Utyalo-mali lubonakaliswa kakhulu kuba kukuvumela ukuba ugweme ukukhetha amasheya, kunokuba uthembele ekusebenzeni inxalenye ebanzi yemarike yokubuyisela.
Ngaphezulu kwelo, ukuhlonywa kwindlela ephantsi yokunandipha ukungafani ngokukhawuleza kwipotifoliyo yakho . Iimali zee-Index kunye ne-ETFs zichaza imali ephantsi kakhulu kunemali elawulwa ngokuzimeleyo, kwaye abanye abathengi abayi kuhlawulwa imali xa kuthengwa imali.
Kubonakala ngathi i-slam dunk: Iintlobo zeemarike kwindawo efanelekileyo, ephantsi kweendleko. Kodwa ngaba ukutsalathisa okwenene konke kuphelile? Nazi ezinye zeepsides ukutsalathisa utyalo-mali.
Uqhuba Umngcipheko Wokuthenga Ophakamileyo
Enye yezicwangciso eziqhelekileyo ezisetyenziswa ngokubambisana kunye neenkcazo-mali zibiza imali. Ngeli cwangciso, utyalomali imali efanayo rhoqo, kwaye uthenge amanani amaninzi ngangokunokwenzeka. Ngokuqhelekileyo, utyalo-mali luzenzekelayo kwixesha elithile kwinyanga nganye. Oko kuthetha ukuba unokuthenga ngamaxesha apho amaxabiso olwabiwo aphezulu. Ufumana imali encinci ngemali yakho.
Ngakolunye uhlangothi, ufumana izabelo ezongezelelweyo zemali yakho xa i-dollar-cost cost estimation yenzeka xa ixabiso lemarike liphantsi.
Nangona kunjalo, kuba i-marhwebo ikhula ngokunyuka kwexesha, ngokubanzi, uyaqhubeka ukuthenga njengezabelo zibiza kakhulu. Kwaye utyalo-mali kulo lonke ixabiso-mali kuthetha ukuba utyalo-mali abatyali-mali baya kuhlawulwa ngokugqithiseleyo kunoma yiyiphi inxalenye yemarike ibaluleke kakhulu, bebashiya ikakhulukazi abasengozini yokulungiswa kwemarike.
Ithemba lakho elihle kukuba xa ixesha lokuthengisa nokuhlawulela njengenxalenye yesicwangciso sakho sokufumana umhlalaphantsi (okanye ngesinye isizathu), i-market is on upswing.
Ukungabikho kokuQiniseka nokuLawula
Omnye umba kukungabikho kokuguquguquka nokulawula. Ngenxa yokuba izabelo zeengxowa-mali zichazwe yinto egcinwe kwisikhombisi-ndlela, awukwazi ukulawula oko kukho. Ukuba awuyithandi inkampani kwi-fund, awukwazi nje ukukhipha kwipotifoliyo yakho. Oku kulungelelanisa kufinyelela kwezinye iimali kunye. Umphathi osebenzayo unokutshintsha i-asethi eyenziwa phantsi; akunjalo nangemali yenkcazo elawulwa ngokungapheliyo.
Ngaphezulu, kukho ithuba elihle lokuba ungeke ube nokusebenzisa amalungelo abanini-mali. Ukuba usebenzisa ii-ETF zenkcazo, kukho ubuncipheko obuncinane. Ukuboniswa kweengxelo kunokukhokelela kwimeko apho ukuphendulwa komsebenzi kuhla. Uninzi lwabatyalo-mali abathatha ingqalelo kwizinto eziqhubekayo kunye neenkampani, kwaye abanako ukusebenzisa onke amalungelo abo.
Akukho Mandla kwiNzuzo ePhambili
Xa utyalo-mali kwi-index index, awuyi kubetha itengiso kwiimeko ezininzi. Nangona kukho ezinye iimbosi ezinokuthi zingaphelelanga, ngokuqhelekileyo, awukwazi ukulindela ukuba isikhwama sakho senze okungaphezu kokuhamba ngeemarike.
Ngaphezu koko, ngenxa yemirhumo, ukubuyiswa kwakho kwenene ngokuqhelekileyo kunamahloni ekusebenzeni jikelele kwemarike.
Ukuba kukho imbuyekezo engaphezulu yokubetha i-marhwebo, unokuqwalasela ukubaluleka kokutyalomali kwizinto ezikhethiweyo ezikhethiweyo, ngokukodwa izitokethi zokuhlawula. Ukongezelela, unokukwazi ukubona ukubuya ngcono xa ukhangela ukutyalomali kwishishini lakho, okanye ukukhula kobutyebi ngezinye iindlela. Utyalo-mali-mali asiyindlela yodwa yokubona uzuzo oluqinileyo ngaphezu kwexesha.
Impahla, impahla kunye neensimbi ezixabisekileyo zinokukunika namathuba okuzuza ngokugqithiseleyo kwixesha, ukuba uyakwazi ukuwathengisa. Kubalulekile ukuba uqaphele ezi ntlobo ze-asethi, nangona kunjalo, kuba ziza neengozi zabo kwaye ngamanye amaxesha zihlala zichithwa njengezithuthi.
Iimali zeeNgxowa-mali: Seyona ndlela elula kunayo yonke yokufezekisa, ukuzuza okuqinileyo kwexesha
Ekugqibeleni, ukotya utyalo-mali luseyona ndlela elula yokukhulisa ubutyebi bakho ngokukhawuleza kwexesha.
Ngamanye amaxesha, xa ufikelela kakhulu kwisicwangciso kunye nepotfoliyo yakho, ubeka umngcipheko wokwenza iingqiqo uze uqhube kwintsimi yexesha lemarike. Kubalulekile ukuba uqaphele oku. Ngokuqhotyoshelana kunye ne-dollar-cost cost-you do not catch up in the market.
Xa usalathisa ixesha elidlulayo kwiminyaka emashumi, unako ukukhulisa ubutyebi bakho ngendlela ekunceda ufikelele kwiinjongo zakho, nokuba awuyi kubona ezinkulu iimali zentengiso. Enye indlela yokusondeza utyalo-mali kukubeka ubuninzi besakhiwo sakho sobutyebi besikhathi eside kwiqhinga lokwabiwa kweefayili usebenzisa uhlengahlengiso, kwaye usebenzise inxalenye encinci kwipotfoliyo yakho enotyalo-mali ezinokubuyisa imali ephezulu.