Ngaba ukhetha ukhethe utyalo-mali okanye ufumane iintlobo ezahlukeneyo?
Utyalo-mali olusebenzayo lufana nokubethelwa ngubani oza kuphumelela i-Super Bowl, ngelixa utyalo-mali oluthile luya kuba njenge-NFL yonke, kwaye ngoko ke ukuqokelela inzuzo kwithekiti enkulu kunye nentengiso yeentengiso, kungakhathaliseki ukuba yiliphi iqela eliphumelelayo ngonyaka.
Utyalo-mali olusebenzayo lithetha wena (okanye umphathi wesikhwama-mali okanye omnye umcebisi-mali-mali) uya kusebenzisa indlela yotyalo-mali ekubandakanya uphando njengoluhlalutyo olusisiseko, uhlalutyo olusisiseko kunye nokuhlalutya kwezobugcisa , kuba ucinga ukuba utyalo-mali ulandelwa ngale ndlela ukuhambisa umphumo ongcono kunokuba ube ne-market.
Ukusebenzisa ufaniso lwe-NFL, uya kufunda bonke abadlali kunye nabaqeqeshi, uye kuqeqesho lokuqala kwangaphambili, kwaye kusekelwe uphando lwakho wenze ibhethri efundisiweyo malunga nokuba yeyiphi iikomiti eza kuba ngaphezulu kwonyaka. Ngaba uya kukulungele ukubetha imali yakho ngokukhetha kwakho ngokuchanekileyo? Umtyalomali osebenzayo okanye isicwangciso esisebenzayo senza oko kanye.
Ngendlela yokutyalomali yokutshala imali uza kuthenga iimali zenkcazo kwaye ufumane yonke i-stock of stocks and bonds. Kuya kuba njenge-NFL; akuyiyo yonke iqela eya kuphumelela, kodwa awukhathalele ngokuba uyazi ukuba ezinye iimveliso zithengiswa ngonyaka. Ngendlela enqwenelekayo nje ufuna ukufumana imali esekelwe kwisiphumo esihlangeneyo sazo zonke iimpahla kunye nezibophelelo ezihlanganisiweyo.
Utyalo-mali obuthathakayo uthabatha imbuyekezo yentengiso yonke
Xa uthabatha le ngqangi yebhola, kwaye uyayisebenzisa ekutyala imali, kuqala ukhangele yonke imarike yezikhokelo ezikhoyo. Umtyalo-zimali osweleyo ufuna ukufumana zonke izitokisi, ngenxa yokuba bacinga njengento yonke, ngaphezu kwexesha elide, i-capitalist isebenza, kwaye banokufumana imbuyekezo ephakamileyo ukusuka ekutyalweni kwiimalike zentengiso yonke kunokuzama ukukhetha ukuba yeyiphi impahla iya kukhangela i-market ngokubanzi.
Ingongoma yeendlela zemarike ezithintekayo kukusebenzisa into ebizwa ngokuba yi- premium yengozi yokulingana ethi kufuneka uhlawulwe ngokuthatha ingozi yobulungisa kunye nokubuyiswa okuphezulu.
Iimali ezilawulwa ngokufanelekileyo kunye neengxowa-mali eziphathekayo
Xa ukhangelelana kwiimali zentsebenziswano , i-fund ye- cap joint fund iyazama ukukhetha iifutshane ezingaphezulu kwe-100-200 ezidweliswe kwi-S & P 500 Index.
Ingxowa-mali, okanye ingxowa-mali, iya kuba nazo zonke izitokhwe ezingama-500 ezidweliswe kwi-S & P 500 Index ngaphandle kokuzama ukukhetha nokukhetha phakathi kwazo.
Unyaka ngamnye uphando lwezemfundo luqhutyelwa ukuthelekisa ukubuyiswa kweemali eziphathekayo ezilawulwe ngokuzimeleyo kwiimbuyekezo zengxowa-mali ezihlanganyelweyo. Uphando lubonisa ukuba kwixesha elide ixesha elide lilawulwa ngemali ayiyi kuzisa ngokuphindaphindiweyo ukubuyiselwa kweentlawulo eziphezulu kunezinye zazo. Isizathu sokuba kutheni ukuhlangabezana nemirhumo. Iimali ezisebenzayo zenza iindleko eziphezulu kwaye umphathi wezikhwama kufuneka aqale ahlawule iintlawulo ezongezelelweyo ukuze ahlawule iindleko phambi kokuba umtyalomali aqale ukujonga ukusebenza okwakusenyuka kunomlinganiselo wenkxaso-mali.
