Indlela Abaqalayo Abaqalayo kunye Neengcali Khetha Iimali Ezingcono
Nangona iimali zengxowa-mali ziphakathi kwezona zinto zifikeleleke kwaye zilula ukulungiselela abatyalo-mali kuwo onke amanqanaba amava, akukho nto enjengokulingana kobukhulu-zonke iingcebiso zotyalo-mali. Yingakho kukho iincwadi ezingenakubalwa kunye newebhusayithi ezinika iingcamango kunye neengcebiso malunga nendlela kunye nendawo yokutshala imali ngayo.
Kule nqaku uza kunikwa imibono epheleleyo kunye neengcamango ezithile, kunye neziqhelana nolunye ulwazi kwi-investment fund. Emva kokufunda eli nqaku unokukwazi ukunquma ukuba ufuna ukusebenzisa umcebisi-mali okanye ukuba ufuna ukwenza oko.
Yintoni Injongo Yotyalo-mali?
Iyintoni injongo yemali yakho? Ufuna ukuba wenze ntoni? Unako ixesha elingakanani uze ufune le mali? Ingozi engakanani ozimisele ukuyithatha ukufumana ukubuyisela okuphezulu ngaphezulu? Ngaba ufuna imali yakho ikhule okanye ufuna ukuyigcina ixabiso langoku?
Iimpendulo kule mibuzo ziya kukunceda ufike ngexesha lakho lokutshala imali kunye nokunyamezeleka kwengozi , ezizinto eziphambili zokumisela injongo yakho yokutshala imali.
Qinisekisa ukuLawulwa kweeAfa
Emva kokuba ugqibe injongo yakho yotyalomali, unokumisela ukunikezelwa kwempahla yakho, oko kukuxutywa kwezinto-mali, iibhonki kunye nekheshi-eziquka iphothifoliyo yakho.
Ulwabiwo olulungileyo lweefa luya kubonakalisa izinga lakho lokunyamezela ingozi, enokuchazwa njengobundlobongela (ukunyamezela okuphezulu kwengozi), ngokulinganayo (ukunyamezela okuphakathi komngcipheko) okanye ukuzithemba (ukunyamezela komngcipheko ophantsi). Ukuphakamisa ukunyamezela kwakho inzuzo ngaphezulu kweempahla eziza kuba nazo ngokumalunga neebhanki kunye nemali kwi-portfolio yakho; kunye nokunciphisa ukunyamezela kwakho, ingaphantsi kwepesenti yee-stocks ngokubhekiselele kwizibophelelo kunye nemali.
Jonga ezi zenzululwazi zezicwangciso zeepotfoliyo zokufumana izikhokelo ezingaphezulu: I- Aggressive Mutual Fund Portfolio Isampula , i- Moderate Mutual Fund Portfolio Isampula kunye ne- Conservative Mutual Fund .
Funda Iintlobo kunye neMigangatho yeeMali eziManyeneyo
Emva kokwenza isiseko esisiseko sokwabiwa kweempahla, ungaqala ukuhlola iintlobo ezahlukeneyo zeemali kunye neendidi zazo. Ukufunda indlela iimali zobudlelwane bezobambiswano zikwahlula ngayo umncedisi-mali ufunde indlela yokukhetha imali engcono yokunikezelwa kweefa kunye neenjongo zohlukeneyo. Ngokomzekelo, kukho iifowuni zentengo, uxhasano lweemali kunye kunye nemali yemali. Imali ye-Stock kunye neebhondi, njengeentlobo zeengxowa-mali eziphambili, zininzi zentlupheko, njengempahla esezantsi, i-stock-cap stock, i-stock-cap encane, iibhondi zenkampani, izibophezelo zentlawulo, njalonjalo, okuchaza ngakumbi indlela yokutshala mali.
Funda ukuhlalutya i-Mutual Fund
Kukho iinkalo ezininzi, imiba kunye neendidi zengxowa-mali. Nangona kunjalo kukho izinto ezimbalwa ezisisiseko zokwazi, njengendlela yokuhlalutya ukusebenza komxhaso kunye nezinto ezinokuchaphazela ukusebenza, njengenani lexabiso lemali . Nangona kunjalo, kukho okungakumbi ukuxhaswa kukhethwa ngaphandle kokusebenza kunye neendleko. Kwabanye-ngaba-yourself-andersers kunye nabacebisi-mali-mali ngokufanayo, isitayela esingabonakaliyo sotyalo-mali senza umsebenzi wohlalutyo lulula ngakumbi.
