Gcina intloko epholileyo xa amaMakethi aphantsi koNcedo kwixesha elide
Iimarike ze-bear ziba umngeni kubanini-mali abatyebileyo. Akunandaba ukuba unayo i-$ 1,000 kwimarike okanye i-$ 1 yezigidi, ukulahlekelwa yimali kukubuhlungu. Kulo xesha lokuncipha kweemarike umonde wakho uya kuvavanywa. Ukuba uloyiko lubekwe, unokucinga ngokukhangela kwisicwangciso sakho sokutshala ngokupheleleyo, esinokwenza umonakalo omkhulu kunanoma yini enye.
Ukwakha Ulwabiwo-mali olufanelekileyo
Isisitshixo sokwenza i-market yebhere ngaphandle kokulahlekelwa ubuthongo livela kwakha kwipotfoliyo yakho.
Mhlawumbi unayo iphothifoliyo equkethe inani leemali ezihlangeneyo, ii-ETF, iimasheya, kunye nezibophelelo. Ngokubambisana, lo mxube we-eclectic we-investments ulungiselelwe ukufezekisa injongo ethile. Ingaba yinxalenye ye- 401 (k) icebo lokuxhaswa umhlalaphantsi okanye icebo le- 529 lemfundo yengane yakho, kodwa naluphi na injongo yalo, ufuna ukuqiniseka ukuba utyalo-mali lwenza oko uzimisele.
Ukuba uthe wathatha ixesha lokudala umxube otyalo-mali ofanele ukunyamezela kwakho kunye nenjongo yokutyalo-mali, imakethe yeebhere akufanele ikukhathalele. Ngokomzekelo, ukuba unamashumi ambalwa eminyaka ngaphambi kokufuna imali, kwaye unomtyalo-mali, ungatyaliswa ngokupheleleyo kwiisitokisi. Akukho nto iphosakeleyo kuloo nto, kodwa kufuneka utyalomali nje ngale ndlela ukuba uyayiqonda, kwaye ukhululekile kunye nenyaniso yokuba inzuzo ezukileyo ingahle ilahlekelwe kakhulu ngamaxesha athile. Yiyo nje uhlobo lokutshala imali ngokupheleleyo kwiimpahla.
Ukuba uzifumanisa kwimeko apho ungahlali ukhululekile kwilahleko kwipotifoliyo yakho, oko kukuphawuleka ukuba awuyi kutyalo-mali ngokwemiqathango yokunyamezela kwakho. Oku kwenzeka njalo xa abatyali-mali bathatheka ngokugqithiseleyo kwimarike yenkomo, kwaye ngokukhawuleza bazifumana bephendulela ngokukhawuleza xa ilahleko ziqala ukubonisa kwiingxelo.
Gwema isilingo sokutshintsha lwakho utyalo-mali ngokusekelwe kwiimarike ezikhoyo.
Thatha inzuzo ye-Dollar Indleko yokulinganisela
I-Dollar ihlawule umlinganiselo wendlela yokusebenzisa umhlalaphantsi. Isamba esicwangcisiweyo sedoli sithathwa kwi-paycheck nganye ngeveki, ngeveki nganye, okanye ngenyanga, kwaye inotyalo-mali. Ngenxa yokuba imali efanayo isetyenziswe rhoqo, wenza ukuthengwa kotyalo-mali xa amaxabiso aphakamileyo, aphantsi kwaye yonke indawo phakathi.
Oku kuyinzuzo kumtyalo-mali othe tye kuba uthetha nje xa i-marhwebo isezantsi, uya kuba nokuthenga izabelo ezininzi ngale mali. Ezinye izabelo onayo, ukwandiswa kwexabiso xa kuthengiswa imarike. Ngoko, cinga ngemarike yeebhere njengentengiso kwivenkile yakho oyintandokazi xa ungathenga izinto kwisaphulelo.
Inzuzo yokuwa kweSitokisi
Ukuba ufuna ukuthabatha izinto ezinyathelo elilodwa, ungathanda ukucinga ngokutshala imali ethile kwi- ETF okanye imali edibeneyo eyenzelwe ukunyuka xa ixabiso lemakethe lihla. Ezi mali-mali ziyakunqumla ezinye iilahleko kwenye indawo kwi-portfolio yakho.
Ingxaki kukuba ekubeni ezi zimali zizama ukwenza okungafaniyo nento eyenziwa yintengiso, ukuba izitokisi ziqala ukunyuka kwakhona, ezi mali ziya kuhla.
Yinkemba ejikeleze kabini, kwaye ukuzama ukuchitha ixesha kwimarike ngesicwangciso esinjengoku kunokufaka ingozi enkulu kwipotfoliyo yakho kunokuba ulindele.
Khawucinge ngeeSitetezelo eziMandla
Izitokisi ezikhuselayo asithethi iinkampani kwicandelo lokukhusela, kodwa zibhekisela kwiinkampani ngokubanzi ezinokulungele ukujamelana nemarike yeebhere elide. Iimpawu eziqhelekileyo zee-stocks ezikhuselekileyo ziinkampani ezinamaqhekeza angqongqo asebenze ishishini ixesha elide. Iinkampani ezincinane nezincinci zingenakho ukuzinza kwezemali kwiimarike zeebhere, ngoko unganciphisa umphumo weemarike ezinciphayo xa unamathele kwiinkampani ezinkulu kunye ezintle.