Ezinye izinto ezisisiseko Bonke abatsha-mali abatsha kufuneka bazi ngoTyalo-mali kwiiShishini
Oku kubangela ukuba babe yintshaba yabo eyona nto xa bephatha kakubi iikotiti kunobunini bobuqhetseba kwinkampani yangempela yokuthengisa kunye nemali abayayinandiphayo, enye yayo ifumaneka kwifom yezabelo zemali .
Makhe sithathe eli thuba ukucima izinto ezintathu ofuna ukuziwa ngaphambi kokuba ufumane isabelo sakho sokuqala sesitokisi. Ngokubeka iingcamango ezingalunganga kwitheyibhile, unethuba elingcono lokuzibamba ngeengozi onokungazi ukuba uthatha kunye nokuzibamba izinto ezikulindelekileyo kumanqanaba afanelekileyo.
1. Amasheya alandela ukufumana kwabo kwixesha elide kodwa angadlulela ngaphandle kwexesha elifutshane
Ngokuhamba kwexesha, inkampani ixabisa kuphela inzuzo eyenza abanikazi. Ama-bubbles e-stock market asinakuhlala ngonaphakade kwaye nokudakumba okukhulu kwezoqoqosho kuza kuphele. Izifundo ezinjengeDkt . Jeremy Siegel zibonakalise ukuba ininzi yembuyekezo yokunyuka kwamaxabiso evela kwii-stocks zivela kwiingeniso ezihlawulwa ngabanikazi njengengeniso yemali .
Enye indlela yokuzikhusela kukuba uqiniseke ukuba awuyi kuhlawula kakhulu isitokethi esimalunga nembuyekezo ngokujonga i-yield yield.
Nangona kunjalo, imarike yemasheya yintengiso enkulu kwinqanaba layo. Oku kuthetha ukuba ngezikhathi ezithile, iimali-mali kunye neemingeni zomgaqo-nkqubo zingabangela ukuba amaxabiso okulingana alahleke kakhulu kwixabiso langempela, elingaphantsi kwe-firm firm value.
Ndihlala ndiyingcamango yokusebenzisa imifanekiso yehlabathi yangempela ukuqhuba ikhaya lombono ngoko makhe siqwalasele into endiyibhale ngayo kwiblogi yam yomntu - utyalo-mali kwizabelo zePepsiCo, enye yezonkqila ezinkulu kunye neentlomerom zintlanzi.
Khawucinge ukuba ngomhla wokuzalwa kwam oneminyaka engama-1980, utyalise i-$ 100,000 kwiingxenye zePepsiCo. Ukungabandakanyi izabelo ezibuyisiwe, namhlanje, uza kuhlala ngaphezulu kwama-6 600,000 kwiingxowa-mali ezibandakanya ubunini kwiinkampani ezimbini ezahlukeneyo ngokubonga kwi -spin-off .
Yiyiphi abantu abambalwa abaqaphelayo uhambo olufunekayo ukufika apho. Ngokukodwa, bahluleka ukuqwalasela amava amaxesha afana noMsombuluko omnyama. Ukuba ungaziqhelanga nalo, lixesha lokuhlaziywa.
Xa uya kulala ngoLwesihlanu, ngo-Oktobha 16, 1987, ubuya kuhlala e-$ 229,425 kwiSikhwama sePepsiCo kwixabiso langoku elixatshulwa ngalo. Ngokukodwa, ubuya kubamba ii-6,900 zama-$ 33.25 nganye. Xa imarike ivuliwe ngo-Oktobha 19, ngokungenakunikwa isilumkiso unokuba ubukele ubunqamle bakho bezakhiwo ze-fall to $ 148,350. Ngaphambi kokuba ube nexesha lokuqonda ngokucacileyo oko kwenzekayo, ngaphezu kwe-35% yexabiso lakho lokulingana likhuphukile kumsi. Yiyo imali eyi-81,075 ye-PepsiCo yobutyebi obuchithwe kwi- balance sheet yakho .
Kuba ngumnikazi wexesha elide , kwakungekho nto. Kwakungeyona nto iphazamisayo ngenxa yokuba uPepsi wayesayithengisa amaninzi amaninzi e-Pepsi kunye neDet Pepsi. Abathengi abazange banikele ngokukhawuleza isiphuzo sabo se-carbonated. Iirejistra zemali kwi-komkhulu yezobumbano ziya kuqhubeka zikhala njengenkampani yesibini ye-soda ehlabathini eveliswe kwiimpembelelo ezivela emacaleni amane emaphu. Umlinganiselo we- p / e kunye nomvuzo womnini wawunomdla. Isihlomelo sasisakhula . Oku kwakungekho njengaxa-ke ukuvavanywa kwangaphambili emva kwexesha le-millennium xa amaxabiso amaconsi ayelungelelaniswa nethemba elidlulileyo kwizakhiwo.
Ukuba ukhathazekile kwaye uthengisa ubunikazi bakho bePepsiCo ngeli xesha, awuzange uphendule i $ 100,000 yakho ngaphezu kwama-6,600,000. Enyanisweni, ngaba ungazibuyisela kwakhona izahlulelo zakho , loo nto iya kuyenza ibe yinto ecebileyo ngenxa yento endiyicacile kwinqaku endiyibhale kwizabelo ze-oliors.
Ukuba utyalomali kwiisitokisi, uya kufumana into efanayo. Akunakuphetshwa. Luhlobo lwemarike yokulingana. Kunoko, unamathele kumlinganiselo okanye ulungelelwaniso lokuqokelela kunye nokuhlala kwikhosi ngokuqinileyo kunye noxakekileyo, uqinisekise ukuba i-portfolio weightings isusa ingozi enkulu.
