Ngethamsanqa, kukho iindlela eziqhelekileyo ongayithatha ukuze unciphise umonakalo ode kwixesha elide kwixesha lakho loxinzelelo lwezoqoqosho. Njengoko siyinkambiso yethu, thabatha indebe yekofi, uphepheze kule nxalenye, kwaye ujonge oko unokukwenza ukuze uzikhusele wena kunye nosapho lwakho.
Gxininisa kubathengi bokuThengiswa kweziThengi
Kungakhathaliseki ukuba izinto ezimbi zifumana njani, abantu baya kuqonda indlela yokutya, bathenge iphepha lokungasese, batshise amakhaya abo. Xa imali ibinqongophe, izinto kunye neenkonzo ezifana nalezi, ezibizwa ngokuba "izibhengezi zentengo" kunye "namandla", zihlala zikhupha iingeniso zeenkampani ezizivelisayo kwaye zithengise. Amashishini anjengeProter & Gamble, Clorox, kunye neColgate-Palmolive ayinakuzithengisa i-toothpaste encinane, i-cream cream, i-washing detergent, kunye ne-savings dish ngaphandle kokuba izinto zenzeke ngokwenene, zibi kakhulu. Ziyizona ziseko zamandla emali ngexesha leengxaki.
Ngokufanayo, "iindawo zokunethezeka ezithengekayo," njengoWilliam Wrigley, Coca-Cola, uPepsiCo, uHershey, kunye noHJ
I-Heinz ayinakuvakalelwa kukuba ayikho into embi kakhulu xa kuthelekiswa nakwiimarike ezibanzi kuba indoda okanye ibhinqa ayinakwenzeka ukuyeka umsoka wakhe emva kweCoke okanye ukutshintshela kwibhar . Enyanisweni, iimveliso ezifana neFolgers zinokuthi zibhetele kangcono njengoko abantu behlamba i-lattes $ 4 kunye ne-cappuccinos kodwa bafuna ukunamathela kumagama e-brand they know and trust.
Amanye amabhishini, afana neentengiso ze-pawn kunye neentlawulo zokuthenga iimali zentlawulo, mhlawumbi uya kuba nokunyuka okukhawulezayo kwintlawulo kunye nezoshishino, ngoko ke kunokwenzeka ukuba wenze i-earnings impumelelo xa ungenayo ikhwalithi yokuziphatha ngokuphathelele ezi zinto. Yiyo isigqibo oza kufuneka uyenzele yona.
Khangela Iinkampani ezinokuThuthukiswa okuKhuselekileyo okuKhuselekileyo
UJeremy Siegel, umbhali kunye noprofesa ohloniphekileyo (funda ukuba kutheni i-Boring ihlala ihlala inenzuzo ngakumbi ), ibonise ekuphenyweni kwayo ukuba izabelo zinganciphisa ixesha elikuthathayo ukuba uphinde ulahlekelwe yintlawulo-mali. Oku kungenxa yokuba izabelo ezithengiswayo ngexesha lokuphazamiseka kunye nokulungiswa kwemarike kuthengwa amashishini angaphantsi angaphezulu, okuza kuthi, ngokuzayo, avelise inzuzo ephakamileyo kakhulu xa imarike ikhula.
Ukongezelela, iifowuni zokwahlula zivame ukudala isitokethi sibe phantsi ngaphantsi kwee-equity dividend equity equities ngoba zibe "isivuno senkxaso". Khawucinge ukuba ubukele i-GPE Consulting Group yesigxina (iqumrhu eliqingqiweyo) kwi-$ 100 ngesabelo ngasinye. Izabelo zihlawula i-dividend ye-5 ye-5, ivumela u-5% (i-$ 5 i-dividend yemali eyahlula i-$ 100 ngexabiso lentengo = 0.05, okanye i-5.00%), ngoxa i-United States Iimali zihlawula i-4.65%. Ithemba elizayo libukeka lihloniphekile; ayinomdla okwenkqisayo, kodwa ulungile njengokuba unokulindela.
