Isicwangciso-mali sokuTyala kwi-Outpace Ukunyuka kweendleko
Enyanisweni, usenokuthi ulahlekelwe ngumlinganiselo wokunyuka kwemali nokuba ugcina imali yakho kwi-akhawunti yebhanki okanye kwiSatifikethi seDistim (CD).
Ngokomzekelo, izinga eliqhelekileyo lomyinge wexabiso lokunyuka kwamaxabiso li-3.40%. Masithi uziva uxanduva lwezezimali kwaye ubeka imali yakho eyi-hard in CD, ufumana i-2.00%, kwibhankini yasekhaya. Ukwenza izibalo ezikhawulezayo, unako ukubala umahluko (3.40 - 2.00 = 1.40) kwaye ubone ukuba usaphulukana nokunyuka kwamaxabiso ngo-1.40%.
Oku akuthinteli nakwiirhafu zerhafu ekugcineni kwakho, okuya kunciphisa izinga lakho lokwenene (emva kokunyuka kwexabiso lentlawulo) ukuya kwi-0.10%, ekuthatyathwa kwezinga eliphezulu lentlawulo ye-25%. Ngoko ke, kwizinga elincinci lentengo, ungasindisa imali kwi-CD kodwa uxabiseke ngenxa yokunyuka kwamaxabiso nentlawulo - wenza oko ndibiza ngokuba "ukulahlekelwa yimali ngokukhuselekileyo." Indlela efanelekileyo kakhulu yokuba abaninzi abantu batshale imali-xabiso-ukufezekisa ukubuyiswa kwemali engaphezulu kwe-3.40%-kukutyalomla kwintsebenziswano ethile yeempahla kunye nezibophelelwano zemali.
Funda indlela yokwakha i-Portfolio ye-Mutual Funds
Ukwakha iphothifoliyo yemali efana kunye nokwakha indlu: Zininzi iintlobo ezahlukeneyo zobuchule, izixhobo, izixhobo kunye nezinto zokwakha; kodwa isakhiwo ngasinye sichaza ezinye izinto eziphambili.
Ukwakha iphothifoliyo engcono kakhulu ekufuneka uhambe ngaphaya kweengcebiso zengqondo, "Musa ukubeka onke amaqanda akho kwibhasikidi enye:" Isakhiwo esinokumelana nokuvavanya kwexesha kufuna ukuyila i-smart, isiseko esomeleleyo kunye nokudibanisa okulula yeemali ezihlangeneyo ezisebenza kakuhle kwiimfuno zakho.
Qonda iZiseko eziSiseko zeDissification ngeMual Funds
Ukuchithwa kwemali kunye neengxowa-mali ngokubanzi kunokugqithisa amaqanda kwiibhasiki ezahlukeneyo. Abanini-mali abaninzi benza impazamo yokucinga ukuba ukusabalalisa imali phakathi kweemali ezidibeneyo zithetha ukuba baneepotifoliyo ezifanelekileyo. Nangona kunjalo, ezahlukeneyo azithethi iintlobo ezahlukeneyo. Qinisekisa ukuba unobungozi kwiindidi ezahlukileyo zemali .
Sebenzisa i-Growth Stock Stock
Njengoko igama libonisa ukuba, i- stock stock exchange funds eqhuba kakuhle kakhulu kwizigaba ezivuthiweyo, njengexesha lokunyuka kwamaxabiso, lomjikelo wemarike xa uqoqosho lukhula kwinqanaba elifanelekileyo. Isicwangciso sokukhula sibonisa ukuba ziphi iinkampani, abathengi, kunye nabatyalomali bonke benza ngokufanayo kwimpuco enempilo - ekufuneni ukukhula okuzayo kunye nokuchitha imali eninzi yokwenza.
Sebenzisa iiNgxowa zeeNkxaso zangaphandle
Xa ukunyuka kwamaxabiso kukhula, ixabiso le-dollar yase-United States liwa. Ngako ke iimali zengxowa-mali zangaphandle zingasebenza njengentambo ngokuzenzekelayo njengoko imali etyalomali kwiingxowa-mali zangaphandle iguqulelwa kwiidola ezininzi ekhaya.
Iintlobo zeeNgxowa-mali zeBond eziPhambili zeNkxaso kwiRhafu yeNtengo kunye neNkokeli
Iimali zeBond zingahle zilahlekelwe ixabiso kwiimeko zokunyuka kwamaxabiso ngenxa yokuba iintengo zamabhondi zihamba ngendlela echaseneyo njengamaxabiso enzala, aphakama kunye nokunyuka kwamaxabiso.
Nangona kunjalo, utyalo-mali osisilumko uya kusasaza ngeengxowa-mali kunye nokuthanda, ngoko ke, ukufumana imali efanelekileyo yokubophelela imali yokunyuka kwamaxabiso:
- Iibhondi zexesha elifutshane: Ukunyuka kwamazinga enzala kwenza amaxabiso amabhonksi ahla kodwa ekude ukukhula, amanani athile aya kuwa. Ngoko ke, ukukhula okufutshane kufutshane kunokukwenza ngcono ekukhuleni kwezinga lentlalo.
- Iibhondi zexesha eliphakathi: Nangona ubunzima bexesha elide kunye nale mali, akukho mtyalo-mali owaziyo ngokwenene ukuba amazinga omdla kunye nokunyuka kwamaxabiso kuya kwenza ntoni. Ngokomzekelo, ngaba abaphathi bebhanki bezona zingcono zicinga ukuba ukunyuka kwamaxabiso kuza kubuya ngo-2011, okuza kuzisa kwizinga eliphezulu lamanzala kwaye ukwenza izibophelelo zexesha elifutshane zikhangele ngakumbi. Babengalunganga kwaye abaphathi bezimali balahlekelwa ukuba batyekise imali.
- Iimali ezikhuselweyo ze-Inflation: Eyaziwa ngokuba yi- Nondyebo yeMali-mali (Protected Securities) (I-TIPS) , ezi zibophelelo ziyakwenza kakuhle ngaphambili nangethuba lokunyuka kwamaxabiso, okuvame ukuhambelana nokukhula kwamanani kunye nokukhula koqoqosho.
Cinga nge "Indlela yokuLungisa" kwiSatifikethi seDistim (CD)
Xa inani lamanani likhulayo, abatyali-mali abafuna ukukhuseleka kohlobo lwe-CD banokuqwalasela indlela ye-ladder, oku kuthetha i-CD entsha kunye nexesha elifutshane lokuhlengwa, njengomnyaka owodwa okanye ngaphantsi, kwaye kuthengwa ngezikhathi ezithile, njenganye kanye ngenyanga okanye emva kweenyanga ezimbalwa , ukubamba amazinga aphezulu njengoko bephakama. Ingcamango kukunyuka kwinqanaba elimfuziselo eliphezulu. Emva kweenyanga ezimbalwa, i-CD yakho entsha inokufumana ixabiso eliphezulu. Xa amaxabiso enzala abonakala ezinzileyo, unokuqwalasela ukuvalela kumazinga aphezulu kumaxesha athatha ixesha elide.