Kukho zombini uxanduva lweemali kunye kunye neengxaki zemali. Makhe sijonge iimbalwa ezimbalwa zeengxowa-mali kunye kunye nento abangayinika ngayo i-novice kunye ne-investor.
01 Utyalo lotyalo
Isicwangciso esisisiseko sophuhliso lotyalo-mali siya kubandakanya zombini iifowuni kunye nezibophelelo (mhlawumbi ngeemali zentengiso okanye ukuthengwa ngokuthe ngqo kwezikhefu kunye / okanye iibhondi). Ukongeza izitokisi ezahlukahlukeneyo kwipotifoliyo kwandisa ukutsalwa kweentlobo-mali ngokucacileyo ukuba ukuba isitokisini esinye senza kakuhle, ngoko unokufumana esinye isitokthi esenza kakuhle. Ngokudibanisa iimbophelelo kwipotfoliyo, umtyalomali uza kufezekisa ulwaphulo-mali olungakumbi.
Ulwahlulo olukhulu lokutshala imali lungenziwa ngokufaka izitokhwe zeefowuni zeemarike ezahlukeneyo (i-cap enkulu, i-cap middle kunye ne-cap encinci) kunye nokudibanisa iintlobo ezahlukeneyo zeebhanki (ukususela kumabhondi kamasipala ukuya kwiibhondi zenkampani).
Ulwahlulo lwentlalo-mali luyinzuzo enkulu yemali . Ulwahlulo lotyalo-mali lwentlalo-mali lithetha ukuba umtyalo-mali unako ukufikelela ngokukhawuleza kumakhulu amabhonkco okanye amabhondi kunye ne-investment minimality investment. Ngaphandle koko, ukwenzela ukongeza ukutsalwa kotyalo-mali kwipotfoliyo yakho, unokufuna ukuthenga ezininzi zeempahla kunye nezibophelelo.
Ngamagama ahlukeneyo, umtyalo-mali unokufikelela ekudibaniseni kunye nemali eyodwa okanye ezimbini, ngokuxhomekeka kwimihlobo yeengxowa-mali.
02 Iingcali ezilawulwa yiPorpholios
Uninzi lwabatyalo-mali banemisebenzi, iintsapho, izinto ezithandwayo, kunye / okanye ezinye izinto ezinomdla ezichitha ixesha labo. Ngokwahlukileyo, abaphathi beengxowa-mali kunye nabahlalutyi bavuka rhoqo ekuseni bazinikezela ubomi babo bobugcisa ukuphanda nokuhlalutya ukubambezeleka kwangoku kunye nokubanakho okubambisana nabo. Ukuba ukhetha ukunyamekela ixesha lakho kunokuba udlulise idatha yedatha, sebenzisa iiphothifoliyo eziphathwe ngokufanelekileyo.
03 Iintlobo zeeMali eziManyeneyo
Ingaba ufuna ukudibanisa ama-equ equity capital, ama-equity international okanye amabhondi kwi-portfoliyo yakho, unako ukwenza njalo ngemali ephakathi. Kukho iikhredithi zomhla ezijoliswe kuzo eziza kubamba iintlobo ezahlukahlukeneyo zeemali ezihlangeneyo zihlanganiswe enye.
Ngako oko abatyali-mali bangakwazi ukwakha iipotifoliyo ezahlukahlukeneyo kunye neengxowa-mali ezihlukeneyo zintathu ukuya ezintlanu ezivela kwiindidi ezahlukileyo, njenge-stock-cap enkulu, i-stock-cap stock, i-stock stock, kunye ne-bonds.
Amanqaku angaphezulu kwiintlobo zeeMali eziManyeneyo
- I-Pros and Cons Cons of Target-Date Funds
- Funda indlela I-Mutual Funds isebenza ngayo
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.