Izindlela Ongaqala Ukutshala imali kunye Nokufumana Imali Yakho Kukusebenzela
Kule nqaku, ndifuna ukuchaza ezinye iindlela iindlela abatsha-mali abatsha abaqala ngayo uhambo lwabo. Njengoko sithengela kuyo, ndijonga ezinye zezakhiwo kunye nezindlela onokugqiba ngazo ukuthatha amanyathelo akho okuqala. Ndifuna ukuba ukhumbule oku: Musa ukuwadelela umhla wokuqala amancinci. Wonke umntu kwakufuneka aqale kwindawo ethile. Uza kumangaliswa kukuba kungcono kangakanani ixesha elingaphezu kwexesha njengamanyathelo amancinci okuphucula imeko yakho kubangela iziphumo ezinkulu nakakhulu.
Isinyathelo sokuQala ekuFundeni Indlela yokuTyala imali Inguphi uhlobo lweeAfa ozifunayo
Ngundoqo, ukutshala imali ngokumalunga nemali namhlanje kulindeleke ukuba ufumane imali engaphezulu kwixesha elizayo, okokuba, ukubala ixesha , ukulungelelanisa umngcipheko , nokufaka imali ekunyuseni kwamanani emveliso , kubangela ukukhula kwenyuka yonyaka , ngokukodwa xa kuthelekiswa nemigangatho utyalo "olungileyo" . Uninzi lwexesha, oku kufezekiswe kakhulu ngokufumana ixabiso lemveliso.
Iimpahla ezivelisayo zityalo-mali ezithumela imali ngaphakathi kwintlobo yemisebenzi. Umzekelo, ukuba uthenge umzobo, akuyona into evelisayo. Kwiminyaka elikhulu ukususela ngoku, uya kuseka kuphela umzobo, onokuthi awufanelekanga okanye ungaphantsi kwemali. (Kodwa unokwazi ukuwuguqula ibe yintengiso ye-quasi ngokuvelisa i-museum kunye nokutsala ukungena ukuba uyibone.) Ngakolunye uhlangothi, ukuba uthenge isakhiwo sezindlu, awuyi kuba nesakhiwo kuphela, kodwa yonke imali evezwe kwirejista kunye nenzuzo yenkonzo kule minyaka.
Nangona isakhiwo satshatyalaliswa, usenako ukuhamba kwemali, ongayisebenzisa ukuxhasa indlela yakho yokuphila, enikezelwa inceba, okanye uvuselelwe ngamanye amathuba.
Uhlobo ngalunye lweefa ezinokuvelisa lunemveliso kunye neengxaki, iinqwelo ezizodwa, izithethe zomthetho, imithetho yerhafu kunye nezinye iinkcukacha ezifanelekileyo. Unokufumana udibene nomnye, omnye, okanye ukuhlanganiswa kotyalo-mali ngokusekelwe kwizixhobo zakho ezikhoyo, ulwazi, isimo sengqondo, kunye namathuba atholakalayo kwiklasi enye ye-asethi nganoma nayiphi na ixesha elithelekiswa nelinye. Nantsi ukukhawuleza okukhawulezayo kwamanye atyalo-mali ongayenza xa uqala uhambo lwakho:
Ubulungisa Boshishino - Xa unobulungisa kumashishini, unelungelo lokuba nesabelo senzuzo okanye ilahleko ezenziwe ngumsebenzi wenkampani. Kungakhathaliseki ukuba unquma ukuba unobulungisa ngokufumana ibhizinisi elincinci okanye ukuthenga amashishini ebhiziniselwano othengiswe esidlangalaleni ngokuthengwa kwesitokisi , ukulingana kwezoshishino kuye kwaba yimbali ezuzisa kakhulu abatshali-mali. Kakhulu kangangokuthi ngokuhlakanipha kwaphawula ukuba ishishini elihle sisipho esiqhubeka sinikela. Enyanisweni, utyalo-mali kumashishini angabangela ingozi enkulu-uqhuba i-bookstore ephumelelayo ngamashumi eminyaka kwaye ngokukhawuleza i-teknoloji ibangela ukuphakama kwama-Amazon nje kuphela kodwa iincwadi zekhompyutha ezifana ne-Kindle, ukubeka ngokuqinisekileyo ukunyaniseka-kodwa kunokuvelisa ubutyebi ngaphaya kokucinga.
