Kutheni Umyinge wePesentili weMali-mali ufumana phantsi kweMyinge ye-Market Returns

Utyalo-mali ophazamisayo ubangelwa ukubuyiswa kwembali

Iziphumo zophando ezenziwe nguDalbar Inc. zihlala zibonisa ukuba umtyalo-mali oqhelekileyo ufumana ibuyiselo elingaphantsi. I-Dalbar Inc. yinkampani eqhuba uphando lwabathengi kwaye ihlalutya iindleko zeevenkile zentengiso.

Kwiminyaka engamashumi amabini ephela ngomhla ka-12/31/2015, i-S & P 500 Index yalinganiselwa kwi-985% ngonyaka. Ukubuyiselwa kwembali ekhangayo. Umtsalane-mali olinganiselweyo we-equity fund ufumene ukubuya kwemarike ye-5.19% kuphela.

Kutheni oku?

Ukuziphatha kotyalo-mali kubangenangqiqo kwaye kaninzi kusekelwe kwimvakalelo. Oku akukhokeli kwizigqibo zobulumko zesikhathi eside. Nantsi ingqikquthela yezinto ezimbalwa eziqhelekileyo zokulahlekelwa kwemali ezithatyathwa ngabatsalomali-mali.

Ukuthenga aphezulu

Uphononongo emva kokufundwa kubonisa ukuba xa kuthengiswa imarike yemasheya , abatyali-mali bafaka imali engakumbi kuyo. Yaye xa ihla, idonsa imali. Oku kuhambelana nokusebenza kwindawo yokuthengisa rhoqo xa ixabiso lentetho likhuphuka kwaye libuyisela ukuthengisa xa kuthengiswa - kodwa uyayiphindela kwisitolo esiza kukunika kuphela intengo yentengiso. Ukuziphatha okungenangqiqo kubangela ukuba i-marketer yeevenkile ibuyele ibe yinto engaphantsi kweemarike zeempahla zembali

Yintoni eyabangela ukuba abatyali-mali babonise umgwebo onjalo? Emva kwakho konke, ekubuyiseni kwe-9%, imali yakho iya kuphinda iphindwe kabini kwiminyaka yesibhozo. Esikhundleni sokugxotha ukusebenza, usenokungathenga i- index index , kwaye ufumane imali ephezulu kakhulu.

Ukugqithisa

Ingxaki yindlela abantu abasabela ngayo, kwiindaba ezilungileyo okanye kwiindaba ezimbi, kukunyaniseka. Ukuphendula kwangomzwelo kubangela izigqibo ezingenangqiqo zotyalo-mali. Lo mkhwa wokunyusa ukugqithisa unokuba lukhulu nakwixesha lokungaqiniseki komntu; kufuphi nomhlalaphantsi, umzekelo, okanye xa uqoqosho lubi.

Kukho inkalo yonke yokufunda ephanda ukutyekela ukukwenza izigqibo zezimali ezingenangqiqo. Kubizwa ngokuba yimali yokuziphatha. Ukufundwa kwamaxwebhu eemali zokuziphatha kunye nobhaliso lwemali-ukulahlekelwa ingqondo engqondweni ngamagama afana nokuthi "ukunyaniseka" kunye "nokuzithemba ngokweqile."

Ngokuzithemba ngokweqile, ngokuqhelekileyo ucinga ukuba ungaphezu kwemilinganiselo. Ngokomzekelo kwelinye uphando, ama-81% wabanikazi boshishino abatsha bacinga ukuba banethuba elihle lokuphumelela, kodwa ngaba kuphela abangama-39% oontanga lwabo. Kwesinye isifundo, i-82% yabasetyhini abasha base-US bazicingela ngokwabo kwi-30% ephezulu yeqela labo ngokukhuseleko.

Xa kuziwa kutyalo-mali, ukuzithemba ngokweqile kukubangela ukuba abatyali-mali baqaphele ukukwazi kwabo ukuqikelela iziganeko ezizayo. Bakhawuleza basebenzise idatha edlulileyo, kwaye bacinge ukuba banamaqondo angaphezulu kwamaqondo avumelekileyo ukuba baqikelele ukunyuka kweemarike kwixesha elizayo.

Iincwadi ezidumile, njengeCarl Richard's The Behavior Gap , nazo zenza umsebenzi omkhulu wokuchaza izigqibo zokuziphatha ezikhokelela kwi-gap enkulu phakathi kweemarike kunye nokubuyiswa kwezimali. Nangona uphando kunye nemfundo, isithuba siyaqhubeka. Ngoko unokwenza ntoni ukuze ugweme i-end-investor?

Iindlela zokuPhepha iMali yokuLahla

Enye yezona zinto ezintle ongayenza ukukhusela kwisimo sakho sokwemvelo sokwenza izigqibo zengqondo kukufuna uncedo lwezakhono kunye nokuqesha umcebisi wezemali.

Ukuba kunjalo, sebenzisa inkqubo yokuhlola yokuziphatha ukuze ufumane umcebisi olungileyo .

Umcebisi angaba ngumlambeli phakathi kwakho nemvakalelo yakho. Ukuba uya kulawula utyalo-mali lwakho, uzakufuna indlela yakho yokugcina iimvakalelo zakho ngaphandle kwenkqubo yokuthenga / yokuthengisa. Cinga ukusebenzisa iingcebiso ezine ngezansi ukwenza izigqibo ezintle.

1. Sukwenzanto. Isigqibo esicacileyo nesingqiqo sokwenza nto sisona sisenzo sokwenza. Ngaba iinjongo zakho zemali zitshintshile? Ukuba iipotifoliyo yakho yakhiwe malunga neenjongo zakho zesikhathi eside (njengoko kufanelekile), utshintsho lwexesha elifutshane kwiimarike akufanele lucinge.
   
2. Imali yakho ifana nebhasi yesepha. Ukucaphula i-Gene Fama Jr., u-economist owaziwayo, "Imali yakho injengombhobho wesepha. Xa uyayiphatha, ubuncinane uya kuba nayo. "
   
3. Ungalokothi uthengise amanani kwiimarike ezantsi. Ukuba imali yakho yabelwe ngokuchanekileyo , akufanele ube nesidingo sokuthengisa amaxabiso ngexesha lomjikelo weemarike. Oku kuyinyaniso nokuba uthetha imali. Njengoko ungeke uphume kwaye ubeke uphawu lokuthengisa kwikhaya lakho xa imakethe yezindlu ijika ngasezantsi, musa ukukhawuleza ukuba uthengise ubulungisa xa i-market market ihamba ngomjikelezo wemakethe yeebhere . Lindela.
   

1. Sayensi isebenza. Kuye kwafakazelwa ukuba imfundo efanelekileyo yokutyalomali inika iindleko eziphezulu zeemarike. Ewe, kuluhlaza; kodwa isebenza. Ukuba awunalo uqeqesho, mhlawumbi akufanele ulawulwe utyalo lwakho.