ungayithola kanjani imali engenayo?
Uma kuqhathaniswa nemali engenayo oyitholayo ngokuchitha isikhathi sakho nemizamo yakho, imali engenayo engenayo iza ngokuzenzakalelayo njengoba ungahlala eceleni ngemva kokulungiswa kokuqala okufanele. Abanye bathi ukutshala imali ngezikhathi ezithile ezikhwameni ze-index kubhekwa njengokutshalwa kwemali okungaqondile. Ukutshalwa kwezimali nge-time-average noma nge-dollar cost averaging kusho ukuthi utshala imali enqunyiwe esikhwameni se-index ngokuphindaphindiwe ngezikhathi ezithile, ngokuvamile ngenyanga noma ngeviki, kungakhathalekile ukuthi intengo yesikhwama injani. Ungayilungisa ngokukhokha okuzenzakalelayo noma ngokutshala imali okuzenzakalelayo ngokusebenzisa abadayisi bakho bese uyivumela ukuba yakhe ingcebo yakho ngokuhamba kwesikhathi. Izimali ze-index zibonisa ukusebenza kweqoqo lezimpahla ezikhethiwe, ngaleyo ndlela zinikeze isu elihlukahlukene ngokwemvelo yalo. Inkomba ye-SP500 inerekhodi eliqinisekisiwe lokusebenza eliqhamuka kubaphathi bezimali abakhuthele kakhulu. Ngaphezu kwalokho, ukutshala izimali kwezezakhiwo ngandlela-thile akusizi ngalutho uma ushiya konke ukuphathwa kwezakhiwo kochwepheshe. Nokho, iqiniso lokuthi kudinga inani elithile lemali ukuze uqale lenza abatshalizimali abasebasha bayigweme. Esizukulwaneni esisha, ukukhiqiza imali engenayo ngokuqukethwe abakushicilela ezinkundleni zokuxhumana sekuyindlela ethandwayo. Ngokwesibonelo, ukushicilela ama-video esiteshini sakho se-YouTube kudinga isikhathi nomzamo wokudala okuqukethwe. Kodwa uma i-video isiqalile ukusakazwa, iqala ukukhiqiza imali eningi njengoba abantu abaningi beyibukela iminyaka eminingi ezayo.