Ubulumko obuqhelekileyo kwimarike yemasheya namhlanje uxelela abatshali-mali abaninzi ukuba baphephe amasheya ngabanye ngenxa yemali ephantsi-mali , kodwa kukho imizekelo eninzi yabatyalo-mali ababetha i-jackpot kwisitya-mali esisodwa, okanye i-pick-ups.
Nangona iisitokethi ezinye ziphezulu kuneepotfoliyo ezihlukeneyo, zinikezela ngamathuba omvuzo omkhulu xa utyalomali lwakho kunye nexesha lilungile. Nazi ezinye zeendaba eziyimpumelelo - kunye nezifundo ongazifunda kuzo.
Isigqibo esisodwa seState
Nangona iimarike zamasityeji yinto ekhethekileyo yotyalo-mali ixesha elide, indlela abantu abatyala ngayo iyatshintsha ngokuhamba kwexesha. Ngaphezulu kweminyaka embalwa edlulileyo, iimali-mali ezithengiswayo ezingenanto ziye zaxhamla xa zithelekiswa nezindleko zeendleko eziphantsi. Kodwa abatyali-mali abaninzi banamathele kwipotifoliyo yamasheya.
Abameli kwiimali eziphantsi kweendleko bathetha ukuba abatyali-mali batshaba kakhulu ukuthenga iipotifoliyo ezahlukileyo zeempahla ezikhupha iimarike ngokubanzi. Iimvume zokugcina izitokethi, ngakolunye uhlangothi, zixabisa ukulawulwa kwe-granular ngamnye kotyalo-mali kunye nepotfoliyo ngokubanzi. Ayikho impendulo engalunganga okanye engalunganga apha - yintoni esebenza ngokusemgangathweni kwiinjongo zakho zophuhliso kunye nokunyamezela.
Imizekelo yoPhuhliso oluNye lweNtsalo-mali
Ukubonisa ngokuchanekileyo indlela ekuhlawulwe ngayo ezinye iimali-mali ezikhoyo, nantsi ezinye zeendaba eziyimpumelelo kwiingcali kwihlabathi lokutshala imali. Khumbula ukuba zonke izitokethi ezikhethiweyo azisebenzi kakuhle kunye namabali angezantsi, kodwa kunokwenzeka ukuba uyityebile!
- Julie Rains uyibhloko ye-Investment to Succeed and advocate for investing in stocks as one part of a portfolio built. U-Julie watyala imali engama-6,000 e-California esebenzisa i-computer esebenzi ye-computer yeNvidia. Esi sitshixo sinexabiso eliphindwe kabili kuba sele uthenge malunga neminyaka emibini edlulileyo, kwaye ngoku ixabise i-$ 35,000. Ngokusekelwe kwimathematika yakhe kunye nokubonakalayo kwimarike yemoto engaqhubiyo, uJulie usebambelele kwi-NVDA kwipotfoliyo yakhe.
- UJackie Cummings uKoski ungumfundisi wezemali kunye neeblogi kwie-Letters Money. Ngokutyalomali lwabakho kunye notyalo-mali kunye neklabhu yokutyalomali, uJackie uphindwe kabini imali yakhe kwi-Apple, Altria Group, kunye ne-3M kule minyaka emihlanu ukuya kweyishumi.
- UJoseph Hogue ungumlobi kwi-PeerFinance101. Wathenga i-Spectrum Pharmaceuticals kunye ne-Vertex Pharmaceuticals ngo-Oktobha kunyaka odlulileyo. Kwiinyanga ukususela, zombini iphakama ngaphezu kwama-100 ekhulwini.
Lindela ukukhutshwa kwama-Offsetting
Kungenxa yokuba utyalo-mali omnye ube yimpumelelo yokuphumla akuthethi ukuba yonke imali-mali iya kuqhuba kakuhle. Ukutshintsha kumava akho, ndandisandula ukubetha isityebi kunye notyalo-mali oluncinane kwiBitcoin. Nangona kungekho sithuthi esisodwa, utyalo-mali lweBitcoin luninzi lweempawu ezifanayo zokutshala imali kwiimpahla. Ndatyala imali engama-dollar angama-100 kwaye ndahamba nge-$ 1,000, ndafumana i-836 pesenti ibuya.
Nangona kunjalo, akuyiyo yonke imali endiyenzayo endiyenziweyo eyenziwe. Kwixesha elidlulileyo, ndilahlekelwe imali kwi-World Wrestling Entertainment kwaye ngoku ilahle ilahleko kwiTeva Pharmaceuticals naseWynn Resorts kwiphothifoliyo yam. Xa udibanisa ilahleko zam kwiTeva kunye neWynn xa kuthelekiswa nokuphumelela kwam kutshanje ngeB Bitcoin, ndiphela kuphela nge-$ 500. Ezinye zeenzuzo zaphuma ekuhlambeni .
Ziziphi Izithuba Zakho?
Ukuba uqala ukuthenga izitokisi ezingabodwa, yiziphi iingxaki oza kuba nazo impumelelo efanayo noJim, uJulie, uJackie noJoseph? Impendulo ethile ephazamisayo kukuba kuxhomekeke.
Zonke izitishi kunye nolunye utyalo-mali luhlukile. Kwabakho ukutshala imali ezimbini kwenkampani enye akuyi kwenza okufanayo ngaphandle kokuba kuthengwa ngexabiso elifanayo lemarike, okungenakwenzeka ukuba kwenzeke.
Ukusebenza kwexesha elizayo kwezitokisini esisodwa kusekelwe kwiimeko ezininzi, kubandakanywa nokusebenza kwezimali kwenkampani kunye neemeko zoqoqosho kunye neemeko.
Utshintsho kwizinga lentengo okanye ukungabikho kwemisebenzi kudla ngokwaneleyo ukuthumela izitokethi kwi-tizzy, kwaye iimpapasho zentlawulo zingaba nempembelelo enkulu kwithuba elifutshane.
Ukufumana iziphumo ezilungileyo, gxininisa kwisicwangciso-mali sokuhlala ixesha elide. Ukuba ugxininisa utyalo-mali kwiinkampani ezineziko elinamandla kunye nomzekelo webhishini eliqinisekisiweyo, kuya kufuneka likhuphuke phezu kwexesha. Kukho rhoqo izinto ezijongene nobungozi ziya kutshintsha ezantsi, kodwa kuninzi nangaphezulu kwexesha elifutshane kunexesha elide.
Akukho ziqinisekiso kwiimarike zentengiso kunye nokutyalomali-mali olulodwa kunomthwalo ngaphezu kokutshala imali kwiipotifoliyo ezahlukeneyo, kodwa ngamanye amaxesha ezo zitshixo ezilodwa zisebenza kakuhle kwaye zinika ukubuyiswa okumangalisayo. Xa kwenzeka oko, ufumene igrail engcwele yeemakethe.