Kukho abanye abatyalo-mali abaye balahlekelwa xa bethengisa amasheya. Mhlawumbi oku kwenzeka kuwe, apho kubonakala ngathi naluphi na utsalo-mali owenzayo ngokukhawuleza luqala ukuhamba ngendlela engafanelekanga.
Uninzi lwabatyalomali benza malunga nomyinge, ngokwemigangatho yentsebenzo. Ukuba iimakethi iya kunyusa iipesenti ezili-10, iyakwenza iipesenti ezi-8 okanye iipesenti ezili-12, kodwa zixhomekeke kumgangatho omkhulu.
Nangona kunjalo ke kukho abo batyali-mali ababonakala behlala njalo kwaye benza ngokuqhelekileyo iinzuzo zokurhweba. Kutheni malunga nendlela yabo ebonakala ihlawula rhoqo? Benza ntoni ngokuhlukileyo kuninzi lwabantu esichaze ngaphambili?
Eyona ndlela, indlela yabo yokuphumelela ekuthengeni nasekuthengiseni izabelo mhlawumbi izandile into encinane njengale:
- Yiba neSicwangciso
- Ukuphuhlisa iMithetho eqinile
- Ukuqhubeka nokuFunda
- Yeka Ukulahleka Kwemida
- Isikhundla esifanelekileyo
- ImiThamo yezeMali yokuBheka kwizoQoqosho kunye neMashishini
- Ukulawula iimvakalelo nokugwema impembelelo
- Ukulungiswa kwesiCwangciso kunye neMithetho
- Ukuhlala kwiNkalo
Yiba neSicwangciso
Ukuba awuyazi apho uya khona, nayiphi na indlela izakuthatha khona. Ukuba nesicwangciso kubalulekile kuba kuya kukugcina ekulandeleni, kwaye kukuvumela ukuba ulinganise inkqubela yakho.
Kuphela ngesicwangciso sokurhweba uya kuba nako ukuchonga kwaye ubonise ukuba yeyiphi imicimbi yokuthengisa yakho ihlawula.
Ziziphi iindawo ezikunceda ukufudukela kwindawo oya kuyo?
Isicwangciso sakho sifanele sibandakanye imigaqo efanelekileyo, njengale:
- iintlobo zotyalo-mali (amanani, amashishini, ubungakanani bekampani, njl.)
- Ixesha lexesha uzimisele ukugcina isitokisi
- ukungahambisani (Beta) zezabelo
- iphrofayili yengozini (indlela engozi okanye ukucinga ngokutsha-mali?)
- yiyiphi imilinganiselo yeengeniso / iingeniso ezinokulindela kwisitoko ngasinye?
- imithombo yolwazi oyisebenzisayo / uyayithemba?
Ngecebo lakho, kufuneka ugcine umkhondo osondeleyo otyalo-mali owenzileyo, kunye nezizathu ngamnye, kunye neziphumo ngokwemiqathango nayiphi na inzuzo okanye ilahleko. Oku kuya kukunceda ubone ukuba yiziphi iintlobo zeentengiso eziye zazinenzuzo kuwe, oko kukunceda ukulungelelanisa isicwangciso sakho ngokuqhubekayo njengoko kufuneka.
Ukuphuhlisa iMithetho eqinile
Ngokuqinisekileyo kufuneka ube nemithetho yokurhweba. Kuya kuba nzima ukubonisa ngokupheleleyo ukubaluleka kwalolu hlobo "lotyalo-mali olutsha," ngoko masithethe kwakhona: kufuneka ube nemithetho yokuthengisa.
Ngokomzekelo, unquma ukuba ungalokothi utyalole kwiinkampani zamanye amazwe okanye abo banexabiso lentengo elingaphantsi kwama-$ 2 okanye bangama shishini athile okanye banetyala elithile okanye ixabiso lentengo. Kungaba nantoni na kwaye kufuneka iphuhliswe kwaye ihlengahlengiswe ixesha. Gcina injongo engqondweni rhoqo - ukuzikhusela kulawo maphutha aphethwe ngamathambo sonke esiwenzayo ngezikhathi ezithile.
