Lindela ukulungiswa kwemakethe yebhanki zonke iinyanga eziyi-8 ukuya kwezi-12.
Ukuphindaphindwa kweeMakethe
Ukulungiswa kwemakethe ye-Stock kwenzeka, ngokuqhelekileyo, malunga neenyanga eziyi-8 ukuya kwezi-12 kwaye, ngokuqhelekileyo, ukugqibela malunga neentsuku ezingama-54.
Ngokwe- Fidelity (ngo-Meyi 2010) Ukususela ngowe-1926, kubekho ukulungiswa kwemakethi ye-stock market ngexesha leemarike zeenkunzi, oku kuthetha ukuba ama-20 amaxabiso athengiswa ngamanani athengisa ama-10% kodwa akazange abe phantsi kwintengiso yempahla yeebhere.
Indlela yokujongana nokulungiswa kweSitokhwe seStock Market
Okokuqala, xhathisa ingqalelo "ixesha lokuthengisa." Nangona kunokwenzeka ukwenza ixesha elifutshane lokuthengisa iimali kunye nokuhla kweemarike, izicwangciso ezinjenge-swing zorhwebo azifaneki zisebenze ukwakha ubutyebi besikhathi eside.
Uninzi lwabantu lulahlekelwa yimali ngokuzama ukuhambisa imali yabo malunga nokuthatha inxaxheba kwiindawo ezikhuselekileyo kunye nokuphepha. Oku kuziphatha ngokubhaliweyo okufundiswa ngabafundi behlabathi jikelele. Intsimi yokufunda ibizwa ngokuba yimali yokuziphatha.
Iinkcukacha zibonisa ukuba kungekhona nje kuphela abantu abaninzi abanalo ukuqeqeshwa ukuze banamathele kwi-playbook yokudlala imali ekulungiseni iimarike, bathambekele ekutshintsheni kumaxesha angalunganga obangela ilahleko ezinkulu.
Njengomcwangcisi wezezimali, umsebenzi wethu ukwakha iiphothifoliyo ezisekelwe kwisayensi kunye nokuzihlaziya.
Xa sakha iphothifoliyo, silindele ukuba enye yekota nganye yekhalenda iza kubakho ukubuyisela. Silawula ubukhulu beembuyekezo ezingalunganga ngokukhetha ukuxuba utyalo-mali olunokuba lunakho ukuhlawula umgangatho ophantsi wokubuya, kunye nomngcipheko omncinci-obizwa ngokuba yi- diversification .
Ukuba uza kutyalo-mali kwiimarike, kukulungele ukuba uqonde ukuba ukulungiswa kwemakethe ye-stock market kuya kwenzeka, kwaye ngokuqhelekileyo kulungele ukukhwela nje. Melana nomnqweno wokuthengisa kunye nenzuzo kubo. Landela i-Old Wall Street cliche-ungaze ubambe iqela eliwelayo.
Umzekelo: 2018
Kwiminyaka emi-5 eyadlulayo ukuya ngo-2018, Umyinge weDow Jones weMveliso usele phantse kabini ngaphandle kokushiya. Ngomnye wale minyaka, inani elikhulu labalingisi liye lacela ukulungiswa okanye kwanomdaniso. Ezi zibikezelo ziye zabangela ukuba abatyali-mali baxhomeke kwiimarike kakhulu kusasa kwaye balahlekelwe yimpumelelo ephawulekayo ababeyibonile ukuba abazange bazame ukuqikelela ukuba kungenakukuphepha. Oku kuyinyaniso ngabarhwebi ngabanye kunye nabaqeqeshi.
Indlela yokuLawula ubukhulu beMakethe okuThengiswa kweeMakethe ozifumanayo
Ungakwazi ukulawula ubukhulu bokulungiswa kweemarike onokuzifumana ngokukhetha ngokucophelela ukuxuba utyalo-mali.
Okokuqala , qonda izinga lomngcipheko wotyalo-mali ophathelene nokutyalomali. Ngokomzekelo, kwintalo-mali nento endibiza ngokuba yingozi yinqanaba lika-5 (ingozi enkulu) kunokwenzeka ukuba uya kulahla yonke imali yakho. Ngomngcipheko weNqanaba 4, unokufumana uhla lwe-30-50 kweepesenti, kodwa awuyi kulahlekelwa konke.
Lonahluko omkhulu kumngcipheko.
Uyakwazi ukubona uludwe lwegrafu ezibonisa umngcipheko weentlobo ezahlukeneyo zotyalo-mali kwi- Taking Investment Risk .
Okwesibini , qonda indlela yokudibanisa le ntlobo yeentlobo-mali zokunciphisa umngcipheko kwipotifoliyo yakho yonke. Le yinkqubo ebizwa ngokuba yi-aseset allocation.
Kubalulekile ukunciphisa ukunyanzelisa kwakho kwiimpawu ezinkulu zemarike njengoko usondele kumhlalaphantsi. Kwaye emva kokuba uthathe umhlalaphantsi, kufuneka uhlele utyalo-mali lwakho ukuze ukulungiswa kwemarike kwenzeke, unyanzelekile ukuba uthengise utyalo-mali olunxulumene nemarike. Endaweni usebenzise inxalenye ephephile kwipotifoliyo yakho ukuxhasa iimfuno zokuchitha ixesha ngeli xesha.
Okwesithathu , qonda ulwalamano lokubuyisela umngcipheko wokutshala imali. Ubungakanani bembuyekezo ephakamileyo buya kuhlala kunomngcipheko owongeziweyo.
Ixabiso eliphakamileyo kwaye likhawuleza lexabiso lemakethi yemasheya liphakama, ngaphantsi kwezinto ezinokubakho ezizayo ezizayo. Emva nje kokulungiswa kwemarike yemasheya, okanye i-market market, i-potential potential for future returns in the market.
Ngo-2017, i-cryptocurrency yaba yinkanuko. Kwakukho ukubuyiswa kweepesenti ezingaphezu kwe-1 000 ngonyaka kwaye abatyali-mali bathengisa ukungena ngexesha abahwebi abaqeqeshiweyo behlala kude. Ngoba? Ngenxa yokuba oogqirha bayazi ukuba xa kukho into ekhuphuka kakhulu, ekugqibeleni iza kulungiswa.
Into yokugqibela ukwazi - ukuba awufuni ukufumana ukulungiswa kwemarike, mhlawumbi kungcono ukuphepha utyalo-mali kwimarike yonke. Esikhundleni salokho, bambelela ngokutshala imali ekhuselekileyo. Kodwa utyalo-mali olukhuselekileyo lunento esiyibiza ngokuba yindleko yithuba-uyaphuthelwa ithuba lokuba uzibeke ebomini obungomso ozicingela wena kunye nosapho lwakho. Isitshixo kukubetha ibhalansi elungileyo.