Izimpawu Awufanele Uthenge Amasheya Okuthengisa
Uthengela iitoko kwiiSitolo zakho ezizithandayo
Ngokuqinisekileyo, i-stock yokuthengisa i-greats njengePeter Lynch ikhuthaze abatyali-mali ukuba basebenzise "ukuthenga into abaziwayo", kodwa loo ngcebiso isoloko ikhutshwe kumxholo.
ULynch waphuma endleleni yakhe ukuba achaze ukuba ukusebenzisa "ukuthenga oko uyaziyo" kwakuyindawo yokuqala, ngaphambi kokuba wenze uphando olufanelekileyo kwisitokisi. Ngokuqhelekileyo, abatyali bemali basentengiso bathenga izabelo kwiindawo zabo ezithandayo kuphela ngenxa yokuba bathanda ukuthenga khona.
Kufuneka usebenzise umgca wakho njengomthengi ukukukhomba kwisitokethi sabathengisi ukuba wena, ngoko ke abanye abathengi, sithenga. Kodwa ukuba ufumana ukuthenga izitokisi kwiinkampani ozithandayo ngaphandle kokwenza uphando olungakumbi, nqama. Ukongeza, ukuba wenza uphando kodwa uhlale uthanda izinto ezithandayo, nangona amanani angayifuni, kuyinkinga. Sebenzisa "uthenge into oyaziyo" ukuchonga izitokisi oza kuyenza uphando, kodwa kufuneka ubheke iinombolo ezibandayo kwaye wenze isinqumo sotyalo-mali. Ukuba awukwazi ukwenza oko, ukutyalomali kwe-stock investment kungabi ngawe.
Awunaso Isihlandlo soPhando ngamnye
Le ngxowa yee-piggybacks kwiqondo lethu lokugqibela, kodwa ukuba awukwazi ukunikela inani elifanelekileyo lexesha lokuphanda iimpahla ezithengiswayo (ubuncinane iiyure ezimbini ngeveki), ngoko akufanele uzuze.
Ngona ubuncinci kufuneka ukwazi izizathu ezisisiseko (ukuthengiswa kwezinto ezifanayo, ukukhula kwemali, ukufumana imali engenayo), kunye neenombolo eziphambili zokulinganisela (P / E, PEG, P / S isilinganiso) esitokisini. Kufuneka uye wazi iindaba zakutshanje, izipapasho zokufumana iimali, kunye nokuqaliswa kwemveliso yazo zonke izinto zokuthengisa.
Kufuneka uchithe ixesha uhlalutya ukhuphiswano lwe-stock yakho yokuthengisa, kwaye kufuneka ukhangele iifowuni zakho zengeniso kunye namanqanaba okubala ngokuhamba kwexesha ukuba ubone ukuba ukhuphiswano lwayo luya kusebenza kwi shishini lawo. Ukuba awukwazi ukwenza konke oko, ukuba awunalo ixesha, kungcono ukuba ungathethi ukuthenga izitokhwe zokuthengisa. Sonke sinemisebenzi kunye nezinto eziphambili; abanye, ukuphanda iimpahla zentengiso kungabi nenye yazo.
I-Panic (Thengisa) Xa i-Market ithola i-Volatile
Uphando luye lwabonisa ukuba umtyalo-mali omyinge wenza umgangatho wemarike malunga ne-7%. Isizathu esiyintloko? Webuy kwaye sithengisa amasheya ngexesha elibi kakhulu. Eqinisile, ininzi lethu liza kuba ngabalimi-mali besabekayo ngenxa yoko, akuyiyo, siyithenga.
Ngoko uthembeke kunye nawe. Ingaba ucinga ukuba uya kuba nekhono lokubamba kwiimpahla zakho ukuba i-market ithengise i-15%? Ukongezelela, kuthekani ukuba izitokisini oziphetheyo zazibuyisela ngakumbi, zithi 30%? Kuba oko kwenzeka ntoni kwiimpahla zokuthengisa; ekubeni ivenkile ibophelelwe ngokuthe ngqo kumthengi, iimpahla zokuthengisa zihamba phezulu kunezinga elifanelekileyo kumaxesha amahle kwaye zikhwela kanzima kumaxesha amaninzi. Ngoko ke, ukuba unomdla wokuzithengisa ngokubanzi, ukuthengiswa mhlawumbi kuyona candelo elibi kunazo zonke ukuba utyalomali.
Unokwazi ukunqoba (omkhulu)
Inyaniso akukhathazeki ukuba ungumthengisi wesifo, okanye ukuba awunaso ixesha lokuphanda iimpahla. Unokubetha imarike ngokulandela ifomula elula . Zithengele iimali zenkcazo, musa ukuzithengisa, kwaye uthenge ngakumbi xa kuthengwa imarike. Ngokuqinisekileyo esi sicwangciso sisasafuna ukuba ugweme ukuthengisa, kodwa kuya kuba lula ukwenza njalo ukuba uthenge i-index index esikhundleni se-stocks. Iimali zee-Index zizithengisa yonke imarike, zininzi kakhulu ezahlukahlukeneyo kunamasheya ngamnye kwaye zinika ukhuseleko olungakumbi.
Utyalo-mali lwabantu ngabanye alukho wonke umntu. Abanye bethu abanalo ixesha, kwaye abanye bethu abanakukwazi ukufumana isisu sokunyuka kwama-stocks. Kulungile, eqinisweni, kungcono ukwazi ukuba phambili kunokuba ulahlekelwe yimpumelelo kwimali kwisitokisi ngasinye.
Xa ucinga ukuba umtyalo-mali otyeshelekileyo ulahlekelwa kwiimarike ngo-7%, ukuthenga nje ingxowa-mali ingabonakalisa isicwangciso esihle.
Ngaphezu koko, ukuba uthengisa xa kuthengiswa imarike, unokutshitshisa i-market ngokulula ngaphandle kokuthenga isitokhwe sokuthengisa.