Khetha enye yale miShishini yoRhwebo, okanye Yenza zombini.
Ekugqibeleni, ukwenza utyalo-mali kusoloko kukhuthazwa , njengokuba luhlobo olongezelelekileyo lwemali engenayo kunye nobutyebi bwedlula ukuthengiswa kwelanga. Oko kwathiwa, ukuba uqala nje kwiimarike, kwaye uzama ukugqiba apho ufuna ukugxila kwimigudu yakho yokuqala, esi sikhokelo siyakunceda wenze eso sigqibo. Funda malunga nendlela yokuhweba kwimihla kunye nokutshala imali kuhluka ngayo ngokwemfuneko yeemali, ukuzinikela kwexesha, izakhono kunye neengqondo kunye nokubuyiswa kwembuyekezo.
Ukuthengiswa Kwamasuku Okungahambisani Nokutyalomali: Iimfuneko zeMali
Impahla yokuthengisa e-Day e-US idinga ibhalansi ye-akhawunti okungenani i-$ 25,000 . Akukho ncinane ubuncinane bezomthetho kwiimarike zemali, kodwa ukuqala nge-$ 1,000 kunconywa . Ngomhla wezohwebo zonyango, qalisa ubuncinane i-$ 5,000 ukuya kwii-7 500 zamaRandi .
Ukutshala imali kuqhutyelwa kwiimarike zamasheya. Ixesha elizayo lixesha lokuphelelwa yisikhathi, ngoko ayikho into efanelekileyo yokuhweba kwexesha elide. Iingqununu zingasetyenziselwa ukurhweba ixesha elide, kodwa ukhetho lunqunyelwe ukususela kungekuze kubekho ukuhweba kwangexesha elide kwihlabathi elinemivuzo embalwa kunye nozinzo-mali (xa kuthelekiswa namawaka emasheya kunye nee- ETF zokukhetha, oku nazo zisetyenziselwe ukuthengisa i-future and currencies ngokuthe ngqo).
Ngokuxhomekeke kwindlela umntu asebenzisa ngayo ukutyalomali, imali efunekayo yokuqala iya kuhluka. Makhe sicinge ukuba umntu ufuna ukufumana ubuncinane ubuncinane abathathu okanye ii-ETF. Akukho ncinane isetyenziswe ngumntu ukutyalomali, kodwa iikomishini kufuneka ziqwalaselwe ngokucophelela xa zithengwa ngexabiso elincinci. Kucinga ukuba uhlawulwe ikhomishini ye-$ 7 nganye yorhwebo.
Ukuba kuthengwa i-$ 100 yesitokethi ngexesha, ikhomishini isebenza kwimali yepesenti ezi-7. Lo mkhulu! Thelekisa oku kumntu othenga i-$ 1,000 yeempahla ngexesha; umrhumo we-$ 7 ngowama-0.7 ekhulwini kuphela. Ngoxa i-khomishini iyahlala enye, xa kuthelekiswa nentengo-mali eyinkunzi, umrhumo ubiza kakhulu kwixabiso elincinci. Khumbula, uhlawula enye ikhomishini xa uthengisa. Oko kuthetha ukuba kutyalo-mali lwama-$ 100 olufunekayo ukwenza iipesenti ezili-14 nje ukuba udibanise, ukukhubazeka okukhulu kunokuba ngumntu onika i-$ 1,000 ngexesha kwaye ufuna kuphela ukwenza i-1.4 ekhulwini ukuba aphule. Ukuthunyelwa kweenkunzi ezinkulu kumachunks amakhulu kunokuba ngcono.
Zama ukugcina okungenani i-$ 1,000 ngaphambi kokwenza isitotyi okanye ukuthengwa kwe-ETF (ezininzi ze-ETF zingatyaliswa ngaphandle kwekhomishini, kunye nabathengisi). Ngale ndlela, ii-commissions aziwuthathi omkhulu (ipesenteji) yenkampani yakho enkulu ekuthengeni. Ukulondoloza i-$ 1,000, ukutshala imali, ukugcina i-$ 1,000 kunye nokutshala imali kulunge ngakumbi kunokuthenga intengo ye-$ 100 yesitoko nganye ngenyanga. Oku kucinga ukuba uyenzela ukuthengwa kwee-stocks. Ukuba utyalomali rhoqo ngenyanga kwisicwangciso senkxaso yomsebenzi, ngokuqhelekileyo imali ifakwa kwi- fund fund (okanye ininzi) ekungekho mrhumo ongaphambili (kunokuba iintlawulo zithathwe ngonyaka, ngokuqhelekileyo kwisilinganiso seepesenti eziyi-1, ngamanye amaxesha ngemali eyongezelelweyo xa imali i rhoxiswa).
