Ukuqonda iMilinganiselo ye-Inflation kunye nePortfolio yakho
Ukuba utyalo-mali lwakho lufumana i-7% emva kwentlawulo kodwa izinga lokunyuka kwamaxabiso li-4%, inzuzo yakho "ekunyanisweni" eyi-3% kuphela. Yingakho kubaluleke kakhulu kuwe, njengomtyalo-mali, ukuqonda ukunyuka kwamaxabiso, indlela izinga lokunyuka kwamaxabiso elichaphazela ngayo ixabiso lepotfolio yakho, kwaye unokwenza ntoni ukukhusela izinga eliphezulu lokunyuka kwamaxabiso. Esi sikhokelo siza kukuhamba ngeendlela ezisiseko kwaye sikunike ezinye izinto ekufuneka siziqwalasele.
01 Yintoni Imiphumo?
02 Yintoni ebangela ixabiso eliphezulu lexabiso lemali?
Imali engezantsi ayikho enye imilingo emilingo ethatha i-Ph.D. ukuqonda. Izizathu zezinga eliphezulu eliphezulu lokunyuka kwamaxabiso ngokwenene lilula ngokulula. Thatha amaxesha ambalwa ufunde izimbini ezibangela ukunyuka kwamaxabiso kwaye unokuhamba ixesha elide ekunikeni uxolo kwengqondo.
03 Ixabiso leMali yokuThola imveliso kwiiNgxowa-mali zakho
Ngaba uyazi ukuba kunokwenzeka ukuba ucinge ukuba unelungelo lokufumana inzala okanye izabelo ukusuka kwiphothifoliyo yakho, ukuhlawula irhafu kuloo mali, kodwa ngokwenene ulahlekelwe yimali ngamnye ngonyaka? Ukuze uqonde indlela oku kwenzeka ngayo, kufuneka ubone umzekelo wendlela ukunyuka kwamaxabiso okungonakalisa ngayo umthamo wakho.
04 3 Izindlela zokukhusela i-Portfolio yakho kwizinga eliphezulu lokunyuka kwamaxabiso
Akudingeki ulale nje kwaye ubukele ukunyuka kwamaxabiso kuthatha iminyaka yakho yokusebenza kanzima. Kukho amanyathelo ongawuthathayo ukukhusela ukugcina kwakho! Nazi iindlela ezintathu ezithandwa kakhulu ukukhusela impahla yakho kwixabiso lentengo ...
05 Ziziphi Iimiphumo Zemali?
Kukho iziphumo ezincinci zeziphumo zokunyuka kwamaxabiso, xa uyaziqonda, zinokukunceda kuwe ekuphuhliseni isicwangciso sotyalo-mali.
06 Inzuzo evela kwiNkokeli
Ngaba wayesazi ukuba kunokwenzeka ukuba uzuze kwixabiso lentengo? Imbali igcwele imizekelo yabatyalomali abasebenzisa ukunyuka kwamaxabiso, okuqhelekileyo yinto eyoyikisayo kwizoqoqosho, ukuba bazuze.
07 Yintoni i-Index Index?
Uyazi ukuba ukunyuka kwamaxabiso kungalunganga kwiiphothifoliyo yakho. Uyazi ukuba ukunyuka kwamaxabiso kuyingozi ekuhlawuleni kwakho. Kodwa ke, njani, i-economists ilinganisa ukunyuka kwamaxabiso? Basebenzisa into eyaziwa njenge- index inflation . Nangona izibalo ziyinkimbinkimbi, le nto ayikho.
08 Kutheni Asizange Sibone Imiphumo Yamanani, Kodwa kunjalo?
Uninzi lwabatyalo-mali abatsha bhala mna uze ubuze, "Kutheni singaboni ukunyuka kwamaxabiso emininzi ngemali yokushicilela urhulumente kunye nokulahlekelwa kwemali enkulu?". Impendulo inxulumene nento ethiwa yi-M1, M2, kunye ne-M3 yemali, elula kakhulu kunokuba izandi.
09 Enye inkohliso yokulinganisa ixabiso lemali elindelekileyo
Iingoma ezili-10 Ii-Bonds zokuSindisa
Abatyalomali abanenkxalabo malunga nokunyuka kwexabiso lokunyuka kwamaxabiso bangathanda ukuqwalasela i- Series I Iimali Bondla , ezihlobo oluthile lotyalo-mali oluhlawulela inzala engaphezulu kubanikazi babo xa ukunyuka kwamaxabiso kuphuma kwaye kuncinci xa ukuhla kwamandla emali kuwela!