Indlela iNkundla yokuTyalo-mali isetyenziselwa ukukhokela iAkhawunti okanye iNgxowa-mali
Leyo yimibuzo emnandi! Kwiimviwo ezilishumi ezilandelayo, ndifuna ukukunika imvelaphi encinane ukuze kukunike ukuqonda okungcono kwendima yokugunyazwa kwegunya lokutyalomali ekulawuleni i-akhawunti, iphothifoliyo, okanye enye into ehlanganisiweyo.
Inkcazo yeMali yokuTyala
Igunya lotyalo-mali ngumyalelo wokulawula i-pool ye-capital, okanye inqwaba yemali, usebenzisa isicwangciso esithile kunye nakwimimiselo ethile yobungozi. Ngokomzekelo, ukuba umthengi uboniswe kwi-firm management firm kwaye wathi, "Ndinayo i-$ 500,000 ndifuna ukukhuseleka ukuze ndiyisebenzise ukuhlawula isakhiwo kwisakhiwo seofisi kwenkampani yam kamva kulo nyaka", igunya libizwa lokugcina imali . Kukho uluhlu oluncinci lwezolimo eziza kuqwalaselwa xa kwakhiwa iphothifoliyo efuna ukulondolozwa kwemali . Awuyi kuthi, ngokomzekelo, uthenge izabelo zezona zibophelelo zexesha eliphakathi kwe-bilt-edged-middle-term okanye i- royal royal of stock chips ngoba i-time frame ayikuvumeli ukunciphisa ingozi yokungazinzi .
Ngamanye amagama, umcwaningi oshishino onengqiqo unokuthetha ngokuqinisekileyo kwezabelo ezinjenge-Johnson & Johnson, enye yezinto ezine ze- S & P 500 kuphela kunye ne- Triple A bond credit rating , kufuneka ixabise imali eninzi kwi-10. , I-15, okanye iminyaka engama-25, kodwa akukho namnye ucinga ukuba kuya kungafaneleka ngokwemali yecatshulwa iveki ezayo okanye kwiminyaka emibini ukususela ngoku.
Luhlobo lwendlela yokuthengiswa kweeyunivesithi eziqhelekileyo. Akunakuphetshwa. Yingakho umcebisi wezemali oyingqungquthela uBenjamin Graham uthe ngexesha elifutshane i-stock market ngumatshini wokuvota, ebonisa ukuthandwa, kodwa kwixesha elide, ngumatshini olinganisa, obonakalisa ixabiso langaphakathi.
Imizekelo yeMatyala eMali
Ngaphandle kokulondolozwa kwenkunzi, esele sixoxe ngayo, igunya lokutyalomali lingabandakanya injongo. Nazi ezinye ezintathu ezithandwa kakhulu:
- Isikhundla sokuTyala kwexesha elide-mali: Umphathi weepotifoliyo ukubeka phambili ukuxabisa kwexesha elide leemali eziphantsi kwezinto ezinjengengeniso yangoku okanye ingozi yokunyaniseka. Ukuba iphothifoliyo iyancipha i-30% ngomso, akukho nto ibalulekile, kuphela ukuba ikhuselekile kwaye iphilile; ukuba iminyaka eyi-10 ukususela ngoku, kuxabiseke ngakumbi njengoko umgangatho osemgangathweni wobunini obangelwe kwiziphumo eziyanelisayo.
- Injongo yokuTyala imali: Xa umtyali-mali efuna ukuhlala kwimali yakhe, ingakumbi xa umhlala-phantsi sele ufikile, igunya lokufumana ingeniso lenza ingqiqo enkulu ngaphandle kokuba kukho ubutyebi obuninzi behlezi ngeenxa zonke ukuba akukhathazeki. Ngaphantsi kwesi sigunyaziso, umphathi wephothifoliyo kufuneka abeke phambili ingeniso ekhoyo yangoku kwimithombo efana nemigangatho, inzala kunye neendleko , ngokukhula kwexesha elide. Oku kunokuthetha ukukhetha amashishini aqolileyo, akhula ngokukhawuleza kunye nomlando omdala wezabelo ezandayoyo, izibophelelo zenkampani, isitokhethi esikhethiweyo , okanye i- real estate enexabiso elifanelekileyo lexabiso .
- Injongo yokuTyala imali: Njengokuba ingoma endala, amanye amantombazana (okanye amakhwenkwe) afuna ukuzonwabisa. Kungakhathaliseki ukuba yinto evuyisayo, umnqweno wokufumana ubutyebi ngokukhawuleza, okanye ukuzonwabisa ngokufumana amathuba anengqondo kunye nokuzama ukubenza ibe yintsikelelo ngokugqithiseleyo kunenkqubo leyo, isigunyaziso sokuxela singabandakanya phantse nayiphi na into ekuthengiseni i-penny stocks ukuthenga ngaphandle- i-ye-imali yokhetho lwexesha elifutshane. Ngamanye amaxesha, i-akhawunti eneli gunya "yimali yecala", lowo ngumntu onayo sele sele ephethe iphothifoliyo eyona nto ikhuselekile kwaye ihlanganiswe nabo ukuze bagcine oko bakujonga imali yokudlala (ingaba kukho into enjalo?) akhawunti ekhethiweyo.
Igunya lotyalo-mali linganqanda umphathi weepotfoliyo kwiiklasi ezithile zee-asethi, indawo zendawo, amashishini, amacandelo, amanqanaba okulinganisa, ukuhlaziywa kweemarike, kunye / okanye nayiphi na into onokuyithatha.
Umzekelo: igunya lotyalo-mali lwakwamanye amazwe lithetha ukuba kufuneka ube nesitokethi zombini kwilizwe lakho nakumazwe aphesheya, ngelixa igunya lomhlaba wonke lotyalo-mali lithetha ukukhawulela iipotifoliyo kwiifenisi okanye ukuqhuba ibhizinisi ngaphandle kwelizwe lakho. Igunya elincinci lotyalo-mali lokutsalwa kwemali lithetha ukufumana amafemu akhangayo angaphantsi kobuninzi bexabiso lentengo. Igunya lotyalo-mali lokuthengisa imali elingaphantsi linokuthi lithintele ipesenti yepotfoliyo engathengiswa kunyaka nawuphi na unyaka ukuya kwi-3% okanye i-5%; ngokuqinisekileyo ngaphantsi kwe-10%, okokugqibela okuza kubonisa ixesha eliphakathi lokubamba ubuncinane ubuncinane kwiminyaka elishumi kwisithuba ngasinye.
Isigunyaziso osigqibayo malunga neengxelo zakho kufuneka zihambelane neemeko zakho zangoku, iinjongo, kunye neNkcazo yeMigaqo-nkqubo ye-Investment, okanye i-IPS . Funda malunga nezinto eziphantsi kolawulo .