Imfundo ngotyalo-mali sisixhobo esinamandla esixhobisa abantu ukuba benze izigqibo ezizizo ngezimali. Ngokubonelela ngolwazi malunga neendlela ezahlukeneyo zotyalo-mali, umngcipheko, kunye nezicwangciso, imfundo yotyalo-mali inceda abantu ukuba bajonge kwihlabathi elintsonkothileyo lezemali ngokuzithemba. Eli nqaku liphonononga impembelelo yemfundo yotyalo-mali kwimali yomntu kunye neenzuzo ezibanzi ezinikezelayo. Eli lithuba ongenakuze ukwazi ukuliphosa! Le yile ifemu yemfundo yasimahla apho unokubhalisa kwaye uqhagamshelwe kumaziko emfundo aphezulu. Khawuleza, funda ngakumbi ngoku!
Imfundo yoTyalo-mali inokubanceda njani abantu ukuba benze iziGqibo zezeMali ezinolwazi?
Imfundo ngotyalo-mali idlala indima ebalulekileyo ekuxhobiseni abantu ngolwazi nezakhono ezifunekayo ukuze benze izigqibo zemali benolwazi. Ngokufundisa abantu ngeendlela ezahlukeneyo zotyalo-mali, imingcipheko, kunye nezicwangciso eziliqili, imfundo yotyalo-mali iyabaxhobisa ukuba bajonge kwihlabathi elintsonkothileyo lezemali ngokuzithemba nangokucacileyo.
Enye yeendlela ezingundoqo imfundo yotyalo-mali inceda abantu ukuba benze izigqibo zemali benolwazi kukubanika ukuqonda okunzulu ngezithuthi zotyalo-mali ezahlukeneyo ezikhoyo kubo. Oku kubandakanya isitokhwe, iibhondi, iingxowa-mali ezihlangeneyo, izindlu nomhlaba, kunye nezinye ii-asethi. Ngokufunda ngolu khetho, abantu ngabanye banokuhlola ukunyamezela kwabo umngcipheko, iinjongo zotyalo-mali, kunye ne-horizons yexesha ngokufanelekileyo, okubavumela ukuba benze ukhetho lotyalo-mali oluhambelana neenjongo zabo zemali.
Ngaphaya koko, imfundo yotyalo-mali ifundisa abantu ukuba bawavavanye njani na amathuba otyalo-mali ngokubaluleka. Oku kubandakanya ukuhlalutya izinto ezifana nembuyekezo enokubakho kutyalo-mali, inqanaba lomngcipheko obandakanyekayo, kunye nokusilela kotyalo-mali. Ngokufunda indlela yokuvavanya ezi zinto, abantu ngabanye banokwenza izigqibo ezinolwazi ngakumbi malunga nokuba baya kwabela phi iimali zabo, bekhulisa amathuba abo okuphumeza iinjongo zabo zemali.
Omnye umba obalulekileyo wemfundo yotyalo-mali kulawulo lomngcipheko. Ngokufundisa abantu malunga neendidi ezahlukeneyo zomngcipheko wotyalo-mali, njengomngcipheko wemarike, umngcipheko wokunyuka kwamaxabiso, kunye nomngcipheko wokuhlawula amatyala, imfundo ngotyalo-mali inceda abantu ukuba baphuhlise amacebo okunciphisa le mingcipheko. Oku kunokubandakanya ukwahluka kwepotifoliyo yabo yotyalo-mali, ukumisela iinjongo zotyalo-mali olusengqiqweni, nokuhlala unolwazi malunga neentsingiselo zemarike.
Imfundo yoTyalo-mali ingaKhokelela njani kwiZakhono eziNgcono zoLawulo lweMali?
Imfundo yotyalo-mali ayincedi kuphela abantu ukuba benze izigqibo ezingcono zotyalo-mali kodwa ikwaphucula izakhono zabo zokulawula imali. Ngokufunda malunga neengqikelelo ezifana nohlahlo lwabiwo-mali, ukonga, kunye nolawulo lwamatyala, abantu ngabanye banokuphuhlisa indlela ebanzi yokulawula iimali zabo.