Ngoku, khawucinge ukuba kukho enye inkampani, uMlambo iRock Chocolate kunye neClac Cream (enye inkampani eyingqiqo) kunye ne-100% ngexabiso lentengo kunye negalelo lekheshi.
Ngoku, mzuzwana umzekelo oku kulandelayo: Imarike yemasheya iphahlazeka. Abatyalomali batya, beyala ukuba i- 401k iceba ukulahla imali yemali yokubambisana, ukunyanzelisa abaphathi bezemali ukuba baphule ama-stocks abo bayaziyo. Ekuqaleni, iqela le-GPE Consulting kunye ne-Rock Rock Chocolate kunye ne-Ice Cream ukuhlaselwa kwi-60 yenxenye nganye. I-GPE ngoku ivelise isivuno sakwa-8.33% ngelixa uMlambo uMlambo uqhubeka nomgaqo-nkqubo wokungahlawulwanga. Ukuba ngaba umphathi wezikhwama zombini kufuneka athengise ezinye izabelo, ucinga ukuba uya kukhetha bani? Ndiyakwazi ukuqikelela ukuba ukuba iifembelelo zeefemu zilingana, isahlulo sokuhlawula isahlulo senza ijikelezo elilandelayo ngelixa i-stock non-dividend pay in stock is cut.
Abatyala-mali belizwe lonke, abantu abacebileyo kunye namaziko banokuthi baqaphele, ngamanye amaxesha, izabelo zeentengiso zenkampani kumaxabiso apho isivuno sabelo siphumelele kakhulu kunesivuno sesondlo . Ukuba bakholelwa ukuba ukuhlawula kuzinzileyo (inkampani iya kuqhubeka nokwenza inzuzo eyaneleyo yokuhlawula, okanye "inkonzo" isabelo sayo kwicandelo lithetha), baya kuba netyala lokutyalomali. Isiphumo sokugqibela sale nto kukuba iiphothifoliyo ezibandakanya imali yokuhlawula imali ehlawula imali-mali zivame ukungabi nantoni kakhulu kwaye zithinteka kakhulu kunabalingani babo.
Oku kuphawulekayo, oku kuyinyaniso nokuba xa isahlulo sinqunywe xa ixabiso lesitoksi liyehla kwipesenteji enkulu kunokuba isahlulelo sanciphise. Enye inzuzo kukuba isahlulo semali esahlukileyo kwiimarike ezibanzi ukuba iingeniso ezichazwe kwingxelo yengeniso ziyabonakala. Ngexesha leengxaki zemali, into yokuba enye inkampani ingakwazi ukubonisa ukuba yenza imali ngokuthumela imali kwi-imeyile inikeza inxaxheba eninzi kubamali-mali abahlangeneyo.
Ngexesha loxinzelelo lwezoqoqosho, i- liquidity king. Yingakho ngexesha lokunciphisa umnotho, ufuna imali eninzi, ukulingana nemali, okanye ukufikelela kwimali ngandlela-thile xa ulahlekelwa ngumsebenzi wakho, i-market market iphazamise kwaye awufuni ukuthengisa izabelo zakho ixabiso lentlungu, uhlaselwa umvuzo wokuhlawula uhlobo oluthile, ukhubazekile, okanye useneyeshishini kwaye uqale ukuthengisa.
Uninzi lwabathengi bexabiso kwihlabathi, kubandakanywa iTweedy Browne kunye neThathu Avenue, bahlale begcina imali kwi-balance sheet ukuze bakhonze njengengxube elomileyo xa iimarike ziwa. Nangona i-greenbacks ingasebenza njenge-drag drag on returns xa iimarike ziqhuma, zinokunikela ngeenzuzo ezinkulu xa amaxabiso esitokisi eqala ukuwa. Okwangoku, unako ukuqokelela ubuncinci amaphuzu amanani epesenti okanye izabelo zeemarike zemali , mhlawumbi uhamba ngezinga lokunyuka kwamaxabiso.