2. Musa Ukuboleka Imali Yotyalo-mali kwi-Stocks. Oku kuquka kuphela Ukugcina iiShishini zakho kwiAkhawunti yeCash.
Enye impazamo abatsha-mali abatsha benzayo usebenzisa imali eboleweyo ukuhlawula iifotyi. Le nto isoloko iyingcamango ekhohlakeleyo engakhokelela kwimiphumo yentlekele yehlabathi. Siye sathetha ngeengozi zetyala lomda wexesha elidlulileyo, izizathu zokuthi awufanele usebenzise ityala le-margin nokuba ngaba inzala yenzalo iphantsi , ukuba i-margin ifowuni isebenza njani , kwaye nokuba izizathu zokuba ubeke i-stock investment yakho kwi- akhawunti yekheshi kwaye ayikho i-akhawunti yomda .
Ngokugqithiseleyo kuza phantsi kwelokuba xa uboleka imali yokutshala imali kwimpahla yesitokisi, umema omnye umntu okanye isikhungo esingenalo inzala yakho entliziyweni kwinkqubo yokwenza isigqibo; umntu okanye isikhungo esinokukunyanzela ukuba uhlalutye ubunzima bakho buncwane kwixabiso elinesabekayo xa ngokuqinisekileyo umzuzu omkhulu kunokwenzeka ukuba wenze njalo ngenxa yokuba unomdla wokufumana ucebile ngokukhawuleza. Kwimeko enzima, ufumana imeko efana noJoe Campbell. Umfana wayeneminyaka engama-37,000 engama-akhawunti kwi-E-Trade kwaye wayifishisa isitokethi ayekholelwa ukuba yayijoliswe ekutyaleni. Wabuya ulungile. I nkampani yahlaselwa. Okokuqala, ngaphambi kokuba kwenzeke, intengo yesitokti yanda ngokukhululeka, wafumana i-$ 106,445.56 ye-matyala emva kokulahlekelwa i-$ 37,000 eyiyo, kwaye umthengisi wakhe wavala isikhundla sakhe kangangokuthi wayengenalo ukukwazi ukubambelela kude kube yinkqangaza yokugqibela. yamenza ukuba aphendule inzuzo. Akulungile ukuhlala ngale ndlela.
Lo mgaqo uhamba ngaphezu kokuthengwa kwempahla kwimida. Iquka ukulawulwa kwematyala ngokuqatha kwiimali zakho. Awukwazi ukufika phambili, nokuba utyalo-mali kwiimpahla, ukuba unetyala lekhadi lesikweletu. Nangona oku kungangeni phantsi kwe-investing for beginners, ndabhalwa ngetyala lekhadi lesikweletu kwiblogi yam, ndakanya ezinye iindlela zokuziphepha kunye nenyaniso emangalisa ukuba i-55% yazo yonke imizi yaseUnited States ayikho - ityala lekhadi lokuthenga ngetyala. Umgca ongezantsi awukwazi ukufumana isityebi ukuhlawula inzala engama-20% kwityala lakho, ngelixa uqokelela ama-3% ehlula kwii-stocks zakho. Akuqhelekanga ukuba ityala lekhadi lesikweletu. Omnye uchwepheshe owaziwayo wezezimali uye waziwa ngokukhumbuza abantu ukuba inyanga yokuqala kwilwayo efikile ukuba awukwazi ukuhlawula ngokupheleleyo, unenkinga. Ndiyavuma ngokuqinisekileyo. Phuma kwetyala. Yeka zonke iingxaki malunga "netyala elihle" kunye "netyala elibi" kwaye uqaphela ukuba ukunciphisa umngcipheko ngamanye amaxesha kubaluleke ngaphezu kwezinga lakho lokukhula kwonyaka .
3. I-Splits ye-Stock ayikho nto engabonakaliyo kwezoqoqosho. I-$ 50 I-Stock Can Can Be Cheaper than $ 300.
Ngamanye amaxesha abatshali-mali abatsha bavuyiswa ngenxa yokuhlulwa kwesitokisi . Ayiqondi. Ngaphandle kokwenza izabelo ezithengekayo kubasomali abatyholayo, ukuhlulwa kwesitokethi kungumsebenzi wokubalwa kwemali; elilingana nokufumana iibhilidi ezimbini zeedola ezili-10 endaweni ye-$ 20 enye. Ngenxa yesahlulo sekhefu esidlulileyo kunye nezigqibo zesakhiwo sentloko , kunokwenzeka ukuba ukuthengiswa kwempahla ku-$ 10,000 kungabibizi kangangoko kunokuthengiswa kwempahla kwi-15 yesabelo ngasinye. Ukukunceda ukuhamba ngeemathematika, ndabhala ngale nto kwinqaku ebizwa ngokuba yiCing Think About About Share Price ungathanda ukujonga xa unomzuzwana.
Olunye ulwazi malunga noTyalo-mali kwiShishini
Ukuze ufunde okungakumbi malunga nokutshala imali kwiisitokisi, thabatha imizuzu embalwa ukufunda isicatshulwa esibanzi ndibeka ndawonye abatsha-mali abatsha ababizwa ngokuba yi -Complete Complete Beginner Guide Yokutshala imali kwiiShishini . Iqulethe amanqaku amaninzi kunye nezibonelelo zokukuthatha ngokubaluleka.