezincinci kakhulu, kwaye le nkqubo ivumela abatyali-mali ukuba bathenge izibambiso zikarhulumente ngqo kurhulumente. Oku kuthetha ukuba umngcipheko uphantsi kakhulu, kuba akunakwenzeka ukuba urhulumente waseBrazil angazifezi izibophelelo zakhe zemali. Kukho iintlobo ezahlukeneyo zezibambiso ezikhoyo, ezinye ezikhusela kwixabiso lokunyuka kwamaxabiso, ezinye ezihlawula inzala ngamaxesha athile, njalo njalo, zifezekisa iinjongo ezahlukeneyo zotyalo-mali.
- Abacebisi beRobo: Abacebisi beRobo basebatsha ngokwentelekiso kwimarike yaseBrazil, kodwa bakhawuleza ukuthandwa. Basebenzisa ii-algorithms ukulungiselela utyalo-mali ngokweprofayile neenjongo zakho. Ngeendleko zokuqala eziphantsi kunye nemirhumo yolawulo encitshisiweyo, abacebisi beRobo bayindlela ebalaseleyo yokufikelela kutyalo-mali olwahlukeneyo, njengeengxowa-mali zesalathiso kunye nee-ETF, ngaphandle kokufuna imali eninzi ukuze uqalise.
- Iingxowa-mali zoTyalo-mali: Iingxowa-mali zotyalo-mali zikuvumela ukuba utyale imali kwingobozi eyahlukeneyo yee-asethi usebenzisa iimali ezincinci. Zilawulwa ziingcali kwaye zinezicwangciso ezahlukeneyo, ukusuka kwizabelo ukuya kutyalo-mali olunengeniso esisigxina, kwiimarike zamazwe ngamazwe nokunye. Ezinye iingxowa-mali zinemali yokuqala ephantsi kakhulu, nto leyo ezenza zifikeleleke kuninzi lwabatyali-mali.
Ukuqalisa ukutyala imali sesinye sezona zigqibo bezemali zikrelekrele onokuzithatha, kwaye akuyomfuneko ukuba ube sisityebi ukuze wenze oko. Ngeendlela zotyalo-mali ezifikelelekayo ezikhoyo namhlanje, ungaqalisa kancinci uze ukhule ngokuhamba kwexesha.
Okubalulekileyo kukuthatha inyathelo lokuqala, uhlale uzinzile uze uqhubeke nokufunda. Ngoko ke, kutheni ungaqalisi namhlanje ngenye yezi ndlela zifikelelekayo? Ikamva lakho lezemali liya kubulela!
Umfanekiso: Unsplash/Austin Distel
