Izikhangiso
Unokungabaza ngokuthi ungatshala kanjani emalini engenayo engaguquki? EBrazil, imfundo yezezimali ayiyona ingxenye yezifundo ezikoleni zikahulumeni, kanti ezizimele ukufundiswa ngalesi sihloko kujulile kancane. Ngakho-ke, asinalo ulwazi olwanele ngale ndaba ukuze sitshale ngokuphepha.
Yingakho kulo mbhalo sizochaza ukuthi iyini, ungatshala kanjani nokuthi kungani kufanele utshale kule mpahla enikeza umtshali-mali izinzuzo ezibikezelwayo nezingaguquki esikhathini esifushane.
Iyini imali engenayo engaguquki?
Imali engenayo engaguquki ibhekisela esigabeni sokutshalwa kwezimali lapho umtshali-mali enza isivumelwano namabhange noma noHulumeni, ebolekisa imali ukuze athole inzuzo eseyinqunyiwe. Ngamanye amazwi, umtshali-mali useyazi ukuthi uzothola malini njengembuyiselo enenzalo ekupheleni kwesikhathi esivunyelwene ngaso. Ezinye izibonelo zezimpahla zemali engenayo engaguquki yilezi: Tesouro Direto, CDBs (Izitifiketi Zediphozithi Yasebhange) kanye nama-Letras de Crédito.
Ungatshala kanjani?
Okokuqala, udinga ukukhetha impahla yezezimali ehambisana kangcono nezinjongo zakho kanye nephrofayela yakho njengomtshali-zimali. Ngemva kwalokho, kuyadingeka ukuvula i-akhawunti esikhungweni sezezimali, njengebhange noma umthengisi wezimali, ukuze uthenge le mikhiqizo. Ekugcineni, ufaka imali yakho empahleni oyikhethile bese ulinda kuze kufike isikhathi sokuvuthwa ukuze uthole inzuzo.
Kungani utshala imali
Kunezinzuzo eziningi zokutshala imali emikhiqizweni yemali engenayo engaguquki, eyokuqala ukuphepha okunikezwa yilezi zimpahla, njengoba ngokuvamile zinengozi ephansi yokulahlekelwa.
Ngaphezu kwalokho, imali engenayo engaguquki ikuvumela ukuba uhlukanise iphothifoliyo yokutshalwa kwezimali, njengoba kunemikhiqizo eminingi etholakalayo emakethe.
Enye inzuzo ukubikezeleka kwenzuzo, okwenza ukuhlela ezezimali kube lula. Imali engenayo engaguquki inikeza izinketho zamaphrofayela ahlukene abatshali-zimali, ezinezikhathi zokutshala imali ezimfushane, eziphakathi nezinde.
Funda futhi: Izinketho ezi-3 zokutshala imali ezifinyeleleka kuwe
Isithombe: Freepik
