Iibhondi eziLungelelanisiweyo, iiCD okanye ezinye iiNgeniso eziThengisiweyo zoTyalo-mali
Isicwangciso-mali sephothifoliyo engenayo esinqununu singasinceda.
Ngeliphothifoliyo yamancinane, uthengisa imali eninzi yokufumana imali ngenqanaba lokukhula, ukusuka kwixesha elifutshane elide ukuya kwixesha elide. Kufana nokufana neendleko zemali. Ngeendidi ezahlukeneyo okanye ii-CD ezikhula ngamaxesha ahlukeneyo kunokukunceda ufumane amazinga aphezulu okubuyisela ngaphandle kwe-akhawunti yokugcina imali, kodwa igcina imali yakho iguquguquke xa ixabiso lentengo liphakama kwiminyaka embalwa elandelayo. Esikhundleni sokuvala yonke into ekhoyo kwinqanaba lanamhlanje, awuyi kuphinda unyaka ungekho kwinxalenye yemali yakho, enokubuyiswa kwakhona kumazinga aphezulu.izihlandlo zinokukunceda ukuba ube namazinga aphezulu okubuyisela ngaphandle kwe-akhawunti yokugcina imali, kodwa igcina imali yakho iguquguquke xa ixabiso lentengo liphakama kwiminyaka embalwa ezayo. Esikhundleni sokuvala yonke into kwizinga lamanje, awuyi kuphinda unyaka kude nenxalenye yemali yakho, enokubuyiswa kwakhona kwizinga eliphezulu.
Indlela yokwakha iPortfolio
Ukuba udwebe isicwangciso sepotfolio esikhankanywe kumaphepha, kuya kubonakala kunjengezinga langempela. Unokucinga ngemilinganiselo yeli nqanaba ngendlela efanayo. Izinto eziphathekayo luhlobo lotyalo-mali oza kulusebenzisa ukwakha idilesi. Amanyathelo awona manani otyalo-mali kumanqanaba.
Ukwahlula lixesha elifanelekileyo apho ezo zimali zivuthiwe.
Izinto eziphathekayo: Utyalo-mali lweeBond Ladder
Ungasebenzisa utyalo-mali olusisigxina ukwakha iphothifoliyo enamanqanaba. Amanqanaba angadalwa ngokutyalo-mali olulula njengeSatifikethi seBhanki seDisposithi , okanye ngee-bonds ezifutshane, eziphakathi kwexesha elide kunye ne-US. Unokwakha i-ladder ngokwenene nayiphi na indibaniso. Abatyalomali abafuna ukwandisa ukukhula kunye nokuzama ukufumana inzala ephezulu bangasebenzisa izibophelelo zenkampani, izibopho ezingekho phantsi kwemida okanye izibophezelo zikamasipala kwisebe, ngokuqonda ukuba kukho ingozi eyongeziweyo. (Izibhanki zikamasipala zinokunikela ngeenzuzo zerhafu kwabanye abatyala-mali abanamathuba amaninzi.) Ukuze bafumane inzuzo yeentlawulo zerhafu, kufuneka baqhutywe kwi-akhawunti ehlawulwayo.)
Amanyathelo: Hlukanisa Iingxowa-mali zakho zeeBond kwi-Equal Parts
Amanyathelo endlela emele umlinganiselo oceba ukutyala ulwahlula inani lamabhonkco oceba ukutyalomali kuwo. Ngokomzekelo, ukuba ukhangele umvuzo wenyanga rhoqo, unokwenza isiteji ngamanyathelo ayisithandathu, ngamnye uthenge ngenyanga ngaphezu kweenyanga ezintandathu. Iibhonksi zihlawula umyinge emva kweenyanga ezintandathu. Oko kuthetha ukuba uza kufumana inzuzo ngenyanga yesithandathu, inyanga yesixhenxe, inyanga yesibhozo, njalo njalo ekupheleni konyaka.
Ukwahlula: Thenga i-Investments ngeemali ezihlukeneyo
Indlela obeka ngayo i-bond bond bond echaza ukuba ixesha elide liya kuba liphakathi kobukhulu bhondi nganye. Ukunciphisa ixesha ixesha eliphakathi kokukhula kunokunciphisa ingeniso yakho engenayo, kodwa ikhulula nokuphuma kwemali ukubuyisela inqununu njengezibophelelo zivuthiwe.
Akufuneki ukuba ufune ukwakha idibansi yakho yokubophelela. Kukho iingxowa-mali zentsebenziswano kunye kunye ne- ETFs ezisebenza njengamanqanaba. Khangela iimali ezithengayo ezitsha, izibophelelo ezipheleleyo ngexesha elide likhulile. Leyo iphakamisa. Ezinye iimali zentengiso yeekhonkco zeekhredithi zenza amancinane kunye noNondyebo, izibophelelo zenkampani, izibophezelo zikamasipala kunye nezinye iintlobo zeebhondi.
Ukubhengezwa: Umxholo okweli siza unikezelwa ngolwazi kunye neenjongo zengxoxo kuphela, kwaye akufanele kube sisiseko sezigqibo zakho zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.