Ingozi Yakho Yokulungiswa Kwezinga Lokubuyiselwa Kwemali Yakho YezoTyalomali ezahlukileyo
Nangona le nto ngokwayo ayilula ngokulula ukuchaza - akukho mithetho - egxininisekile kwizinga lokubuyisela izinga lokubuyisela kubalulekile ukukhusela ukuba abatyali-zimali abaninzi baya kuba bulumko xa basebenzisa ukuvavanya amathuba ahlukahlukeneyo atholakalayo kubo, ingaba batyala imali engama-401 (k), 403 (b), i-IRA elula, i-SEP-IRA, i-IRA yesintu, i-Roth IRA, i-Roth 401 (k), i- akhawunti ye-brokerage , ukuthenga imoto yokuhlamba okanye ukuqala ishishini elitsha.
I-Concept of Risk-Adjusted Rate of Return
Isiseko esisisiseko emva kokusebenzisa izinga lokubuyisela ukulungiswa kwengozi kukuba awukwazi ukukhangela inzuzo yoluphi na utyalo-mali kwaye ubeka nje ukuba ubekwe phezulu ukuya kweyona nto ephantsi kunomtsalane. Isizathu kukuba kunokwenzeka ukuba "i juice" inzuzo ngokwenza izinto eziyindoda eziyingozi, ezinjengokuthatha amathuba okuba angenakuphumelela, okanye ukusebenzisa amandla amaninzi afana nokuboleka imali eninzi okanye ukurhweba kwiimpahla ngokusekelwe kwimimiselo yeemarike ngokuchasene nexabiso langaphakathi elingaphantsi.
Ngamanye amazwi, ukuba unayo i-$ 10,000 ukutyalomali kunye ne-Potential Investment AAA inikezele nge-10% ngonyaka, okanye inzuzo ye-$ 1,000 ekupheleni kweenyanga ezili-12, kunye ne-Potential Investment FFF inikezele i-40% yentlawulo, okanye i-$ 4,000 inzuzo ekupheleni kweenyanga ezili-12, mhlawumbi uya kuhamba ngethuba lokugqibela. Ukuba uyayazi ke, ukuba u-Investment AAA ube ne-2% kuphela amathuba okulahlekelwa ngokupheleleyo kunye ne-Investment FFF ine-60% ithuba lokulahleka ngokupheleleyo, uhlalutyo lwakho luya kutshintsha.
Kwinqanaba lokubuyisela ukulungiswa kwemingcipheko, kucacile ukuba u-Investment FFF (okumele ukuba mhlawumbi ubizwa ngokuba yi "Fusion Speculation" kuba ayinakubizwa ngokuba ngumtsalo-mali) ayikho amaxesha angama-4 atshaka ngakumbi nangona enika izinga lokubuyisela 4- maxesha aphakamileyo.
Enyanisweni, unikezelwa ngemigaqo esemqoka yobuncwane, u-Investment FFF ayinanto yeengqungquthela eziqilileyo (ukufumanisa ukuba ngaba kunjalo, uthatha inzuzo engenako, kule mali, i-$ 4,000, kwaye uyayandisa ngokubaluleka kokubheja ephuma ukuthanda kwakho, okanye 0.40 kubangelwa i $ 1,600.
Oko kukuthi, i-theoretic most you should be willing to risk in the rate of adjustment rate of return will be $ 1,600, kungekhona i $ 10,000. Ukuba uphuma phambili, iyilungulu, inhlanhla-awuzange uhlakaniphe.)
Ukuze umzekeliso wento ebonakala ngathi ehlabathini lenene, khangela ukuba uphando lwamaxesha endikwenzayo kwi-GT Advanced Technologies. Kwakukho abantu abathile abaye bacacisa kuyo ngokukhululekile balahlekelwa yinto yonke, bagxila kuphela kwisiphumo esona sihle kakhulu kwaye kungekhona kwiimeko ezinobungozi.
Ihluke kumntu ukuya kumntu
Iqondo apho uguqula ixabiso elipheleleyo lokubuyiswa kwamaxabiso ngonyaka (okanye i-CAGR) kwinqanaba lokubuyisela ukutshintsha umngcipheko lixhomekeke ngokupheleleyo kwizibonelelo zakho zemali, ukunyamezela ingozi kunye nokuzimisela kwakho ukubamba isikhundla esanele ngokwaneleyo ukuba imarike ibuyele kumcimbi wenze iphutha. Kwakhona, imeko yakho yerhafu; kuquka neendleko zamathuba , phakathi kwezinye izinto ezichaphazelekayo. Umzekelo, ukuba ukhangele i-interest rate ye-5.5% yerhafu kwi- bond bond kamasipala , kunye nezinga eli-12% kwi-stock-court ye-stock exchange, kodwa ufumene kwi-bracket 35% kubuya, unokwenza isigqibo sokuba inzuzo ye-2.3% eyongeziweyo ayifanelekanga ingozi eyongezelelweyo yokutshala imali kwiimasheya, ngokubhekiselele kumabhondi aphantsi kunye namaxesha aphakathi.
Utyalo-mali olufanayo kumntu owe-0% okanye kwi-15% yeriksi yerhafu, nangona kunjalo, utshintshe iziphumo ukwenzela ukuba isitokhi sinokunikela ngesantya esilungelelaniso sokubuya ngenxa yokuba ihlawulelwa kwizinga eliphezulu.