Iisiseko zeNkqubo yokuTyala kwiiMali eziMali

Ukuthatha Amanyathelo okuQala ngokuTyala

Ukuba ufuna ukufunda ukutshala imali kwiimali zetyala, ngenhlanhla, kukho iindawo ezimbalwa eziphambili zokwazi ngaphambi kokuba uqalise. Nangona imali yokusebenzisana kunye nabacebisi bezezimali kunye nabaphathi bezemali abaqeqeshiweyo kwihlabathi lonke, iimali zengxowa-mali zingaba yindlela efanelekileyo kakhulu yokutshala abaqalayo kuba zilula kwaye zihlukeneyo, oko kuthetha ukuba abatyalo-mali bazo zonke iintlobo bangaphumelela ngaphandle kobuchule obuninzi, ixesha okanye imali.

Iyintoni i-Mutual Fund?

I- fund yokubambisana yintlobo yokhuseleko lotyalo-mali olwenza ukuba abatyali-mali baqokelele imali yabo ndawonye kunye nolo-mali olulawulwayo olulodwa. Iimali zengxowa-mali ziya kufaka imali kwiimpahla, iibhonksi, imali kunye / okanye ezinye izinto. Ezi ntlobo zezokhuseleko, ezibizwa ngokuba yi- holdings zidibanisa ukwenza i-fund eyodwa, ebizwa ngokuba yi- portfolio .

Ngaphambi kokuba uthenge i-Mutual Fund

Ngaphambi kokuba uthenge i-fund , uzakufuna ukuchitha ixesha elincinane ukufunda iisiseko kunye nokufunda isikhokelo seendlela ezingcono zokutshala imali kwimali. Impumelelo malunga nantoni na yonke into ofuna ukuyifeza iqalisa ngokukwazi ukuba yintoni oyenzayo nokwazi ukuba ungenzani.

• Musa ukugxininisa: Ukutshala imali ngemali ngokulula kulula kunokuba ucinge. Inxalenye enzima kakhulu ithatha isinyathelo sokuqala.
• Londoloza imali: Kukho amawaka eemali ezihlanganyelweyo kwindalo yonke kodwa ke bambalwa kakhulu abavumela abatyali-mali ukuba baqalise ngaphantsi kwama-$ 1,000. Izinketho zakho ziyakwandisa kakhulu xa ubuncinane i $ 3,000. Ngoko ukwakhela imali okungenani i-$ 1,000 ngaphambi kokuthenga iimali.

• Gcina kulula: Musa ukwenza izinto zibe nzima kunokuba zifuna ukuba. Abatyalomali abanamava (kunye nabathembekile) baya kukuxelela ukuba awudingi nayiphi na imali utyalo-mali okanye inani elikhulu leemali ezihlangeneyo ukuze uphumelele.

Cinga ngeeNgxowa-mali ezilungileyo kunazo zonke

Ukukhetha iimali eziphambili zokubambisana nabaqalayo akuyona into yokufumana abadlali abalungileyo bomhla.

Esikhundleni saloo ndlela, abaqalayo bayabulumko ukuba bazi iinjongo zabo zophuhliso kunye nezicwangciso zexesha elizayo kwaye balungiselele isicwangciso sexesha elide.

• Ukuthenga i-Money-load : I-fund ayikho mthwalo ayikhokhanga umthwalo , onokuba ngumkhomishini (phambi komthwalo) okanye umrhumo wokuthengisa othe wenziwa (CDSC okanye umthwalo wempendulo).
• Qala ngenye yeenkampani ezingenakuqhathaniswa neengxowa-mali : Kukho iinkampani ezininzi ezintle ezingenayo imithwalo yempahla, kodwa ezimbini zezona zilungileyo ziVanguard kunye ne-Fidelity.
• Ungaphinda usebenzise enye yeefayili zokurhweba ixabiso lokuphuhlisa : Abathengisi bezaphulelo njengeSwawa kunye neScottrade bangaba yindlela ekhohlisayo, eyindleko kubafakeli-mali ukufumana ukufikelela kumawaka eemali ezahlukileyo.
• Cinga ngee-S & P 500 Index Fund : Ukugcina izinto ezilula, nokucinga ukuba ungumtyalo-mali osisigxina, ungacinga ukusebenzisa i-index index efaka imali kwiikhampani ezinkulu kwi-United States. Unokuhlala ungeze kwipotfoliyo yakho kamva ukuze ufumane ezininzi iintlobo.

Qinisekisa Injongo Yotyalo-mali Yakho kwaye Qalisa Ukutshala imali

Ngaphambi kokuba utyalomali, kulungile ukuqonda ukuba kutheni utyalomali. Oku kubiza injongo yakho yotyalomali . Iyintoni injongo yemali yakho? Ufuna ukuba wenze ntoni? Unako ixesha elingakanani uze ufune le mali? Ingozi engakanani ozimisele ukuyithatha ukuze ufumane ukubuyisela okuphezulu ngaphezulu?

Ngaba ufuna ukuba imali yakho ikhule okanye ufuna ukugcina ixabiso layo langoku?

Iimpendulo kule mibuzo ziya kukunceda ufike ngexesha lakho lokutshala imali kunye nokunyamezeleka kwengozi , ezizinto eziphambili zokumisela injongo yakho yokutshala imali.

Emva kokuba uthathe onke amanyathelo angentla, uya kuqhagamshelana neenkampani ezikhethiweyo kunye nokhetho lwakho lokuqala. Unokwenza oku lula kwi-intanethi okanye ungabiza inombolo ye-toll mahala kwaye uthethe kummeleli.

Emva kokuthatha ezi nyathelo kwaye awukhululekile ukwenza izinto ngokwakho, jonga ukudibana nomcebisi-mali .

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.