Xa uvavanya utyalo-mali olubonakala luhlawulela ngaphezulu kufuneka ubenze nabo njengoSherlock Holmes, kunye neqondo elihle lokungathembeki njengoko kukho izizathu ezihambelanayo kunye neziphumo zobudlelwane. Ukubuyela kuphezulu kuba umngcipheko uphezulu.
Qiniseka ukubuza yonke into kwaye unake ingqalelo kwiinkcukacha.
Ukwenza umsebenzi wakho wechungechunge kuthetha ukuba uyazi ukuba utyalo-mali ophezulu luvelisa njani ukubuyiswa kwayo kwaye zeziphi izinto eziza kubangela ukuba ezo zibuye zihla (okanye phezulu.) Kufuneka ucinge nje ukuthenga emva kokuqonda le miba efana nemeko yokusebenza kwemali, ukukhuphisana kwamashishini kunye imeko zo qoqosho.
Umvuzo wale mngcipheko? Izivuno eziphezulu kakhulu kunezinye iindlela ezikhuselekileyo ezinokubambisa imali (ezixhaswa nguRhulumente wase-US). Qala ukukhangela kwakho isivuno kunye nohlu olungezantsi. Musa nje ukulibala, nangona ingavelisa inani elininzi lentlawulo yenyanga (okanye ngekota), kunye nokutshala imali ephezulu, lindele ukuba inqununu yakho iguquke, ngamanye amaxesha ngokukhawuleza.
1. Iimali eziphezulu zokuThengisa
Izibophelelo eziphezulu zezivuno zikhutshwa ngamashishini awamandla abo emali ayilona luqine. Ngokuqhelekileyo kuthiwa " zibophelelo ezingenanto ," kufuneka zihlawule isivuno esiphezulu kunezinye iindlela ezikhuselekileyo ukwenzela ukutsala abatyali-mali.
Unokuthenga izibophelelo zomntu ngamnye ophezulu, kodwa abatshali-mali abaninzi banokufumana iimali eziphathekayo ezizibophelelanayo zokuba zikhethiweyo ezikhethiweyo. Funda kabanzi malunga nezibophelelo eziphezulu zezivuno kwi:
- UkuHlola iMingcipheko ye-Vs Imbuyekezo Kwi-Market High YiNtengo
- Ukutshala imali kwiiBond
2. Impahla yokuTyala ye-Real Estate (REITs)
Cinga nge- REIT efana neengxowa-mali ezizimeleyo ezinezindlu zangaphandle.
I-REIT iyadlulela kwingeniso yerenti evela kuloo ndawo yokuhlala, umtyalomali. I-REIT inokuthengiswa esidlangalaleni okanye ngasese, kwaye unakho ukufumana ipolfoliyo ebanzi yendawo yokuhlala okanye umncinci. Ngokusebenzisa i-REITS ungafaka imali kwiindawo zokuhlala, iihotele, indawo yeofisi, indawo yokuthengisa, izakhiwo ezinxulumene nezempilo, iimali zokugcina imali, ukugcinwa kunye nezinye iintlobo zepropati ehlobene nepropati. Funda kabanzi malunga nokutshala imali ephezulu kunye ne-REIT kwi:
- Ukukhangela iMali ephezulu yokuThengisa
3. Iimpahla ezikhethiweyo
Ngokuqinisekileyo isitokhethi esikhethiweyo kukutyalomali-mali, kodwa bahlala befaniswa neebhondi njengoko benomdla omkhulu. Izitokhwe ezikhethiweyo zihlawula igalelo kwizinga elimisiweyo kwaye inkampani iyafuneka ukuba ihlawule iindleko kubanini bempahla abakhethiweyo ngaphambi kokuba ipenisi enye ihlawulwe kubanikazi bamasheya abaqhelekileyo. Le nto ingabenza ibe ngumthombo okhangayo weengeniso eziphezulu zokutsalwa kwemali. Ezi zixhobo ezimbini ezingezansi zibonelela ngolwazi olunembile nolwazi oluchanekileyo kwiimpahla ezikhethiweyo:
- I-Primer Kwiimpahla ezikhethwe ngu-Investopedia
- Amandla Eempahla Ezikhethwe Ngama-Motley Fool
4. Izabelo zokuhlawula
Ukwahlula kwiisitokhi kunokubonelela ngemvelaphi yengeniso yomhlala-phantsi ongatshintsha . Ukuba inkampani ifumana ingxaki yezemali, inokunciphisa okanye isuse igalelo sonke.
