Kwabanye abatyalo-mali, inkolelo yabo kwinkcazo-mali yokutshala imali iqhubela phambili, iphantse ifana nenkolo kubo, ixelele nabani na ozimisele ukuphulaphula ukuthenga iimali zeenkcukacha kuze kubekho iinkomo eziza ekhaya. Kwabanye, balala bhetele ngobusuku bezazi iphothifoliyo yabo iququzelelwe ngamashishini ngamnye aphando ngokubanzi kunye nokhetho olukhethiweyo. Kukho ingxolo eninzi ngaphandle apho, kwaye kukukunceda uqonde yonke imilayezo eyahlukileyo oyifunayo, ndacinga ukuba ndiza kukunika umboniso omfutshane wezinye zeenzuzo kunye nezithintelo zesikolo ngasinye.
Ukutshala imali kwiiShishini
Xa uthengisa izabelo zesitishi kumashishini ngamnye, uba ngumnikazi wenkampani. Oko kuthetha ukuba ufanele ufumane isabelo esilinganisiweyo seenzuzo okanye ilahleko ngokuxhomekeka kwimpumelelo yamava oshishino.
Ngokomzekelo, masithi uMbutho weMcDonald uzuze imali engama-4,551,000,000 emva kweerhafu kwinzuzo, kwaye iBhodi yabaLawuli yenkampani inquma ukuthumela i-$ 2,465,300,000 yile mbuyiselo kwi-stockholders yenkampani ngendlela yesahlulelo semali .
Ngenxa yokuba kukho ama-1,010,368,852 amasheya ahlukileyo, oku kusebenza kwi $ 2.44 ngesabelo ngasinye. Ukuba unamasheya ayi-1,000, ufumane i-$ 2,440 ngemali. Ukuba unayo izabelo eziyi-1,000,000, ufumane i-$ 2,440,000 ngemali.
Abatyalomali abathengayo ubunikazi kwiinkampani eziphumeleleyo kwixesha elidlulileyo baye bathuma kakhulu. Khawucinge nje ukuba waba ngumnikazi weMicrosoft, iGoogle, iBerkshire Hathaway , iCoca-Cola, i-Nike, i-eBay, i-Target, i-Disney, okanye i-American Express xa yayincinane.
Njengoko inzuzo yabo yakhula, uzuze ngokusekelwe kubunini obunabo bonke. Enyanisweni, utyalo-mali lwama-$ 10,000 eWal-Mart xa inkampani yokuqala ikhuphe isitoreli kubarhwebi abangaphandle, ngoku ikhulile ibe ngaphezu kwe-10,000,000,000 ngee-dividends ezibuyisiwe!
Ngakolunye uhlangothi, iinkampani ziyahluleka. Ngamanye amaxesha, i-atrophy ngokukhawuleza njengabenzi bezimoto zaseMelika. Kwezinye izihlandlo, ziphela ngokuphazamiseka okuphazamisayo, njenge-Enron. Ukuba unesitokisi kule nkampani, izabelo zakho zingenanto, njengokuba unompheki wendawo yokubhaka owawufanele uvale iingcango zawo.
Utyalo-mali kwi-Index Fund
Xa uthengisa inkcazo yesikhwama, uyithengisa ngokukodwa ibhaskiti yeempahla ezenzelwe ukulandelela inkcazo ethile, njengeDow Jones Industrial Average okanye i- S & P 500 . Ngokwenyani, abatyali-mali abathengisa izabelo zeengxowa-mali zeengxowa-mali zesitokethi kwiininzi, amakhulu, okanye amawaka eenkampani ezahlukeneyo ngokuthe ngqo.
Umntu ofaka imali kwisalathiso uthi, "Ndiyazi ukuba ndiya kuphinda ndilahleke iWal-Mart kunye neMcdonald yehlabathi, kodwa ndiya kuphesela kwakhona i-Enron kunye ne-Worldcom yehlabathi. ukuba ngumnikazi wecandelo. Injongo yam kuphela ukufumana izinga elifanelekileyo lokubuyisela kwimali, ukuze likhule ngaphezu kwexesha.
Andifuni ukuba ndifunde iingxelo zonyaka kunye nee- 10K , kwaye ngokuqinisekileyo andifuni ukuqonda i-finance ephezulu kunye nokuphendula. "
Ukuthetha ngesitatimende, ama-50% esitokisini kufuneka abe ngaphantsi komlinganiselo kwaye ama-50% esitokisini kufuneka abe ngaphezu komyinge. Yingakho abaninzi abatyali-mali beengxowa-mali banomdla kakhulu malunga neengxowa-mali zokuxhasa imali. Akudingeki ukuba bachithe ngaphezu kweeyure ezimbalwa ngonyaka ngamnye bejonga iiphothifoliyo zabo. Nangona isitya-mali-mali kwiinkampani ngamnye kufuneka aziqhelane nebhizinisi lenkampani, ingxelo yalo yengeniso , ibhalansi , ukulinganiswa kwemali, isicwangciso, ukuphathwa kunye nokunye.
Nangona kuphela wena kunye nomcwangcisi wezemali ofanelekileyo unokugqiba ukuba yiyiphi indlela efanelekileyo kunye neyona nto ifanelekileyo kwiimeko zakho, njengomgaqo-jikelele, utyalo-mali lwengxowa-mali lube ngcono kunokuba utyalole kwiimpahla ezizimeleyo ngenxa yokuba kugcina iindleko eziphantsi, kususa isidingo sokuqhubeka ufunda iingeniso iingxelo ezivela kwiinkampani, kwaye ngokuqinisekileyo ziphumo ekubeni "ngumyinge", okhethwa kakhulu ukulahlekelwa yimali yakho eyimali ebutyalo-mali obubi.