Abatyalomali bazama ukwenza ezi ziNkohlakalo ezifanayo
Enyanisweni, kwezinye iimeko, umtyalo-mali unokuqhubeka nokuwenza iphutha elifanayo ngokuphindaphindiweyo, xa bengayifunanga kwiiphoso zabo zangaphambili.
Mhlawumbi unamava athile ngokuthe ngqo kwimeko enjalo.
Iindaba ezilungileyo kukuba ezininzi zezi mpazamo zingagwenywa kuphela ngokuqaphela. Siza kujonga iiphene eziqhelekileyo apha, kwaye zichonge iindlela zokuba unakho ukuyeka ukuphaphaka (okanye ubenokuguqula).
Ukuthenga amaShishini kwiShishini ongaziqondi
Ngokubanzi abatyali-mali batyhola kwi-intanethi "eshushu" okanye kwishishini elivakalayo. Ingazi kakhulu, okanye akukho nto, malunga nekhnoloji, okanye i-biotech, okanye ishishini elithile iqela elingaphantsi libandakanya ngaphakathi.
Ngokuqinisekileyo, oko akubavimbeli ukuba bazame ukugxila kwizinto abazilindele ukuba zibe ngumzila ozayo ozuzayo. Kule meko, umtyalo-mali ukhangele zonke iingenelo kunye neenzuzo abaza kuba nazo ngaphezu kootyalo-mali abangakwaziyo malunga noshishino ngokwalo.
Xa uqonda ibhiziniselwano, unelungelo lokuzakhela ngokwemvelo kunabanye abatyalo-mali.
Ngokomzekelo, ukuba uqhuba ivenkile yokudlela uza kuba kunye namashishini abandakanyekayo nevenkile yokutyela.
Uza kubona kwakhona isandla sokuqala (nangaphambi kokuba babe nolwazi loluntu) nemikhwa yabathathi. Ngokongezwa uya kukwazi ukuba i-shishini likhula, liphuculwa, okanye lipholisa, phambi kokuba ininzi lwabatyalo-mali.
Ukuthatha imeko yethu ngokuqhubekayo, ngokubona iindalo kumashishini apho usebenza khona, kufuneka ukwazi ukufumana amanye amathuba okwenza izigqibo ezinkulu zokutshala imali . Ulwazi lwesandla sokuqala, kubonakala ngathi, lithetha intsingiselo yotyalo-mali (okanye ukuphepha ukulahlekelwa).
Xa utyalomali kwinkampani "engaphezu kwebakala lakho lokuhlawula," unokungayiqondi ubuqili kunye nobunzima boshishino ngokubhekiselele kuwo. Oku akuthethi ukuba kufuneka ube ngummbibi wegolide ukutyhala kwiinkampani zegolide zegesi, okanye ugqirha ogqirha ukuba atyalole kwiinkonzo zempilo, kodwa ngokuqinisekileyo akunakulimaza!
Naliphi na ixesha onokufumana inzuzo engalunganga kuninzi lwabatyalomali, kufuneka ucinezele ukuba uncedo ngokubanzi. Ukuba ungummeli, unokwenza ngcono ngokungazi ukuba uza kutyala nini kumashishini athengisa imali yabo ngemali. Ukuba unogqirha, uya kuba nokuqonda kangcono malunga nendlela (okanye ngokungafanelekileyo) i-robot yokuhlinzwa eyenza umsebenzi wabo, kwaye ngenxa yoko unakho umkhondo wangaphakathi malunga nokuba isitokisi esingaphantsi singenza njani.
Ukulindela kakhulu kwiStock
Oku kuyinyani ngokukodwa xa ubhekana namasheya eepeni . Uninzi lwabantu baphatha ama-stocks axabiso eliphantsi njengamathikithi e-lottery, kwaye balindele ukuba banokuguqula i-$ 500 okanye i-$ 2000 kwi-fortune encinci.
