Ngaba Ukuthatha Ingozi Yotyalomali Kubuyiselwa Ukubuyisela Okuphezulu?

by Dana Anspach

Olu luhlu lwamagrafu lubonisa ukuba utyalo-mali obuthathaka obuncinane bubekelwe njani utyalo-mali obuphezulu ngaphezu kweminyaka engamashumi amathathu ukususela ngo-1980 ukuya ku-2009 Kodwa ngaphezu kwexesha elincinci lexesha, akusoloko kunjalo.

01 Ukuthelekisa utyalo-mali obuncinci kuTyalo-mali oluPhakamileyo

Kwixesha elide loTyalo-mali oluPhezulu lweDelieverd Ukubuyisela okuphezulu Kucofa kwigrafu ngasentla malunga nomfanekiso ocacileyo, owandisiweyo obonisa ukuba i-$ 100 etyalomalileyo iminyaka engamashumi amathathu edlulileyo yayiya kukhula kwindalo-mali kunye namazinga asemngciphekweni. Dana Anspach

Umgca ngamnye kwicrafu ngasentla ubonisa ukuba kwenzekani ukuba utyalomle i-$ 100 ngo-1980.

Umgca oluhlaza ubonisa umphumo ukuba loo mali eyi-$ 100 yayisetyenziswe ngokukhuselekileyo , njengezatifikethi zexesha elifutshane.
Umgca ohlaza okwesibhakabhaka ubonisa umphumo ukuba utyalo-mali kwiminyaka emihlanu yemali yokugcinwa kwemali yengxowa-mali , kwakhona uthathwa njengotyalo-mali oluphantsi.
Umgca welayini ubonisa umphumo ukuba imali yakho inotyalwe kwinto efana nekhredithi elinganisiweyo , kunye ne-50% kwizibophelelo kunye ne-50% kwi-index index fund.
Umgca obomvu ubonisa indlela i-$ 100 yakho eya kukhula ngayo xa ityalwe kwi- S & P 500 Index Index .

Kwimagrafu elandelayo, unokubona iinkcukacha ezongezelelweyo kwizinga ngalinye lomngcipheko wotyalo-mali.

02 Okhuselekileyo, Akukho Mngcipheko woTyalo-mali

Utyalo-mali olukhuselekileyo olungenayo ingozi Chofoza kwigrafu elingentla ngenjongo ecacileyo, ephakanyisiweyo, ebonisa ukuba unyaka ngonyaka ubuyisela utyalo-mali obuncinane, njengezatifikethi zexeshana zexeshana, eziza kubonelela kule minyaka engamashumi amathathu edlulileyo. Dana Anspach

Utyalo-mali olukhuselekileyo alunobungozi bokulahlekelwa yinqununu. I-trade-off kukuba ungeke ufumane imali eninzi yokubuyisela. Ngomngcipheko ophantsi, utyalo-mali olukhuselekileyo awuyi kuba nexhala malunga nokulahlekelwa yimali, kodwa unako ukwenza okungakumbi.

Umngcipheko wakho omkhulu kukuba ukubuyiswa kwakho kotyalo-mali kuya kuba ngaphantsi kwezinga lokunyuka kwamaxabiso. Ngo-2009 umzekelo, ukutshalwa kweengcipheko eziphantsi kotshintsho kubuyiswe ngaphantsi kwesigamu sesinye sepesenti, kodwa ukunyuka kwamaxabiso, njengoko kulinganiswa ngongoma wexabiso labathengi, bekuyi-2.5% ngaloo nyaka. Kunzima ukuhlala kwisiqingatha sepesenti ngonyaka xa iindleko zikhulayo.

Ukuze ufumane imbuyekezo ephezulu, kufuneka uzimisele ukusebenzisa utyalo-mali oluphezulu, oko kuthetha ukuba unokuba neminyaka apho unemivuzo embi. Igrafu elandelayo kule chungechunge ibonisa indlela utyalo-mali olunomngcipheko omncinci ngakumbi oluthelekiswa ngayo notyalo-mali ngaphandle kwengozi.

