Abatshali-mali abasemgangathweni babuza le mibuzo emi-6 phambi kokuhweba
Kukho imibuzo ekhethekileyo abacebisi abaninzi ababuza ngaphambi kokuthengisa. Ngokongezwa, abatyala-mali abaninzi okanye abaphumelele ngaphantsi kootyalo-mali bathambekele ekugqithiseni le mibuzo ebalulekileyo, mhlawumbi kutheni banenkathazo ekufezekiseni iimali ezingaphezulu.
Ngaba ukubuza le mibuzo iqinisekise impumelelo yotyalo-mali ? Akunjalongo noko. Kodwa baya kukukhokela ingqondo yakho kwicala elifanelekileyo ukuze wenze izigqibo zokurhweba ezongezelelekileyo.
Ukuba awuyi kubuza le mibuzo, ngaba utyalo-mali lwakho luya kulahleka? Akunjalo, kodwa unokuba usondele ekuthengiseni kwakho ukusuka kwinqanaba elingaphantsi. Oku kunokukhokelela ukuba wenze iinqunto ezingaphendukiyo kunye nazo.
Umbuzo 1: Yiyiphi ixabiso lokuqhuba abaqhubi beli xesha?
Izitokisiso ngabanye zinemikhosi ekhethekileyo ebonakalayo ehambisa amaxabiso, ngaphaya kweengcinga "ezingaphezulu" ezenziwa ngabantu abaninzi. Ngokuqhelekileyo, abaqhubi bexabiso bahluke kakhulu kunokuba abatshali-mali abaninzi bacinga ngokujonga kuqala.
Ngokomzekelo, abatyali-mali abasebenzisayo abanokuthi bakholelwe ukuba amandla kumashishini angaphantsi koko oko kukunyusa amaxabiso ezabelo. Nangona kunjalo, abahwebi abaphumeleleyo banokuqonda ukuba izabelo ezingundoqo zichaphazeleka kakhulu ngemisebenzi yabakhuphiswano ngokukhawuleza, njengenye yazo yokuqalisa umkhankaso omkhulu wokuthengisa okanye mhlawumbi ukuphuma kweshishini.
Ngoko umbuzo uba yiyiphi into ekutshintsha ngokwenene ixabiso lezabelo?
Kuphezulu, kunokubonakala ngathi yimiphumo yemali yenkampani, kunye nepesenteji yesabelo samashishini sonke esithatha ishishini. Nangona kunjalo, ngokujonga okuncinci, abatyala-mali abanokuqonda ukuba ixabiso liyakhula okanye liyancipha ngokusekelwe kwizinto ezinjengokutyunjwa komnye wabaphathi abalulekileyo, isiphumo sezemithetho, iimigaqo-nkqubo zorhulumente kunye neminye imithetho .
Kuphela ngokuqonda oko kwenzeni ukuchaphazela izabelo, ngaba uya kuzivula ukuze uhlalutye isitokethi kumaxabiso angcono (kumabini athengiweyo kunye nokuthengisa). Izinto ezicacileyo kwaye eziqhelekileyo zibaluleke ngokwenene, kodwa kunjalo ke amandla anengqiqo neengqiqo; migaqo ka rhu lumente; mvume ye shishini; ukungalingani kwezobugcisa; utshintsho kumalungu ekomiti yolawulo oluphambili; utshintsho kwiintlalo zoluntu.
Umbuzo wesi-2: Yintoni endiyilindeleyo ukuphumeza ngeSitokisi?
Oku kucinga nje ukucinga ngaluphi naluphi na umtyalo-mali. Xa uqala ukuthenga i-asethi, ngokuqhelekileyo kufuneka ube nokuqonda indlela okulindele ngayo ukuba izabelo ziza kwenziwa.
Ngokomzekelo, ngaba utyalo-mali kwi-stock senti ye-$ 2 iya kubakho kwixabiso le-investment yakho, okanye uzimisele nje ukudonsa kwi-10 okanye i-15 ekhulwini ngonyaka? Ngaba ulindele ukuba intlawulo iza kuhamba ngokubalulekayo kwiiveki okanye kwiminyaka emashumi?
Ukwazi iimpendulo kule mibuzo kuya kukunceda uhwebe isitishi kumaxabiso amancedo kakhulu. Ngokomzekelo, ukuba umbono wakho ngowokutsalwa kwetyala kumathathu kwiminyaka emithathu ezayo, uya kuba nexesha elide lokujonga - oku kuya kubakhokelela ekuqondeni ukuba unexesha elininzi lokutshala kwizabelo, kwaye akuyi kufuna ukukhawuleza.
Ngakolunye uhlangothi, ukuba inkolelo yakho kukuba izabelo ziya kwandisa ngexabiso ngelixesha elifutshane xa kukhutshwa iziphumo zabo zezimali, kuya kufuneka wenze ngokukhawuleza. Kufuneka uphinde uphendule ngokukhawuleza ukuba izabelo aziphathe ngendlela oye wulindele ngaphambili.