Ngokuqinisekileyo, oku ngezinye iindawo kunokunyaniseka, kodwa akusiyo ingqondo efanelekileyo ukuba ube nayo xa ufumana utyalo-mali. Kufuneka uqikelele into oya kulindela ekusebenzeni kwezabelo, nangona ukuba iinombolo ezinjalo zixhamla kwaye zingadluli kunamanqanaba e-sky-in-sky of which you can trust.
Khangela ukusebenza kwesitokisi kude kube yile ngongoma. Kwakhona, jonga zonke ezinye iimali-mali ezikhuphisanayo kumashishini afanayo. Ngokomlando, utyalo-mali oluthile lufumene i-5% okanye i-10% ngonyaka, okanye ngaba loo nto isondeleyo kumakhulu eepesenti? Ingaba ezininzi iinkampani zoshishini zibona izabelo zazo zihamba nge-1% ngexesha, okanye ngaba ziqhelekile ukuba zixhamle ngamashumi eepesenti?
Ngokusekelwe kwintsebenzo yangaphambili, ngelixa kungengabonakali kwinto enokuza kuyo, unokufumana ingcamango yokunyanzeliswa kwemisebenzi kunye nezohwebo zoshishino eziphantsi.
Ngokuqhelekileyo, isitokhwe siya kuqhubeka nokusebenza ngokukodwa njengoko kudala, kwaye ngokuqhelekileyo kuya kuba ngumgca wecandelo jikelele.
Ukusebenzisa Imali Akunakunciphisa Ubungozi
Uya kuphefumlelwa xa ubona indlela eyahlukileyo ngayo indlela yokuthengisa yakho xa usebenzisa imali ongenakukwazi ukuyibeka engozini . Iimvakalelo zakho ziphakama, inqanaba lakho lokunyamezela lihamba uphahla, kwaye wenza ukuthenga nokuthengisa izigqibo ongeke wenziwe.
Isaga somdala saseJapan sithi, "ekugqibeleni uza kulahla yonke idola oyigqithayo." Akufanele uze uzibeke kwindawo ephantsi kwengcinezelo apho ubeka imali emgceni oyifunayo kwezinye izizathu.
Ingcinga yokuqala kukutyalwa kuphela kwizabelo ezicetywayo 'ngemali engozi.' Nangona kunjalo, sinokuyithatha inyathelo elongezelelweyo, kwaye ucebise ukuba awusebenzise ngisho nemali yangempela xa uqala. Cinga ngoRhwebo lweZibrari, olungenanto engozini, kwaye alufuneki nayiphi na imali. Emva koko, xa ufumana kakuhle kwiPhepha loThengiso, unokufuduka ukuya ekuthengiseni imali yangempela.
Xa utyalomali ngemali onokuyibeka engozini, uya kwenza izigqibo zokuthengisa ezikhululekile. Ngokuqhelekileyo, uya kuba nempumelelo eninzi kunye neentengiso zakho, ezingayi kuqhutywa yimvakalelo emibi okanye ukwesaba.
Ukuqhutywa Ngomonde
Sinokuthintela kwiimvakalelo ezahlukileyo onokuzenza xa utyalomali, kodwa enye yezona zinto zixabisa kakhulu. Khumbula ukuba izitokhwe zizahlula ishishini elithile - amashishini asebenza ngokuthe ngcembe kunokuba abaninzi bethu banqwenela ukubona, okanye nokuba baninzi kulindeleke.
Xa ulawulo luvela ngesicwangciso esitsha, kunokuthabatha iinyanga ezininzi, ukuba kungekhona iminyaka emininzi, kwindlela entsha yokuqalisa ukudlala. Ngokubanzi abatyali-mali baya kuthenga amasheya esitokisini , kwaye ngokukhawuleza balindele ukuba izabelo zisebenze ngentshisekelo yazo.
