Nazi iindlela ezintathu ezifunyanisiweyo zokutshala ubulumko - kunye nenyaniso emva kwabo.
"Thengisa ngoMeyi uhambe"
Lo mgaqo ususelwe kwingcamango yokuba abatyali bekhefu bawaphulaphula utyalo-mali lwabo ehlotyeni, okukhokelela kumgangatho ophantsi wokuthengisa kunye nokunciphisa iindleko zehlobo.
Ukufumanisa ukuba le ngcamango iyayilungelelanisa okanye isiluleko sotyalo-mali esilungileyo, jonga ukuhlolisiswa kwolu hlolo lwakutshanje olwenziwe ukubuyiswa kwemarike ye-stock market.
Ukufumana imali ekufunyenwe kulo, uFerer kunye noogxa bakhe bacetyisa ukuba kabini ukunyuswa kwemakethi yee-stock ngexesha leenyanga zikaNovemba ukuya ku-Ephreli, kwaye kubambe iintlawulo zeeNondyebo ngoMeyi ukuya kwiinyanga zango-Oktobha.
Oku kuvakala lula ngokwaneleyo! Kodwa kubalulekile ukukhumbula ukuba uya kuhlangana nemiphumo yerhafu ngeli thuba lokuthenga kunye nokuthengisa elifutshane. Kwaye kubalulekile ukuba uqaphele ukuba esi sicwangciso asisebenzi rhoqo ngonyaka. Enyanisweni, kulo nyaka, ukubuyela kwakho kuya kuwela emva kweemarike ukuba uthengisa ngoMeyi.
Ngokuqhelekileyo, ukuhweba rhoqo kusenza uvule ukuvumela iimvakalelo zakho zikhokele ukutyalomali lwakho. Ukuba uhlala ixesha elide, uthengi-mali kwaye uthengise imali-mali, ngoko mhlawumbi ungcono kakhulu ukuhlala utyalo-mali kwiimarike kunokuba udonsa imali yakho ukuze uzame kunye nexesha lokuthengisa ngokusekelwe kulo mlando.
"Musa ukudibanisa ubomi kunye ne-Bull Market"
Ekuqaleni kuchazwe nguHumphrey Neill, umsunguli weNgqungquthela yokuLawulwa kweMiboniselo ngo-1963, le ntetho ibhekisela kubatyalomali ababonisa ukuba iimakethe zabo zithengiswa ngokwabo, kunokuba zithengise iimveliso zorhwebo.
Nangona iimarike zenyuka iphantsi, iindleko zexesha elide ziye zaphakanyiswa.
Ngaloo ndlela, abatyali-mali abaninzi baya kufumana utyalo-mali lwabo lukhula-kwaye oko kuyinyani ukuba ngaba beye kwiimarike ezixhasayo zenkomo ixesha elithile. Ukuba utyalo-mali kwiimarike kwithuba lesibhozo leminyaka edlulileyo, mhlawumbi ubuya kubona ukubuyela kweemarike ezithengisayo; kwaye ngaphandle kokuba le ntlawulo ibonakaliswe kakhulu kwiimpawu ngexesha eli xesha, impumelelo yakho yokutyalo-mali ayifumanekanga kwiingcaphephe zakho, kodwa kwi-market force.
Ngoko, siya kuphawula lo owenene. Yamkela ukuba utyalo-mali ngokubanzi kwiimarike kwixesha elidlulileyo kuye kwakhokelela ekubuyiseni kwexesha elide kwisigulane, kwaye ungavumeli ukuqhubela phambili kwempumelelo kukuqinisekisile ukuba uyisitifiketi se-stock.
"Musa ukulwa neTape"
Lo mgaqo ongabhalwanga ngokutyalomali ubhekisele kwisincophiso sokuba abatyali-mali abayikuthengisana nxamnye nesimo. "Itheyipu," okanye i-ticker tape, ibonisa ingxelo ye-flow of changes okanye iikethi kwixabiso lamasheya. Isizathu salo mthetho wokutyalo-mali sisekelwe kwiingcamango zengqungquthela ebonisa ukuba umgangatho uza kuqhubeka. Ngoko, ngokungathi "ungalwi neyiteyipu", ukuba izitokisi zihamba phambili, ziyakwazi ukuqhubeka kuloo ndlela.
Ngokuqhelekileyo, oku akuyona ingcebiso embi. Kodwa khumbula ukuba amasheya akaqhubeki kwelinye icala, kwaye ngezinye iinkalo, imarike yenkomo iya kuba yintengiso yeebhere .
Ingxaki kubaphathi-mali kukuba akukho mntu owaziyo xa ukutshintsha kuya kwenzeka.
Isigqibo sokugqibela: Ngaba ufanele utyalole ngokwemiqathango engabhalwanga ngokutshalwa kwezimali?
Njengamanqanaba amaninzi, le mithetho engabhalwanga yokutyalomali ibincinane inyaniso kubo. Kodwa akufanele kube sisiseko sesicwangciso sakho sokutyalomali. Ulunge ngakumbi ekusebenzeni iphothifoliyo yokutshala imali kunye nokugcina ulwabiwo lweefa ngokuhambelana nobudala bakho kunye nokunyamezela. Ngale ndlela, xa iimarike zihla, i- portfoliyo yakho yokutshala imali idibanisa iquka ukunyanzeliswa kotyalo-mali olusisigxina ukunciphisa i-stock market negative returns.
Njengomgca-mali oyimfuneko uBenjamin Graham wambi wathi, "Ngethuba elifutshane, imarike ngumatshini wokuvota, kodwa ekuhambeni kwexesha ngumatshini olinganisa." Ngamanye amazwi, kwixesha elifutshane, iimarike ziqhutyelwa yi-psychology kunye Imvakalelo - kwaye mhlawumbi nangamanye ale mithetho engabhalwa phantsi - kodwa kwixesha elide, amanani emasheya abonisa ixabiso eliphantsi leenkampani.
UBarbara A. Friedberg ungumphathi wepotfoliyo kunye nomcebisi-mali weyunivesithi. Ukubhala kwakhe kubonakala kwiiwebhusayithi ezahlukeneyo kuquka uRobo-Advisor Pros.com kunye noBarbara Friedberg Personal Finance .