Ungathetha njani nabantwana bakho malunga nokutyala imali
Njengoko abantwana bakho beqala ukufunda ngakumbi ngemali, luluvo oluhle ukubafundisa ukutyala imali. Xa sele beqhelene nokutyalomali, ungabanika ulwazi lokwenza oko ngokwabo xa sele bebadala. Kakade ke, ngenxa yokuba abanye abantwana bakhula ngamazinga ahlukeneyo kunabanye, kungathatha ixesha ngaphambi kokuba ubafundise malunga neekhonsepthi eziphambili. Nangona kunjalo, akukabikho kwangethuba ukubanceda bafunde ngezinye zeenkalo ezilula.
Ukucacisa i-Stock Market
Uya kufuna ukuqala ngokuchaza izitokhwe kunye neebhondi. Izabelo zinembuyekezo eyahluka-hlukeneyo kwaye nemingcipheko inokwahluka. Sekunjalo, bakholisa ukuza kumngcipheko ophezulu kune-akhawunti yokonga eqhelekileyo, nangona imbuyekezo ihlala iphezulu ngokunjalo.
Ungaxelela abantwana bakho ukuba ixabiso linganyuka okanye lihle, kuxhomekeke kwindlela enenzuzo ngayo inkampani. Ikwangumbono olungileyo ukuchaza ukuba awunakusoloko uqikelela umngcipheko okanye ixabiso lolu tyalo-mali. Umzekelo, ii-CEO zenkampani zinokuxoka, okanye iirekhodi zinokuphazanyiswa. Unokufuna ukuthatha eli xesha ukucacisa i iiholide zokutshintshiselana ngesitokhwe njengokuba. I-NYSE, i-Nasdaq, kunye neemarike zebhondi zivaliwe ngokupheleleyo kwimini ngeeholide ezahlukeneyo, ezifana noSuku lweNkululeko, uMbulelo, kunye neKrisimesi.
Ukufundisa Abantwana malunga neeBonds
Iibhondi lutyalo-mali olunomngcipheko ophantsi, kodwa aziniki ngeniso ephezulu kakhulu. Iibhondi zihlala zixhaswa ngoorhulumente, iibhanki, okanye amanye amaziko azinzileyo. Ungazifumana ezo zibonelela ngembuyekezo eqinileyo, kodwa zisenokungasoloko zikunika umvuzo obuwulindele. Ekubeni zinokuba nzima ngakumbi, unokufuna ukunamathela ekuchazeni izitokhwe ngoku kwaye ulinde ukuthetha malunga nokubopha de kube badala.
Kubantwana abaDala: Izandla-EkuFundeni
Abantwana abadala banokufunda malunga nokutyalomali ngokufumana amava abo kwinkqubo. Bathenge izitokhwe, ngakumbi ukuba sele benazo ezinye zazo iimali zakho zigciniwe. Ngokuqinisekileyo, akuyiyo yonke loo nto kufuneka ingene kwimarike yemasheya - ezinye kufuneka zihlale kwi-akhawunti yokulondoloza. Ngaloo ndlela, umntwana wakho uya kuzibonela ngokwakhe iindidi zembuyekezo ezinikezelwa lutyalo-mali olwahlukeneyo.
Usenezinye iindlela onokukhetha kuzo ukuba umntwana wakho akanayo imali yaneleyo yokutyala imali. Umzekelo, unokusebenzisa ezinye zeemali zakho ukubavulela iakhawunti encinci. Sekunjalo, xhathisa umnqweno wokunikezela ngemali. Banike umbono ongcono wenkqubo yonke ngokubavumela ukuba bafumane imali kuwe kuqala. Banokukwenza oko ngokwenza imisebenzi eyongezelelekileyo yasekhaya okanye bade bancede abahlobo bakho.
Unokubavumela ukuba benze imodeli yepotfoliyo, apho umntwana wakho egcina umkhondo wesitokhwe abaza kuthenga. Sekunjalo, enye yeengxaki zale ndlela kukuba kunokuba nzima ukugcina umdla womntwana wakho. Bahlala bexakekile xa kukho imali yokwenene emngciphekweni, ngakumbi ukuba sele bechithe ixesha beyifumana.
Imibuzo ebuzwa qho
Kutheni kubalulekile ukuthetha nabantwana malunga nokutyalomali, kwaye kufuneka ziqale nini ezi ngxoxo?