Kutheni indlela esebenzayo ixabisa ngaphezulu? Kuthatha ixesha ukwenza uphando, kunye neengxowa-mali ezilawulwa ngenyameko zichitha imali engaphezulu kunye nabasebenzi. Ukongezelela, baneendleko eziphezulu zokuhweba njengoko behamba kunye nabangaphandle kwamasheya. Ukuba isalathisi sifumana i-10%, kwaye i-fund ine-3% ngonyaka kwiindleko, kufuneka ifumane i-13% nje ukuba ibe ne-net return equals.
Kukho ukwahlukana phakathi kwezimali ezingenayo imali kunye neengxelo zemali. Zonke iifom zenkcazo yindlela yokutyalomali-mali, kodwa akusiyo yonke imali elawulwa ngokunyanzeliswayo .
Utyalo-mali olusisiseko lusebenza kakuhle
Iimali ezingenamsebenzi azenzi izinto ezininzi zokurhweba, oko kuthetha ukuba ayinayo kuphela imali ephantsi, kodwa nabo banemivuzo encinci yokufumana izabelo eziza kudlulela kwi-tax return yakho. Ukuba utyalomali usebenzisa i-akhawunti engekho yomhlala-phantsi oko kuthetha ukuba indlela yokutyalomali yokutyala esetyenziswayo ngokufanelekileyo kufuneka inciphise umrhumo wakho werhafu oqhubekayo. Ukuba ufuna ukudibanisa iindlela ezichanekileyo kunye nezingabonakaliyo ungakhangela ukubeka iimali ezilawulwa ngempumelelo ngaphakathi kweengxelo ezikhuselekileyo zerhafu ezifana ne-IRAs, ngelixa usebenzisa indlela engenzileyo okanye isikhwama esilawulwa yerhafu yee-akhawunti ezingekho phantsi komhlalaphantsi.
Ukungaqondani malunga ne-active vs passive
Ininzi yexesha le mpikiswano ehambelanayo kunye neengxoxo ezingapheliyo ijoliswe malunga nokuba ingxowa-mali yomzimba iyakwazi ukugqithisa isalathisi sayo. Ngokomzekelo, uphando luyakubheka ukuba zingakanani iimali zeefowuni ezinkulu ezingaphaya kwe-S & P 500 Index.
Nangona kunjalo, iimali ezininzi kunye neendlela zokutyalomali azithinteli kwintlobo yesitokisi okanye isibophelelo. Umzekelo, iimali zeefowuni ezininzi ziyakwazi ukufumana amasheya amakhulu okanye amancinci ezincinci kuye kuxhomekeke kulokho abahlalutyi bezocatshulwa bacinga ukuba banganikela ukusebenza kakuhle. Kule meko unako ukulinganisa iziphumo ezide zesikhwama esinjalo malunga nento efana ne-Vanguard ye- Total Stock Market Index Fund .
Ukudideka okongeziweyo kubangelwa ukuba abacebisi bezobalo-mali bangasebenzisa iimali zenkcazo, kodwa basebenzise indlela yokwabiwa kweefa zokuthatha isigqibo xa iphothifoliyo kufuneka ibe neklasi okanye i- asethi ethile. Ngale ndlela, imali edibeneyo yokusebenzisana iyasetyenziswa ngaphakathi kwindlela yokusebenza ekhuselekileyo okanye esebenzayo.
Utyalo-mali obuncinane kakhulu
Bangaphi bakho abahlobo okanye osebenza nabo baye bathetha ukuba baqeshe isicwangciso-mali sokwenza imali? Mhlawumbi bambalwa kakhulu kodwa yiloo nto abamele bayenze. Bambalwa kakhulu abantu abangenza imali njengomtyalo-mali osebenzayo kunye nalabo abanakho, ipesenteji encinci kulabo bantu baya kubetha i-marhwebo ngexesha. Musa ukujonga utyalo-mali njengendlela yokwenza imali ngokukhawuleza. Abatyalo-mali abaphumeleleyo kakhulu abo batyala imali kwixesha elide kwaye baqonde ukuba inzuzo ehlanganiswe ngokuhamba kwesikhathi kunye nengozi efanelekileyo yindlela yokwakha ubutyebi.