Nantsi indlela oyibeka ngayo utyalo-mali njenge-Low, Medium okanye High-Risk
Umbuzo oyifunayo ngokwenene ukuphendula, "Ngaba ndingayilahlekelwa yimali?" Ukuphendula oku ndikhetha ukubeka umngcipheko wokutshala imali kwizinga elilodwa ukuya kweyesihlanu, enye ibonisa umngcipheko ophantsi , ukhuseleko oluqinisekileyo, kunye neenhlanu ezibandakanya umngcipheko omkhulu; umngcipheko wokuba ulahlekelwe yimali yakho yonke.
Uthatha amazinga aphezulu omngcipheko wotyalo-mali wokufumana ithuba lokufumana imali ephezulu kunokuba ungayifumana usebenzisa utyalo-mali oluphantsi. Oku kunengqiqo. Nangona kunjalo, ukuba awuyiqondi ingozi yemali yakho ebonakalayo, inokukubamba, kwaye esikhundleni sokwenza okungakumbi, uya kugcina ulahlekelwe. Ukuqonda iinkalo ezingezantsi, kunye nokubuyiswa kotyalo-mali onokuzilindela kuloluhlu ngalunye kuya kukunceda ukuphepha ukhuseleko olungabalulekanga.
Utyalo-mali obuncinci, ukhuselekileyo kunye nokuqinisekisiwe
Xa ungekho mngcipheko wokuba ulahlekelwe yinqununu, unotyalo-mali ophantsi. Oku kufezekiswe ngotyalo-mali olukhuselekileyo ; utyalo-mali oluhlala lunesiqinisekiso esixhaswa nguRhulumente wase-US, okanye yinkampani yinshuwalense. Awuyi kubona ukubuya okuphezulu kunye notyalo-mali obuphantsi. Kodwa inqununu yakho iqinisekisiwe.
Ephantsi ukuya kuTyalo-mali oluMngcipheko oluNcinci, njengeziKhwama zeBond eziKfutshane okanye eziPhakathi
Kukho iintlobo ezininzi zeebhondi (urhulumente, umashishini, umasipala), ngasinye sinomlinganiselo wokutshala umngcipheko.
Ingozi iyahluka ngokuxhomekeka kohlobo lwebhondi , kunye nexesha lobophelelo.
Ixesha lebhondi libhekiselele kubude bexesha kude kubekho ukugqithwa kwebhondi, okuyiyo xa inqununu kufuneka ibuyiselwe. Ngesibophelelo sesikhathi eside imali yakho inokuthi iboshwe iminyaka elishumi, elishumi elinesihlanu okanye kwiminyaka engamashumi amabini; kunye noxeshanye lwexeshana elifutshane, lingaba linye ukuya kwiminyaka emibili de inqununu yakho ibuyele ngokuphepha ezandleni zakho.
Ingakanani ixesha elide ngaphambi kokuba inqununu yakho ibuyiselwe kuwe, ingozi enkulu. Kwiibhonkco zenkampani kunye nezoomasipala ezantsi ezithengiswayo kwi-bond , iphakamileyo ingozi.
Utyalo-mali obuncinane, i-Blend Of Stock kunye ne-Bond Funds
Unokufumana umgangatho ophakathi; izinga eliyingcipheko lotyalo-mali olwa phakathi kokukhuselwa kwinqanaba lomngcipheko omnye kunye nobunzima bezinga ezine. Ufumana le nqanaba eliyingcipheko lokubeka ingozi ngokudibanisa kunye nokutsalwa kweengcipheko eziphezulu, njengemali yenkcazo yemali , kunye neengcambu ezincinci zokutyalomali, njengemali emfutshane kunye nexesha eliphakathi. Ingxowa efanelekileyo iyakwenza konke oku kuwe kwaye idale kwaye ngaphakathi kwenkxaso ingaba ne-allocation "njenge-60% ezitokisini / izibophelelo ezingama-40%." Lindela utyalo-mali oluthatyathwe kwinqanaba lokunyusa ukubuyisela ukubuyiswa kweemali.