Umbuzo wesi-3: Ingaba lo Urhwebo unceda ukuba ndibe neminye imisebenzi?
Akunalo lonke utyalo-mali olwenziwa kuphela ngesiseko sezabelo ezinokunyuka kwixabiso. Kule nto, abatyali-zimali abaninzi bahlala behlawula izikhundla zabo ngezoqoqosho ezahlukeneyo.
Ukuhlanjelwa kukubandakanya ukuthenga i-asethi leyo eya kwenza ngendlela eyahlukileyo kwezinye iindawo zakho, okanye uncedise ukuxhomekeka ekungabikho phantsi kwazo. Ngokomzekelo, ukuba i-Federal Reserve iphakamisa iirhafu zentsingiselo, oku kulungile kumashishini asebhanki, ngelixa ngokuqhelekileyo libi ngenxa yexabiso lentsimbi exabisekileyo.
Ngaloo ndlela, ukuba unayo inxalenye ebalulekileyo kwipotfoliyo yakho echaphazelekayo kwimpahla yebhanki, unokufuna ukunikezela inxalenye yeedola zakho zokutshala imali kwigolide okanye ngesiliva. Emva koko, ukuba i-Federal Reserve ayikhulise amanani njengoko kulindelwe, iifowuni zebhanki zingancipha xa iinkampani ezinqwenelekayo zentsimbi zanda.
Lo ngumzekelo wendlu enhle, ngokuba iya kunciphisa ilahleko oye wayithatha kwiibhanki zebhanki ngokucwangcisa abo abanokwanda kwintengiso entsha. Uninzi lwezenzo zokuhlambulula zenzelwe ukunciphisa ilahleko eziza kuhlupheka ngazo, okanye ukubeka isikhundla sakho ukuze uzuze kwiziphumo ezahlukeneyo ezingaqinisekanga.
Kukho imizekelo emininzi kunye neendlela zokwehla. Indlela nganye iklanyelwe ukukhupha iphothifoliyo yakho kwi-volatility, kunye / okanye ukunciphisa ilahleko ezikhoyo. Cinga nje ngokubheja kumdlalo we-NFL - ungathi uCleveland uya kuphumelela umdlalo, kodwa unokubheka ukuba amanqaku amaninzi aya kuba ngaphantsi kwama-40, kwaye ukuba uCleveland akayi kwenza i-playoffs. Isicwangciso ngasinye sihluke kwindlela nganye yeepotfoliyo, kwaye ngamnye umtyalo-mali.
Umbuzo wesi-4: Iyini i-Momentum ye-Underlying Company?
Abanini-mali abaninzi basusela kwizigqibo zabo zokurhweba malunga nokuba bangafuni ubugcisa, iimveliso okanye iinkonzo zenkampani. Ngelishwa, kuba ngumqhubi womkhiqizo, nokuba loo mveliso ibaluleke kakhulu, akusona isizathu esihle sokutshala imali kwizabelo zenkampani.
"Eyona nto ibhetele" ayikho imali-mali yokuphumelela. Isiselo esityebileyo esithengisa kakhulu asiyena othanda ngakumbi kunabanye, iimvumi eziphambili akuzona ezo uva kwi-radiyo, kwaye i-teknoloji ephezulu ayikho yinto ephuma ngaphandle.
Kunoko, impumelelo ekukhuthazeni nasekuthengiseni imveliso okanye inkonzo inokubambisana nokuthunyelwa kwenethiwekhi kunomgangatho weempahla zenkampani.
Yingakho abatyali-mali abaphumelelayo babheka kuqala kwi-intanethi okanye ulawulo olusebenzayo lwenkampani ephantsi. Musa ukukhathazeka malunga nokuba imveliso okanye inkonzo yabo iphezulu kunabo abakhuphisana nabo, gxininisa nokuba ingaba inkampani inomsebenzi ophumelelayo kunye nenethwekhi yokubeka loo mveliso phambi kobuso babathengi abanakho.
Ngamanye amagama, beka ubunzima obuninzi ekusabalazweni ngaphandle kwemveliso . Ukuthengisa ngokubanzi, ukuqonda, kunye nokuhanjiswa kwenethiwekhi kuya kusoloko kuphuma umkhiqizo ongcono kakhulu ongenako ukufikelela phambi kwamehlo yabathengi.
Umbuzo wesi-5: Kule ndawo ekhethekileyo, ngaba yiyona Ikhampani ekhangayo kakhulu?
Ngokuqhelekileyo abatyali-mali ngabanye bathambekele ekuvuyiseni, okanye nokuba bawa thandane nenkampani. Emva kokuba bebeke ingqondo yabo kwishishini elinye, bavaliwe kuzo zonke ezinye ukhuphiswano kwiindawo ezifanayo.
