Inkcazo, imizekelo kunye neendlela zokuKhukhula kunye neNgeniso zeNgxowa-mali
Siza kujonga inkcazo yokukhula kunye nemali yengeniso kwaye nini kwaye kutheni abatyali-mali bangenelwa kuyo.
Ukukhula kunye neNgeniso yeMali yokuThengiswa Inkcazo
Njengoko igama libonisa, ukukhula kunye nenjongo yengeniso yeemali ezidibeneyo kukuhlanganiswa kwamalungu amabini-ukukhula kwesahlulo esinye kunye nenxalenye enye yengeniso.
Iimali zesikhwama se- Growth zinamasheya ezinkampani ezilindeleke ukuba zikhule ngokukhawuleza ngokukhawuleza ngokumalunga ne-stock market. Iimali zemivuzo zifuna ukubonelela umtyalo-mali umthombo wembuyekezo ngenzuzo. Iimali zengxowa-mali zentengo zifana kwaye zihlala ziguquguqukayo ngentsingiselo ne- Value Funds , ezithatyathele ngokuyinhloko kwiimpahla ezityalwa ngumtyalo-zimali ezithengisa ngexabiso elingaphantsi ngokumalunga nemali okanye imali yamanyathelo.
Imizekelo yoKhula kunye neNgeniso yeMali
Kubalulekile ukuqaphela ukuba inxalenye yengeniso yokukhula kunye nenjongo yengeniso ayigcini ngokukhawuleza ukubambezeleka kweengxowa kwiimpahla ezinokwenza imali. Injongo yengeniso yokukhula kunye nengxowa-mali ingenakufezwa ngeempahla ezingenakunikwa, ezifana nezibophelelo.
Ukwenza uphando kunye nokufikelela kulula kubaotyalo-mali, ezininzi iingxowa-mali kunye nokukhula kunye nenjongo yengeniso inegama elithi "ukukhula kunye nengeniso" kwigama elisemthethweni le ngxowa-mali.
Imimandla ephakamileyo kunye neyohlukeneyo yokukhula kunye nemali yengeniso iquka iCalamos Growth & Income (CGIIX), efaka imali kwiibophelelo eziguqulwayo, kunye neVanguard Growth & Income (VQNPX), efaka imali kwimigangatho yokukhula kunye nempahla yexabiso, ngaphandle kokungabikho kwezibophelelo.
Iseluleko kunye neSicwangciso: Iikhwama zoKhula kunye neNgeniso yeeNgxowa aziyiyo iCandelo elifanelekileyo
Ukukhula kwekota kunye neengeniso ziphonswa ngokukhawuleza kwiimveliso zeendaba zemali, kodwa intsingiselo ithambekele ekulahlekeni phakathi kwengxolo.
Ngokomzekelo, xa uva uqobo lwezemali kunye nomsakazo, uDave Ramsey, ukhankanya "ukukhula kunye nemali engenayo" njengengxowa-mali ephakanyisiweyo yesikhwama sokubambisa isikhwama, akaxhomekekanga ukuba i-fund ethile, kodwa kunoko injongo yonke, ukuba ncinane.
Ndiyathanda uDave Ramsey kodwa mhlawumbi indlela enkulu yokutyalomali yokukhula kunye nenzuzo kubalimi abaninzi, abaqalayo kunye nabaphambili, ukufikelela ekuboniseni ukukhula kunye nemali ngenjongo yokutshala imali enye yeyona mali efanelekileyo ye-S & P 500 , eya kubonelela ukukhula kunye neempahla ezixabisekileyo, kunye nekhredithi efanelekileyo , eza kuzalisa kunye nokongeza kwingeniso yengeniso yokukhula kunye nenjongo yengeniso ngelixa kuncedisa ukunciphisa ingozi yemarike kwipotfoliyo.
Kwakhona, abatyali-mali abaninzi sele benemali kunye nenjongo yokukhula kunye nenzuzo yengeniso. Ukongeza imali yokukhula kunye neengxowa-mali engenako kunokubangela ukuba imali enkulu ingabikho , okunciphisa ukuhlukahluka kweepotfoliyo kunye nokwandisa umngcipheko wemakethi.
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.