Kusimo sezomnotho esishintshashintshayo sanamuhla, ukuphishekela inkululeko yezezimali kuvame ukuzungeza ekuhlukaniseni izindlela ezingenayo, ngokugxila okubalulekile ekukhiqizeni imali engenayo. Imali engenayo engenzi lutho isho imali etholwayo etholakala emisebenzini edinga umzamo omncane oqhubekayo ukuze uyinakekele. Lokhu kusakazwa kwemali engenayo akunikezeli nje kuphela ukuzinza kwezezimali kodwa futhi kunikeza ukuguquguquka kokuphishekela ezinye izintshisekelo nezinhloso. Kule ndatshana, sizohlola imibono eyishumi eqinile yemali engenayo, ngayinye inikezela ngamathuba ahlukile okukhiqiza imali engenayo engashintshi.
Ukutshalwa Kwezindlu Nezindlu: Ukutshalwa kwezimali kwezindlu kume njengesisekelo samasu okuthola imali angenzi lutho kubantu abaningi. Ukutshala imali ezindaweni eziqashisayo kuvumela abatshalizimali ukuthi bathole imali engenayo ngezinkokhelo eziqashisayo zanyanga zonke. Isihluthulelo sempumelelo ku-real estate sise ucwaningo lwemakethe olunzulu, amakhono okuphatha izakhiwo, nokuqonda ukugeleza kwemali. Ukwengeza, ama-Real Estate Investment Trusts (REITs) anikezela ngendlela yokutshala imali ezakhiweni ezikhiqiza imali engenayo ngaphandle kwezibopho zokuphatha izakhiwo.
Amasheya Akhokha Izabelo kanye nama-ETF: Ukutshala imali ezitokisini ezikhokha izabelo kanye Nezikhwama Zokuhweba Nge-Exchange-Traded (ETFs) elinye isu elidumile lemali engenayo. Izinkampani ezisabalalisa izabelo njalo zinikeza abaninimasheya ingxenye yenzuzo yabo, ngokuvamile njalo ngekota. Izabelo ze-dividend zithandwa ngamandla azo okukhiqiza imali engenayo engaguquki kanye nokukhula kwesikhathi eside, okuwenza abe yinketho ethembekile kubatshalizimali abangenzi lutho abafuna ukwakha ingcebo ngokuhamba kwesikhathi.
I-High-Yield Bonds ne-ETF ye-Bond: Amabhondi anesivuno esikhulu kanye nama-ETF e-Bond anikeza abatshalizimali ithuba lokuzuza imali engenayo ngezinkokhelo zenzalo egxilile. Lezi zimali ezitshaliwe ngokuvamile zinikeza isivuno esiphezulu uma kuqhathaniswa nama-akhawunti okulondoloza endabuko noma ama-CD, okuwenza athandeke kulabo abafuna ukuhamba kwemali okuzinzile nengozi ephansi uma kuqhathaniswa. Ama-ETF angamabhondi ahlinzeka ngokuhlukahluka kuphothifoliyo yamabhondi, ehlisa ingcuphe yekhredithi yomuntu ngamunye futhi athuthukise ukuzinza okuphelele.
Dala futhi Uthengise Imikhiqizo Yedijithali: Esikhathini sedijithali, ukudala nokudayisa imikhiqizo yedijithali kumelela indlela enenzuzo yokuthola imali engenayo. Imikhiqizo yedijithali efana ne-e-books, izifundo ze-inthanethi, nesofthiwe ingathuthukiswa kanye futhi ithengiswe ngokuphindaphindiwe ngaphandle kwesidingo sezindleko zokukhiqiza eziqhubekayo. Imikhiqizo yedijithali ephumelelayo ivamise ukuxazulula izinkinga ezithile noma ihlinzekele izimakethe ze-niche, okuvumela abadali ukuthi bathole imali engenayo evela ezithamelini zomhlaba jikelele.
Ukumaketha Okuhambisanayo: Ukumaketha okuhlangene kwenza abantu bathole imali engenayo ngokuphromotha imikhiqizo noma amasevisi ahlinzekwa ezinye izinkampani. Ngezixhumanisi ezihambisanayo kumawebhusayithi, amabhulogi, noma izinkundla zokuxhumana, abakhangisi bathola amakhomishini ngokuthengisa okukhiqizwa ngokuthunyelwa kwabo. Abadayisi abasebenzisana nabo abaphumelelayo bakhetha imikhiqizo eqondaniswe nezintshisakalo zababukeli, basebenzise ubukhona babo ku-inthanethi ukuze baqhubekisele phambili ithrafikhi nokuguqulwa.
Ukubolekwa kontanga kuya kontanga: Izinkundla zokuboleka kontanga (P2P) zixhuma ababolekayo nababolekisi, okwenza abantu ngabanye bathole imali engenayo ngokukhokha inzalo. Abatshalizimali bangakwazi ukuhlukanisa amaphothifoliyo abo ngokuboleka amanani amancane kubaboleki abaningi, basakaze ubungozi kuyilapho bethola izinzuzo ezikhangayo. Izinkundla zokuboleka ze-P2P zisiza ukuthengiselana obala futhi zinikeze amathuluzi okuhlola ukufaneleka komboleki, okuthuthukisa ukuzethemba kwabatshalizimali kanye nokunciphisa ubungozi obuzenzakalelayo.
