Ukubetha i-Stock Market kwi-3 elula
Iingxenye ezingaphezu kwesigxina "zokubetha kweemarike" ziquka i-hocus pocus, njengesihloko sokufunda kunye nezinye izibonakaliso zexesha leemarike, ezingayi kusebenza ngaphandle kwexesha elide.
Ngoko abaninzi bethu benza konke okusemandleni ethu ukwenza izigqibo zokutshala imali ngokusekelwe kwiindaba esizifundayo malunga noqoqosho, iziganeko zehlabathi kunye nemakethe yemasheya. Kodwa nangona kunjalo sisetyenziselwa ukuhluleka; Abalobi bavakalelwa iimbali kwaye bafumana izigqibo ezivela kwiimeko ezizenzekelayo. Iimveliso zogcino-mpepha zijolise ukuxhaphaza ukwesaba kunye nokrakra ukuze siqhubeke sifunda amanqaku, kungekhona ngoko siya kwenza izigqibo zobulumko. Ekugqibeleni, zonke ezi zinto zibangela ukuba abatyalo-mali balahlekelwe kwiimarike kwaye, ekugqibeleni, baqiniseke ukuba imarike yesitokhwe nje ingumngcipheko.
Kodwa kuthekani ukuba ndakuxelele kukho indlela ehlekisayo yokubetha imakethe yemasheya kumanyathelo amathathu alula? Eqinisile, uyakwazi ukubetha i-marhwebo, kwaye akudingeki ukuba ube namava emali ukwenza loo nto. Nantsi indlela esebenza ngayo:
Inyathelo 1: Ungaze uthengise
Uphando olutshanje lubonise ukuba, ngaphezu kwexesha eli-30 leminyaka, ubuninzi beempahla zentengiso zenzeke kwiintsuku ezilishumi nje.
Abatyalomali ababengaphandle kwemarike ngaloo mihla elishumi babona ukubuyela kwabo kuhlahlela malunga ne-4%!
Impendulo yam kule ngxaki? Ungaze uthengise. Hayi ngokukodwa, qhubeka utyalo-mali ngokupheleleyo kwiimarike kude kube ngumhlala-phantsi (okanye nayiphi na injongo yakho yexesha elide lezezimali). Ndiyazi into ocinga ngayo: kuthekani ukuba ioli iyancipha kwiinyanga ezintandathu ezizayo, okanye kuthini ukuba ingxelo yengqesho yenyanga?
Inyaniso kukuba, ihlabathi liyinkimbinkimbi ukuba ukwazi ukuba yiyiphi ioli, i-market market, okanye even stocks iya kuhamba ngokufutshane . Ngaphezu kweyiphi na iminyaka emithathu, nantoni na iyakwenza kwaye iya kwenzeka kwintengiso yemasheya.
Nangona kunjalo, xa ukhangele ukubuya kwamasheya ngaphaya kwexesha elide, kuyacaca ukuba malunga neyona nto into eqinisekileyo kukuba izitokisi zivame ukunyuka (kwaye zibethe ukunyuka kwamaxabiso) ngaphezulu kwexesha.
Ngaphezulu kweeminyaka emashumi, zonke iipunes kwi-chart yeminyaka engama-50 yeshishino yemasheya zithengisa. Ndicinga ukuba uthetha konke. Cinga ngezizathu zokuba abantu bathengise iimpahla kwiminyaka yamuva nje - i-S & P yokwehliswa kwe-credit rating yase-US, i-Yurophu, i-plailing ceiling - konke kubonakale kuyintlekele ekuqaleni, kodwa ngokuhamba kwesikhathi bayaphela kwimigqithiselo.
Inyathelo 2: Inkcazo
Ngokuqinisekileyo, eli yi-website ye-stock yokuthengisa kunye (ngokucacileyo) Ndiyakuthanda ukukhetha amasheya okuthengisa . Kodwa indlela eqinisekisiwe yokusebenzisa iimarike zexesha elide lizuze ngokuthenga i- index index . Imali yenkcazo yemali ilawulwa ngokunganyanzelwanga, umrhumo ophantsi, iimali ezijolise ukutshatyalalisa ukubuyiswa kwemarike. Ulwahlulo lweengxowa-mali lubonelela ukhuseleko olongezelelweyo kubanini-mali abatsha abangasetyenziselwa ukuthengisa xa behla.
