- Amasheya
- Bond
- Mutual Funds
- Izindlu ezithengiswayo
Siza kuthetha ngezinye iimbalwa ezichaphazelekayo, ezifana nezixhobo ezisemthethweni - iinkampani ezinobunzima obuphantsi kunye nokusebenzisana okuthe ngqo-apho abatyalomali bathambekele ekutyala imali kwizinto ezifana ne-hedge funds kunye ne-equity funds.
Amasheya kunye neBond
Ngaphandle kokungathandabuzeki, ukugcina amasheya bekuyeyona ndlela eyona nto ibaluleke kakhulu kwizakhiwo zokwakha. Kwaye kwiminyaka engaphezu kwekhulu, ukutshala imali kwiibhonkco sele kuthathwa njengendlela ekhuselekileyo yokwenza imali. Kodwa le mali isebenza njani?
Amasheya alula kakhulu: anesabelo sobunikazi kwinkampani ethile. Xa unayo isabelo se-Apple, umzekelo, unayo iqela elincinane lelo nkampani. Amanani esitokisi ayashintsha ngeenzuzo zenkampani, kunye noqoqosho ngokubanzi.
Xa uthengile ikhonkco, okwangoku, uboleka imali kwiinkampani okanye kwisiko elikhuphe. Kwimeko yebhanki yesikolo, umzekelo, uboleka imali kwisithili esikolweni ukwakha isikolo esiphakamileyo okanye ukuphucula iimeko zeklasi.
Ukuthenga isibophezelo esikhutshwe yinkampani kuthetha ukuba uboleka imali kuloo nkampani, engayisebenzisa ukukhula kwishishini.
Ukutshala imali kwiMatual Funds
Enye yezindlela ezithandwayo kakhulu zokufumana amasheya kunye / okanye iibhondi ngokudityaniswa kwemali. Enyanisweni, abaninzi abantu banamathuba amaninzi okuba bathathe iimali-mali ngokwazo ngaphandle kwezabelo zeenkampani ngokubambisana imali egcinwe kwi-401 (k) okanye i-Roth IRA.
Iimali zengxowa-mali zibonelela ngeenzuzo ezininzi kubatyalomali, ngokukodwa kubaqalayo abaye baqhelana nokusekwa kwemali-siseko. Ziyinto elula kakhulu ukuyiqonda kwaye ikuvumele ukuba uhlawule utyalo-mali lwakho ngaphezu kweenkampani ezininzi. Nangona kunjalo, iimali zengxowa-mali zineengxaki ezimbalwa kakhulu: zihlawula iirhafu, ezingadla kwiingeniso zakho, kwaye zinokunyusa ibhajethi yakho yerhafu, nangonyaka xa ungathengisi izabelo.
Investment Real Estate
Ihlabathi lizele abantu abaqinisekileyo ukuba i-real estate yintengiso kuphela eyenza ingqiqo. Ingaba ubhalisa kwiyofilosofi okanye hayi, kukho iindlela ezininzi kunokuba usongeze i-real estate kwi-portfolio yakho.
Ewe, unokuthenga indlu, okanye iipropati zokurenta. Kodwa unako ukuthenga ukhuseleko olubizwa ngokuba yi-real estate trust (REIT), edibanisa inzuzo yamasheya kunye nempahla ebonakalayo yomhlaba, izitolo zokuthengisa, izakhiwo zezindlu, okanye malunga nantoni na enye ongayicinga.
Izakhiwo zoTyalo-mali kunye namaQumrhu
Xa uhamba ngaphesheya kwamasheya, iibhondi, iimali eziphathekayo kunye nokuthengwa kwezindlu, udibana neentlobo ezahlukeneyo zezinto zokutshala imali . Ngokomzekelo, izigidi zabantu aziyi kuba negalelo lesitokisi okanye isibophelelo. Kunoko, batyala imali yabo kwishishini lentsapho, njengendawo yokutyela, ivenkile yokuthengisa, okanye impahla yokuqashisa.
Ewe, lawa ma shishini, kodwa kufuneka uqikelele utyalo-mali, kwaye ubaphathe ngokufanelekileyo.
Abanini-mali abanolwazi abaninzi abanokuthi batyale imali kwi-hedge funds okanye kwiimali zecandelo lobulungisa ngasese ngexesha elithile ebomini babo, ngelixa abanye baza kuthengwa izabelo zentsebenziswano ebambisene nomphakathi kunye nomthengisi wabo. Ezi zakhiwo zomthetho ezikhethekileyo zinokuba nempembelelo enkulu yerhafu kuwe, kwaye kubalulekile ukuba uqonde ukuba utyalo-mali kubo bobabini banokuzuza, kwaye banokulimaza i-pocketbookbook yakho.
Ukutshala imali kuqoqosho olubi
Yimvelo yehlabathi kangangokuthi ngamanye amaxesha izinto ezimbi zenzeka . Xa kwenzeka kwi-investment yakho okanye ukulondoloza, akudingeki ukwesaba . Ngamanye amaxesha, kufuneka uthaywe ngaphambi kokuba uphinde uhlawule imali, kwaye ubambelele kude kube yilapho ukupheliswa kwemali kukuphela kwesicwangciso esihle.