Ukugcina Ezi Nyaniso Ezibalulekileyo Ingqondo Inokukhusela I-Portfolio yakho kunye neNzuzo
Kulo nqaku lokuqala, ndifuna ukuhamba ngeendlela ezisisiseko zokutshala imali yakho; ukumboza ezinye iingcamango ezilula eziza kukunika iindawo ezifanelekileyo zelizwe ukuze ukwazi ukuqhubeka.
Inqaku Lokuqala Ngokufunda Indlela Yokusebenzisa Imali Yakho Ngaba uyaqonda ukuba uYobhi Wakho ukufumana iNgxowa-mali
Oku kunokuzwakala kunzima kakhulu kodwa kubaluleke kakhulu ukuba ufumane le ngcamango. Yonke into - izitokisi , iibhondi , i- real estate , amashishini abucala , ipropathi yengqondo, ukulingana okwenziweyo, yonke into-iluncedo kuwe njengotyalo-mali kuphela njengoko iyakwazi ukuguqulwa okanye ukulahla imali ehlawulwayo ekhethiweyo ngexesha elithile ikamva kwiimali eziye zahlenga umngcipheko, ukunyuka kwamaxabiso, irhafu kunye nexesha, kukuvuza ngenxa yokuyeka ukusebenzisa imali yakho namhlanje. Kwixesha elidlulileyo, ndithe ngathetha ngokuthe ngqo kule ngcamango kwiblogi yam ebomini ngokuchaza ukuba "iingufi ezimbini zefilosofi yokuhamba kwemali", ngokuphindaphindiweyo ukuyihlaziya ngokujulile kumanqaku afana nale.
Kwi- Investment for Beginners site, ndithe ngqo ngokubhekiselele kuwo kumanqaku afana ne- It Comes to Investing in Stocks, I-Job Job Yithenga Intlawulo .
Kungakhathaliseki ukuba yiyiphi impahla efunyenweyo okanye isakhiwo somthetho okanye isakhiwo se-akhawunti apho ufumene khona, kufuneka uhlale uqaphela oko kwenzeka ngokwenene, kumgangatho ophantsi, ukuzisa imali engaphezulu.
Yintoni umsebenzi wezoqoqosho? Ngaba luzinzileyo? Ziziphi iingozi ezingasengozini?
Makhe ndikunike umzekelo. Cinga ukuba uvula iRoth IRA . Unika i-$ 500 zama-$ 500 kuwo, ngumngcele we-2016 ootyalo-mali abangaphantsi kweminyaka engama-50 ubudala. Emva koko utyalomali le mali kwizabelo ze-S & P 500 yengxowa-mali. Njengamhla, ngoFebruwari 28, 2016, 3.158469% yemali yakho iya kutyalomali kwi-Apple. Oko kukuthi, ama-dollar ayi-1,00 kuzo zonke i-$ 31.66 ezikhoyo emsebenzini wobunini bobuchwepheshe obusekelwe eCalifornia. Xa ukhe ubambe phantsi kwimiphumo yokusebenza yenkampani ngokufunda isalathisi kunye nesitatimende se ngeniso esifumane kwingxelo yonyaka kunye neFom 10-K yokufakela , uyabona ukuba phantse i-58% yexabiso langaphakathi leenkampani livela ekuthengiseni iPhones.
Ngokwemigaqo, oko kuthetha ukuba i-1.83% yotyalo-mali yakho ihlanganiswe ngqo kwimpumelelo ye-iPhone. Ukuba i-Apple yayilahlekelwa yinto ephezulu kuyo enye, inkampani encinci engengenxalenye yeS & P 500, kungakhathaliseki ukuba imarike yemasheya yenza ntoni ngexesha elifutshane, ixesha elide , uya kubona ukuba ubutyebi bucinywa lwakho lomnatha. Isizathu: Ekugqibeleni, oko kubaluleke ngokwenene yintlawulo eyenzelwa yona.
Le ngxowa-mboleko oyibonayo, engabikho ngokwenene, ibhasikidi edibeneyo yamasheya. Ezi zitshixo zigqitywa kuphela ekuphumeni kweemali ezikuvelisa zona, njengomnini. Ezi ntlawulo zeemali zibonakaliswa njengebuyiselo elipheleleyo kodwa ukuba ukuhamba kwemali kuyomile, ekugqibeleni, kwakhona, isitokethi.