Izibophelelo zikamasipala ezingenasiphoso zingaba lukhethi olufanelekileyo kulomntu onelungelo lokutyalomali. Kwakhona unokuthi uhlawule umyalelo-mali, iibhondi, amanqaku, ukugcina i-akhawunti, ukujonga iakhawunti kunye nemali yemarike yemali. Utyalo-mali ootitshala kunye namaziko angena kwezinye izixhobo ezinjenge-esoteric ezifana nephepha lokuthengisa okanye izivumelwano zokuthengwa, kodwa akusiyo indawo abangenamava okunyathela.
... kunye namatyala ahluphekileyo
Inxalenye ebalulekileyo yokunciphisa umngcipheko wakho ngexesha lokunciphisa imali iyanciphisa iintlawulo zakho ezigxininisiweyo. Amatyala angaba yinto enyantyikisayo ukuba ayinakulungiswa kakuhle kuba izisa iintlawulo ezibandakanya inzala, nto leyo ayiyona nto ngaphezu kweendleko "zokuqashisa" imali. Injongo yakho ilula, kwaye akufanele uyilibale: Kufuneka uqhube imicimbi yakho ukuze ukuba ulahlekelwe ngumsebenzi wakho okanye uzenzeke ngokukhawuleza, iimfuno zemali ezingalindelekanga, awuyi kuba yintlambo yentlekele. Ukuba izinto zinzima kakhulu kodwa unelindeleke ukuba zibuyele eziqhelekileyo ngexesha elifutshane, ungasebenzisa amandla akho okwelisiweyo okwenziweyo ukukunceda ngexesha elide kwizinto ezifana nokutya.
Ngokuqhelekileyo, iimali-mboleko zabafundi ezidibeneyo kunye nezindlu zokubolekwa ekhaya zincinci. Kukho iimeko ezikhethiweyo - mhlawumbi unenkxalabo yangempela xa wenza i $ 25,000 ngonyaka kwaye unayo imali engama-90,000 kwiingxowa-mboleko zabafundi (oko kusenokwenzeka, ngoko ungalilahli ithemba!) Kodwa ngenxa yeenzuzo zerhafu kunye namazinga enzala aphantsi, uninzi mhlawumbi ukungena enkingeni ngokuba nekhadi lekhredithi eliphezulu okanye izikolo zemali mboleko. Akunjalo nje kuphela iindleko zentshisekelo ezinokuthi zixhomekeke kwixabiso lakho lokuthenga ngetyala, kodwa azinako ukuhlawula irhafu, okwenzeni ixabiso lawo lokwenene nezinye iindleko ezibiza kakhulu. Iindaba ezilungileyo kukuba unokufumana iitoni zezibonelelo ezinkulu apho ukukunceda ukuhlawula ityala lakho ukwenzela ukuqinisa iphepha lakho lokulinganisela .
Gcina i-Asset Balance yakho
Utyalo-mali luyonke malunga nokulungelelanisa. Uninzi lwemodeli yeepalthifoliyo yemveli yenza ingqiqo encinci kumholi wezobugcisa onolwazi olunzulu nolwazi olubanzi lweengxelo kunye namava emali. Umntu oqhelekileyo, onokuthi akayiqondi ngokwenene isitokthi okanye ukuba kutheni anesabelo se- S & P 500 yengxowa-mali , ukunciphisa ukunyaniseka (izinga kunye nobukhulu bexabiso lokunyuka kwexabiso) lunokuba ngumgomo obalulekileyo. Ngaloo ndlela, abaya kuba bancitshiswa kakhulu ukulahla amalungelo xa bengabizi ngenxa yokwesaba.
