Ukwazi ukuba yeyiphi na amacandelo angaphumelela kwimakethe yemasheya enokuthi yenziwe ngendlela efanelekileyo xa uqonda kwaye ugcine izigaba zomjikelo.
Ngenxa yoko, jonga ezinye zezinto ezisiseko zokutyalomali ngemali kunye nokuqhubeka nokufunda ngokubanzi malunga nokutyalomali kwamacandelo.
Funda indlela yokwakha iiphothifoliyo
Ukuhlawula i-marhwebo ngokutyalomali kwiinkcazo zecandelo kunokuvakala ngathi kungengozini okanye kungabikho nxanduva kumhlaba kodwa kungenziwa ngokuhlakanipha. Ukwakha i- potifoliyo ephezulu kakhulu yeengxowa-mali, uhlala uqala ngokunikezelwa kwempahla efanelekileyo ngexesha lakho lokunyamezela nokunyamezela .
Ngokomzekelo, abatyali-mali abanokudinga ukuncedisa ukugcinwa kwabo ngaphantsi kweminyaka eyi-10 kufuneka babe nomxube onokuzithengisa weempahla, izibophelelo kunye nemali, xa kuthelekiswa nomtyalomali oneminyaka engaphezu kwe-10 ukutyalomali. Kwakhona, ukuba unamaxesha onke xa ubona ukuhlawula kwe-akhawunti yakho ye-balance balance, mhlawumbi unokunyamezela ngokunyamezela okuthetha ukuba ulwabiwo lweefa kufuneka lube nolondolozo oluncinci, kungakhathaliseki ukuba lixesha lini ude uhoxise.
Xa ufika kwi-asethi eyabelwe, ulungele ukwakha iphothifoliyo yakho.
Umzekelo omhle kubo abatyali-mali abaninzi ukuba balandele ukwakhiwa kwepottoliyo kuthiwa ngumgaqo - siseko kunye nesatellite . Njengoko igama libonisa, uqala ngundoqo, njengenye yeefom ze- S & P 500 zeeNkcazo ezilungileyo , kwaye uzakhele ngeenxa zonke ngemali. Le yilapho amacandelo aqhutyelwa khona: ayenokuba amanye "ama-satellites" abe yinxalenye yeepotfoliyo eyahlukeneyo.
Utyalo-mali kunye neNgxowa-mali
Iimali zeCandelo zijolise kumashishini athile, injongo yezentlalo okanye icandelo ezifana nokunakekelwa kwezempilo, i-real estate okanye iteknoloji. Injongo yabo yokutyalomali kukubonelela ngokugqithiseleyo kumaqela athile e-industry, abizwa ngamacandelo. Abathengi be-Mutual basebenzisa iimali zecandelo ukwenzela ukwandisa ukunyuka kwamacandelo amashishini abacinga ukuba baya kwenza ngcono kunamanye amacandelo.
Kodwa umtyalo-mali unokukwazi njani ukuba liphi iqela eliza kwenza okulungileyo ngexesha elithile? Kakade, akukho bhola ye-crystal xa kuziwa kutyalo-mali; Akukho mntu uyazi ngokuqinisekileyo okokuthengiswa kwemarike okanye uqoqosho, ngokukodwa ngaphezu kwexesha elifutshane, njengenye imini, inyanga enye okanye omnye unyaka.
Indlela i-Stock Market ehambelana ngayo noTshintsho lweeMali
Ukuqonda umahluko phakathi kweemarike kunye nezoqoqosho kunye neendlela ezinxulumene ngayo nokusebenza kotyalo-mali kunokunceda ukugqiba izicwangciso zokugqiba kwexesha kunye nesakhiwo sepotfolio.
Ngokomzekelo, ngaba uyayazi ukuba imarike yenkomo kwi-stocks iphakame kwaye ingaqala ukuhla phambi kokuba uqoqosho lugqithise? Ngamazwi ahlukeneyo, imarike entsha yeebhere yamasheya ingaqalisa nokuba uqoqosho luqhubeka lukhula, nakuba luhamba ngokukhawuleza. Enyanisweni, ngeli xesha i-Federal Reserve ivakalisa ngokusemthethweni ukutyekela kwemali sele iqalile, kuya kuba yinto elungileyo yokwenza utyhafu kwaye uqale ukubeka ngaphezulu kweedola lakho lotyalo-mali.
Bonke abatyali-mali, ababandakanya abantu, abaphathi beefa, iimali zempesheni, iibhanki, iinkampani zomshuwalense, nje ukubiza ezimbalwa, kunye kunye kunye nefuthe kwizinto ezithandwa kakhulu "njengemarike." Ngokuqinisekileyo imarike ibhekisela kwiimarike ezinkulu , eyimarike yabathengi ukuba bathenge kwaye bathengise ukugcinwa kweemali-mali, ezifana ne-stocks, bonds, kunye nemali-mali.
