Yenza iinqunto ezinkulu zePortfolio ngaphambi kokuba iimvakalelo zithinte
Ngokwenene, kunokuba kuvezwe ngokukodwa kodwa isitatimenti somgaqo-nkqubo wokutshala-mali asiyiyo into yokubhala yokubhala onokuyichitha-yinto ebalulekileyo ishishini. Iphuzu kwinqanaba: Ukuba uhlawula ubutyebi obunzulu, iziphumo ezilungileyo uzakusekela i-akhawunti ephethwe ngabanye kunokuba utyalomali ngokusebenzisa imali okanye uxhaso lwemali .
Enye yezinto zokuqala oza kwenzayo uhlala phantsi kunye nommeli wenkampani ejongene nezinto eziphathekayo kwaye uthetha naye njengoko uzalisa, kunye kunye nesitatimende senqubomgomo yokutshala imali abayisebenzisayo ekukhombiseni inkqubo yabo yokwenza isigqibo njengoko bethenga okanye uthengise imali-mali.
Thatha icwecwe lephepha, uthathe ipeni, kwaye ulungele ukuhlawula amanqaku ambalwa. Cinga ngezi zinto malunga neentsuku ezizayo kunye neveki, uze ubeke ixesha lokugqiba ngokugqibeleleyo inkcazo yomgaqo-nkqubo wokutsalwa kwemali-mali, ohlolisayo ngekota, ngonyaka-nonyaka, ngonyaka okanye rhoqo ngonyaka ukuze uqiniseke ukuba usalandela.
Ngokwenza izigqibo xa uxolo kwaye ihlabathi lilungelelaniswa, awuyi kuhendeka ukuba ulahleke xa kukho igazi eliqhutyayo ezitrato kunye nabathengisi beendaba bezomabonakude bakhala ngokukhawuleza malunga ne- Dow Jones Industrial Average kunye ne- S & P 500 .
Chaza iinjongo zakho
Yintoni, ngokuchanekileyo, ufuna ukuba imali yakho iyenzele yona?
Kutheni kutyala imali kwindawo yokuqala? Udinga ukunika ubutyebi bakho umsebenzi . Qala ngokuhlala phantsi kwaye uthembeke kunye nawe malunga neenjongo zakho. Umzekelo, unokuthi:
- Ndifuna iphothifoliyo eyenza igalelo, inzala kunye neentlawulo ze-$ 5,000 ngaphambi kwentlawulo nganye ngenyanga ngethuba elineminyaka engama-62 ubudala ukuze ndidibanise neholo loNgcoliseko lwentlalo kwaye ndiphile ubomi obumnandi.
- Ndifuna ukushiya ubuncinane i-$ 100,000 njengelifa kubantwana bam kunye nabazukulu bam, mhlawumbi kwisikhwama sokuthembela esabelana nabo njengeqela kwizitofu ezilinganayo kwiminyaka emithathu ukuze bangayisebenzisi yonke indawo kwindawo okanye ngaxeshanye.
- Ndifuna ukulala kakuhle ebusuku nokuba kuthetha ukukhulisa imali yam ngokukhawuleza kunokuba ndifanele ukuba. I-trade-off isingeniso.
Kwizinto ezimbini zokuqala, ungasebenzisa i-calculator yemali ukugqiba inani lemali oyifunayo ukuba ubeke eceleni, kunye nezinga elixakekayo oza kulufumana ukuze ufumane kwii-asethi zakho ezikhoyo, ukushaya iithagethi zakho. Musa ukukhathazeka, akunzima kangangoko kuzwakala. Enyanisweni, ukuba ufunda isiqwenga sam ezimbini kwixabiso lexesha leemali, sele uyenzile ubuncinane ubuncinane kwezi zibalo ngaphandle kokuyiqonda.
Beka imida yolwabiwo-mali
Emva koko, emva kokuqwalasela ukuba imilinganiselo emihle yokubuyisela yimihla nganye yee-asethi ezahlukeneyo, kufuneka ubeke isabelo sakho sempahla ngendlela evumela ukuba uhlangabezane neenjongo zakho phezu kwexesha elichaziweyo.