Abantu abaninzi abanengqiqo banamathele kwiindlela ezahlukeneyo kuba kukho ezinye izibonelelo ezibalulekileyo zeemathematika njengoko ungcini nje ukunciphisa ukuthembela kwakho kweshishini elinye kodwa ukwandise amathuba akho okufumana ithuba lokuguqula ubomi. Ngokomntu, uninzi lwaziyo, ndiyathanda ukuba ngamashishini abucala, njengeMount Olympus Awards, inkampani ye-letterman ye-jacket ibhaso, kunye namashishini karhulumente, kuquka iipotifoliyo enezinto zonke ezivela kwi-Diageo ukuya kwi-Colgate-Palmolive.
I-Fixed Revenue Securities - Xa uthengela ukhuseleko olusisigxina, uboleka imali kumbopheli wemboleko ngokutshintshiselwa ngeniso yengeniso . Kukho iindlela ezininzi ongayenzayo, ekuthengeni izitifiketi zentlawulo kunye neemarike zemali kwiibhonkco zenkampani, izibophelelo zamasipala ezingenaserhafu kwizibophelelo zokulondolozwa kwe-US ezifana nezibophelelo zokugcina imali EE Series okanye i- Series I i-bonds yokulondoloza, izibophelelo ezilawulwa njenge-US Iimali zezibondye, iibhondi, kunye namanqaku kwiibhondi zeejensi, kunye nephepha lokuthengisa kwiimali zokugcina izitishi.
Izakhiwo eziMhlaba- mhlawumbi ezona zidala kwaye ziqondwa kakhulu (nangona zide zilula) abatyala-mali beklasi abanokucinga ukuba yi-estate. Kukho iindlela ezininzi zokwenza imali kutyalo-mali kodwa kuhla ngokuya kukuhlakulela into ethile nokuyithengisa inzuzo okanye inento ethile kwaye ivumela abanye ukuba bayisebenzise ngokutshintshiselwa ukurenta okanye ukuhlawula iintlawulo. Kwabaninzi abatyala-mali, i-real estate iye yindlela yokufumana ubutyebi ngenxa yokuba kulula ukuboleka, ukuba uya kuxolela i-pun, ukusebenzisa i-punitive. Oku kunokuba kubi ukuba utsalo-mali luba lihlwempu kodwa, lisetyenziswe kutyalo-mali oluchanekileyo, ngelixabiso elifanelekileyo, kunye nemigangatho elungileyo, inokuvumela umntu ngaphandle kwenetha elikhulu ukufumana ukuqokelela ngokukhawuleza kwezibonelelo, ukulawula Isiseko esikhulu sempahla engaphezulu kunokuba angenakho ukufumana.
Iimpahla ezingabonakaliyo kunye namalungelo - Ngokomntu, ndiyayithanda le klasi ye-asethi xa yenziwe ngokufanelekileyo ngenxa yokuba unokwenza izinto ngaphandle kwomoya ococekileyo oqhubeka ukushicilela imali kuwe. Ipropati ye-Intangible ibandakanya yonke into esuka kwiimpawu zoshishino kunye namalungelo obunikazi kumculo ohlawulelwayo kunye namalungelo okushicilela. Ndiyayithanda kakhulu okokugqibela. Ngaphezulu kwam ubomi bam, iikopi zobungqina bodwa zivelise imali eninzi endikwazi ukuyisebenzisa kwezinye iinjongo, kuquka ukuhlawula imali ekuthengeni amasheya, ukuthatha iholide, okanye ukunikela kwisiseko sentsapho yam osondlo.
