Iindlela ezi-3 ongayenza imali yokutyalomali kwi-Stock

Kukho kuphela Imithombo Engathathi Imithathu Yenzuzo Yenzuzo Yakho Njengomtyalo-mali ongaphandle

Xa uqala ukutshala imali kwisitokisini, kubalulekile ukuqonda ukuba unako ukwenza njani imali ekufumaneni isitokisi; ukuqonda ngokucacileyo indlela ukongezwa kobutyebi kuveliswa ngayo ukuba usukhethile indawo yakho ngobulumko. Nangona kubonakala kunzima, kumbindi walo, kulula.

Masithathe umzuzu ukujonga ukutyalomali kwiisitokisi ukubonisa indlela inkqubo elula ngayo.

Ixabiso elizayo lesitokethi kufuneka lilingane nesantya sezinto ezintathu:

1. Isivuno sokuqala sokuhlawula kwiindleko
2. Ukukhula kwexabiso langaphakathi kwisabelo ngasinye (kwiifama ezininzi, oku kufana nokukhula kwintlawulo yesabelo ngasinye kwisiseko esihlanjululwe ngokupheleleyo )
3. Utshintsho kwixabiso elibhekiselwe kwiimali zenkampani okanye ezinye ii-asethi, ezivame ukulinganiswa nomyinge wexabiso lentlawulo

Yiyo lento. Lezo zimbalwa iindlela ezithatha umntu onika imali kwi-stock anganceda ngezoqoqosho. Unako ukuqokelela igalelo zemali, angabelana ngokukhula ngokulinganayo kwenzalo yesabelo ngasinye, kwaye unako ukufumana ngaphezulu okanye ngaphantsi kwi-$ 1.00 nganye kwinzuzo yenkampani eyenza ngokusekelwe kwinqanaba lokutya (ukwesaba) okanye ithemba (ukuhaha) kwizoqoqosho, okokuqhubela phambili ukuqhuba amanqaku amaninzi, awaziwa ngokuba ngumlinganiselo wexabiso lentlawulo .

Kwezinye iinkampani, ezifana ne-AT & T, iqela lokuqala ( isivuno sabelo-mali) sininzi. Kwabanye, njengeMicrosoft kwiminyaka yokuqala engama-20, akusiyo yokuba yonke inzuzo ivela kwiqendu lesibini (ukukhula kwindleko yangaphakathi kwisabelo ngokuxutywa ngokugcwele) njengoko isistim esikhulu sakhula saba ngamawaka ezigidi zeedola ngenzuzo engenayo ngonyaka.

Ngamaxesha onke, isahlulo sesithathu, uhlalutyo oluninzi, luyahlengahlengiswa kodwa luye lwaba ngama-14.5x ngemali kwiminyaka edlulileyo engama-200 okanye iminyaka e-United States. Okokuthi, imarike sele ikulungele ukuhlawula i-$ 14.50 kuyo yonke i-1.00 yeeRhafu kwinzuzo engenayo ifom edalayo.

Ukusebenzisa ezi zikhokelo ezintathu zeProjekthi zeMbuyekezo ezizayo kwi-Investment Investments yakho

Khawucinge ukuba ufuna ukutshala imali kwi-standmon lemeade ene-eyodwa (1) isabelo sesitoko esiphezulu.

Ummeli wommeli umniki unikezela ukukuthengisa le ngxenye yesitokisi . Isabelo sakho sokuqala si-4%. Ibhizinisi likhula ngo-10% ngonyaka. Ubambe isabelo iminyaka engama-25 kwaye wandise inkampani ngaphambi kokuyithengisa.

Ixabiso lembali kumvuzo wokufumana imali kwimarike yemasheya ngu-14.10. Xa ndiqala ukubhala eli nqaku, i-S & P 500 yaxabiswa ngomhla we-14.07.

Kuloo ma xabiso, ndicinga ukuba kukho ubungqina obuninzi bokuthi umtyalo-mali uthenge kwaye ephethe i -index index-cost cost njenge-S & P 500 kwiminyaka engama-25 + ezayo kunye nokubuyisela zonke izabelo zineziphumo ezintle zokufumana imbali yembali ) izinga lokubuyela kwi-capital% ye-7% yenziwe rhoqo ngonyaka. Ngokwegunya lokuthenga, loo nto yayiza kuguqula yonke i-R10 000 imali engama-54.2274 phambi kweerhafu, ezingenakho ukuhlawulwa xa ubambe iibhanki zakho ngeakhawunti eneentlawulo ezifana neRoth 401 (k) okanye i- Roth IRA .

Ngaphezulu kweminyaka engama-50 ezayo, utyalo-mali olufanayo lwe-R10 000 lungakhula ibe ngama-294,570 ayi-real, ngokwemali yokunyuka kwamaxabiso . Lo ngumntu oneminyaka engama-30 ubudala okanye umfazi wokupaka kuze kube yilapho eyi- Warren Buffett ubudala.

Umiselwe ngenye indlela, ukuba unomtyalo-mali oneminyaka engama-30 kwaye ubeka i-$ 100,000 kwi- S & P 500 yengxowa-mali ye-akhawunti ngokusebenzisa i-akhawunti eneentlawulo-ntle, unesibhozo esihle kakhulu ekuthengeni amandla angalingana no-3,000,000 kwixesha xa u-Warren. Unyaka kaBuffett ngaphandle kokugcina enye ipenny .

Le yindlela efanelekileyo yokusebenzisa imali yakho

Ukujonga i-stock investment investment yakho yindlela efanelekileyo yokulawula ubutyebi bakho. Naluphi na ucinga ukufumana ubunikazi kwishishini - yintoni oyenzayo xa uthengela isabelo sesitokisi kwinkampani - kufuneka uthabathe iqela lephepha okanye uphawu lwekhadi kwaye ubhale phantsi zonke izixhobo ezintathu, kunye nezicwangciso zakho kubo.

Umzekelo, ukuba ucinga ngokuthenga amasheya esitokweni kwi-Kampani ye-ABC, kufuneka uthethe into ecaleni kwimiqolo ethi, " Isabelo sam sokuqala kwisivuno ngama-3.5%, ndivelisa ukukhula kwangomso kumvuzo ngamnye ngesabelo se-7% ngonyaka, kwaye ndicinga ukuba inani lexabiso le-25x elifumanayo isitoktho njengamanje liya kuqhubeka. "

Ukukubona ephepheni, ukuba unamava, uya kubona ukuba kukho iphoso.

Ininzi ye-25x yesitokhi ekhula nge-7% ngonyaka kwihlabathi lanamhlanje isityebi kakhulu. Isitokisi siphezulu kakhulu, kwimeko elula yokulungiswa kwe-PEG . Ingaba izinga lokukhula kufuneka liphakanyiswe, okanye inani elilinganiselwayo lifuna ukuvumelwano. Xa ubhekene nekhanda lakho lokucinga, kwaye ulungelelanise ekuqaleni, unokulinda ngokubhekiselele ekuthembekeni okungekho mthethweni okusoloko kukhokelela ekulahlekelweni kwemarike yemasheya kumtyalo-mali omtsha.

* Ukuphindaphindwa kwemilinganiselo, okanye ukuveliswa kwezivuno ezingenanto, zihlala zifaniswa nokuthiwa "ingeniso engozini," okuye kwagqalwa kuthathwa njenge- United States .

I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela, okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.