Khangela iiShishini kunye nokuPhumela okuKhuselekileyo kunye neZindleko ezincinane zeMveli.
Amasheya anokunyaniseka okuphezulu asemngciphekweni kulabo abatyali-mali abasondele kwiminyaka yobudala, ngenxa yokulahlekelwa yimali ngokukhawuleza.
Nangona kunokwenzeka ukwenza imali kwiimpahla ezinokungahambisani nokunyaniseka xa kulungile ukuba iindleko zentlawulo zilungele, ininzi-mali-mali-mali abatsha bafuna ukufumana iisitishi ezinokungabi nanyaniseki kunye neengxelo zokulandelelana.
Amasheya anokungabi nantoni ephantsi ayisoloko elula ukuyibona, kodwa inokufumaneka ngokude uqonda kakuhle ukuba yiyiphi intsingiselo kunye nokuba ingahlolwa njani.
Iindlela eziSiseko zoThathaka
Ukukunceda ukucacisa ukungabi nantoni kunye nokuba kutheni kubalulekile, makhe sihlolisise amabhonkco amabini okucinga kunye neminyaka emihlanu yokubuyisela.
Inkampani A:
Unyaka 1: +12 ipesenti
Unyaka wesi-2: -5 ekhulwini
Unyaka wesi-3: Iikhompi ze-+18
Unyaka we-4: -11 ipesenti
Unyaka: 5: +21 ekhulwini
Le nkampani ine-average, okanye ithetha, ukubuyela ngonyaka kweepesenti ezingama-7. Kodwa, njengoko ubona, ukubuya akuhambisani nonyaka.
Inkampani B:
Unyaka 1: 7 ipesenti
Unyaka wesi-2: iipesenti ezili-9
Unyaka 3: ama- 5 ekhulwini
Unyaka we-4: 6 ipesenti
Unyaka wesi-5: 8 ipesenti
Imbuyiselo yonyaka yale nkampani yesibili ibonakala ihluke kakhulu kuneNkampani A, kodwa ukubuyela kwekota ngonyaka kuyafana.
Zomibini zezi zifuba zinemivuzo ephindwe ngonyaka ye-7 ekhulwini, kodwa inkampani yokuqala yinto engapheliyo.
Kutheni le nto? Ngenxa yokuba utshintsho olukhulu kwiimbuyekezo zonyaka lungaba nefuthe elingavumelekanga kwixabiso eliqingqiweyo lotyalo-mali.
Makhe sihlolisise ezi nkampani zengcamango kwakhona, sicinga ukuba utyalomali lwama-$ 1,000 ukuqala.
Siza kujonga inani elipheleleyo lemali oza kuba nayo ekupheleni konyaka ngamnye, ngokusekelwe kwimbuyekezo ephezulu.
Inkampani A:
Unyaka 1: $ 1,120
Unyaka wesi-2: i-$ 1,064
Unyaka 3: i-$ 1,255
Unyaka wesi-4: i-$ 1,086
Unyaka wesi-5: i-$ 1,314
Inkampani B:
Unyaka 1: $ 1,070
Unyaka wesi-2: i-$ 1,166
Unyaka 3: i-$ 1,224
Unyaka wesi-4: i-$ 1,297
Unyaka wesi-5: i-$ 1,400
Njengoko ubona, abatyali-mali kwiNkampani B banemali emininzi ekupheleni kweminyaka engama-5 kunabo abo batyala imali kwiNkampani A. Kungenxa yokuba xa inkampani ilahlekelwa yimali ngomnyaka owodwa, kufuneka ifumane imali engaphezulu kunyaka ozayo. ukwenza ilahleko.
Abatyalomali kwiNkampani B abazange baphele kuphela ngemali emininzi ekupheleni, abazange bajongane neempembelelo ezibuhlungu zokubukela isitokhi senyukela phezulu. Ukongezelela, umnini-mali osondeleyo kwixesha lokuthatha umhlalaphantsi, ngokwenene, akafuni ukubona nayiphi na imali yotyalo-mali ehla ngokukhawuleza, njengoko banokukhetha ukuba bathathe umhlalaphantsi ngaphambi kokuba intengo yesitoko inethuba lokubuyisela.
Ukunquma ukunyanzelisa
Akusoloko kunzima ukucacisa ukuba i-stock ishicilelwe kangakanani. Unokuhlola ixabiso lempahla kwaye ubone indlela ehamba ngayo kwaye iphantsi, kodwa oko kunomsebenzi othobekileyo xa uyijonga ngaphandle komxholo. Xa kuhlolisiswa ukungabi nantoni, kubalulekile ukuqwalasela ukungahambisani nezinye izitokisi kumashishini afanayo nakwamacandelo, kunye nokunyuka kwi-market.
