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Utyalo-mali luhlala lubonwa njengenkqubo ecothayo yokufunda, kodwa esi sikhokelo sijolise ekupheliseni loo mbono. Ngokuphonononga ijiko lokufunda kutyalo-mali, ukugxeka iintsomi eziqhelekileyo, kunye nokubonelela ngezicwangciso zokufunda ngokukhawuleza, eli nqaku linika umbono obanzi wabaqalayo kunye nabatyali-zimali abanamava ngokufanayo. Ukutyhila isantya sokufunda kutyalo-mali nootitshala abanamava Ngokukhawuleza Bitwave, ekhokelela kwinkqubo.

Imiqobo yokuFunda yokuQala

Utyalo-mali, nangona luthembisa, lunokubonakala njengomsebenzi onzima kwabaqalayo. Imiqobo yokuqala ihlala ijikeleza ekuqondeni imiba esisiseko kunye nesigama. Imigaqo efana nezitokhwe, iibhondi, iingxowa-mali ezihlangeneyo, kunye nee-ETF zinokuvakala ziqhelekile, kodwa ukubamba ukuntsonkotha kwazo kubalulekile. Esi sigaba sinokugqithisa, njengoko kubandakanya ukuziqhelanisa neziseko zemarike yezemali, kubandakanywa nendlela esebenza ngayo kunye neenqwelo-mali ezahlukeneyo ezikhoyo.

Ngaphezu koko, ukucacisa iingxelo zemali kunye nokuqonda indlela yokuzihlalutya kunokuba ngumngeni. Oku kufuna ukufunda malunga neemetrics eziphambili zemali, ezifana nemivuzo ngesabelo ngasinye (EPS), umlinganiselo wexabiso ukuya kwimivuzo (P/E), kunye nembuyekezo kwi-equity (ROE). Ukongeza, ukuqonda iindlela ezahlukeneyo zotyalo-mali, ezinjengotyalo-mali lwexabiso, utyalo-mali lokukhula, notyalo-mali lwezahlulo, yongeza ubunzima.

Ngaphaya koko, inkalo yengqondo yotyalo-mali, kubandakanywa ukunyamezela umngcipheko kunye nokuthath' icala ngokweemvakalelo, idlala indima ebalulekileyo kwisigaba sokuqala sokufunda. Ukoyisa uloyiko lokulahlekelwa yimali kunye nokulawula iimvakalelo ezinjengokunyoluka kunye nokuphakuzela kubalulekile kutyalo-mali oluyimpumelelo.

Amacebo okuFunda ngokukhawuleza

Ukufunda ukutyala imali ngokufanelekileyo nangempumelelo kubalulekile ekwandiseni imbuyekezo kunye nokunciphisa umngcipheko. Ukukhawulezisa inkqubo yokufunda, abaqalayo banokusebenzisa iindlela ezininzi. Okokuqala, ukusebenzisa izixhobo ezikwi-intanethi, ezinje ngeewebhusayithi zemfundo, iiforam, kunye neeblogi, kunokubonelela ngobutyebi bolwazi. La maqonga ahlala ebonelela ngezifundo zasimahla, amanqaku, kunye nezifundo kwiinkalo ezahlukeneyo zotyalo-mali.

Okwesibini, ukusebenzisa amaqonga eendaba ezentlalo afana ne-Twitter, LinkedIn, kunye neYouTube kunokuba luncedo. Ukulandela abatyali-zimali abahlonelwayo neengcaphephe zemali, ukuba nenxaxheba kwiingxoxo, nokubukela iividiyo ezifundisayo kunokwandisa ukuqonda kukabani ukutyala imali.

Okwesithathu, ukubhalisa kwiikhosi ze-intanethi okanye ukuya kwiiwebinars eziqhutywa ngamaziko emali kunye neengcali kunokubonelela ngokufunda okucwangcisiweyo. Ezi khosi zigubungela uluhlu olubanzi lwezihloko, ukusuka kwimigaqo yotyalo-mali esisiseko ukuya kubuchule obuphambili, ukulungiselela iindlela ezahlukeneyo zokufunda kunye nezinto ezikhethwayo.

Ngaphezu koko, ukufunda iincwadi ezibhalwe ngabatyalo-mali abaphumeleleyo kunye neengcali zezemali kunokubonelela ngolwazi oluxabisekileyo kunye nemibono. Iincwadi ezinje ngo “The Intelligent Investor” nguBenjamin Graham kunye ne “A Random Walk Down Wall Street” nguBurton Malkiel zijongwa njengeeklasiki kwicandelo lotyalo-mali.

Ukongeza, ukuziqhelanisa nokurhweba okubonakalayo ngokusebenzisa ii-simulators ze-stock market kunokunceda abaqalayo ukuba basebenzise ulwazi lwethiyori kwindawo ebonakalayo ngaphandle kokubeka imali yokwenene emngciphekweni. La mava asebenza ngezandla anokuphucula ukufunda kwaye akhe ukuzithemba.

Iingcamango ezingezizo eziQhelekileyo malunga nokuFunda ukutyala imali

Ukufunda ukutyala imali kudla ngokugqunywa ziingcamango eziphosakeleyo ezinokuthintela inkqubela kabani. Enye ingcamango ephosakeleyo eqhelekileyo kukuba utyalo-mali lugcinelwe izityebi. Ngokwenyani, nabani na unokuqalisa ukutyala imali encinci njengeedola ezimbalwa, enkosi kumaqonga afana nabacebisi be-robo kunye nezabelo zamaqhezu.

Enye imbono ephosakeleyo yeyokuba utyalo-mali lufana nokungcakaza. Nangona utyalo-mali lubandakanya umngcipheko, lusekelwe ekuthathweni kwezigqibo kunye nohlalutyo olunolwazi, ngokungafaniyo nokungcakaza, okuxhomekeke kwithuba. Ukuqonda umahluko phakathi kotyalo-mali kunye nokungcakaza kubalulekile ekuphuhliseni isicwangciso esilungileyo sotyalo-mali.

Ukongezelela, abaninzi bakholelwa ukuba utyalo-mali lufuna ukuqonda okunzulu kwiingcamango zemali ezinzima. Ngelixa inqanaba elithile lokufunda ngezezimali liluncedo, akukho mfuneko yokuba umntu abe yingcaphephe ukuze aqalise ukutyala imali. Zininzi izixhobo ezikhoyo zokunceda abaqalayo ukuba bafunde iziseko kwaye ngokuthe ngcembe bakhe ulwazi lwabo.

Ngaphaya koko, abanye abantu bacinga ukuba utyalo-mali lolwabantu abadala kuphela okanye abo basondele kumhlalaphantsi. Nangona kunjalo, xa umntu eqala ukutyala imali, kokukhona utyalo-mali lwabo kufuneka lukhule. Ixesha liyinto ebalulekileyo kutyalo-mali, njengoko livumela amandla okudibanisa ukuze asebenze umlingo walo.

isiphelo

Ukuqukumbela, utyalo-mali akufuneki lube yinkqubo ecothayo yokufunda. Ngendlela efanelekileyo kunye nezixhobo, nabani na unokukhawulezisa ijika lokufunda kwaye abe ngumtyali-mali ophumeleleyo. Ngokuqonda imiqobo yokuqala, ukwamkela amacebo asebenzayo, kunye nokususa iimbono ezingezizo, ukuqonda ubugcisa botyalo-mali kunokuba luhambo olunomvuzo.