Xa uva okanye ufunda ngokubhekiselele "koqoqosho" oludla ngokubhekiselele kwinto eyenza inkqubo yezoqoqosho, ebandakanya abathengi, imboni, imibutho, amaziko emali kunye noorhulumente.
Ukukhetha iMigangatho Eyona Mvelaphi Esekelwe kwiSigaba seMigudu yoHlelo
Kwimbono enkulu yomfanekiso, indawo apho iimarike zamasityeji kunye nezoqoqosho zithatha ishishini. Oku kungenxa yezizathu ezininzi kodwa ngokukodwa kubangelwa ukuba ibhizinisi, lithetha yonke into evela kumanini amashishini amancinci kumashishini, ukuqhuba uqoqosho kunye nesizathu sokuba imakethe yemasheya ikhona.
Ngenxa yalesi sizathu, abatyali-mali banokubukela umjikelo weBhishini baze bakhethe amacandelo asekelwe kwimimandla yembali kwiindawo ezihlukeneyo zomjikelezo:
- IsiGaba sokuQala kwiSigaba sokuQala: Uqoqosho luya kuhlaziya ngokukhawuleza ukusuka ekuhlaleni. Ikhredithi iqala ukukhula njengoko umgaqo-nkqubo wezemali unciphisa (amazinga enzala awela), okongeza imali kunye nobutyebi kwizoqoqosho ezibuthathaka. Ngenxa yoko, i-corporate income iyanda kwaye abathengi bayisebenzisa. Amacandelo aphezulu aquka abaxhasi bamashishini kunye neemali.
- Isigaba esiphakathi kweziNqanaba: Esi sihlandlo esona side kakhulu somjikelezo wezoshishino. Uqoqosho luqina ngakumbi kodwa ukukhula kukumodareyitha. Izithabathaba zenzalo zisezantsi zazo kunye neenkampani zemivuzo zisezona ziqinileyo kumjikelezo. Amacandelo aphezulu aquka abashishini, ubuchwepheshe beenkcukacha, kunye nezixhobo ezisisiseko.
- IsiGaba seLate-Cycle: Ukhula loqoqosho luye lucotha kwaye luqala ukubonakala lugqithiseleyo njengoko ukunyuka kwexabiso lokunyuka kwamaxabiso kuphakama phezulu kwaye amanani amasheya aqala ukubonakala ebiza xa kuthelekiswa nemvuzo (jonga umlinganiselo we-S & P 500 Index P / E ). Amacandelo aphezulu kweli nqanaba afaka amandla, izibonelelo, unonophelo lwempilo kunye nomthengi
- Isigaba sokubuyisela: Umsebenzi wezoqoqosho kunye neenzuzo zenkampani ziyancipha kwaye inzala yenzalo iya kunyuka njengoko i-Federal Reserve isebenza ukulwa nokunyuka kwamaxabiso. Amacandelo aphezulu kweli nqanaba aquka amacandelo afanayo aqala ukufumana inxaxheba kwisiGaba seLate-Cycle Phase. Nangona kunjalo, lesi sigaba sisona sifutshane kakhulu (ngokuqhelekileyo singaphantsi konyaka) kwaye ukunyuka kwiinkqubo zeSigaba seSigaba seNkcazo kunokuqwalaselwa.
Khumbula uphinde usetyenzise i-5% yoLawulo lolwabiwo-mali
Imibuzo embalwa isenokuthi ihlale ingqondweni yakho, njengokuba "Ndingakanani na iphothifoliyo endimele ndinike yona kwicandelo ngalinye?" kwaye "Mangaphi amacandelo endifanele ndiwasebenzise?" Umgaqo oqhelekileyo wokulandela awuyi kukwaba ngaphezu kwe-5% kwicandelo ngalinye kwaye ugweme ukuba ngaphezu kwe-20% kwipotifoliyo yakho enikezelwe kumacandelo. Ngoko ke, unokusebenzisa phakathi kwamacandelo amane kunye namane.
Isizathu salokhu kukuba ezinye iifowuni zemali ongayisebenzisa, njengezibonelelo ze-S & P 500 ze-Index, ziza kubonakala kumacandelo ngokunjalo kwaye awufuni i- stock stock fund ayikho , mhlawumbi uya kunqoba enye injongo ephambili yokusebenzisa amacandelo, okwenza ulwahlulo. Utyalo-mali kunye nocwangciso lwezocwangciso akukona nje ukukhulisa imbuyekezo!
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.