Indlela yokuTyala kwiiShishini

Isikhokelo soQalelo sokuTyala imali kwiShishini

Njengabanini-mali abatsha, unqwenele ukutyalomali kwinkampani kwaye uqoke izabelo zakho zokuqala zesitokisi, kodwa ulwazi lwakho olulinganiselweyo lushiya ukuba uzibuze ukuba ungayenza njani. Ungaxhalabi! Le ngqungquthela yenzelwe ukukunceda ufunde ngokuchanekileyo oko - indlela yokutshala imali kwiisitokisi. Ukuze ube ngakumbi ngakumbi, kuba abatyala-mali abatsha baphuma khona, eli phepha lahlanganiswa ukuze lisebenze njengento yokuqala yokubeka imali yamanqaku okutsalwa ekwenzelwe ukufumana ezininzi izinto ezisisiseko ngaphandle kokuba uqhubele phambili kwezinye zezihloko eziphambili. ibhaliwe kule minyaka edlulileyo.

Ndiyidalile njengenxalenye yesiGqeba soQeqesho soQeqesho sokuTyala imali kwiStock kwaye sinika uluhlu olufutshane lokuhlola uluhlu lwezihloko, ezizaliswe kunye neziqhagamshelana neziqendu ezingakumbi, apho unokufunda khona nantoni na ofuna ukuyiphando malunga nokutshala imali kwi-stock.

Xa usukulungele ukuhambela kwezi zixhobo, unokujonga iicandelo ezili-1000 ezibhaliweyo ebhaliweyo kule ndawo kunye namawaka amanqaku endikuposile kwiblogi yam, ebandakanya ishishini eliphambili, i-finance, kunye nokutshala imali.

Iindlela ezine ezinkulu zokutshala imali yakho kwiiShishini

Kukho iindlela ezine eziphambili zokutshala imali yakho kwisitokisi:

1. Utyalo-mali ngokusebenzisa isicwangciso se- 401k okanye, ukuba usebenzela i-non-profit, isicwangciso se- 403b .
2. Utyalo-mali ngokusebenzisa i- IRA yeNdabuko , i- Roth IRA , i- Simple IRA okanye i-akhawunti ye-SEP-IRA.
3. Ukutshala imali nge- akhawunti ye-brokerage .
4. Utyalo-mali ngokusebenzisa isicwangciso esithengiweyo sokuthengwa kwempahla okanye isicwangciso sokubuyisela inzuzo (DRIP) .

Iintlobo Zintlanu zeeAfa Unokuzifumana Xa Utyalo

Ngokuqhelekileyo, kukho iintlobo ezintlanu ze-asethi umtyalo-mali ovumelekileyo ukuba angene kwixesha lakhe lobomi, nokuba ingaba uyayifaka kwii-asethi ngokuthe ngqo okanye ngesakhiwo esihlanganisiweyo njengengxowa- mali , i- index index, i-fund exchange exchange fund , okanye i- hedge fund :

1. Iimali eziqhelekileyo - Xa utyalomali kwisitokisini, ufumana inxaxheba yobunini kwishishini elisebenzayo, kunye nesabelo sakho semali yentlawulo kunye nezabelo ezibangelwa yi-firm. Nangona akudingeki ukuba utyalole kwisitoko ukuze ufumane ubutyebi , ngaphezu kwexesha elidlulileyo leminyaka, ama-equities (amasheya) abeyona yeklasi ye-asset ephezulu kakhulu kwaye ivelise ubutyebi buninzi. Ukuze ufunde okungakumbi, funda ntoni i-Stock ? , oya kuphula phantsi izinto ezisisiseko.
2. Iimpahla ezikhethiweyo - Impahla ekhethiweyo yintlobo ekhethekileyo yesitokhwe esivame ukuhlawula izabelo eziphezulu kodwa igalelwe.
3. Iimali-mboleko - Xa uboleka imali kwilizwe, umasipala, ishishini okanye elinye iziko, uthenge izibophelelo ezinjengeebhanki zenkampani, izibophezelo zikamasipala, izibophelelo zokugcina imali , urhulumente wase-US, kunye nokubanjiswa kweeNondyebo, njl njl.
4. Iimakethi zemali - Iimarike zemali ziyi -investments ezinkulu ezenzelwe ukukhusela amandla akho okuthenga. Zithathwa njengento elinganayo yemali . Kukho iintlobo ezimbini, i- akhawunti yemarike yemali kunye nemali yemarike yemali . Kukho nezinye iindawo ezinhlanu ezongezelelweyo zemarike zemali .
5. I-Real Estate Investment Trust (I-REITs) - I-REIT zihlobo olukhethekileyo lwenkampani ebizwa ukuba ayivumeli irhafu kwizinga lenkampani inikwe ngaphezu kwe-90% yemali ehlawulwayo kubhatalwe. Iimpahla zihlala zityalomali kwiiprojekthi ezahlukeneyo kunye nepropati.

