Fumana iSiseko ngokuPhambi kwakho Uqulunqe i-Portfolio yakho
Enyanisweni, yintoni esebenza kuyo kwiminyaka yakho-20 ingenakusebenza xa uneminyaka engama-70 kwaye ucinge malunga nokuseka imali yokuxhasa abazukulwana bakho.
Nazi le mibuzo emithathu omele uyiqwalasele ngaphambi kokuba uqale inkqubo yokwakha i-portfolio yakho.
Ziziphi iiKlasi zeAsset Uya Kugxininisa iifom zakho kunye na?
Zonke iiklasi zezinto eziphathekayo ziziphatha ngokuhlukileyo. Yingakho isicwangciso sokwabiwa kwempahla kubaluleke kakhulu. Ukulinganisela iingeniso ezikhuphisanayo kunye neentsilelo zeklasi ngalinye, kunye nokuqwalasela isidingo esinalo sokuhamba kwemali esisigxina, uya kuzisa isigqibo sakho malunga nendlela yokusebenzisa imali osebenza ngayo phakathi kwabo.
- Iimasheya zinikezele ngokuphindaphindiweyo ukubuyiswa kwexesha elide ngenxa yokuba zimelela ubunini bezobunini kumashishini athile athengisa iimveliso kunye nenkonzo. Ezinye zeenzuzo zihlawulwa njengeemali zentengo kwaye ezinye zibuyela kumvuzo ogcinwe kwi- balance sheet ukuxhasa ukukhula kwangomso. Ngelishwa, izitokisi ziyahlengahlengiswa kwimihla ngemihla kunye nexabiso leemarike zonyaka, ngokuphindaphindiweyo. Akuqhelekanga ukubukela ixabiso lemarike ecatshulwa yecandelo lokubamba kwakho kwehla ngo-30% okanye ngaphezulu ubuncinane kanye emva kweenyanga ezingama-36. Ubuncinane amaxesha amaninzi ebomini bakho, uya kubona ukugcinwa kwakho kwehla ngo-50% ephepheni ukususela kwinqanaba eliphezulu. Luhlobo lwaloo thuba. Kwiinkampani ezintle, ngenzuzo yangempela, oku akunakucingela.
- I-real estate yinto yesibini efanelekileyo yokubamba ixesha elide. Nangona kulukhuni ukukhula kakhulu kunokungena kwamandla emali, ngaphandle kokuba unelungelo lokubamba indawo kwiindawo ezinemihlaba enjengeSan Francisco okanye eNew York apho ukubonelela kunqongophe kwaye ukukhula koluntu kuyaqhubeka nokuqhubela phambili, ngokuqhelekileyo kuqhubeka nomlinganiselo wokunyuka kwamaxabiso kwakunye nokulahla imali eninzi enokuyibuyisela, ukuyigcina okanye ukuyichitha. Kuba abatyali-mali bathuthuzela ukusebenzisa ubuncinane bendlela yokubolekwa kwemali, i-dollar ebulungiseni inokuqhubeka ngakumbi njengoko iya kukuvumela ukuba uthenge i-$ 2 okanye i-3 yexabiso lepropati. Oku kunokubangela ukuba i-bankruptcy if things go south, kodwa umninimzi onobuqili noqilileyo uyakwazi ukulawula ingozi yakhe.
- Iimali kunye neziqinisekiso zokubambisa iingeniso ezimileyo zimela ibango lezomthetho kwimveliso yenkampani enelungelo lokubuyiswa kwemali eboleweyo (inqununu) kunye "nerenti" kwimali (inzala) ngelixa ixesha le nkampani lisisebenzisa. Iibhondi zineendlela ezikhuselekileyo zokukhusela kuzo ukuba kungakhathaliseki ukuba ixabiso liyanciphisa kangakanani, ngelixa iqumrhu elingaphantsi lifumana imali yokuhlangabezana neembophelelo zalo, uya kuhlawulelwa ngomhla wexesha lokukhula. Ngelishwa, xa izinga lokunyuka kwamaxabiso likhawuleza, ukubaluleka kwedoli nganye ezayo othembisayo kunciphisa ngokwemigangatho yokuthenga amandla. Oku kuya kuphazamisa kwiibhondi ezide ezide ezide zitshintshelwe kwiminyaka engama-20 okanye engama-30.