Iifama okanye ezinye izinto zokuThengisa iimveliso - Nangona zihlala ziquka indawo yokuhlala, utyalo-mali kwimisebenzi yokuvelisa iimveliso zihluke ngokukodwa ekubeni uvelisa okanye ukhiphe into esuka kumhlaba okanye ubunjani, uhlala uphucula, kwaye uyithengisa into othemba ngayo yinzuzo. Ukuba i-oli ifunyenwe kwilizwe lakho, unako ukukhipha kwaye uthabathe imali. Ukuba ukhula ngqolowa, ungayithengisa, ukwandisa imali yakho yonke ixesha eliphumelelayo. Ingozi ibaluleke kakhulu - imozulu engalunganga, iintlekele, kunye neminye imingeni kwaye inokubangela ukuba abantu bangene phantsi ngokutshala imali kule klasi ye-asethi - kodwa kunjalo, nokuba ngumvuzo.
Isinyathelo Esilandelayo Ekuqaliseni Indlela Yokusebenzisa Imali Yakho Ngaba Ukukhetha Indlela Ofuna Ukuzifumana Ngayo Impahla
Emva kokuba uhleli kwiklasi ye-asethi ofuna ukuyifumana, wena emva kokugqiba ukuba uza kuba njani. Ukuze siqonde kakuhle le ngongoma, makhe sijonge ukulingana kwamashishini. Ukuba unqwenela ukuba ufuna isigxina kwibhiziniselwano elirhweba esidlangalaleni, ngaba ufuna igalelo ngokucacileyo okanye ngesakhiwo esihlangeneyo?
Ubunikazi obuchanekileyo - Ukuba ukhetha ubunikazi obunobulungisa, uza kuthenga amashishini ezinkampani ngokuthe ngqo ukuze ubabone kwindawo ethile kwibhalansi yakho okanye ibhalansi yeziko olilawulayo. Kukho zonke iintlobo zerhafu nezindlela zokucwangcisa ongayisebenzisayo ngokwenza ngale ndlela, kubandakanywa ukunyuka kwezinto ezifunyenwe kakhulu kunye nokulahlekelwa kweentlawulo ezilahlekileyo zerhafu ezithile ukwenzela ukunciphisa i-bite esathathwa yi-Federal, i-state, kwaye oorhulumente basekuhlaleni xa ufuna ukunyusa imali. Ingcipheko yinto ebiza kakhulu kwaye iyanengqiqo xa uvuka kuma-six-figures, ngokuqhelekileyo ama-250,000, i-$ 500,000 okanye ngaphezulu. Oku akunakwenzeka ukuba abatshali-mali abaninzi baqale ngaphandle kokuba bafumana imvula enkulu ngandlela-thile.
Ubunikazi obuhlanganisiweyo - Uxuba imali yakho nabanye abantu kwaye uthenge ubunikazi ngokusebenzisa isakhiwo okanye isakhiwo esabelana ngaso. Ngokomzekelo, kwinqaku elibizwa ngokuba yi-Mutual Fund Eyilungiselelwe , ndakuhamba ngesikhokelo sesixokelelwano esiqhelekileyo esivulekileyo. Abanye abatyalo- mali abatyalileyo batyala imali kwi-hedge funds . Kubalimi abancinci, abatyali-mali, izinto ezinjengeengxowa -mali ezithengiselana ngemali kunye neenkcukacha zenkxaso-mali zenza ukuba kube lula ukuthenga iipotifoliyo ezahlukahlukeneyo kumaxabiso angabizi kakhulu kunokuba zikwazi ukuzithengela zona. Ukuphazamiseka kukulahlekelwa ngokupheleleyo kolawulo. Ukuba utyalomayo kwinto efana ne-S & P 500 yengxowa-mali, engekho nje ngokunyanisekileyo njengoko abatyali-mali abathile bekholelwa kodwa, endaweni yoko, belawulwa ngumbutho owenza utshintsho lweendlela ngexesha elifanelekileyo, uhlala kunye ukukhwela, ukugqithisa izigqibo zakho kwiqela elincinci labantu abanamandla okutshintsha isabelo sakho. Kananjalo unomngcipheko weengeniso ezifakwe kwi-intanethi ezingenayo ingxaki ukuza kuthi, kodwa, ukuba inkcazo enkulu iyakwazi ukuguqulwa kwemali, njengokuba ezininzi izicwangciso zokutyalo-mali ekugqibeleni zinokubakho ngexesha elidlulileyo, lithetha uzinamathele ngenye yeerhafu yerhafu .
