Indlela Yokukhetha Umthengisi Wesitokwe: Umhlahlandlela Wabatshalizimali Abaqalayo Nabanolwazi
Ukutshala imali emakethe yamasheya kungaba yindlela ephumelelayo yokwakha ingcebo nokufeza imigomo yezezimali yesikhathi eside. Kodwa-ke, ngaphambi kokuthi uqale ukuthenga amasheya, esinye sezinqumo ezibaluleke kakhulu okuzodingeka uzenze ukukhetha umthengisi wamasheya ofanele. Njengoba kunezinketho eziningi kangaka ezitholakalayo, le nqubo ingabonakala inzima, ikakhulukazi kwabaqalayo. Kulesi sihloko, sizoxoxa ngezinto ezibalulekile okufanele uzicabangele lapho ukhetha umthengisi wamasheya, ukuze ukwazi ukwenza isinqumo esifanele sezidingo zakho zezezimali.
Iyini Inkampani Yokuhweba Ngamasheya?
Izinkampani zokuthengisa amasheya ziyizikhungo ezilawulwayo nezinelayisensi ezisebenza njengabalamuli phakathi kwabathengi nabathengisi bamasheya emakethe yamasheya. Zihlinzeka ngeplatifomu yokuthengiselana, kanye nezinsizakalo ezengeziwe njengocwaningo lwemakethe, ukuhlaziywa, kanye nokubonisana ngokutshalwa kwezimali. Abathengisi bamasheya bangaba izinkampani ezinkulu ezinesisekelo samakhasimende omhlaba wonke noma izinsizakalo ezincane eziku-inthanethi ezingase zithengeke kalula kubatshalizimali abathengisayo.
1. Hlola Idumela Nokuthembeka
Okokuqala nokubaluleke kakhulu, qiniseka ukuthi inkampani yokuhweba oyikhethayo inedumela elihle futhi ithenjwa amakhasimende ayo. Funa ukubuyekezwa kanye nobufakazi obuvela kwabanye abasebenzisi ukuze unikeze umbono jikelele wokuhlangenwe nakho kwabo. Imithombo ethembekile njengezinkundla zezimali, amasayithi ezindaba zezimali, noma izilinganiso ezivela ezinkampanini zocwaningo lwemakethe ingaba yizinkomba ezinhle.
Ngaphezu kokubuyekezwa, qiniseka ukuthi umthengisi wakho ulawulwa yigunya lezezimali eliqashelwayo ezweni lakini. E-Indonesia, abathengisi bamasheya bavame ukulawulwa yi-Financial Services Authority (OJK) kanye ne-Indonesia Stock Exchange (IDX). Ukuthembeka nokuthembeka komthengisi kungavame ukunqunywa yimithetho elawula ukusebenza kwakhe.
2. Imali Nezinkokhelo Ezikhokhiswayo
Imali ekhokhwayo kanye nekhomishini yizici ezibalulekile ezizothinta inzuzo yokutshalwa kwezimali kwesitoko sakho. Qiniseka ukuthi uyasiqonda isakhiwo semali yenkampani yomthengisi. Imali ekhokhwayo evamile ifaka phakathi imali yokuthengiselana, imali yokuphatha, imali yokuhoxisa, kanye nezinye izindleko.
Abanye abadayisi banikeza amakhomishini aphansi noma angenalutho, kanti abanye bakhokhisa imali ephezulu ngezinsizakalo ezahlukene ezengeziwe. Qiniseka ukuthi uqhathanisa abadayisi abaningana ukuze unqume ukuthi iyiphi enikeza inani elifanele imali yakho. Ungalingeki yizimali eziphansi zodwa; qiniseka ukuthi izinsizakalo abazinikezayo ziyahlangabezana nezidingo zakho zokutshalwa kwezimali.
3. Ipulatifomu kanye nobuchwepheshe
Umthengisi wamasheya omkhethayo kufanele abe neplatifomu yokuhweba elula ukuyisebenzisa, kungakhathaliseki ukuthi ungumqali noma ungumtshalizimali onolwazi. Qinisekisa ukuthi iplatifomu inikeza izici ozidingayo, njengamashadi entengo, amathuluzi okuhlaziya obuchwepheshe nayisisekelo, kanye nezindaba zemakethe kanye nocwaningo.
Ngaphezu kwalokho, qiniseka ukuthi ipulatifomu iyafinyeleleka kumadivayisi amaningi, njengamakhompyutha, amathebhulethi, nama-smartphone, ukuze ukwazi ukwenza imisebenzi nganoma yisiphi isikhathi noma kuphi. Lokhu kusebenza kubalulekile ekuqapheni ukutshalwa kwezimali kwakho ngesikhathi sangempela kanye nokuthatha isinyathelo esisheshayo uma kudingeka.
4. Layanan Pelanggan
Insizakalo enhle yamakhasimende iyisici esibalulekile esivame ukunganakwa. Izimo zemakethe zingashintsha ngokushesha, futhi ungadinga usizo olusheshayo oluvela kumthengisi wakho. Hlola ikhwalithi yensizakalo yamakhasimende enikezwa ngumthengisi wakho wamasheya, okuhlanganisa ukutholakala kwawo kanye nezindlela ezahlukahlukene zokuxhumana nawo (ucingo, i-imeyili, ingxoxo ebukhoma).
