Indlela yokukhetha iiShishini

Ukuba ungumtyalo-zimali ungaqala kunzima ukufumanisa ukuba yeyiphi i-stocks kunye nezibophelelo zokuqalisa ukutshala imali. Ukuba awuqhelekanga kwimakethe yemasheya, kunye nokunyuka nokuwa kweemarike, kunokubonakala ngathi ufunda ulwimi lwangaphandle njengoko ujonga kwiingxelo zotyalo-mali. Utyalo-mali olulodwa luyinto enzima ukuyenza. Unokuba ngcono ukuhamba kunye ne- fund fund , kodwa usenokuba uzibuza ukuba ungakhetha njani i-fund.

Hlola uMqulu weNdlela

Kufuneka ukhangele irekhodi lomzila wesitokhwe okanye i-fund. Kufuneka ibe nerekodi efanelekileyo kwaye ibe yinkampani eqinile. Ukuba ukhangele i-fund eyodwa kufuneka ukhangele irekhodi yomzila weengxowa-mali kunye nabaphathi beemali. Ufuna ukuthenga isitoregi ngerekhodi elungileyo, kunye ne-collective fund kunye nerekhodi elungileyo.

Jonga kwiNgxelo yeMarike

Khangela ubuchule kwimarike. Akunangqiqo ukuthenga izitokisi zeenkampani eziye zinciphisa iimarike. Inkampani kufuneka ibe namandla okukhula nokwandisa imarike yabo. Xa ucinga ngengxowa-mali, kufuneka ukhangele iindidi zeenkampani abazityala kuyo, kwaye wenze isigwebo esifanayo simemele.

Jonga ukuKhula kunye noTshintsho koLawulo

Udinga ukugcina iso kwiinkampani kwaye uqinisekise ukuba imigaqo eyabangela ukuba uzive ukuba isitokisi sinobutyebi obuhle sisesekhona. Inkampani kufuneka iqhubeke ikhula ngezinga elizinzileyo.

Nangona ubambelele kwixesha elide, ukuba kukho into eyenziwa yinkampani yatshintsha, akunakulungele ukuhlala kwisitokisi. Ukuba ubeka ingqalelo kwi nkampani, kufuneka ukwazi ukuthengisa isitokisi ngaphambi kokuba ihlawule kakhulu.

Hlalani nigxilile nakwiMatriki aMaqhinga

Khumbula ukwenza imali yangempela ngokutyalombela inkohliso kukunamathela kwenkampani ixesha elide.

Khetha iinkampani ozithembayo, kwaye unamathela kuzo. Iinkampani zinokudlula kumaxesha amanzima, kodwa ngokuphindaphindiweyo ziya kubuyela. Ukuba inkampani isengaphantsi kobunkokeli obufanelekileyo kwaye inako ukufana okufanayo, ngoko kufuneka uzinamathele nabo.

Iingcebiso:

1. Ukuba awuqinisekanga malunga naziphi iitoksi zokukhetha, khuluma nomcebisi wezemali . Baya kunika uncedo kunye nesikhokelo malunga nendlela yokukhetha amasheya afanele ngaphakathi kwisicwangciso sakho semali .

2. Khumbula ukutshintsha iipotifoliyo zakho zotyalo-mali. Oku kuthetha ukuba kufuneka ubeke imali yakho kwiimpahla ezihlukeneyo kunye / okanye iimali ezihlangeneyo. Kuyizidenge ukufumana yonke imali yakho kwisitokisini esisodwa okanye ukuxhamla imali, kuba ukuba ukusilela kukulahlekelwa yinto yonke. Ukuchithwa kwandisa ingozi. Yingakho kubalulekile ukuba utyalo-mali ngaphezu kowakho 401 (k) kunye nezinye i-akhawunti yomhlalaphantsi.

3. Musa ukuqala ukutyalo-mali, ngaphandle kokuthatha umhlala phantsi, de ube unetyala elingenanto, ngaphandle kwe-mortgage yakho. Akunangqiqo ukutyalomali xa ukhokhela inzala ephezulu. Thatha ixesha lokuseka isicwangciso sokuhlawula amatyala namhlanje.

4. Ukuqwalasela ukubhaliselwa kwinkonzo enokukunika ukuhlaziywa kwiimpahla zakho kunye neengxowa-mali zokudibanisa ukuze ukwazi ukugcina iliso kwimarike. Ukongezelela, gcina iliso kwimpilo yenkampani. Ukufunda iingxelo zonyaka kunye nezicwangciso kuya kukunceda ukuba uqonde ngakumbi ukuba inkampani kusenokuba ufuna ukutshala imali.

1. Ukuba usebenza ekuphumeni kwetyala, unokwenza utyalo-mali ngokukhetha izitokethi ezithile okanye imali kunye kunye nokulandelela indlela abayenza ngayo ngokuhamba kwesikhathi. Oku kunokukunceda uqonde ukuthengiswa kweemarike ukwenzela ukuba xa unemali yokutshala imali, ungayenza ngokuzithemba.