Iindleko zokutshintshwa kweeNgcaciso zingaphawula njani iziphumo zakho zokutshala imali
IiKomishoni kunye neMali
Iindleko eziqhekezayo ngokungaqhelekanga ziinkomishishini zemirhumo kunye nemirhumo. Ngombulelo, ngokuza kwe-broker isaphulelo, indleko yokuthenga nokuthengisa izibambiso kuye kwacuthwa ngokudlulileyo kwiminyaka embalwa edluleyo.
Kwi-Commerce Bancorp, umzekelo, umnini-zimali obeka u-$ 2,500 okanye ngaphantsi kweentengiso ezingekho ngaphezu kwe-1,000 share of stock uya kuhlawula ikhomishini ye-$ 29.95 ukuba ubeka i-order order online. Ukuba, ngakolunye uhlangothi, uvula ukubiza i-bhanki kwaye ube nomrhwebi enze i-yorhwebo, uya kuhlawula i-$ 31 kunye ne-1.50% yexabiso eliyinhloko lentlawulo-mali eyi-68.50. Ukuba unesidola esilungileyo sithengisa isicwangciso esiphezulu kwenyanga, ukuba imali eyongezelelweyo yekhomishini eyi-38.55 iyakongeza ngaphezu kwama-462.60 ngemali. Ukucinga ukuba izinga lokubaluleka kwexesha elide kwiimali lihlala lilishumi elinamabini eepesenti, ngaphaya kweeminyaka engamashumi amane eza kufikelela kwii-354,856 zamaxabiso ngobutyebi obungaphambili!
Imirhumo yolawulo lwe-Asset ingaba sisithintelo esikhulu nakakhulu sokwakha isityebi sexesha elide. Amafemu amaninzi agxininisa abathengi abaphezulu abahlawulelwayo baya kuhlawula iirhafu ze-1.5% zeempahla. Intsapho enexabiso lemali eyi-10 yezigidi, phantsi kwelo hlobo lulungiselelo, liza kuhlawula i-$ 150,000 ngonyaka ngemirhumo nokuba ngaba ilahlekelwe yimali kutyalo-mali.
Olu hlobo lulungiselelo alubonakali lufanelekileyo. Kweemeko ezithile, ezifana nokucwangciswa kwezindlu, amathemba kunye nokulawula isiseko, nangona kunjalo, intlawulo ibonelelwe ngeenkonzo ezibonelelwe.
Ukusasazeka
Xa kuthengiswa okanye kuthengisa utyalo-mali, ipesenteji yenqununu-mali ityunjwe kwi-market maker.
Olu lwabiwo-mali lusasazeka (okt, umehluko) phakathi kwexabiso lentengiso (oko kuthengwa kukulungele ukuhlawula) kunye nexabiso lokubuza (oko umthengisi ekulungele ukuwamkela). Njengaxabiso elizayo elizayo lee-commissions ze-brokerage, oku kungalinganiswa nobuncwane obuphambili.
Intlawulo yeNgeniso yeMali
Into eyingqayizivele ngerhafu yexabiso eliyinkunzi kukuba umtyalo-mali ukhululekile ukugqiba xa i-bill yerhafu iza kuza ngenxa yokuthengisa iimali zakhe eziqinisekisiwe. Unyaka ngamnye ohamba ngaphandle kokuthengisa, ixabiso leerhafu ezichasayo ziba zikhulu . Ngokomzekelo: uthathe u-Adam Smith uneengxenye ezi-1 zamaGreen Gables Industries athe wathenga kwi-35 engamawaka ngesabelo ngasinye kwiminyaka emine edlulileyo. Namhlanje, isitokhwe sithengisa i-$ 50 ngesabelo ngasinye. Ixabiso elipheleleyo lempahla yakhe yi-$ 35,000, apho i-$ 15,000 i-earnings capital (i-$ 50 yentengo-i-$ 35 iindleko = i-15 yezibonelelo zentengo nganye x benefit x 1,000 shares = $ 15,000 inzuzo enkulu). Ukuba wayethengisa isitokisi, ngaphezu kweemali ezihlawulwe njengee-commissions zemali kunye nokusabalala ezithathwe ngumenzi wemarike, kuya kufuneka ahlawule i-$ 3,000 kwiirhafu zentengo.
Oku kuthetha ukuba ngoku unayo imali engama-3,000 engaphantsi kwezinto ezisetyenziswayo, ezifumana inzuzo yakhe. Ngako oko, bekuya kuba yingqiqo ukutshintsha imali-mali ukuba uAdam wayekholelwa ukuba 1.) I-Green Gables Industries yayigqityiweyo, okanye 2.) yafumanisa umrhumo wokutsalwa kotyalo-mali okhangeleyo ophezulu.
Ngesi sizathu, uBenjamin Graham uncetyisa abatyali-mali ukuba batshintshe izikhundla xa baqiniseke ukuba utyalo-mali oluthile lunomsebenzi ongamashumi amabini okanye amathathu kwi-intente. Lo mgaqo, nangona kunjalo ungabalulekanga, kufuneka uncede uqinisekise ukuba iindleko zokuxhatshazwa zigqityiwe kwaye umnini-mali uhlawule ngokwaneleyo ukulungiselela ixesha kunye nemigudu efunekayo yokufumanisa utyalo-mali kwaye wenze utshintsho.
Iindleko ze-Frictional kwi-Mutual Funds
Iindleko ze-Frictional, kubandakanywa iifizi zolawulo kunye nemithwalo yokuthengisa, isizathu esiyintloko sokulawulwa kweemali ngokubanzi asizange siphumelele abafana babo abangalawulwayo njengemali yenkcazo kwixesha elide. Ukuze i-fund elawulwe ngokunyanisekileyo ukuba iphule nje kunye nemarike, kuya kufuneka ifumane imbuyekezo ephezulu ngamanani eepesenti amaninzi ukuhlawula iindleko zokuxhatshazwa.
Oku kubongwa ngokunyanisekileyo kwiintlawulo zentlawulo ezingenakusebenza kwiinkcazo zemali , ngenxa yokuba ziyinxalenye yeempahla ezingalawulwayo ezinokuthi zingatshintshintshi utshintsho, ayifuni ukuthengiswa rhoqo kweziqinisekiso.
Olunye ulwazi malunga nokuThengiswa kweShishini
Ukuze ufunde ngakumbi, funda isikhokelo sethu kwiimpahla zokuthengisa . Kuya kuchaza ezinye zezinto ezisiseko zokuthengiswa kwempahla, iimfumba kunye nokunye okuninzi.