Indlela Yokukhusela Imali Yakho Yotyalo-mali
Nangona ungekho ixesha lokuthengisa, unokuphucula imbuyekezo yakho ngokukwazi ukuba sikuphi umjikelezo wezoshishino. Unokwenza uhlengahlengiso lwakho lweefa lokusebenzisa iinqanaba.
Umjikelo wezoshishino unamanyathelo amane alandelayo:
- Ukwandiswa . Uqoqosho lukhula luphilileyo lwepesenti 2-3 . Amasheya angena kwimarike yenkomo .
- I Peak. Uqoqosho lukhula ngaphezu kwama-3 ekhulwini. Ixabiso lentengo lithumela amaxabiso phezulu. Kukho iibhola zomhlaba. Imarike yemasheya isesimweni " sokunganeliseki ." Intloko zentetho zivakalisa ukuba "sisisigxina esitsha." Ababhali bayashicilela iincwadi ezinesihloko esithi "Dow 30,000."
- Uluhlu . Uphuhliso loqoqosho luyehlisa kodwa alubi. Amasheya angena kwimakethe yeebhere .
- Ukuphumelela. Izivumelwano zoqoqosho. Oku kubonisa ukunyuka kwemali . Iingcali zoqoqosho ziqikelela ukuba ziya kuqhubeka iminyaka.
Ukususela ngoJuni ka-2017, uqoqosho lukwisigaba sokwandisa. Kususela ngoJuni 2009. Yiyo eyisibhozo iminyaka. Ngokomlando, izigaba zokwandisa zidlulileyo iminyaka emihlanu okanye kunjalo.
Akulona ngqophiso kuba akukho mali ekhoyo. Esi sibonakaliso sesilumkiso esiqhelekileyo sokuba ukwandiswa kuya ngasekupheleni.
Endaweni yokunyuka kwamaxabiso, kukho iibhola ze-aseset . Oku kutshanje kuye kwidola le-US.
Yabona Kutheni i-Dollar iqina kangaka ngoku? Kwakukho umbhobho wempahla kwixabiso lezindlu ngaphambi kokunciphisa umnotho we-2008. Ngamanye amaxesha ukunyaniseka okungaqhelekanga kwintlanzi kwenzeka kwixabiso lempahla ngaphandle kokuvelisa ukunyuka kwamaxabiso ngokubanzi.
Kufuneka uqhagamshelane nomcwangcisi wezemali oqinisekisiweyo ukufumana iimali ezithile okanye iimpahla.
Kodwa kukho izikhokelo ezifunyenweyo ngokuqhelekileyo ezilindele ukukwenza ngcono kwisigaba ngasinye somjikelo woshishino:
Uluhlu . Hlala uqinile. Ukuba awuzange uthengise amasheya ngethuba lezontrakthi zoqoqosho, mhlawumbi sele liphuzile. Unokuhambisa ezinye iimpahla kwiibhonkco okanye ngemali, kodwa gcina ezinye kwiisitokisi. Ufuna ukubamba isaphulelo xa kwenzeka. Uninzi lwabatyalo-mali bathengisa izitokisi xa ukubethelwa sele kusele kakuhle kwaye ungabathengi kude kube sekwephuzile. Iimakethe zempahla okanye iethenda zihlala zihlala kwiinyanga ezintandathu ukuya kwezilishumi elinesibhozo.
Ukuphumelela. Qala ukongeza izitokethi kunye neempahla ezifana negolide, ioli kunye neyendawo yokuhlala. Zifanele zibe zingabizi ngexesha loqoqosho.
Ukwandiswa. Kwizigaba zokuqala zokwandiswa, amasheya amancinci amancinci akhula ngokukhawuleza. Kungenxa yokuba iinkampani ezincinci zixhamla ngokwaneleyo ukuba zisebenzise inzuzo yokuthengiswa kwemarike. Unokufumana inzuzo eyongezelelweyo kunye nezibophelelo eziphezulu. Yongeza izitokhwe kunye nezibhonkco ezivela kwiimarike eziphuhlisiweyo nakwamanye amazwe. Bakhela idoli eyanciphayo . Iimarike ezikhulayo zikhula ngokukhawuleza kwiinqanaba zokuqala. Ngokomzekelo, iibhanki zaseBrazil azizange zithengise iimali eziphantsi kwemali. Uqoqosho lwayo lwalukhula xa uqoqosho lwase-United States ludlulele. Iimarike eziphazamisayo zingozi, kodwa njengoko uqoqosho lwehlabathi luphucula, loo mngcipheko uyakufaneleka.
Kamva ukwandiswa, yongeza i-cap-cap kunye ne - stock cap- stocks. Iinkampani ezinkulu zenza ngcono kwiinqanaba zokugqibela.
I Peak. Thengisa ama-stocks, iimpahla kunye nezibopho ezingenayo i-junk. Ukwandisa inani lemali kunye neengeniso ezingenayo. Ikhuselekileyo yi-US Treasury bonds, izibophelelo zokulondolozwa kunye nezibophezelo zikamasipala . Xa ixabiso lentengo liphezulu, zithenga iimali zesikhashana-mali kunye neemali zemarike zemali . Njengamaxabiso omhlaba awela, ukutshintshela kwiibhondi zenkampani kunika ukubuyela okuphezulu kunye nobungozi obukhulu. Yongeza igolide kuze kube malunga neepesenti ezili-10 zepottoliyo yakho. Yinqaba elungileyo ngokumelene nokunyuka kwamaxabiso. Kwakhona kuyona nto ikhuselekileyo ngexesha lokukhwabanisa kwemarike . Kungenxa yokuba amaxabiso egolide aphakama iintsuku eziyi-15 emva kokuphazamiseka. Ngaphezulu, jonga Kutheni Utyalole kwiGolide?
Njengoko unokucinga, kunzima ukuthengisa izitokisi xa bonke abantu beqhayisa malunga nokuba bangakanani.
Yingakho ixesha leemarike lingenakwenzeka. Kunoko, yiba nolondolozo. Ungaze ube neepesenti eziyi-100 zotyalo-mali lwakho kunoma yiphina iklasi ye-asethi.
Kunoko, qiniseka ukuba utyalo-mali lwakho luyahluka . Kancinci ukutshintsha inani ukuba uhlale uhambelana nomjikelezo wezoshishino. Soloko usebenza nomcwangcisi wezemali ukuqinisekisa ukuba ulwabiwo luhambelana neenjongo zakho.