Indlela yokuThengisa imali yakho ngeSIP
Ukuzenzekelayo ukulondolozwa kwakho kunye nokutyalomali kwakhona kususa amandla okwenza izigqibo ezibi malunga nexesha lokuthenga. Ixesha eliqhelekileyo lemarike yeevenkile ayisoloko yinto efanelekileyo kwaye kaninzi ineempembelelo ezingaphezulu kwezinto ezilungileyo.
Kodwa ukuthengwa kweemali zengxowa-mali kunye kunye nesicwangciso sotyalo-mali sinokukwazi ukufumana iziphumo ezinamandla ezide.
Nasi isizathu:
Izicwangciso zoTyalo-mali: I-SIP ichazwe
Isicwangciso sokulondolozwa ngokuchanekileyo, esibizwa ngokuba yi-SIP, isicwangciso sotyalo-mali oluphindaphindiweyo, okanye icebo lotyalo-mali lokuphindaphindiweyo, isicwangciso esilungisa ngokuzenzekelayo esivumela umntu ukuba akhethe inani elithile elingu-dollar (okanye inani elithile elilinganiselweyo xa usebenzisa uvimba-mali, izitokiselwano, iimali ezifanayo okanye ii-ETFs) kwaye ukhethe i-frequency efakwe yepositi okanye utyalo-mali, njengenyanga okanye ngenyanga. I-akhawunti yombane, njenge- akhawunti yemarike yemali okanye i-akhawunti yokulondoloza ibhanki, isetyenziselwa ukuxhaswa iintlawulo eziya kuthenga amanani ohlobo oluthile lotyalo-mali.
Umzekelo, unokusetha i-SIP ukuze nganye inyanga ngomhla ochaziweyo umlinganiselo owukhethayo utyalomali kwingxowa-mali yokuzikhethela. Imihla ye-SIP idla ngo-1, 15, okanye ngowama-30 kwinyanga kodwa ngamanye amaxesha inokuthi ibe nayiphi na imini echaziweyo okanye umhla, kuxhomekeke kwiinkampani zenkxaso-mali kunye nemithetho ye-firmware ye-SIP.
I-Dollar-Cost Costing and SIPs
Utyalo-mali oluchanekileyo luyinxalenye ephambili ye- dollar-cost estimation (DCA) , isicwangciso sotyalo-mali esisebenzisa ukuthengwa kwezabelo zotyalo-mali rhoqo kwaye rhoqo. Ixabiso leqhinga le-DCA kukunciphisa iindleko ezipheleleyo kwisabelo ngasinye sotyalo-mali (s). Ukongezelela, ezininzi izicwangciso ze-DCA zisekwa ngokusetyenziswa kwexesha elizenzekelayo.
Esi sizenzekelayo sisusa amandla otyalo-mali ukuba enze izigqibo ezingalunganga ngokusekelwe ekuphenduleni kwemizwelo kwiimarike.
I-Psychology ye-SIPS: I-Smart Investing Behaviors
Ukuzenzekelayo ukonga lwakho kunye nezicwangciso zokutyalomali yindlela efanelekileyo yokulwa nesitha sakho esona sibi kakhulu njengomtyalomali - nina! Inkcazo yecandelo lomntu, imali yokuziphatha , ibonisa ukuba ukuziphatha komntu (oko kukuthi iimvakalelo ezizilimazayo, ezinjengekratshi, ukwesaba nokukhathazeka) zinganempembelelo enkulu kwintsebenzo yesikhothifoliyo yokutshala imali kunokukhetha ukhetho okanye ulwabiwo lweefa .
Abatyalomali bavame ukwenza iinqunto zabo ezimbi kunabo bonke. Ngokomzekelo, xa amanani esitokisi ekhulayo kunye neentloko zeendaba zichazela iirekhodi ezintsha kwiimpahla zeempahla kunye nendawo engabonakaliyo yokufumana inzuzo, abatyali-mali bathambe ukuthenga iimpahla ezinobungozi, ezifana nezitokethi kunye nemali yokuxhasana kwempahla. Okuchaseneyo kuyinyaniso. Xa amaxabiso esitokisi aswele ngokukhawuleza ixesha elide, abatyali-mali abaninzi bathambe ukuthengisa izabelo zabo. Oku "kuthengwa okuphezulu kunye nokuthengisa okuphantsi," okuchasene ngqo nokutyalo-bulumko, ngokukodwa kwi-investor-long-investor.
Isicwangciso sotyalo-mali oluchanekileyo sisusa imvakalelo ekutyalomali ngokuthenga izabelo zotyalo-mali ngezikhathi ezithile, kungakhathaliseki ukuba kwenzekani kwiimarike zemali okanye oko kuthethwa yiendaba.
Njani kwaye Ungasungula phi iSicwangciso soTyalo-mali?
Uninzi lweenkampani zengxowa-mali, ezifana neVanguard Investments , Fidelity , kunye neT. Rowe Price , zinikeza ii-SIP. Ezi zicwangciso zisoloko zilula ukuseka kwaye ziyakuthi zicelwe kwi-intanethi. Emva kokumisela i-SIP, uza kuba ulungele "ukuyibeka kwaye uyibale" kwaye ugxininise kwezinye izinto ezibalulekileyo ebomini bakho. Musa nje ukulibala ngokupheleleyo - zama ukunyusa inani le-SIP nanini na kunokwenzeka, ngakumbi emva kokunyuka kwamaxabiso.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.