Indlela yokujonga indlela efanelekileyo yokuTyala imali
Ukunikela kwiakhawunti yokuthatha umhlalaphantsi kuyisinyathelo esibalulekileyo kodwa asiyena kuphela inyathelo leprogram yokucwangcisa umhlalaphantsi. Ukulondoloza umhlala-phantsi kungenakwanela ukuba awuyi kutyalomali kwiintlobo ezifanelekileyo zotyalo-mali ngokusekelwe kwiinjongo zakho kunye nexesha.
Icandelo elifanelekileyo lokukhula okufunayo kunye nemali engenayo iyadingeka kwaye ngamnye umtyalomali ufune isicwangciso-mali esisisiseko. Ukuba awunalo isicwangciso sokutshala-mali endaweni enokuthi ungalimaza amathuba akho okufikelela kwiinjongo zokuphila ezibalulekileyo ezifana nomhlalaphantsi.
Qala ngokuHlola Ubuntu bakho boTyalo-mali
Isicwangciso sotyalo-mali siphumelele siqala ngokuqonda okuyisiseko. Oku kwazisa ukuquka ukwazi indlela othanda ngayo ukwenza izigqibo, nokuba uthanda isiluleko okanye uthanda ukwenza-ngokwakho, kunye nento oya kwenza ngayo xa uhamba uhamba kwaye utyalo-mali lwakho lujamelana nemingcipheko efana nokunyuka kweemarike. Isinyathelo sokuqala esibalulekileyo xa utyalo-mali wokuthatha umhlalaphantsi kukuqonda ukunyamezela kokunyamezela ingozi, okuyiyo ekuhloliseni ukuba ukhululekile kangakanani ngendlela enobudlova, ngokulinganiselayo okanye ekhuselekileyo yokutyalomali.
Ukubeka isicwangciso sakho sokubelwa kweefa, sifanele uzibuze umbuzo onzima-ukuba ubandakanyeka kangakanani ukuba ube ngumphathi wosuku lwepotfolio?
Ngaba ukhetha ngaphezulu "kwezandla" okanye "indlela yokucima" indlela yokutyalomali?
Amandla-On Investment
Abanini-mali abatyebileyo banqwenela ukuba babandakanyeke ngokukodwa kwinkqubo yokuyila iphothifoliyo yotyala-mali. Ezinye izikhethwayo ziquka ukubeka iithagethi ezijoliswe ekujoliswe kuzo kwiiklasi ezahlukeneyo zeempahla (amasheya, iibhonksi, imali, i-asethi, njl).
Ezinye izinto eziqhelekileyo ezinikezela abatyalo-mali kufuneka zijolise ekuhloleni rhoqo kunye nokuhlaziywa kwakhona kwepotfolio. Ngokomzekelo, abatyalo-mali abatyunayo banokukhetha ukutshala imali kwiimpahla ezikhoyo okanye ukulawulwa ngokufanelekileyo kwemali okanye ukubeka ukwabiwa kwabo kweefa (ukudibanisa iintlobo zotyalo-mali) zotyalo-mali ezingasetyenzisiweyo ezifana neenkcazo zemali.
Uluhlu lweeNgcaciso zoTyalo-mali
- Qaphela rhoqo kwaye ubuyekeze ukusebenza kweakhawunti
- Gcwalisa uhlaziyo-ntlawulo
- Yiba nethemba ngokwamandla akho okwenza izigqibo ezibalulekileyo zotyalo-mali
- Uncame ukhethe ukulungiswa kwemali yolwabiwo-mali
- Ukuphanda rhoqo iinkcukacha zabantu abasesikolweni, iimali ezihlangeneyo, ii-ETF, okanye ezinye iimali-mali.
- Inqweno yokudala iphothifoliyo enokwenziwa kweerhafu
- Ukutsalwa kwemali ngokwemali ngokuqhelekileyo
Kukho iinketho ezininzi zokwenza utyalo-mali-mali, kubandakanywa iakhawunti yomhlala-phantsi, iifayili zokurhweba i-discount, kunye neefayili zenkxaso-mali zemali ephantsi apho unokuzifaka khona wena okanye ngaphandle komcebisi.
