Kutheni Ufanele Utyalole kwaye Ungakwenza Njani

Kukho ixesha lokurhweba kwexesha elifutshane kunye nexesha lokutshala imali

Umsebenzi wam ekuthengiseni waqala ngomgangatho wenkampani yokuhweba ngosuku. Kwiminyaka emininzi ndikholelwa ukuba ukurhweba kwexesha elifutshane liphezulu kunotyalo-mali. Ngorhwebo lwamasuku akukho zikhewu zobusuku zokukhathazeka malunga, izinto ezisemgangathweni zingenanto kwaye ingozi inokulawulwa ngokuchanekileyo. Ukuthengiswa kwelanga kunemiqathango ethile, nokuba kutheni wonke umntu, kuquka nabathengisi bemini, kufuneka atyala imali kwimarike yemasheya. Ezinye izizathu zokuba kutheni zixutyushwa ngezantsi.

Xa sele senze zombini, ukutyalomali kunye nokuthengiswa kwexesha elifutshane, enye ayilula ngakumbi kunezinye - zombini idinga isicwangciso . Nazi iindlela eziphambili zokufumana izitokhwe zokutyalomali; Iimveliso ziza kuqhubeka zimbini ukuya kwiminyaka emihlanu.

Kutheni utyalo kwi-Stock Market

Utyalo-mali aluboneleli ngokukhawuleza okanye ukuphazamiseka kukuba urhwebo lwexesha elifutshane lwenza, kodwa luneenzuzo ezimbalwa ezigqithisiweyo kwixesha elide lokurhweba.

• Ngorhwebo lwentsuku, ukuba uhlakulela i-akhawunti enkulu ukhawuleza "ukukhishwa." Kukho nje ukwanela okwaneleyo kwiimarike ezininzi ukuba uqhubeke ukwandisa ubungakanani bakho bezithuba. Ngokuthengisa ixesha elide nangona usenokufumana isikhundla ngaphezu kweentsuku okanye iiveki. I-akhawunti yakho enkulu ifumana, ekugqibeleni kufuneka uqikelele ukutshala imali ngenxa yokuba awukwazi ukufumana izabelo ezaneleyo / amathuba kwixesha elifutshane kakhulu ukuze usebenzise yonke inkunzi yakho.
• Utyalo-mali ngumvuzo osisiseko. Ngokuthengiswa kwexesha elifutshane kufuneka uhlale ubeka iindawo zokubeka iliso, uvale i-trade and open new. Utyalo-mali lwakho lusebenza kuwe unyaka wonke, unemizamo encinane xa uhwebo luqhubeka.

• Ukutshala imali kuthatha isicwangciso sokulondoloza. Ukutshala imali kuyamnandi, kwaye kukunyanzela ukuba ungabikho imali. Esikhundleni sokuchitha imali kwizinto ezinengqondo, imali ijoliswe kwiakhawunti yakho yokutshala imali.

Cinga ngeMigaqo emiBini xa utyalomali

Kukho nawuphi na umzamo kukulungele ukujonga iinkqubo endaweni yeendawo zangaphandle. Xa utyalo-mali apha iimiqathango ezimbini zokugcina engqondweni:

• Iimali ezenzileyo kakhulu kwiminyaka emithathu edlulileyo ziya kubakho ukuphuma ngaphandle kwezi ezintathu ezizayo. Amasheya enza okulungileyo kwiminyaka emithathu edlulileyo, ngokuqhelekileyo iya kudlalwa ngaphantsi kwezi ezintathu ezizayo. Jonga uphando ngoDeBondt noThaler .

Ngamanye amazwi, amasheya akahlali aqinile okanye athathaka ngonaphakade. Ukuba utyalomali kwiinkampani eziqinileyo, eziye zadlulayo ixesha elide, ngoko ngokuqhelekileyo azihlali ziphakamileyo okanye ziphantsi kwexesha elide. Kukho rhoqo ukuphazamiseka nokuhlaselwa, kunikwa ixesha elide elaneleyo. Ngokufanelekileyo ufuna ukuthenga amasheya kumazinga aphantsi ngokuthelekiswa namanqanaba aphezulu.

• Izitokhwe zokuhlula zivame ukugqithisa ngaphandle kwesahlulo sokuhlawula imali .

Izahlulo zokuhlawula iimali ziqhelekileyo iinkampani ezinokukwazi ukuhambisa isahlulo seenzuzo kubanini-nxaxheba. Isihlomelo sisebenza njengemali ngesandla, kwaye sinceda ukucutha ukuguqulwa kwintengo yesitoko. Ukutshala imali kwiisitokethi eziqinileyo ziyinxalenye efanelekileyo yokuseka ubutyebi; utyalo-mali kwimisebenzi engoziyo ayimfuneko. Izibalo zibonisa ukuba isahlulo sokuhlawula iisitokthi - ihlumelo ngokuchasene ne-hare - iphumelela umqhubi kwixesha elide.

UkuThabatha iiShishini zoTyalo-mali

Nantsi isishwankathelo esheshayo sokuba ukhangele ntoni kwi-stock stock, ugcine engqondweni iingongoma ezimbini ezikhankanywe ngasentla.

Sebenzisa i- stock screener ukufumana amasheya afana nale migaqo elandelayo.

