Ndagqiba isigqibo sokuthatha ezinye zeemfuno zeengxowa-mali zexakeka kwaye zizisebenzise ukugcina izinto endifuna ukuba zininzi - njengokuhamba.
Nantsi indlela endiyakhe ngayo i-fund yami yokuhamba kwinqanaba apho kunokwenzeka ukuba ndihambe phantse naphi na apho ndifuna, ukusuka kwindawo yokufuduka kwimihla emithathu ukuya kwi-cruise river long on the Danube.
Kutheni Ndisebenzisa iAkhawunti yeTyalo-mali
Okokuqala, ndisebenzisa i-akhawunti yokutshala imali kwi-fund yami. Le ndlela ingenako wonke umntu, kodwa isebenza kum. I-akhawunti yokutyalomali ehlawuliswayo ikuvumela ukuba ukhule isikhwama sakho ngesixa esheshayo. Andiyi kukhulula ukusebenzisa i-90/10 yokuthengwa kwempahla / ityhutyana endiyisebenzisayo Ndiyisebenzisela i-akhawunti yangexesha elide lotyalo-mali, nangona kunjalo. Esikhundleni sam, ndisebenzisa isahlulo se-65/35 se-stock / bond bond for more stability kwi-portfolio. Ulwabiwo lwam mali lufezwa ngokusebenzisa ii-ETF eziphantsi kweendleko.
Unokukhetha umthengisi wakho, kuba ininzi yazo ikuvumela ukuba wakhe iphothifoliyo yakho usebenzisa i-joint funds kunye ne-ETFs . Ndiyakuthanda ukusebenzisa ii-ETF zexabiso eliphantsi kweendleko kuba ufumana umgama omkhulu weemarike. Ukukwazi kwakho ukuthatha iholide akuyi kupheliswa ukuba omnye okanye amabini esitokisini.
Ndiyathanda ukusebenzisa i- robo-umcebisi kwi-akhawunti yam, kunokukhetha ii-ETF zam. Xa ndithe ndagqiba kwisabelo sam asethi , ukuphuculwa kwamanye amazwe, kubandakanywa ukungalingani ukugcina isabelo sam sabelo esikhethiweyo.
Hlela ngaphandle kweMali nganye ngenyanga
Njengoko unako nge- fund yexakeka , yenza isigqibo sokuba ungayifaka njani imali nganye ngenyanga kwesikhwama sakho sokuhamba.
Ekuqaleni, unokukwazi ukubeka eceleni isixa esincinci. Xa ndiqala kuqala, ndibeka i-$ 80 ngenyanga. Nangona kunjalo, njengoko ixesha liqhubekile kwaye ndakhulula imali engakumbi kwisabelomali, ndandisa into endibeka eceleni. Ngoku ndibeka imali engama-dollar 350 kwindleko yam yokuhamba nganye ngenyanga.
Yenze ngokuzenzekelayo ngoko akudingeki ucinge ngako. Ndisebenzisa isicwangciso sokutsalwa ngokuzenzekelayo ukuqinisekisa ukuba imali iya kuhamba kuyo, kungakhathaliseki ukuba yintoni enye eyenzekayo ukuze ndiphazamise. Ndiyakuthanda ukubukela i-fund yokukhula-kwaye wenze njalo kwisantya ngokukhawuleza kunokuba kuyenzeka kwi-akhawunti yokugcina imali.
Ukurhoxisa imali
Ngenxa yokuba i-akhawunti yokutsalwa kwetyala, awufanele uxhalabe malunga nezohlwayo zokuqala zokurhoxiswa kunye nezinye iifom ebomvu. Nangona kunjalo, inokuthatha iiveki (kwaye ngamanye amaxesha ngaphezulu) ukufumana imali ebhankini. Ndiya kujikeleza oku ngokusebenzisa ikhadi lekhredithi ukuhlawula ukuhamba kwam, kwaye ndivune imivuzo. Ndiyakwazi ukuhlawula imali efanelekileyo ye-dollar kwi-akhawunti yam kwaye ndiyisebenzise loo mali ukuhlawula ikhadi lekhredithi ngaphambi kokuba iintlawulo zenzalo zifakwe.
Andiyi kuphelisa ngokupheleleyo i-fund yami yokuhamba. Xa ndiqala kuqala, ndalungiselela iifutshane, iindleko ezincinci. Ndasebenzisa imali ukugcina iinkampu okanye ukuhlawula amahotele ekuhambeni kwendlela yokuphuka kwantwasahlobo kunye nendodana yam.
Ekugqibeleni, ndakhele ikhefu lokuhamba ukuya kwindawo apho, ngaphezu kweendlela ezincinci kulo lonke unyaka, mna kunye nonyana wam sinokuhamba uhambo olukhulu ngehlobo.
Imirhumo kunye neNgxowa-mali Yakho yohambo
Kwakhona kubalulekile ukulungelelaniswa nemiphumo yerhafu yokusebenzisa i-akhawunti ye-investment kwi-fund fund. Ukuba uthengisa ukuzuza, ekupheleni konyaka uza kuhlawulwa irhafu yentlawulo. Ingxowa yam yokuhamba iye yasungulwa ngokwaneleyo ukuba xa ndithengisa, kuyinzuzo yangexesha elide, ihlawulwe irhafu ephantsi. Kodwa lungele ulungelelaniso lweerhafu, nangona kunjalo kwiirhafu akufanele zibe zikhulu.
Ukuba uthengisa ngelahleko, unokubona inzuzo yerhafu. Kunyaka ophelileyo, ndathengisa inxalenye encinane kwipotfoliyo yam kwilahleko. Andizange ndiziva kakubi malunga naloo nto kuba ndandinayo imali eninzi kwi-akhawunti yam utsalo-mali, ndandinento endiyifunayo ukuba ndihlawule uhambo lwam, kwaye, ngenxa yokuncitshiswa kwentlawulo yokulahlekelwa kwe-investment irhafu.
Qinisekisa ukuba Unomonde wokunyamezela ngokomzwelo
Xa usebenzisa i-akhawunti yerhafu yokutsalwa kwe-fund yakho ye-travel (okanye nayiphina injongo yesikhatshane) kubalulekile ukuba ube nesisu esisisigxina. Kukho njalo unokwenzeka ukuba amatye emakethe ngaphambi kokuba ufuna ukuhamba eholide.
Unokungqongeza loo nto ngokuthobela iinyanga ezimbalwa. Ukuba i-marhwebo yenza kakuhle ezintathu kwiinyanga ngaphambi kokuba uhambe, kwaye unxhalaba malunga nokuba uhamba ngaphambi kokuba uhambe, cinga ukuhambisa imali oyifunayo kwikhefu ukuze ufumane imali. Abanye bahlala ekhondweni yokuhamba ukuze bathabathe ukukhula okubonakalayo, kwaye unokuthula kwengqondo ukuba uhambo lwakho lufakwe.
Indlela yokuhlawula i-akhawunti ye-akhawunti ye-akhawunti ye-akhawunti ayiyiyo wonke umntu. Kodwa ukuba unesisu kulo, yindlela yokugcina ikhefu ngokukhawuleza ngelixa ukwakhiwa kweenkunzi ezincinci, ukuhamba ngokukhawuleza endleleni.