Zifundise kwiSicwangciso esilungileyo sokuTyala
Akukho "cwangciso-mali esilungileyo" ngaphandle kweyona isebenza kakuhle kuwe . Kwakhona awufuni ukuqala isicwangciso kwaye ufumanisa ukuba ufuna ukuyiyeka ngenxa yesimo esitsha esishisayo ofumene kwinqaku leendaba. Musa ukudideka ngabo bonke abanobuchule-obuyinyaniso-yinyaniso yenyanga kwaye banamathele kwizinto ezisisiseko ezihlolwe ngexesha.
Umzekelo, ukuba awuyithandi uphando kunye nohlalutyo kwaye ufuna ukugcina izinto ezilula, iqhinga elilula, eliphantsi kweendleko zephothifoliyo lingaphinda lisebenze kangcono kuwe. Kodwa ukuba uthanda ukubukela imarike kunye nokuhlalutya izinto, unokuthanda ukuhlaziywa okusemgangathweni okanye ukwabiwa kwempahla . Ngoko iindlela zokutshala imali kunye neendlela zobugcisa zifana neengubo ezifanelekileyo. Awudingi nantoni na eyabizayo okanye eyenziweyo; udinga into ekhululekile eyokuhlala ixesha elide, ngakumbi ukuba injongo yakho yotyalo-mali ixesha elide (iminyaka eli-10 okanye ngaphezulu).
Funda indlela yokwakha i-Portfolio ye-Mutual Funds
Ukwakha iphothifoliyo yemali efana kunye nokwakha indlu: Zininzi iintlobo ezahlukeneyo zobuchule, izixhobo, izixhobo kunye nezinto zokwakha; kodwa isakhiwo ngasinye sichaza ezinye izinto eziphambili.
Ukwakha iphothifoliyo engcono kakhulu ekufuneka uhambe ngaphaya kweengcebiso zengqondo, "Musa ukubeka onke amaqanda akho kwibhasikidi enye:" Isakhiwo esinokumelana nokuvavanya kwexesha kufuna ukuyila i-smart, isiseko esomeleleyo kunye nokudibanisa okulula yeemali ezihlangeneyo ezisebenza kakuhle kwiimfuno zakho. Umzekelo weso siqulunqo esilula ubizwa ngokuba yintloko kunye nesathelayithi .
Invest in the Best No-Load Mutual Funds
Ngaphandle kokungathandabuzeki, iimali ezingekho mthwalo zikhethileyo zikhethwa kuzo zonke izihlwele ezizenzayo kunye nabacebisi abacebisi kakhulu. Kodwa ziphi iimali ezingekho mthwalo ezingekho mthwalo kwaye zingafumaneka phi? Ngamawaka eemali ezidibeneyo zokukhetha kunye kunye neenkulungwane zeentsapho zeengxowa-mali ezahlukileyo ezizinikela zona, umtyalomali unako ukufumana umthwalo ogqithiseleyo kwaye mhlawumbi enze iimpazamo ezingenasiphelo.
Uninzi lwabatyalomali bayazi ukuthintela imithwalo yemali xa befuna ukukhuphula iindleko ngokunciphisa iifizi zentlawulo . Abatyala-mali abaninzi bayazi nendlela yokukhetha imali engcono. Nangona kunjalo, utyalomali obalaseleyo uyazi ukuba ukulula, ukongezelela kokungahambisani nendawo, kuyimandla enamandla ekukhethweni kwemali-mali: konke okufunekayo ukwakha i-poletic fund yeyona mveliso kukukhetha eyodwa yentsapho yesikhwama esingenamthwalo kwaye ukhethe ezintlanu okanye ezintandathu zeengxowa-mali ezingekho mthwalo ezivela kwiindidi ezahlukileyo zeengxowa-mali zobudlelwane.
Yenza isigqibo: Ngaba Yenza Uqobo okanye Uzuze Umcebisi?
Ingaba uyenzela wena okanye ukhethe ingcali yeengcebiso zezezimali, ukhetha umcebisi . Qalisa inkqubo yesigqibo sokuqesha umcebisi ngokubuza imibuzo embalwa yokucinga: Ukuba umhlobo ufuna umcebisi, ngaba unokukucebisa? Ngaba ufuna ukuqesha wena njengomcebisi okanye kufuneka uqeshe omnye umntu? Iyiphi ixabiso lexesha lakho lifaniswa neendleko zemali zokusebenzisa umcebisi? Ngaba uyayivuyela inkqubo yophando lotyalo-mali kunye nocwangciso lwezemali okanye ukwesaba ukwenza loo nto ungayinaki imali yakho?
Funda malunga neentlobo zabacebisi ngezeNtengo
Ukuba unquma ukuqesha umcebisi, ngubani oza kulungelelanisa iimfuno zakho zemali kunye notyalo-mali? Ngaba kufuneka usebenzise i-RIA okanye umthengisi wesitokhe? Iyintoni i-CFP kwaye yintoni inzuzo yokuyisebenzisa?
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.