Uninzi lwabatshali-mali abatsha abanalo ulwazi lokukhetha amasheya ngabanye
Kutheni iindumiso zalo mveliso wezezimali ngenxa yokusilela kwayo? Ukuba ungumtyalo-mali oqhelekileyo ngaphandle kokukwazi ukufunda isalathisi, isitatimenti se ngeniso , okanye isitatimende sokuhamba kwemali, kwaye unganakho imali efunekayo ukuqesha enye yeembambano ezimbalwa zeglafi ezimhlophe, ezihambelanayo eziphathekayo eziphathekayo zokutya. kunye nezicwangciso zabo zezizukulwana zezindlu, i-index index izokunika ubuninzi obukhulu kwixabiso elincinci. Nguwe, ngamanye amazwi, "ulungele ngokwaneleyo" ukufumana umsebenzi; intsebenzo enkulu xa ucinga ukuba iphepha elinye lophando lweMasta lafumanisa ukuba abatyali-mali bafumana into enokubuhlungu i-3% ukubuya ixesha elide xa iimali-mali zabo zangaphantsi zivelisa i-9% ukubuya ngenxa yokuba babengenakukwazi ukukwakha iphothifoliyo.
Beka ngokucacileyo, abantu abaninzi abaqondi ukuba ukutshala imali ngokuphumelelayo kudla ngokukhusela iimpazamo ezinkulu.
Kufuneka ufumane iqoqo edibeneyo yezinto eziphathekayo kwixabiso elifanelekileyo, ubambe ngendlela efanelekileyo-yentlawulo yexesha elide (ngokuphindaphindiweyo lihamba iminyaka engama-25 okanye ngaphezulu), kwaye mayeke ixesha lokuphumla. Ukuba awukuthandi ngokukhethekileyo ukusebenzisa izicwangciso zokuthengwa kwezinto ezizodwa kunye nezicwangciso zokubuyisela i- dividend - isicwangciso esihle ukuba uqeqeshwa ukuba unamathele kuwo kunye nomnye oye wachaza amaninzi amaninzi eyimfihlo njengomgcini-mali oyingcipheko uRandiald Funda, ngubani oqokelele i-$ 8,000,000-imali yemali yindlela efanelekileyo yokwenza ifomula efanayo.
1. Unako Ukugcina Imali Ngokutyalombela kwiiNgxowa-mali zeNdleko eziphantsi
Xa utyalomali kwiimali zendleko zexabiso eliphantsi, umrhumo wolawulo okanye umlinganiselo weendleko unokuba ungaphantsi kwe-0.10% ye-asethi ngonyaka ngokuthelekiswa ne-1% okanye i-2% kwezinye iindidi zeemali ezihlangeneyo . Ngokwenyani, oko kuthetha ukuba yonke i-$ 100,000 oyi- Roth IRA okanye i- 401 (k) , uya kuhlawula ngokukhawuleza i-$ 100 kwimirhumo kwinkampani yolawulo lwemali ngokuthelekiswa nokuhlawula i-$ 2,000 ngeengxowa-mali ezibizayo. Lona i-$ 1,900 eyongezelelweyo ngonyaka ephaketheni lakho. Kwixesha elingaphezu kwexesha elide, elinamakhulu amawaka, okanye iidola, zeedola ngobuncwane obongezelelweyo.
Kukho amaxesha apho lo msebenzi-ntengiso ungakufanelekanga. Ngokomzekelo, kwiimeko ezininzi, umcebisi-mali obhalisiweyo okanye ulawulo lobutyebi bangebunikezelo lunikeza inani elongezelelweyo elongezelelweyo ngokweqhinga lobuqhetseba, ukulawulwa kwengozi, kunye nokuncedisa ukutshintshela ngokubanzi (njengokusebenzisa ubudlelwane obuncinci bomhlaba kunye nezaphulelo zokuthengiswa kwemali ukufumana imida yentlawulo yesipho ) , ukubiza ambalwa amacala. Kule miba, ndiza kululeka ukuhlawula ngaphezu kwe-1.5% ngonyaka kwiimirhumo zolawulo. Ukuba ungumsebenzi weofisi onama-80,000 wama-asethi kwiimpahla ezitshalileyo ezihlala e-Des Moines, e-Iowa, akufanelekile ukuba ingxaki okanye iindleko zokuqasha umntu onjalo, ukuba unako ukungena emnyango, ongenakwenzeka ukuba ungekho uxhulumano lwentsapho (ezininzi zinomlinganiselo obhalisiweyo wokuvula imfuno kubaxhasi ukusuka kwi-$ 500,000 ukuya kwii-10,000 000 zamawaka).