Abanini-zimali abaphumelele ngakumbi baya kujonga nakwezinye iinkampani ezikhuphisanayo kwindawo efanayo, kwaye benze isigwebo sokuthi ngubani oya kusebenza ngokuphumelelayo. Uyakuthanda i-ABC Corporation, kodwa ke ufumene ukuba i-XYZ efakwe ngokwenene inemigangatho ephezulu yokufumana inzuzo, kwaye ityala elingaphantsi kwexesha elide.
Abatyalomali ngabanye bajonge ukuthenga inkampani ... okanye ukungathengi loo nkampani. Abathengi abaphumelele ngakumbi ekubandakanyekeni kwiindawo ezithile okanye imboni abayilindeleyo baya kwenza kakuhle, ngoko bakhetha ishishini kuloo shishini elinokubonakala lukhupha abanye.
Ngokomzekelo, ukuba uhlalutyo lwakho lubonisa ukuba iimveliso zeerobhothi ezithengiswayo kwi-intanethi ziya kukwanda ngokukhawuleza, kunokuba uphume kwaye uthenge inkampani yokuthengisa iirobhothi kwi-inthanethi, kufuneka ukhangele zonke iinketho uze ukhethe okulungileyo. Oku kunenzuzo eyongezelelweyo yokunika ithuba lokunyuka kweshishini elikhulayo, kunye nakwinkampani ethile ekufuneka yenze okusemgangathweni kwishishini lonke, ngelixa likhula ngobukhulu.
Umbuzo wesi-6: Ziziphi iingozi eziza kubakho abakhuphisana ngqo?
Uninzi lweenkampani zithintele ukhuphiswano, njengoMcDonald oya kunyuka kwiBurger King. Nangona kunjalo, ngokuqhelekileyo kukho ukhuphiswano olungakumbi nakwiindawo ezikhuphisana ngqo.
Kwimeko yethu yokutya okukhawulezayo, ukhuphiswano olungathanga ngqo lungavela kwimithombo efana nale:
- zokutya eziphezulu
- abantu badla bhetele ngexesha lokunyuka kwesaziso sempilo
- umendo kwizinto eziphilayo, zendawo, okanye i-veganism
Le mizekelo embalwa nje ngokukhawuleza, kodwa nayiphina impembelelo eyanciphisa inani labantu abaza kuba ngabathengi bebhishini ethile, kufuneka baphathwe njengomthombo wokuncintisana ngqo. Njengomnye umzekelo, ukukhubazeka kwesisindo somzimba siya kulwa neempembelelo ezinjengokungasebenzi kuzo zonke, iipilisi zokutya, ukugibela ibhayisikili okanye ukugijima, "i-lap-band" okanye "isitapu sesisu, kunye neeprogram zokusebenzela iDVD ezisekhaya.
Njengoko lo mzekelo wokugqibela, ukhuphiswano oluninzi olungathanga ngqo luya kuvela kwimozulu. Xa isantwa sondela, kunye / okanye ihlobo lifika, abaninzi abantu baninzi banokunyusa ukunciphisa umzimba. Kananjalo banokuzisebenzisa ngokulula ngokuhamba ngebhayisikili, ukunyuka kwamatye, okanye ukugijima xa isimo sezulu silungile.
Gcina uliso ngokukhuphisana ngqo kunye naliphi na inkampani, kodwa uqaphele nomthombo omkhulu ongasongela, nto leyo ukhuphiswano olungqalileyo. Kwidola nganye ekuthengiseni ibeka umngcipheko ngokuthi "uMtyholi uyazi," kukho iindidi ezininzi zeengxowanxu eziseengozini, "uMtyholi awuyi."
Isishwankathelo seMibono abaTyalo-mali abasemgangathweni Buza
Nangona ngokuqinisekileyo akukho uluhlu olupheleleyo lwemibuzo ebalulekileyo ekufuneka ibuze xa utyalo-mali , kuthethwa ukuba kuboniswe umahluko kwiingcamango zabathengi abaphumeleleyo xa kuthelekiswa nabatyalo-mali abaninzi. Ngokutshintsha indlela ojonge ngayo inkampani enomdla ekuthengiseni, kunye nemibuzo ozibuzayo malunga nokukhetha, unokuqala ukufumana ukubuyiswa okuphezulu xa kuthelekiswa noko ujwayele ukufikelela.
Gcina ezi ntlobo zemibuzo engqondweni, ukuze njengoko utyalomali ufumane ukucaca ngakumbi malunga nomsebenzi onokubakho kwiintengo zesabelo samasheya othengisa ngazo. Ekubeni ininzi (ininzi) yabantu abazange bahambe ngaphaya komhlaba xa kuziwa ekuphandeni nasekuhlalutheni amasheya, kukho ithuba elikhulu.
Ngokubona utyalo-mali olufanayo nabanye abantu, kodwa ngokucacileyo ngakumbi, uya kuba nenzuzo kwabanye abantu. Ngaloo "mphahla," uyazivulela ukuya kwimbuyekezo ephezulu, xa kuthelekiswa nento oye waphumelela ngayo ngaphambili, kunye nokuchasene neenzuzo (kunye nelahleko) zabantu abaninzi.