Isishwankathelo: Ukutyalomali, ukuba uthengisa izitokethi zakho, zama ukugcina okungenani i-$ 1,000 ngaphambi kokuthenga. Ngama-$ 1,000 (okanye ngaphezulu), yenza ukuthenga okongeziweyo, ukwandisa kancane kwipotfoliyo ukuya kwii-stocks ezintathu okanye ngaphezulu kunye ne-ETFs. Ukuba awudingi ukuhlawula iikomishoni (kwiintengiso ezithile ze-ETF, okanye kwiplanti yokutyalomali yenkampani, umzekelo) ngoko unako ukutyalo imali njengoko unayo. Ukuthengiswa kwemini, uya kudingeka ubuncinane be-$ 1,000 kwiimali zorhwebo, i-$ 5,000 okanye ngaphezulu kwixesha lokuthengisa okanye ubuncinane ama-25,000 ama-stocks ngosuku.
Kukho umgangatho ophakathi phakathi kotyalo-mali kunye nosuku lokurhweba, olubizwa ngokuba yi- swing yorhwebo , oko kukuthi xa kuthengiswa iintsuku ezimbalwa kwiinyanga ezimbalwa.
Ukuthengiswa Kwamasuku Ukungaxhasi: Ukuzibophelela kwexesha
Ukuthengiswa kwelanga kufuna ukuzinikela kwimihla ngemihla, ubuncinane ubuncinane kwiiyure ezimbini.
Iyure lokuqala iimakethe zase-US zivulekile (ngokusemthethweni) ekuthengiseni ngokuqhelekileyo zihlandlo zezona zihlandlo ezifanelekileyo ukubeka imali kwixabiso elikhulu. Njengoko kusemini isidlo sasemini eNew York, amasheya athambekele ekuthuleni. I-"bongo yebuck" engcono kakhulu ivela ekuthengiseni loo hora yokuvula okanye ezimbini, ngexesha elithile lokulungiselela ngaphambi kokuvula. Abathengisi bemini kufuneka bachithe ixesha lokuphonononga ukuhweba kwabo ngemini kwaye ekupheleni kweveki nganye. Ukuzibophelela kwexesha elipheleleyo: malunga neeyure eziyi-15 ngeveki ekupheleni okuphantsi, kwaye kwiiyure ezingama-40 ngeveki ekupheleni okuphezulu (ukuba uthengisa kakhulu emini).
Ukuthengiswa kweSuku kwenziwa xa iimarike zivulekile kwaye zisebenza. Isikhathi esona sisebenza kakhulu kwi-stocks, currencies, kunye nexesha elizayo sele sisondele kwimakethe yase-United States evuliwe. Ngaphandle koko, iimarike zomhlaba nazo zihlala zisebenza (ngokukodwa zemali kunye nezitshixo zaseYurophu) kufuphi neYurophu evulekile. Ukuba e-US okanye eCanada, ezi zihlandlo ezifanelekileyo ukuthengisa, oku kuthetha ukuthengiswa kusasa okanye phakathi kobusuku. Ukuba ezi zikhethi zingasebenzi kuni, ukuhweba kwamasuku kungabikho okulungileyo, kwaye ungcono ukutyalo-mali.
Utyalo-mali, kwaye ngokukodwa uphando oluya kulo, lunokwenziwa nangaliphi na ixesha, nangona umntu esebenza iiyure ezininzi emsebenzini. Xa i-capital isilungele ukusetyenziswa, lindela ukuchitha iiyure ezimbalwa ngenyanga ukhangele iifowuni kwaye ufumanisa ukuba zeziphi iimfuno zesicwangciso sakho sesicwangciso-mali (ukufumana okanye ukudala isicwangciso sotyalo-mali kuya kuthatha ixesha elingakumbi ekuqaleni).
