Lezi zindleko Musa ukubonisa kwiStats, kodwa Ziyinyani
Okokuqala, makhe siqwalasele umzekelo. Ekuqaleni konyaka, ufumana ibhonasi kwaye ugqibe ukuyifaka. Emva kokuphanda iinqununu, unquma ukutshala imali kwiimveliso eziphezulu .
Isivuno esiphezulu sinomnyaka ohloniphekileyo, sibuyele i-8%, kodwa i-US Treasury ibe nomnyaka ongcono ngakumbi, ibuye i-20%. Ukwahlukana kwe-12% kuya kuba yindleko yakho.
Ubomi bobubomi, iindleko zithuba lilukhuni olunzulu lokubamba. Ekubeni kunamawaka enqweno yotyalo-mali ongayenzayo, kuya kubakho into onokuyifumana kuyo leyo nto inokubuyisela ukubuyisela okuphezulu kunotyalo-mali oyithandayo. Ikhondo elifanelekileyo, ke, kukugxila ekufumaneni utyalo-mali olulungelelanisa iinjongo zakho zexesha elide kunokuzama ukunciphisa iindleko zithuba.
Xa uthethile oku, kukho ezinye izicelo zehlabathi zangempela zengqondo yendleko abaye bayifaka ukusebenza.
- Qinisekisa ukuba awunayo i-conservative. Nangona iimeko ezikhuselekileyo zibizwa kwiimeko ezininzi, ngokukodwa kwimeko yabasetyalomali abahlala phantsi okanye abo baya kufuna ukusebenzisa imali yabo yotyalo-mali ngenjongo ethile ngexesha elifutshane (bathi, imfuneko yokuhlawula ikholeji ngonyaka ), abatyala-mali abatsha banakho ukufumana ingozi enkulu ekutshintshiseni ukubuyiswa kwexesha elide. Ngenxa yoko, ukuthatha i-conservative yeendlela ekuhambeni phambili - umzekelo, umntu oneminyaka engama-30 ubudala osondeza ininzi yakhe yokugcinwa kwakhe kwiibhonkco-ubonisa ixabiso elidlulileyo kwixesha elide.
- Gcina ukhumbule ukuba iindleko zithuba lixesha lomsebenzi. Ukubambelela kwi-investing engapheliyo kwiinyanga okanye nokuba neminyaka kunokukhokelela kwiindleko zithuba eliphezulu kakhulu, njengokuba isinqununu sokwenza ingeniso ephantsi kwixesha elide.
- Indleko yokutshala imali kufuneka ibonwe ngetensi yeemeko zakho zemali. Ngaba ubuya kuba ngcono xa uhlawula ityala? Ukuba umtyali-mali ufumana isivuno se-6% kwisityalo-mali kodwa uhlawula i-18% ngonyaka ngentshisekelo yekhadi lesikweletu, loo mntu uyayilahleka imali, engayifumani.
- Ekugqibeleni, iindleko zengqesho ziyakwenzeka xa utyalo-mali ngokupheleleyo ugcina ulahlekelwa ithuba lokuba usebenzise amathuba okuhlaselwa kweemarike. Ngo-Agasti-Septemba 2011, umzekelo, i -market-bond bond-market bond lost 12% yexabiso layo. Ngenyanga ezayo, isivuno esiphezulu siphumelele ngokubuyiswa kwe-10%, enye yeyona ntlawulo yenyanga ehamba phambili kuyo yonke ixesha. Umtyalo-mali ongenayo imali eyayiza kusebenza kulo kuhla kwaba nexabiso elinenjongo.
Ngaphantsi
Ixabiso elifanelekileyo akufanele libe lucingisise ngenxa yokuba kunokukukhokelela ekubeni uthathe ingozi ngakumbi kunokuba kufanele ukuba uzame ukubuyela. Ngexesha elifanayo, kulungile ukugcina ingcamango ukugcina engqondweni ukuze ugcine iindleko zithuba kumgangatho ophantsi.