Iimveliso kunye ne-Conserve ye-5 Indlela eyahlukeneyo yokuNikwa kweNgxowa-mali
Isiqinisekiso sokuPhumela
Ukuba ufuna ukukwazi ukubala kwisiphumo esithile kumhlalaphantsi, unako ukukwenza, kodwa kuya kuba neendleko ezininzi kuneqhinga eliza kunye nesiqinisekiso esingaphantsi.
Ukudala isiphumo esithile kuthetha ukusebenzisa utyalo-mali olukhuselekileyo ukuxhasa iimfuno zakho zokufumana umhlalaphantsi. Unokusebenzisa i- ladder ladder , oku kuthetha ukuba uza kuthenga isibophelelo esiya kukhula kulo nyaka kunyaka ngamnye womhlalaphantsi. Uya kuchitha zombini inzala kunye nenqununu ngomnyaka ubophelelo lukhula.
Le ndlela inemihluko eminingi. Ngokomzekelo, ungasebenzisa izibhonkco zeconponti zerhafu ezingabhatali nzala ukuya kukhula. Uya kubazithenga ngexabiso kwaye ufumane yonke inzala kunye nokubuya kwinqununu yakho xa bekhula. Ungasebenzisa ukugcinwa kweemali ezikhuselekileyo zexabiso lokunyuka kwamaxabiso okanye i-CD kwimiphumo efanayo, okanye unokuqinisekisa isiphumo ngokusetyenziswa kwezibonelelo.
Inzuzo yale ndlela iquka:
- Isiphumo esithile
- Ukuxinezeleka
- Ukugcinwa okuphantsi
Ezinye izinto ezingalunganga ziquka:
- Ingeniso ayinako ukulungiswa kwexabiso lentengo
- Ukunciphisa ubuncinane
- Uchithe inqununu njengotyalo-mali olukhuselekileyo okanye usebenzise inqununu yokuthengwa kwemali ukuze iqhinga lingenakushiya ezininzi kwiindlalifa zakho.
- Ingadinga imali engaphezulu kunezinye iindlela
Utyalo-mali oluninzi oluqinisekisiwe luyancinci. Kwenzeka ntoni ukuba elinye iqabane lidlula elincinci, okanye ukuba ufuna ukuhlawulela kwiholide lexesha elilodwa ngenxa yezempilo? Qaphela ukuba iziphumo ezithile zingakhupha i-capital yakho, okwenze kube nzima ukuguqula inkambo njengoko ubomi bwenzeka.
Ibuyisela Iyonke
Ngokubuyisela iipotfoliyo, utyalomali ngokulandela indlela eyahlukileyo kunye nokubuyela kwexesha elide elilindelekileyo ngokuxhomekeke kumlinganiselo wesitokethi ukuya kwiimbopheleleko. Ukusebenzisa imbuyekezo yembali njengomproxy, unokubeka ulindelo malunga nokubuyiselwa kwexesha elizayo kunye nephothifoliyo ye-stock and bond bond index .
Izitishi ziye zadlula kwiipesenti ezili-9 njengoko zilinganiselwe yi-S & P 500. Iibhondi ziye zafikelela malunga neepesenti eziyi-8 njengoko zilinganiswa yi-Barclays US Aggregate Bond Index. Ukusetyenziswa kwendlela yokwenza iipotifoliyo kunye nokwabiwa kwamasheya angama-60 kunye nama-bond e-40 ekhulwini kuya kukuvumela ukuba ubeke izinga elide lokubuyela kwexesha elide kwi-8.2 yeepesenti. Oku kuphumela ekubuyiseleni kwepesenti ezi-7 zemali eqikelelwayo ekufuneka isebenze malunga nama-1.5 ekhulwini ngonyaka
Ukuba ulindele ukuba iphothifoliyo yakho ibone ukubuyela kwe-7 pesenti yokubuya, unokuqikelela ukuba unako ukuhoxisa ama-5 ekhulwini ngonyaka kwaye uqhubeke ujonga iphothifoliyo yakho ikhula. Uya kuhoxisa ama-5 ekhulwini wexabiso lokuqala kwipolfoliyo kunyaka nokuba i-akhawunti ayifumana iipesenti ezi-5 ngaloo nyaka.
Kufuneka ulindele ukunyanzeliswa kwenyanga, kwekota kunye neyonyaka, ngoko kuya kuba nexesha apho utyalo-mali lwakho lufaneleke ngaphantsi kwelo nyaka. Kodwa le ntliziyo iyingxenye yesicwangciso ukuba utyalo-mali ngokusekelwe ekubuyiseni kwexesha elide elindelekileyo.
Ukuba iphothifoliyo ekwenzeni ukubuyela kwayo ekujoliswe kuyo ngexesha elide, kufuneka uqale ukuhoxisa ngaphantsi.