- Iimali kunye nokulingana kwemali , kuquka iifom yebhanki eqinisekisiwe ye-FDIC kunye nee-bhatshane zexesha elifutshane le-Nondyebo , ziphakathi kweeklasi ze-asethi ezikhuselekileyo kwiipotifoliyo zokutshala imali njengoko zibonelela ngepowder eyomileyo ukukhetha i-stocks ezincinci, izibophelelo kunye ne-propati ngexesha lokuphazamiseka okanye hlawula zakho iindleko ngethuba leSibini ukuDakumba okukhulu, kodwa abuyele nantoni na. Enyanisweni, kuxhomekeke kwendlela obeka ngayo imali, unokude ulahlekelwe amandla okuthenga emva kokunyuka kwamaxabiso. Oku akuzange kube yimeko njalo kwaye ngokuqinisekileyo ayiyi kuba ngonaphakade. Umhla uya kubuya ukhangele i-akhawunti kunye nokugcinwa kwee-akhawunti kuza kuvelisa inzala engenayo inzuzo, kodwa akukho nto ichaza ukuba lo nyaka unyaka okanye iminyaka elishumi kwixesha elizayo.
Ngaba Uya kubeka phambili phambili kwiCash Flow kwi-Growth Term?
Ngaphandle kweeklasi ze-asethi, ezinye iimali-mali zilima umvuzo wazo emva kokwandiswa kwangaphambili xa abanye besasaza ininzi yengeniso ngendlela yokubambisana ngokubambisana okanye izabelo zemali. Omnye unika imali onokuyisebenzisa namhlanje, enye ingathetha umvuzo omkhulu emva koko. Ngaphezu koko, nokuba ezo nkampani ezihlawula igalelo zingaba isithuthi sokukhula kwexesha elide ukuba ukhethe ukuhlawula izahlulo kwizabelo ezininzi; ngaphezu kwemashumi eminyaka, umahluko phakathi kokubuyisela kwakhona kwaye ungayi kubuyisanga imali engenayo isabelo .
Umtyalo-mali ohluke kakhulu oba ngumnini kwishishini elifana neKraft Foods, elininzi, edibeneyo, kwaye likhula ngokukhawuleza ngoko lihlawulela ininzi yengeniso yalo kunye nomntu onokuba ngumnini e-Amazon, ogcine imali yayo yokwandisa ukuya kuma-e-read devices, i-digital movie, umculo wedijithali, ukutya, ama-bulbs kunye nezicathulo.
Oku kufana nokutyalomali kwezindlu. Ezinye iiprojekti, ngakumbi ezo zisebenzisa umlinganiselo okanye ezibandakanya ukuphuhlisa iiprojekthi ezintsha, zinokufuna ukuhamba kwemali eninzi ukuze kugcinwe ngenxa yokwakha ubulungisa kodwa kunokuhlawulela ekugqibeleni, ngelixa abanye benganikeli ithuba lokubuyisela imali, ezifana nesakhiwo esinokwenziwa ngenzuzo kodwa esakhiwe kwindawo engenakwandiswa.
Ubunjani Ubutyebi Bakho?
Ubutyebi kubaluleke kakhulu nokuba bufike ngaphambi kokubuya kakuhle. Ziziphi iimfuno zakho zobutyebi? Yintoni oya kuyidinga ukuba uthethe ubutyebi obubeke bucala? Ukuba ungananto ubuncinane kwiminyaka emihlanu, ama-stocks kunye ne-estate (ngaphandle kwemisebenzi ekhethekileyo okanye i-arbitrage) aphelelwe ngumbuzo.
Abanye abatyali-mali balandela imithetho jikelele yesithupha, njengoloko begcina ubuncinane i-10% yeepotfoliyo zabo ngokulinganayo kwemali ngenxa yexabiso. Ngaphandle kokukhetha ixabiso lempahla ephantsi kwizabiwo eziphezulu, njengokuba ungaligcinanga ngaphantsi kwe-25% yeemali kwiibhondi eziphezulu. Impendulo echanekileyo kuxhomekeke kwintengo onokuyifumana ngexesha kunye nenjongo onayo kwipotfoliyo yakho.