Ukulawula umngcipheko wotyalo-mali unokukuphepha, ukudibanisa, ukubala okanye ukuqinisekisa
Ukufumana iziphumo ezingcono, kufuneka ufunde indlela yokulawula umngcipheko ngempumelelo. Kukho iindlela ezine eziphambili zokulawula umngcipheko. Indlela efanelekileyo yokulawula umngcipheko kumhlalaphantsi isebenzisa zonke ezine.
Gwema u mngcipheko
Uhlala unenketho yokuphepha umngcipheko wokutshala imali ngokukhetha kuphela ukhuseleko lwentlawulo yomhlala-phantsi oluqinisekileyo.
Ukukhetha ukuphepha umngcipheko ngenye yezigqibo ezintle kunazo zonke ozenzayo ade ufunde izakhono oza kulufuna ukulawula ingozi ngokufanelekileyo.
Ufuna ukuphepha ingozi kwimali onokuyidinga ngesaziso somzuzu. Ngokomzekelo, cinga ukuba ulahlekelwe ngumsebenzi wakho, okanye unomdla wezokwelapha. Ufuna imali ibekelwe eceleni eyi 100%. Abacebisi bezezimali bathi le hlobo le-akhawunti "igcinwe i-asethi" okanye ingxowa-mali engxamisekileyo. Intlawulo ohlawulayo ukuba le mali itholakale ngokukhawuleza kukuba ithola izinga eliphantsi lokubuyela. Leyo yindleko yokhuseleko. Abatyalomali abahlakaniphile bahlala bebeka bucala i-assets storage ngaphambi kokuba bathathe imali kwimali-mali.
Ukuba uthanda ukuthatha ingozi yotyalo-mali , ndiyakubonisa ukuba uphinde uxhumelele ingxowa-mali. Kufuneka ube nenkokhelo ekhoyo ukuze usebenzise amathuba ekuthengwa kwamathuba kwiindawo zokuhlala kunye nezitokisi. Ukwakha imali kungenza ukuhamba kakuhle kuba kukuvumela ukuba usebenze ngokukhawuleza xa kuvela amathuba.
Ukwahlula
Xa utyalo-mali, kufuneka udibanise yonke ingozi onokuyenza. Ngokomzekelo, ukuba unesitokethi esisodwa, ungangcipheko lolawulo olubi lwaloo nkampani. Ukuphepha lo mngcipheko ungahlukana kwiimpahla ezininzi kwilo shishini - ngoku usengaphansi komngcipheko othile wezentengiselwano ekubhekiswe kuyo njengengozi yoshishino.
Ngokomzekelo, kuthekani ukuba imithetho emitsha inefuthe elibi kulo shishino lonke?
Ukudibanisa ngokule mngcipheko ukwakha iphothifoliyo yamasheya kumashishini amaninzi, okanye uthenge iimali zenkxaso-mali njengokuba i-fund efanayo iya kuba neempahla ezinamakhulu. Nangona kunjalo, usengaphansi kwengozi echanekileyo - inkqubo iphela ilahlekile, okanye uqoqosho luphela luye ludlulela ixesha elide. Kakade, indlela yodwa yokuphelisa loo mngcipheko kukuba ubuyele kwikhotho enye, ukuphepha ingozi.
Ukulawula umngcipheko wokutyalomali ngeendlela ezahlukeneyo, kuthiwa, "musa ukubeka onke amaqanda akho ngebhasikidi enye." Indlela yokwazisa ukwenza oku kubizwa ngokuba yi-aseset allocation kwaye uya kubona ibakhuthazwa ngabacebisi abaninzi beemali kunye namaphephancwadi eyaziwayo eemali kunye iincwadi. Ulwahlulo lwentengiso lubalulekile. Ndicebisa ukuba wenze njalo. Ndikwacebisa ukuba uyayiqonda imida yayo.
