Ngaba kufuneka utyalole kwi-Real Estate okanye kwiShishini?

Uthelekiso lweeNdawo eziThengiswayo zoTywala kunye neMpahla

Ukubuza imibuzo, "Yiyiphi imali engcono yokutshala-i-real estate okanye i-stocks?" Kufana nokubuza ukuba i-tshokoleta okanye i-vanilla iphambili okanye ukuba i-Aston Martin ingcono kuneBentley. Ayikho impendulo kuba into eninzi ihla kubuntu bakho, ukhetho kunye nesitayela. Kwakhona kuya kwiindawo ezithile zokutshala imali. Izitokhi ezimbalwa kakhulu zaza kubetha ukuthengwa kwepropati yaseCalifornia ngo-1970 ngokusebenzisa amatyala amaninzi, kwaye emva koko emva kweminyaka engamashumi amabini.

Ngokuqinisekileyo akukho nendawo yokuhlala eyayikubetha inzuzo oyizuzile xa utyalombile kwizabelo zeMicrosoft, uJohnson & Johnson, iWal-Mart, i-Berkshire Hathaway, i-Dell okanye i-Southwest Airlines, ngokukodwa ukuba uhlawule imali yakho . Ngoko impendulo ayilula njengoko kubonakala ngathi.

Masiqale ngokujonga uhlobo ngalunye lotyalo-mali :

• I-Real Estate : Xa utyalomali kwi-estate , uyithenga umhlaba okanye impahla. Ezinye iindawo zokuhlala zibiza imali yonke inyanga uyenayo - cinga ngepelenti engenamntu onethemba lokuba uthengisa ngumbonisi omnye ngolunye usuku kodwa kufuneka ufike nge-cash-out-pocket yeerhafu kunye nokugcinwa. Olunye uhlobo lwezakhiwo luyimali eyenza imali - cinga ngesakhiwo sezindlu, izindlu zokuqashisa, okanye indawo yokuthengisa apho abaqeshi bakuthuma khona ukuhlola nganye inyanga, uhlawula iindleko kwaye ugcine umehluko njengenzuzo.
• Amasheya : Xa uthengela izabelo zesitokisi , uthengela iqela lenkampani. Ingaba loo nkampani yenza ama-ice cream cones, ithengise ifenitshala, abenzi bezithuthuthu, idale imidlalo yevidiyo okanye inika iinkonzo zentlawulo, unelungelo lokunqunyulwa kwenzuzo, ukuba kukho na, isabelo ngasinye. Ukuba inkampani ineemali eziyi-1,000,000 eziseleyo kwaye unayo izabelo ezili-10,000, unayo i-1% yenkampani. I-Wall Street yenza ukuba kubonakale kunzima kunokuba kunzima.

  IBhodi yabaLawuli , abakhethwe ngabanini-zimpahla njengawe ukuba ubukele ulawulo, unquma ukuba inzuzo yonyaka ngamnye ifunyaniswa njani kwandiso kwaye ingaba ihlawulwa njani njengemali ehlawula imali . Ukuba unomdla kule ngcamango, funda ukuTyala imali yeSifundo 1 . Kuza kuchaza indlela inkampani ezithengisa ngayo isistim ngokwazo kunye nendlela ezo zabelo zigqitywa ngayo ukuthengiswa kwiWall Street . Usenokufuna ukujonga utyalo-mali isifundo sesi-2 - Kutheni i-Stocks iyagqitha okanye iphantsi kwexabiso.

Iinkonzo kunye neNgxowa yeeMpahla eziMahla kunye neeShishini

Ngoku, makhe sijonge iinjongo kunye neengxaki zoluhlobo oluthile lotyalo-mali ukuze ziqonde kakuhle.

5 Iinkqubo zoTyalo-mali kwi-Real Estate

1. I-real estate isoloko ityalo-mali oluthambileyo kwiiklasi ezisezantsi naphakathi kuba zikhulile kuzo (njengokuba iiklasi eziphezulu zazifunda ngezi- stocks , bonds , kunye nezinye izibambiso ngexesha lobuncinci kunye neminyaka eselula. Kubonakala ukuba abantu abaninzi beva abazali babo bethetha ngokubaluleka 'kokufumana ikhaya'. Isiphumo kukuba bavulelekile ukuthenga umhlaba kunabanye abatyalo-mali abaninzi.