Isinyathelo sesithathu Ekuqaliseni Indlela yokuTyala imali iCinga apho Ufuna ukuBamba iiAfa
Emva kokuba ugqibe indlela ofuna ukuyifumana ngayo i-asethi yakho yotyalo-mali, ngokulandelayo, kufuneka unqume indlela ofuna ukuyibamba ngayo loo maxabiso. Oku kunokuba nemiphumo emikhulu, ngamanye amaxesha iziphumo ezitshintsha ubomi kwintsapho yakho, kuquka nabantwana bakho, abazukulu, kunye nezinye izindlalifa. Ukucwangciswa okucokisekileyo, ekuqaleni, kunokuthetha iziphumo ezizuzisa kakhulu emva koko. Umzekeliso oqaqambileyo nguWalton Enterprises, LLC, eyona nkampani yabucala yabantwana be-Sam Walton. Ngokwenza ukuba amalungu akhe entsapho atyalole kunye kunye nequmrhu elidibeneyo , wenza ngokufanelekileyo u-80% wobutyebi bakhe kubantwana bakhe ngaphandle kokujongana nentlawulo yezindlu. Ngaloo ndlela, wahlula ubunini bezinto ezaba yiWal-Mart Stores, Inc. kubantwana, bebambe ngequmrhu elilawulayo, babuyele xa inkampani yayinanto encinci kwixabiso elithelekiswa naloo nto ekugqibeleni yaba ngayo. Wayekwazi ukuhlula ulawulo kumdla wezoqoqosho, obangela ukuba usapho lwaseWalton lube lude kakhulu, lucebile kunokuba lube lunjalo.
Izigqibo ozenzayo ngolunye usuku ziza kubaluleka. Xa usenza utyalo-mali, uyayibamba njani?
Akhawunti Ehlawulwayo - Ukuba ukhetha i-akhawunti ehlawulisiweyo, njenge- akhawunti ye-brokerage , uza kuhlawula irhafu endleleni kodwa imali yakho ayinakunqanda. Ungayichitha kuyo yonke into oyifunayo, nangona kunjalo, ufuna. Unako ukuyifumana yonke into kwaye uthenge indlu yaselwandle. Unokongeza ngaphezu kokufunayo kunyaka ngamnye, ngaphandle komda. Yiyona nto ephezulu ekuguquguquleleni kodwa kufuneka unike uMalume uSun wakhe.
