Bokhoni ba ho laola chelete ka mokhoa o nepahetseng ke boleng ba bohlokoa ka ho khetheha maemong a mathata a lichelete, ha matla a ho reka a baahi a fokotseha, theko ea lichelete e ntse e phahama, 'me litekanyetso tsa phapanyetsano ea lichelete li sa tsejoe ka ho feletseng.Ka tlase ke liphoso tse tloaelehileng tse amanang le litaba tsa lichelete hammoho le likeletso tsa moralo oa lichelete ho thusa ho laola lichelete tsa hau hantle.
Tekanyetso ea lichelete ke eona ntho ea mantlha moralong oa lichelete.Ka hona ke habohlokoa ka ho khetheha ho ba hlokolosi ha ho etsoa moralo oa tšebeliso ea chelete.Ho qala o tlameha ho iketsetsa tekanyetso ea khoeli e tlang, 'me ka mor'a eona u ka etsa moralo oa lichelete oa selemo le selemo.
Ha motheo o nka chelete ea hau ea khoeli le khoeli, tlosa ho eona litšenyehelo tse tloaelehileng joalo ka litšenyehelo tsa bolulo, lipalangoang, ebe u khetha 20-30% ho tefo ea polokelo kapa ea mokoloto oa ntlo.
Tse ling kaofela li ka sebelisoa ho phela: lireschorente, boithabiso, joalo-joalo Haeba u tšaba ho sebelisa chelete e ngata haholo, fokotsa litšenyehelo tsa beke le beke ka ho ba le chelete e itseng e seng e loketse.
"Ha batho ba alima, ba nahana hore ba lokela ho e khutlisa kapele kamoo ho ka khonehang," ho boletse Sofia Bera, moralo oa lichelete ea tiisitsoeng le mothehi oa k'hamphani ea Gen Y Planning.'Me ha e le puseletso, sebelisa chelete eohle ea chelete.Empa ha se taba e utloahalang ".
Haeba u sena chelete ka letsatsi la lipula, maemong a tšohanyetso (mohlala, tokiso ea koloi ea tšohanyetso) u tlameha ho lefa ka karete ea mokitlane kapa ho kena likolotong tse ncha.Boloka bonyane $1000 molemong oa litšenyehelo tse sa lebelloang.'Me butle-butle eketsa "airbag" ho chelete e lekanang le chelete ea hau ho fihlela likhoeli tse tharo-tšelela.
"Hangata ha batho ba rera ho kenya chelete, ba nahana feela ka phaello mme ha ba nahane hore tahlehelo e ka khoneha", ho bolela Harold Evensky, Mopresidente oa k'hamphani ea tsamaiso ea lichelete Evensky& Katz.A re ka linako tse ling batho ha ba etse lipalo tsa motheo tsa lipalo.
Ka mohlala, ho lebala hore haeba ka selemo se le seng ba lahlehetsoe ke 50%, 'me selemong se hlahlamang ba fumana 50% ea phaello, ha baa ka ba khutlela sebakeng sa ho qala,' me ba lahleheloa ke 25% ea chelete.Kahoo, nahana ka liphello.Itokisetse likhetho life kapa life.Ehlile, e ka ba bohlale ho tsetela linthong tse 'maloa tse fapaneng tsa matsete.
Nako ea poso: Jan-15-2023