Unokugqiba njani ukuba i-UIT i-investments efanelekileyo kuwe
Yintoni eyiyo i-IT?
I-IT isingqinisiso yenkampani yokutyalomali okanye inkampani ezithwala iimali-mali, ngokuqhelekileyo iimpahla okanye iibhondi, zibe yunithi enye. Ezi nqununu zithengiswa kubatyalo-mali ukuba babambelele ixesha elimiselweyo. Injongo kukuba utyalo-mali luya kuqonda kwaye luvelise ngeniso.
Cinga ngetyunithi yotyalo-mali yokuqokelela imali kukuqokelela kwezinye iintlobo-mali, njengengxowa-mali.
Kwihlabathi elinobudlelwane, i-UIT ibaluleke ngokuqokelelwa kweebhanki, iimali zebhanki okanye i- bond derivatives .
Ukufana kunye nokungafani
Ngokungafani nesikhwama sokubambisana, utyalo-mali kwicandelo lokuthenjwa kwetyala lokuthengisa utshintshwe ngumphathi wezimali. Kunoko, umphathi uthenge utyalo-mali kwaye uyazigcina ade akhule.
Ukuthenga i-UIT kuyahluke kakhulu ekuthengeni i-fund. Imirhumo yolawulo ye-UIT incinci kakhulu kunezo mali eziphathekayo-mhlawumbi, kuba akukho "ulawulo" oluninzi olubandakanyeka kwipotfoliyo yokuthenga nokugcina njenge-IT. Kukho iintlawulo zentengiso ezihambelana neenkokhelo zentengiso yeyunithi, nangona kunjalo, njengemirhumo ehambelana nemithwalo yemali. Kodwa nantsi i-catch: Uza kuhlawula ikhomishini yokuthengisa ukuthenga i-UIT, kodwa ungaze uthengise.
Ngenxa yokuba i-UIT iqulethwe utyalo-mali oluya kubanjwa ukukhula, inkokhelo yokutshala imali yunithi inomhla wokukhula, ngokungafani nesikhwama sokubambisana.
Ezinye iiUIT zenzelwe ukuvuthwa kwiminyaka emihlanu okanye njalo. Amanye atyala ixesha elide elingayi kukhula kuze kube yiminyaka engama-30 emva kokudalwa.
Ngaba kufuneka uthenge i-UIT? Okuhle nokubi
Kukho izinto ezintathu ezibalulekileyo ekufuneka ziqaphele ukuba ucinga i-UIT kwipotfoliyo yakho. Iimbini zenzekile kwaye enye ikhonkco.
Ngecala elihle, inzuzo enkulu kakhulu kwi-UIT yona nxalenye enkulu yokuthengisa ye-bond joint fund: i- diversification .
I-UIT inamanani ahlukeneyo kunye nokutyalomali oluhambelanayo, kwaye ukuthenga iqoqo lotyalo ngokubanzi kubonwa njengokhuselekileyo kunokuba kuthengwe utsalo-mali omnye.
Enye into efanelekileyo kukuba iimpahla ezihlukeneyo ze-ITU ayitshintshi. Ukuba unayo i-IT, uyazi ukuba ziphi iimbophe. Awunelanga ukulinda de isitatimenti sakho sekota ukuze ubone oko umthengi wemali uthenge, oko kuthengiswayo, kunye nento oshiye ngayo. I-UIT inikezela ukuhambelana okunokuba luncedo kwaye lukhululekile kubatyalimi abaninzi, ingakumbi abo bahlala phantsi.
Into yesithathu kufuneka ibhekwe njengento engalunganga, nangona ihambelana ngokusondeleyo kwizinto ezimbini ezintle. Ngenxa yokuba i-UIT inamanani amabhondi ngaphakathi kwayo, umtyalo-mali unokuthi enze uphando kuwo onke amabamba ukuqinisekisa ukuba bonke bahlangabezana nokunyamezela kwakhe komngcipheko. Oku kungayinkqubo echitha ixesha. Kungenzeka kube sisisilumko esilumkileyo kubanini-mali-mali abaninzi ukuba bathenge iintlobo-mali ezincinci ezinjenge-US Treasury.
Umgca wezantsi? Yenza umsebenzi wesikolo kuqala.