Le nto iyayikungaziboni ixesha elide elingakumbi phantsi kweenkampani. Ngokubanzi, amasheya aza kuthatha ixesha elide ukuba enze uhambo olulindelekileyo okanye ulindele. Xa abantu beqala ukubandakanyeka ngezabelo zenkampani, akufanele bavumele ukungapheliyo kufikeleleke kubo ... okanye isikhwama sabo!
Ukufunda Ngeentengo zokuTyala imali kwiindawo ezimbi
Le ngongoma ebaluleke kakhulu. Akukho nqongophala yoloo kuthiwa yiingcali ezikulungele ukukuxelela izimvo zabo, ngelixa zipakishwa kwaye zibonisa ukuba zifundiswa kwaye zikwazi ukuhlala zichanekileyo.
Enye yezona ndawo zibalaseleyo ukutyalo-mali ngokuchanekileyo kukufumanisa kwaye zihlukanise imithombo yesikhokelo esilunceda ngokukhawuleza ukuba uzuze inzuzo. Kuzo zonke iinkcukacha ezilungileyo ezinokuba luncedo, mhlawumbi uya kubona amakhulu enxalenye yezikhokelo ezikhohlakeleyo.
Hlalani nikhumbule ukuba ngenxa yokuba umntu uvela okanye uxoxwa ngabadliwano-ndaba beendaba eziphezulu, akuthethi ukuba bayazi ukuba bathetha ntoni. Kwaye, ngokwenene, nokuba ngaba bane-stellar grasp yesihloko sabo, oko akuthethi ukuba baya kulungile.
Ngaloo ndlela, umsebenzi wakho njengotyalo-mali kukuhlola ukuba yeyiphi imithombo yolwazi kufuneka ithembeke, kwaye ibonise indlela efanelekileyo yokuthembeka. Emva kokuba ufumene loo mntu okanye inkonzo enokukhokelela kwingeniso, kufuneka uhlale uxhomekeke kwiingcamango zabo - badibanise nabo kunye nokunyamekela kwakho kunye nemibono yokwakha izigqibo zakho zokuthengisa.
Ukuba uva malunga nesitokhi samahhala , ngokukodwa isitokisi seepenny , ngokuqinisekileyo iyaqhutywa ngabadlali abanezizathu ezibalulekileyo ezifihlakeleyo. Oku kungenakwenyaniso ukuba uva ngeengcamango zengcali kwizinto ezinjenge-CNBC, kodwa ngokuqinisekileyo kwaye akunakunqununu xa uva malunga ne-recent "ipenki eshushu" eya kuphahla (ngokukratshi ba khuthazi).
Kukho umgca ongapheliyo wokukhuthaza abathengi beefowi ngaphandle. Ukunyaniseka kwabo kukufumana iindlela zokufumana inzuzo kwizenzo zakho ... ulahlekelwa, ukuze bakwazi ukuzuza.
Icala elibi kukuba ukuba bazuze, mhlawumbi kufuneka ulahlekelwe. Utyalo-mali kwizabelo ezicatshulwayo ngokuyinhloko ngumdlalo werhafu, oku kuthetha ukuba umntu enze idola, omnye umntu kufuneka alahlekelwe idola.
Yingakho i-scam abaculi kunye nabakhuthazi bathatha iinjongo ezinjalo ukuqhuba igalelo ezingenanto. Ingaphezulu imali abayifumanayo yokunyusa amaxabiso e-stocks, enkulu inzuzo abaya kuyifumana xa behamba baze bashiye bonke abanye othulini ... baze baqhekeza.
Ukulandela isiKhulu
Kwiimeko ezininzi, uninzi lwabantu luvayo kuphela malunga notyalo-mali xa sele sele luqhuba kakuhle. Ukuba ezinye iintlobo zezitokisi ziphindwe kabini okanye kathathu kwixabiso, iindaba eziqhelekileyo zihlala zikhupha ezo zinto, kwaye zixelele wonke umntu malunga nendlela ezithisayo ngayo izabelo.