Xa usenza umgaqo, kufuneka unamathele ngokupheleleyo kuma-100 ekhulwini. Uyakwazi ukulungelelanisa imigaqo njengoko uhamba ngokusekelwe ngokubanzi kwiintlobo zeziphumo ozifezekisayo ngolu hlobo lwezorhwebo.
Ngokuzibetha njengokuba ufunda kwaye wenza, uya kuqhubeka uqinisa isicwangciso sakho kwaye uzikhusele, ngelixa ucinga iingeniso.
Uhlala ufunda
Nangona usithengise i- penny stocks ukususela ekubeni uneminyaka eyi-14 ubudala kwaye ubekhokelela kwishishini kwiimpahla eziphantsi kwexabiso eliphantsi, malunga nezinto zonke, uza kufunda izinto ezintsha imihla ngemihla (okanye ufanele ukuba).
Ngamanye amazwi, uhambo lwakho lokuba ngumtyalomali omkhulu luquka ukufunda okuqhubekayo nokungapheliyo. Indlela entsha yokwenza uyenze kunye nezicwangciso ezininzi, iinkqubo, kunye nolwazi olumbileyo, ngokuthe rhoqo indlela yakho yokutyalomali iya kuhlawula.
Yeka Ukulahleka Kwemida
Enye yeendlela eziphambili kunye ezifanelekileyo zokurhweba, kukusebenzisa iilayiphu zokulahlekelwa kokuyeka ukunciphisa imingcipheko ephantsi. Ukubeka nje, ukuba uthenge izabelo kwixabiso elithile, ukhetha ixabiso lokuyeka ukulahleka okumalunga neepesenti ezi-3 okanye ama-5 ekhulwini, okanye mhlawumbi i-8 ekhulwini, ngaphantsi kwinqanaba othenge ngalo amasheya.
(Ngokomzekelo, ukuba uthenge izabelo kwi-$ 102, unokubeka ukulahlekelwa kwakho kokuyeka "intengo yexabiso" kwi $ 99).
Emva koko, ukuba izabelo ziwela kuloo ntengo ye-trigger ngesizathu esithile, uthengisa ngokukhawuleza. Ngale ndlela, unciphisa ubuncinane bakho kumlinganiselo omncinci, mhlawumbi malunga neepesenti ezi-3 okanye ama-5 ekhulwini okanye ama-7 ekhulwini.
Unokuthatha ilahleko ezincinci kumashishini angalunganga ngaphambi kokuya kumba kakhulu. Okwangoku, unqanda ukulahleka kwezinto ezibuhlungu ezenza amaxesha ahlawule ngamaphesenti ama-50 okanye ama-75 ekhulwini ... okanye i-100 ekhulwini!
Kwakhona, usebenzisa imiyalelo yokulahleka kokuyeka kunye nemida yokulahleka njengoko kuchaziwe, igcina utyalomali nje kuphela ukuba izabelo zingabikho kwixabiso lakho lokuqala. Ngaloo ndlela, uhlala "ungenele" kwintalo-mali, njengokuba unandipha inzuzo xa izabelo ziqala ukuhamba phezulu.
Ngokomzekelo, uthengela izabelo kwi-$ 3 (kwaye ubeke ukulahleka kwakho kwe-$ 2.75). Ukuba utsalo-mali luwela kwi-$ 1.12, sele usithengisile kwi-2.75 yezigidi (kwaye ulahlekelwe iipesenti ezi-8 kuphela). Nangona kunjalo, ukuba iya kunyuka kwi-$ 4 okanye i-$ 5, ngaphandle kokuba ikhusele umngcipheko wakho ophezulu, uye wazuza kuyo yonke inzuzo.
