Ndingayifaka njani imali xa ndingenakuyithengela iMpahla nganye

Ukwahlukana, Ulwabiwo lweeAfa kunye neeNkcazo zeNdleko eziNcinci ziza kuba zibalulekileyo

Ukutshala imali kubaluleke kakhulu, ngakumbi ukuba ugxininise ekuthengeni iqoqo leendleko eziphantsi kweendleko zexabiso okanye ezixhaswa ngemali evela kwinkampani efana neVanguard, esebenzayo ngendlela efanayo ukuze ugcino lwamaxabiso luye kubaxumi kunokuba babanikazi bamashishini. Nazi iingcamango zam ukwabiwa kwemali kubasomali abangafuni ukujongana nokukhetha amasheya okanye amabhondi.

Ukuba bekufuneka ndiqale ngokuzeleyo kwaye ndingavunyelwe ukuba ndibe namashishini abucala anginika umgca wenkcitho yokuhlawula imali, njengemikhankaso ye-varsity i-jacket, ndingayenza ntoni na?

Ndingayilungisa njani imali yam ukuze ndikwazi ukufumana inzuzo yokuqulunqa nokubukela umgangatho wam, ukuba nciphise umngcipheko? Amasheya aphezulu kodwa akudingeki ukuba utyalomise kwiisitokthi ngamnye ukuze uzuze .

Kwiintsuku ezimbalwa ezedlulileyo, ndiyicingisise loo mbuzo kuba ndifumanisa ukuba le yimiqathango yokuba abaninzi abafundi bam bafumana imihla ngemihla. Awufuni ukufunda indlela yokufunda ingxelo yonyaka okanye ukumba u- 10K . Awufuni ukuba ufunde izilinganiso zokuhlawula igalelo okanye izilinganiso zokufumana inzala . Ngako-ke, ungayisebenzisa njani ithuba elide lokwakha izityebi ezinobungozi , izibophelelo kunye neendawo zokuthengisa ngaphandle kokucinga malunga nepottoliyo yakho ngaphezu kwamaxesha ambalwa ngonyaka?

Ukwakha i-Portfolio ingaba lula

Njengoko ndichazile kule minyaka, ingundoqo yayo, ukutshala imali ngokulula kulula. Enyanisweni, utyalo-mali lulula kangangokuthi luhla kuphela kwimithetho eqhelekileyo endiyibhalileyo malunga Nokuba Ungumtyalo-mali wexesha elide, Unokuyihohla uqoqosho .

Le mithetho yile:

• Sebenzisa imali encinane kunokuba uyifumana
• Gwema ityala
• Gcina okwaneleyo kunye nekheshi ngesandla ukuze uhlawule iindleko zakho kwiinyanga ezintandathu okanye ngaphezulu xa uphelelwa ngumsebenzi wakho
• Gcina imali eninzi ongayenza ngaphandle kokuthatha indlela ophila ngayo ngoku. Ukufumana ibhalansi elungileyo phakathi kokusetyenziswa kwamanje kunye nobutyebi besikhathi esizayo kuphela into onokuziphendula yona.

• Gxininisa ekuphepheni ilahleko kunye nomngcipheko ophantsi.

I-Wall Street ithanda ukwenza ukuba i-esoteric ibe ngaphezu koko kodwa yile ndlela kuphela inkampani yolawulo lwezobutyebi inokukuhlawula imali ephezulu.

Ukujonga kwiiModyuli zeeMpahla zeSiseko zePortfolio

Njengoko ndacinga ngempendulo kwimibuzo yam yokutyalomali, ndaya kwizinto ezininzi ezibizwa ngokuba yi-aseset imizekelo endibhalileyo malunga neengqinamba zezemali (ezinye zazo ziphinda ziphinde zenziwe kwicandelo lolwabiwo-mali lwendawo yam), kuquka abafana ne-Talmud yokunikezelwa kwempahla, esekelwe iresiphi yakudala ye-1/3 ye-real estate, amashishini amathathu, kunye ne-1/3 yemali.

Ekugqibeleni, ndafika kwisigqibo sokuba ukhetho olukhethekileyo yinkampani efana, njengeVanguard, eyinxalenye yabanini-mali nabanikezela ngeendleko eziphantsi kweendlaba, ngoko ke imali eninzi ihlala ephakamileyo yam kwaye ayizange ihambe kwiimali. Ukuba ndandisemncinci kwaye ndingayifuni imali, mhlawumbi ndingayifaka:

• 5% yephothifoliyo yesilivere negolide
• I-5% yepottoliyo ngemali kunye neemali zemali
• 20% kwiibhonki eziphezulu ezikhulile ezingaphezulu kweminyaka eyi-8 kwixesha elizayo
• 30% kumgangatho ophezulu, isahlulo sokuhlawula i-chip chip e-blue e-United States
• 20% kumgangatho ophezulu, isahlulo sokuhlawula iifowuni zamazwe ngamazwe angakhange ahlaselwe idola ukuze ndibe nolunye uhlobo lwezabelo ezivela kwezinye iindleko

• 20% kwiipropati ze-real estate grade grade

Phantse konke oku ndiza kwenza ngeVanguard, kwaye ndoloza rhoqo ukuba ndibe nemali efunyenwe kwi-paycheck yamashumi eminyaka, ndithintela ukuguquka kwemakethe nokuthenga ngakumbi ngexesha lokuphazamiseka. Ukufumana iimpahla eziphezulu ze-blue chip, ndiza kujonga izinto ezifana ne-Dividend Appreciation Index Fund (uphawu lwe-ticker VDAIX), olugcina kuphela kwiinkampani ezifumaneka kwi-Dividend Achievers Select Index. Ezi femu ziye zaphakamisa izabelo zazo kwiminyaka eyi-10 edlulileyo. Umyinge weendleko u-0.35% kuphela kwaye utyalo-mali obuncinci kuphela ngu-3,000. Ingxowa enkulu yebhanki iqukethe iMcDonald's, IBM, Coca-Cola, Pepsi, Chevron, ExxonMobil, Procter & Gamble, Johnson & Johnson, Wal-Mart, kunye neUnited Technologies.

Ngaphezu koko, iVanguard ayiyi kuhlawulisa imali yokuthengiselana kwiimali zabo ezininzi (okanye iifowuni, ngokuxhomekeke kubukhulu bempahla ye-akhawunti yonke).

Uluhlu olunjalo lufanele luvelise iziphumo eziyanelisayo kwixesha eli-30, 40 okanye eli-50 elingenamsebenzi okanye ukugcina.