Impumelelo ekunikeziseni i-asethi ngokuphathelele ukuhambelana, ukulula, kunye nokumodareyitha
Ukuba ukhona kwisayithi kwithuba elithile, unesihloko sokuqala ngokuba sele sixoxe ngokubaluleka kokuqeqeshwa okubizwa ngokuba yi- aseset allocation , okubandakanya ukhetho phakathi kweeklasi ezahlukeneyo zokwakha iphothifoliyo enokulinganisela. imihlaba yezoqoqosho, irhafu yerhafu, iimeko zehlabathi, ukunyuka kwamaxabiso okanye ukuchasana, kunye neminye imiba ebonakalayo imbali ibonakalisiwe ngokuhamba kwexesha. Isihluthulelo sokuhamba ngokuphumelelayo ngamanye amaxesha amanzi aphefumulayo angenza iimali zakho zemali yile mali. Ufuna ukulungiselela onke amaxesha; ukwazi ukuba kungakhathaliseki ukuba kwenzeka ntoni kwimeko yakho yengqesho, uhlahlo lwabiwo-mali lukaRhulumente, i- Federal Reserve kunye neerhafu zemali, okanye i-market market, intsapho yakho iya kufumana inzuzo ephezulu kwizabelo, inzala kunye neendleko ngamnye ngonyaka.
1. Awuyifunayo Yonke Inkunzi Yakho Yotyalo-mali Inyelwe kwiiShishini
Akungabazeki ukuba, ngokusekelwe kwidatha ecocekileyo, ebandayo, enengqiqo, izitokisi yinto efanelekileyo yexesha elide elenza i-asset class for investors-disciplined non-swayed by emotion, gxininisa kwimbuyekezo kunye negalelo , kwaye ungalokothi uhlawule kakhulu kwi-stock , ngokuphindaphindiweyo njengoko kulinganiswa kwindlela yokufumana imali yokufumana umvuzo ngokumalunga nesivuno sesondlo sesondlo.
Ingenokuba yinto enhle, kodwa idibboton & Associates idata ibonisa ukuba abo babekwazi ukwenza oku ixesha elide elifumana umyinge wezinga lokubuyela kwe-10% ngonyaka . Lezo zibuyekezo zazingenangqiqo - isitokethi sinokuhlaselwa phantsi kwe-30% ngonyaka kunye no-50% olandelayo-kodwa amandla okuba ne-portfoliyo ehlukeneyo yamashishini angaqhelekanga aphuma ngenzuzo yangempela, iifemu ezifana neCoca-Cola, UWalt Disney, uMnterter & Gamble, noJohnson & Johnson, uzuze abanini kakhulu imali engaphezulu kwee- bonds , i- real estate , iifenethi zemali , izatifikethi zokupaka kunye neemali zeemali , iimali zegolide negolide , isilivere, ubugcisa okanye ezinye iindidi zee-asethi.
Kufuneka kuphawulwe, kwirekhodi, ukuba abaninzi abantu abanakho ngokomoya abanokwenza oku. Uphononongo olunye lwe-Morningstar lubonise ukuba ngelixa i-asethi ephothifoliyo ephantsi i-9% okanye i-10%, umtyalo-mali oqhelekileyo wafumana u-2% ukuya ku-3% ngenxa yokuthengiswa rhoqo, iindleko eziphezulu kunye nezinye izigqibo eziyinqatha. Leyo ayikho isiqinisekiso sokungaphumeleli ngenxa yokuba, ukuba awufanelanga umsebenzi, awuyi kutyalomali kwiisitokthi ukufumana isityebi .
Ngaloo nto, izitokisi ziyingqayizivele kuba zizinto ezincinci zobunini kumashishini. Ezi ziqephu zobunini, esizibiza ngokuthi "izabelo," zithengiswa kwithende yangempela-xesha abantu ababhekisela kuyo njengemarike yempahla. Xa ihlabathi liwa kwi-cliff yoqoqosho, abantu abaninzi namaziko asebenze kakubi ukuthengwa kwawo afunyanwe kwiimeko ezingathandekiyo zokuba bathengise yonke into abaye bahlala kuyo ukuphakamisa imali.
Isiphumo kukuba kukho uxinzelelo olukhulu kumanani amasheya, okubangela ukuhla kwexabiso elithe catshulwa. Kwixesha-mali-mali elide, oku kulungile, njengoko kubonisa ithuba lokuthenga isigxina esikhulu, ukunyusa ubunikazi kwaye, xa amaxesha abuyela kwizinto eziqhelekileyo, inzuzo kunye nezihlawulelo. Kwixesha elifutshane, linokuba lunzima.
Xa amathuba anjengaleyo akhona, udinga umthombo wemali engenayo ngaphandle kwemarike yamasitoreji ukudala imali ukuze usebenzise iimeko, kunye nokukukhupha kwiimeko ezibuhlungu zokunikezela izatifikethi zezitokisi zakho kwiqhezu ukufaneleka kwabo nje ukuhlawula umrhumo wecala.
Ingaba oku kuyingxowankulu yezibambiso zenkampani , ishishini elincinci elincinci kakhulu , iipropati zezindlu ezingezantsi okanye ongekho nesikweletu, njengezindlu okanye izakhiwo zeofisi, okanye ipropati yengqondo, njengeefrikhrikhi kunye namalungelo obungelo lobunikazi, kukuya kukwenza isigqibo. Ingongoma kukuthi, ufuna into ethile yokuthumela i-greenbacks indlela yakho xa iimarike zezobulungisa ziwela ngaphandle kwexesha-eziya kuthi - ukuze usebenzise ngokunjalo.