Inzuzo yale ndlela iquka:
- Esi sicwangciso siye sasebenza ngokudlulileyo xa unamathela kwisicwangciso esilungileyo
- Ukunyaniseka-unokulungisa utshintsho lwakho okanye uchithe inqununu ethile xa kuyimfuneko
- Kudinga imali encinci xa ukubuyela kwakho kulindeleke kukubuya kunokuba kusetyenziswe umphumo wokuqinisekisa
Ezinye izinto ezingalunganga ziquka:
- Akukho siqinisekiso sokuba le ndlela izakubuyisela ukubuyela kwakho okulindelekileyo
- Unokudinga ukunyuka kwexabiso lokunyuka kwamaxabiso okanye ukunciphisa ukuhoxiswa
- Kudinga ukuphathwa okungaphezulu kwezinye iindlela
Inzala kuphela
Abantu abaninzi bacinga ukuba isicwangciso sabo sengeniso somhlala-phantsi kufuneka sithinte ukuhlala kwi-interest yabo ukuba utyalo-mali lwabo luvelise, kodwa oku kunokuba nzima kumgangatho ophantsi wezinga lomlinganiselo.
Ukuba i-CD ihlawula iipesenti ezi-2 ukuya kwi-3, unokuyibona ingeniso yakho kwimali ye-asethi ukusuka kwi-$ 6,000 ngonyaka ukuya kwii-2,000 zamawaka ngonyaka ukuba unayo imali eyi-100,000.
Inzala emngciphekweni omkhulu otyalo-mali uquka i-CD, iibhondi zorhulumente, ii-double A ezilinganisiweyo okanye eziphakamileyo zamabhondi kunye noomasipala, kunye ne-blue-chip dividend ehlawula iimpahla.
Ukuba ulahlela inzala engaphantsi yobungozi obuthathaka-mali obuthatyathelweyo , ubeka umngcipheko wokuba uhlawulelo lungancitshiswa. Oku kuya kukhokelela ngokukhawuleza kwinqanaba lenqununu lokuzaliswa kwemali ngeniso, kwaye kuya kwenzeka ngokukhawuleza, kukushiye ixesha elincinane lokucwangcisa.
Inzuzo yale ndlela iquka:
- Iinqununu zihlala zizinzile ukuba kusetyenziswe utyalo-mali olukhuselekileyo
- Unokuvelisa isivuno esiphezulu kunezinye iindlela
Ezinye izinto ezingalunganga ziquka:
- Imali engenayo ifumaneka
- Kudinga ulwazi lwezinto ezikhuselekileyo kunye neemeko ezichaphazela inani lemali ehlawulwayo
- INqununu ingatshintsha ngokuxhomekeke kwindlela yotyalo-mali olukhethiweyo
Uhlu loNyaka
Le ndlela iquka ukukhetha utyalo-mali ngokusekelwe kwinqanaba ngexesha uya kulufuna. Ngamanye amaxesha kuthiwa yi-bucketing approach.
Utyalo-mali oluncinci luyasetyenziswa ngemali onokuyidinga kwiminyaka emihlanu yokuqala yomhlalaphantsi. Umngcipheko omncinci ungathathwa kunye notyalo-mali oya kuyidinga iminyaka emithandathu ukuya kwe-10, kwaye utyalo-mali olukhuselekileyo lusetyenziselwa kuphela isahlulo sakho sepotfoliyo ongeke uyilindele kuze kube yiminyaka eyi-11 nangaphezulu.
Inzuzo yale ndlela iquka:
- Utyalo-mali luhambelana nomsebenzi abazimisele ukukwenza
- Kuyanelisa ngokwengqondo. Uyazi ukuba akudingeki ukuba utyalo-mali olusenyongweni naliphi na ixesha ngokukhawuleza ngoko naluphi na ukuphazamiseka kunokukukhathaza ngaphantsi
Ezinye izinto ezingalunganga ziquka:
- Akukho siqinisekiso sokuba utyalo-mali oluphezulu luza kufezekisa ukubuyiswa okuyimfuneko kwixesha labo elikhethiweyo
- Kumele uthathe isigqibo xa uthengisa imali engaphezulu kweengxowa-mali kwaye uzalise ixesha lakho elifutshane elifutshane
Indlela yeCombo
Uza kukhetha ngokukhethekileyo ukusuka kwezinye ezikhetho xa usebenzisa indlela yokusebenzisa i-combo. Ungasebenzisa inqununu kunye nomdla kusuka kwiimali-mali ezikhuselekileyo kwiminyaka yokuqala eyi-10, eya kuba yintlangano ye "Guarantee IsiPhumo" kunye ne "Isigaba seNkcitho." Emva koko uza kutyalomali imali yesikhathi esithile kwi-"Total Return Portfolio." Ukuba amaxabiso enyukayo aphakame ngexesha elizayo, unokutshintsha kumaCD kunye noomashishini karhulumente kwaye uphile kumdla.
Zonke ezi ndlela zisebenza, kodwa qiniseka ukuba uyayiqonda into oyikhethile kwaye uzimisele ukunamathela kuyo. Kwakhona kunceda ukuba ube nezikhokelo ezichazwe ngaphambili malunga nokuba zeziphi iimeko eziya kuqinisekisa utshintsho.