Isikhundla esifanelekileyo
Ukubeka ngokucacileyo, ukubeka ingqalelo ngokumalunga nokuqinisekisa ukuba utyalo-mali ngamnye owenzayo bubungakanani obukhuselekileyo obufanelekileyo. Ukuchaneka kuthetha ukuba akukho nxalenye yephothifoliyo yakho inotyalomali kakhulu kunoma yiphina impahla okanye impahla.
Ukuba unayo iphothifoliyo ye-R10 000, kwaye ubeka i-$ 8,000 kwi-investment esisodwa, eso sikhundla esibi kakhulu. Kungenzeka ukuba i-dollar ye-$ 10,000 inengqiqo yokuba ne-10 ehlukeneyo-mali. Lo mgangatho ngamnye kuleyo nto uthengayo ukuya kuma-10 ekhulwini kwipotifoliyo ngelixa idibanisa kwiimpahla ezahlukileyo.
Ukuba unayo iphothifoliyo ye-$ 2,000 kuphela, bekuya kuba yindawo engafanelekanga ukufumana utyalo-mali olu-25. Imilinganiselo yekhomishina yokuthengisa izitokhi ziya kuba zikhulu kakhulu kwipesenti-25 zithengisa ngekhomishini ye-10 yorhwebo kwindlela nganye i-$ 250 (okanye i-12,5 ekhulwini) ye-portfolio yakho yonke ihambe kwi- JUST fee . Kwaye kukho iikhomishini ezongezelelweyo ezingama-25 ezithe zafika xa ekugqibeleni uthengisa isitokisi ngasinye.
Ngaloo ndlela, ukubeka ubungakanani besayizi ngokufanelekileyo, kufuneka ubeke umda wokungcola kwii-asethi ezahlukeneyo ukuze "uninzi" ukubonakaliswa kwiphina impahla. Cinga ingozi, ukungafani, iindleko zekhomishini ngokwepesenteji kunye nobukhulu beepotfolio.
ImiThamo yezeMali yokuBheka kwizoQoqosho kunye neMashishini
Oku kufana ne "ukufunda okuqhubekayo" okukhankanywe ngaphambili. Ukuba utyalomali kakhulu kwinkampani yokunyathelisa idijithali, ngoko kufuneka uqonde imboni yokuprinta yedijithali, kunye nokuvavanya indlela iindlela zentlalo nezoqoqosho ezichaphazela ngayo inkampani.
Ngokufanayo, ukuba ufuna ukubandakanyeka kwi-biotech, kufuneka uhlale ulindile ngokubanzi kuzo zonke iziganeko ezenzekayo kuloo shishini okanye kwindawo ethile. Kuyafana nokuhamba kwemveliso yeoli, ukuhamba komoya, iinkampani zokuqonda zabathengi, imayini yombane, ivenkile, njalo njalo ...
Funda iimpapasho zoshishino, kwaye ujonge iinkcukacha zemali ebanzi ngokubanzi ngokusemandleni. Ukuba i-Federal Reserve iya kuphakamisa inzala, okanye ulawulo lukaRhulumente luya kuqalisa ukukhawulwa kweerhafu ezinkulu okanye imfazwe ephuma eSaudi Arabia, ngoko kufuneka uqaphele le micimbi kwaye uqonde indlela ekuchaphazela ngayo utyalo-mali. Iziganeko ezibalulekileyo ziyakuchaphazela utyalo-mali owenzayo, kwaye umsebenzi wakho ukuqonda iindlela ezi zichaphazela ngayo amaxabiso ezabelo onawo, kwixesha elifutshane kunye nexesha elide.
Ukulawula iimvakalelo nokugwema impembelelo
Oku kulula ukutsho kunokuba kwenziwe, kodwa kubalulekile ukulawula iimvakalelo zakho xa uthengisa. Musa ukubeka onke amathemba akho kunye neenqweno kwisitokethi esithile, kwaye ungatshatanga kuyo engqondweni yakho.
Ukutshala imali ngokufanelekileyo kuyamangalisa kwaye akukho nto ivakalelwa ngayo. Ukuba utsalo-mali alusebenzisi ngendlela othembela ngayo ukuba, kuya kufuneka ukwazi ukulahla loo maqabane ngokukhawuleza ngaphandle kokunika ingcamango yesibini.
