Indlela ekholelwa rhoqo ekuqinisekiseni ukubuyiselwa kwemali ephezulu kwi-portfolio yakho
Kukho i-hitoff hitter okhawulezayo onokubamba iziseko; inkulu enkulu, inamandla ekhayeni elixhatshazayo, umxube odibeneyo odibana nomlinganiselo ophezulu; mhlawumbi ukubetha buthathaka kodwa okulungileyo ukukhusela okufutshane.
Awuyi kufumana ama-hit hitters ayisithoba okanye i-nine base-steels base-speed okanye i-9 yoluphi uhlobo lomdlali.
Abaphathi abafanelekileyo bayazi ukuba badinga ukudibanisa imizila yabo yokuphumelela imidlalo yebhola.
Njengoko umphathi wepotfoliyo yakho, nawe kufuneka uqonde ukubaluleka kokungafani . Kanye njengoko kuya kubakho iintsuku apho umoya uphuphuma khona, kwaye abo baqhubi bekhaya baphumelela, kuya kuba namaxesha apho ezinye zezinto zakho zokubamba ziza kulahlekelwa yimali. Xa kwenzeka oko, udinga ezinye iimali-mali ukucima ukwehla.
Ukuchithwa kubalulekile kubo bonke abatyali-mali. Yinto into yokuba abatyala-mali abanoxanduva kuluntu ngokukodwa kufuneka baqaphele kuba indalo yabo yokutsalwa kwezinto zokutshala imali incinci kunabalimi bendabuko. Xa udala i-portfolio ye-SRI, kubalulekile ukuba uqiniseke ukuba izinto ezingaphakathi kuzo azidibananga kuphela neengxaki zakho zentlalo okanye ezendalo, kodwa ukuba aziyi kubangela ingozi engafunekiyo kwi-capital yakho ngokutyalwa ngenye indlela.
Ulwabiwo lweeAfa
Inye yeendlela ezahlukeneyo yokwabiwa kwempahla.
Ukuba neenkalo zeeklasi zokutyalomali ezahlukileyo kwiipotifoliyo zakho - kuquka iitoksi, iibhonksi, imali, i-estate, igolide okanye ezinye izinto eziphathekayo-unokukhusela iphothifoliyo yakho ekulahlekelweni kwexabiso elinokwenzeka ukuba liqulethe kuphela uhlobo oluthile lwexabiso lomhlaba.
Xa amaxabiso esitokisi awela, umzekelo, iintengo zamabhondi zivame ukunyuka ngenxa yokuba abatyali-mali bathatha imali yabo kwizinto ezithathwa njengotyalo-mali obuncipheko.
Ngoko iphothifoliyo ebandakanya izitokhwe kunye nezibophelelo eza kwenzayo ngokwahlukileyo kunokuba zibandakanya izitokethi ngexesha lokuwa kweemakethe.
Kukwabulumko ukudibanisa kwiiklasi ze-asethi. Abatyalomali abathwele i-tech stocks ngo-2000 balahlekelwa iikhati zabo xa i-dot.com bubble iqhuma, kunye ne-teknoloji yabelana ngokukhawuleza. Ngokufanayo, izitokethi zemali zahlonywa ngasekupheleni konyaka ka-2007 nakwiminyaka yokuqala ka-2008 ngenxa yentlekele yokubambisa imali.
Kwaye ukuba kubonakala kunengozi ukubeka yonke into okanye ubuninzi bemali yakho kwicandelo elilodwa, kuya kubakho ukwenza okufanayo kwisitokethi esisodwa. Yilokho abatshali-mali abaninzi abenza ngasekupheleni kweminyaka yama-1990, ngokuqhelekileyo njengabasebenzi beenkampani zetekisi abaye bavumela ukuba amalungelo abo abe yimpembelelo enkulu kwimpahla yabo yomqeshi. Lezi zikhundla ezifakwe kwiimpahla ezifakwe kwiimpahla zixhomekeke kwizikhundla ze-flagpole ezingama-1930-eziphakamileyo zinyuka emoyeni zinexesha elide, elincinci lenkxaso. NgoDisemba wama-2000 ama-Amazon ayethengisa ngaphezu kwama-100. NgoSeptemba olandelayo, bewele phantsi kwe-$ 6. Kwaye kwada kwada ngoDisemba ka-2007 ukuba uye wenyuka waya kwii-90 zamaRandi.
Ngoko ke amanyathelo amabini okuya kwiindawo ezahlukeneyo ukusabalalisa imali phakathi kweentlobo zeefa ezahlukeneyo, ngoko ke ubeke ezinye ezo mali kwiqela ngalinye.
Indlela ehlakaniphile yabatyalo-mali ngabanye kukuhlukana kokusebenzisa imali. Ngenxa yokuba iimali zentengiso ziyiqela lama-stocks, uya kuba nohlukahlukileyo kwinqanaba elithile ngencazelo.
Ndiyaqalisa
Kodwa kufuneka uhambe isinyathelo esinye ngokuqhubekayo ngokuthenga iintlobo ezahlukeneyo zemali. Abacebisi abaninzi bancomela ekuqaleni kwenkxaso-mali ebonakalayo ebanzi ezama nje ukubonakalisa ukusebenza kwe-S & P 500. Emva koko unako ukuzalisekisa loo ngxowa-mali yenkcazo ngengxowa ethenga amasheya kwiinkampani zaphesheya; eliqukethe izabelo zeenkampani ezincinci zokukhula; umntu ofaka iibhondi kunye nomnye othenga amasheya kwii-real estate investment trusts (REITs).
Kwiiwebhusayithi ezifana ne-Morningstar, i-SmartMoney, kunye ne-street.com, unokufumana uhlalutyo kunye nolwazi malunga nemali-mali ukuze uqalise. Khumbula ukuqaphela iifizi kunye neendleko xa uthelekisa imali.
Khumbula, amaqela amahle ebhola lebhola lebhola aphumelelayo kwaye aphumelele imidlalo kwiindlela ezininzi. Ngokwahlula iphothifoliyo yakho, uya kuzinikela ithuba lokukhulisa imali yakho nangona ups and downs eziza ngokutyalomali.