Iimali eziPhambili zokuKhula ukuThengwa

Indlela Yokuthatha Iingenelo zoKhuseleko lweMpahla yokuThengwa kweMpahla

Imali engcono yokukhula ingasetyenziselwa utyalo-mali olude okanye ukugcina ngexesha elifanelekileyo lomjikelo .

Kodwa ngaphambi kokuba abatyali-mali bathethe imali yokukhula, kubalulekile ukuqonda uhlobo kunye neenzuzo zale moto ethandwayo yotyalo-mali.

Nakhu okufuneka ukwazi malunga nemali yokukhula kwaye yiyiphi enye eyona nto ifanelekileyo kwiinjongo zakho zophuhliso:

IiNgxowa zoKhula Iingcaciso kunye neSitatimende soTyalo-mali

Iimali zokukhula zixhaswa ngemali okanye i-exchange-exchange finance (ETFs) ezithatha iimali ezikhulayo, eziyimpahla yeenkampani ezilindeleke ukuba zikhule ngokukhawuleza ngokumalunga nokuthengiswa kwemasheya.

Indlela efanelekileyo yokuqonda amasheya okukhula kunye neengxowa-mali ezithengayo kuzo ukuqonda umahluko phakathi kokukhula kunye nexabiso lokutyala imali . Ukuba utyalomali kwimigodi yokukhula, uthengisa amasheya ezinkampani ezikwisigaba sokwanda kweshishini. Ngethuba lesigaba, inkampani yokukhula ikhula ngemali (kunye nethemba layo lentengo) ngenqanaba elikhawulezayo kunezinye iindigaba, ezifana nesigaba sokuqala kunye nesigaba sokukhula. Ngexesha lokukhula, ezininzi iinkampani zibuyisela inzuzo kwinkampani, kunokuba zihlawule igalelo kubanikazi abanini-zimali, njengesiqephu sokukhula, esiqhelekileyo samasheya enani.

Umzekelo wesikhokelo sokukhula yi- Amazon (AMZN), kanti umzekelo wexabiso lempahla nguJohnson & Johnson (JNJ). Zombini iinkampani ezinkulu; nangona kunjalo, i-AMZN isacacile kwisigaba sokukhula somjikelezo wobomi bayo. Isebenzisa ininzi yayo inzuzo yokuvuselela ekukhuliseni inkampani, kanti i-JNJ isigaba esiphelileyo kwaye inokwabelana ngeenzuzo zayo kunye nabanini-nxaxheba ngefom izahlulo.

Ixesha Eligqibeleleyo lokuTyala imali kwiNgxowa-mali

Iimali zengxowa-mali kunye ne-ETFs zijoliswe ukuba zibe lixesha elide (ubuncinane ubuneminyaka engama-3 kodwa ngaphezulu ngokubalulekayo kweminyaka engama-10). Ngaloo nto ithe, ukukhula kweemali ngokuqhelekileyo kwimiba yokugqibela yemali kwisigxina sokugqibela somjikelo wezoqoqosho, okanye ixesha ngaphambi kokuqala kwemali.

Esi sihlandlo sithuba siba ngumnyaka omnye okanye ngaphezulu. Ngokomzekelo, ixabiso lokukhula kwemali kunye ne-S & P 500 ye-2007, unyaka wekhalenda wokugqibela ngaphambi kokuBuyiswa koMkhulu ka-2008. Enyanisweni, ukubuyela kwesikhwama sokukhula okuqhelekileyo kwaphindwe kabini kwe-S & P 500. Iimali zokukhula zibetha i-S & P 500 ngo-2017.

Iimali eziKhezulu zoKhula ukuThengiswa kwabaninzi abatyalo-mali

Ukukhetha isikhwama sokukhula esihle kakhulu ukuthenga kwi-portfoliyo yakho akufani noko kukuthenga iimpahla. Akukho bukhulu bomntu-bufane neento zonke ezikhethiweyo ezisebenza kuwo wonke umntu.

Ngaloo nto engqondweni, kwaye akukho myalelo othile, nalukho uluhlu lwemali yokukhula efanelekileyo yokuqwalasela ngaphambi kokuba wenze ukhetho lwakho lokugqibela:

1. I-Vanguard Growth Index (i- VIGRX ): Ukuba ufuna ukutshala imali kwiindawo ezinkulu zokukhula kwe-US ngexabiso eliphantsi, ngaphandle komthwalo, i-VIGRX yinto ekhethekileyo. Iphothifoliyo ye-VIGRX ine-300 yamagama amakhulu okukhula e-US njenge-AMZN ne- Facebook (FB). Iindleko ziphantsi kwi-0.19 yeepesenti kwaye ubuncinci bokutshala imali ngu-3,000.
2. I-Contrafund yokuthembeka (FCNTX): Ukuba ufuna ukuhamba ngendlela elawulwayo, ungasifumani isikhwama sokubambisana sothutho esingcono kuneCFNTX, ubuncinane kungekhona xa umphathi wezilwanyana uza kwenza uDanoff. I-Danoff, umphathi we-FCNTX ukususela ngo-1990 uye wabona malunga nendawo yonke yezoqoqosho kunye neemeko zentengiso unokuzicingela kwaye usebenze ngokugqithiseleyo kwintsebenzo. Ukubhekiselele, i-FCNTX iyenze ngaphambi kwenkxaso-mboleko enkulu yokukhula kweminyaka eyi-1, 3-, 5- kunye ne-10. Ukuqwalasela ukusebenza okugqwesileyo kunye nokuphathwa kwekhwalithi ephezulu umlinganiselo weendleko ze-0.68 ekhulwini aphantsi. Utyalo-mali obuncinane bokuqala u-$ 2,500.

1. I-Fidelity Select Technology (FSPTX): Abatyalo-mali abafuna umlinganiselo okhulileyo wokukhula kwikhredithi yecandelo baya kufuna ukucwangcisa utyalomali kwelinye lezinto eziphezulu ze-teknoloji njengeFSPTX. Izitokisi zeTech ziqhelekileyo zi-stocks ezikhulayo zokuthenga. Iphothifoliyo ye-FSPTX inamashishini amakhulu e-tech (njenge- Apple (AAPL), i- Alphabet (GOOGL) kunye ne- Nvidia (NVDA). Iindleko ziqikelelwa kwi-0.78 yeepesenti kwaye ubuncinci bokutshala imali ngu-$ 2,500.

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.