AmaHlathi eRhafu - Ukuba utyalole izinto ezifana ne- 401 (k) icebo emsebenzini kunye / okanye iRoth IRA ngokwayo, kukho ukukhuselwa kweempahla ezininzi kunye neenzuzo zerhafu. Ezinye izicwangciso zokuthatha umhlala-phantsi kunye neengxelo zinokukhuselwa okungenamkhawulo, ukuthetha ukuba unobungozi okanye unomnye umcimbi osusa ibhalansi yakho , unokuhamba kunye ne-capital investment yakho iyancedisa kuwe ngaphaya kofikeleleko lwababolekisi. Abanye banemiqathango ekukhuselweni kweempahla ezinikezelweyo kodwa bafikelela kwiimpawu ezixhenxe. Abanye bathetha ukuhlawulwa kweerhafu, ngokubhekiselele ukuba ufumana ukuncitshiswa kweerhafu ngeli xesha ubeka inkunzi kwi-akhawunti ukuba ukhethe utyalo-mali kwaye uhlawule irhafu kwixesha elizayo, ngokuphindaphindiweyo eminyaka emva koko, ukuvumela unyaka emva komhla wokukhula kwentela. Abanye bangenanto yerhafu, oku kuthetha ukuba uya kubakhokhela ngeerhafu zerhafu kodwa awuyi kuhlawulwa irhafu kwintlawulo yotyalo-mali eyenziwa ngaphakathi kwe-akhawunti okanye kwiimali xa usuhoxisa imali kamva ebomini, ngaphandle kokuba uhlangabezana neemfuno zokufaneleka. Ukucwangciswa kwentlawulo efanelekileyo, ingakumbi ekuqaleni kwenkqubo yakho, kunokuthetha ubutyebi obuthe xaxa ngaphantsi kweendlela njengoko iinzuzo zizibandakanya.
Iinkonzo okanye ezinye iindlela zokuKhusela iimpahla - Enye indlela yokubamba utyalo-mali lwakho ngamaziko okanye izakhiwo ezinjengeemali zetrasti . Njengoko ufunde kwiNgxowa-mali yeTrust? , kukho izicwangciso ezinkulu zokukhusela kunye nokukhuselwa kweempahla zokusebenzisa iindlela ezizodwa zobunini, ngakumbi ukuba ufuna ukukhawulela indlela inkunzi yakho isetyenziswa ngayo ngandlela-thile. Ngokomzekelo, ukuba uyifumana ipolisi yomshuwalense wobomi, unokufuna ukubiza igama lesikhwama sokubambisa njengomxhamli womgaqo-nkqubo. Oku kuya kubangela ukuhlawula i-inshorensi ukuya kwi-trust. Ndiya kwangoko ukwenza into efana nokukhetha i- trust trust yasebhanki njengomphathiswa osemthethweni esikhundleni sokuba ngumgcini wezintandane zakho ngoku. Oku kufanele kube nzima ngakumbi, ukuba akunakwenzeka, ukuba umgcini ukuba ahluthe ubuncwane obenzelwe umntwana wakho; ibali oyiva ngokugqithiseleyo kakhulu kwiibonda ezicwangcisiweyo zezemali. Ewe, iifizi zotyalo-mali ziya kuphakama kakhulu kodwa ukuwela emva kweemarike akuyona nto ebalulekileyo. Enyanisweni, kukuphazamiseka. Ukuba unokholo olulula kunye ne-$ 500,000 okanye kunjalo kuyo, akukho zidingo eziyinkimbinkimbi, kwaye ulindele ukuba uza kutshabalaliswa malunga nokuba elishumi emva kokufa kwakho, mna, ngokwam, ndingacinga ukuba ndikhangele kwiSebe lethemba likaVanguard. Imirhumo efanelekileyo i-1.57% ngonyaka ngokulinganisa kwam. Oko ufumanayo, yinto enhle kakhulu. Andicingi ukuba ilungele ukuba abatyalo-mali abatyebi okanye abatyali-zimali ngamagunya athile kodwa ngaphandle koko, ufumana umsebenzi.
Ukuba unamashishini amaninzi okanye utyalo-mali, ungase ufune ukuthetha nommeli wakho ngokumisela inkampani ebambeleleyo.
Umzekelo Wendlela Umtyalo-mali omtsha unokuqalisa ngayo ukuTyala
Ngesikhokelo sendlela, makhe sijonge indlela umtyalo-mali omtsha angaqala ngayo ukutshala imali.
