Xa iNkcazo yeeNgxowa yenza iNgqapheli (kunye neNgcono)
I-Index yeeNgxowa zeeNgxowa ezigqwesileyo kwii-Stock-Cap Stocks
Ukuba uyazi kakuhle i- Hypothesis esebenzayo ye-Market (EMH) , uyazi ukuba ngokuqinisekileyo ithi yonke into eyaziwayo malunga nokugcinwa kweemali, njengemasheya, sele iqhelwe kwixabiso lazo ziqinisekiso.
Ngako-ke akukho mveliso yohlalutyo inokunika umnini-mali umgca phezu kwabanye abatyala-mali. Le yenye yezona zizathu eziphambili zokuba abatyali-mali batyale imali kwiinkcukacha zenkcazo . Nguye "ukuba awukwazi ukubetha 'ukujoyina' em" ifilosofi.
Kodwa kuthekani ukuba ezinye iinkcukacha azikwazanga ngokubanzi kwiindawo ezithile zeemarike njengoko kwezinye iindawo? Ngaba oku akuthethi ukuba ezinye iindawo zemarike zincinci "ezisebenzayo" kunezinye? Ukuba kunjalo, kuya kuba nengqiqo ukusebenzisa i-index index kwiindawo eziyimpumelelo kunye nengxowa elawulwa ngokusebenzayo kwimimandla engaphantsi kwezona ndawo-ezilungileyo zezo zombini ihlabathi, ukuba uya kuthanda.
Awudingi ukuba ngumhlaziyi-stock okanye umphathi wezikhwama zombutho ukuze ukwazi ukuba iinkcukacha malunga nenkampani ezithengiswa esidlangalaleni ziyafumaneka ngokulula, kwaye ngoko ke ziyaziwa ngokubanzi, kunabanye. Ngokomzekelo, uninzi lweendaba zezemali kwi-stock-capital stocks zeenkampani, ezifana neWal-Mart, i-Apple ne-Pfizer. Kodwa kuthekani ngeempahla ezincinci kunye nezitshixo zangaphandle?
Uninzi lwabaphathi beemali zakwa-stock share fund abanakho ukubetha i-S & P 500 Iimali zeekhompyutheni ezininzi kwixesha elide ngenxa yokuba kuninzi ulwazi olufumanekayo kwiinkampani ezinkulu kunamancinci. Ngako oko, kuthatha umgudu ongaphezulu kwindlela yophando kunye neengozi zentengo yemarike ekugqibeleni ukugqithisa i-index indexes.
Oku kwandisa iindleko, okwenza kube nzima nakakhulu ukukhuphisana nemali yexabiso eliphantsi.
Ukuhlanganiswa kweeNgxowa zeeNgxowa ngeeNgxowa-mali ezisebenzayo
Indlela efanelekileyo yokwakha iphothifoliyo kwindlela efanelekileyo kakhulu yokudibanisa ubulumko bokutsalathisa kunye nokutyalomali-mali olusebenzayo kukusebenzisa enye yeyona mali efanelekileyo ye-S & P 500 ye-Index ye-stock allocation kunye neengxowa-mali ezilawulwa ngentsingiselo yesabelo esisele.
Ngokomzekelo, imodeli eyilungileyo yokulandela idilesi yesikhokelo sePoreli kunye neStathala apho i-index index "ingundoqo" malunga no-30 okanye 40% nokwabiwa kwe-40% kunye nokuhlanganiswa kwesitokhwe esincinci, isitoko sangaphandle , i-bond joint bond kunye amanye amacandelo eengxowa-mali ukuze ajikeleze iphothifoliyo. Kule qhinga, uya kuyanelisa inhlonipho yakho kwi-Hypothesis efanelekileyo yeMarike kodwa kunye ne-alter ego yakho efuna ukululalisa ezinye iintlawulo ezongezelelweyo. Okugqwesileyo kwako konke uya kukwazi ukuyeka ukutshintsha imali enkulu ye-stock stock emva kweminyaka embalwa xa beqala ukulahlekelwa kwi-S & P 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.