Abanye abantu, abafuna ukusebenza ngokuthe xaxa, banokugqiba ukuchitha iiyure ezimbalwa ngeveki benze uphando (ngakumbi ukuba ngaba baninzi imali ekufuneka bayisebenzise kwaye bafuna amathuba amaninzi okurhweba). Kulo "setha kwaye uyalibala" umtyalo-zimali, banokufuna kuphela ukwenza uphando oluthile, okanye ukhangele utyalo lwabo, zonke iinyanga ezimbalwa, mhlawumbi xa bekulungele ukwenza enye intengo.
Isishwankathelo: Ukuthengiswa kwelanga kuthatha ixesha elizimeleyo lokuzinikela; cinga nje ngexesha lesigxina, ukuba kungekhona ixesha elipheleleyo, umsebenzi. Eyona nto iyenziwe ngokufutshane neemakethe zase-US ezivulekileyo, kwaye mhlawumbi kwi-London evulekileyo (kwiimali okanye i-stocks zaseYurophu). Ukutshala imali kuthatha ixesha elingaphantsi. Abatyalomali abasebenzayo bangasebenzisa iiyure ezimbalwa ngeveki kuphando kunye nokubeka amashishini, kodwa abatyala-mali abaninzi abanokufuna ukuzinikela iiyure ezimbalwa nganye ngenyanga okanye babini (becinga ukuba balawula utyalo-mali lwabo).
Ukuthengiswa Kwamasuku Okungafani Nokutyalomali: Izakhono kunye neemfuno zobuntu
Nawuphi na uhlobo loshishino lufuna ukuzibophelela ixesha elide phambi kophando kunye nokwenza isicwangciso esisebenza. Emva koko kuthatha ixesha lokufunda indlela yokuphumeza eso sicwangciso ngokufanelekileyo, njengoko abathengisi abatsha bahlala besuka kwicebo okanye isicwangciso sabo ngenxa yeemvakalelo ezinamandla ezingenakuvela ngokukhawuleza xa i-capital in line.
Usuku lokurhweba kunye nokutyalomali bobabili bathathe uqeqesho . Amashishini kufuneka athathwe aze aphume ngokuhambelana neendlela ezithile zokurhweba ezinikezelwa liqhinga. Ukurhweba xa kuthengiswa urhwebo kungabikho mthethweni kwaye mhlawumbi kungakhokelela ekusebenzeni kakubi.
Usuku lokurhweba kunye nokutshala imali kokubili kuthatha umonde , kodwa uhlobo oluthile lomonde. Abathengisi basuku basebenza, banokuthatha amashishini amaninzi ngosuku. Kodwa basadingeka balinde ukuthenga kwabo kwaye bathengise izinto zokubangela ukuba zenzeke. Ukujongana nokuhamba kwexabiso elincinci kunokuba lula kumthengisi ukuba enze urhwebo xa engafanele. Ngakolunye uhlangothi, abatyali-mali kufuneka basebenze kuphela xa kuqhutywe urhwebo. Abahlali behlala bejonge izikhundla zabo kunye nokukhathazeka malunga neepenari zonke ziguqukayo (okanye, ubuncinane akufanele zibekho!), Ngoko ke, ukulingwa ukuthengisa akungaphantsi kaninzi. Akukho namnye ngaphantsi, umtyalomali kufuneka afunde ukuthabatha kuphela ukuthengisa xa kwenzeka ukuthengisa ngokusemthethweni, nokuba oko kuthetha ukukhangela iitshathi zeeveki ngaphandle kokufumana namathuba amahle.
Usuku lokurhweba kunye notyalo-mali lufuna i-smarts, kodwa kungekhona ukuba i-book- or college-smarts. Ukufunda incwadi ayenzi imali. Bonke abathengisi mabaguqule i-book-smarts ngolwazi olusebenzisekayo. Oko kuthetha ukuthungulula yonke into phantsi kwiingcamango ezimbalwa ezilula ozenza lula ukuzilandela. Bese ufunda iincwadi, kwaye uthathe kubo oko uthanda. Yenza oku de ube neendlela zokungena, ukuphuma nokulawula umngcipheko kumashishini akho. Hlola indlela kwidata yembali ukuze ubone ukuba isebenza njani. Emva koko, phuculula ukwenza amashishini kwi-akhawunti ye-demo. Emva koko, xa ulungele, phumeza isicwangciso kunye nenkunzi yangempela. Ngamanye amaxesha, amanye ama-tweaks angadinga ukwenza kwenkqubo njengoko ufumana amava kwaye ufumana iindlela ezingcono zokwenza izinto.