Ngethamsanqa, kukho imilinganiselo yangempela yokutshatyalaliswa okunokukunika umfanekiso ojoliswe kuyo. Ndiyathanda ukujonga umlinganiselo obizwa ngokuthi "i-Beta," ongayifumana xa uphando kwi-stock inthanethi. Kwiimeko ezininzi, isibalo seBeta sichaza nje ukungahambisani nenkampani kwi-S & P 500 Index, elandela iinkampani ezinkulu kwiimarike zamasheya. Umlinganiselo we "1" uthetha intengo yesitokthi idlulela phantse ngokungqinelanayo kunye neS & P 500 . Umlinganiselo we "1.25" ubonisa ukuba ngama-25 ekhulwini awaneliseki ngaphezu kwesalathisi.
Xa ubeka uluhlu lwezitshixo, iifayile ezininzi ze-intanethi ziza kubonisa i-Beta kwinkampani, kodwa kunye ne-Beta yaloo shishini. Ngokomzekelo, ngo-Apreli 2018, i-Apple ibonise iBeta ye-1.03, eyenza ibe yintsholongwane ngakumbi kune-S & P 500. Kodwa i-Beta ye-beta ye-teknoloji yenkcazelo ye-teknoloji i-1.27.
Ngaloo ndlela sinokuthi i-Apple iyancipha ngaphezu kweemarike zentengiso ngokubanzi, kodwa iyancipha ngaphezu kwezinto ezininzi zobugcisa.
IiNkcazo eziNcinci
Amanye amacandelo kunye namashishini, ngokwemvelo, awanelisekanga kunabanye. Izitokisi zeTech , umzekelo zivame ukuba zinyanzelise ngakumbi kunezinto ezisetyenziswayo. Kuyafaneleka ukuba uqaphele ukuba iinkampani ezininzi zivame ukuba nezindleko ezincinci zentengo kunamancinci.
Abacebisi abaninzi bezezimali babhekisela kwicandelo lokuxhamla umthengi njengomnye onokuzithemba okuncinci kunye neentlawulo ezinamandla. Eli candelo liquka iinkampani ezivelisa iimveliso eziyimfuneko esisetyenziswayo imihla ngemihla, njengezinto zasendlini, ukutya kunye nokusela. Ngenxa yoko, ezi nkampani aziboni ukuguquka kwamasango emvuzo, ngoko ke amaxabiso abo esitokisini aguquki, mhlawumbi.
Eyaziwayo eziNcinci-zintengiso
Kule minyaka, kukho iindawo ezimbalwa zeesitokethi eziye zafumana ukubuyiswa okulungileyo ngaphandle kokutshintsha kwexabiso langaphandle. Uninzi lwazo iinkampani eziyaziwayo eziye zadlulayo ixesha elide kwaye zilawulwe ngamashishini abo.
Ziquka:
I-Procter kunye neGamble [i-NYSE: PG]: Omnye wabantu abathintekayo kwicandelo labathengi be-staples kunye ne-Beta kude ngaphantsi kwe-average.
I-Coca-Cola [i-NYSE: KO]: Enye inkampani ephantsi-beta eye yahlala ngonaphakade kwaye ayidla ngokukhawuleza. Kukho isizathu sokuba iWarren Buffet ibe neenkulungwane zezigidi zezabelo zeCoke.
I-Lockheed Martin [i-NYSE: i-LMCO]: I-kontrakta enkulu yehlabathi ekhuselekileyo yenzeke ibe ngumdlali ozinzile kunye nexabiso layo lesitokethi ayilungelelaniso oluphambili.
I-Rockwell Collins [NYSE: COL]: Elinye iqela lezokukhusela kunye nezoshishino kunye neempatho eziqhubekayo kwaye, kunye nenye yeenombolo ze-beta eziphantsi kakhulu phakathi kweenkampani ezinkulu.
Izindlela ezilula zokuTyala kwiiNtshukumo eziNinzi eziThathaka
Ukuba awunakunqwenela ukwenza inqwaba yomthetho ukuze ufumane utyalo-mali obuncinci, unokufumana ukuxhamla kakuhle kwabo ngemali kunye kunye neengxowa -mali ezithengiswayo (ETFs) ezityala kuphela kule ntlobo yee-stocks.
Enye yezona ziqhamo ezithandwa kakhulu ezincinci zentengiso kwi minyaka emibini yokugqibela yi-iShares MSCI Minimum Volatility ETF [NYSE: USMV], ekhangele ukutyalomali kwiisitokethi ezingenakuzithengisa ngaphezu kweemarike ngokubanzi. Ezinye ii-ETF ezifanayo ziquka ii-Powershares S & P 500 eziNcinci ze-ETF [NYSE: SPLV] kunye ne-Vanguard Global Minumum Volatility Fund [i-NYSE: VMVSX].
Kuphakanyiswe ingxoxo malunga nokuba ngaba ii-ETF ziqhubeka zenza ngcono kuneemarike ngokubanzi, kodwa zinokuba yinxalenye ebalulekileyo ye-portfoliyo ebanzi, ngokukodwa ngamaxesha apho imarike yemasheya itshintsha ngokunyuka.