Indlela yokucoca yonke into ekhoyo yokubuyisela kwiiNgxowa zakho
Esikhundleni sokufuna iimali eziphezulu, ezingasoloko zikhokelela ekusebenzeni phezulu kwixesha elizayo, abatyalo-mali banokulandela iindlela ezinhlanu ezilula zokubuyisela imali. Ngoko ngaphandle kokuqhubeka, zikho iindlela ezintlanu zokuphucula iifotfoliyo.
1. Sebenzisa i-No-Load Funds
Xa kuziwa ekugcineni iindleko ezantsi, kufuneka kuhambe ngaphandle kokuthi imali engekho mthwalo ibhetele kuneemali zokulayisha . Kwaye kuya kusebenza. Kuzo zonke ezinye izinto zilingana, i-fund engayithinteli umthwalo iya kugcina imali engaphezulu kwiifokethi zabatyalomali kunabo abahlawula imithwalo.
Ngokomzekelo, ukuba ingxowa-mali ethile ineklasi enye yesabelo, apho omnye unomthwalo ongaphambili we-5% kwaye enye inxaxheba yeklasini ayinayo imithwalo, kwaye umtyalo-mali unalo u-$ 10,000 ukutyalomali, isikhwama-mthwalo sangaphambili siya kuhlawula i-$ 500 ukuya phambili ukuze ungene kwi-fund. Ngoko ke, nge-fund-load load, utyalomali uqala ukutyalomali nge-$ 9,500. Kodwa umtyalo-mali uza kuqala ukutyalomali kunye nayo yonke i-$ 10,000 kwisikhwama-mthwalo.
2. Sebenzisa i-Index Index
Le ndlela yokukhulisa imbuyekezo ifana nesizathu sesibalo esisodwa: Ngokugcina iindleko eziphantsi, abatyali-mali banokugcina imali emininzi, ngaloo ndlela bavuselele imbuyekezo epheleleyo ngexesha elide.
Kodwa iingenelo zemali yenkcazo ayigcini ngeendleko eziphantsi - ezi mali zilawulwa ngokungathandabuzeki kwaye ziqhekeza into ebizwa ngokuba ngumngcipheko wecandelo lomngcipheko. njenge- S & P 500 Index , ngenxa yezigqibo eziphathekayo zolawulo.
Nabo bonke bahlonipha imali elawulwa ngokusebenzayo, enye yeendlela ezimbalwa zokuba "batshale imarike" kodwa ingozi eyongeziweyo yokuba umphathi wezezimali uza kwenza izigqibo ezibi okanye ukuba nexesha elibi ixesha elide lihlala liyingxenye yokutyalomali ezi mali. Nangona kunjalo, iimali zenkcazo azithwali umngcipheko omnye kumngcipheko, nangona ziza kuba neengcipheko zemarike.
Isishwankathelo, iimali zenkcazo alisoloko zibetha iimali ezilawulwa ngokunyanisekileyo kodwa iindleko zazo eziphantsi kunye neengcipheko ezisezantsi zemarike zenza ukuba zikhethe ngokukhethekileyo ukusebenza komsebenzi wexesha elide.
3. I-Dollar-Cost Cost Umyinge kwiiNkxaso zeMali
I-dollar-cost-average (DCA) isicwangciso sotyalo-mali esisebenzisa ukuthengwa kwezabelo zotyalo-mali rhoqo kunye nexesha. Ixabiso leqhinga le-DCA kukunciphisa iindleko ezipheleleyo kwisabelo ngasinye sotyalo-mali (s). Ukongezelela, ezininzi izicwangciso ze-DCA zisekwa ngokusetyenziswa kwexesha elizenzekelayo. Umzekelo uquka ukuthengwa rhoqo kweemali ezihlangeneyo kwi-401 (k) icebo. Esi sizenzekelayo sisusa amandla otyalo-mali ukuba enze izigqibo ezingalunganga ngokusekelwe ekuphenduleni kwemizwelo kwiimarike.
Ngamazwi ahlukeneyo, isicwangciso sokuthengwa kwe-DCA asigcini nje ukugcina imali ejikelezayo kutyalo-mali lwakho kodwa ibuye ithengise izabelo kuzo zonke iimarike zentengiso, kubandakanya phantsi kweemarike apho ixabiso lesabelo liwela.