Isishwankathelo: Ukurhweba nosuku kunye nokutyalomali kwamasibini kubini nzima, kwaye kufuna ukubekezela, umfundi kunye neentloko (kodwa oko akuthethi ukuba ufuna ukuya esikolweni). Abathengisi basuku bajonga iitshathi zabo zonke ixesha, oko kuthetha ukuba banokukhwabaniswa lula ngamathuba amaninzi. Kwakhona kufuneka bafumane ukuhlala phambi kwikhompyutha yonke imihla, yedwa (ngokuqhelekileyo). Abatyalomali akudingeki ukuba bahlale phambi kweentshathi zabo zonke iintsuku, kodwa basadingeka ukuqeqeshwa kunye nomonde ukusebenza kuphela xa iqhinga labo lifuna.
Ukuthengiswa Kwamasuku Okungahambisani Nokutyalomali: Iingeniso Zokubuya
Ngenjongo yolwazi, siya kuqhathanisa ukutshalwa kwemali yokubuyisela kunye nokubuya kweentengiso zosuku, kodwa kufana nokuthelekisa iipulo kunye nama-orang.
Njengoko kuxoxwe, ukuhweba kwamasuku kuthatha ixesha elininzi, kwaye utyalo-mali kuthatha ixesha elincinci. Ukutshala imali kungenziwa ngezigidi zeedola ezingenayo impembelelo encinci kwintsebenzo, ngoxa abahwebi bemini baqala ukubona ukuhla kweentsebenzo zepesenti kunye ne-akhawunti yamanqaku angamakhulu amawaka eedola (kunzima ukuhambisa imali eninzi kwiimveliso ezigcina kuphela imizuzu).
Ngenxa yezi ngqinano, sibona umehluko omkhulu kwiingeniso ezinokubuyiselwa kootyalo-mali kubathengisi bamhla.
Abathengisi bemini bangenza iipesenti ze-0.5 ukuya kwi-3 ekhulwini (ekupheleni okuphezulu) ngosuku ngemali yabo. Oku kungalingana neepesenti ezili-10 ukuya kuma-60 ekhulwini ngenyanga . Iipesenti zokubuya eziphezulu zi no kwenzeka kwiingxelo ezincinci, kodwa njengoko ubukhulu beakhawunti bukhula ibuyiselo ziyakwazi ukutshintshela kwi-10 ekhulwini / ngenyanga, okanye ngaphantsi.
Ngorhwebo lweentsuku, i-earnings ihlanganiswe ngokukhawuleza. Ukuba uqala nge $ 30,000, nokwenza iipesenti ezili-10 ngenyanga, ngenyanga ezayo umthengisi uqala nge $ 33,000. Ukuba benza kwakhona iipesenti ezili-10, bafikelela kuma-36,300. Ukuhlanganiswa kwenzeka rhoqo imihla ngemihla kuba iingeniso zivalelwe imihla ngemihla. Oko kuthetha ukuba inzuzo iyenziwa malunga nokuzuza kwangaphambili (ngaphezu kwe-capital capital) ukuze i-akhawunti ibhale ibhaluni ngokukhawuleza. Ngelishwa, i-akhawunti yoshishino yosuku ingaphinda ihlawule ngokukhawuleza ukuba umrhwebi ulahlekelwa iipesenti ezi-1 okanye iipesenti ezi-2 zenkunzi yazo ngosuku.
