Indawo olwandle ayilokothi ibe yinombolo eyodwa.
Uma umshayeli womkhumbi ethola indawo yakhe eqondile — indawo yakhe eqondile emephini ngesikhathi esithile — inombolo eyodwa ayanele. Udinga amakhona amabili: i-latitude ne-longitude. Elilodwa kuphela alikhombisi lutho. Ndawonye, akhombisa indawo eqondile, futhi yilokho kuphela.
Kwezezimali zomuntu siqu kunjalo, ngomehluko owodwa: amakhona awakabili, ayine.
Uma ethathwa ngamunye ngamunye, ngamunye ulanda ingxenye. Uma ethathwa ndawonye, akutshela ukuthi ukuphi ngempela.
Futhi okuthakazelisayo ukuthi ukuwafunda akudingi amahora. Kudinga umzuzu owodwa.
Lesi sihloko siyisibonelo esibanzi. Amakhona amane abukwa njengesistimu eyodwa, hhayi njengezinombolo ezine ezingaxhumene ku-dashboard. Kwelinye nelinye, lapho ofuna ukujula khona, kunesihloko esizinikele esiwuthathayo bese sivula ngokuphelele.
Kungani amane, hhayi eyodwa
Kunesilingo sokwehlisa impilo yezezimali kube yinombolo eyodwa.
Ngokuvamile leyo nombolo iba iyibhalansi ye-akhawunti. “Nginengaka ebhange, ngakho ngiyaphila.” Noma umholo. “Ngiholela ingaka ngenyanga, ngakho kulungile.”
Inkinga ukuthi yonke inombolo eyodwa, ngokwayo, iqamba amanga ngokushiya okuthile.
Ibhalansi ye-akhawunti ikutshela ukuthi unemali engakanani esheshayo manje, kodwa hhayi ukuthi leyo “ningi” izokwazi yini ukuhlala izinyanga ezintathu ngaphandle kwemali engenayo, futhi hhayi ukuthi kusenzeka yini ukuthi unqwabelanise izikweletu kwenye indawo. Umholo ukutshela ukuthi kungena ngingakanani, kodwa hhayi ukuthi kusala ngingakanani.
Kudingeka amakhona amane ngoba impilo yezezimali inezingxenye ezine ezingafani:
ukuphi (indawo), uya ngakuphi (indlela), uvikelekile kangakanani (i-margin), futhi uzazi kangakanani (ukucaca).
Inombolo eyodwa imboza eyodwa kuzo. Ezine zizimboza zonke.
Ake sizibuke ngendlela engizifunda ngayo, kanye ngesonto.
Ikhona 1 — Inani elingasele: ukuphi
Ikhona lokuqala yinani elingasele: konke onakho, ususe konke okukweletayo.
Akuyona ibhalansi ye-akhawunti. Akuwona umholo. Akukona okusetshenzisiwe noma okongiwe ngenyanga edlule.
Kuwukususa: impahla epozithivi (ama-akhawunti, ukutshalwa kwezimali, izindawo ezingunaphakade ngenani lemakethe, izinto eziqinile ngenani lazo eliselele) ususe izikweletu (ibhalansi eyiselele yebhondi, imalimboleko, imithamo esekhona okusafanele ikhokhwe).
Ku-Cashfulness le nombolo awuyibali ngesandla. Iyazivuselela ngokwayo ngemva kwaso sonke isenzo osilobayo, ngoba ngaphansi kunokubhalwa kabili kwamabhuku: sonke isenzo sinezinhlangothi ezimbili ezilinganayo, futhi umphumela olingasele ubonakala ngokushesha empahleni. Ekhaya, uyithola njengenombolo eyodwa — “isithombe sengcebo yakho: ama-akhawunti, impahla, izikweletu”.
Leli yikhona eliyisisekelo. Ukuphi.
Amanye amathathu, ngenye indlela noma enye, ayakuphawula: elilodwa likutshela ukuthi uya ngakuphi, elilodwa ukuthi uvikelekile kangakanani ngenkathi ulinyakazisa, elilodwa ukuthi ulazi kangakanani ngempela.