2. Mhlawumbi ufuna iFom ye-Financial Conservatively, i-Cash eyenza i-Real Estate
Nangona ubude bexesha elide kwi-real estate bingaphantsi kweempahla eziqhelekileyo njengeklasini (kuba isakhiwo sezindlu asikwazi ukuqhubeka sanda), i-real estate inokukhupha imali eninzi ngokumalunga nokutyalomali lwakho.
Uqeqesho lotyalo-mali kule nkalo ye-asethi ludinga ulwazi oluthile lolwazi; umzekelo, izindlu zokuqashisa zineempawu ezahlukileyo zoqoqosho kunye neendleko kuneendawo zokugcina iimpahla, iiyunithi zokugcina, izakhiwo zeofisi, okanye ukuthengiswa kwemali yokuqeshisa. Kufuneka ukhathazeke ngezinto ezifana nokubonelelwa kunye nokufunwa kwemfuno kwiimarike zendawo, utywala lwakho
isimo salo, isakhiwo somthetho (awunakuze ufune ukuhlamba imoto ngokuthe ngqo egameni lakho; endaweni yoko, ufuna ukumbamba kwinto efana nenkampani ejongene nemfanelo ), kunye ne-inshorensi. Sekunjalo, ekugqibeleni, ube neqonga lepropati onokuyibona ngamehlo akho, thintela ngezandla zakho, kwaye kukuvumela ukuba ubukele imali ngokubakho rhoqo kuvela kubahloli bakho abakuthumelayo banamandla, kokubili ngemali kunye nengqondo.
Ingozi enkulu yokutshala imali kwi-class ye-asset class isilingo sokusebenzisa umlinganiselo omkhulu. Iintlawulo ezincinci ezantsi, ukucinga ngokuhlala kwendawo, kunye nemivuzo yokuqeshisa irenti eziqhelekileyo zinomkhuba wokudibanisa ukwenza i-trifecta yeentlekele zemali kwi-speculator engaqapheliyo ekholelwa ngokungafanele ukuba usebenza njengomtyalo-mali.
3. Awufanele unakuthengise ukubaluleka kweCash kunye neCash Equivalents
Ngokwenene, ukubuyiswa kwexabiso lokunyuka kwamaxabiso, ukubuyiswa kwentela emva kweerhafu, ukuhlawulwa kwemali kunye nokulingana kwemali kubangelwa isivuno esibi ngeli xesha eli nqaku libhalwa. Oko kuthetha ukuba nonke nonke niqiniseke ukuba uya kulahlekelwa ngamandla okuthenga xa ubambelele kuwo. Sekunjalo, imali ingasebenza njengesikhonkwane esinamandla kwipotfoliyo yakho. Ngexesha elihle, linciphisa ibuyisela kwinani elincinane. Ngezihlandlo ezimbi, kunceda ukuzinzisa i- balance sheet . Abanye abatshali-mali bezona zilungileyo kunye nabanamava kakhulu kwihlabathi banomdla wokugcina i-20% yeempahla zabo zeemali ngenkokhelo kunye nokulingana kwemali, ngokuqhelekileyo yindawo ekhuselekileyo yokupaka le mali i-United States. ngqo kunye neSebe leMali leMelika.
Ungabi ngomnye walabo bantu abangenakukwazi ukugcina imali okanye kuba ulingelwa ukuba utyhale-utyalomali ngokukhawuleza. Linda. Ulawulo lotywala lenye yezinto ezilula, kwaye zinzima kakhulu, izinto zokuziqonda. Kudinga ukuqonda nokwamkela ukuba indima yemali kwimali kunye neklasi ye-asethi yexabiso elilinganayo ayifuni ukwenza imali kuwe, kodwa ukuba ube ngumgaqo wokhuseleko.
I-Point of Balancing Class Aset Class Exposure Is Protection and Opportunity
Ukufumana ilungelo lokuchithwa kweklasi ye-asethi ngenye yemisebenzi ebaluleke kakhulu oya kuba nayo njenge-CEO yobomi bakho. Inokukubeka kwindawo apho uhamba ngomkhumbi ngezoqoqosho ezingenasiphelo, ungaphumeleli ubuthongo. Ingakunika imifudlana kunye nemithombo yemali yokuhambisa xa amathuba ekhona njengoko abanye bahlawula ukuhlawula iindleko zabo. Musa ukuyiphatha njengento encinci. Cinga ixesha elide kwaye unzima ngalo. Ngaphandle koko, qiniseka ukuba uyayiqonda into onayo .
Ungaqali ukufaka iiklasi zee-asethi ezingaphezu kobuchule bakho, ukuhlahlela amathuba amnandi phambi kwakho ngaphandle kweengcamango ezingekho phantsi. Ewe, ulwahlulo lubalulekile kodwa ukulawulwa kwengozi kufuneka kuqalise ngokuqinisekisa ukuba zonke izikhundla oziphetheyo, okanye kwezinye iimeko, iibhasikidi ezithile zezikhundla apho wenza amabhethishini kuwo onke amacandelo okanye kumashishini , uthembisa ukuba kunokwenzeka ukwaneliseka kweziphumo ezintle nangona izinto ngahambi kakuhle.