Ulwakhiwo oluhle kakhulu lwePortfolio & Design
Ukwakha iphothifoliyo engcono kakhulu ekufuneka uhambe ngaphaya kweengcebiso zengqondo, "Musa ukubeka onke amaqanda akho kwibhasikidi enye:" Isakhiwo esinokumelana nokuvavanya kwexesha kufuna ukuyila i-smart, isiseko esomeleleyo kunye nokudibanisa okulula yeemali ezihlangeneyo ezisebenza kakuhle kwiimfuno zakho.
Sebenzisa iCoretical Portfolio Design Design
Ngaphambi kokuqala ukwakha, kuya kufuneka udalwe isiseko-isicwangciso-ukulandela. Ukuqulunqwa kwesofothifoliyo eqhelekileyo kunye nexesha elibizwa ngokuba yiCore and Satellite . Esi sakhiwo sizwakala nje: Uqala nge "core" -i-capital stock cap-ebonisa isahlulo esikhulu sepotfolio yakho kwaye yakha malunga nengundoqo kunye neengxowa "ze-satellite", eziza kuthi zimelele iincinci ezincinci yakho portfolio.
Sebenzisa iintlobo ezahlukeneyo zeeNgxowa zeFund zeSakhiwo
Ngesikhwama se -stock cap njengeyona nto yintloko, iintlobo ezahlukeneyo zeemali -i "satellites" -iya kugcwalisa isakhiwo sepotfolio yakho. Ezi ezinye iimali zingabandakanya isisitja se-cap, isitotyi esincinci, isitoko samazwe angaphandle, ingeniso eqhotyoshelweyo (ibhondi), iimali zecandelo kunye nemali yemarike yemali.
Yazi Ukunyamezela Kwakho Ingozi
Ngaphambi kokukhetha iifowuni zakho, kufuneka ube neengcamango ezintle zengozi ongayinyamezela ngayo. Ukunyamezela kwakho kwimiba yendlela yokuguquka kwenani (aka-volatility-ups and downs) okanye umngcipheko wemarike ongayenza.
Ngokomzekelo, ukuba ufumana uxhalaba xa ixabiso lakho le-akhawunti eyi-$ 10,000 liwela ngo-10% (ukuya kwii-9,000 zamawaka) kwithuba elilodwa leminyaka, ukunyamezela kwakho kwimeko engaphantsi-awukwazi ukunyamezela utyalo-mali ophezulu .
Qinisekisa ukuLawulwa kweeAfa
Emva kokuba unqume izinga lakho lokunyamezela ingozi , unokumisela ukunikezelwa kweempahla zakho, oko kukuxutywa kwezinto eziphathekayo- mali, izibophelelo kunye nekheshi-eziquka iphothifoliyo yakho.
Ulwabiwo olulungileyo lweempahla luza kubonakalisa izinga lakho lokunyamezeleka kwengozi, enokuthi ichazwe njengobundlobongela (ukunyamezela okuphezulu kwengozi), ngokulinganayo (ukunyamezela okuphakathi komngcipheko) okanye ukuzinyamezela (ukunyamezelana komngcipheko ophantsi). Ukuphakamisa ukunyamezela kwakho inzuzo ngaphezulu kweempahla eziza kuba nazo ngokumalunga neebhanki kunye nemali kwi-portfolio yakho; kunye nokunciphisa ukunyamezela kwakho, ingaphantsi kwepesenti yee-stocks ngokubhekiselele kwizibophelelo kunye nemali.
Funda indlela yokukhetha iifowuni ezilungileyo
Ngoku ukuba uyayazi ukwabiwa kwefa lakho, konke okuseleyo kukukhetha imali engcono kakhulu. Ukuba unokhetho olubanzi lweemali eziza kuqala ngokusebenzisa isikhwama se-fund okanye ungaqhathanisa ukusebenza kwintlawulo. Uyakufuna kwakhona ukuqwalasela iimpawu ezibalulekileyo zeemali eziphathekayo , ezifana nezindleko zeengxowa kunye neendleko kunye nomphathi wexesha.
Iingcebiso ezininzi kunye nezilumkiso zokwakha i-Portfolio ye-Mutual Funds
Ukuba ungumqali, ungenayo imali ukuhlangabezana nomyinge osisiseko wobunini-mali bokuqala , odla rhoqo ngaphezu kwe-$ 1,000 ngemali nganye. Ukuba unako ukuhlangabezana nomncinci wesikhwama esinye, qalisa "ingundoqo," njengengxowa-mali yexabiso eliphantsi kweendleko ezinkulu , okanye i- fund efanelekileyo . Emva kokuba uthenge i-fund yokuqala yepotfoliyo yakho, ungagcina imali kwicala ukuze uthenge isikhwama sakho esilandelayo kwaye uqhubeke nokwakha i-portfolio yakho enye ngesikhwama.
Indlela endala yokunikezwa kwee-asethi "ityala imali yakho yobudala," apho ubudala bakho inani leebhondi kwipotfoliyo yakho. Umzekelo, ukuba uneminyaka engama-40 ubudala, ulwabiwo lweefa luya kuba ngama-40% kunye kunye nama-60%. Namhlanje, abantu bahlala ixesha elide kangangokuba isicwangciso-mali sokwabiwa kwempahla asivumelekanga njengokuba kwakunjalo.
Ingcaciso kule ndawo inikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele ichaneke njengengcebiso yokutyalomali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.