1. Xa utyalomali kwi-real estate, utyalomle kwizinto ezibonakalayo. Unokuwujonga, uzive, uqhube kunye nabahlobo bakho, phawula ifestile, uze uthi, "Ndingumnikazi waloo nto". Kwabanye abantu, oko kubalulekile ngokwengqondo.
2. Kunzima ukukhwabaniswa kwiindawo eziphathekayo xa kuthelekiswa nemasheya xa wenza umsebenzi wesikolo sakho ngenxa yokuba unokwenza umzimba, uhlolisise ipropati yakho, uphendule ingqalelo yangasemva kubaqeshi, qiniseka ukuba eso sakhiwo silapha phambi kokuba uthenge. uzilungisa ngokwama-stocks, kufuneka uthembele ulawulo nabaphicothi-zincwadi.
3. Ukusebenzisa umlinganiselo (ityala) kwi-real estate kungenziwa ihlelwe ngakumbi ngokukhuselekileyo kunokusebenzisa ityala ukuthenga izitokhwe ngokuthengisa kwimida .
4. Utyalo-mali lwamaxabiso ngokuqhelekileyo luye lwaba lukhuselo lwexabiso lokunyuka kwamaxabiso lokukhusela ukulwa nokulahlekelwa ngamandla okuthenga idola.

3 I-Cons Consing in Real Estate :

1. Xa kuthelekiswa namasheya, i-real estate ithatha ezininzi izandla. Kufuneka uhlangabezane neefowuni zobusuku busuku bobusuku malunga nokuhlambalaza kwamanzi amaninzi kwindawo yokuhlambela, ukuvuza kwegesi, ithuba lokuthotyelwa iplanki embi ebhokisini, kunye nezinto ezininzi ongazange ucinge ngazo. Nangona uqeshe umphathi wepropati ukunyamekela i-investment real estate yakho, kuya kuqhubeka ukufuna iintlanganiso kunye nokujonga.

1. Ixabiso langaphandle linokuhlawula imali nganye nyanga ukuba ipropati ayihlali. Kufuneka uhlawule irhafu, ukugcinwa, izinto ezincedisayo, i-inshurensi, kunye nokunye, oku kuthetha ukuba xa ufumana iqondo lezithuba eziphezulu ngaphezu kwexesha eliqhelekileyo ngenxa yezinto ezingaphaya kolawulo lwakho, unokwenene ukuza nemali ngenyanga!
2. Njengoko ufunde kwi -Mystery Real Estate Myth , ixabiso langempela le-estate alinakuthi landa kwiimigaqo-mali echitshiweyo-mali (kukho ukungafani, kunjalo). Oku kwenziwa ngenxa yamandla okubaluleka. Oko kukuthi, cingela uthenge iprojekthi engu-300,000 yeefayili ngokufaka imali engama-60,000 emali yakho, kwaye uboleka enye i-240,000 yeeRandi. Ukuba ukunyuka kwamaxabiso kuya kunyuka ngo-3% ngenxa yokuba urhulumente uprinte imali kwaye ngoku ixabiso ngalinye libiza inani elingaphantsi, ke indlu iya kunyuka i-$ 309,000 ngexabiso. "Ixabiso" langempela lendlu alizange litshintshe, nje inani leedola liza kukuthenga. Ngenxa yokuba utyalise imali engama-60,000, nangona kunjalo, oku kubonisa ukubuyela kwe-$ 9,000 kwi $ 60,000. Kubuyiselwa kwi-15%. Ukuxhaswa kwe-3% yokunyuka kwamaxabiso, okuyi-12% ekuzuzeni kwangempela ngaphambi kokufaka imali kwiindleko zokuba nepropati. Yiloo nto eyenza i-real estate ikhangeleke.

