Ungaphoswa Ngaphandle Kwezinye Utyalo-mali Olungileyo Kodwa Utyalo Lwezorhwebo Unokubaluleka
Ukufumana ulwazi oluthe vetshe, nantsi izinto ezi- 4 zokujonga kwiSahlulo sokuNgeniswa kweNgeniso .
Xa ukwakha iphothifoliyo yokutshala imali , enye inkohliso ongayisebenzisa ukuhlala ikhosi kwaye ufumane isityebi ukulinganisa impumelelo yakho ngenani elipheleleyo lemali engenayo engenayo iphothifoliyo yakho ivelisa kubanda, i-cash hard year. Ukulandela le foshekhi kubonakala isebenzela abantu kuba ilula kwaye ubona ubungqina obonakalayo benkqubela yakho njengoko ukuhlolwa kukuthunyelwa kuwe ngeposi okanye ngokuzenzekelayo kufakwe kwi-akhawunti yakho yasebhanki.
Umzekelo Wokusebenzisa Imali Engenayo Njengomlinganiselo Wakho Wokulinganisa
Cinga ukuba unayo i-$ 10,000.00 ekulondolozeni ofuna ukutshala imali kwixesha elide. Unquma ukuthenga amasheya angama-500 kaGenerali uMbane kwi-20.00 nganye ngesabelo. Masithi, isahlulelo samanje ngu-17 ¢ nganye kwikota. Okokuthi, nganye iintsuku ezingama 90, uza kufumana i-check 85 $. Ukuba unayo imali ngokuzenzekelayo, ekupheleni konyaka, uza kuba ne-$ 340.00 ngemali ehlezi kwi-akhawunti.
Ngonyaka ozayo, ugcina i-$ 10,000.00 eyongezelelweyo. Ukongeza i-$ 340.00 ngemali evela kwiSahlulo sakho soMbane, ukunika i-$ 10,340.00 ngemali ekhoyo. Ngeli xesha, ufuna ukungafani ukuze uthenge amanani angama-159 kaJohnson & Johnson ngaphantsi kwe $ 65.00 ngesabelo ngasinye. Masithi isabelo sabo sonyaka si $ 2.44 ngesabelo ngasinye.
Ekupheleni konyaka wesibini, ngoku uvelisa imali engama-340.00 engama-engenayo engenayo kwimali oyi-General Electric dividends kunye ne-387.96 yerhafu kwimali engenayo engenayo kwi-Johnson & Johnson izabelo zakho ezipheleleyo kwi-727.96. Ungayigxininisi ukuguqulwa kweemarike ezithengiswayo , ngokugxininisa into enye kunye yinto enye kuphela: Ingaba ungayifumana loo manani angenayo imali yokukhula ngokukhawuleza kunokunyuka kwemali njengoko iminyaka idlulayo. Ucinga njengomnini-shishini lomsebenzi wexesha elide, kungekhona i-speculator.
I-Portfolio Income Income Portfolio ikhula ngexesha
Enye yeempawu eziphawulekayo zephothifoliyo yengeniso enhle yinto yokuba i-generator cash , i-stocks, imigangatho yokulingana kwamashishini abucala, ipropati yolwazi, amalungelo amaminerali, okanye nayiphi na into onokuyicinga ukuba uyayilahla imali, zikhula ngonyaka ngamnye ukuze zilahle imali engaphezulu kunokuba ziyiminyaka engaphambili. Kubalulekile ukuba isantya sokukhula ngokwemali esongezelelweyo sigqithise izinga lokunyuka kwexabiso ukwenzela ukuba umvuzo wakho wekhaya usoloko ukwandisa, kukunika imali eyinkunzi ukukhupha, ukuyibuyisela, ukuyigcina okanye ukuyisebenzisa.
Thatha amasheya amabini esiwakhankanyileyo. Ngeli xesha ndaqala ukubhala eli nqaku, uJohnson & Johnson wandise isabelo sawo kunyaka wama-50 olandelelanayo.