Esi sihloko siyaziwa ngokuba sisabelo se-asethi kwaye sikhankanywe kwinqaku ekhethekileyo Isingeniso kwiSabelo seAset . Ngamafutshane, umkhuba awukho nje ukudlulela imali yomtyalo-mali kwiiklasi ezahlukeneyo ezifana nezitokhwe, iibhondi, iimali eziphathekayo , i-real estate, igolide, ezinye izinto eziphathekayo , iifemu zamazwe ngamazwe, ubugcisa obuhle, njl. Ingcamango isekelwe kwingcamango yokuba akuzona zonke iimarike ezihambelanayo - oko kukuthi, xa umntu ehla, kunye nezinye zihlala zingakhange zifumaneke okanye zikhule. Ngaloo ndlela, umtyalo-mali akasenakuncipha kakhulu, izabelo ziyakwenziwa kwakhona, i- dollar ihlawulwe iiplani zokulandelelanisa, kwaye umphathi wezobutyebi ukhusele umxhasi kwisimo sabo sengqondo sokuthi "unqobe" kwiimarike ngokuthengisa.
Umzekelo ophelileyo ngamalungu omndeni wam osondeleyo, othe emva kokuphahlazeka kwemakethe yaseSeptemba 11, wathengisa iisitokthi kwizicwangciso zabo ezingama- 401k kwindawo yokungcola kwamaxabiso ngenxa yokuba abafuni "ukulahlekelwa yimali emininzi." Nangona oko ingqiqo ngomthengisi wosuku oqikelele kwi-short-term direction of stocks low quality, ayinamanzi kubatyalo-mali bexesha elide abazithengisa iinkampani ze-blue chip , ukubuyisela igalelo zabo , nokuqhubeka besebenza. Baya kwiimali zeemarike zemali ngelixa amaxabiso aphantsi kunokuba ayekho malunga nesiqingatha sekhulu leminyaka, kuphela ukufumana ukubuyiswa kwe-anemic ngelixa iWall Street ekugqibeleni ibuye ibuye iphindwe. Kulo hlobo lomtyalo-mali, iphothifoliyo elinganisekileyo inokunciphisa ukwesaba kwakho ngenxa yokuba awuyi kubona ukulungelelaniswa ngqo kunye nayiphi na imimandla ephambili yehlabathi lezezimali.
Uhlala uva abantu bethetha malunga nokwahlukana kweefayili zakho kodwa kungeke kwenzeke malunga nabavelisi bakho bemali! Into eyona nto eyenzekayo kwipotfoliyo yakho ngexesha lokunciphisa umnotho kukuba ulahlekelwe yikhono lakho lokuvelisa ingeniso kwaye unyanzeliswa ukuba uthengise impahla ukuze uhlawule iindleko zokuphila. Ingxaki kukuba, uthengisa ngexesha apho izibambiso (amasheya, izibophelelo, njl.). Ngubani ofuna ukuthengisa indlu yakhe emakethe ehla? Nangona kunjalo, oko kuthethwa ngabantu abaninzi ngenxa yokuba balahlekelwa ngumsebenzi okanye umfutho unyanzelekile ukuba unqume iiyure zabo, kwaye banokukhetha phakathi kokuchitha imali yabo kunye nokusebenzisa amakhadi ekwereta, ngokuqhelekileyo kwimilinganiselo enomdla. Oku kwakungeke kuyimfuneko ukuba akuyiyo into ecacileyo ukuba iintsapho ezininzi azidibanisi iindleko ngokukhawuleza xa iholo liwela.