Inkcazo yeengxowa-mali iya kuba yinto engcono kakhulu.
2. IiNgxowa-mali zeNdleko eziNcinci zibonelela ngeSahlulo seNdleko
Ukuba ungumtyalomali omncinci ofuna ukuphinda aphendule i- S & P 500 ngokuthenga amanani kwisitokethi ngasinye se-500 ngokuthe ngqo, kuya kufuneka uchithe amawaka eedola kuma-commissions kwaye utyalwe izigidi zeedola. (Oku akuyiyo inkolelo kubaphathi-mali abakhulu, abahlawula isahlulo se-half penny ngesabelo ngasinye kwiindleko zokuthengisa kwiimeko ezininzi ngokuphindaphinda okanye ezinye izilungiso zokuthengiswa ezilawulwa yiprosoft software.)
Ngengxowa-mali yexabiso eliphantsi, ngokuchaseneyo, unako ukutshala imali nje nge-$ 500 ngokusebenzisa i-akhawunti yomhlala phantsi okanye i-$ 3,000 nge- akhawunti ye-broker .
3. Iimali eziNcinci zeNdleko zeNkcazo zikhoyo kwiiKlasi zeAfa ezininzi, iiNkcazo zokuTyala, iMali yokuThengiswa kweMali, kunye nokuNinzi
Iimali zendleko eziphantsi kweendleko ziye zithandwa kangangokuba ngoku kukho imali ngokubambisana nayo yonke indawo nayiphi na igunya okanye ulwabiwo lweefa.
Ngaba ufuna ukutshala imali kuphela kwii-stock value? Isithambiso sabathengi? Amashishini asegesi? Amayeza ngamazwe ngamazwe? Kukho isalathiso esilandelayo esiza kukuvumela ukuba utyalomle kwibhaksi yeesitokethi kumazinga ahlawulwayo.
4. Iimali eziNcinci zeNdleko ziNokuba zilula okanye ziThuthuke njengoko ufuna
Kukho iingxelo zezimali ezingenakulungelelwanga ngokupheleleyo abatyala-mali abatsha, njengalezo ezibamba impahla kwiimali zangaphandle. Kuzo zonke iinjongo kunye neenjongo, ingxowa-mali yenkcazo ayikhuseli okanye ingaphephekanga kunokuba utyalo-mali oluphantsi. Ukuba ubeka i-100% yemali yakho yentlawulo kwi-fund index eneenkcukacha ezinobungozi obungenayo i-junk, awuhambisani nolu hlobo, unobuninzi bee-securities ezahlukeneyo ngaphakathi kweklasi ye-assets bond. Inkcazo yeengxowa-mali ayikho nje kuphela uhlobo loxhaswa ngemali. Akulona uhlobo oluthile lotyalo-mali.
5. Utyalo-mali oluthile kwiIndleko zeeNkcazo eziphantsi kweNdleko Akubhekiselele Ukuba Ucinga Ngakumbi NgezoTyalo-mali ngamnye
Xa unayo inkcazo yeengxowa-mali, utyalomali kwisitokethi ngasinye, izibophelelo, ii-REIT kunye nezinye iziqinisekiso kodwa akudingeki ucinge ngamasheya ngamnye.
Emva kokuba ufumene i-index yenkcazo ehlangabezana neemfuno zakho kunye nokunyamezela kwengozi, ingcamango ukuwuthenga ukuze ungasisebenzisi ixesha lakho lokuzikhethela unqume ukuba i-Procter neGamble ibaluleke ngaphezu kwe-Colgate-Palmolive okanye ingaba i-US Bancorp ixabiso eliphantsi kuneWors Fargo neNkampani. Akunakufuneka ubone iifowuni zakho ze-oyile phantsi kwe-50% ngenxa ye-glut kwiimarike zempahla okanye iifowuni ze-airline eziye zaphazamiseka emva kwesiganeko ezifana nokuhlaselwa kukaSeptemba 11, 2001 . Ngokuqinisekileyo, uhlangabezana nalezi zinto - zinyani, zinyani kwaye zineempahla zodwa, ulungiselele imicimbi yakho ngendlela ongayiboni ngayo kumgca-nge-line ngaphandle kokuba ubambe Inkcazo yeengxowa-mali zeengxowa-mali-kodwa ungazihlala ungenalwazi kubo, ucinga ukuba uzimisele ukuthatha umngcipheko wokuba nokholo indlela eyaqeshwayo isetyenziswa. Iinzuzo ezintle kwiintlobo ezithile zeenkcukacha zengqondo, ezihamba ngqo entliziyweni yezoqoqosho zendlela yokuziphatha.