Sebenzisa zonke iiCandelo lee-Asset ezine ukwakha iPortfolio yakho

Ukusebenzisa zonke iiklasi ze-asethi zenza ibhalansi

Usenokuba ulivile igama elithi "i-asset class" ephoswe malunga namajelo okanye xa uthetha nabanye abatyala-mali, kwaye ukuba untsha kumdlalo, mhlawumbi uzibuza ukuba kuthetha ukuthini. Ngokukodwa, ichaphazela njani iimpawu zakho zokwenza okanye ukulahlekelwa yimali?

Ngokwemigangatho elula, i-securities iyaxubana kunye nabanye ababelana ngeempawu ezifanayo kwaye le yigaba yexabiso. Ezi ziqinisekiso ziyakwazi ukuphendula ngendlela efana nefuthe kwiimarike, kwaye zilawulwa ngokufanayo okanye ngendlela efanayo.

Abaqeqeshi bezezimali ngokubanzi bayavuma ukuba kukho iindidi ezine ezibanzi zeempahla, nangona amabango amaninzi aphela amathathu kwaye abanye bacinga ukuba baninzi abahlanu. Kungakhathaliseki ukuba inani, ukuba iphothifoliyo yakho ibandakanya utyalo-mali olusasazeka kuzo zonke iiklasi, kuthathwa njengolinganiselayo. Ukulingana kuhle. Ukuba iphothifoliyo yakho inzima kakhulu kwicandelo elinye kunye namacandelo ekarhulumente ngesizathu esithile, unengxaki. Kodwa ukuba iphothifoliyo yakho isasazeka ngokulinganayo kwaye enye yeklasi ye-asethi ihlangabezana nobunzima, kufuneka ubenokuthi abanye banokwenza ngokwaneleyo ukukhupha kwiinkathazo.

IiKlasi ezine zeeAfa

Iiklasi ezine zeempahla ziqatshelwa ukuba zi:

• Amasheya okanye amaxabiso
• Imali engenayo okanye iimbophelelo
• Imarike yemali okanye ukulingana kwemali
• Impahla okanye ezinye izinto ezibonakalayo

Ezi yiyo okufuneka ukuba ube khona ukuze wakhe iphothifoliyo. Unokuthi uqaphele ukuba zonke izitokethi zihlanganiswa kunye nangona iifowuni zomntu ngamnye-okanye iimali eziphathekayo kulo mbandela-ziyakwazi ukuhluke.

Umzekelo, isitokethi esincinci esincinane asiyi kusebenza ngendlela efanayo neGeneral Electric. \

Ngoko kutheni bahlelwe ndawonye? Ngenxa yokuba, njengeqela, bazakwenza ngokufanayo kunokuhlukileyo. Baza kuphendula ngokungafaniyo nawaphi na kwezinye iiklasi ezintathu, kwaye into efanayo yinyani nakwezinye iiklasi ezintathu.

Kutheni Ixhala?

Ewe, kunokubonakala ngathi kufana neenwele eziqhekezayo, kodwa injongo yokuba neeklasi zonke zeempahla ezimelelwe kwipotfoliyo yakho ayikuthintela kuphela ukukhusela iintlekele zentengo kodwa ukuxhamla amandla ahlukeneyo kwiklasi nganye. Inkolelo yonke yesabelo sempahla isekelwe ekudibaniseni iphothifoliyo yakho ngeklasi ye-asethi. Ngokomzekelo, abaninzi abantu basebenzisa amatyala okutshala imali kunye neyezinye iimali-mali ezongezelelweyo ukwenzela ukuwanelisa umlenze we-estate we-asethi yeklasi ye-asethi.

Isiphelo

Iphothifoliyo equlethe ikhesi enye okanye ezimbini zee-asethi ayinayo idibanisi kwaye ayikwazi ukulungele ukuzisebenzisela zonke izinto ezithengiswayo kwiimakethi zingakuphonsa. Kodwa ulwahlulo-okanye ubuncinane umlinganiselo ozahlukana nawo-sisigqibo ngasinye esisekelwe kwinqanaba leenjongo zakho kunye nokunyamezela kwakho umngcipheko.

Ukuba unomngcipheko-mngcipheko , unokufuna ukudibanisa ngakumbi okanye uqinisekise ukuba uqhubekile phakathi kweklasi nganye, uvumela ukungqubana kweengxaki ezincinci kule nkalo. Ukuba unemisipha yensimbi kwaye unenhlanhla ngokwaneleyo ukuba ube nemali yokutshisa, ungeke ufune ukuthembela kwizinto ezahlukeneyo kodwa uhamba ngeendlela zokuthengisa.

Qaphela: Njalo qhagamshelana neengcali zezezimali malunga nolwazi oluphezulu kunye nolunye uhlobo. Eli nqaku alikho icebo lotyalo-mali kwaye alujoliswanga njengengcebiso-mali.