Iimfucala kunye neNtengiso engenakwenzeka Ukuba abaTyalo-mali be-Smart bayazuza
Gwema ukutshabalalisa ukusebenza kunye ne-Invest in Value Stocks
Iimpahla zexabiso zithengisa ngaphantsi kwamaxabiso angaphakathi. Ixabiso lenkcazo yemali liquka ama-stocks ngamaxabiso aphantsi ngokumalunga nemali yabo yokufumana, ukuthengisa, kunye nexabiso leencwadi.
I-Momentum kunye no-investors stock stock, nangona kunjalo, benza impazamo yokuxosha ukusebenza kunye nokuthenga amasheya njengoko befikelela kwiindawo eziphezulu. Aba batyali-mali bakholelwa kwindlela - isistim sokunyuka siya kuqhubeka ukunyuka kwixabiso. Ukukhawuleza ukutsalwa kwephutha kukuba xa isilinganiselo se-PE sisisigxina kakhulu , isitokethi sinokubaluleka kwaye ekugqibeleni ixabiso lesitokisi liyancipha kwixabiso elifanelekileyo.
Ekugqibeleni, kunzima ukuba umtyalo-zimali ukwazi ixesha lokutsala iplagi kunye nokuthengisa.
Ngexesha elifutshane, kukho amaxesha apho ixabiso lithengisa ukukhula kunye nangoko. Nangona kunjalo, ngokugqithisa kwexesha elide, uphando lucacile ukuba ixabiso labatyalo-mali ligqithise kakhulu abasomali-mali.
Kwiminyaka embalwa edluleyo, iisitokisi zentengo enkulu zibuyise iipesenti ezingama-9,3 kunye neentengo ezinkulu zokukhula kwesikhokelo (i-stockum) ezithengayo zibuyele i-8.60 ekhulwini ngonyaka. Ngoko ke, ukuba uthele imali eyi-R10 000 kwixabiso lempahla ngo-1990, ekupheleni kuka-2015, i-$ 10,000 yakho iya kuxabisa i-$ 94,694 ngokungafani ne-85,435 zama-dollar.
Ngokusebenzisa iipotifoliyo zakho zokutshala imali kwixabiso lemali kunye nemali, uya kuba nako ukubamba ithuba lokufumana inzuzo kwabanye abantu.
Gwema i-Hot Fund
Iphutha elikhulu lotyalo-mali lifaka imali ephezulu yonyaka ophelileyo. Unokulingwa yizo "uluhlu oluphezulu lwemali", kodwa abatyalo-mali abangenayo kule mivuzo eshushu, bathambekele ekulahlekeni.
Abaphumeleleyo kunyaka owodwa, bavame ukuphela njengabalahlekileyo kwiminyaka kamva. Ngokutsho kukaMarko Hulbert kwinqaku elisandul 'i-MarketWatch, into engcono kakhulu ongayenza "uhlale ezandleni zakho."
Nangona kunjalo, unokufumana amathuba okufumana ubutyebi ngokuphepha ukusebenza-ukutshutshisa iimpazamo zezotyalomali kwaye ukhethe indlela yokwenza utyalo-mali. Kwisifundo seVanguard malunga nama-2,202 alawulwa ngokunyanisekileyo ngo-2001, kuphela ngama-476 awakhupha iikhompyutheni kwiminyaka eyi-15 elandelayo. Omnye umthombo uthi inkcazo yeengxowa-mali ityala ukubeka ulawulo olusebenzayo olucwangcisiweyo lokutyalwa kwexesha!
Thenga Xa abanye abatshali-mali bathengisa
Abatyalomali baqhutywa ngoloyiko kunye nokuhaha . Emva kokuncipha kweemarike, abatyali-mali abaninzi bathuka kwaye benze impazamo yokuthengisa. Isicwangciso esilahlekileyo njengoko abatyali-mali bevalela kwilahleko zabo. Emva koko, emva kokuhlawuleka kweemarike, abo bantu baya kubuyela emva kwinqanaba elizayo lemarike. Olu hlobo luguqulela kumyinge wexesha elide utyalo-mali ufumana i-3.79 ekhulwini kunye ne-S & P 500 efumana i-10,00 yeepesenti.
Unokusebenzisa inkolelo yokutyalo-mali kunye nokuhaha xa bathengisa emva kweemakethe zentengo kwaye bathenge ngokusondeza kwiimarike. Indlela yokuzityebisa ezi mpazamo zentyala engenangqiqo ibini: Okokuqala, khetha iqhinga lokutyalomali uze unamathele kuyo.
Okulandelayo, xa iimarike zikwintsimbi, zithathe amasheya angaphezulu kwaye ubambe kwinzuzo ngexesha lemarike elandelayo yenkomo.
Ukufumana inzuzo kwimarike engenakwenziwa kunye nabanye abaphosakeleyo iimpazamo, musa ukunyanzeliswa yi-hype. Gwema isihlwele-cinga nokutshutshisa imbuyekezo. Xa utyalo-mali, iintloko ezipholile ziyanqoba kwaye ziphumelele.
UBarbara A. Friedberg ungumphathi wepotfoliyo kunye nomcebisi-mali weyunivesithi. Ukubhala kwakhe kubonakala kwiiwebhusayithi ezahlukeneyo kuquka uRobo-Advisor Pros.com kunye noBarbara Friedberg Personal Finance .