Amasheya okanye amabhondi? Nazi iindlela ezimbalwa zokuhlula imali.
Kubantu abaninzi, kunceda ukuthatha indlela otyalo-mali kubomi, kwaye ixesha lakho lokuhlala lixesha lokuphila.
Xa ufumana imbono yexesha elide, ungasebenzisa into ebizwa ngokuba yi- asethi yesabelo se-aseset ukuze ubone ukuba yeyiphi ipesenteji yotyalo-mali yakho kufuneka ibe kwisitokisi kunye nezibophelelo.
Ngendlela yokwabiwa kwempahla, ukhetha uxube lwakho lotyalo-mali ngokusekelwe kumanyathelo omlando amazinga okubuyela kunye namanqanaba okungazinzi (ubuncipheko njengokuba kulinganiswa ngamaxesha ambalwa kunye neentlupheko) zeeklasi ezahlukeneyo. Ngokomzekelo, kwiimpahla ezidlulileyo zinezinga eliphezulu lokubuyisela kunezibhonkco (xa zilinganiselwa kwixesha elide elifana neminyaka eyi-15+), kodwa kuninzi ukunyanzelisa kwixesha elifutshane.
Iisampuli ezine ezisezantsi zisekelwe kwindlela ejolise kuyo-kuthetha ukuba ukhangele kwisiphumo ngexesha elide (iminyaka eyi-15+). Xa utyalomali obomi, awukwazi ukulinganisa impumelelo ngokujonga iinkonzo zemihla ngemihla, ngeveki, ngenyanga okanye nangonyaka; Endaweni ukhangele iziphumo kwixesha elidlulileyo leminyaka.
Ulwabiwo oluMandla oluPhezulu: 100% Amasheya
Ukuba umgomo wakho ukufezekisa ukubuyiselwa kwe-9% okanye ngaphezulu, uya kufuna ukunika i-100% yakho iphothifoliyo kwisitokethi.
Kufuneka ulindele ukuba ngezinye iinkcukacha uza kuba nekota enye yekhalenda apho iphothifoliyo yakho iphantsi kwe-30%, kwaye mhlawumbi nayo yonke ikhalenda yonyaka apho iphothifoliyo yakho ihle ngo -60%. Oko kuthetha ukuba u-R10 000 utyalomali; ixabiso lingahle liye kwi $ 4,000. Kwiminyaka emininzi, iminyaka emininzi (iminyaka engama-28% yexesha elidlulileyo) kufuneka ikhutshwe yiminyaka emihle (eyenziwe malunga ne-72% yexesha).
Ulwabiwo oluthathakayo: 80% Amasheya, amabhondi angama-20%
Ukuba ufuna ukujolisa kwizinga elide lokubuyela kwe-8% okanye ngaphezulu, uya kufuna ukunika i-80% yepottoliyo yakho kwiimpahla kunye no-20% kwi-cash and bonds. Kufuneka ulindele ukuba ngezinye iinkcukacha uza kuba nekota enye yekhalenda apho iphothifoliyo yakho iphantsi kwe--20%, kwaye mhlawumbi nayo yonke ikhalenda yonyaka apho iphothifoliyo yakho ihle ngo -40%. Oko kuthetha ukuba u-R10 000 utyalomali; ixabiso lingahle liye kwi $ 6,000. Kungcono ukulinganisela lolu hlobo lolwabiwo malunga nanye ngonyaka.
Ulwabiwo oluncinane lokukhula: ama-60% amaShishini, ama-40% eBond
Ukuba ufuna ukujolisa kwizinga elide lokubuyela kwe-7% okanye ngaphezulu, uya kufuna ukunika i-60% yephothifoliyo yakho kuma-stocks kunye no-40% kwi-cash and bonds. Kufuneka ulindele ukuba ngezinye iinkcukacha uza kuba nekota enye yekhalenda kunye nonyaka wekhalenda apho iphothifoliyo yakho iphantsi kwe -20% kwixabiso. Oko kuthetha ukuba u-R10 000 utyalomali; ixabiso lingahle liye kwi $ 8,000. Kungcono ukulinganisela lolu hlobo lolwabiwo malunga nanye ngonyaka.
Ulwabiwo loNgcoliseko: Ngaphantsi kwama-50% kwiintengiso
Ukuba unenkxalabo yokulondolozwa kwemali kunokuba uphumelele ekubuyiseleni, ke ungabhatali imali engaphezu kwama-50% kwipotfoliyo yakho kwisitokisini.
Uya kuba ne-volatility kwaye unokuba nomnyaka, okanye kwikota yekhalenda, apho iphothifoliyo yakho iphantsi kwe -10%.
Kwaye abatyali-mali abafuna ukuphepha umngcipheko kufuneke ukuba banamathele kutyalo-mali olukhuselekileyo njengeemarike zemali, ii-CD, kunye nezibophelelo, oku kuthetha ukuphepha izitokethi ngokupheleleyo.
Ulwabiwo olukhankanywe ngasentla lunikeza isikhokelo kulabo abangakabikho umhlalaphantsi. Injongo yemodeli yolwabiwo-mali kukunyusa iindleko ngelixa ukugcina iphothifoliyo ekudlulileyo kwinqanaba elithile lokungazami, okanye umngcipheko. Ezi zabelwe kungabi nilungile xa usuyela kumhlalaphantsi apho uya kudingeka ukuba uhlawule ngokukhawuleza kwi-savings yakho kunye notyalo-mali.
Njengoko ufaka isigaba sokuqhawula, apho uqala ukuthatha ukurhoxiswa , injongo yakho yotyalo-mali utshintsha ukusuka ekubuyiseleni ukubuyisela ekunikeni ingeniso ethembekileyo yobomi.
Iphothifoliyo ekwakhiwe ukwenzela ukwandisa iindleko akunakwenzeka ukuba iphumelele ekuveliseni ingeniso eqhubekayo yobomi. Khumbula, njengoko isigaba sakho sokuphila kunye neenjongo zitshintsho, iphothifoliyo yakho kufuneka iguqulwe. Ukuba usondele kufuphi nomhlalaphantsi, uya kufuna ukujonga iindlela ezithile, njengoko utyalo-mali lokuthatha umhlala-phantsi kufuneka kwenziwe ngokungafaniyo kweli nqanaba lobomi. Umzekelo, xa uhlala phantsi, unako ukubala inani elifunekayo lokurhoxisa kwiminyaka emihlanu ukuya kweyishumi elizayo, kwaye leyo ibe yinto ekhoyo kwipotfoliyo yakho ukuba yabelwe iibhonksi, kwaye intsalela inotyalwe kwiimpahla.
Kubo bonke abatyali-mali, kunokuba kulula ukubanjiswa kwindlela yokugqibela, njengokuhambisa imali kwi-golide, okanye kwi-intanethi, okanye kwi-estate. Kukho inzuzo yokuba neepotifoliyo eyenzelwe ngenjongo kunokuba iphothifoliyo eyenzelwe kwifowuni yakamuva. Qinisekisa ngemodeli yokwabiwa, kwaye uya kugcina iphothifoliyo yakho ngaphandle kwengxaki.