Kwabaninzi abatyalo-mali, akusiyo umbuzo weempahla okanye iimali eziphathekayo.
Basebenzisa zombini ukuhlangabezana neenjongo ezahlukeneyo zemali . Uzakufuna ukufumana indawo yakho yokuthuthuzela kwaye wenze izigqibo zakho. Nazi ezinye iipropati zeemali zombini kunye kunye nezitokethi eziza kukuncedisa.
Mutual Funds
Iimali zengxowa-mali zinika ubuncinane iimpawu ezine abafaki-zimali abaninzi bafumana ezikhangayo:
- Management Management
- Ukuchithwa
- Ukhetho
- Ukuzonwabisa
Iimali zoqhagamshelwano ziqesha abaphathi bezakhono ukuba baphathe imisebenzi. Laba baqeqeshi bafumana amava amaninzi kwiminyaka yokukhetha nokuvavanya utyalo mali. Benza konke ukuthenga nokuthengisa izigqibo, kukukhulula kuloo xanduva.
Iimali ezininzi zengxowa-mali zininzi kakhulu kwiindawo zokutshala imali, zithetha ukuba zineempahla ezincinci ukwenzela ukuba ukuba omnye okanye abambalwa abe yizigqibo ezimbi abayi kuchaphazela ngokukodwa ingxowa-mali. Basenokungenisa imali kwiinkampani ezahlukeneyo kunye neenkampani ezahlukeneyo, kuxhomekeke kwingxowa-mali.
Kunzima ukuba abatyalo-mali ngabanye bahluke ngokubanzi.
Kukho amawaka eemali eziphathekayo ezikhethiweyo ukuba zikhethe ukusuka kwiimarike. Unokufumana iifizi ezibandakanya yonke imarike okanye iimali ezincinci ekujoliseni kwazo kunye nento yonke phakathi. Ezinye iimali zijolise kumashishini athile, ngelixa abanye bangabuka kwiimarike zangaphandle.
Iimali zentengiso zihamba kakuhle. Benza ininzi yokugcinwa kwerekhodi kuwe kwaye kukunike iifom ezifunekayo ukufakela irhafu yakho. Ukongezelela, abaninzi banika iinkonzo ezifana nokujonga ukubhala ngokubhekiselele kwingxowa-mali yemakethe yemali kunye nezinye iintsimbi kunye neengcingo.
Ukufumana ulwazi oluthe vetshe, tyelela indawo ye-About Mutual Fund .
Iimpahla zodwa
Izitokisi zomntu ngamnye zinezinye iimpawu abafaki-zimali abazithandayo:
- Akukho Mrhumo
- Eyona ndawo iphezulu
- Ukufakwa Kwezandla
Xa usuhlawule umrhumo wakho wokuthengisa, akukho mali eqhubekayo eneentengiso ezizimeleyo njengokuba zikhona ngeemali. Ezi ntlawulo, ezinokubonakala zincinci (okanye ezinkulu kwezinye iimeko), zikhuphe ukubuyiswa kweengxowa-mali. Xa sibheka ukuhlanganiswa, uza kubona ukuba nepesenti ezincinci zenguqu kwixesha elide zingenza umehluko omkhulu ekubuyeni kwakho.
Isitokisi somntu ngamnye sinokubakho okuphezulu kunokuba kuninzi imali. Ulwahlulo olufunekayo lokugcina iimali ezixhomekeke ekuhlaleni kakhulu lubagxotha. Uthengisa umngcipheko othile wokufumana umvuzo omkhulu.
Abanini-zimali abaninzi banqwenela ukwazi apho imali yabo iya khona kwaye oko kunokuba nzima nakwizikhwama-mali ezithengayo kwiinkampani ezili-100. Ukutshala imali kwisitokethi ngasinye kukunika ithuba lokukwazi inkampani kwaye uzive ukhululekile kunye nalapho imali yakho iya khona.
Igumbi Labo Bobabini
Iimali zengxowa-mali zizithuthi ezinkulu kwiiplani zomhlalaphantsi kwaye uza kuzifumana kwi-401 (k) okanye ezinye izicwangciso zomhlalaphantsi emsebenzini. Basebenza kwakhona kumtyalomali ongenalo ixesha okanye amandla okuqwalasela amasheya.