Iimveliso kunye neNgxowa-mali yokuXhaswa kweeNgxowa-mali zoMhlala-phantsi wakho

Ukuqonda indlela yokusebenzisa imali efanelekileyo yokuthatha umhlalaphantsi

I-fund efanelekileyo isasaza imali yakho kwi-portfoliyo eyahlukeneyo yamasheya kunye nezibophelelo. Ininzi yexesha i-fund ecacileyo iya kuchaza isabelo ezifana ne-60% esitokisini kunye no-40% kunye nokubambelela ngokusondeleyo kulowo lwabiwo. Le ndlela yokwenza umngcipheko ngokuthe ngcipheko inokusebenza kakuhle kulawo angaphantsi komhlalaphantsi.

Iinkonzo zeNgxowa-mali

• Esikhundleni sokuba ukhethe i-stock fund (okanye i-stock stock funds) kunye nekhredithi yebhanki (okanye i-bond bond) ungakwazi ukufumana enye imali ekhethileyo ngokuzenzekelayo i-stock and bond bonds. Inxalenye yesitokhwe iya kuhlukahluka kwiintlobo ezininzi zeempahla. Yindlela ephantsi yokunciphisa imali yakho eyanciphisa amathuba okukhetha isitshixo esingalunganga .

• Iqela lezokuphathwa kweengxowa-mali lijongene nophando kunye nokukhetha utyalo-mali ngaphakathi kwenkxaso-mali. Kananjalo benza konke ukujonga ilanga nosuku nokulungiswa kotyalo-mali. Ngoko ke, akufanele ube yinkcaza kwisitokisi okanye utyalo-mali, kodwa nawe awufanele unqume ukuba ngubani ozakuthengisa okanye uthenge. Kufuneka uthathe isigqibo sokuba ufake imali okanye uthabathe imali ngaphandle kwesikhwama.
• Iimali ezilinganiseleyo zikhulu xa ufumana imali encinci ukutyalo-mali, okanye xa ungaqondi kakuhle ukutshala imali kwaye awukulungele ukuqesha umcebisi wezemali. Imirhumo ehlawulwe ngaphakathi kwingxowa-mali iyaxelwa umlinganiselo weendleko . Awuze ubone iindleko njengoko zithatha ngqo ngaphandle kwexabiso lemali elihlangeneyo. Ngaphambi kokutshala imali kwingxowa-mali sifunde malunga nendlela iindleko zengxowa-mali zisebenza ngayo kwaye ukhethe imali ngeemali eziphantsi.
• Ukuthatha umhlala-phantsi i-fund efanelekileyo kukuvumela ukuba uthathe ikhefu ngokuchanekileyo ngexesha lokulondoloza ulwabiwo-mali olufanelekileyo. Le ndlela inokusebenza kakuhle kwabo banayo i-akhawunti enye yokubakho ukusuka, njengama-100,000 kwi-IRA apho bafuna ukuthatha i-$ 400 ngenyanga.

Ingxowa yeNgxowa-mali

• Ngamanye amaxesha iimali kwi-fund efanelekileyo ziza kuba ziphakamileyo kunokuba ukhetha imali yakho yenkcazo ngenxa yokuba iqela lokulawula iikhwama lenza umsebenzi wokukhetha umxube we-stocks kunye nezibophelelo kunye nokuguqula njengoko kuyimfuneko.
• Kwingxowa-mali efanelekileyo, awukwazi ukhetha ukuba lunjani uhlobo lwama-stocks, njengamazwe ngamazwe, i-cap encinane, i-cap enkulu; okanye luphi uhlobo lweebhondi, ezifana noorhulumente, iinkampani okanye izityalo eziphezulu. Ngokuqinisekileyo, yonke ingongoma yekhredithi elinganiselayo kukuba omnye umntu wenza oko kukhetho lwamaqela asethi kuwe.

• Njengoko ubukhulu bakho beepotfoliyo bukhula buninzi ngexesha lesigxina sakho sokuqokelela, ukuba unotyalo-mali kwiintlobo ezahlukeneyo zee-akhawunti kungenangqiqo ukufumana iintlobo ezithile zokutyalomali, ezifana nezibophelelo, kwi-akhawunti yakho yomhlala-phantsi, xa ufumana iifowuni kwi-non- akhawunti yomhlala-phantsi. Awukwazi ukwenza oku ngekhredithi elinganisiweyo njengoko i-fund efanayo ibenezo zibini kunye neentengiso.
• Kwisigaba sakho sokuthatha umhlalaphantsi ukuba unesayizi enkulu yepottoliyo kunye neentlobo ezininzi ze-akhawunti onokufuna ukusebenzisa i- ladder ladder ukuze inxalenye yesigqeba ye-portfolio yakho igxile kwi-akhawunti nganye kunye nemali yokuhoxiswa oyifunayo kule akhawunti. Ngeke ukwazi ukwenza oku ngekhredithi efanelekileyo.