Dala isiteshi se-YouTube noma i-Podcast: Ukudala nokwenza imali ngokuqukethwe ngezinkundla ezifana ne-YouTube noma ama-podcast sekuvele kuyindlela edumile yokwenza imali engenayo. Abadali bokuqukethwe baheha izethameli ngamavidiyo ahehayo noma ngokuqukethwe okulalelwayo, ngokwenza imali ngeziteshi zabo ngenzuzo yezikhangiso, uxhaso, nokudayiswa kwempahla. Ngokuzinikela nokudala okuqukethwe okungaguquki, abadali abaphumelelayo bangakha imithombo yemali engenayo kancane kuyilapho babelana ngemininingwane ebalulekile noma ukuzijabulisa nezithameli zabo.
Ama-Akhawunti Wokulondoloza Inzalo Ephezulu nama-CD: Nakuba inikeza isivuno esiphansi uma kuqhathaniswa nokunye ukutshalwa kwezimali, ama-akhawunti okonga enzalo ephezulu kanye Nezitifiketi Zediphozithi (ama-CD) ahlinzeka ngomthombo ovikelekile nozinzile wemali engenayo engenzi lutho. Lawa mathuluzi ezezimali afaneleka kubantu ababeka phambili ukugcinwa kwezimali kanye nemali engenayo kuyilapho bezuza imbuyiselo encane ekongeni kwabo. Ama-akhawunti okonga enzalo ephakeme ngokuvamile anikeza amanani enzalo ancintisanayo kanye nokufinyelela okulula kwezimali, okuwenza afanelekele imigomo yokonga yesikhathi esifushane.
Yakha Ibhizinisi Eliku-inthanethi: Ukwakha ibhizinisi eliku-inthanethi elisebenza ngokuzimele kungangenisa imali engenayo eningi ngokuhamba kwesikhathi. Amabhizinisi aku-inthanethi ahlanganisa imisebenzi ehlukahlukene, kufaka phakathi izitolo ze-e-commerce, amapulatifomu e-dropshipping, nezinsizakalo ezisuselwe kokubhaliselwe. Ngokusebenzisa i-automation, ukukhishwa kwemisebenzi, nokusebenzisa amasu okuthengisa asebenzayo, osomabhizinisi bangakwazi ukukala amabhizinisi abo aku-inthanethi ngenkathi benciphisa ukubamba iqhaza okusebenzayo emisebenzini yansuku zonke.
Izinzuzo ezivela ku-Intellectual Property: Izinzuzo ezivela empahleni yengqondo, njengamalungelo obunikazi, amalungelo okushicilela, noma izimpawu zokuthengisa, zinikeza abadali imali engenayo ephuma ezivumelwaneni zamalayisense noma ukuthengiswa kwezinto abazidalileyo. Amalungelo empahla yobuhlakani anikeza amalungelo akhethekile okusebenzisa, ukukhiqiza kabusha, noma ukusabalalisa imisebenzi yasekuqaleni, okuvumela abadali ukuthi bathole izinzuzo noma nini lapho impahla yabo yengqondo isetshenziswa noma idayiswa. Lokhu kusakazwa kwemali engenayo kuklomelisa ubuhlakani nokuqamba izinto ezintsha, okuhlinzeka ngezinzuzo zezezimali zesikhathi eside kubanikazi bezindawo zobuhlakani.
Sengiphetha, ukuzuza inkululeko yezezimali ngokusebenzisa imali engenayo kudinga ukuhlela amasu, ucwaningo olukhuthele, kanye nendlela eyahlukene yokutshalwa kwezimali. Imibono eyishumi yokungenzi lutho okuxoxwe ngayo kule ndatshana iveza amathuba akhona kubantu abafuna ukwakha ingcebo eqhubekayo nokunciphisa ukuncika emithonjeni yemali engenayo. Kungakhathaliseki ukuthi ngotshalomali lwezindlu ezithengiswayo, izitoko zezabelo, imikhiqizo yedijithali, noma amabhizinisi aku-inthanethi, isu ngalinye linikeza izinzuzo eziyingqayizivele namandla okukhiqiza ukuhamba kwemali okungaguquki ngokuhamba kwesikhathi.
Ngokusebenzisa le mibono yemali engenayo ngendlela ephumelelayo, abantu bangakha indlela eya ekuzimeleni ngokwezimali, okubavumele ukuba baphishekele izifiso zabo, bachithe isikhathi esiningi nabathandekayo, futhi bazuze ukuvikeleka ngokwezimali kwesikhathi eside. Njenganoma yiliphi isu lokutshala izimali, kubalulekile ukuhlola ukubekezelela ubungozi, ukufuna izeluleko zochwepheshe uma kunesidingo, futhi ngokuqhubekayo uqaphe futhi ulungise iphothifoliyo yakho ukuze ihambisane nezimo zemakethe ezishintshayo. Ngokuzinikela nangokuphikelela, imali engenayo ingasebenza njengethuluzi elinamandla lokwakha ingcebo kanye nokufeza imigomo yezezimali emnothweni wesimanje.
