Indlela abaTyalo-mali abanobuGcisa abanokwenza ngayo iNgxowa-mali
Ukufumana iimbuyiselo eziphezulu kunye neengxowa-mali zentlalo yinjongo ininzi lwabatyalo-mali abelana ngalo. Nangona kunjalo ukufumana imbuyiselo ephakamileyo kuya kuba soloko ifuna ukuvuma ingozi enkulu yemarike. Ngoko ke, ngaphambi kokwakha iphothifoliyo yemali-mali , abatyalo-mali kufuneka bachaze injongo yabo yotyala kwaye baqonde ngokupheleleyo ukunyamezela kwabo engozini.
Ngaba iPotifoliyo enobuNgcono kunawe?
Kukho iintlobo ezintathu zentloko yeepotfoliyo: iiphothifoliyo ezinamava, iiphothifoliyo ezilinganisiweyo kunye neeposfoliyo ezigcinayo . Ukukhetha uhlobo olufanelekileyo lwepottoliyo kufana nokukhetha ukukhwela epakini lokuzonwabisa. Impazamo eyona mbi ongayenzayo kukuba ukhethe uhambo olusabisayo kwaye lenze ufune ukuxhuma kuyo ngexesha lokuhamba. Okumangalisa kukuba, into enye malunga nokukhwela kwepaki yokuzonwabisa kukuba ikhuselekile ngokukhululekile kuba ikugcina ungene! Xa kuziwa kutyalo-mali, unako "ukunqumla ukukhwela" ngokuthengisa imali yakho phakathi kweemarike ezantsi. Oku kungonakalisa ngenxa yokuba uthengisa ngamanani aphantsi ngaphambi kokuba ube nethuba "lokugibela" ixabiso lentengo.
Isishwankathelo, kubalulekile ukuba ukhethe uhambo (okanye iphothifoliyo kule meko) ukuba uya kukhululeka ukuhlala kunye nalo lonke uhambo, oko kuthetha ukuba iipotifoliyo zakho zeemali zentsebenzo zizalisekisa injongo yakho yokutshala imali kwaye ufikelele kwindawo oya kuyo.
Nantsi indlela yokubeka isi sikhokelo sokutyalombela ukusebenza:
Ngubani omele atyala imali kwiiNgxowankulu ezikhuselekileyo
Iphothifoliyo enobugwenxa ifanelekile kumtyalo-mali kunye nokunyamezela okuphezulu kunye nexesha elide ngaphezu kweminyaka eyi-10. Isizathu salokhu kukuba iiphothifoliyo ezinobudlova ziquka amasheya angaphezulu kunama-portfoliyo athathileyo kunye nolondolozo.
Ngako oko iiphothifoliyo ezinobundlobongela zivame ukuvelisa ukungazinzi okukhulu (ukuphakama kunye nokuhla kwexabiso lentengo) kunezinye iintlobo zeepotfoliyo.
Abatyali-zimali abanentlonelo bazimisele ukwamukela ixesha lokunyuka kweemarike ezigqithiseleyo (ups and downs in value value) ngenjongo yokufumana ithuba lokufumana inzuzo ephezulu yexabiso lokuphuma kwamanani entengo kwi-marge ebanzi.
Umzekelo Ulwabiwo olunzima ngeCandelo le-Mutual Fund
I-portfolio enobukroti ekwahlukileyo i- Asset Allocation i-85% I-Stock kunye ne-15% eBond. Nasi umzekelo wesikhothifoliyo enobudlova usebenzisa iintlobo ezisisiseko zeemali ezihlangeneyo:
I-30% yesitokhwe esikhulu (i-Index)
15% I -stock-cap stock
I-15% yesitokethi encinane
25% I- External Stock okanye i-Stock Incerging
15% I-Bond ephakathi kwekota
Umgca ongundoqo kukuba kukho enye impazamo enkulu yokwenza nokwakha iipotifoliyo zeemali kunye kunye nokuthenga iimali ezingafanelekanga kwiinjongo zakho kunye nokunyamezela. Umzekelo, ukuba umxube weengxowa-mali zobudlelwane obunzima kakhulu, okanye ukuba ucinga ukuba ungalahleka ubuthongo ebusuku uxhalabisa ukuba i-portfolio yakho yesikhwama sinokuhla kwexabiso, unokufuna ukucinga ukwakha iphothifoliyo elinganisiweyo okanye iphothifoliyo.
Kwakhona, khumbula ukuba ukwakha iipotifoliyo zeemali zentengiso kufana nokukhetha ukukhwela epakini lokuzonwabisa: Ufuna ukukhetha uhambo oya kulonwabisa kwaye enye apho ungafuni ukuphuma khona emva kokujika kokuqala.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.