Imarike yeebhere yinto echaseneyo, okanye echasene nayo, yemarike yenkomo, apho amanani e-stock eqhubeka ephakama phezulu.
Yintoni eqhuba i-Market Market?
Ukuhla kwehla kwamanani entengo kunokwenzeka ukuba kukho naziphi na izizathu, njengoko abatyalo-mali batyazela ngeendaba zezoqoqosho kuquka ukuhla kweenzuzo zenkampani, ukulungiswa kwesibhakabhaka esidlulileyo sokuchithwa kwesitokisi, inkxalabo yezemali kwishishini elinye, njengempembelelo ye-domino, iimpembelelo namanye amashishini angaboniyo. Kungaba yinto enokubonakala ingenangqondo njengoko ukuxhalabisa kwabatyalomali abanengqondo.
Umzekelo weemarike zeebhere elide liza kuba yi-stock market crash ka-1973, apho i-marhwebo yahlala ixinezelekile kangangeminyaka elishumi. Amava afana nalokhu angabangela ukuba abatshali-mali babebe kude notyalo-mali; awunakukwazi ukuba luhlobo luni lweemarike luza kubumba kwaye kuthatha ukuqina kwengqondo kunye nezimali ukukhwela isiqhwithi.
Okumangalisayo kukuba, loloyiko lwakwodwa ludla i-market bear.
Impembelelo ephantsi kwezoTyalo-mali
Ngokuqhelekileyo, i-market yebhere iya kubangela ukuba unobungozi obunakho ukuhlawula intengo, mhlawumbi ngokwezinga eliphezulu. Ukuhla kwexabiso labo kungahle kwenzeke ngokukhawuleza, okanye kunokuhlaziya ngokukhawuleza ngexesha elide, kodwa umphumo wokugqibela unye: Ixabiso le-portfolio holdings lihla.
Ngexesha lemarike yeebhere, abanye abatyali-mali bathetha ukugxila kwimigaqo emibini eyimfuneko evumelekileyo ukusebenzisa iimeko zemarike yangoku. Okokuqala, imakethe yeebhere imbi kakhulu xa uceba ukuthengisa impahla yakho okanye ufuna imali yakho ngokukhawuleza . Okwesibini, ukuhla kwexabiso lentengo kunye neemarike ezixinzelelekileyo ngumhlobo wexesha elide, uxabiso lokutyalomali.
Ukuba utyalomali utyalombile ixesha elide kunye nenjongo yokubamba izabelo zakho kwiminyaka emashumi, i-market yebhere yenza ithuba elihle lokukhawuleza ukubuyela kwakho kwixesha elide nangona libonakala liphikisana. Ngokunciphisa ixabiso lentengo, ukuba wenza ixesha, utyalo-mali oluthatyathiweyo ngaphezu kwexesha esitokisini, eyaziwa ngokuba yi-"dollar-cost-average", unokuhlawula isiseko semali yokubamba kwakho kunye nokunciphisa ixesha lokubuyiselwa kwipotfoliyo xa ithenda ilula. Ngale ndlela, uya kugqiba ukuthenga izabelo ezininzi xa ixabiso liphantsi kwaye izabelo ezimbalwa xa ixabiso lihamba.
Ukongezelela, ukuba unayo i-stocks ehlawulelwayo-mali, uhlawulela loo mahlulo "njenge-speed accelerator". Izabelo ezibuyiswayo ziyanciphisa isiseko seendleko zepotfoliyo yakho ngokubanzi ukuze ixabiso lentengiso elicatshulwa lifuna ukwandisa ngezinga elincinci lokufikelela ekuphumeni-nangaphandle kweendleko zokuqala zotyalo-mali.
Ukwenza i-lemonade kwiLimons
Xa kuthengwa isitokethi kwimarike yeebhere, abanye abatyalo-mali bathetha indlela yokutyalomali-mali-mali uWarren Buffett, "utyalo-mali," okubandakanya ukukhetha izitokethi ezisuselwe kumgangatho osebenzayo wenkampani kunye nokukwazi ukwenza umvuzo oqinileyo ngokuhamba kwesikhathi. Ezi zifo zenkampani zenza izinto ezintle zesikhathi eside kwaye ziyakuthi zibe negalelo elizinzileyo kwiminyaka eyi-10 okanye engama-20 phantsi kwendlela.
Oku kuvelisa umgaqo wesithathu xa ubhekisana neemveliso zeebhere. Ukuthatha esinye isicatshulwa kuWarren Buffet, funda ukwahlula intengo yesitoshi kwi-shishini elingaphantsi, njengoko behlala bebancinci ukukwenza kunye nexesha elifutshane. Nangona i-marhwebo engaboni ukuba inkampani iyabaluleka kwaye ingabalulekanga isitoksi sayo, ukuba inkampani iyaqhubeka nokwenza imali njengeshishini lokusebenza ngemali eqinile kunye neminye impawu, oku kuthetha ngokumalunga nexabiso langaphakathi, okanye uhlobo olubalulekileyo lwenkampani, kunokuba kubonakaliswe kwixabiso laso lamanani.
Nangona iingcamango zezifundo ezithile, ezinye iingcali zokutyalo-mali zikholelwa ukuba i-market ayisebenzisekanga ngokugqithiseleyo kwixesha elingaphantsi kweminyaka emininzi. Abanye abatyali-mali babona iimarike ezithengayo zentengiso njengemvume yokuthengiswa kwisitorethi esithandayo; bayithwala kwiimpahla zesohlwayo ngelixa zikwazi ukuba iimbali ziye zabonisa ukuba amaxabiso ekugqibeleni aya kubuya kumanqanaba afanelekileyo xa inkampani ingena
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.