Ulawulo lomngcipheko luqala ngokukwazi oko akufanele ukwenze
Eyona nto ibalulekileyo ekuqwalaseleni ukuqokelela iqoqo lezinto ziqinisekisa ukuba ngasinye isikhundla ngasinye kwipotfoliyo sizwakala, sigxininiswe ngokufanelekileyo, kwaye silawulwa kakuhle. Nangona kuya kubakho ukungatshatyalaliswa kwindlela (okufana nobomi), le ndlela yokuqonda inganciphisa umonakalo obangelwa ziziganeko ezinjalo.
Iimali zeMatual Fund kunye neRatios eziPhakamileyo zeNdleko okanye iMithwalo yokuThengisa
Umyinge weendleko zomhlala-mali uthetha ipesenti yemali oyimfuneko yokunika inkampani yolawulo ngonyaka. Iinkampani ze-Mutual fund ezifana neVanguard zisoloko zihlawula imali efanelekileyo phakathi kwe-0.10% kunye ne-1.00% ngonyaka, oku kuthetha i-portfolio ye-100,000, uza kuhlawula phakathi kwe-100 eyi-100 ngonyaka kunye ne-$ 1,000 ngonyaka, ngokuxhomekeke kwi-investment. Ezinye iinkampani zengxowa-mali ziyakwazi ukuhlawula iindleko eziphakamileyo njenge-2,00% (kwiimeko ezinqabileyo, nangaphezulu!), Oku kuthetha ukuba i-$ 2,000 yokuqala ye- capital income yakho, izabelo kunye nomdla ngamnye unyaka kuya kungena ephaketheni lenkampani yolawulo lwe- asethi , kungekhona kuwe.
Kunzima kakhulu ukuya phambili xa unolu hlobo lwesakhiwo seendleko. Kungcono ukuwuphepha kwiimeko ezininzi.
Ngokufanayo, umthwalo wokuthengiswa kweengxowa-mali ngokubanzi uhlala ungumqondiso ombi. Qalisa xa ubona enye.
Naluphi na uhlobo loNgcaciso, olubandakanya i-Stock Options
Asikwazi ukukuxelela kaninzi kangakanani abatyala-mali abatsha, abayaziyo ngokungafani naso ngeemarike zamasheya, bhala kuthi bathi baya kucinga ngokukhethwa kwezinto okanye ikusasa.
Le ayilona uhlobo lwento yokuba nabani na onamava amaninzi kufuneka aqikelele , makungabikho nhlobo ukuthenga. Kwiimeko ezinqabileyo, ukunyuka okufutshane kweso sithuba kwisithuba esifutshane kunokukhokelela ekulahlekeni okukhulu, kwanokukuthumela kwi-bankruptcy. Ukulahleka kwakho akunakunqunyelwa kwisixa otyalo-mali. Ungayifaka i-$ 10,000 kwaye uzifumane kwi-hook ye-$ 100,000 kwi-matyala xa ukhetha ukuthengwa okungekho phantsi kwegama eliphakamileyo.
Naliphi i-Stock Individual For What You Can Not Answer Impendulo Imibuzo
Ukuba ukhangele ukungongeza izitokethi ezithile kwipotfoliyo yakho, kufuneka ube nako ukuchaza ngokukhawuleza:
- Into eyenziwa yinkampani
- Indlela inkampani eyenza ngayo imali
- Ukuba isicwangciso somhlala-phantsi seenkampani siphelile okanye sihlawulwa ngemali (xa kusebenza)
- Ukuba kukho nayiphi na i-dilution evelele
- Ukulinganiswa kwetyala-kuya-equity ratio
- Ukubuyiswa okuzinzileyo kubulungisa
- Ukulindeleka ngokufanelekileyo kwimvuzo kwisabelo ngasinye, ngokusekelwe kwiingqikelelo ezingalindelekanga ukusuka kuhlalutyo olucacisiweyo lwezoshishino, iminyaka emi-5 nangama-10 kwikamva
- Kungakhathaliseki ukuba isivuno samanje sesiphumo siqikelele isivuno sondyebo kunye nezinga lokukhula
Ukuba awukwazi ukuphendula le mibuzo, kunye nabanye abambalwa , uncakazo, ungenalo imali. Awunayo ishishini elinamasheya athile ngaphezu kokuba umntwana ongenamava kufuneka akhanyise umlilo weziko lomlilo.
Ukuze ulungele, qwa lasela ixabiso leendleko eziphantsi, ezahlukileyo . Imali engasimangululi iphantse iphumelele. Yikholwa okanye akunjalo, abatyali-mali bahlala bebi kakhulu ekulawuleni imali yabo, ukuba ukulinganisela kungaphantsi! Enyanisweni, nangona isibheno sesikhathi eside, akudingeki ukuba utyalole kwiimpahla zokugcina ubutyebi . Kukho ezinye iindlela.
Iinqununu eziBucala eziBucala eziCwangcisiweyo ukwenzela ukunciphisa intela
Kubonakala ngathi ukuhaha cishe kusenza abantu abangaboniyo bantwini. Kwiminyaka emine okanye njalo, uhlobo oluthile lwequmrhu elitsha okanye ukhuseleko oluvelayo lithembisa ukugcina imali enkulu kwiindlela ezingavumelekanga. Nangona kunokuba kunengqiqo kumntu oqeshe i-coterie yabathengi kunye namagqwetha, akufanelekile ukulahlekelwa ngumntu ohleli kwisikhululo esithinteleyo okanye esingaphantsi kwepottoliyo. UThixo akavumeli ukuba i-IRS ingavumeli isakhiwo, kwaye ufumanisa ukuba ulahlekelwe yintsimi yakho enkulu kwiintlawulo kunye nemirhumo!
Siye sabona abantu bexela i-akhawunti yabo eyona eyenzekayo, kubandakanywa nendoda enye eyayiqhutyelwa kwi-bankruptcy. Musa ukwenza. Akulinganelanga izibizo ezinokwenzeka. Yeka ukuzama ukuqonda.
Iibhondi zeJunk neeBonds zangaphandle
Ndiyaqonda ukuba iirhafu zenzalo sele ziphantsi kwele minyaka elishumi edlulileyo. Kakubi kakhulu. Ukuchaza ngokucacileyo uBenjamin Graham, "Imali elahlekileyo ilahlekile ifinyelela ingongoma engaphezulu kwento eyebiweyo ekhangela umbhobho wesibhamu." Ukuphuma kwisivuno se-4% kwiibhondi zakho ukuya kwisivuno se-8% kunokuvakala kunomtsalane, kodwa kungekhona ukuba kufike ngokunyuka okukhulu kwingozi engozini. Izibophelelo ezingapheliyo zihlala zihlala zifikelela kwigama labo, njengoko ilizwi lihamba.
Ngethuba sisekuyo, dibana kunye neentambo zangaphandle kwiluhlu lwakho, ngokunjalo.
Ekupheleni, konke kukuzikhusela. Ukwenza imali kuza emva kokugcina imali . Ngaphandle koko, unokubona umsebenzi wobomi uphelelwa ngumbandela omnye okanye ezimbini.