Ngezantsi Nxamnye noTshintsho oluphezulu lokuTyala: Yiyiphi indlela efanelekileyo kakhulu?

Ukukhangela kwiiNkcazo ezimbini zoHlolo oluPhambili

Kukho iindlela ezahlukeneyo zokufumana amathuba okutyalomali. Kwinqanaba eliphakamileyo, abathengisi bexesha elifutshane bahlala besetyenziselwa uhlalutyo lobugcisa ukuze bafumane amathuba obalo kunye nabatyalomali bexesha elide basoloko basebenzisa uhlalutyo oluphambili lokufumana iinkampani ezingabonakaliyo. Kukho ezininzi iissetyenzisiweyo zohlalutyo lobugcisa kunye nolwazi oluphambili, njengokusebenzisa iipateni zetshathi okanye izikhombisi xa usebenzisa uhlalutyo lobugcisa okanye uthatha umgangatho ophantsi okanye ophezulu ukuhlalutya.

Yintoni ekuTyala imali ephezulu?

Abatyalomali abasebenzisa indlela ephezulu yokutyalo-mali baqala uhlalutyo lwabo ngokujonga izinto ezinzulu ngaphambi kokuba basebenzise indlela yabo ukuya kwisitokethi ngasinye.

Ngokomzekelo, utyalo-mali ophezulu angase aqale uhlalutyo lwawo ngokujonga ukuba yeyiphi ihlabathi elinomnotho okhula ngokukhawuleza. Emva koko, banokubheka kumacandelo amacandelo abo ngaphakathi kwezoqoqosho ukuze bafumane amathuba angcono. Ekugqibeleni, baya kujonga iinkampani ngabanye kula macandelo athile ngaphambi kokuba benze isigqibo sotyalo-mali. Umtyalo-mali unokujonga kwakhona kwezinye izinto ze-macroeconomic ngokunjalo, njengemijikelezo yoqoqosho okanye ishishini.

Abanini-mali abaninzi abaphezulu be-investors bajolise ekugxininiseni kwimimandla emikhulu usebenzisa i- exchange-exchangeed funds (ETFs) kunokuba ngabalingana ngabanye. Bavame ukuba nemali ephezulu ngaphezu kootyalo-mali-mali kubangelwa ukuba bajolise ngakumbi kwiimarike zeemarike kunamasheya.

Oku kuthetha ukuba iqhinga likhulu malunga nokukhula kunye nexesha elifutshane kunanoma yiluphi uhlobo lweendlela ezisisiseko zokufumana iinkampani ezingaxhaswanga.

Abatyalomali abaphezulu bafumana inzuzo kwiipotifoliyo ezahlukahlukeneyo zelifa kwilizwe , ilizwe , okanye kwicandelo elinikezelweyo kuba basebenzise imali yokukhutshwa.

Inkcazo ephambili kukuba abalawuli abancinci malunga nokuqulunqwa kwazo kwepottoliyo zabo ngaphandle kokuba batyale imali yamashishini ngamnye okanye amabhondi. Iiphothifoliyo zabo zinokuba neengozi zokugxininisa ukuba zijolise kumazwe athile okanye kumacandelo kunokuba zidibanise .

Yintoni ephantsi-mali?

Abatyalomali basebenzise indlela ephantsi-qalisa uhlalutyo lwabo ngokujonga iinkampani ezizimeleyo kwaye ke ukwakha iphothifoliyo ngokusekelwe kwiimpawu zabo ezithile.

Ngokomzekelo, umtyalo-mali ongaphantsi-mali unokukhenkcelela i-stocks ukuthengiswa ngomlinganiselo ophantsi wexabiso (P / E) uze uhlolisise iinkampani ezihlangabezana nale ndlela ekhethekileyo. Emva koko, baya kuthatha ingqalelo ejulile kwinkampani nganye eya kwi-screener kwaye ivavanye ngokubhekiselele kwezinye iindlela eziphambili. Umtyalo-mali unokuxhomekeka kwizinto zangaphandle, ezifana nokufunda iingxelo zophando zabahlalutyi kunye neengcamango zengqiqo eyongeziweyo.

Uninzi lwabatyalomali abasemgangathweni basomali-mali be-microeconomic ezijolise kwiimpawu ezithile zeenkampani xa bezakhele iiphothifoliyo zabo. Bavame ukuba bathengi-kunye nabanini-zimali ukususela ekubeni batyala ixesha elininzi bephanda izitokisiso ngabanye kunokuba imimandla ejikeleze ezi zi-stocks. Oku kuthetha ukuba utyalo-mali lwabo luza kuthatha ixesha elide lokudlala, kodwa lunokusebenza ngakumbi ekulawuleni umngcipheko kwaye ekugqibeleni lwandise ibuyiselo ezilungisiweyo .

Abatyalomali abasisiseko bazuza kwi-potifoliyo edlalwa ngokubanzi ngokwemigangatho yoshishino kunye nejografi kwaye bayazi ukuba zonke iicandelo zeepotfoliyo zabo zidibana neenjongo zabo zotyalo. Ukuphazamiseka kukuba iimpawu ezisisiseko abazihlolayo kufuneka zivelise ukubuyiswa kwemarike ngenhla ukuze ziphumelele. Ngokomzekelo, kunokwenzeka ukuba izilinganiso eziphantsi zeP / E kuphela aziyi kuphazamisa inkcazo ye-benchmark ye-S & P 500 ngaphezu kwexesha elide.

Iyiphi indlela ehamba phambili?

Akukho ndlela enye yokulungelelanisa bonke abatyali-mali kunye nesigqibo esiphakathi kwe-down-down okanye ukuhla-mali-mali esezantsi kunomdla wokukhetha. Kodwa, kubalulekile ukuba uqaphele ukuba ezi zintlobo zendlela yokutyalomali azihlanganisi.

Abatyalomali abaninzi badibanisa imali ephezulu kunye nokuhla-mali-phantsi xa kwakhiwa iphothifoliyo eyahlukeneyo.

Umzekelo, umtyalo-mali unokuqala ngeendlela eziphezulu kunye nokujonga ilizwe elinokubona ukukhula okukhawulezayo kunyaka ozayo okanye ezimbini. Baya kuthi bathathe indlela ephantsi kwelo lizwe ngokukhangela utyalo-mali oluthile, njengamashishini anemilinganiselo ephantsi yexabiso-mali okanye isivuno esiphezulu.

Isisitshixo sokuphumelela ngokusetyenziswa kwezi zixhobo kukuchonga imigaqo echanekileyo kwaye uyihlalutye kumxholo obanzi. Ngokomzekelo, ukuba ii-ratios-income earnings zixineke kwilizwe elithile, lingaba ngenxa yemeko enkulu yengozi ye-macroeconomic, njengokhetho oluzayo okanye ingxabano. Abatyalomali kufuneka baqwalasele ngokucophelela zonke ezi zinto xa benza izigqibo zokutyalomali ukuphepha ukwenza nayiphina impazamo eyimfuneko.