Ukongezelela kwingxowa-mali yokugcinwa kwexesha eliphuthumayo, kunokuqikelela ukusekela yakho, i-generator cash generator elawulwayo yokusebenza njengomthombo wenkcitho kwintsapho yakho. Ekuqaleni kwam msebenzi, ukunyamekela kwam kukukudala "abafakeli bemali" ababeza kubakho kwinkunzi yemali-mali kungakhathaliseki ukuba ndiyenze ngolo suku. Ngexesha lekholejini, ndiza kuhlala kwi-coffee shop ndifunda iingxelo zonyaka kunye nokuqokelela igalelo, ukuhlawulwa kwemali, inzala kunye neentlawulo ezivela kwiiprojekthi zangexesha elidlulileyo kunye notyalo-mali xa abahlobo bam basebenza kwiivenkile zokuthengisa kunye neevenkile, bathengise ixesha labo lokuhlawula imali encinci. Le ndlela yayiyimpumelelo kwimpumelelo yam ngenxa yokuba andizange ndivela kwintsapho ecebileyo kwaye ndazi ukuba enye yeendlela eziqinisekileyo zokwakha amanani endiza kuba kukugxila kwizinto ezinokutshabalalisa-apho ndingayikhokhelwa kwiiyunithi ezilandelelana ezithengiswa emva komsebenzi sele yenziwe. Ngamanye amazwi, ndingathanda ukuba yindoda eyenza uhlobo olutsha lwe-lipstick kwaye ithengise izigidi zeeyunithi kunokuba zitshise iinqaba ngenxa yokuba iyunithi nganye ye-lipstick ivelisa inzuzo kodwa ayifuni umzamo ongezelelweyo okwenza imali ngaphezulu ishishini lokunyamekela ngotshani, kufuneka ndibeke iiyure ezininzi kwaye ndiqeshe abantu abaninzi.
Izigidi zabantu izigidi zabantu ngoku zivelisa imali engaphezulu ngokuthengisa impahla kwi-Ebay. Cinga ngolo hlobo - bekungekho nto engaqondakaliyo kwiminyaka engamashumi amabini edlulileyo. Ukuba unako ukufumana abantu abanomveliso abafunayo kwaye banako ukuwuthengisa ngexabiso kunye neelwandle ezikhangeleyo ngokwaneleyo, uza kuzisa imali eninzi ebomini bakho. Ukuba usebenzisa le nto ukuhlawula utyalo-mali, yakha imali yokugcina imali, kwaye uhlawule ityala lakho, uya kufumana ukuba awuxhomeki emsebenzini wakho ngokukhululekile, ukukhulula ejele lokuxhomekeka. Abanye basebenzisa imisebenzi yabo yemihla ukuze baxhase iiprojekthi ezifana nokuhlamba imoto, iiyunithi zokugcina, okanye ukuvula isitolo sesipho. Akukho nanye kwezi zinto eziqinisekileyo kwaye unako ukulahlekelwa yimali xa ungaqapheli, kodwa unikezela izinto kakuhle kwaye ulawulo luyakwazi, kunokwenzeka ukuguqula inzuzo.
Cinga ngokutshala imali kwizinto ezibonakalayo
Ukuba kwenzeka ukuba uqoqosho luhambe kunye nethuba lokunyuka kwamanani emali - elingenakunikwa - unokufuna ukuqwalasela ukutshala imali kwintlobo ethile yexabiso elibonakalayo elingenakuchukunyiswa yintsipho ekuthengeni amandla kwidola. Kwimarike yangoku, abatyali-mali abanetyala elikhulu, ininzi yemali, kwaye ityala elincinci linokukwazi ukufumana ii-steal ezipheleleyo kwiindawo eziphathekayo, ukuqokelela iimpahla eziphantsi kunokuba zithengiswa iminyaka embalwa edlulileyo. Le ndlela esekelwe kwixabiso yintliziyo yesitatimende esenziwa rhoqo nguWarren Buffett ukuba kufanele, "ube nomdla xa abanye besoyika kwaye besaba xa abanye bekratshi."
Ukulumkisa nje kuphela ukuba kukho ubungqina bembali obubonakalayo obubonisa ukuba okwenene, emva kokuhlawula irhafu, ubuncwane obulungiselele ukunyuka kwamaxabiso kunzima kakhulu ukuvelisa kwimpahla kunye neempahla zeempahla zentengiso njengoko kubanjwe ngamashishini kunye nezitokhwe eziqhelekileyo. Ngokuqinisekileyo, kukho konke okungafaniyo, kodwa ngokubhekiselele ekuthengeni nasekubambeni, ababonakali bendikhangelele kumtyalo-mali ongenamgangatho ophezulu wolwazi malunga ne-macroeconomics kunye nezindlela zokusetyenziswa kwezitye kumanqanaba, umzekelo. Iingcamango zibambe ukuba ezi ntlobo zotyalo-mali ziyakunciphisa umonakalo owenziwe ngexesha lokunyuka kwamaxabiso kumabhondi nakwezinye iimali-mali ezingenayo imali.