Umgca ophezulu: Awukwazi ukuphepha kwimeko yezoqoqosho. Abatyalomali bazama ngezikhathi ezithile - bazisa ii- IPOs ezintsha kwizulu baze benze abantu bacinge ukuba bafumana ubutyebi ngobusuku obunye - kodwa ekugqibeleni, inzuzo engaphantsi yinto eyenza inzuzo ezinzileyo. Ukongezelela, oko uhlawula loo mali yokuhamba kwemali kukugqithiseleyo kwinqanaba lakho lokukhula kwonyaka . Njalo uyazi ukuba imali yenziwa njani. Njalo uyazi oko uhlawula umgca wokufumana imali. Ukuba awukwazi ukuyipela kwiimvakalisi ezimbalwa kwikhadi lesicatshulwa, ukugembula kwakho, ukutyalomali.
Ukuze ufunde kabanzi ngale nto, funda i- Market Timing, Valuation, kunye ne-Purchases.
Inqaku elilandelayo malunga nokuFunda Indlela yokuTyala imali yakho Ngaba uyaziqonda njani indlela yokuzikhusela nokunciphisa intela
Emva kokuba ukhethe i-asethi ofuna ukuyifumana kwaye iya kuphefumula ingeniso kuwe, ufuna ukubeka ezo zimpahla kwisakhiwo okanye i-akhawunti enolwazi oluninzi lwentlawulo kunye neenzuzo zokukhusela i-asethi. Ezi zimbini iinkalo ezihlukeneyo kufuneka zithathwe kunye.
Ingaba kusetyenziswa ubudlelwane obuthile bentsapho okanye i- fund trust , i- SIMPLE IRA okanye i- 401 (k) isicwangciso , isakhiwo ngasinye somthetho kunye nohlobo lwe-akhawunti lunenzuzo kunye neengxaki. Ngokomzekelo, kunyaka ophelileyo, ngowama-2015, ukuba awuzange ugqitywe ngesicwangciso somhlalaphantsi emsebenzini, imali yanikele inxaxheba kwi- IRA yeNdabuko (unokuba negalelo le-5 500 zamaRandi ukuba uneminyaka engama-50 okanye i-$ 6,500 xa uneminyaka engama-50 kodwa ngaphantsi kwe-70.5 uneminyaka elidala) ufumene ukubhaliswa kweerhafu ngaphandle nje kokuba ungadluli umda wembuyekezo. Ukuba wawungatshatanga kwaye ufumana imali engenayo engu-61 000 okanye ngaphantsi, okanye utshatile ukudibanisa ngokubambisana kunye nokufumana ingeniso engaguqukiyo engama-183,000 okanye ngaphantsi, unokubamba igalelo kwiholo lakho lentlawulo. Ngaphezulu koku, nayiphi na imali efunyenwe kwi-IRA yeNdabuko kude kube yilapho usenza ukuhoxiswa kwiminyaka engama-59.5 okanye ngaphezulu ingaphantsi kweerhafu. Kunoko, uhlawula irhafu malunga nokurhoxiswa, ukongeza imali oyenzayo kwi-IRA yeNdabuko kwimali yakho engenayo.
Ngaphezulu nangaphezulu kwayo, i-IRA yeNdabuko inezinzuzo ezithile zokukhusela impahla. Ngo-2015, ukuya kwi-$ 1,245,475 yemali yakho egcinwe ngaphakathi kwiIras zeNdabuko kunye ne-Roth IRAs ikhuselwe kwimeko apho kufuneka uvakalise i-bankruptcy. Ngezicwangciso ezifana ne- SEP-IRAs kunye ne-401 (k), akukho mda wokukhusela i-bankruptcy. Oku kuthetha ukuba kwenzeka into eyingozi, awuyi kufuna ukuqala ukurhoxisa kule akhawunti, uthi, gcina ikhaya lakho ukusuka ekungeneni. Ukuba ukutshatyalaza kuya kufaka kwaye kufuneka uziphose inceba yenkundla yebhanki, ufuna ukukwazi ukuphuma ngaphandle kwindlu yesigqeba kunye nesicwangciso sakho sokuthatha umhlala-phantsi sisasebenza, ukuhlanganiswa kwakho emva kokuba amatyala akho akhululwe.
Faka enye indlela, iimpahla ezifanayo ziyakwazi ukuziphatha ngendlela ehlukileyo kuwe ngokubhekiselele ekusebenzeni kwazo ngokufanelekileyo ngokuxhomekeke ekuhlaleni kwazo. Esi siqhinga esibizwa ngokuba yi- aseset placement .