Okokuqala, ecinga ukuba akaqeshwanga, inqanaba elifanelekileyo lezenzo liza kubhalisela i- 401 (k) , 403 (b) , okanye ezinye izicwangciso zomhlalaphantsi ezixhaswe ngumqeshi ngokukhawuleza. Uninzi lwabaqeshi linikeza uhlobo oluthile lwemali ehambelana nomda othile. Kunengqiqo ukuxhamla oku. Umzekelo, ukuba umqeshi wakho unika umdlalo we-100% kwi-3% yokuqala yomvuzo, kwaye ufumana i-$ 50,000 ngonyaka, oku kuthetha kwi-$ 1,500 yokuqala oye wayigcina kwi-paycheck yakho kwaye ufake i-akhawunti yakho yomhlalaphantsi, umqeshi wakho uya kukunika isipho i-$ 1,500 eyongezelelweyo kwimali yerhafu engenayo inkokhelo. Nangona konke okwenzayo kukupaka kwinto efana ne- value value fund , yinto ephezulu kakhulu, ekhuselekileyo, ngokuphindaphindiweyo ngokuphindaphindiweyo ongayifumana naphi na kwimakethe yemasheya. Ukushiya imali ehambelanayo neefom etafileni phantse kukho impazamo enkulu.
Emva koko, ecinga ukuba wawela phantsi kweemfuno zeemfuno zokufaneleka , umtyalomali uya kufuna ukuxhaswa iRoth IRA ukuya kumlinganiselo ophezulu wokunikela . Leyo yi-5,500 yama-dollar kumntu oneminyaka engama-50 ubudala, kunye ne-$ 6,500 kumntu oneminyaka engaphezu kwama-50 ubudala (i-$ 5,500 yegalelo yomnikelo + we-$ 1,000 yokubambisana). Ukuba utshatile, kwiimeko ezininzi, unako ukuhlawula i-Roth IRA yakho nganye.
Emva kokuba le nto yenziwe, inkqubo efanelekileyo yokutyalo-mali yayiza kubandakanya ukwakha uluhlu lweemali zokugcina imali kuquka nokugcinwa kwemali yengxakeko. Uninzi lwabatyalo-mali abanamava abanakho ukuhlonipha imali. Akuthethi ukuba ube utyalo-mali, njengoko ufunde ekulondolozeni kunye noTyalo-mali . Yingakho kubalulekile ukuba usebenze ukuze ube nolondolozo olwaneleyo phambi kokuba ucinge ngokungongeza iimali-mali ezongezelelweyo. Ukufumana ulwazi oluthe xaxa malunga nokuba kufuneka ulondoloze kangakanani , funda ixabiso elingakanani kufuneka ndilondoloze . Kwinqaku edibeneyo, kufuneka ufunde kwakhona Ingakanani imali kufuneka ndiyigcine kwiPortfolio yam? . Khumbula ukuba imali ayiyiyo kuphela i-asethi yeqhinga, inokunciphisa ukungabi nantoni kwaye, ngexesha leemeko zenzalo eziqhelekileyo, zibonelela ngemveliso efanelekileyo.
Xa oku kugqityiwe, mhlawumbi ufuna ukuqala ukusebenza ekuhlawuleni lonke ityala lakho. Ukuhlawula ityala lakho lekhadi lesikweletu. Sula ityala lakho lomboleko. Ukuba ufuna ukukhusela ngokukhawuleza, hlawula imali yakho yokuthenga imali. Akuyonto engacinganga. EUnited States, 1 kwabangu-3 abaninikhaya abanalo i penny malunga nendlu yabo.
Emva kokuba kwenziwe, uyafuna ukubuyela kwi-401 yakho (k) kwaye uhlawule imali esele ngaphaya komlinganiselo ohambelana nawe sele uxhaswe ngemali kwaye nayiphi na umyinge ovumelekileyo ukuba uyisebenzise loo nyaka.
Ekugqibeleni, uya kuqala ukufaka utyalo-mali ohlawulisiweyo kwi-akhawunti yakho yomrhweba, mhlawumbi uthathe inxaxheba kwisicwangciso esithe ngqo sokuthengwa kwamasheya , ukufumana indawo yokuhlala kunye nokuxhasa amanye amathuba.