Uma ufuna lokhu kuphela, futhi ufisa ukuqonda ukuthi kungani kuyinombolo egqugquzelwa kancane kunazo zonke kwezezimali zomuntu siqu, kukhona isihloko esikhuluma ngayo kuphela.
Ikhona 2 — Ukuxutshaniswa phakathi kokukhiqizayo nokubizayo: uya ngakuphi
Inani elingasele likutshela ukuthi ukuphi. Kodwa abantu ababili bangase babe endaweni efanayo bese behamba ngezindlela eziphambene.
Ikhona lesibili iriyo phakathi kwe-Asset+ ne-Asset−: ukuxutshaniswa phakathi kwempahla ekukhiqizela okuthile nalena ekucela okuthile.
I-Asset+ yilokho onakho futhi, ngenkathi ukuphethe, kukubuyisela okuthile: indawo eqashisiwe, amasheya akhokha ama-dividend, isikhwama esikhulayo, amabhondi, isabelo ebhizinisini. Cishe awenzi lutho, kanti okuthile kubuyela kuwe.
I-Asset− yilokho onakho futhi kucela imali kuwe ngenkathi ukugcina: imoto, indlu ohlala kuyo, ikhaya lesibili olisebenzisayo wena. Zinenani — kodwa ngesikhathi esifanayo, wena usebenzela zona.
Ake sithathe isibonelo.
UnLuca noGiulia banenani elingasele elifanayo: ama-euro angu-150 000.
ULuca unalo u-70% kwi-Asset+: ingxenye yengcebo yakhe iyamsebenzela, iyakha. UGiulia unalo ngokuphambene, u-80% kwi-Asset−: indawo efanayo emephini, kodwa uyaqeda kancane kancane, nakuba manje engakuzwa.
Indawo efanayo, izindlela eziphambene. Yilokhu okubanjwa yikhona lesibili nokungabonwa yileli lokuqala, lodwa.
Ku-Cashfulness uhlela yonke impahla njenge-Asset+ noma i-Asset− lapho uyakha. Ekhaya kubuye kuboniswe lo mehluko — “i-Asset+ ne-Asset−: umehluko oshintsha konke” — kanye ne-dashlet enezinkomba ezithile ezihlobene nokuzimela, ebonisa nokushintsha esikhathini.
Leli yikhona lendlela yesikhathi eside. Linesihloko salo esizinikele, ngoba lingumgqigqo wesu wakho konke: i-Asset+ ne-Asset−.
Ikhona 3 — Izinyanga zokumboza: uvikelekile kangakanani
Amakhona amabili okuqala abheka engcebo. Elesithathu lishintsha umbuzo.
Alibuzi ubiza malini noma uya ngakuphi. Liyabuza: uma kusasa imali engenayo iyama, izinyanga ezingaki ongakhokhela ngazo impilo yakho ngemali osheshayo onayo namuhla?
Yilezi izinyanga zokumboza, futhi zibalwa kanje:
Imali esheshayo namuhla ÷ izindleko eziqinile zangenyanga = izinyanga zokuzimela.
Isheshayo kusho okuthile okuqondile: imali ongayisebenzisa ngaphakathi kwamahora angu-24 ngaphandle kokuthengisa okunye. I-akhawunti, isikhwama sokongiwa esikhululekile, imali eqondile. Hhayi i-ETF yamasheya, hhayi izindawo ezingunaphakade, hhayi imoto: lezo zinenani, kodwa uma kunesimo esiphuthumayo ubhekene nengozi yokuthi uzithengisele ngesikhathi esingafanele, ngenani eliphansi.
Ake sithathe isibonelo. UMarco unamayero angu-12 000 asheshayo ku-akhawunti nezindleko eziqinile — irenti, ama-bill, izindleko eziphansi kakhulu, umshuwalensi — angu-2 000 ngenyanga. Izinyanga zokumboza kwakhe ziyi-12 000 ÷ 2 000 = izinyanga eziyisithupha: isikhathi angadlula kuso ngaphandle kwesenti eyodwa yemali engenayo entsha, ngaphandle kokuthengisa lutho, elele ngokuthula.
