Abaninzi abacebisi baPhakamisa phakathi kwe-15% kunye ne-25%
Ngokwengxenye, impendulo iya kuxhomekeka kwisondlo sakho somngcipheko kunye nobude bexesha lakho lokutshala imali. Nangona kungekho "mpendulo" kumntu wonke, kukho izikhokelo ezimbalwa ezinokukunceda ukukhokela isigqibo sakho, ezibalulekileyo ukucinga ngazo.
Kule nqaku, siza kujonga ezinye izinto ezibalulekileyo xa sicinga ukuba ukuvezwa kwamanye amazwe kulungile kangakanani kwiphothifoliyo yakho.
Slicing Up Pie
Enye indlela yokuqala kukujonga ubukhulu beemasheke zesitokisi sase - United States ngokubhekiselele kulo lonke ihlabathi. Umfanekiso wesatifiketi sepayiti zonke zeemarike ezithengiweyo kwihlabathi, kunye necandelo ngalinye elimele imarike ye-stock. Eyona nkulu imarike nganye, inkulu yayo ityeyi ye-pie.
Iingxelo ze-US malunga nenye yesihlanu kwixabiso lemarike ye-stock market. Ngoko ukuba ufuna ukwahlula iphothifoliyo yakho ngendlela efanayo ne-pie yethu yokucinga, uza kutyhala imali yesiqingatha semali yakho kwiimali ze-US, kunye nesiqingatha kwiimarike zangaphandle.
Ngokwenza oko, nangona kunjalo, isabelo sama-80% kwii- stocks zamazwe ngamazwe mhlawumbi zinamandla kunabo batyali-mali, ngakumbi abo abatsha ukutshala imali kwehlabathi. Kungenxa yokuba iimarike zamazwe ngamazwe zihlala zibonisa ukungabi nantliziyo enkulu kune-US, nto leyo ingabangela ukuba baphumelele ngeendlela ezithile.
Kodwa ungabi neentloni. Ukuba uthetha imali encinci kuphela - uthetha u-5% okanye u-10% ngaphesheya kwexesha, awuyi kukwazi ukufumana inzuzo epheleleyo kwiimarike zamazwe ngamazwe ukuba zinikeze, kubandakanye ukukwazi ukudibanisa naluphi ukuhla kwekhaya.
I-20% Solution
Nje ngezinto ezininzi, inyaniso ikhona kwindawo ephakathi.
Abacebisi abaninzi bezezimali batusa ukubeka uluhlu lwe-15% ukuya kwi-25% yemali yakho kwiimpahla ezivela ngaphandle. Ndicinga ukuba i-20% yindawo efanelekileyo yokuqala. Kunentsingiselo ngokwaneleyo yokwenza umehluko kwipotfoliyo yakho, kodwa kungabi nakunzima ukukulimaza ukuba iimarike zangaphandle zingaphantsi kancinci. Ngaphandle koko, unako ukuhlala ulungelelanisa ukuhamba kwakho njengoko ukhululekile ngakumbi kwiimarike zamazwe ngamazwe.
Ngelixa ulwabiwo oluchanekileyo kwisitokhwe sangaphandle luyahlukahluka kumnye-mali-mali ukuya kwelinye, into eyona nto engayenzayo iyayifaka phakathi kokuba nokukhululeka okukhulu kwaye akwanele. Ngoko ke xa uhleli kwiqela elithatha inqanaba lakho lokuthuthuzela, gcina kuyo. Musa ukwenza iphutha lokuzama ukuphuma ngaphandle kweemarike ngokungena ngaphakathi nangaphandle kwamasheya angaphandle.
Enye into yokugqibela: kubalulekile ukuqinisekisa ukuba utyalo-mali lwamazwe ngamazwe lusasazeka kwiindawo ezahlukeneyo nakwamanye amazwe. Ukubeka i-25% yemali yakho kuthi, iChina , kunye nabanye abaseDow Jones , akuyiyo nayiphi indlela eyahlukeneyo yehlabathi jikelele. Qinisekisa ukuba unobungakanani obuchanekileyo phakathi kweYurophu, e-Asia nakwiimarike ezikhulayo .
Iindlela zokuSusa
Kukho iindlela ezininzi ezahlukileyo zokusasaza i-investments yakho yamazwe ngamazwe kumazwe amaninzi. Amaxesha amaninzi, iimali zokuthengiselana ngemali (ETFs) kunye neengxowa-mali zomhlaba jikelele zizindlela ezilula, kuba azibandakanyi ukuthenga amasheya okanye ukusebenzisa ii-akhawunti zangaphandle zemali.
I-Vanguard ye-FTSE Yonke-i-World Ex-US ETF (i-NYSE: i-VEU) yenye yezona zikhetho ezithandwa kakhulu kunye nezona ziphantsi kunazo zonke ngokubamba umhlaba jikelele. Xa ukhetha imali efana nale, abatyali-mali kufuneka baqinisekise ukuba abayithengi ngokuthe kratya kwiimakethe zase-US, ekubeni sele sele zakha ukutyhila kwezinye iipotfoliyo zabo. Unamathela kwiimali "zangaphambili ze-US" ukwenza njalo.
Abatyalomali kufuneka bahlale bejonge ukulinganiswa kweendleko xa bekhetha le mali, kuba ezi ndleko ziyindlela elula ukulawula xa kuvela ekuveleni ukubuyisa. Izindleko ezincinci ezinokubonakala zingancinci ukuya kumawaka ezigidi zeedola okanye ngaphezulu kwexesha lokutyalomali.
Amaphuzu athathweyo
- Ukuthenga izitokhwe zangaphandle yindlela enhle yokwahlula iiphothifoliyo.
- Ii-ETF zehlabathi ngamazwe okanye iimali ezihlangeneyo ziyona ndlela elula yokufumana.
- Uninzi lwabacebisi bancoma u-15% ukuya kwi-25% ukubonakaliswa kwezi marike.
- Inani elichanekileyo lokuchasana lixhomekeke kwisimo ngasinye somntu-mali.