Ukuchazwa kokunye ukutshalwa kwezimali: utshalomali olungeyona phakathi kwalezi zinhlobo ezintathu zendabuko: ama-equities, ama-bond noma izimali ezihlanganyelanayo kuyabhekwa kanye nokunye ukutshalwa kwezimali. Izimpahla eziningi zokutshala imali ziphethwe abadayisi bezikhungo noma abantu abagunyaziwe, abanenani eliphezulu ngenxa yemvelo eyinkimbinkimbi yotshalo-mali. Amanye amathuba afaka phakathi i-hedge funds, ama-akhawunti aphethwe yi-Forex, impahla, nezinkontileka zesikhathi esizayo ezidayiswa ngokushintshaniswa. Olunye utshalomali aluhambisani nezimakethe zamasheya zomhlaba ezenza ukuthi zifunwe kakhulu ngabatshalizimali abafuna izimbuyiselo ezingahlobene nokutshalwa kwemali kwendabuko. Kuncanyelwa amanye amathuba ngenxa yokuthi izimbuyiselo zawo zinokuhlobana okuphansi nezimakethe ezinkulu zomhlaba. Ngenxa yalokhu, abatshalizimali abaningi abasezingeni eliphezulu, njengamabhange nezinsizakusebenza, sebeqalile ukwabela ingxenye yezikhundla zabo zokutshala imali kwamanye amathuba okutshala imali. Ngenkathi umtshali-zimali omncane kungenzeka ukuthi akazange abenalo ithuba lokutshala imali kwezinye izindlela ezedlule, bayakwazi ukutshala imali kuma-akhawunti we-Forex aphethwe ngawodwana.