Ukurhweba okanye ukuTyala imali kwizinto zokuthengisa
Ukuthengwa kwempahla yexesha-mali elide liye laziwa kakhulu kwiminyaka yamuva. Ukufika kwempahla ye-ETF yenze le nkqubo ibe lula. Kukho ezinye iimali-mali ezinjengexesha elizayo elilawulwayo elingenza imali kungakhathaliseki ukuba luphi na ulwalathiso lwexabiso lemveliso. Ukuba utyalo-mali kwiimveliso usebenzisa ipesenteji yepotfolio yakho, ixesha akubalulekanga njengento yokuthengisa.
Amaxesha amabini aqhelekileyo xa abatyali-zimali behlutha kwizinto eziphathekayo ngexesha lexesha xa iimveliso zithengwa kakhulu, kwaye iimpahla zithathwa njengexabiso lokudlala. Ngenye ixesha xa iimveliso zibetha ukuphakama kweminyaka emininzi kwaye abatyali-zimali bafuna ukubamba umgangatho . Enyanisweni, iiklasi ezininzi zee-asethi zitsala ininzi yerhafu emva kokufumana ithuba lokubuya okuphezulu. Ngamanye amaxesha oku kukho ifilosofi enhle, kodwa ngokuthe rhoqo abatyali-mali bathenga phezulu kweemarike.
Impahla, ngokwenene, yintambo yokulwa nokunyuka kwamaxabiso. Kwixesha leminyaka eminyaka, iimpahla zihlala zihamba okanye zigqitha izinga lokunyuka kwamaxabiso. Ngoko ke, isicwangciso sokuthenga kunye nesibambiso sinengqiqo, kungakhathaliseki ukuba umtyali-mali uthenge iimpahla.
Xa kuthengiswa iimveliso, izicwangciso ezininzi zingasetyenziselwa ukuxhamla umgangatho weendleko.
Esinye sezicwangciso eziqhelekileyo sizama ukurhweba xa kuthengiswa intengo yexabiso lempahla emininzi yeminyaka. Xa ixabiso lempahla liwela ngaphantsi kweendleko zemveliso, le ngongoma kukuba ixabiso alisoloko liphantsi kakhulu kwaye i-bottom bottom isondele.
Abathengisi bemveliso abayidingi imfuneko yamanani ukuba batyelele phezulu ukuze benze imali. Ukurhweba kunye nezivumelwano zexesha elizayo kwenza abahwebi bempahla bangene kwiimarike ngokulula, kunye nokwenza imali kwizinto ezihamba phambili. Abathengisi bemveliso basebenzisa isicwangciso esithile sokurhweba kwaye baxhamle ukunyuka kwexesha elifutshane kwixabiso lentengo.
Ixesha elifanelekileyo lokuthenga iimpahla
Akukho ndlela ifom yexesha elifanelekileyo lokuthenga iimpahla, nje ngeempahla. Kuxhomekeka ngokuxhomekeke kwixesha lotyalo-mali kunye neenjongo zokutyalomali. Ukuthengwa okuncinci ngokuqhelekileyo kuyindlela engcono kwimbono yam ukuba unayo ixesha elide lotyalo-mali.
Imarike yegolide ngumzekelo omhle. Ixabiso legolide lafikelela kwi-850 yeeyure ngo-1980, okwakungumlinganiselo ongavamile ngeli xesha. Abanini-zimali abaninzi bathenga igolide ngexesha lokuqhaqhaqhayisa kwaye bafumana ukuthenga ngexabiso eliphezulu elingayi kuphunyezwa iminyaka engama-28. Ngomnye umgca wembonakalo, ixabiso legolide lifikelele kwiminyaka emininzi edlulileyo ngo-1999 kufuphi ne-$ 250 enye.
Le xabiso yayisondele okanye ngaphantsi kweendleko zemveliso kwaye mhlawumbi isondele kumgangatho ngamanani. Ixabiso leGolide lagqitywa kwirekhodi elide elishumi elininzi ludityaniswe kwirekhodi elidlulileyo eliphezulu ngo-1980.
Akuzona zonke iimarike zidlala njengomzekelo wangaphambili, kodwa kukubonakaliswa kakuhle kweemarike zemveliso. Ngamanye amaxesha kuthatha ixesha elide ukuba amaxabiso aguquke, kodwa ahlala enza. Xa utyalomali kwisalathisi semveliso , yenza izinto zibe nzima kunokuba ezinye iimveliso zibe ziphantse kwiiminyaka ezili-10 eziphezulu kwaye abanye bangase basondele kwiminyaka eyi-10. Ukuba unokwenza uhlalutyo oluncinane lweemarike, kukho ubuninzi bezithuthi ezivumela ukuba utyalomise kwimpahla ethile.
Iimveliso ezifana noTyalo-mali
Njengoko umtyalo-mali uza kuthenga i-stocks kwi- portfoliyo yokutshala imali yexesha elide, kubuya okufanayo kwaye kufuneka kwenziwe kwintengiso.
Kungakhathaliseki ukuba iimveliso ziphezulu kuminyaka ephakamileyo okanye i-lows, umtyalomali angangena naliphi na ixesha. Imbuyekezo kufuneka iphume kakuhle kwixesha elibambeleleyo leminyaka emininzi xa uthengela uluhlu olubanzi lwezinto eziphathekayo. Khumbula ukuba iimpahla zidlalwa njenge-wall in potifoliyo-mali. Ukuba iimveliso zingaphantsi kwexesha, mhlawumbi ezinye iimali-mali kwiipotifoliyo ezahlukahlukeneyo zenza kakuhle.