Umzekelo, unokuthi:
- Ndiza kuhlala ndihlala, ngaphandle kokungafani, ugcine ubuncinane be-10% ebantwini bam enetyenzi ngemali kunye nokulingana kwemali ukwenzela ukuba ihlabathi liyahlukana, andinakukhathazeka ngokuthenga ukutya, i-gas, okanye iyeza. Le mali ayifuni ukufumana impendulo. Ngokuqinisekileyo, ukuhamba ngexabiso lokunyuka kwamaxabiso kulungile kodwa akuyona nto ebalulekileyo. Yilondolozo; i-anchor yam ukuya emoyeni. (Ukuze ufunde okungakumbi, funda " Ndingakanani na imali kufuneka ndihlale kwiPortfolio yami? ")
- Ndiza kuhlala ndihlala, ngaphandle kokungafani, ugcine u-20% ukuya kwi-40% yepottoliyo ephakamileyo, izitokisi ze-blue-chip ezihlawula igalelo , nangona xa i-market market igxotha ngama-50% okanye ngaphezulu. Lezi ziqhwaba zentengiselwano yasekhaya kunye namazwe ngamazwe enza i-backbone yoqoqosho lwehlabathi. Bangabonakala bexhaphaza, kwaye bangabonakali bakhula ngokukhawuleza njengento esilandelayo-enkulu enkulu, kodwa banokufumana umsebenzi xa bandinika uxolo lwengqondo kuba kufuneka bahlale bexabisa iminyaka elishumi okanye emashumi amabini ukususela ngoku kungakhathaliseki kwexesha elidlulileyo.
- Ndiza kugcina ubuncinane i-20% yepottoliyo yam, e-ownership-generating real estate yakho edolophini. Kuya kuba yindawo yokuhlala yokugcina indawo ukuba ndifuna ukuphuma ekhaya kunye ne-downscale, inikeze isilinganiselo esongeziweyo senkonzo. Ingeniso yokuqasha iya kundinceda ukuxhaswa kwamanye utyalo-mali kunye nokulungelelaniswa kwayo okufutshane kunye nokubuyiswa kweemakethe zentengiso kuninika inqanaba lokukhusela endiyithandayo.
Kuya kufuneka usebenze iinkcukacha kodwa ufike kumxube ochanekileyo ngendlela yokuphila yakho kunokukunceda ukuba ugweme ukuzifumana kwiimeko ezihluphekileyo.
Ukuseka iMichanics ye-Running Portfolio
Kufuneka wenze isigqibo:
- Uza kuvavanya kaninzi ukuba uphonononge iphothifoliyo yakho ukuqinisekisa ukuba ungaphakathi kwemida yakho ebekwe ngaphambili kwaye utshaye izithuba zakho zokucima ucingo.
- Ifilosofi yotyalo-mali oyisebenzisayo ukongeza izitokethi ezintsha okanye iimali kwi-portfoliyo yakho (umz., Xa sathetha malunga nokuthengwa kwe-blue-chip chips ngaphambili, ungathi, "Ndiza kubheka kuphela amasheya athe wandise igalelo zawo ubuncinci iminyaka engama-15 ngokulandelelana "kwaye udlulise ezinye iimvavanyo ezininzi zesikolo-esikolweni esidala uBenjamin Graham utyalo-mali olusisiseko).
- Ngaba uza kulandelelanisa rhoqo ukugcinwa kwezinto zakho, okanye ingaba uya kulandelana.
- Ixesha lokulinganisa oza kulusebenzisa ukuchonga ukuba isicwangciso sakho sisemgangathweni. (Qaphela: Nantoni na engaphantsi kwe-5 ubudala, ukuba uya kuxolela, i-idiotic ngokupheleleyo.Ubu bungqina bobugcisa kule nto icacile.Ukuba uya kuqhathanisa iphothifoliyo yakho kwinyanga nganye, okanye ngaphambi konyaka, ukunyuka kweenyanga, mhlawumbi uya kwenza into engalungileyo.)
Iingcamango zokugqibela zokubhala IPS yakho
Qinisekisa ukuba ubhala, usayine, kwaye uhlawule isitatimende somgaqo-nkqubo wakho wokutyalomali ukugcina uphendula. Ukuba uthe awuyi kuvumela isitokethi esinye okanye isibophelelo ukuba ungadlulanga ama-5% kwipotfoliyo yakho, gcina izikhokelo zakho.
Ukuba uya kugcina inani elithile kwiibhanki zikamasipala ezingenasiphoso njengengxowa-mali yongxamiseko, yenza njalo. Cinga ngolu hlobo olufana neepotfoliyo yesivumelwano somsebenzi, kuphela phakathi kwakho nemali yakho. Kulula kakhulu ukwenza izigqibo ngokuzenzekelayo ngaphambi kokuba zonke iwayini kunye neeresi.