Ukwenziwe ngokuchanekileyo malunga nomsebenzi omude, kunye notyalo-mali lulawulwa ngokuqinileyo, bekuya kuba nzima ukuvelisa imathematika kunokuthi uthathe umhlalaphantsi ukhululekile kunomsebenzi oqhelekileyo. Kuphela nje uhlobo lokuhlanganiswa.
Abanye abatsha-mali abatsha bafuna ukucinga ngokuqeshisa umCwangcisi wezeMali, oPhezulu loLawulo lweeMpahla, okanye ezinye iiNgcali
Ukuba udinga uncedo, unokucinga ukuba wenza ntoni abatshali-mali abaninzi kwaye basebenze nomcebisi-mali obhalisiweyo , umcwangcisi wezemali okanye omnye uqeqesho. Ukufumana okulungileyo kuwe kunokuba yilingo kunye nephutha kodwa ubuhlobo obalulekileyo ngoko kufuneka uyifumane. Ngelishwa, abaqeqeshi abaninzi abayi kusebenza nabalimi abancinci. Kuzwakala kungalunganga kodwa kukho izizathu zalo, endiyakwazi ukufakazela kumava. (Kamva kulo nyaka, mna nomyeni wam sisungula inkampani yokulawula i-asethi yehlabathi.) Ndacacisa into ethile ngolu hlobo lwangemva. ngenxa yokuba sicwangcisa ukubeka imali yethu encinci kwi-500,000 yeedola. I-firm, esiyibiza ngokuthi iKennon-Green & Co., iya kunikezela ngeengxelo ezilawulwa ngabanye abagcinwe ngumntu wesithathu okhethwa ngumthengi. Sizimisele ukuyila, ukwakha, ukubeka esweni, nokugcina iipotifoliyo kubaxhasi kunye nokucwangcisa malunga nezigqibo zokwabiwa kwesabelo kwizinto ezimbalwa zamagunya ezenza utyalo-mali lukhethwe ngokunyanisekileyo. Nangona ndizama ukufumana indlela yokunciphisa ubuncinane obucwangcisiweyo kwii-250,000 zamaRandi, kunzima kuba Kulula kakhulu ukujongana nemali emininzi yemali. Iphuzu kukuba, akusikho umnqweno wokungabandakanyi ngenxa yeso sizathu nje ngokuba sisigqibo soshishino se pragmatic. kwiminyaka ezayo a yindlela yokulawula iinqwelo ze-akhawunti ezincinci.)
Amanye amaqela olawulo lwee-asethi azama ukuhla "emakethe", njengoko yaziwa, ukunikezela abathengi nge-$ 50,000 kwiiposfoliyo zabo. Abangenayo abatsha kulo mkhakha nguVanguard, owafaka ithawula ekuzameni ukuncintisana nempahla ekhethiweyo phakathi kwabacebileyo, aphuhlise ixabiso lawo elincinci lokutshala imali kwizinga langoku (ukusuka kwi-$ 500,000 ngaphambili) kwaye ilahle imali yokucebisa ukuya kwi-0.30% iimirhumo kunye neendleko zengxowa-mali esezantsi kubaphathi bemali. Ngokwenene, umcebisi weVanguard, owathi, ngokutsho komnye umthombo unikwe iifowuni xa ubiza okokuqala, kukunceda ukhethe ulwabiwo lweefa ngokusebenzisa izisombululo zeteknoloji ezenza i-automation ininzi yokuphakamisa.