03 Utyalo-mali oluphantsi

Utyalo-mali oluNcinci, aluqinisekisiweyo, kodwa u-Stil ngokukhuselekileyo ngokuchanekileyo kwi-grafu apha ngasentla ngenjongo ecacileyo, ephakanyisiweyo ebonisa iminyaka engamashumi amathathu edlulileyo yokubuyiswa kotyalomali ukuba ithatyelwe imali kwiminyaka emihlanu yemali yokugcina imali. Dana Anspach

Utyalo-mali obuthathaka, njengorhulumente wexesha elifutshane, izibophelelo zenkampani kunye nezoomasipala, ukubuyisela iindleko eziqhubekayo kunye nobungozi obuncinci. Ngokubanzi, oku kuthetha ukubuyiswa okuphezulu kuneendlela ezikhuselekileyo, eziqinisekileyo. Kuboniswe ngentla yile ntlawulo yonyaka yokutyalomali kwiminyaka emihlanu yovimba- mali .

Uninzi lwezinto eziphantsi komngcipheko luyibophelelo. Xa kuziwa kwiimbopheleleko, nantsi izinto ezimbalwa zokugcina engqondweni:

Iibhondi zikaRhulumente - Ezi zithathwa njengotyalo-mali olukhuselekileyo, njengoko inqununu kunye nenzala iqinisekiswa nguRhulumente wase-US.
Iibhanki zoshishino - Inqununu kunye nenzala ixhaswa ngamandla enkxaso yenkampani eyayikhupha, ngoko ke ukuba inkampani ifakela imali, imali yakho ingasengozini.
Izibophezelo zikamasipala - Inqununu kunye nenzala ixhaswa nguRhulumente okanye isixeko esakhupha isibophelelo. Nangona kunqabile, kukho iimeko apho oomasipala bengenazo zibophelelo.

Ukuze ufumane imbuyekezo ephezulu ngezinga eliyingcipheko lomngcipheko wotyalo-mali, unokukhetha ukubeka inxalenye yemali yakho kwiimali eziphantsi kotyalo-mali kunye nxalenye kwinzala-mali ephakamileyo. Iziphumo zesicwangciso esinjalo ziboniswa kwigrafu elandelayo kule chungechunge.

04 Utyalo-mali oluchanekileyo

Utyalo-mali kunye nokubuyiselwa kwi-Portfolio elinganisiweyo. Igrafu ibonisa ukubuyiselwa kwiphothifoliyo ye-50% yemali yokugcina imali kunye ne-50% esitokisini, okuza kubonakalisa inqanaba lomngcipheko wokutshala imali ezintathu kwizinga elilodwa ukuya kwezihlanu. Dana Anspach

Unokwenza iphothifoliyo ngezinga eliyingcipheko lomngcipheko wotyalo-mali ngokukhetha ukudibanisa okufanelekileyo kwezibhonkco kunye neendawo.

Igrafu engentla ibonisa ukuba ikhalenda yabuya ngo-1980 ukuya ku-2009 kwipotfoliyo ethe yatyalwa ngu-50% kwi-securities securities ngeminyaka emihlanu yokukhula (njengoko kuboniswe kwisigrafu sangaphambilini), kunye ne-50% kwi-stocks ezinkulu ze-US ezinjenge-S & P 500 isalathisi (njengoko kuboniswe kwigrafu elandelayo).

Unokudala umxube otyalo-mali ofanayo ngokusebenzisa i- fund efanelekileyo , okanye ngokuthenga iimali zenkcazo ezimbini; inkcazo yenkxaso-mali kunye ne-index index fund.

Ngokutyalomali-mali okumodareyitha, uza kuba neminyaka apho utyalo-mali lwakho luhla ngexabiso, kodwa ukuba uzimisele ukunamathela nepotfolio yakho, mhlawumbi uya kuba nexesha elide elide.

Ukuba ufuna i-returns ephezulu, kufuneka ufumane unobundlobongela. Igrafu elandelayo ibonisa iziphumo zepototifo ezityalomali 100% kwiimpahla zamasitokethi.

