Ukutshala imali kusho ukusebenzisa imali ukuthenga impahla ngethemba lokuthi izokhula ngenani noma ikhiqize inzuzo. Lokhu kwehlukile ekongeni imali ku-akhawunti yasebhange ukuze iphephe futhi ifinyeleleke kalula. Amasheya amele ubunikazi enkampanini. Isabelo singakhula ngenani noma sikhiphe izabelo zenzuzo, kodwa inani laso lingehla kakhulu uma inkampani noma imakethe iyonke ingasebenzi kahle. Amabhondi ayimali ebolekwa ohulumeni, izinkampani noma abanye ababoleki. Angakhokha inzalo, kodwa anezingozi ezinjengokwehluleka komboleki ukukhokha, ukushintsha kwamazinga enzalo nokuncipha kwamandla okuthenga. Izikhwama ezihlanganyelwe nezikhwama ezihwebelana emakethe, ezivame ukubizwa ngama-ETF, zinezimpahla ezihlukahlukene. Isikhwama esisodwa singasabalalisa imali ezinkampanini noma kumabhondi amaningi, nakuba ukusabalalisa utshalomali kungaziqedi zonke izingozi. I-akhawunti yomdayisi wokutshalwa kwezimali iyindlela evamile e-United States yokuthenga nokudayisa izimali ezitshaliwe. I-akhawunti yomhlalaphansi, efana ne-401(k) noma i-Akhawunti Yokonga Yomhlalaphansi Yomuntu Ngamunye, ingase ibe nemithetho yentela ekhuthaza ukonga kwesikhathi eside. Abatshalizimali kufanele bahambisane nohlelo lokutshala imali nenhloso yabo, isikhathi abanaso nekhono lokwamukela ukulahlekelwa. Imali ezodingeka maduze ngokuvamile akufanele incike kakhulu ezimpahleni amanani azo angashintsha nsuku zonke. Izindleko, izintela, ukwehla kwamandla emali, ukukhwabanisa nezinqumo ezenziwa ngemizwa kunganciphisa imiphumela. Ukuhwebelana njalo nokubeka imali eningi enkampanini eyodwa noma emkhakheni owodwa kungadala izingozi okunzima ukuzibona ekuqaleni. Inqubo eyisisekelo iwukwakha imali yokulondoloza izimo eziphuthumayo, ukuchaza umgomo, ukukhetha indlela ehlukanisa utshalomali, ukutshala imali njalo nokubuyekeza uhlelo ngezikhathi ezithile. Izinqumo zokutshala imali kufanele zisekelwe ezingozini nasezindlekweni oziqondayo, hhayi ezithembisweni zenzuzo esheshayo.
Ukutshala imali e-United States
Ukutshala imali e-United States kusho ukufaka imali ezimpahleni ezingakhula ngenani noma zikhiqize inzuzo ngokuhamba kwesikhathi. Izinketho ezivamile zihlanganisa amasheya, amabhondi, izikhwama ezihlanganyelwe, izikhwama ezihwebelana emakethe nama-akhawunti omhlalaphansi. Ukutshala imali kungakha ingcebo, kodwa amanani angehla futhi ayikho inzuzo eqinisekisiwe.
Tip
Sebenzisa ukutshala imali ikakhulu emigomweni esele neminyaka eminingi, ngemva kokuba usunemali egciniwe ongayisebenzisa. Uhlelo olulula noluhlukanisa utshalomali oluqondayo ngokuvamile kulula ukululandela kunenhlanganisela yezinketho ezikhangayo kodwa eziyinkimbinkimbi.