I-DIY vs Iingcali: Indlela yokwenza iChete ekhethekileyo
Hlonipha Ngowe
Ubumnandi obukhulu kwindalo yonke yezemali ukuthobeka; ngenxa yokuba ukwazi ukuqonda ukuba awukwazi into yonke into ehamba phambili phambi kweminye impawu ezintle, ezifana nokunyaniseka, ukulula, umonde, ukumodareyitha kunye nokungahambi kakuhle - konke okubandakanya impumelelo enkulu ekutyala imali kunye nezinye iindawo cwangciso se zimali. Abantu abathobekileyo baqesha abacebisi kodwa abantu abathobekileyo nabo benza abatyalo-mali abakhulu. Ngoko ke kubalulekile ukuba uthembeke kunye nawe kwaye uhlole ukuthobeka kwakho.
Jonga kwiSithombe esikhulu seMali yoMntu
Utyalo-mali lungaba yindawo enye yezemali eyamkeleke ngakumbi kunokuba yiphina indawo yokucwangcisa imali. Ukuba unako oko kuthatha ukuba ube ngumtyalomali omkhulu, kuthekani ngemimandla ehlukeneyo yezemali yentlawulo, umhlalaphantsi, i-inshurensi, ukucwangciswa kwezinto, kunye nokuphathwa kwemali (uhlahlo lwabiwo-mali)? Mhlawumbi uye wenza umsebenzi omhle wokwakha iipotifoliyo zeemali zentlawulo kodwa ukubuyiswa kwakho konke kubandezeleka ngenxa yokuba awukwazanga ukubeka imali efanelekileyo yerhafu kwi- akhawunti yakho yomrhweba rhoqo ...
Okanye ukwenzile umsebenzi omkhulu wokulondoloza umhlalaphantsi kodwa uqoqosho olunzulu lwemali luhlasela iminyaka embalwa ngaphambi kokuthatha umhlalaphantsi kwaye lonakalisa izicwangciso zakho ... Okanye uchitha imali engenasiphelo kwimveliso yomshuwalense engeyomfuneko ... okanye ufa eselula ubudala kunokuba ucinga ukuba abatyala bakho kunye nekarhulumente karhulumente bafumana ubuninzi beempahla zakho zefa ...
Ufumana umfanekiso (bona "ukunyaniseka" ngasentla).
Khumbula ukuba okungakumbi Kuncinci
Ngokuqinisekileyo kukho izixhobo ezininzi ezintle kunye nemithombo yolwazi ekhoyo kwi-intanethi kubatyalomali ukwenza izigqibo zobulumko malunga nokutyalomali. Kwakhona, ukufikeleleka okungakaze kwenziwe ngaphambili kwizithuthi ezilula kunye ezinamandla, ezifana neengxowa-mali kunye ne- Exchange Traded Funds (ETFs) , kwenza kube lula kunabanye abatyali-mali ukuba baphando, benze izigqibo kwaye bazalisekise ukugcina imali kunye neenjongo zokutshala imali. Nangona kunjalo, ukhetho oluthe gqolo lukhokelela ekwenzeni okuncinci ukwenza izigqibo ezintle kwaye abatyala-mali bangenza impazamo yeklasi yokuchitha ixesha elixabisekileyo kwimali xa bebenokuyisebenzisa kwizinto eziphambili, njengentsapho, impilo okanye iinjongo zabo.
Ukulinganisa ixabiso lexesha
Ingakanani ixesha lakho elifanelekileyo? Ngaba uyibale? Iyini ukubuya kwakho kutyalo-mali (ROI) ngexesha elityalomali kwisicwangciso sezemali? Iyintoni indleko yemali engeyiyo-mali? Ngokomzekelo, ukuba ubuncinci njengempumelelo njengomphathi wezemali weengcali ungayifumana imbuyekezo nje phezulu okanye ngaphantsi kwe- S & P 500 Index Index . Ngamanye amagama, ngaphandle kokuba uneliseko lophando lotyalo-mali okanye inkqubo yocwangciso lwezemali, ixesha elongezelelweyo elityalomali lingafanelekanga ukufumana umphumo wezezimali.
Ukuba Izidingo Zakho Zilula, Zizenzele (Ngokuqaphela)
Thatha kum kum, umcebisi-mali kunye noMcwangcisi wezeMali oqinisekileyo (CFP®), iimfuno zomntu oqhelekileyo zokucwangcisa ngemali zilula kwaye zilawulwa ngaphandle kokuncediswa kwengcali. Nangona kunjalo, ubunzima buyongezwa ngoluvo olungalunganga ukuba izicwangciso ezicwangcisiweyo, izicwangciso kunye nezicwangciso ziyimfuneko yokuphumelela ngemali. Ukuba unako ukuhambelana nemithetho elula yokwabiwa kweempahla, ukusetyenziswa kwemali yenkcazo, i-automate imali apho kunokwenzeka khona, sebenzisa i-inshurensi yesikhashana kuphela, gcina inkokhelo phantsi kolawulo, kwaye awuyi kuwela i-$ 2 yezigidi kwi-asethi naliphi na ixesha kungekudala, unako ngokuqinisekileyo ukulawula zakho iimali.
