Unokukhathalela kangakanani malunga nokudibanisa kweemarike?
Ukuba ungumTyalo-mali wexesha elide
Ukuba uneminyaka engaphezulu kwe-10 ukuya kwe-15 ukusuka kumhlala phantsi kwaye utyalo-mali ixesha elide, mhlawumbi akufanele ukhathazeke malunga neyiphi imarike ngosuku olunikeziweyo. Isitshixo ekutyalomali-mali olude ixesha elide lichaza ukunyamezela kwakho kwangaphambili kwaye ukwakhiwa kwiphothifoliyo enokukhululeka ngayo.
Yabizwa ngokuthi i-aseset allocation, kwaye emva kokuba uhleli kuyo, akufanele ukhathazeke ngaphandle kokuba ulwabiwo lwakho luphuma ngokupheleleyo.
Abaninzi beengcali zezemali baya kukuxelela ukuba ukwabiwa kweempahla kunye nokuhlaziywa kweefowthifoliyo rhoqo kwiqhinga elide elide elide. Ndiyayithanda kuba akukho nto ibandakanyekayo. Esikhundleni sokulandelelana ngokulandelelana kweemarike, unokubeka usuku kanye ngonyaka ukuze ukhangele kwaye ubone ukuba iphothifoliyo yakho iyahambelana neenjongo zakho. Ukuba kungenjalo, ke ukuhluleka.
Ukubuyiselwa kwemali kubandakanya ukuthengisa imali ekutshatyalaliseni ukubeka imali engakumbi kwimali-mali eyehlile, eyaziwa nangokuthenga izinto eziphantsi kunye nokuthengisa phezulu. Yithi unayo iphothifoliyo engama-70 ekhulwini kunye ne-30 ekhulwini. Ukuba iibhonksi zinomnyaka omkhulu kwaye i-stocks iyawa, ibhalansi yakho iya kutshintsha. Ukuba iibhondi ziqala ukumela u-37% ukuya ku-63% kwiimpahla, unokuhambisa imali engaphezulu kwiisitokhi ukuze ungalingani. Ukuba u landela esi sicwangciso, awuyikunyamekela ingqalelo kwimarike yonke loo nyaka.
Ups and downs ziya kwenzeka, kodwa ukuba ulwabiwo lwe-asethi lujoliswe ekujoliswe kuyo, unako ukukhwela i-market swings.
Ukuba UngoTyalo-mali osondeleyo
Nangona usondele kumhlalaphantsi, isabelo sakho sephothifoliyo kufuneka sibonise oko. Unokuba nepesenti enkulu kwiholo elingenisiweyo okanye ulwabiwo-mali ohlawula igalelo kumzamo wokwandisa ingeniso ukuba iphothifoliyo yakho ivelise.
Kodwa xa unokwabiwo olusebenzayo kuwe, isicwangciso sokubalanisa ngokufanayo sinye. Unokufuna ukukhangela kwi-portfolio yakho rhoqo kaninzi ngaphezu konyaka. Okanye unako ukugqiba isigqibo sokwenza ukunyuka ukuba imarike ihla ngaphezu kwepesenti ehleliweyo. Oku kwaziwa njenge-trigger. Amanye ama-brokerages anikezela ukuqhagamshelana nawe kumcimbi we-trigger, ngoko akudingeki ucinge ngalo kude kube ngoko.
Ngaba kukho imigaqo yesondlo sokunikezelwa kweefa ? Ubuqhetseba obudala bokukhupha iminyaka yakho ukususela kwiminyaka eyi-100, ukubeka ubudala bakho kwizibophelelo kunye nabo bonke abasemasitokisini, banokusebenza kubatyalo-mali abanonophelo. Kodwa ingozi engakanani ofuna ukuyithatha ngamasheya uza kuxhomekeka kwinqwelo yakho yokukhula nokunyamezela ingozi. Unokufumana ezininzi izibalo zokunyamezela iimeko kwiWebhu, kwaye 401 (k) umlawuli mhlawumbi unezinye izixhobo zokukunceda. Unokuqwalasela nokuba ufuna ukugcina isabelo se-stock of your portfoliyo kwisinye seengxowa-mali senkxaso- ntengiso ebanzi okanye ukwahlula ukubamba kwakho phakathi kweemali kunye kunye ne- ETF ezimela amacandelo ahlukeneyo emakethe kunye nobukhulu bezinto ezikhoyo. Abatyalomali bexesha elide mhlawumbi bangcono kunye neengxowa-mali okanye ii-ETF kuba akudingeki ukhathazeke ngokunyanzeliswa kwesitokethi esisodwa. Ukuba unesitampu senkampani, kukho iindlela zokwakha iipotifoliyo ezahlukahlukeneyo malunga naloo ndawo, kodwa kufuneka uxoxe ngayo nomcebisi wezemali okanye utyalo-mali.
Ukuba ungumPhathi-mali oTshane
Kukho abo bantu banandipha ukuthobela ingqalelo kwimarike yempahla. Uninzi lwabantu alukwazi. Kodwa ukuba uyayithanda ngokwenene, unokufumana imali yokuthenga nokuthengisa amasheya ngamnye kunye nezinye iziqinisekiso. Ndikho konke oku, kodwa musa ukubeka ingozi kwimali yakho yomhlala-phantsi kulolu hlobo lotyalo-mali uze uqiniseke ngokwakho (kwaye mhlawumbi akunjalo). Yakha "iphothifoliyo yemali" yephothifoliyo yokuthengiswa kwamasheya.
Abatyalomali abasebenzayo bayayigcina ingqalelo kwimakethi yemihla ngemihla kwaye bazama kunye nexesha lokuthengisa. Kodwa abatyali-mali abaphumelele kakhulu bathenga kunokuba bathengise kwi-dips market. Ngokuqinisekileyo, konke oku kuxhomekeke kwimpilo yenkampani, kwaye abathengisi abachaphazelekayo kufuneka bafunde indlela yokuhlalutya amasheya ngokusekelwe kwimimiselo yazo. Ukuba inkampani inethemba elide elide elide kwaye lixabiso elifanelekileyo, ukuthenga xa lithengile lifana nokufumana ixabiso elikhulu.
Abathengisi bemihla yangempela banalo lonke uhlobo lweengcungcuthe, njengempahla yokufutshane kunye nokwenza ezininzi iintsuku zentsuku. Kwakhona, ngaphandle kokuba uyazi oko ukwenzayo unokulahlekelwa yimali eninzi uzama oku (kwaye nangona uyazi oko wenzayo), ngakumbi xa usebenzisa ubukhulu , okanye ityala, ukuthengisa amanani. Kukho nemiphumo yerhafu kule mi sebenzi.
Umgca we-investors omhlala phantsi: ngaphandle kokuba iimeko zibi kakhulu (2008 nantoni na?), Ininzi yethu akufuneki ukuba ihlawule ingqalelo kwiimarike zexesha elifutshane. Ukuba unokwabiwo lweempahla onokuhlala nazo, unako ukuwahoywa iindlunkulu zemali.
Ukubhengezwa: Umxholo okweli siza unikezelwa ngolwazi kunye neenjongo zengxoxo kuphela, kwaye akufanele kube sisiseko sezigqibo zakho zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.