Enye indlela imfundo yotyalo-mali ephucula ngayo izakhono zokulawula imali kukufundisa abantu indlela yokuyila nokunamathela kuqingqo-mali. Ngokuqonda umvuzo wabo, iindleko, nosukelo lwemali, abantu ngabanye banokuzenzela uqingqo-mali olubavumela ukuba baphile ngokwemali yabo ngoxa begcinela ikamva. Oku kunokunceda abantu baphephe ukuchitha kakhulu kwaye baqokelele ukonga ngokuhamba kwexesha.
Ngaphaya koko, imfundo yotyalo-mali ifundisa abantu ngokubaluleka kokonga nokutyala imali ukwenzela ikamva. Ngokufunda ngamandla okudibanisa, abantu ngabanye banokubona indlela encinci, igalelo eliqhelekileyo kwiiakhawunti zabo zokulondoloza kunye notyalo-mali ezinokukhula kakhulu ngokuhamba kwexesha. Oku kunokukhuthaza abantu ukuba babeke phambili ugcino notyalo-mali, nto leyo ekhokelela kwiziphumo ezingcono zezimali zexesha elide.
Ukongeza, imfundo yotyalo-mali inokunceda abantu ngabanye balawule amatyala ngokufanelekileyo. Ngokuqonda iindidi ezahlukeneyo zamatyala, anje ngetyala lekhadi letyala, imali mboleko yabafundi, kunye neemali mboleko, abantu banokuphuhlisa amaqhinga okuhlawula amatyala abo ngokufanelekileyo ngelixa bephepha iintlawulo ezinenzala ephezulu. Oku kunokukhulula ngaphezulu kwengeniso yabo yokugcina kunye nokutyala, ukuphucula impilo yabo yezemali iyonke.
Imfundo yoTyalo-mali ibe nempembelelo entle njani kwiiMeko zezeMali zoMntu ngamnye?
Imfundo ngotyalo-mali ibe nempembelelo enkulu kwiimeko zezimali zomntu ngamnye, ibaxhobisa ukuba bafezekise iinjongo zabo zemali kunye nokwakha ubutyebi ngokuhamba kwexesha. Omnye umzekelo wale nto yimeko kaJohn, owathi, emva kokufumana imfundo yotyalo-mali, wagqiba ekubeni aqalise ukutshala imali kwi-stock market. Ngokuphanda ngokucokisekileyo nokukhetha isitokhwe ngasinye, uJohn wakwazi ukuzuza imbuyekezo ebalulekileyo kutyalo-mali lwakhe, okwamvumela ukuba athathe umhlala-phantsi ngokukhululekileyo.
Omnye umzekelo yimeko kaSarah, owayeye kwisemina engotyalo-mali lwezindlu nomhlaba. Ekhuthazwa koko wakufundayo, uSarah wagqiba kwelokuba athenge indawo yakhe yokuqala yokurenta. Ngokulawula ngononophelo kunye nokugcinwa kwepropathi esemgangathweni, uSarah wakwazi ukuvelisa ingeniso yokurenta, okomeleza kakhulu imeko yakhe yezemali.
Ngaphaya koko, imfundo yotyalo-mali iye yanceda abantu abafana noMike, owathi, emva kokufunda ngeenzuzo zokuhlukahlukana, wagqiba ekubeni alungelelanise ipotifoliyo yakhe yotyalo-mali. Ngokusasaza utyalo-mali lwakhe kwiiklasi ezahlukeneyo ze-asethi, uMike wakwazi ukunciphisa umngcipheko wotyalo-mali xa egcina umyinge osempilweni wembuyekezo.
isiphelo
Ukuqukumbela, imfundo yotyalo-mali ibalulekile kubantu abafuna ukufikelela kwimpumelelo yezemali. Ngokubaxhobisa ngolwazi nezakhono ezifunekayo ukwenza izigqibo ezizizo, imfundo ngotyalo-mali inokukhokelela kulawulo olungcono lwemali, kuphuculo lweziphumo zemali, yaye ekugqibeleni, ukuzimela ngokwemali. Ukutyala imali kwimfundo namhlanje kunokuvula indlela yekamva elinqabisekileyo nelinempumelelo.