Leli yikhona, ngaphezu kwamanye, elilinganisa okuthile okuqondile: i-margin. Isikhathi sokusabela phambi kwento engalindelekile.
Futhi lapha umgqa wethu wehlukile kunalowo ovame ukuwuzwa: izinyanga ezintathu njengesisekelo kubantu abanemali engenayo eqinile, eziyisithupha kwabanemali engenayo eguqukayo, futhi ngaphezu kwezintandathu — cishe njalo — kuningi kakhulu, ngoba leyo mali engasetshenziswa inendleko yayo. Ku-Cashfulness izinyanga zokumboza zibalwa ngokuzenzakalelayo ngaphakathi kwendawo eqondile yomkhumbi.
Yonke incazelo — okubalwa njengesheshayo, kungani izinyanga ezintathu ngokuqondile, okumele ukwenze uma ungaphansi — ikhona esihlokweni esizinikele kuyo kuphela.
Ikhona 4 — Umkhawulo phakathi kokubonakalayo nokuyiqiniso: uzazi kangakanani
Amakhona amathathu okuqala i-app iyawalinganisela wena. Elesine cha — futhi ayikwazi: liphathelene nawe, hhayi imali yakho.
Yimkhawulo phakathi kwengcebo ebonakalayo nengcebo yeqiniso: umkhawulo phakathi kokuthi ucabanga ukuthi unani kanye nokuthi unani ngempela.
Isebenza njengesibuko. Ngaphambi kokuhlela izinombolo, zama ukuzitshela ngengqondo ukuthi ucabanga ukuthi unani: ingaki ebhange, ingaki etshaliwe, izikweletu ezingaki, iyiphi inani elingasele. Bese ubheka inombolo yeqiniso.
Umehluko cishe njalo uyamangalisa. Kukhona abathola ukuthi banencane kunalokho ababekukholelwa — ngoba babebala kabili indlu esakhokhelwa ibhondi, noma bekhohlwa isikweletu esithile. Futhi kukhona abathola, ngokuthula okuthile, ukuthi bangcono kunalokho ababekwesaba.
Lowo mkhawulo unegama elisebenzisekayo: yinkungu yengqondo. Futhi yiyo eyimshini weqiniso wokukhathazeka kwezezimali, ngaphezu kakhulu kwenombolo ngokwayo.
Ngoba inombolo encane, kodwa ecacile, ikushiya uzolile. Inombolo enkulu, kodwa efiphele, iyakukhathaza.
Leli khona, ngokungafani namanye amathathu, i-app ayikubalisi: ayikwazi ukwazi ukuthi yini ekhanda lakho. Uyalinikeza wena, futhi kulula. Isikhathi sokuqala kwenzeka cishe ngokwako, ngebhalansi yempahla: ubona inani lakho elingasele leqiniso eceleni kwalelo obuli cabanga, futhi umkhawulo uphuma ngokushesha. Kusukela lapho kuya phambili kuwukuhlola okwenzayo noma nini uma ufuna — zama ukuzitshela inombolo ngaphambi kokuvula i-app, bese uyibheka: uma ziya zifanana, nawe uyabalibra kangcono.
Amane ndawonye: isistimu, hhayi amabhokisi amane
Manje iphuzu langempela, isizathu esenza ngabhala lesi sihloko.
La makhona amane awasona amabhokisi amane azimele. Kuyisistimu. Ayakhulumisana.
Inani elingasele likutshela ukuphi.
Ukuxutshaniswa kwe-Asset+/Asset− kukutshela uya ngakuphi.
Izinyanga zokumboza zikutshela uvikelekile kangakanani ngenkathi unyakaza.
Umkhawulo phakathi kokubonakalayo nokuyiqiniso ukutshela ukwazi kangakanani ngempela konke lokhu, futhi ukucabanga kangakanani nje.