Kwakhona akufanele ubenze izabelo ezenza ukuba ugxininiswe okanye ezo zinto zenza ukuba ulale! Kuyo nayiphi na isiganeko, ezo zivumelekile ukuba zingabi zi-stocks ezifanelekileyo.
Ukulungiswa kwesiCwangciso kunye neMithetho
Isicwangciso sakho sokurhweba kunye nemithetho yokurhweba ayilwanga kwilitye. Kufuneka uhlakulele ngeengcamango ezininzi, kwaye unamathela kuzo, kodwa zivumeleke ukukwazi ukuzenza iziphumo ngokusuka kwiziphumo zakho zokurhweba, kwaye njengoko ufunda ulwazi olutsha.
Ngokomzekelo, mhlawumbi uthathe ilahleko kwiinkampani ezintathu ezihlukeneyo ze-biotech ngokulandelana. Unokuba ufuna ukulungelelanisa imithetho yakho yokurhweba ukuchaza ukuba awusoze wathengisa ama-biotech share. Okanye mhlawumbi wenza ngcono nge-$ 3 zeepenki, ngoko unokufaka isicelo esicacileyo kunye nezobonelelo kwilo hlobo lotyalo-mali.
Ukuhlala kwiNkalo
Kuye kwavunywa, ixesha kunye nexesha, xa usebenza ngokwengeziwe njengomtyalomali, ezibi kakhulu iziphumo zokurhweba. Abantu bavame ukuxhamla kwi-investment enye okanye uhambo okanye ifowuni ukuya kwinqanaba elilandelayo, ngaphandle kokunika i-investment yabo ixesha elaneleyo lokudlala njengoko ekugqibeleni baya kudlala.
Ukuphuhlisa isicwangciso, gcina imithetho yakho yokurhweba, kwaye ube nomonde ofunekayo ukwenzela ukuba utyalo-mali lwakho luvelise iimbuyekezo zabo. Amashishini, yiziphi ixabiso lentengo elisekelwe ngokuqhelekileyo, kuthathe ixesha lokukhula. Basebenza kwiifestile zenyanga ezintathu, kungekhona ngeyure, kungekhona ngcaciso emfutshane.
Nangona inkampani ekhula ngokukhawuleza kwaye ikhupha isabelo semarike ngokuqhelekileyo ayiyi kubonisa zonke iintlawulo zemali zazo zize zikhulule iziphumo zazo zekota. Ikota yinyanga yesithathu, kwaye kunye nenani kunye neenkcukacha ezivela kwimisebenzi yazo azikwazi ukuba noluntu kuze kube seveki eziliqela, okanye iinyanga, emva kokuphela kwekota.
Ngamanye amagama, unokuba ufumanisa ukuba inkampani iyaqhuma ekukhuleni, kodwa ingade iinyanga ezimbalwa emva kwexesha lekota lekota. Ngokuqhelekileyo, abaninzi abanini-masabelo banokuba bathengise ngokukhungatheka, ngoko babukele njengoko izabelo ngokukhawuleza ziba phezulu ngaphezulu kweeveki ezimbalwa.
Zibuze
Hlonipha, kwaye uzibuze ukuba zininzi zezi ngongoma zilapha ziyingxenye yendlela yokutshala imali. Uninzi lwabo uquka kwisicwangciso sakho sokuthengisa imveliso, ngokubhetele ukuba iziphumo zakho zokugqibela zingcono.
Ukuba ufuna ukutshala imali njengabo (abaphantse) bahlala bejika inzuzo xa bethenga baze bathengise amasheya, kwaye uzimisele ukwenza njalo ngokufanelekileyo, uze uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde uphinde ubhale. Kukho isizathu sokuba abanye abatyali-mali bangakwazi ukuqhubeka bephuma, kwaye ngoku uyakwazi ukubona (ukulinganisa) nendlela abaphumelelayo ngayo.