Thola ukuthi isikhathi sabo sokuphendula singakanani nokuthi banawo yini umnyango wokusekela ubuchwepheshe oqonda izidingo ezithile zabatshalizimali. Insizakalo enhle yamakhasimende ingakunikeza ukuthula kwengqondo futhi iqinisekise ukuthi ukuthengiselana kwakho kuhamba kahle.
5. Uhlobo lwe-Akhawunti kanye neDiphozithi Encane
Izinkampani zabathengisi bamasheya zivame ukunikeza izinhlobo ezahlukene zama-akhawunti ukuze zivumelane nezidingo ezahlukene zabatshalizimali. Ezinye izinhlobo zama-akhawunti zinikeza izinzuzo zentela, kanti ezinye zingase zibe nezidingo zokufaka imali ezincane ezihlukene. Qiniseka ukuthi uyaziqonda lezi mininingwane ngaphambi kokuvula i-akhawunti.
Abanye abathengisi bangase babe nediphozithi ephansi kakhulu, okungaba nzima kakhulu kubatshalizimali abasaqalayo. Khetha umthengisi onikeza i-akhawunti enediphozithi ephansi ehambisana namakhono akho ezezimali.
6. Izinsizakusebenza Zemfundo Nokusekela
Izinsiza zemfundo zingenye yezindlela ezinhle kakhulu zokuthuthukisa ulwazi lwakho lokutshala imali namakhono. Abathengisi abaningi bamasheya banikeza izinto ezahlukahlukene zemfundo, kufaka phakathi ama-webinar, izihloko, izifundo zevidiyo, ngisho nezinhlelo zokuqeqesha.
Ukufinyelela kulezi zinsiza kungaba usizo kakhulu, ikakhulukazi uma usaqala uhambo lwakho lokutshala imali. Izinkampani ezinhle zokuthengisa zizotshala imali ekuhlinzekeni ngemfundo kumakhasimende azo, ziqaphela ukuthi amakhasimende anolwazi oluhle avame ukuba amakhasimende esikhathi eside.
7. Amathuluzi Okucwaninga Nokuhlaziya
Ucwaningo nokuhlaziya kuyizinto ezibalulekile ekwenzeni izinqumo zokutshalwa kwezimali ezinolwazi. Qinisekisa ukuthi inkampani yakho yokuhweba inikeza amathuluzi ocwaningo anele, njengemibiko yabahlaziyi, izilinganiso zesitoko, kanye namamodeli okubikezela aqhutshwa idatha.
Leli thuluzi lingasiza kakhulu ekuboneni amathuba okutshala imali aphelele kanye nokwenza ukuhlaziywa okujulile kwenani elingaphakathi lesitoko. Ipulatifomu enhle izokunikeza ukufinyelela okulula kulolu lwazi futhi ikusize wenze izinqumo ezinolwazi oluthe xaxa.
8. Ukuphepha Kwezimali Nedatha
Ukuphepha kungenye yezinto ezibaluleke kakhulu okungafanele zinganakwa. Qinisekisa ukuthi umthengisi wezabelo unesistimu yokuphepha eqinile yokuvikela izimali zakho kanye nedatha yakho yomuntu siqu. Hlola ukuthi bayayisebenzisa yini i-SSL encryption, ukuqinisekiswa kwezinto ezimbili, kanye nezinye izindlela zokugcina ukuthengiselana kwakho nolwazi lwakho kuphephile.
9. Ukuhlolwa Kokuhambisana
Ngaphambi kokwenza isinqumo sokugcina, yenza ukuzihlola ukuze uthole ukuthi izidingo zakho ziyafana yini nezinsizakalo ezinikezwa yi-stockbroker. Abanye abathengisi bangase bafaneleke kangcono ekuhwebeni kwasemini, kanti abanye bangase bafaneleke kangcono ekutshalweni kwezimali kwesikhathi eside. Qiniseka ukuthi umthengisi wakho uyahlangabezana nesitayela sakho sokutshala imali kanye nemigomo yakho.
Isiphetho
Ukukhetha umthengisi wamasheya kuyisinyathelo esibalulekile esidinga ukunakwa ngokucophelela kanye nocwaningo olunzulu. Ngokucabangela idumela, izimali, amapulatifomu obuchwepheshe, isevisi yamakhasimende, izinhlobo zama-akhawunti, imfundo, ucwaningo, kanye nokuphepha, uzobe usesimweni esingcono sokukhetha umthengisi ofanelana kahle nezidingo zakho zokutshalwa kwezimali kanye nemigomo.
Ezweni lokutshala imali elinokuncintisana, ulwazi lubalulekile. Zinike isikhathi sokwenza ucwaningo lwakho futhi ungangabazi ukuxhumana nabathengisi abaningi ukuthola ulwazi oluningiliziwe. Isinqumo esifanele singenza umehluko omkhulu empumelelweni yakho yokutshala imali. Ukutshala imali okuhle!
