Iindlela ezigqwesileyo zokutshala imali zilula
Zonke iimpawu eziphezulu ze-investors ziphumelele kule migaqo elula kwaye inenzuzo yokutshala imali kwiimali zentengiso.
Gcina Ixesha elide lokujonga
Mhlawumbi uye wakuva iingcebiso malunga "nokutyalombela ixesha elide" okanye ukuba umonde ungenye yezinto ezintle kakhulu zokutshala imali.
Uvile kakuhle!
Xa uphando kunye nokuhlalutya utyalo-mali, ingakumbi imali-mali, kulungile ukujonga ukusebenza kwexesha elide, enokuthi ithathelwe ingqalelo kwiminyaka eyi-10 okanye ngaphezulu. Nangona kunjalo, "ixesha elide" lidla ngokusetyenziswa ngokubhekiselele kwixesha elingaphantsi kwexesha elifutshane, njengonyaka omnye okanye ngaphantsi. Oku kungenxa yokuba amaxesha omnyaka owodwa awubonakali ulwazi olwaneleyo malunga nokusebenza kwemali yesikhwama okanye umphathi wezikhwama ukulawula iipotfoliyo yokutshala imali ngemjikelezo opheleleyo weemarike, eziquka ixesha lokunciphisa imali kunye nokukhula kwaye kubandakanya imarike yenkomo kwaye ithwale imarike . Umjikelo ogcweleyo weemarike udla iminyaka emithathu ukuya kwemihlanu. Yingakho kubalulekile ukuhlaziya ukusebenza kwiminyaka emithathu, iminyaka emihlanu kunye neminyaka eyi-10 yokubuyiswa kwengxowa-mali. Ufuna ukwazi ukuba le mali iyenze ngokubini kunye nokuhla kweemarike.
Sebenzisa iSicwangciso sokuThengisa nokuThola
Umbono oyingqiqo ngokutyalomali kukuba "ixesha kwiimakethi liphantse libethe ixesha lokuthengisa." Kuthetha ukuthini oku kuthetha ukuba izicwangciso zangexesha elide zihlala zibetha ixesha elifutshane.
Yingakho abatyali-mali bexesha elide badla ngokusebenzisa isicwangciso sokuthenga nokubambisa, abathengisa ukugcina izityalo-mali kunye nokubamba ixesha elide ngenxa yokuba umtyalo-mali ukholelwa ukuba ukubuya kwexesha elide kunokuba kunengqiqo nangona kubonakaliswa kwexesha elifutshane. . Esi sicwangciso sichasene nexesha elifanelekileyo leemarike , ngokuqhelekileyo kunomthengi ukuthenga nokuthengisa ixesha elifutshane kunye nenjongo yokuthenga ngamaxabiso aphantsi nokuthengisa kumaxabiso aphezulu.
Ngaphezulu, umnini-mthengi-mthengi uthenge ukuba ukubamba ixesha elide kudinga ukuthengisa okungaphantsi kwamanye amaqhinga. Ngoko ke iindleko zokurhweba ziyancishiswa, eziza kukhulisa i-net net return of portfolio.
Gcina rhoqo ngeDola-Iindleko zokulinganisela kwiiNkxaso zeMali
Ngamanye amaxesha kuthiwa isicwangciso sotyalo-mali , inkqubo ye-dollar-cost-average (DCA) isicwangciso sotyalo-mali esisebenzisa ukuthengwa kwezabelo zotyalo-mali rhoqo kwaye rhoqo. Ixabiso leqhinga le-DCA kukunciphisa iindleko ezipheleleyo kwisabelo ngasinye sotyalo-mali (s). Ukongezelela, ezininzi izicwangciso ze-DCA zisekwa ngokusetyenziswa kwexesha elizenzekelayo. Umzekelo uquka ukuthengwa rhoqo kweemali ezihlangeneyo kwi-401 (k) icebo. Esi sizenzekelayo sisusa amandla otyalo-mali ukuba enze izigqibo ezingalunganga ngokusekelwe ekuphenduleni kwemizwelo kwiimarike.
Cinga ngomzekelo olula we-DCA apho umtyalo-mali uthengisa inani elilinganayo le-dollar ngokutsalwa kweenyanga kwinyanga ezintathu. Ixabiso lentengo litshintsha ngokukhawuleza ukusuka kwii-10 ezili-ngenyanga ngenyanga, uze ufike kwi-$ 9 ngenyanga yesibini, uze ufike kwi $ 10.50 ngenyanga yesithathu. Ixabiso lentengo yokuthenga nganye isahlulo se-9.83 [(10 + 9 + 10.5) / 3]. Ukuba umtyalomali wathenge amasheya kwisamba semali ngenyanga okanye enye inyanga, uya kuba neesabelo esincinci (kunye nexabiso elingaphantsi kwamaxabiso edoli).