Ngelishwa, ngelixesha ukuba amaphephandaba athambekele ekubandakanyekeni ngebali malunga namaqabane aphakama, ngokuqhelekileyo emva kokuba isitokisi sifinyelele kwinqanaba layo. Utyalo-mali lugqithise kakhulu ngeli nqaku, kwaye ukuxhamla kweendaba kuza kumva kumdlalo. Kungakhathaliseki ukuba, ithelevishini, iphephandaba, intanethi, kunye nokusasazwa ngomsakazo kushukumisa i-stocks ukuya phezulu ibe yintsimi engaphezulu.
Siye sabona lo mdlalo udlala nje ngokutsha kunye ne-marijuana yokuzonwabisa. Ezinye zale nkampani ezincinci zazingabasebenzi ababini okanye abathathu kuphela, kodwa oko akuzange kuvimise ukuba baxabiseke kwi-corporate value of about half one billion dollar!
Kwamanye amaxesha, i-old mine engafanelekanga yegolide yegolide yayiza kwongeza 'i-cannabis' okanye 'i-marijuana' egameni lenkampani yabo, kwaye izabelo ziza kuphinda ziphindwe kabini okanye zibe zintathu kwixabiso. Akunakuphi na ukuba abatyala-mali babekhangela kwinkampani enzulu ngokwaneleyo ukuqonda zonke iingxaki; izigidi zezigidi zeedola; akukho mali; izigidi ekulahlekeni okuqhubekayo inyanga nganye.
Ukulinganisela phantsi
Ukulinganisela phantsi kusetyenziswa ngokusomali-mali abaye benza iphosakele kakade, kwaye kufuneka bafihla impazamo yabo. Ngokomzekelo, ukuba bathenga i-stock kwi-3.50 ye-$, kwaye behla kwi $ 1.75, banokwenza loo mpazamo ibonakale ingabalulekanga kakhulu ngokuthenga lonke igalelo elongezelelweyo kule mali entsha, ephantsi.
Isiphumo kukuba ngoku baye bathengisa i-stock kwi-3.50 ye-$, nangaphezulu kwi-1.75 yee-$, ngoko ke inani labo elilinganiselweyo ngalinye isabelo sincinci. Oku kwenza ukulahlekelwa kwabo kwisitokhwe kubonakale kuncinci.
Nangona kunjalo, into eyenzeka ngokwenene kukuba umntu uthenge isitokethi esiye sahlaselwa ngokuxabisa, kwaye ngoku ngoku bayayinisela imali ngakumbi kule shishini elityayo. Yingakho abanye abahlalutyi babonisa ukuba umgangatho osezantsi ukuphosa imali embi emva kokubi.
Ukulinganisa phantsi kusetyenziswa njenge-crutch ukunceda abatyali-mali bafihla impazamo abayenzile. Isicwangciso esiliqili ngakumbi kukumgangatho ophezulu, apho uthenge khona ngaphezulu kwesitokisi xa uqala ukuhamba kwisikhokelo okulindele. Umsebenzi wexabiso lentengo uqinisekisa ukuba wenze ifowuni enhle.
Ukwenza Okumncinci Ukunyamekela
Ukwenza umlinganiselo ofanelekileyo wokunyamekela ngokukhawuleza, ngokukodwa ngamasheya esitokisi esicatshulwa kakhulu kunye neengcipheko, kuthatha umlinganiselo obalulekileyo womsebenzi. Ukunyamekela okufunekayo, ukuphucula iziphumo zakho zophuhliso ziya kuba.
Ukuba ukhangelelanisa zonke izilumkiso kunye nento yonke yenkampani, unganamathuba okumangaliswa nayiphi na isiganeko esichukumisa ishishini. Xa ubona ingozi, kwaye uzive uqinisekile kuzo zonke iinkalo zenkampani apho ukhangele khona, uyindlela yokwenza umsebenzi ofanelekileyo.
