Iyiphi indlela engcono kakhulu yokutshala imali yami?
Ayikho indlela eyodwa engcono yokutshala imali yakho, kusekelwe ezintweni eziningi ezinquma ukuthi kufanele uhlukanise kanjani izinhlobo ezahlukene zempahla. Nazi ezinye zezici ezithonya ukwabiwa kwemali oyitshalile.  - Isikhathi: Lesi yisikhathi ohlose ukutshala ngaso imali yakho. Lokhu kubalulekile njengoba izinhlobo ezahlukene zempahla zithinteka kakhulu noma kancane ngezimo zemakethe zesikhathi esifushane. Ngokuya ngokuthi ufuna ukuvezwa isikhathi esingakanani emakethe, ukukhetha uhlobo lwempahla oluhambisana nesikhathi sakho kubalulekile kakhulu kucebo lakho lokutshala imali.  - Iphrofayili Yobungozi: Ibonisa ukuthi uzizwa ukhululekile kangakanani ngomthelela izimo ezishintshashintshayo zemakethe ezinawo ekutshalweni kwakho. Izimpahla ezinobungozi obukhulu zinikeza inzuzo enkulu kodwa futhi zinethuba elikhulu lokwehla noma ukulahlekelwa utshalomali lwakho ngokuphelele. Ukuqonda iphrofayili yakho yobungozi kuyisinyathelo sokuqala sokutshala imali yakho kahle. Kunezimpahla ezahlukene zokutshala izimali ezihambisana namazinga ahlukahlukene obugebengu, inhlanganisela yalezi izonikeza indlela elinganiselayo yokutshala imali yakho.  - Umtshali-zimali Osebenzayo/Ongasebenzi: Kuye ngokuthi ufuna ukuhileleka kangakanani ekukhetheni nasekuhlukaniseni izimpahla, uzobhekwa njengomtshali-zimali osebenzayo noma umtshali-zimali ongasebenzi. Abatshalizimali abakhuthele bangabatshalizimali abachitha isikhathi esiningi behlaziya imakethe futhi bekhetha izimpahla zephothifoliyo yabo. Laba batshali zimali bangatshala imali ngqo kumasheya noma izinketho zamasheya. Abatshalizimali abangenzi lutho bangabatshalizimali abafuna ukuvezwa emakethe kodwa abangafuni ukuchitha isikhathi esiningi bekhetha izimpahla zabo, laba batshali zimali basebenzisa ama-ETF noma izimali ezihlanganyelwe, ezihlanganisa izigaba ezahlukahlukene zezimpahla kwimpahla eyodwa, ukuze bavezwe emakethe yabo oyifunayo ngaphandle kwesidingo sokukhetha izimpahla zabo ezingaphansi.  Ayikho indlela elungile noma engalungile yokutshala imali yakho, kubalulekile ukuqonda ukuthi uluhlobo luni lomtshali-zimali futhi ukhethe ukuthi yini okusebenzela kangcono.