I-General Electric iye yandisa igalelo layo ngezihlandlo eziliqela kwiminyaka embalwa edlulileyo, nangona kunjalo ingazange ifinyelele kwinqanaba eliye lagibela ngaphambili ngaphambi kweNkundla ePhambili. Inkampani enhle yinto ekwaziyo kwaye ikulungele ukunyusa ukuhlawula igalelo kubanikazi bayo ukwenzela ukuba bafumane i-dividend checks, ngenxa yokuba imisebenzi engaphantsi kwayo iphakamileyo kwintlangano. Cinga ngolu hlobo olufana neKraft Foods. Kungakhathaliseki ukuba kunzima kangakanani umntu, i-Oreo Cookies mhlawumbi iya kuhlala iphakamileyo phakathi kweekhukhi ezithengisa kakhulu. Cinga ngeCoca-Cola okanye iPepsi. Kungakhathaliseki ukuba uninzi kangakanani imali otyalo-mali kumqhubi-mqhubi, kuya kuba nzima ukususa izixhobo eziphuzayo eziphuzayo kwi-perch yazo kwi-carbonated drink category.
Ngokufanayo, utyalo-mali olulungileyo lwezindlu luyakwazi ukunyusa ukwanda kwerenti ngokungaphezulu kwamaxabiso emali.
Awufuni ukuba namabhinqa anzima, amaqhinga. Ubomi bufutshane kakhulu ukuba ungayi kuhamba loo ndlela. Yishiye omnye umntu. Umsebenzi wakho kukuqinisekisa ukuba unyaka ngamnye unyaka kunye no-1.) ubunini obwandisiweyo bamashishini amakhulu, aphakamileyo, kunye no-2.) ezo mpahla zilahla imali engaphezulu kuneenyanga ezilishumi elinesibini ngaphambili. Ukuthatyathwa ndawonye, akubunzima ukwakha ubutyebi ukuba unayo ixesha elaneleyo.
Ukusebenzisa indlela yokufumana imali engenakukunceda inokukunceda ukuKhusela iiAfa
Ingeniso enkulu yokugxila kwingeniso yonyaka engapheliyo njengemitha yokuphumelela kukuba inokukunceda ukukhusela ukuhlawulwa ngokwemali, njengabanini -mali boTywala basekhaya baseTurkey esixoxe ngazo apha . Lo ngumsebenzi wezibalo eziphambili. Njengoko amaxabiso aphakama, ukuvunwa kwemali kuhla. Utyalo-mali ugxile ekunyuseni imali engenayo ingenakufumana oku kutyalo-mali okuvelisa ngokukhawuleza, kubonelela amandla anqwenelayo njengokuba nethemba litshisa i- market market okanye imarike yeempahla . Uye wakhusela intsapho yakhe imali.
Ingozi enkulu kunazo zonke kwiNkcazo yeNgeniso yokuTyalwa kweMali Ingozi yokuwa kwiCandelo loNcedo okanye iSicarget Trap
Enye yemingcipheko enkulu yamadoda kunye nabasetyhini egxile kwingxowa-mali yokufaka imali engenayo iwela kwi-so-called trap trap . Njengomgaqo oqhelekileyo, ukuba i-asethi ivumela u-3x, u-4x, okanye umkhulu kuneminyaka engama-30 e-United States. Uninzi lwezinto ezincinci "ezingabizi" zixabiso elincinci ngesizathu. Ehlabathini lanamhlanje, ukuba ubona isahlulo se-6%, i-8%, i-10%, i-12% okanye ngaphezulu, mhlawumbi uhamba kwenye yezi zibizo. Kungenzeka ibe yinkampani eyayinexesha elikhethekileyo lesahlulo esivela ekuthengiseni i-asethi, njenge-subsidiary, okanye ukulungiswa kwesohlwayo esingayi kuphinda. Kungenzeka kube yinto efanelekileyo yoshishino lwezinto zokudlala njengentsebenziswano eyingcipheko yamanqaku ayenayo irekhodi yokufumana imali evela kumaxabiso aphezulu, apho iimarike azi ukuba ayikwazi ukugcinwa. Ingaba ibhishini elijikelezayo libonisa ukuba uluhlu lwabatyalo-mali lubiza umnxeba.
Nasiphi na isiganeko, qaphela. Utyalo-mali lwemali engenayo inokukusebenza kakuhle kodwa ungabi nomdla kwaye uphazamise umvuno. Njengoko uBenjamin Graham asikhumbuza, imali eninzi ilahlekelwe ngabatyalomali abafikelela kwisiqingatha esongezelelweyo semali engenayo ngaphezu kwebiwe emgqonyeni wesibhamu. Wa ye lungile.