05 Utyalo-mali ophezulu

Utyalo-mali ophezulu luya kuba yi-Stock Index Fund Khupha kwigrafu apha ngasentla ngenjongo ecacileyo, ephakamileyo ebonisa ukubuya kwekota kwikharityhulam ye-S & P 500 kule minyaka engamashumi amathathu edlulileyo. Dana Anspach

Igrafu engentla ichaza ukuba unyaka wekhalenda ubuyisela ntoni xa utyalomali kwi-S & P 500 Index Index ngaphezu kweminyaka engamashumi amathathu ukususela ngo-1980 ukuya ku-2009.

Inkxaso-mali ye-stock index ithathwa njengotyalo-mali ophezulu; unokubuyisela phezulu kakhulu ngonyaka omnye, kunye nelahleko ezinkulu ngonyaka ozayo; nangona, ngaphandle kokuba iArmagedon ifike kwaye zonke iikhampani ezidweliswe kwikhompyutheni ziphuma kweshishini kanye, awuyikubeka ingozi yokulahlekelwa yonke imali yakho (eyona nqanaba lomngcipheko wokutshala utyalo).

Kukho ezinye iindlela eziwela kulolu hlobo lengozi, njengotyalo-mali oluphezulu , olunikela ngamanqanaba aphezulu ekhoyo kwingeniso enxulumene neendlela ezikhuselekileyo.

Kwigrafu elandelayo kwichungechunge uza kubona onke amanqanaba omngcipheko wotyalo-mali ocwangcisiwe ecaleni, ekunikezeni ukuthelekiswa okubonakalayo.

06 Qhathaniswa noTyalo-mali oluNcinci oluPhakamileyo lwezoTyalo-mali

Izatifikethi zeDistim, iiNondyebo, iiPortfolio, okanye zonke ii-Stocks Cofa kwigrafu apha ngasentla ukuba umfanekiso owandisiweyo, ocacileyo obonisa ukuba ikhalenda yonyaka ubuya ukusuka ngo-1980 ukuya ku-2009 ukwenzela utyalo-mali kunye namazinga asemngciphekweni. Dana Anspach

Ukuyikhusela ikhuselekile okanye uthathe ingozi eyongezelelweyo yobungozi? Igrafu engenhla ibonisa ukubuyiselwa kotyalo-mali olukhuselekileyo xa kuthelekiswa neendlela eziphezulu zengozi.

Umgca oluhlaza ubonisa ukubuyiselwa kwezatifikethi zenyanga zediphothi; oluyi-investment risk low.
Umgca ohlaza okwesibhakabhaka ubonisa ukubuyiselwa kweemali zokugcina iimali eziyiminyaka emihlanu; omnye utyalo-mali ophantsi.
Umgca welalanti ubonisa ukubuyiselwa kwiphothifoliyo elinganisiweyo yamashumi amahlanu ekhulwini kunyaka wesihlanu, kunye namashumi amahlanu ekhulwini kwi-stocks ezinkulu ze-US (ezimele i-Index ye-S & P 500); utyalo-mali othe ngqo.
Umgca obomvu ubonisa ukubuyiselwa kwekhowudi yeS & P 500; utshalomali oluphezulu.

Kuthiwani malunga neendlela ezikhuselekileyo zokuthengisa izinto? Ndiya kugubungela abo kwigrafu elandelayo neyokugcina kule ngcelele.

07 Investment Risk Extreme

Utyalo-mali oluphezulu luyakwazi ukubuyisela inzuzo enkulu, kodwa ubeka ingozi ekulahlekeni konke otyalombileyo.

Utyalo-mali oluphezulu luquka izinto ezinokuba nezitokethi, ukuqala ishishini, ukudlala iimakethe zokukhetha , okanye ukucinga ngecandelo lendawo yokuhlala.

Akufani nokugembula, kuba utyalo-mali kwithuba othe wathatha ixesha lokuphanda ngokugqibeleleyo, kodwa inhlanhla iya kuba neyona nto inokuyenza kunye neziphumo zakho.

Ukudlala imali, okanye abatyali-mali abaqingqiweyo, ezi zikhethi zilungile. Kodwa kubabo abanomlinganiselo omncinci weemali kwaye uyazi ukuba uya kuxhomekeka kubo ekuthatha umhlalaphantsi, mhlawumbi ufuna ukucaca ngokucacileyo ukhetho oluphezulu.