Ukuchithwa kukuncedisa ukunciphisa umngcipheko wokutshala imali, kodwa kufuneka ukhumbule ukuba iziphumo zexesha elide lotyalo-mali oluhlukeneyo alukude. Unako ukutyalomali ngendlela efanayo kunye nexesha loqoqosho olusakhulayo oluya kukhula njengokhula ngenkathi ukwenza into efana nayo ngexesha lokunciphisa imali kunokukhokelela ekubuyiseni kwexesha elide, okanye kwilahleko.
Yithatha kuphela izingozi ezibalwa
UWarren Buffett uthathwa njengowomnye wezona zimali-zimkhulu kakhulu. Uthi, "Wenza izinto xa amathuba efika. Ndinexesha elithile ebomini bam xa ndifumene isiqunto seengcamango, kwaye ndibe nexesha elide elomileyo. Ukuba ndifumana ingcamango iveki ezayo, ndiya kwenza into. Ukuba akunjalo, andiyi kwenza into embi. "
Le ngongoma emva kokuthatha ingozi ebalwe. Ukwenza oku kufuneka ukwazi xa ungenzi. Kwaye kufuneka ube nenkokhelo ngesandla, ikhefu lekhefu ukwenzela ukuba xa kuvela iingcamango ezilungileyo, unokwenza.
Ukusebenzisa isicwangciso sokuthatha ingozi esabalwayo kuthatha ulwazi, uphando kunye nokuqonda. Akuyona indlela yokuzimela. Kufuneka uqonde indlela yokujonga iimarike ukusuka kwindlela enengqiqo kunye nengqiqo - kungekhona imvakalelo. Kufuneka kwakhona uqonde ama-ratios athile kunye nezikhombisi ongazisebenzisa ukukunceda uhlole iimarike.
Isilinganiselo esisodwa abanye abaqeqeshi bezezimali basebenzisa ukuzama ukujonga ukuba imarike yesitokisi iphezulu okanye ingabalulekanga yintengo kwimilinganiselo yokufumana imali, okanye umlinganiselo we-P / E. Esinye isalathisi se-recessions yi-curve isivuno. Inkqubo yokwenza izigqibo zotyalo-mali isekelwe kwifom efunyenweyo yokuthatha ingozi idlalwa ngokubhekiselele kwi-asset allocation asset.
Qinisekisa isiPhumo
Isicwangciso sokugqibela onokuyiqesha ukulawula umngcipheko wokutyalomali kukuqinisekisa ngokuchasene nayo. Ukuba unomshuwalense wemoto, i-inshorensi yomninikhaya, umshuwalense wezempilo, okanye nayiphi na enye inhlobo yomshuwarensi, sele uqhelene nale ndlela.
Ngeendlela zemveli zomshuwalense, kukho indleko (i-premium ohlawulayo) ukuqinisekisa ukuba ilahleko ezichaziweyo zifakwe. Inshshurensi yokubuyiswa kwemali yotyalo-mali isebenza ngendlela efanayo kwaye idlalwa rhoqo ngokuthengwa kwemali ehlawulwa ingeniso. Ukuhlawula ngokukodwa kukulungele ukulawula umngcipheko wokuthatha umhlalaphantsi wokukhupha imali yakho.
Ngeentlawulo ezithile ezichaseneyo, uhlawuliswa iindleko zonyaka ngokutshintshana ngesiqinisekiso esithile malunga nesixa semali onokuyihoxisa kwixesha elizayo. Ezi ziqinisekiso zisoloko zihamba ngegama elithi "inzuzo yokuxothwa kwexesha lokuphila" okanye "amalungiselelo okurhoxiswa okuqinisekileyo".
Ukusebenzisa ezi ziCwangciso kwiRhafu
Xa usondela kumhlalaphantsi, kukulungele ukusebenzisa inkqubo yolwabiwo oluqesha onke amaqhinga okunciphisa ingozi. Ubeka bucala impahla yokugcina impahla, ulwahlula ubuninzi bepotfolio yakho, uthatha ingozi ebalwe ngokuhlola ukuba bekufuneka kangakanani kwi-stocks kunye nezibophelelo kwaye uqinisekise enye yengeniso yakho ngokusebenzisa iimveliso zonyaka.