Susa noma yikuphi kwalokho okune, indawo iphinde ibe engacacile.
Ungaba nenani elingasele elihle kodwa lonke likwi-Asset−: ingcebo ebonakala iqinile ngenkathi ikukhipha ngaphakathi. Ungaba nendlela egqamile kodwa i-coverage ingu-0: into engalindelekile yokuqala ikuphoqa ukuba uthengise izinto ezazikusebenzela. Ungaba nazo zonke ezinye izinombolo ezintathu zilungile kodwa ungakwazi: bese uphila ngokukhathazeka komuntu ophila kahle ngaphandle kokukubona.
Yingakho kufanele zifundwe ndawonye. Ngayinye ilungisa isibonakaliso ezinye ezingase zikunikeze, uma zizodwa.
Isibonelo esibamba wonke amane.
U-Anna ubheka indawo yakhe eqondile yomkhumbi. Inani elingasele: ama-euro angu-180 000, indawo enhle. Ukuxutshaniswa: u-35% kwi-Asset+, u-65% kwi-Asset−, ukhipha ngaphandle kunokwakha. Izinyanga zokumboza: izinyanga eziyi-10, kuningi, mhlawumbe kusheshayo kakhulu. Umkhawulo: cishe ku-0, izinombolo zakhe zeqiniso ziyafana nalezo ayezicabanga.
Izinombolo ezine, ukufundwa okukodwa: U-Anna uphila kahle namuhla futhi uzazi kahle, kodwa unemali eningi engasetshenziswa nendlela engakhi.
Alikho kwalokho okune, lodwa, ebeliyokutshela lokhu. Ndawonye, bamtshele ngomzuzu owodwa.
Bese uphawula ukuthi yini engenzekanga: akekho owatshela u-Anna ukuthi enzeni. Amakhona awanqumi. Awamtsheli ukuthi ashintshe imali esheshayo, noma lapho. Amnika indawo — ukukhetha kusala kokwakhe, futhi ukwenza ngamaqiniso phambi kwakhe kunokuzizwela.
Imizuzwana engamashumi ayisithupha, kanye ngesonto
Okuhle ngesistimu enamakhona amane ukuthi, uma isivele ikhona, ukuyifunda kuba masinyane.
Kanye ngesonto — usuku lubalulekile kancane kunokuqhubeka njalo — vula i-Cashfulness ubheke wonke amane ngokulandelana.
Ngikuphi? Ngiya ngakuphi? Ngivikelekile kangakanani? Futhi ngiyakwazi ngempela, noma ngiyazitshela nje?
Imibuzo emine, izinombolo ezine ezesezilungele. Imizuzwana engamashumi ayisithupha.
Cishe njalo impendulo evamile iyafana: indlela iyaqhubeka, akudingeki ngenze lutho.
Ngesinye isikhathi elilodwa kwalokho okune linyakaza ngokungalindelekile — izinyanga zokumboza ezingaphansi komkhawulo wakho, ukuxutshaniswa okushibilikela e-Asset−, umkhawulo owawungekho ngaphambili. Bese lapho wenza ushintsho oluncane, hhayi udrama.
Ngumehluko phakathi kokuba nokukhathazeka okusemuva nokuba nedatha esemuva. Okokuqala kukukhulule sonke isonto futhi akukaze kukutshele lutho oluqondile. Okwesibili ukubheka umzuzu owodwa, futhi ngesikhathi esisele ungakushiya kuthule.
Amakhona amane awasona umsebenzi owengeziwe kunelilodwa. Ukufunda okufanayo, okwenziwe kanye, kodwa okuyeka ukukuqamba amanga ngokushiya okuthile.
Imali iyithuluzi lokuthenga isikhathi nenkululeko. Isistimu yamakhona oyifunda ngomzuzu ikubuyisela into eyingqayizivele kunazo zonke: ukuthula kokwazi ukuthi ukuphi, ngaphandle kokudinga ukucabanga ngakho isonto lonke elisele.
— Vittorio