Uninzi lwabatyali-mali alufikeleli ngokwenza ngokweenkcitho ngokwaneleyo kwiinkampani abazityala kuyo. Abaninzi abantu bafuna ukufumana inkampani ebonakala ibonakala ingqiqo, kwaye kufuneka ikhulise inzuzo kuba i-industry (under ingqondo yabo) "up-and-coming."
Ngokomzekelo, iinqwelo zombane ziya kuba yinto enkulu ngokukhawuleza, ngoko abantu banokucinga ukuba ukutshala imali kwimoto yemoto yinto efanelekileyo. Ngelishwa, ukuba ngumtyalo-mali othe tye uthabatha ngaphezu kwezinto ezilula, iingqwalasela zomhlaba kunye neengcamango ezingenanto.
Ukuba ucinga nge-turn-of-century, kwakukho iinkampani ezingaphezu kwama-1,900 eMelika. Imoto yayiza kuba yinto ebalulekileyo, ebalulekileyo yokuba asiyi kuba ngaphandle ... kodwa phantse yonke enye yeenkampani eziyi-1,900 yaye yachithwa ngokupheleleyo.
Isiphumo sokuphela kukuba abatshali-mali abaninzi kwiinkampani zemoto ekuqaleni, xa ukwamkelwa kunye nokukhula kwale ngcamango yaqala ukuqala, inxeba yokupheliswa. Olunye ukhuthazo olusisiseko luya kunceda ukuphepha ilahleko.
Utyalo-mali ngokusekelwe kumgaqo owodwa
Uninzi lwabatyalomali abaqapheli ukuba benza oku, kodwa maxesha amaninzi baya kukholelwa ukuba 'okunje kunye' luyilunga elungileyo, ngoko ke intengo yesitokhwe iya kwanda. Ukuba utyalo-mali belilula, sonke siya kuba nobutyebi.
Ewe, unyango lomhlaza ngumqondo omkhulu. Ewe, ukuvelisa umasipala imali engenayo ngokusebenzisa intengiso yentsangu kubonakala kunengqiqo. Ngelishwa, kuthatha into eninzi kunokuba yinto elula yezabelo zokuba utyalo-mali oluhle.
Jonga emva kwengxoxo yethu yangaphambili malunga neenkampani ze-1,900 zeemoto. Inqaku elilula, elilula, elilodwa elifanelekileyo ngakumbi kunanini ngaphambili ... kodwa kummandla wamashishini kubatyalomali, nge-99.9% yemali elahlekile.
Kunoko, khangela iinjongo ezilungileyo, kodwa gxininisa kuphela kwiinkampani eziphezulu zekhwalithi ngaphakathi kuloo ndawo. Bamele babe neenzuzo ezikhulayo, ukwandisa isabelo semarike, kunye neenkampani zokuphatha eziqinisekisiweyo, njengama-stocks we-penny apha apha.
Iingcamango zoTyalo-mali ngokuSishwankathelo
Ngokufanelekileyo, awuyi kwenza ezininzi ezininzi kwezi mpazamo eziqhelekileyo. Nangona kunjalo, inyaniso yolu mbandela kukuba uninzi lwabatyala-mali, kwiimeko ezininzi, ziya kuhlala zibuyela emva kokwenza ezinye iimpazamo esiye saxoxa ngazo kwinqaku elingentla.
Ngenhlanhla, ungasebenzisa ilahleko zakho kunye neempazamo ukuze ufunde indlela yokuziphepha ngexesha elizayo. Enyanisweni, abaninzi abantu bafunda okungakumbi kwilahleko zabo kunokuba benza ngokuzuza kwabo.
Ukunikezelwa ixesha elaneleyo, kunye nenani elaneleyo lokuhweba, uza kuba kwindawo ephezulu (nangaphezulu). Ngokufanelekileyo, uya kuqulunqa iimpazamo eziqhelekileyo ngokukhawuleza ukuba usenayo inxalenye enkulu yepottoliyo yakho ngakwesinye icala. Emva koko, ngokuhlakanipha kwakho okuphucukisiwe, kufuneka uqale ukuqokelela ezinye iingeniso!