UCharles Schwab unenkonzo enomntu okhethekileyo kwi-akhawunti ye-akhawunti elawulwayo yobulungisa kunye nobuncinci bentengo ye-100,000 yeeRhafu kunye neentlawulo eziqala ngo-1.35%. Oku kubeka phakathi kwexabiso elincinci kumashishini kuloo nqanaba lentengo kulolu hlobo lweenkonzo, ngokukodwa xa uthelekisa kuzo iinkampani eziphambili zolawulo lwezithili. Ngokukodwa, ngo-Apreli 30, 2016, ishedyuli yentlawulo echaziweyo yile ndlela ilandelayo:
- Ngaphantsi kwama-$ 500,000: 1.35% 1
- $ 500,000- $ 1,000,000: 1.33%
- $ 1,000,001- $ 2,000,000: 1.30%
- $ 2,000,001- $ 5,000,000: 1.25%
- $ 5,000,001- $ 10,000,000: 1.10%
- Ngaphezu kwe-10,000,000,000: 1.05%
Imali esekelwe kwi-asethi ifaka iifizi zokulawula kunye neentengiso zeShawb. Ayigubungeli (i) iindleko ezithile okanye iintlawulo ezibekwe ngabantu abathathu, kubandakanywa ukwahlula okungaqhelekanga, iintlawulo ze-American Depositary Receipt, imali yokutshintshiselana, kunye neerhafu zokudlulisa ezigunyaziwe ngumthetho; (ii) iintlawulo zeenkonzo ezizodwa ezikhethwe nguwe, kubandakanywa iifizi zokuhanjiswa kwexesha, iimali zecomputer kunye neentlawulo zokudluliselwa kwefowuni, iifizi zokuhanjiswa kweemviwo kunye neerhafu zokulungiswa kwakhona; (iii) ukuthengiswa kwempahla kunye nokuphawulwa kwemali yokufumana imali yokufumana imali; kunye (iv) nokuqhutyelwa kweentengiselwano kwizibambiso ngabanye abadayisi-mboleki.
Ezinye iifemu ziye zazama ukubizwa ngokuba yi-Robo Advisors, eziyizona zixazululo zesofthiwe ezizenzekelayo zee-1980 zaphinda zaza zaza zaza zaza zaza zaza zikhuphe iintloko zabo ezimbi. (Ukuba awukwazi ukuxelela, andiyena umfana.) Andiyi kutyhala imali yam leyo ndlela, andiyi kutyhala imali yentsapho yam ngale ndlela. Ingacingi ukuba imbali ishintshile kwaye ibeka ubomi bakho bonke kwi-trust yeprogram yesofthiwe, okanye ngokukodwa, imigqa embalwa yekhowudi indibetha njengentlonelo isisithakazelo kwiintlobo ezinokuba luncedo. Iipotfoliyo zemizekelo eyakhiwe enye yeeplato zephotothifoliyo ezizenzekelayo kwaye zabuya ziphakamisa ukunikezwa ngokukhawuleza kwamabhondi angaphandle ngokuthe ngqo okubanjwe ngokubhekiselele kwi-ETFs ethi "ephephile". ukuthatha inxaxheba kwinto enjalo kodwa kukho indala endithetha ngezilumko kunye nemali yabo.Abantu baxosha izinto ezibuqili ngexesha lonke.
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- Isikhokelo soMqalisi wokuTyala imali kwi-Real Estate
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- Isikhokelo soMqalisi kwiSahlulo kunye noTywala lokuTyala
- I-10-Part Part Guide yokuTyala imali yeNgeniso
Ukongezelela, kukho amanqaku angaphezu kwe-1,000 omxholo wam kwi- Investing for Beginners site kunye namawaka amabini ebhokisini lam lijongene nayo yonke into esuka kwi-addane ukuya kwi-esoteric. Ukuba ukhangele into ethile, iimpawu ezifanelekileyo kukuba ndiyibeke ngenye indawo, kwindawo ethile. Ungathumela kwakhona umyalezo kwicandelo lamagqabaza eblogi yam kwaye kukho ithuba lokuba ndiyibone kwaye ndikwazi ukuphendula. Okwangoku, inhlanhla! Ukuqala uhambo lwakho lokutyalomali ngenye yezinto ezinomdla oza kuyenza.