Ngaba Unokukhetha Iimpahla Zakho? Isivivinyo sesi-5 sesibini ukukunceda ukuba wenze isigqibo.

Indlela Yokukhawuleza Nendlela Elula Yokuvavanya Ukuba UkuThengisa Amasheya Kuyingozi Kwakho

Umthombo oqhelekileyo wokudideka kwabatyalomali abatsha kukuba ngaba kufuneka bazame ukwakha iphothifoliyo ngokwabo ngamasheya ngamanye, okanye okunye, batyalole kwindlela ethile ehlanganisiweyo efana ne-fund fund, ngokukodwa i-index index cost-fund . Nangona umbuzo ngokwawo uphazamisekile-ekugqibeleni nakwi-index index yenziwa ngabathengi ngabanye abanjwe ukulinganisa okuthe ngqo ngokusebenzisa indlela ethile-kuvelisa iphuzu elibalulekileyo ekuzame ukhethe izicwangciso zeepotfolio kunye neepotfoliyo zecandelo elithile ngaphandle Ukwazi into oyenzayo kungabangela inhlekelele kwintsapho yakho.

Sekunjalo, kulabo bafuna ukwazi ukuba ngaba kufuneka batyala ngokuthe ngqo kwiisitokisini ngasinye, umgaqo-jikelele wokuba utyalo-mali oluyimpumelelo kwixesha elide liye liye kwisigwebo esisodwa, konke okulinganayo: Nangona inkampani enkulu yintyala-mali enzima xa uhlawula kakhulu kakhulu. Ngokwenene, unokufaka indawo nayiphi na impahla yegama lenkampani; akunandaba nokuba utyalo-mali kwiimbopheleleko okanye utyalo-mali kwi-real estate . Ukuqhubela eli phuzu ekhaya, enye impazamo enkulu kakhulu ukuba ndibona abatyala-mali abatsha bengayiqondi ukuba yintoni eyenza amanani entengo kwiminyaka emashumi. Ukunika ingxelo ngale nto, ndavelisa uvavanyo lwe-5 lwesibini oluye lwandilungisa kakuhle ekuqikeleleni izinga elithile lolwazi umntu analo ukuba bafuna ukuthatha indlela yokwenza utyalo-mali.

Olu vavanyo? Ndiya kubuza umbuzo olandelayo: " Ukuba inkampani ifumana i-$ 1 ngesabelo ngasinye, akukho kuhlengahlengwa kulindeleke, ikhula ngo-3% ngonyaka kwaye ikulindeleke ukuba yenzeke ngonaphakade (nje ukuhamba ngezinga lokunyuka kwamaxabiso, eli-3%), kwaye Unondyebo weminyaka engama-30 uvumela u-5%, unjani ukuba uhlawule isitokisi? "

Ukuba awukwazi ukuphendula loo mbuzo phantsi kwemizuzwana emihlanu, mhlawumbi ungananto yokukhetha izitokethi kwiphothifoliyo yakho. Endaweni yoko, unokufumana iipotfoliyo ezahlukahlukeneyo zeendleko zeendleko eziphantsi .

Kutheni ndivakalelwa kakhulu ngale nto? Ngenxa yokuba ixesha elidlulileyo, amanani emasheya aqhutywa yintlawulo yesabelo ngasinye kwaye ukubuyiswa kwakho kuxhomekeke ekubeni uhlawulele kangakanani isabelo ngasinye sesitokethi esimalunga nalawo mavuzo.

Oku kutyalomali, ngokucacileyo. Ukuba awukwazi ukundixelela ukuba inani elincinci "elilingene" le-$ 1 yemali kwizinga elithile lokukhula, awukwazi ukuba nethemba lokwenza imali inqabileyo yelenqe. Uza kungena kumdlalo owawunamathele kuwe kwaye xa ujongene nezinto zokuhlala umhlala-phantsi kunye nokhuseleko lwakho kwintsapho, akusiyo inkqubo enokuqonda.

Kwabo abanomdla kwimpendulo yokuvavanya, kuxhomekeke kumlinganiselo wokubuyela okufunayo. Ngaloo ndlela, umbuzo onobuqili. Omnye owaziyo ngokwaneleyo ukwazi indlela yokuxabisa isitokthi uyazi ukuba intlawulo awayemele ayihlawule iya kuxhomekeka ekubuyiselweni kwakhe. Ukuba wayefuna ukufumana i-15% kwimali yakhe - kude kube ngaphezu kwexesha elide elibuyiselwayo elifunyenwe kuma-equity - akakwazanga ukuhlawula ngaphezu kwe-8.58 ye-stock. Ukuba wayefuna ukufumana i-12%, enye inzuzo ekhangayo kakhulu engaphezulu kweembali zembali, wayengenakho ukuhlawula ngaphezu kwe-$ 11.44. Ukuba wayefuna ukufumana i-8%, akakwazanga ukuhlawula ngaphezu kwe-$ 20.60. Ukuba isitokhwe sithengisa, sitsho i-$ 30, umtyalomali kufuneka azi ukuba kufuneka alindele kuphela izinga lokubuyela kwe-6.43% kwilizwe leemali ezizinzileyo ezingenabungozi kunye nokuphindaphinda kwamanani ngaphandle kokuba izinga lokukhula liphezulu liphezulu .

Yongeza ukucaca kwinkqubo yakho yokucinga. Ibeka umyalelo kuwe ..

Izibalo ezibandakanyekayo ekubaleni ixabiso langaphakathi lidlula ngaphaya kwe-Investment for Beginners. Kuvumelekile ukuba uthe, lo vavanyo lunokukunceda kakhulu, xa unqumle indlela yokwakha iphothifoliyo yakho nangona konke oko kukukwazisa ukuba kuya kuba ngcono xa wakha iipotifoliyo ezahlukahlukeneyo zengxowa-mali.

I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.