Nendlela Yokubuyisela Ngayo Xa kuvela
Nantsi into ekufuneka uyazi ngayo ukuba kutheni abantu belahlekelwa yimali kwiimarike - kunye nendlela yokubuyisela emva kokulahlekelwa.
Abantu balahlekelwa yimali kwiimarike kuba bengayiqondi imijikelezo yezoqoqosho kunye nezoqoqosho.
Imijikelezo yezoshishino kunye nezoqoqosho iyancipha kwaye iyancipha. Imijikelezo yexhamla ikhuthazwa ngoqoqosho olukhula, ukwandisa umsebenzi, kunye neminye imiba yezoqoqosho. Njengoko ukunyuka kwamaxabiso kukhula , amaxabiso aphakama, kunye nokukhula kwe-GDP kuhamba, ngokunjalo ukuthengiswa kwempahla kwintengo.
Iimarike zotyalo-mali ziyakhula kwaye ziwele ngenxa yeziganeko zehlabathi. Emva kwe-9/11 imarike yemasheya yaba ngama-7.1 ekhulwini, ilahleko enkulu yosuku lokutshintshiselwa. NgoLwesihlanu, ngoSeptemba 15, 2001, i-New York Stock Exchange yayishiye i-14 ekhulwini ngelixa i-Dow Jones kunye ne-S & P 500 yawa ngama-11.6 ekhulwini.
Ukuba uthengise ngeveki emva kwe-9/11, ukutshala kwakho imali bekukude kulahlekelwe yimali.
Kodwa ukuba ubambelele ngokukhawuleza kwaye ungenzi nto emva kokuncipha, uya kuvuzwa wena uzimisele: Ngaphantsi kwenyanga yokuhlaselwa, iDow Jones, Nasdaq, kunye ne-S & P 500 babuyele apho babekho ngaphambi kokuhlaselwa.
Ukuze ugweme ukulahlekelwa yimali ngexesha lokuncipha kweemarike, ukubethelwa kwakho kukugqwesa ukuhlala uzinzile kwaye ulindele ukuba utyalo-mali lwakho lubuyele.
Abantu balahlekelwa yimali kwiimarike kuba bavumela iimvakalelo zabo ziqhube ukutshala imali.
Imali yokuziphatha - umtshato weengqondo kunye nokuziphatha kwezoqoqosho - uchaza indlela abatyali-mali abazenza ngayo izigqibo ezimbi.
Ukuqonda iingcamango ezisisiseko zemali zokuziphatha kunokusindisa ezininzi kwiilahleko ngexesha lokutshala imali.
Xa utyalo-mali, ingqondo yomhlaba yenye yezona mpazamo ezimbi kakhulu zokuziphatha, kwaye idlala xa ulandela isihlwele sotyalo-mali. Ukufakela ngokutyalomali kwenzeka xa ulandela iqela, ngaphandle kokuvavanya ulwazi olukhoyo.
Ngasekupheleni kwee-1990 ii-capitalists kunye nabasomali-mali ngabanye babebethela imali kwiinkampani ze-intanethi ze-com, ukuqhuba amaxabiso abo phezulu. Ininzi yale nkampani ayinakho ukuzinza kwemali. Abatyalomali, besoyika ukulahlekelwa ngaphandle, baqhubeka belandela umhlambi kunye neerali zabo zokutshala imali.
Ukujonga kwiimbuyekezo zeemakethe zeS & P 500 zembali zibonisa indlela ukuthenga nokuthengisa ngomhlambi kungonakalisa ukubuya.
Ukubuyiswa koNyaka kweS & P 500 | |
Unyaka | Buyela |
1995 | 37.20 ekhulwini |
1996 | 22.68 ekhulwini |
1997 | 33.10 ekhulwini |
1998 | 28.34 ekhulwini |
1999 | 20.89 ekhulwini |
2000 | -9.03 ekhulwini |
2001 | -11.85 ekhulwini |
2002 | -21.97 ekhulwini |
(Umthombo)
Ukuphepha ukulahlekelwa yimali kwiimarike, ungalandeli isihlwele kwaye ungathengi kwiimpahla ezingaphezulu. Kunoko, yakha icebo lotyalo-mali, kwaye ulandele.
Abantu balahlekelwa yimali kwiimarike kuba becinga ukuba utyalo-mali luyisicwangciso-esisisityebi.
Unokulahleka ngokukhawuleza i-dollar yakho yokutyalomali ngokuphulaphula amabango ahlaselayo we- penny stock and strategies-trading day.
Uphononongo olusandul 'uDarbar lubonise indlela abatyali-mali abayiyo eyona nto intshaba. Ukususela ngo-1997 ukuya ku-2016, umyinge osebenzayo wemali- mveliso-mali wathabatha ama-3.98 ekhulwini ngonyaka, ngelixa i-S & P 500 yeli-index libuyele i-10.16 ekhulwini kwimbuyekezo. Izizathu zilula: Abatyalo-mali bazama ukukhupha iimarike ngokuzisebenzisa ngokuthe rhoqo ukuthenga nokuthengisa ngokuzama ukuzuza amanqaku aphezulu.
Ukuze ugweme ukulahlekelwa yimali kwiimarike, qhafaza iindawo ezingabonakaliyo zotyalo-mali kunye nezithembiso zobutyebi. Njengoko kwi-fable ye-Tortoise ne-Hare, icebo "eliphucayo nelisigxina" liza kuphumelela: Gweba izinto ezintle "azikwazi ukuphosa" imida kunye nezicwangciso, kwaye kunoko unamathele kwiindlela zokutshala imali ezibonakalisiweyo kwixesha elide. Nangona unokulahlekelwa yinto efutshane kwixesha elifutshane, ekugqibeleni indlela ehamba ngokukhawuleza kunye nokuqhubekayo iya kuphumelela umncintiswano wezezimali.
UBarbara A. Friedberg ungumphathi wepotfoliyo wangaphambili kunye nombhali we- Invest and Beat the Pros-Yakha kunye nokuLawula iNgxowa-mali ePhuloli . Ukubhala kwakhe kubonakala kwiiwebhusayithi ezahlukeneyo kuquka uRobo-Advisor Pros.com kunye noBarbara Friedberg Personal Finance. com.