Inkcazo kunye neMimiselo yoKhula kunye neNgeniso yeMali
Ngokuhlakanipha, uDave ushiye iifayile kubacebisi kodwa isikhokelo sakho sobambiswano esithembekileyo siya kunika ingqiqo kunye nokuqaphela ukutshala imali kwinjongo yokukhula kunye nenjongo yengeniso.
Yiyiphi imali yokukhula kunye neengeniso?
Inkcazo elula yokukhula kunye nengeniso yinjongo yokutyalo-mali equka utyalo-mali kokukhula kunye nokufumana imali .
Le nto isengqinisiso ebanzi ngenxa yokuba ukukhula yinjongo enkulu yokutshala imali kunye nenkolelo ingabhekisela kuzo zonke izitokisi okanye amabhondi (okanye zombini). Omnye unokuthetha nokuba iipotifoliyo ezahlukahlukeneyo zengxowa-mali , ezibandakanya iimali ezahlukahlukeneyo kunye neengxowa-mali, zibhekwa njengento yokukhula kunye nenjongo yengeniso.
Izitokisi zokukhula ziyimfihlo yeenkampani ezinokukwazi ukukhulisa umvuzo wazo ngokukhawuleza kunokuba yinkampani ephakathi. Izitoreji zentlawulo ngabo bahlawula amaxabiso aphezulu. Iibhonksi, ezibandakanyiweyo kwicandelo lokufumana ingeniso elibanzi, zifumaneka ngokuqinisekileyo ngokufumana imali yokufumana imali ngenxa yokuhlawula inzala kumtyalo-mali.
ILizwi Lokulumkisa Ukukhula & Imali
Ndiyathanda uDave Ramsey kwaye ndivuyiswa ukuba ndixelele nabani na ukuba ungomnye wezizathu zokuba ndiqalise ukutshala imali kwiimali zentsebenziswano, kwaye okokugqibeleni kwakhokelela ekubeni ndiqale iqela lam isiluleko sotyalo-mali kwaye ndibe ngumkhombandlela wokuxhasa imali.
UDave ulungile ukugcina izinto zilula kakhulu . Isaziso ndigxininisa kakhulu . Esi sizathu esilungileyo: Ngamanye amaxesha ukugcina izinto ezilula kunokunciphisa intsingiselo yegama, ibinzana okanye ingcamango. Andicingi ukuba uDave Ramsey ufuna ukukhohlisa umntu kodwa ngaphezu kokulula, ukhokelo oluqhelekileyo alukude kunye neengcebiso ezithile kwaye kubalulekile ukuba abaphulaphuli bakhe bakuqonde oko.
Ukukhula okuninzi kunye nemali yengeniso ngokufanelekileyo zibandakanya ibinzana elithi "ukukhula kunye neholo" kwigama labo elifanelekileyo lomxhaso. Oku kwenza utyalo-mali lube lula, kunene? Mhlawumbi kulula, kodwa kungengcono . Ngokomzekelo, enye yeyona ndlela ephakamileyo yokukhula kunye nemali yengeniso kwiminyaka yamuva iCalamos Growth & Income (CGIIX). Le ngxowa-mali ayiqukethe izitokhwe kodwa izibophelelo eziguqukayo ; kukho umehluko omkhulu. Omnye umzekelo i-Vanguard Growth & Income (VQNPX), egcina imali kuphela kwiisitokisti (iindawo zokukhula kunye nezitoko zamanani).
Iingcebiso kwiZakhiwo zoPhuhliso kunye noKhula kunye neNgeniso
Andiyi kuyenza iphutha lokuxelela ukuba utyalomali ekukhuleni kunye nemali yengeniso njengoluhlobo lwengxowa-mali kodwa ndiya kukucebisa ukuba ufunde indlela yokwakha iipotifoliyo zeemali kunye kunye nenjongo yokutshala imali ehambelana neemfuno zakho. Akukho nto iphosakeleyo ngokukhula kunye nemali yengeniso kodwa kukho into engalunganga ngokuxelela abaphulaphuli abaninzi ukuba uhlobo oluthile lwemali lufanelekile ukuba ubani athenge kwaye abambe.
Ukongezelela, kukho imali engabonwa ngokukhula kunye nemali engenayo engasoloko ihlelwe njalo. Ngokomzekelo, iifom ze-S & P 500 zeeNkcazo ziza kubamba ngokubambisana intengo yokukhula kunye nexabiso (ingeniso). Ukuba umtyalo-mali usenayo i-fund njengale, kwaye izigidi ziyenzi, azidingi olunye ukhula kunye nengxowa-mali.
Kodwa kukho konke okuthethileyo, kwinqanaba lam apha liqulethe ulwazi oluqhelekileyo olunokuthi lungafanelekanga okanye lungasebenziswanga ngamnye. Ngako oko kubalulekile ukuba abatyali-mali bafumane iimali ezihambelana neenjongo zabo kunye nokunyamezela ingozi kunye nokwenza umsebenzi wabo wesikolo, kunokufunda okanye ukuphulaphula umbono othile. Enye inketho kukuqesha umcebisi onoxanduva lotyalo-mali.