Iimeko zakho ziza kuqikelela ukuba ixesha lilungile
Amanye amacebiso athetha ukuba kufuneka ubambelele kwizinto ezikhethiweyo zesikhundla sakho somqeshwa ngokukhawuleza. Ungayisebenzisi loo nto de ibe isondele kwimihla yokuphela kwayo. Kwiingcamango, ubuncinane, oku kunika isitoko ithuba lokongezwa kwexabiso elongezelelweyo.
Kodwa oku akusoloko kube yiluleko elifanelekileyo. Kwiimeko zakho, inqanaba lakho lokuthuthuzela ngengozi, imeko yakho yerhafu, kunye nezinye izinto ezincinane kufuneka ziqwalaselwe.
Nazi izinto ezintlanu ezinokulinganisela njengoko uzama ukuza nempendulo eyakhelwe ngabanye ngexesha elifanelekileyo lokusebenzisa okukhethiweyo kwezithuba zemisebenzi.
Izidingo Zemali
Ukuba ubambe ikhetho kwithemba lokuba intengo yesitokhwe iya kunyuka phezulu, qwalasela iimfuno zakho zangoku zeemali ngokuthelekiswa nokukwazi ukuzuza okunye. Ukuba udinga imali ngoku kwaye ukhetho lwakho luxabiseke, ukusetyenziswa ngoku kuyinto eqinisekileyo. Ixabiso lentengo ephezulu kwixesha elizayo aliqinisekanga.
Unokufuna ukusebenzisa ekuqaleni ngenxa yokuba:
- Unomyinge onomdla ophezulu onokuwuhlawula.
- Awunayo imali eyaneleyo yokugcina imali kwaye udinga i-fund enkulu yemini okanye i-fund yengxamisekileyo.
- Ufuna iimali zokuhlawula intlawulo kwindlu.
- Unesinye ithuba lokutyalomali lokutshala imali ocinga ukuba unakho amandla ngaphezu kwesitokisi senkampani.
- Ufuna iimali zokufundela umntwana kwiikholeji.
I-Risk / Return Tradeoff
Kukho icandelo kumsebenzi wakho wezithuba zebasebenzi obizwa ngokuba yixabiso lexesha.
Xa kukho iminyaka emininzi isala kude kube ngumhla wokuphelelwa yisikhathi, ixabiso lexesha liyakwazi ukufumana eyongezelelo lexesha elizayo. Ngokubaluleka kwexesha kuza umngcipheko wokuba isitokhe sinokuhla. Iintlawulo oza kuziqonda ngokusebenzisa namhlanje ziya kutshabalala.
Unokufuna ukuthatha ingozi kwitafile kunye nokubonelela ngeengeniso ezingaphezulu xa unokwenzeka:
- Isixa esicacileyo sobutyebi bakho bezemali-ngaphezu kweepesenti eziyi-10-sele sele sibophelelwe kwisitampu senkampani.
- Ikhefu ngesandla namhlanje lingabonelela ngokuphucula kakhulu imeko yakho yezemali ngokusekelwe kwiimfuno zakho zemali.
- Awucingi ukuba nethuba lokubheka i-stock yenkampani likhangele.
Amathuba okuHlalwa kweRhafu
Ukucwangciswa kwentela kubandakanya ukuhlawula imali engenayo kunye nokuncitshiswa malunga neminyaka ezayo. Ukusebenzisa zonke iindlela ozikhethayo kunyaka owodwa kunokukuqhubela kwi-bracket ephezulu. Kukho izizathu zerhafu zokusebenzisa ezinye iinketho ngoku kwaye ulinde emva koko usebenzise abanye. Kungaba nengqiqo ukusebenzisa inxalenye yezinto ozikhethayo unyaka ngamnye kunokuba ulinde kude kube ngumhla wokuphelisa ukuba usebenzise zonke.
Iimeko zeMarike
Ukunyanzeliswa kwesitokethi senkampani yakho kunye nokungahambisani kwemeko yeemarike ngokubanzi kufuneka kuqwalaselwe. Ilanga alisoloko likhanya. Eli nqaku lenziwe kakuhle kwinqaku le-CNN yeMali ekusebenziseni ukukhethwa kwezinto:
"Ngethuba le-stock bubble bubble, umzekelo, ubuncinci abasebenzi abasebenzayo bafumana inzuzo kwizabelo zabo ezinkampani ezindizayo. Ukuguqula iphepha kukufumana ukhetho kwi-real-cash-naphezu kokusebenzisa "ekuqaleni" ngokubaluleka kwintsimi-kubonakala kubonakala kunengqiqo ngokuphindaphindiweyo. "
Ubungakanani Bokukhetha / Utyalo-mali
Ukuba eyakho iyinkqubo eyinkimbinkimbi, ephezulu kakhulu, unokuphinda uphishekele izicwangciso eziphambili ngakumbi kunomntu ongeyincinci. Umgaqo omhle okumele ulandelwe kukuba ukuba awuyiqondi, ungenzi. UJohn Olagues, umbhali we- Getting Started in Employee Stock Options , uthetha malunga nezicwangciso zokuzilolonga ezikhethiweyo zabasebenzi. UJohn ungumntu wokuqala ongakhetha kwiStock Market kuMenzi weMark Market ukusuka kwi-Chicago Board Options Exchange kunye ne-Pacific Options Exchange kwiSan Francisco.
Uthi unokunciphisa umngcipheko kunye nokwandisa ukubuyiswa kwembuyekezo ngokusebenzisa izicwangciso eziphambili ezibandakanya ukuthengisa iifowuni kunye nokuthenga kufaka isitokisi senkampani. UJohn unyanzelisa ukuba xa kuthelekiswa nesicwangciso sokusebenzisa nokuthengisa, iindlela eziphambili zokukhetha iindlela zindlela efanelekileyo yokunciphisa umngcipheko kunye nokuthatha ixabiso lexesha elisele kwiindlela ozikhethayo.
UJohn uchaza iingcamango zakhe kwiMithetho emi-5 yeMigangatho yeGosa lokuLawula abasebenzi beStock . Gcina ukhumbule ukuba ezi zicwangciso eziphambili ziphunyezwe ngokufanelekileyo ngalabo abanokukhethwa kwesikhokelo somsebenzi abangabaluleka kuma-500,000 okanye ngaphezulu.
Ungalandeli ngokungaqhelekanga umgaqo wesithupha kwaye ubambe zonke iinketho uze ufike ekupheleni. Cinga zonke iinkalo zokwenza isigqibo esichaphazela iimfuno zakho.