Ukunikezelwa Kwezandla-mali
Abatyalo-mali abancedisayo ngokuqhelekileyo bafuna isisombululo sokusalula. Cinga ngolu hlobo njengokhetho lokuyeka ukuthenga. Ngenxa yoko, abatyali-mali abancedisayo bayakwazi ukufumana iipotifoliyo zeefa ze-asethi zangaphambili.
Imizekelo evelele yokutyalomali ehambelana nale nqanaba ibandakanya i-target target funds, umrhumo wenkxaso-mali, iiposfoliyo eziphathwe ngokufanelekileyo, okanye ukusetyenziswa kwe-platform yokutshala imali kwi-intanethi okanye okuthiwa " umcebisi-robo ". Ezinye iindlela zokutsalwa kwezandla zokutsalwa kwezandla zithembele kwiikhokelo zobugcisa ukusekwa isicwangciso-mali sephothifoliyo kunye nokuzilungelelanisa ngokuzenzekelayo. Le ndlela ihlala yinto efanelekileyo kubantu abakhetha ngaphezulu "ukuyibeka nokulibala" indlela yokulawula iphothifoliyo yokutshala imali kwaye ngubani kuphela oceba ukwenza iinguqu ezimbalwa nje ngexesha elithile. Iingxowa-mali eziphathekayo ngokukhawuleza okanye inkxaso-mali yokuthatha umhlala-phantsi zikhethwa ngabantu abatyunayo abatsha-mandla ngenxa yokuba abafuni ukubeka iliso rhoqo.
Uluhlu lokuHlola oTyalo-mali
- Ungaqheleki ukujonga i-akhawunti yakho rhoqo
- Ukungabi nethemba kwikhompyutha yakho yokukhetha utyalo-mali
- Ukukhetha ipotfoliyo yangaphambi kokuxutywa okanye ukuyibeka kunye nokujonga indlela
- Ngokuqhelekileyo engaqhelekanga ngesakhiwo sabantu ngabanye amasheya, iimali ezihlangeneyo, ii-ETF, okanye ezinye iimali-mali.
- Ngokuqhelekileyo wenze uhlaziyo lwabiwo-mali okanye utshintsho
- Musa ukulinganisela iakhawunti yakho rhoqo
- Akunandaba malunga nokusebenza kwentela
Ukutyalwa kotyala-mali-mali, qwalasela ukusebenzisa ixabiso eliphantsi, isicwangciso-mali sokugcina imali esigxile ekunikeziseni i-asethi (okanye ukuba ulwahlula njani i-akhawunti yakho kwiikhosi ze-asethi ezifana ne-stocks, iibhondi, i-asethi yangempela kunye nemali). Oku kuza kusebenza kangcono kunokuba nje uzame ukukhetha abadlali abaphezulu ukusuka kwiminyaka edlulileyo okanye ukwahlula umrhumo wakho kulowo nalowo ukhetho lwakho lotyalo-mali kwisicwangciso se- 401 (k) . Enye indlela yokumelana nokunceda ukufumana iipotifoliyo ezahlukahlukeneyo ezibonelela ngesikhokelo sobugcisa kukukhetha i-assets allocation mutual fund ehambelana nokunyamezela. Ukuphazamiseka kwendlela ehamba ngayo kukuba ukunyamezela kwakho kunokutshintsha njengeenjongo ezifana nokuthatha umhlalaphantsi kunye kwaye unokufuna ukulungelelanisa utyalo-mali ngokukhawuleza ixesha. Ngenye indlela, isikhwama somhlala-phantsi somhla wokujolisa sihlinzekela indlela ye-glide yokutshala imali ezitshintsha ngokuzenzekelayo ukwenzela ukuba utyalole ngokuqhubekayo njengoko usondela kumhlalaphantsi.
Ukuba ukhetha ukuba nomqeqeshi wezezimali, cinga ukusebenza kunye ne-CERTIFIED PLANER CERTIFIED PLANNER kuphela, oqeqeshiweyo ohlawulwa kuphela ngabathengi kwaye kungekhona ngamashishini okanye iirhafu zemali. Kubalulekile ukujonga imvelaphi yomcebisi wakho nge-FINRA okanye nge-SEC ukuba ngaba basebenzayo njengomcebisi-mali obhalisiweyo. Kufuneka uhlolisise nomqeshi wakho ukuba abone ukuba ngaba banikezela ngeprogram yokuphucula imali ebonelela ngeenkonzo zenkxaso-mali okanye iinkonzo zengcebiso.