Iindlela zokuNceda ukuphucula iiPortfolio zakho
Iinkcukacha malunga nendlela ozalisekisa ngayo iinjongo nganye ziya kwahluka kwiimeko zakho, ngoko kubalulekile ukuba ufune iingcebiso zengcali yerhafu efanelekileyo kunye nomcebisi-mali.
1. Hlela kwiNjongo ecacileyo kwiNgxowa-mali yakho
Siye sathetha ngale ngcamango ngaphambili kwaye ndide ndize ndichaze izizathu ezintathu zokuba iipotifoliyo zokutshala imali kufuneka zibe neenjongo ezicacileyo . Kufuneka ukwazi ukuba ulindele ntoni kwimali yakho. Ngaphandle koko, uya kuba njengenqanawa engenasiphelo eselwandle; akukho khokelo, akukho njongo. Yiyo imeko ekhohlakeleyo yokuzifumana yona, ngakumbi xa uqala ukusondela kumhlalaphantsi.
2. Gcina i-Investment Investment kwi-Minimum
Njengoko ilizwi lihamba, musa ukuqasha izitokisi, thengisa amashishini. Ukholo luye lwaboniswa ukuba luhambelane nokusebenza kwentsebenzo. Ukuba awufuni ukufumana ibhizinisi ubuncinane ubuncinane iminyaka emihlanu, ungakhange ucinge ukuthenga izabelo ngaphandle kokuba uyaziqonda ngokupheleleyo, kwaye wamukelise ukuba i-short-term stock market isingenangqiqo, inokungahambelani, kwaye ingenangqondo.
Kufuneka ufune ukubamba izinto ezikhula ngakumbi ngaphezu kwexesha, ukuvelisa imali engenayo isabelo ngasinye ngesahlulo sokuhlawula .
3. Gcina iindleko zakho eziphantsi
Yonke idola oyiyekayo kwiimirhumo, iikomishishini zemirhumo, iintlawulo zokuthengisa, kunye neendleko zokuxhaswa kweendleko ze-fund kunye nedola engenakunyanzela.
Into ebonakala ngathi yincinci yemali minyaka yonke ingaphelela kukubiza ikhulu lamawaka, okanye iidola, iidola kwizinto ezilahlekileyo ezingenakuze zibuye.
4. Ukwakhiwa kweeNkxaso zeTyalo-mali zakho kwiNkqubo yokuThengiswa kweRhafu
Ezi zimbini zendawo zokuhlala zentlawulo zentlawulo yotyalo-mali ezisezantsi nakwizinga eliphakathi e-United States yiRoth IRA kunye ne- 401 (k) . Zomibini zinemithetho ekhethekileyo, imingcele yemigangatho , kunye neenzuzo zerhafu, kodwa ziyakwazi ukuba zizuze ngokukodwa xa uziphatha ngokuchanekileyo. I-401 (k) icebo likuvumela ukuba utyalomali kwiintlobo ezahlukeneyo zeemali, kunye nokuba nantoni na ukufaka kuyo inqunywe kwingeniso yakho engenayo. I-Roth IRA isebenza ngokutsha; Imali ihlawuliswa phambili, kodwa ke akukho zerhafu kwiingeniso ezinkulu, izabelo okanye umdla xa uthatha umhlalaphantsi. Ukuze ubone indlela oku kuza kusebenza ngayo kwihlabathi lenene, cinga ukuba uneminyaka eyi-18 ubudala. Uzibeka ngokukhawuleza i-R500 I-R500 I-RRA i-RRA kwaye utyalomali imali imali engama-8% yonyaka ukubuyela emva kokuguqula iminyaka engama-65. Xa uthatha umhlalaphantsi, uya kuba neentloni ze-$ 2.5 yezigidi kwi-akhawunti yakho.
5. Ungalokothi uhlawule ngeAset
Akukho nto ihamba kuyo: Ixabiso liphambili kwiimbuyekezo ekugqibeleni uzuze kwi-portfolio yakho. Ndibhalile imizekelo yehlabathi yangempela kule minyaka edluleyo isebenzisa iWal-Mart Stores njengomzekelo wendlela abatyali-mali abanokuthi bangabi nantoni yokunyaniseka kunyaka omnye, baze baxineke ngokukrakra okulandelayo.
Awukwazi ukuthenga isitoreji ngexabiso eliphantsi lokufumana isivuno kwaye ulindele ukwenza kakuhle ngaphandle kokuba yimeko ejikelezayo ejikelezayo, okanye ukuqala ngezinga eliphezulu lokukhula.
6. Musa ukuxhomekeka kwiNgxowa-mali enye, okanye i-Handful Investment
Akukho sizathu sokuba kufuneka ube nemali eninzi kwisitokethi esisodwa. Ukuba ukhangele iimpahla eziphezulu ze- blue chip ezihlawula izivuno ze-3%, kutheni uthembele kwikampani enye? Unokufumana lula iinkampani ezili-12 ezineempawu ezifanayo, ezahlukahlukeneyo kwicandelo, kwicandelo, kwicandelo lolawulo, nakwilizwe. Iphothifoliyo ephumelelayo yinto apho umnini angaphathanga khona ukuba inkampani enye iya kuphazamisa okanye igawule igalelo layo. Ngokuqinisekileyo, awuyithandi ukuyibona, kodwa izinto zimele ziqhubeke ziqhubekela phambili njengoko imali ifika kwikota emva kwekota, unyaka emva konyaka.