Ukuthenga isitokethi ngasinye kuthetha umngcipheko ophezulu.
Ngesitokisini, ngexesha elifutshane kakhulu, imali yakho inokukhawuleza ngokukhawuleza, okanye ayikufanelekanga nto. Ukwahlula okukwi- index ye-joint fund , ephethe ama-stocks amakhulu. Ngengxowa-mali, akunakwenzeka ukuba ubone imali yakho ngokukhawuleza, kwaye akunakwenzeka ukuba ubone ixabiso lesabelo sakho sehla.
Amasheya Vs. ZeNgxowa
Makhe sijonge umzekelo ngokuthelekisa ukuthengwa kwesitokethi ngasinye ukuthengwa kweengxowa-mali.
Masithi unesiqinisekiso sokuba isitokisi se-XYZ okwangoku singabalulekanga. Usebenza kwishishini, inkampani inembali eqhubekayo yokukhulisa ingeniso yayo, kwaye ivelisa umkhiqizo ohambelana nomgangatho ophezulu.
Ixabiso lentengo sele liye lahla ngo-50%. Uqinisekile ukuba ezinyangeni ezilishumi elinesibini ezizayo, ziya kubuya emva kwe-50%. (Ngeedola, uthathe isitokethi esivela kwi-$ 60 isabelo kwi-$ 30 ngesabelo. Uqinisekile ukuba kuya kuthi, ngokunyanisekileyo, ubuyele kwi $ 45 isabelo.)
Imarike yemasheya yonke ibuye iphantsi. Inkxaso ye- S & P 500 kwi-akhawunti yakho iye yehla nge-30%. Kwakuphuma kwi-$ 60 isabelo kwi $ 42 isabelo. Uyazi iimarike zincinci, kodwa awuzange ulindele ukuhla kwezinto ezifana nale ngxowa-mali, kwaye uzama ukufumana indlela yokubuyisela ilahleko zakho.
Unquma ukuba inokuthabatha iimarike iminyaka emininzi ukuba ibuyele, kodwa ukuba uthengise i-index index kwaye uthenge isitokisi se-XYZ, iphothifoliyo yakho inokufumana ngokukhawuleza.
Kuzwakala kunengqiqo.
Ingxaki kukuba, imarike ngokubanzi, kwaye ngoko ke inkcazo yakho yenkcazo, ayiyi kufikelela kwixabiso lexabiso. Inkcazo yakho yenkxaso-mali ayiyi kuba nelinye ilanga.
Isitoreji se-XYZ ngakolunye uhlangothi, sinokuqhubeka nokuhla ngexabiso, kwaye kwimeko embi kakhulu, ifayili ye-bankruptcy, ukushiya kungekho nto.
Umngcipheko wakho ugxininiswe ngesitokisi ngasinye. Isiphumo sakho kuxhomekeke kwisiphumo senkampani enye kuphela.
Yintoni enokubangela ukuba isitoreji se-XYZ siqhubeke slide? Izinto ezinjenge:
- Isityholo malunga nenkampani ngenxa yemveliso engalunganga.
- Ukunciphisa ukuthengisa / ukufumana umvuzo kuba ukhuphiswano luphuma nemveliso elungileyo.
- Iphutha lokuphendula okanye ukungahlawulwanga okwenze ukuba inkampani idlulele ngaphezulu.
Ukuba uthenge isitokisi se-XYZ, unokufumana inhlanhla, kwaye isitokethi iya kunyuka ngokukhawuleza kuneemarike. Okanye awunakufumana inhlanhla, kwaye isitokethi ingaqhubeka nokuhla ngexabiso; yonke indlela ukuya kwi-zero.
Ukuba ugcina i-index index yakho, uyazi ukuba imarike iya kubuya. Ubuchule bakho bokufumana inzuzo ngokukhawulezileyo akuyona into enhle. Nangona kunjalo, usuphelile amathuba okulahlekelwa ngokupheleleyo.
I-Stock No Brainers
Xa kuziwa kwisitokethi ngasinye, kukho abahlalutyi, abaphathi beenkampani, abaphathi bezotyalo-mali, kunye nabanye abantu abaninzi abaqaqambileyo nabakwaziyo ukuvavanya eso sitshixo nje njengawe. Ukuba ixabiso lesitokhi libonakala liphantsi kakhulu, kufuneka uyeke kwaye uzibuze, "Yintoni na ukuba iimakethi iyazi malunga nale sitoksi engingaziyo?"
Ndibukele abantu abaninzi bathenga izitokisi ezibonakala ngathi "azikho iingqondo". Kwiiveki ezimbalwa ezimbalwa, isahlulo sagqitywa, ukulahlekelwa ngumthengi osisigxina kwaziswe, kwafakwa isigwebo, okanye esinye isiganeko esinobungozi esabangela ukuba isitokethi siphume ngaphezulu, okanye siphumelele, sishiye intengo yaso emininzi iminyaka.
Ukulinganisa Ingozi ngePhumela kwiCandelo lakho lezeMali
Ukuba uya kuthenga izitokethi zodwa, qaphela ingozi oyithathayo. Zibuze le mibuzo emibini:
- Ukuba isiphumo esihle othembekileyo senzeke, kungcono kangakanani ukushiya kuyo?
- Ukuba imiphumo emibi ifanelekile, ingaba kakubi kangakanani na ukukushiya?
Ngaba iziphumo ezinokuthi zivela kwisiphumo esihle zilungele ingozi yesiphumo esibi?
Khawukhumbule nje, ukuba iyisitokethi eyaziwayo, uya kucinga ukuba umphumo ongenakwenzeka.
Ngo-2001 ndasebenza kwiqumrhu leCPA elisebenza kunye nabasebenzi abaninzi base-Intel. I-Intel (INTC) isitokethi yayithengwa nge-$ 70 ngesabelo. Sasibukele abaphathi be-Intel benqabile ukungafani, kwaye sasibukele ukugcinwa kwempahla yabo phantsi kwe-70%. Abaninzi balaba baphathi bathenga i-stock eyongezelelweyo, baxininisa ukuba kuya kubuyisa.
Ngo-2016, intengo yesabelo ijikeleza nge-$ 35 isabelo. Andicingi ukuba lo luhlobo lomngcipheko abantu abaninzi kufuneka bathathe ngemali yabo yomhlalaphantsi.
Njengoko usondele kumhlalaphantsi ufuna ukunciphisa umngcipheko, ungakhulisi umngcipheko. Ukushiya ngaphandle kwamasheya ngamnye kunokunceda ukufezekisa oku.