Kukho, ke, i-caveat ephawulekayo kwindlela ozenza ngayo: Imali yenye yezinto ezinokukhuphaza kakhulu emhlabeni. Kufuneka ukhuphe utshaba lwakho olona lubi kakhulu - uqobo lwakho - ngokungazithobeli iimvakalelo eziqhelekileyo nezonakalisa ukuhaha, ukwesaba, ukukhathazeka kunye ne-hubris.
Umcebisi-mali okanye umcwangcisi wezemali unokucinga ngemali yakho ngeemvakalelo ezincinci okanye akukho nto kodwa unako ukukwazi ukwahlula ezo zibini, ubuncinane ukuba uyinto evamile.
Cinga ngexabiso loMcebisi
Ubungcali nolwazi luba ngaphantsi kwesigwebo esihle. Abanye abacebisi-mali kunye nabacwangcisi bezemali banokungathi banokuchaphazeleka ukuvakalelwa kunye nokugwetywa kakubi njengoko umyinge wenzayo. Nangona kunjalo, umcebisi olungileyo uya kujonga ngemali yakho ngokufanelekileyo kwaye uncede ukubeka imephu yendlela elandelayo ukuze ufikelele kwiinjongo zemali zakho zexesha elizayo xa uhlala ubomi bakho ngoku. Kungakanani oku kulungele kuwe? Mhlawumbi nokuba nolwazi lwakho lolwazi kunye nolwazi lwemicimbi yezemali lukhulu kunabo bacebisi abaninzi bezezimali kodwa ubunjani bokubaluleka kobomi kwisigqibo sakho?
Fumana uMcebisi oLungileyo
Kwakhona, nokuba uyazenza okanye usebenzise ingcali, ukhetha umcebisi. Umbuzo uphepha apha: Ngaba ndifuna ukuziqesha okanye ndifuna ukuqesha umntu? Ukuba uqesha omnye umntu, ufuna ukufumana umntu osebenza phantsi kwesakhiwo esikhuthaza ezo zinto ezintle (ukuthobeka, ukunyaniseka, ukulula, ukulungelelanisa nokuchithwa) okukhankanywe ngaphambili. Oku kuphelisa abacebisi abaninzi abahlawulwa kuphela ngamakhomishini kunye / okanye abo bavuselelwa yimveliso abayithengisayo. Ngamanye amagama, awudingi umthengisi - ufuna umcebisi ongakhethiweyo ongekho mntu ngaphandle kwakho.
Khawuqwalasele oko i -Wall Street Journal ekuthethwe ngayo kwinqaku, Indlela yokwakha iQela lakho lePhupha lezeMali:
Abantu abathengisa i-inshurensi, abathwali bee-stockbrokers, i-akhawunti kunye nabameli bangase bazibize bona ngabacebisi ngezezimali, kodwa iimfuno zakho ezizodwa zingahle zingabi phantsi kweendawo zabo zobuchule ...
Ziziphi izinto ezibalulekileyo ezibalulekileyo? Abacwangcisi bezemali abaqinisekisiweyo, abahlalutyi bemali abachongiweyo kunye nabagcini-zimali babantu abaqinisekisileyo baye bagqiba umsebenzi omkhulu wekhosi kwaye baphumelela iiyure ezininzi zeemviwo. Ezi zikhundla zifuna amava omsebenzi kunye nemfundo eqhubekayo rhoqo ngonyaka.
Ukongeza kokubeka izinto zakho kuqala, abo abaneembopheleleko zokunyanzela kufuneka baxelele nayiphi na ingxabano enomdla onokuchaphazela izigqibo zabo kwaye bakuxelele nayiphi na imali, iikomishini okanye ezinye izinto ezinokuchaphazela izigqibo abazenzayo egameni lakho. Ukuba umcwangcisi wakho akayiyo inkohliso, cela ukuba yeyiphi iikhomishini okanye iimali eziza kufumaneka nakwephi na utyalo-mali owenzayo.
Umdala omdala, "Umntu oyedwa onokumthembayo nguwe," ubulumko. Nangona kunjalo, ukukhetha umcebisi kuyinto onokuyenza kuphela. Ngoko ke, ukuba uthembela wena, unokukhetha umcebisi ngokwakho, nokuba ngaba umcebisi wena okanye omnye umntu.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.