4. Utyalo-mali oluphezulu, iiSundisi zeShishini zeStock
Utyalo-mngcipheko ophezulu njengemali yesikhombiso-mali iqondwa kakuhle ngokujonga umzekelo othile.
Isalathisi sinjengomlawuli. Ilinganisa ukusebenza kwebhaksi yeempahla. Isalathiso esisodwa esilandelayo yi-Standard and Poor's Index Index (S & P 500), elandelela ukusebenza kwamawaka angamahlanu eenkampani ezinkulu ezithengiswa esidlangalaleni eMelika. Ezi ziinkampani ezifana neProtector & Gamble, iMicrosoft, iWalMart, i-Johnson & Johnson, i-GE, i-Pfizer kunye ne-Exxon Mobil, nje kuthiwa bambalwa.
Xa uthengisa i-S & P 500 Index Index, ingxowa-mali inomsebenzi omncinci kumashumi amabini ama-stocks. Ukuba enye yeenkampani zifumana ingxaki, inomphumo omncinci kwi-investment yakho yonke.
Kuthiwani malunga neengxaki zazo zonke iikhamphani ezinamakhulu amahlanu eMelika eziya ngaphantsi, zonke ngokukhawuleza? Ukuba oko kwenzeka, sineengxaki ezinkulu kwizandla zethu kunokuba sisebenzise njani imali yethu. Ngenxa yale ngxoxo malunga nomngcipheko, ndikhululekile ukutsho ukuba awukwazi ukulahlekelwa yimali yakho kwi-index index fund. Kanti unako ukufumana amaxesha apho ixabiso lakho lotyalo-mali liya kuhla nge-50%. Ngenxa yoko, olu hlobo lotyalo-mali lubhekwa njengengozi enkulu, kodwa ukuba uhlala kuyo ixesha elide, uzikhusele emngciphekweni wokulahlekelwa konke.
Jonga le grafu yendlela yokusebenza kwimbali yeS & P 500 yesitampu sokwakheka ukufumana ingcamango yokungahambisani kwembuyekezo.
Utyalo-mali obuninzi kakhulu, ii-Stocks
Naliphi na ixesha xa uthengela isitokisi okanye umkhonkco (ngaphandle kokuba ukhonkco ka rhu lumente), uthatha inqanaba eliphezulu lotyalo-mali, njengoko iinkampani ezinkulu zinokuthi ziye zagqitywa, kwaye iziqinisekiso zabo ziba zize. Xa uthenge utyalo-mngcipheko ophezulu kwimpendulo yombuzo othi "Ngaba ndinokulahlekelwa yimali yonke?" "EWE!" Unomlinganiselo omkhulu wokulawula kulo hlobo lomngcipheko.
Gwema umgangatho ophezulu kakhulu wokungcipheka kotyalo-mali ngokusasaza imali yakho kwiintlobo ezininzi kunye nezibophelelo. Ukuba unomtsha-mali okanye ongenamava, gcina ingqalelo, ukukhetha iziqinisekiso zakho kunye nokubeka iliso ngokuqhubekayo ngumsebenzi omningi, kwaye ufuna idibaniso elungileyo lobuchule, ngoko kunokukhetha nokukhetha izitokethi zakho kunye nezibophelelo. qwalasela ukusebenzisa i- joint funds , eyenza umsebenzi kuwe.
Ininzi yeMistake eVileyo kwiNkqubo yokuTyala imali
Uninzi lwabatyalomali banokuchazela umahluko phakathi kotyalo-mali olukhuselekile, oluphantsi kobungozi kunye nomnye onobudlova. Impazamo enkulu ebona i-investors yenzayo ayikwazi ukubahluko phakathi kotyalo-mali obunobungozi obuphezulu, apho kunokubakho ukungabi nantoni kodwa kungekho ukulahlekelwa ngokupheleleyo, kunye nokutyalomali okukhulu kakhulu, apho kukho ithuba lokulahlekelwa imali. Nguwuphi umehluko phakathi kwento 4 no-5 ngasentla.