• Isivuno sesahlulo ngaphezu kwe-5%, kodwa umlinganiselo wokuhlawula ungaphantsi kwe-100%.
• Umyinge wevolumu ngaphezu kwama-300,000 izabelo.
• Ixabiso elingaphezulu kweedola 2; akukho zitshixo zemali.
• IPO umhla ngaphezu konyaka owedlule; Okukhethwa kukho kunikwa kwiimpahla ezithengiswa esidlangalaleni iminyaka eli-10 okanye ngaphezulu.
• P / E enkulu kunezero (ibonisa ukuba inkampani inenzuzo). Cinga ukukhangela amasheya nge-P / E ephantsi, umzekelo, mkhulu kuno-zero kodwa ngaphantsi kwamahlanu. Kwakhona ujonge ukukhangela ama-stocks apho i-Pward P / E iphantsi kuneP / E yangoku. Oku kubonisa ukuba inzuzo ikulindeleke ukuba ikhulise, kwaye ukuba yenza isitokthi siyithenga engcono ngeli xabiso langoku.
• Umda osebenzayo ngaphezu kwe-10%.

Kwizinto ezininzi zeesitoreji ezikwinqanaba lezantsi ziza kucoca ii-REIT nee- ETF . Ukuba ufuna ukujonga ii-ETF kunye nee-REIT, sebenzisa isikrini esahlukileyo kulabo basebenzisa imigaqo yokuqala yokuqala.

Kwimasheya, sebenzisa isikrini kunye neendlela ezintandathu.

Ukuhlolwa kwesitokethi esekelwe kwiifayile ezilapha ngentla kuza kuvelisa uludwe lwabaviwa bezentengiso. Bonke abafanelanga utyalo-mali nangona kunjalo.

Jonga iitshathi zeesitokhi eziveliswa ngophezulu ngaphezulu. Inkqubo elandelayo yokutshala imali kwisitokthi yile:

• Zithenga kuphela izitoko kwixesha elide lokuxhasa inkxaso. Sifuna ukuthenga amasheya ngamaxabiso angabizi (ukuthelekiswa nemilinganiselo yembali), kungabi ngamanani abizayo.

Utyalo-mali aludingi ukulahleka kokuyeka , kodwa kufuneka ube nexabiso engqondweni apho uphuma khona ukuba iimeko aziphuculanga kwisitokisi. Utyalo-mali aluthethi ukuba ubambelele ngonaphakade ukuba akwenzi oko ukulindele. Yiba nokunyamezela okukhulu kwiimpahla eziqhubekayo.

Kwakhona, yenza isicwangciso sokuphuma malunga nendlela oya kuphuma ngayo yorhwebo inzuzo. Chaza indlela kwaye kutheni uza kuphuma. Ekubeni sisebenzise inkxaso ekungeneni kworhwebo, unokucinga ukuba uphuma nje ngaphantsi kwexesha elide lokuxhathisa. Xa usuke ungaphandle kworhwebo lwakho, ungakhathazeki malunga nesitokisi esilandelayo emva koko. Thatha imali kwaye utyalole kwezinye iisitokisi, uhamba kwinkqubo efanayo kwakhona, njengoko kuchaziwe ngasentla.

Oku kusilethela kwisikhokelo esisodwa sokugqibela:

• Ukuba kuthengwa kwenkxaso, kunye nokucwangcisa ukuphuma ngaphantsi kokumelana nokunyamekela, ukuxhaswa kwamandla kufuneka kube ngaphezu komngcipheko ophantsi (ukuya ku-$ 0) ubuncinane nge-2: 1. Oko kuthetha ukuba xa uthengwa kwi-$ 5, kufuneka ube neengqiqo ukuphuma kwi-stock kwi-$ 15 okanye ngaphezulu. Kwiimeko ezinzima kakhulu ulahlekelwa yi-$ 5 isabelo (kodwa ekubeni asinakulibala ngonaphakade, oku akunakwenzeka kakhulu), kodwa kusekelwe kwiteksi yesiganeko kunokwenzeka ukuba wenze i-$ 10 / isabelo okanye ngaphezulu. Oku kwaziwa ngokuba ngumngcipheko / umvuzo .

ILizwi lokugqibela malunga neNjongo yokuTyala imali kwaye njani

Thenga isahlulo esinamandla sokuhlawula iisitokethi ezincinci. Amasheya akakwazi ukuphakama ngonaphakade, kwaye ukutshitshiswa kweempahla akuyi kuhlala phantsi phantsi (ngaphandle kokuba kukho into engalunganga kakhulu). Sebenzisa iikhrayitheriya ezichazwe ngasentla ukuze ufumane izitokhwe zokutshala imali .

Ngelishwa akukho ziqinisekiso. Isitokhwe sinokubukeka sikhulu ngokusekelwe kwizinto ezixoxwa ngasentla, kodwa qhubeka uhlahla kwixabiso. Inqaku elingentla lixoxa ngokunyamekela, okusebenza kwiimpahla ezininzi, kodwa nayiphi na isitokethi esisodwa sinokuyichasa ukuthambekela. Uluhlu olukhankanywe ngasentla lubonisa isishwankathelo sokuba kutyala imali kwiimpahla, kunye neskrini esisisiseko sokufumanisa isitokethi esinokubaluleka ngexabiso. Ndimba kakhulu nangona ngaphambi kokwenza urhwebo; kuzo zonke iisitishi ezingama-30 ezihlalutyiweyo ngokusebenzisa le ndlela, kuphela enye okanye ezimbini ezifanele ukutyala imali. Eli nqaku linika ithuba lokuqala lokuhlalutya kwakho.