Akungabazeki ukuba inkulungwane yeshumi lama-21 ivela kwiChina naseIndiya. IYurophu Yomanyano ifika ngoku ngokuza kwayo kwiminyaka emva kokuqaliswa kweYurophu, imodeli yemali. Inxaxheba eyodwa kwipotfoliyo yowomali-mali kukuba kuya kuba nobuninzi bezinto eziphilayo ngaphandle kwemida yase-United States yaseMelika. Njengesizwe, sifumana kwisimo esifanayo neBritish Great nge-19th Century xa uyise kaJP Morgan eqhuba imisebenzi yakhe yasebhanki esuka eLondon kunye ne-capital capital kwi-republic yethu esezantsi, utyalo-mali lwezibonelelo zethu kunye neenkampani kunye nethemba lenzuzo enkulu kunye nantoni na-iya kwi-capitalism.
Nangona ngokuqinisekileyo oku kuya kubonisa imingeni njengoko uluntu lwethu lulungelelanisa utshintsho, kukho imali enokuyenza kwaye ukuchuma kuya kuba nokusetyenziswa koqoqosho olutsha jikelele. Iintlawulo ezininzi ezizithandayo ezixhaswa yiinkampani ezifana neThathu Avenue kunye neTweedy Browne (ukudalulwa ngokupheleleyo: usapho lwam kwaye ndibe ne-investments kunye nale fenisi) sele sele inikeza i-akhawunti yangasese (i-akhawunti elawulwa ngokwahlukileyo) kubantu abanamanani aphezulu kunye neemali ezihlangeneyo kubantu otyalomali ngokubanzi kwihlabathi.
Ezi zinto zibalulekileyo kwiipotifoliyo zehlabathi ngenxa yegama elithi "xa i-United States ibetha, ihlabathi libamba ubanda," akunakwenzeka kwixesha elizayo. Kwi-potifoliyo enganyangekiyo-mali, ii-asethi zamazwe ngamazwe zihlala zingenakulinganiswa kunye neengxelo zemali ekhaya, zinika i-good buffer. Umgaqo obalulekileyo wokuba ixabiso liParamount lisasebenza, nangona kunjalo. Akwanele ukuthenga isitokisi esihle, kwishishini elungileyo, esebenza kwilizwe elikhulayo kuba ukuba uhlawula kakhulu, uya kulahla imali. Yinto elula.
Khangela iMakethe ye-Bull efihlakeleyo ngexesha loKuqala
Umphathi wesikhwama sangaphambili se-hedge uJim Cramer udume ngokuthi "kukho imarike yenkomo ngezinye iindawo." Ulungile. Kungakhathaliseki ukuba lubi kangakanani uqoqosho, kungakhathaliseki ukuba lubi kangakanani i-market market, nokuba luphakame kangakanani iindleko zetyala, kuhlale kukho isikhwama sehlabathi apho kulula khona ukwenza imali ngenxa yeemeko eziye zaguquka. Ukuba ungaziva ngathi unayo izakhono ezifunekayo, amava, ubuchule kunye nobuchule bokuzifumana kwiimarike zemali, unokulungele ukuzenza ngokwakho. Uqoqosho, emva koko, lithetha nje uqoqosho jikelele luyehla - akuthethi ukuba awukwazi ukwandisa ingeniso yakho!