6 Iinkqubo zokuTyala imali kwiShishini

1. Iminyaka engaphezu kwe-100 yophando iye yabonisa ukuba nangona zonke iziphazamiso , ukuthenga izitokhwe , ukubuyisela izihlawulelo, nokuzibamba ixesha elide liye lalingumdali omkhulu kunabo bonke kwimbali yehlabathi. Akukho nto, ngokweminye iiklasi ze-asethi , iyabulala ubunikazi bezoshishino (khumbula-xa uthenge isitokisi, uthenga nje isiqwenga-shishini).
2. Ngokungafani neshishini elincinci oqalayo kwaye ulawule ngokwakho, ubunini bakho boshishini abancinane ngokwamashishini esitokethi akudingi nawuphi umsebenzi kwindawo yakho (ngaphandle kokuphanda inkampani nganye ukuchonga ukuba kulungile kuwe). Kukho abaphathi bezakhono kwikomkhulu eliqhuba inkampani. Ufumana inzuzo kwimiphumo yenkampani kodwa akudingeki ukuba ubonise ukuba usebenze imihla ngemihla.
3. Izitoko zezinga eliphezulu azikhuphuli kuphela iinzuzo zabo ngonyaka emva konyaka, kodwa zandisa igalelo zawo zemali, ngokunjalo. Oku kuthetha ukuba unyaka ngamnye ohamba ngawo, uya kufumana amasheke amakhulu kwi-imeyile njengoko inzuzo yenkampani ikhula. Njengomagazini i-Fortune wathi, "Ukuba uthenge isabelo esinye [sikaJohnson & Johnson] xa inkampani yahamba esidlangalaleni ngo-1944 kwixabiso layo le- IPO ye-$ 37.50 kwaye ibuye ibuyisele igalelo, ubu uya kuba ne $ 900,000, ukubuyiswa konyaka okumangalisayo kwe-17.1%. " Ngaphezulu kwelo, uya kuqokelela kwindawo ejikeleze i-$ 34,200 ngonyaka ngezabelo zemali! Yimali eyayiza kuqhubeka isuka ebomini bakho ngaphandle kokwenza into!
4. Kulula kakhulu ukutshatyalaliswa xa utyalomali kwiimpahla zentengiso kunokuba utyalomali kwi-estate. Ngezinye iimali eziphathekayo , unako ukutshala imali engama-$ 100 ngenyanga. Ngenkampani ezifana ne-ShareBuilder, isahlulo se-ING, unokuthenga ezininzi zeempahla ezinesibambiso senyanga nganye njengento encinane nje ngeedola ezimbalwa. Ixabiso lempahla lifuna imali engakumbi.
5. Amasheya angaphezulu kwamanzi ngaphezu kotyalo-mali. Ngexesha leemarike eziqhelekileyo, unokuthengisa yonke indawo yakho, ngamaxesha amaninzi, kwimiba yemizuzwana. Unokwenza uluhlu lweendawo zokuhlala ngeentsuku, iiveki, iinyanga, okanye kwiimeko ezinzima, iminyaka ngaphambi kokufumana umthengi.
6. Ukuboleka kwi-stocks yakho kulula ngakumbi kunokuthengisa umhlaba. Ukuba umthengisi wakho uvumelekile ukuba ubole umgama (ngokuqhelekileyo, kufuneke ukuba ugcwalise ifomu), kulula ukuba ubhale isheke malunga ne-akhawunti yakho. Ukuba imali ayikho apho, ityala lenziwe ngokubhekiselele kwiimpahla zakho kwaye uhlawula umdla kuyo, ngokuqhelekileyo ngokuthe tye.

I-Cons Consing in Stocks

1. Nangona iifaki ziye zabonakaliswa ngokukodwa ukuba zivelise ubutyebi obuthe xaxa, ixesha elide, abatyali-mali abaninzi banemvakalelo eninzi, bengabonakaliyo, kwaye baxhamle. Baphela ukulahlekelwa yimali ngenxa yeemeko zengqondo. Iphuzu kwinqanaba: Ngethuba lokuwa kwelo xesha, i-Credit Crisis ka-2007-2009, abacebisi bezezimali abayaziwayo babethetha abantu ukuba bathengise amasitokethi abo emva kokuba imarike ityunde ama-50%, ngelixa kanye bafanele bathenge.
2. Ixabiso lentengo liyakwazi ukuguquka okukhulu kakhulu kwixesha elifutshane. Isitoreji sakho se-$ 40 singaya kwi-$ 10 okanye kwi-80. Ukuba uyazi ukuba kutheni unayo izabelo zenkampani ethile, oku akufanele kukukhathaze kakhulu. Ungasebenzisa ithuba lokuthenga izabelo xa ucinga ukuba zincinci okanye zithengise izabelo ukuba ucinga ukuba zibiza kakhulu. Njengoko uBenjamin Graham uthe, ukuvakalelwa ngexabiso lentengo okholelwa ukuba akulungile ukukhungulwa yimpembelelo zabanye abantu kwisigwebo.
3. Kwiphepha, izitokethi zingabonakali ngathi ziye zaphela kwiminyaka elishumi okanye ngaphezulu kwiimarike zecala. Oku kunjalo, ngokuqhelekileyo kulukhumbuza kuba amashadi awawubandakanyeli kumqhubi omnye obaluleke kakhulu wexesha elide lokubaluleka kwabatyalo-mali: izabelo ezibuyisiwe . Ukuba usebenzisa ikhemishini inkampani ikuthumela ukuba inesitoreji sayo ukuthenga amasheya angaphezulu, ngokuhamba kwexesha, kufuneka ube neengxenye ezingaphezulu, ezikuvumela ukuba ube negalelo elongezelelweyo lemali ngokuhamba kwesikhathi. Ukufumana ulwazi olungakumbi, funda umsebenzi weprofesa we-Ivy League uJeremy Siegel.