Nangona kunjalo, i-DCA yamvumela ukuba athenge amasheya angaphezulu njengoko ixabiso liye lahla kwaye ithatha inxaxheba kwimali njengoko ixabiso lihambele phezulu.
Ngokulinganayo kubalulekile, uhlobo oluzenzekelayo lwe-DCA yomtyalo-mali luye lwasusa isimo sengqondo sokuthenga ngamanani aphakamileyo kwaye kuthengisa ngamanani aphantsi, okuphambene nesicwangciso sotyalo-mali.
Yakha i-Portfolio eLazy ye Index Index
Iphothifoliyo yelivila iqoqo lotyalo-mali oludinga kakhulu ukugcinwa. Kucingwa njengesicwangciso- mali sokusondeza , esenza iiphothifoliyo ezinobuhle zifaneleke kubaxhasi-mali bexesha elide kunye neehorizons zexesha elingaphezu kweminyaka eyi-10. Iiphothifoliyo ezinobuqili zinokuthathwa njengento yokuthenga nokugcina isicwangciso-mali-mali , esenza kakuhle kubaphathi-mali abaninzi kuba kunciphisa amathuba
yokwenza izigqibo eziphosakeleyo ngokusekelwe kwimvakalelo yokuzibulala, njengokwesaba, ukukrakra nokukhathazeka, ngokuphendula ngokungalindelekanga, ukutshintsha kwexesha elifutshane.
Iipofofoliyo ezintle zetekisi zikwazi ukufumana ukubuyisela ngaphezu kwe-average ukubuyisela ngelixa zithatha ingozi engaphantsi kwe-average ngenxa yezinye izinto eziphambili ezi zinto zilula, "uyibeke kwaye uyibale" isicwangciso.
Nasi umzekelo wepotfolio, onokuzakhela ngeemali ezintathu kuphela ezivela kwiVanguard Investments:
40% Yonke i-Stock Market Index
I-30% Yonke iNkcazo yeeNkcukacha zamazwe ngamazwe
30% I-Index yeBond Market Index
Ukuze ezinye zilandele le ngqamaniso: Imizekelo yeLazy Portfolio
Ukuhluleka kwePortfolio yakho
Ukubuyiselwa kwemali kwipotifoliyo yezixa-mali zomntu kuphela ngumsebenzi wokubuyisela ukunikezelwa kwezinto ezikhoyo ngokutsha kwizabelo zokutsalwa kwezolimo. Ngako oko ukuhlaziywa kwemali kuya kufuna ukuthenga kunye / okanye ukuthengisa izabelo zabanye okanye zonke iimali zakho zokubambisana ukuze uhlawule ipesenteji ezabiwe emva. Ngamazwi ahlukeneyo, ukuhlaziywa kwemali kubalulekile kwimiba yesondlo yokwakha iphothifoliyo yeemali eziphathekayo , njengokuba utshintsho lweoli okanye ukulungelelanisa kukugcinwa kweso sithuthi sakho.
Ingcamango yokuphindaphinda ilula kodwa ixesha kunye nexesha lokuphindaphinda liyakongeza isicwangciso esithile kwinkqubo. Enyanisweni, abatyali-mali abaninzi benza ukubethelelana kunzima kunokuba kudingeke ukuba. Abacwangcisi bemali kunye nabaphathi bemali bahlala bexubusha malunga nokuba kaninzi kangakanani umtyalo-mali kufuneka ahlukane. Ngaba kufuneka kube njalo ngenyanga, ngekota, ngonyaka okanye into ehlukile? Ngaphambi kokuba uphendule lo mbuzo, makhe siqwalasele izinto ezisisiseko zokubalanisa.
Ukungalingani, uyenzela uqeqesho olufanelekileyo ukuba ubuyisele imali yakho yokubambisana ekujoliswe kuzo. Ngokomzekelo, ukuba usebenzisa i-pozy potifoliweyo ngasentla, uza kubeka ngokuthe rhoqo ukuthenga okufanelekileyo kwaye uthengise amashishini ukubuyisela ukwabiwa kwakhona kwi-40% Yonke i-Stock, i-30% Yonke i-Stock ye-Intanethi, i-30% Yonke iMarike yeBond.
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.