Esebenzayo okanye engapheliyo? Ixabiso okanye ukukhula? Sisiphi Isitayela Sakho?
Ngaba uceba ukuba ngumtyalo-mali-okanye uceba ukuqesha umcebisi-mali ? Emva kokuba uphendule imibuzo embalwa ebalulekileyo kwaye ubeka ndawonye iphrofayili yakho, uyakwazi ukufanisa iimfuno zakho kwisitayela esithile sokutyalomali.
1. Utyalo-mali olusebenzayo
Ngaba unokunyamezela okukhulu kwengozi? Ngaba ukhangele ukuba ube nxaxheba ebonakalayo kwimarike kaninzi ngosuku? Ukuba kunjalo, isitayela esisebenzayo sokutyalomali sinokulungele. Utyalo-mali olusebenzayo ngokuqhelekileyo lusetyenziswa ngabatyalo-mali abangabandakanyekanga kwixesha elide njengoko bekunjalo. Abatyalomali abakhutheleyo bakhethe iisitokethi ezithile kwaye basebenzise ixesha lokwenza iimakethi ukuze bazame ukugqithisa imarike kumzamo wokufuna inzuzo yesikhashana. Utyalo-mali olusebenzayo kufuna ukuba umtyalomali abe ngumlindi rhoqo kwiimarike kunye nezikhundla zakhe kwiimarike.
2. Utyalo mali
Ukuba unomngcipheko omkhulu kwaye ungafuni ukujonga kwiimakethe zemakethe kwikhompyutha yakho yonke imini, isitayela sokutyalo-mali esingaqhelekanga sinokuphakamisa indawo yakho.
Abatyalo-mali abatshabalalayo abo batyala imali yabo ngexesha elide. Esikhundleni sokuzama ukuhamba ngexesha lemarike njengomtsalo-mali osebenzayo, abatyali-mali abatyaliyo benza iiphothifoliyo ezilandelelanisa i-index-weighted index or portfolio. Ukulandelela isalathisi kuya kubangela ukuba kubekho ingcipheko enciphise ngenxa yokungafani kunye neendleko zokuthengisa ezincinci ngenxa yokuhlawula okuphantsi.
3. Ukukhula
Indlela yokukhula kotyalo-mali yinto ejolise kwiimpahla zeenkampani ezifumana imali yokufumana imali zikhula ngokukhawuleza kuninzi nezinye izitokisi kwaye kulindeleke ukuba ziqhubeke zikhula. Ezi zihlwele zivame ukubhekwa njengezingaphezu kwexabiso kwaye zibe nexabiso eliphezulu kumvuzo wokufumana imali. Kubalulekile ukuba uqaphele ukuba ezi sitokhwe zihlawula ngokubanzi okanye igalelo.
4. Ixabiso
Ngokungafani nokukhula kootyalo-mali abafuna ukugcinwa kweemali ezingaphezulu kwexabiso, abatsha-mali abatshalekileyo bajonga ezo zifuyo ezingenasiphelo okanye ezingabalulekanga. Uxabiso lwabatyalomali balindele ukuba ezi ziqinisekiso ziya kuvuka kwaye zifune ukuzithenga ngaphambi kokuba zenze.
5. Iimali zentengo
Abo batyali-mali abakhetha izitokethi ezisekelwe kubukhulu beenkampani zisebenzisa i-market capital investment style. Intengo yeemali, okanye i-cap yekhredithi, ibalwa njengenani lezabelo ezithengiswayo ngokuphindaphindiweyo ngemali nganye ngenzuzo. Iinkampani ezincinci zenkampani zineemali zentengo yeemali ezizigidi ezingama-300 ukuya kwii-biliyoni ezi-2 ezigidigidi, iinkampani eziphakathi kwe-cap-capital ziyi-2 biliyoni ukuya kwii-10 zeebhiliyoni zeenkampani, kwaye iinkampani ezinkulu zineenkampani zemarike ezingaphezu kwe-10 ezigidi. Amasheya amancinci amancinci ngokubanzi atyalo-mali angaphezu kweengxowa-mali . Nangona ukubuyela kwabo kuphakamileyo, ukunyanzelisa kwabo kuphezulu.
Ngakolunye uhlangothi, iikhampani ezinkulu zeenkampani ziye zixesha elide kwaye zivame ukuba zizinzile. Abantu abaninzi basebenzisa amasheya amakhulu kwiipotfoliyo zabo ngenxa yezabelo kunye nokuzinza.
6. Thenga kwaye Ugcine
Ukuthenga nokugcina isitayela sokutyalomla siwela phantsi kwe-ambulula ye-investing passive. Umtyalo-mali osebenza ekuthengeni kunye nokugcina utyalo-mali olunqabile ukuhweba kwiipotifoliyo zabo kwaye luxhalabisa ngokukhula kwexesha elide.
7. Inkcazo
Olunye uhlobo oluqhelanisiweyo lokutyalo-mali olusisigxina luloluhlu. Ngalolu hlobo lokutyalo-mali, umtyalomali udala iphothifoliyo ebeka izibuko kwiinkampani zesazisi esithile. Iphothifoliyo ngokuqhelekileyo iya kwenza ngokulandelelana kunye nenkcukacha. Olu hlobo lokutyalo-mali lulungele abantu abanomngcipheko omkhulu ngenxa yokungafani kwenkcazo. Iindleko, kubandakanya iindleko zentengiso kunye neerhafu, ezihambelana nokulawula ezi ntlobo zeepotfoliyo ziphantsi kakhulu kwinxalenye enkulu ngenxa yokungaphantsi kwemali.
8. Ukuchithwa
Kukho iintlobo ezimbini zomngcipheko ukuba ngamnye umtyalomali kufuneka akhathazeke malunga: mngcipheko ochanekileyo kunye nobungozi obungasebenzi. Umngcipheko wobuchule ngumngcipheko wemarike ongenakukwazi ukungafani. Kodwa umngcipheko ongeyinkqubo, okanye umngcipheko ovela ekutyalweni kwenkampani ethile okanye kwicandelo elithile, lunokuhlukahluka. Ngokomzekelo, ukuba unokutshala imali kuphela kwiinkampani zeteknoloji, uza kuba nenqanaba eliphezulu lomngcipheko ngenxa yokufumana amasheya kwicandelo elinye kuphela. Ngokwahlula iiphothifoliyo yakho kwaye ungeze okanye utshintshe ezinye iinkampani zeteknoloji ezinkampani zomthengi, inqanaba lakho lomngcipheko liya kuncitshiswa.
Ngaba ulungele ukuqala ukutshala imali yakho? Ukuba kunjalo, qiniseka ukuzibuza yonke imibuzo efanelekileyo ukukunceda ukhethe isitala sokutyalwa esilungele wena.