Ukubala i-Risk Premium kunye Nento Ethetha Ngotyalo-mali Lwakho
Ingxaki kunye nolwalamano phakathi komngcipheko nomvuzo kukuba umvuzo uhlala ungumvuzo .
Akukho apha nangoku, kwaye ayifaki kwi-granite. Ukuba bekuqinisekileyo, bekungekho mngcipheko. Loo nto iya kuthathwa kwi-equation.
Ngoko ivela phi na abatyali-mali? Bayafuna indlela yokufumanisa ukuba umvuzo wabo kufuneka ube njani ukuze bakwazi ukutyala ngokufanelekileyo. Ngethamsanqa, kukho indlela ekhawulezayo kwaye kulula ukuyifumana ekufundeni umvuzo wokufumana imali ukuba ubone ukuba ihambelana nomngcipheko owenzayo.
Isinyathelo sokuQala
Isinyathelo sokuqala kukujonga ukuba "ukubuyiselwa engozini" ukubuya okwangoku kukhoyo kwimarike. Oku kutyalo-mali onokuthi ungabikho mngcipheko kwaye usebenza njengesiseko esilinganisweni sakho. Abanini-zimali abaninzi basebenzisa izibophelelo zebhanki zase-US kule nqaku lokubakho ngenxa yokuba baxhaswa ngokholo olupheleleyo kunye nekhredithi kaRhulumente wase-US.
Ukuba unako ukubuyisela inzuzo engabikho engozini ye-2 ekhulwini kwiibophelelo zentengo, ibe yinto yokuqala . Oko kuthetha ukuba nayiphi imali yotyalo-mali inomngcipheko kufuneka ibuyele ngaphezu kwama-5 ekhulwini ukuba ixabiseke.
Isixa sokubuyiselwa kwemali engaphezulu kweepesenti ezi-2 siyaziwa njengeprayimum yengozi.
Nasi umzekelo. Ukuba ukhangele kwisitokethi ngokubuyela kulindeleke ukubuyela kweepesenti ezili-11, i-premium yengozi yi-9 ekhulwini: ama-11 eepesenti angaphantsi kwe-2 ekhulwini afana ne-9% ye-premium yengozi.
Ngaba Kwanele?
Ngaba iipesenti ezili-9 ezaneleyo zengxowankulu yengozi yengozi ekhoyo ukuba le sitokethi esingeke iphumelele ukubuyela kulindeleke?
Mhlawumbi kukuba, ubuncinane kwi-stock-cap-stock cap. Kodwa kuthekani ngomncinci omncinci, osesikhwameni? Oku kungenako okwaneleyo kwipsummenti yengozi ukulungelelanisa umngcipheko osithathayo kunye notyalo-mali.
Isiphelo
Olu vavanyo olulula ngokuqinisekileyo aluyiyo kuphela uhlalutyo omele uyenze, kwaye kukho ezinye izinto ezichaphazelekayo. Isifundo apha kukuba kufuneka uhlale uzibuza ukuba inzalamizi yengozi ethile yotyalo-mali yenza ukuba kulungele ukukhwela imali yakho kwisitokethi esithile, okanye nayiphi na imali-mali kulo mbandela.
Kwaye kukho nento engenakuqhathaniswa nayo, ubuncinane ubuninzi be-number-your own aversion to or tolerance to the risk. I-premium ye-9% yemingcipheko yengozi ingaba ngaphezulu okanye ngaphantsi kunokuba unakho ngesisu esisithuthuzelayo. Kwaye ukuba utyalo-mali bekuyi-science eyiyo, sonke siza kuba nobutyebi.
Qaphela: Njalo qhagamshelana neengcali zezezimali malunga nolwazi oluphezulu kunye nolunye uhlobo. Eli nqaku alikho icebo lotyalo-mali kwaye alujoliswanga njengengcebiso-mali.