Emva kokuba ukhululekile ngokutsalathisa, ndincoma ukuba bonke abatyali-mali bathathe inzuzo ngokugqithiseleyo kokuthengiswa kwempahla kunye nokuthengwa kwempahla yabathengi ngokunika isahlulo esincinane seqanda labo kwi- ETF .
Cinga ngale mali njengengqamaniso yazo zonke iimpahla, ezinokubangela umlilo kwi-portfolio yakho ngexesha elihle. Ngokomzekelo, i-ETDR ye-ETF ye-Retail Sector iye yaphindwa kabini kwimbuyekezo ye-S & P ukususela ekuqaleni kwayo!
Le ndlela elula ye-punch indexing isicwangciso esincinci kubatyalo-mali abaninzi. Ukuba unesiqiniseko sokuthi unesimo sokubamba iimpahla zentengiso ngexesha lokuthengiswa kweentengiso, ngoko ukuthenga ezimbalwa kungabulumko. Nangona kunjalo, abatyali-mali abaninzi baya kufumana ukunyanzela kwisinyathelo soku-1 lula ukuba iphothifoliyo yabo inokukhuselwa kweemali zenkcazo.
Isinyathelo 3: Thenga kwi-Dips
Ewe, ixesha leemarike yinto engalunganga. Oku kuthethi, ngokungakhathaliseki ukuba ukhangele ixesha lakho "ngaphandle kweemarike" (khumbula umthetho 1), akukho nto iphosakeleyo ngokungongeza kwizikhundla zakho xa imarike ibuyisela ngokukhawuleza. Ukuba awuze uthengise, bambelela kwiinkcukacha zenkcazo, kwaye uthengele xa kuthe xa kuthengiswa imarike, kufuneka uchithe inzuzo yemarike.
Isicwangciso esilungileyo kumlinganiselo weendleko zedola kunye neenkcukacha zenkxaso nganye ngenyanga, imvula okanye ukukhanya. Emva koko, xa imarike ibuyisela emva kwe-10% ngenyanga, yenza ngokuphindaphindiweyo umnikelo wakho wale nyanga. Ngaphandle koko, zama ukuzingela ngaphezu kweemali zakho okwenzayo ukusondela kumhlalaphantsi.
Ngaba Ngaba Oku Kulula?
Ngaba kube lula ukubetha imarike? Ewe kunye no. Khumbula, ubuchopho bakho buya kwenza esi sicwangciso esilula. Ngelishwa, ngeminyaka yokuziphendukela kwemvelo, siye sazinzima ukulandela izihlwele, ukuphulaphula iingcali, kwaye usengozini. Nangona ezi zinto zisixhasa kakuhle kwizinto ezininzi zokuphila, zenza utyalo-mali oluphumelelayo.
Yisona sizathu sokuba kutheni abatyala-mali abambalwa bafanise ukubuya kuka-Warren Buffett, nangona isicwangciso sakhe sisetyenziswe ngokucacileyo ngokulula. Kwimfundiso, ukugcina iimpahla zexesha elide liba nengqiqo. Kodwa xa i-rubber ihlaselwa kwindlela, sifuna ukuzityeba ngokukhawuleza nangokukrakra rhoqo xa iimarike zidibanisa.
Ngoko esi sicwangciso siza kuhlola umonde wakho kunye nesimo sengqondo ngaphezu kwe-IQ yakho. Oko kuthetha, ndiyakholwa ukuba uthengisa i-S & P kunye ne-index index yokuthengisa, ukongeza kwisithuba sakho ngexesha lokudibanisa, kwaye ungalokothi uthengise enye yeendlela ezilula ukubetha i-marhwebo. Kufuneka isebenzele wena ukuba uyayivumela.