Uninzi lwabatyalomali ngabanye akudingeki bakhathazeke ngokuqokelela imali enkulu. Ngeempahla ezininzi apho ukukhetha, kunye nexesha elide lokuqokelela kunye nokulahlwa kwezikhundla, utyalomali-mali ode-mali uye wafikelela malunga neepesenti ezili-10 ngonyaka. Oku kuphezu kwexesha elide nangona kunjalo, njengoko unikwe unyaka onokubona ubuyisela imali ephezulu okanye ephantsi kweepesenti ezili-10 (kunye nokubuya okungenakwenzekayo kwiminyaka emine kwiminyaka emine). Abathengi abakhutheleyo nabanobuchule banokuthi bangaphaya kwama-10 ekhulwini kwipesenti, njengoko izicwangciso ezithile zibonise ukutyekela ukuvelisa iipesenti ezingama-20 okanye ngaphezulu ngonyaka. Ukususela ekubeni utyalo-mali luhlala lugcinwa iminyaka, ukuhlanganiswa kuhamba kancane. Ukuba iimveliso zidlulileyo kwiminyaka emininzi de ifikelele ukuba inzuzo ayinakusetyenziswa ukuvelisa amanzuzo amaninzi. Le ngenye inzuzo yokuthengiswa kwexesha elifutshane-ngokukhawuleza ukuhlanganiswa. Njengoko kuthethwe ngako, kunzima ukuhambisa imali engaphezulu kwenkxaso-mali emfutshane, ngoko ukwenza utyalo-mali olude (kunye nokunye ukuthengiswa kwexesha elifutshane) kukhuthazwa.
Isishwankathelo: Wonke umntu kufuneka atyale ukuqokelela ubutyebi besikhathi eside. Isigqibo esisodwa kukuba ingaba umthengisi ufuna kwakhona ukuthatha ixesha lokuqulunqa imali ngokukhawuleza ngokuthengisa yonke imihla. Abathengisi bemini bangenza ngaphezulu kweepesenti ezili-10 ngenyanga, kanti abatyali-mali banako ukwenza iipesenti ezili-10 ukuya kuma-20 ekhulwini ngonyaka .
ILizwi lokugqibela kwiShishini lokuThengiswa kweMini kunye nokuTyala
Ukwenza utyalo-mali kunconywa . Yindlela enhle yokwakha ingeniso / ubutyebi, ngaphandle kokunikezela iiyure ngosuku. Ukutshala imali kunokuthatha nje iiyure ezimbalwa emva kweenyanga ezimbalwa ukulawula izikhundla kwaye ujonge imisebenzi emitsha, nangona abanye abatyali-mali bangakhetha ukubeka ixesha elide. Usuku lokuhweba lunokwenzeka xa ufuna ukuvelisa umvuzo, okanye umvuzo ongezelelweyo, kwaye uneeyure eziliqela (ubuncinane ubuncinane ababini okanye abathathu) ngosuku ukuzinikela kulo msebenzi.
Ukuba utyalo-mali ngokwakho, uthenge isitoreji ubuncinane kuma-$ 1,000. Utyalo-mali oluninzi luya kuba neendleko ezinkulu zekhomishini. Ukuthengiswa kwemini, kucetyiswa ukuba abarhwebi baqale nge-$ 1,000 (okanye ngaphezulu) ngee currenti, i-$ 5,000 (okanye ngaphezulu) kwixesha elizayo kunye ne-25,000 zamawaka (okanye ngaphezulu) kwiimpahla.
Zonke iintlobo zokurhweba zidinga umonde, uqeqesho, kunye neentloko. Uphando kwaye uqulunqe indlela yokurhweba esebenza kuyo. Ukuba awunakucingelwa kwikhompyutheni inxalenye yosuku, ukuhweba kwamasuku kuyindlela yokuqwalasela.
Ukubuyiselwa akukwenzeki ngokuthe ngqo ukuthengiswa kwamalanga kunye nokutyalomali. Kwixesha elingaphezu kwexesha elide, abantu ngabanye banako ukutshala imali engenamkhawulo kwaye bafumane ukubuyela ngokufanelekileyo. Abathengisi basuku bafakwe kwi-intanethi malunga nokuba bangayisebenzisa njani ixesha elifutshane. Oko kwathiwa, ukuhweba kwamasuku kunokubonelela ngokuphila ngokukhululekile kunye nomvuzo ongezantsi (abahwebi abaninzi baphinde balahlekelwa yonke into) kwabo bazinikezela ixesha elifunekayo lokuziqonda.
Ukuba ukhetha ukuhweba nosuku, ubeke eceleni ezinye iimali zokutyalomali. Utyalo-mali kuthetha ukufumana imali yemini yemvula, kwaye sinethemba lokuba ezo zimali zikhula ngaphezu kwexesha elide lokwandisa ubutyebi.