Kubalulekile ukuthetha nabantwana malunga nokutyala imali ukuze ubancede baphuhlise isiseko esiqinileyo sezemali kwaye ubamisele impumelelo yexesha elizayo. Ezi ncoko zinokuqalisa kwangethuba lokuhamba isikolo samabanga aphantsi zize ziqhubeke ebudeni balo lonke ixesha lokufikisa kwabo. Ukuqala kwangethuba kuvumela abantwana ukuba babambe iikhonsepthi ezisisiseko zemali kwaye bakhulise imikhwa elungileyo yokwenza imali kwasebuncinaneni.
Ngawaphi amanye amabinzana aphambili otyalo-mali kunye namagama abazali abafanele bawazise kubantwana babo, yaye banokuzichaza njani ezi ngcamango ngendlela evumelana nobudala nebangelโ umdla?
Xa besazisa iikhonsepthi zotyalo-mali ebantwaneni, abazali bafanele baqale ngeengcinga ezilula ezinjengokugcina imali, ukuzibekela usukelo, nokuqonda ingcamango yokufumana inzala. Njengoko abantwana bekhula, banokungeniswa kumagama afana nezitokhwe, iibhondi, izabelo, kunye nenzala edibeneyo. Abazali banokuchaza ezi ngqikelelo ngendlela efanele iminyaka yobudala ngokusebenzisa imizekelo ehambelanayo, amabali, kunye nemisebenzi edibeneyo eyenza ukufunda malunga nokutyalomali kubandakanye kwaye kuqondakala.
Abazali banokubanceda njani abantwana babo bakhulise imikhwa emihle yemali kunye nokuqonda okumandla ngokubaluleka kokonga nokutyala imali kwikamva?
Abazali banokubanceda abantwana babo babe nemikhwa emihle yemali ngokubafundisa ukubaluleka kokonga imali rhoqo, ukuzibekela usukelo lwemali, nokwahlula phakathi kweentswelo nezinto abazifunayo. Banokukhuthaza abantwana babo ukuba bafumane kwaye balawule imali yabo ngemisebenzi efana nemisebenzi yasekhaya okanye imisebenzi yesingxungxo. Abazali banokubandakanya abantwana kwiingxoxo zohlahlo lwabiwo-mali lwasekhaya nasekuthatheni izigqibo zokubanceda baqonde ixabiso lemali kunye neengenelo zokonga nokutyala ikamva.
Ngaba kukho naziphi na izixhobo ezinokusetyenziswa ngabazali ukuze baxhase iincoko zabo nabantwana babo ngokutyala imali, njengeencwadi, izixhobo ze-intanethi, okanye iinkqubo zemfundo yezemali?
Kukho izixhobo ezahlukeneyo kunye nezixhobo ezikhoyo zokuxhasa abazali ekuxoxeni ngotyalo-mali nabantwana babo. Iincwadi ezimalunga nolwazi lwezemali kunye notyalo-mali lwabantwana zinokunika iinkcazo ezifanelekileyo iminyaka kunye namabali ukwenza iikhonsepthi zifikeleleke ngakumbi. Izixhobo ezikwi-Intanethi kunye neewebhusayithi zibonelela ngemidlalo esebenzisanayo kunye nokulinganisa ukufundisa izakhono zemali. Iinkqubo zemfundo yezemali, nokuba kusezikolweni okanye kwimibutho yasekuhlaleni, zinokubonelela ngezifundo ezicwangcisiweyo kunye nemisebenzi eyilelwe ukufundisa abantwana malunga notyalo-mali nolawulo lwemali.
Ziziphi iimpazamo eziqhelekileyo okanye iingcamango eziphosakeleyo abazali abafanele baziphephe xa bethetha nabantwana babo malunga nokutyalomali, kwaye banokuqinisekisa njani ukuba ezi ngxoxo zinemveliso, zilungile kwaye ziyaxhobisa?
Enye impazamo eqhelekileyo ekufuneka iphetshwe kukucinezela abantwana abaneengcamango zemali ezintsonkothileyo ezingaphaya kokuqonda kwabo. Kubalulekile ukuqala ngolwazi olulungele iminyaka kwaye ngokuthe ngcembe wakhele phezu kokuqonda kwabo njengoko bekhula. Enye imbono engeyiyo ekufuneka iphetshwe kukubonisa utyalo-mali njengeskimu sokutyeba ngokukhawuleza. Abazali kufuneka bagxininise ukubaluleka kotyalo-mali lwexesha elide, umonde, kunye nokulawula umngcipheko. Kukwabalulekile ukudala imeko-bume evulelekileyo nenika inkxaso apho abantwana baziva bekhululekile ukubuza imibuzo nokwenza iimpazamo, njengoko oku kukhuthaza amava okufunda akhuthazayo nakhuthazayo malunga nokutyala imali.
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