Amanqanaba okubuyisana ayenziwe lula kwiiMali eziManyeneyo
Nantsi into oyaziyo malunga nokubalanisa ngokwakho iipotifoliyo zeemali ezihlangeneyo.
I-Portfolio ye-Mutual Fund: Inkcazo yokungalingani
Xa ekugqibeleni ugqiba ukwakha iipotfoliyo yakho yemali-mali, uya kusadingeka wenze olunye ulondolozo ngexesha, nangona uthe uthenge kwaye ubambe utyalo-zimali .
Ukubuyiselwa kwemali kwipotifoliyo yezixa-mali zomntu kuphela ngumsebenzi wokubuyisela ukunikezelwa kwezinto ezikhoyo ngokutsha kwizabelo zokutsalwa kwezolimo. Ngako oko ukuhlaziywa kwemali kuya kufuna ukuthenga kunye / okanye ukuthengisa izabelo zabanye okanye zonke iimali zakho zokubambisana ukuze uhlawule ipesenteji ezabiwe emva. Ngamazwi ahlukeneyo, ukuhlaziywa kwemali kubalulekile kwimiba yesondlo yokwakha iphothifoliyo yeemali eziphathekayo , njengokuba utshintsho lweoli okanye ukulungelelanisa kukugcinwa kweso sithuthi sakho.
Ingcamango yokuphindaphinda ilula kodwa ixesha kunye nexesha lokuphindaphinda liyakongeza isicwangciso esithile kwinkqubo. Enyanisweni, abatyali-mali abaninzi benza ukubethelelana kunzima kunokuba kudingeke ukuba. Abacwangcisi bemali kunye nabaphathi bemali bahlala bexubusha malunga nokuba kaninzi kangakanani umtyalo-mali kufuneka ahlukane. Ngaba kufuneka kube njalo ngenyanga, ngekota, ngonyaka okanye into ehlukile?
Ulwabiwo lweeAset - Umthetho wokulinganisela
Ngaphambi kokuba ucinge ngokuphindaphinda, ungafuna ukuphinda uhlalutye .
Ukulinganisela kwipotfothifoliyo yokutshala imali iqulethe ukwabiwa kweefa kunye neentlobo zotyalo-mali. Ngokomzekelo, umtyalo-mali angaqala ngokunikezwa kwee-asethi ezingama-80% kunye nezibophelelo ezingama-20%. Kulo lwabiwo mali, umtyalo-mali unokuba nemali e-5 yomhlala-mali, njengemali e-4 yemali kwi-20% yesabelo ngasinye kunye ne-one bond bond kwi-20%.
Ulwabiwo lweefa okanye ibhalansi yinto esekelwe ekunyamezelweni komngcipheko kunye nenjongo yokutyalomali (oko kukuthi isizathu sokutshala imali, ixesha lokutyalomali).
Kutheni Ufanele Uhlukane nePoltolio Yakho?
Isizathu sokuba abatyali-mali balinganise iiphothifoliyo zabo kwindawo yokuqala kubalulekile ukuqonda. Ngokuqhelekileyo iimali ezithile kunye kunye neentlobo zeengxowa-mali ziyakwenza ngcono kunezinye kwixesha elithile. Ngokomzekelo, ngaphezu konyaka owodwa, cinga ukuba imali yakho yesitokhwe yenza kakuhle kakhulu kodwa imali yakho yeebhondi yenza kakuhle. Ukuba isabelo sakho sokuqala sasingama-80% esitokisini kunye nezibophelelo ezingama-20%, isabelo sakho sokuphela konyaka sinokuthi sibe ngama-90% esitokisini kunye no-10%. Usuke ulungelelanise kwaye le ntsha, ulwabiwo olunamandla luyakubonisa ukuba ungengozini engafunekiyo. Ngokwahlukileyo, ukuba imasango emnyango engabikho kakuhle kunye neebhondi zenza kakuhle, unyaka ozayo unokuba uthatha inqanaba eliphantsi lomngcipheko kwaye ungaphoswa kwi-market market.
Njani kunye Nini: Ixesha elifanelekileyo lokungalingani kweeMali eziManyeneyo
Ukungalingani, uyenzela uqeqesho olufanelekileyo ukuba ubuyisele imali yakho yokubambisana ekujoliswe kuzo. Ngokomzekelo, ukubuyela kumzekelo wethu wesixokelelwano se-fund, 5 uza kuthengisa kwaye uthengise izabelo zeemali ezifanelekileyo ukubuyela kwisabelo-mali sokuqala se-20%.
Ngokwemvelo, uya kuthengisa izabelo zeemali ezenzileyo ngexesha lonyaka ukuze zibuyisele phantsi kuma-20% kwaye zithenge izabelo zemali ezenzileyo ukuze ubenokuzibuyisela kuma-20%. Emva koko uthengise ngempumelelo abaphumeleleyo kwaye uthenge abalahlekileyo-isicwangciso sotyalo-mali.
Kodwa maxa wambi kangakanani umtyalo-mali kufuneka ahlawule iphothifoliyo yakhe? Akunqabile ukuba ukunyuka okukhulu kwiimarike zezemali kuza kwenza iphothifoliyo yakho yeemali eziphathekayo ziguqule ngokuphawulekayo iinguqu zakho zokwabiwa kwangaphambili. Ukuba ukwabela i-20% kwenye i-fund ethile, ayisoloko idlulisa amanqaku angaphezu kwama-3 okanye ama-4 eepesenti ngaphaya kolo lwabiwo kunyaka ngamnye. Kwakhona, kukho iindleko zorhwebo ezinxulumene nokuthenga kunye nokuthengisa imali. Ngoko ukuphindaphinda ngokuphindaphindiweyo kunokunciphisa imiphumo emihle yokwenza oko.
Kanye ngonyaka ngethuba elaneleyo lokuphindana ngokulandelelana kweepoteliyo. Abantu abaninzi bakwenza oko ekupheleni konyaka xa ezinye iindlela zokugqibela zonyaka, ezifana nokulahleka kweerhafu , zizilumko ukuziqwalasela. Ungakhetha kwakhona umhla okhunjulwayo, njengesikhumbuzo okanye usuku lokuzalwa. Kwakhona, phambi kokuba ungalingani, qiniseka ukuba iinjongo zakho zezimali kunye neenjongo zokutyalomali azitshintshi ngendlela efunekayo ukuba utshintshe ukwabiwa kweefa .
Ityala lokungabali ngokulinganisela iipotifoliyo yakho .