Ukubaluleka koPhando xa kutyalomali kwiShishini

Xa uphando malunga notyalo-mali, kukho imifanekiso emihlanu oza kufuna ukuyifumana ukuze uhlalutye umlinganiselo onxulumene nesitokisi esinakho. La maxwebhu, akufanele ube neengxaki zokufumana, ngaba:

1. Ifom ye-10-K- Le yileta yokufaka ngonyaka kunye neKhomishana ye - Securities and Exchange (ISET) kwaye mhlawumbi ingumqulu omnye ophandle ophando olukhoyo kubasomali malunga nenkampani.
2. IFomu ye-10-Q yakutshanje - Le yenguqu yekota nganye yeFomu 10-K.
3. Inkcazo yeProxy - Ingxelo yeProxy iquka ulwazi kwiBhodi yabaLawuli kunye nokuhlawulwa kwembuyekezo kunye neziphakamiso zabanini-zimali.
4. Ingxelo yonyaka yakutshanje - Nangona ufunda ingxelo yonyaka, uya kufuna ukuhlawula ingqalelo ekhethekileyo kwileta evela kuSihlalo, i-CEO, ngamanye amaxesha i-CFO okanye amanye amagosa aphezulu ukuba abone indlela abajonga ngayo ishishini. Azikho zonke iingxelo zonyaka ezidalwe ngokulinganayo. Ngokuqhelekileyo, okulungileyo kwi shishini kuthathwa njengobhaliso nguWarren Buffett eBerkshire Hathaway , ongayilanda kwihhala kwiziko leenkampani.

1. Inani elibonisa ukubuyela emva kweminyaka emihlanu okanye elishumi. Amafemu amaninzi alungiselela olu hlobo lwazi kwiifom ezilula zokugaya, ngokuyininzi kwimali yokubhaliselwa. Ezinye zezindlu eziphambili zophando kunye nemveliso ziquka i-Morningstar, i- ValueLine Investment Survey , i-Standard and Poor's, kunye ne-Moody's.

IiNkcazo zeMathathu zeMali eziyimfuneko kwi-Invest Investment

Ngaphambi kokuthenga intengo yobunini kwinkampani ngokutyalomali kwisitoksi sayo, kubalulekile ukuba uhlolisise ezi nkcazo zezimali ezintathu zilandelayo:

1. Ingeniso yengeniso .
2. Ibhalansi .
3. Inkcazo yokuhamba kwemali.

Zonke izitatimende zezimali ezintathu zisebenza kunye kwaye ziqinisane - awukwazi ukuzifunda ngokwahlukileyo okanye uya kuzifumana ukwenza izigqibo ngokusekelwe kwidata elincinane; impazamo enokuba yindleko, ingakumbi xa unquma ukutshala imali kwisitokisko kunokuba ukhuseleko oluphezulu luphezulu phezulu kwisakhiwo esikhulu , njengesibophelelo.

Ezinye Iingcebiso kunye neeNcedo eziNcedo kubaTshali-mali abatsha abatyala imali kwiiShishini

Ekugqibeleni, kukho ezinye izinto oza kufuna ukuzijonga kwinkampani kunye nabaphathi phambi kokuba uthenge izabelo zesitokisi. Ndiya kwandisa ezi ngcebiso kumanqaku adweliswe apha ngezantsi.

• 7 Iimpawu zoLawulo lokuSondeza kwabakwaSabelo - Yintoni ekufunayo kwaye Kutheni
• Isikhokelo sesahlulo seshumi sokubetha iMarike
• Ukwenza imali kwiinkampani ezimbi
• 7 Iimpawu Zokuphumelela Ukutshala-mali-iMigaqo-siseko yoPhuculo oluPhambili
• Invest in What You Know
• Ukuqiqa: I-Artificial Secret Weapon
• Ushishino-njengokutshala imali: Ukucinga njengomnikazi
• Manifesto yeMali-mali

Ukongeza, nantsi amanye amacatshulwa ambalwa oya kukufumana uncedo ekuhambeni kwakho kotyalo-mali.

• Isethulo sokuThengiswa kweShishini
• Izinyathelo ezili-10 zokwakha iNgxowa-mali epheleleyo

Ukuba ufuna ukufunda okungakumbi malunga nendlela yokutyalwa kwisitokisi, khangela i-directory ye-Investing for Beginners iindidi ebhaliweyo, ihlanjwe ngesihloko okanye intloko phezu kwiblogu yam ibhantshi yamanye ama-esoteric kunye nezifundo eziphambili. baqalayo. Nantoni na eyenzekayo, khumbula ukuba izitokisi ziphakathi kweentlobo ezininzi zeempahla ongazisebenzisayo ukwakha ubutyebi kwaye ube yimali ozimeleyo .