Ezinye iikhampani zinokufumana amaxabiso ezabelo eziwa phantsi ngenkqubela-nganye isabelo sidlula ephahleni. Lawo mathuba ayifiki imihla ngemihla, kodwa xa bekwenza, unokuqiniseka ukuba unelungelo eliphezulu kakhulu lokufumana umvuzo ngokuzithoba kwiminyaka emihlanu okanye elishumi phantsi kwendlela. Ngexesha lokunciphisa ubuncinci, ndandiphakamisa izabelo zesitokhwe kumthengisi osemtsha okhulayo othe wawa ngamaxabiso athengisa umlilo. Namhlanje, izahlulo zivunyiwe, ixabiso lentengo nganye liye lanyuka ngamaxesha amaninzi nangona i-dot-com ixakeka, imfazwe yongxwabalala, ityala lehlabathi eliphakamileyo kunye ne-dollar eyanciphayo. Ngoba? Iikota ezimbalwa zokunciphisa imali akunakwenzeka ukuba abantwana abatsha bachithe ngaphantsi kwixesha elide kwi-fashion den-jeans okanye i-polo shirts. Ndiyathetha ukuba, ukuba ungumzali, bekuphi ixesha lokugcina unyana wakho okanye intombi yakho ehamba emnyango waza wathi, "Andiyi kuthengisa kuyo [faka inkampani apha] ngenxa yokuthengiswa kwangoko kwipropati yomhlaba wonke"?
Nangona amajelo akwenza ingxolo enkulu xa ilizwe likhona, okanye kucinga ukuba lisondela, ukunyuka kwemali, inyaniso kukuba akusiyo isiphelo sehlabathi. Ukuba uqhuba imicimbi yakho ngokuzenzekelayo, ungaxhomeki ngokupheleleyo kumsebenzi wakho wemini ngenzuzo yakho, kwaye uninzi lwekheshi ngesandla xa uqhayisa okanye ungenawo matyala, uya kuba kuhle. Ngokufanayo, ukuba uqhuba ishishini lakho kwaye ugxininise ukugcina iindleko eziphantsi, iigxininise ngokwaneleyo, kunye nokunciphisa ukusetyenziswa kwemida, mhlawumbi uya kuphuma phambi komdlalo ngokusebenzisa ukuhla kwee-dollar ukuya kwi-portfolio yakho. Ngengqiqo, abaninzi abaphathi beepfoliyoli bezakhono babesebenzisa ukunyuka kwemali ka-2001 ukuthenga amashishini kwiinkampani eza kuzakunyusa ngokukhawuleza.
Le ngcebiso inzima kakhulu ukuyilandela abo baxhamliweyo kunye neendleko zemali-mboleko zabafundi okanye abo bazama ukukhulisa intsapho. Xa ugxininiswe nokuhlawulwa kwemali, ukuboleka kwemoto, ifomula yomntwana, kunye netyala lekhadi lesikweletu, ingcamango yokungathembeki emsebenzini ingaba yingozi. Nangona kunjalo, kula meko, kubaluleke kakhulu ukuba ufumane ubungqina bentengo-mboleko kubomi bakho, nangona kuya kuba nzima kakhulu kunokuba umntu osemncinci, engabandakanyekanga, kwaye ahlawulwe kakhulu.
Abo bafunde ixabiso lexesha lemali bayazi ukuba unako ukufikelela ekuzimeleyo kwezemali kunye nokwenzela iimali kangangeminyaka emininzi, unokuhlangabezana neentlawulo ezininzi ngelo xesha, mhlawumbi noxinzelelo. Njengoko ufumana ukuma, ukufumana imfundo yakho, okanye ukukhulisa abantwana abaphumelelayo, ukwakha inzuzo yakho kunye nokuba ngumcebile akulula. Enyanisweni, ngamanye amaxesha, kunokuba yinto ephazamisayo, ibuhlungu, kwaye idangele. Kodwa ekugqibeleni, kuyafaneleka ukuba ukwenzile ngokunyanisekileyo, ngokukhawuleza, kwaye ngokukhawuleza.
Kutheni ungagcini iphothifoliyo yakho .