Ngokucacileyo, uya kuthengwa phantsi kwaye uthathe amathuba amaninzi ngokunyuka kwamaxabiso xa i-market ithola kwakhona. Unokumisela i-DCA yakho ngokuseka isicwangciso- mali sokucwangcisa (SIP) kwiqumrhu lakho lokuthengisa umrhwebi okanye inkampani yokuxhasa imali.
4. Thenga iiMpawu eziPhezulu zeMali eziManyeneyo
Abanini-zimali abaninzi bacinga ukuba, ukuba bafuna ukufumana imali ephezulu, kufuneka batyalomali kwiimali eziphezulu zobungozi. Njengoko sele ufunde kweli nqaku, oku kuyenyani nje. Ewe, abatyali-mali kufuneka bazimisele ukuthabatha umngcipheko wokufumana ingeniso engaphezulu kunomyinge kodwa bangayenza ngendlela ehlakaniphile bathengise iindlela ezahlukeneyo zezimali zokutshala imali . Imimiselo yeentlobo zengxowa-mali ezixhatshazo zengxowa-mali zesikhwama esikhulu sokukhutshwa kwemali, iifowuni ze-stock cap kunye ne-cap-stock stock funds. Ukuba ulwahlula kuzo zonke iintlobo ezintathu zeengxowa-mali, kwaye unamathele kwiindleko eziphantsi, imali engekho mthwalo njengoko kuchazwe ngaphambili kweli nqaku, uya kwandisa imilinganiselo ye-market-beating performance phezu kwexesha elide, ngokukodwa ixesha elide kunexesha Iminyaka eyi-10.
5. Ulwabiwo lweeAfa
Njengoko kuthethwe ngentla apha kweli nqaku, abatyali-mali abayidingi ukuxhomekeka kwiingxowa- mali ezidityanisayo zodwa ukuze bakwazi ukufumana ukubuyiswa kwexesha elide. Enyanisweni, ukhetho lotyalo-mali aluyena nxalenye enye echaphazela ukubuyiswa kweepotfoliyo - kubelwe i- asethi . Ngokomzekelo, ukuba unelungelo lokuthenga imali engaphezulu kwe-stock in the first decade yeli khulu leminyaka, ukususela ekuqaleni kuka-2000 ukuya ekupheleni kuka-2009, ukubuyiswa kwakho kweminyaka eli-10 kungekudala kwakungeke kwenzeke ukutshabalalisa i-bond bond bond.
Nangona ama-stocks ngokuqhelekileyo angabikho ngokugqithiseleyo kunye kunye nemali kwixesha elide, ngokukodwa kwiminyaka emithathu okanye ngaphezulu kwexesha, ama-stocks kunye nemali yokuxhasana kwempahla yodwa ingakwazi ukwenza okungaphezu kokubambisana kunye neengxowa-mali zobudlelwane phakathi kwamaxesha angaphantsi kwe-10.
Ngoko ukuba ufuna ukukhulisa iindleko kodwa ugcine umngcipheko wemarike kumanqanaba afanelekileyo, ukwabiwa kweefa ezibandakanya izibophelelo kungaba yinto ehlakaniphile. Ngokomzekelo, masithi ufuna ukutyalomali ixesha eliyiminyaka elishumi kwaye unqwenela ukwandisa ibuyiselo kunye ne-stock exchange funds. Kodwa ufuna ukugcina ingozi yokulahlekelwa inqununu ukuya kwizinga elifanelekileyo. Kule meko unako ukuhlala unogonyamelo kunye nokwabiwa kweengxowa-mali zemali ye-80% kunye nokulinganisela emngciphekweni ngemali ye-bond e-20%
Ukufomula eli nqaku lilonke, iifom zokubambisana ezilungileyo kakhulu ziza kuba zidibanisa ulwabiwo olufanelekileyo olulungele ukunyamezela kwakho umngcipheko kunye neenjongo zakho zotyalo-mali lwexesha elide. Iindlela ezihlanu zokuphucula iifotfoliyo zepotfoliyo zisekondari kulezi njongo.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.