Unokwenza lwakho uphando lwee-stocks ngeembali zokuhlala kunye nokunyuka kwamaxabiso okanye unokuthenga i-fund benefit fund. Khangela izitoko zokuhlawulela eziphezulu kunye nemali kwi:
- Isixhobo sokukhangela iisitora ezinexabiso elilungileyo kakhulu
- Dive In Dividend Income Funds
5. Iimali ezivaliweyo zokugqibela
Isikhwama sokuphela sokhuseleko sihlobo lwe-fund fund. Njengengxowa- mali , iqukethe idama lomtyalo-mali. Ngokungafani nesikhwama sokubambisana, xa isikhwama sikhuphe inani elithile lezabelo, livale abatshali-mali abatsha, ukuze uthenge izabelo omele uzizithenge njengokuba uthenga isitokisi; ngokutshintshaniswa nomnye umntu othengisa izabelo zawo. Uninzi lweemali ezivaliweyo zokuphelisa ukusetyenziswa kwemali (banokuboleka kwipotifoliyo ukuthenga utyalo-mali olongezelelweyo) olunokubangela ukuvelisa izivuno eziphezulu. Azikho zonke iimali zokuvala ezivaliweyo ezihlelwe ukuhlawula imali engenayo, kwaye abanye banokuhambisa isinqununu njengenxalenye yonikezelo lwawo lwenyanga okanye ngekota, ngoko khangela ngononophelo.
Xa usebenzisa iimali zokuvala ezivaliweyo kugcinwe engqondweni kukulungele ukuthenga oku kutyalo-mali ukuvelisa imali xa bethengisa kwisaphulelo. Funda kabanzi malunga neemali zokugqibela ezivaliweyo:
- I-Based End End Fund Basics
- I-CEF Connect - Indawo yoPhando oluValiweyo lokuVala
6. Imali yeNgxowa-mali yomhlalaphantsi
Hlanganisa kunye ne-industry ye-fund, imali yokufumana umhlala-phantsi ilawulwa ngokusemthethweni ngenjongo yokuvelisa imali engenayo yenyanga okanye yenyanga. Banikela ngenye indlela ekhangayo ekulawuleni iphothifoliyo yakho kwaye inokusebenza njengenye indlela yokuhlawula ngokukhawuleza okubuyisela inqununu yakho kunye nenzala ngaphezu kwexesha. Fumana iinkcukacha malunga nemali yengeniso yomhlalaphantsi:
- Iingxelo zeNgxowa-mali zeRetirement Fund kunye neeNtlawulo ezilindelekileyo
- Iveki leShishini: Umhlala-phantsi - iifowuni zokugcina iNgeniso ephumayo
7. Iontanga zoTyala lokuTyala
Umkhanyo okhulayo lwabanye abatyalo-mali beempahla abafuna ukutsalwa kweemali-mboleko eziphezulu kukutyalomali kwimali-mboleko evela kwii-portal zokubolekisa nge-Intanethi. Oku kubizwa ngokuthi "uontanga lokujonga" ukubolekisa, okanye i-P2P, njengoko kufana nokuboleka imali kummelwane okanye ngontanga. I-portal ye-intanethi idibanisa abatyali-mali kunye nabbolekayo kwaye inikezela iqonga elibeka ixabiso lentengiso kwimali-mboleko. Ababolekisi be-intanethi banako ukunciphisa iindleko zemali-mboleko eziqhelekileyo ezenza umyinge womyinge wabalimi abaphantsi kweemveli zemithombo mboleko yemali. Ezi mboleko zingenziwa kunye okanye zixhaswe ngumntu omnye, oku kuthetha ukuba unako ukuboleka imali encinci kubantu abaninzi, okanye umlinganiselo omkhulu kumntu omnye. Kwimfundiso, umntu obolekayo abuyisela imali mboleko kwi-akhawunti yebhanki ngqo ngqo kwi-akhawunti yakho ye-IRA. Njengokuba kukho nayiphi na imali mboleko, ubeka umngcipheko wokuba umboleki angahlawuli mboleko. Ungafunda ngakumbi kwi:
- Isikhokelo soMcebisi wezeMali kwiP2P
- Iqela leMboleko.
8. AbakwaMashishini abambiseneyo
Ubambiswano obunamanqaku abucala (MLP) ubambiswano oluthengiswa esidlangalaleni, ngokungafani nenkampani, ludlulisela ingeniso yalo kuwe, umtyalomali. Esi sakhiwo sivumela inkampani ukuba igweme ukuhlawula irhafu kwinqanaba lequmrhu, yenye yezona zizathu ezibangela ukutshala imali ephakamileyo. Inani lemali engenayo eyenziwa ngumanyano omncinci oyintloko luya kuxhomekeka kwintengo kunye nomthamo wemveliso okanye inkonzo abayivelisayo; baninzi bahlala kwishishini leoli kunye negesi. Uzakufumana ukusebenzisana okulinganiselweyo okuvelisa ipropane, imithi kunye nokulawula iipayipi. Funda kabanzi malunga nentsebenziswano emfutshane:
- Intsebenziswano Elinganiselweyo-Intengiso-Isiqithi Sokuzinzela Abatyalo-mali Abahluleli
9. Iimali zokufumana imali yaseCanada
Ndifumene i-Yield Hunter ukuba ibe ngumthombo onokwethenjelwa wolwazi kwi-investor high yield; basebenzisa le nkcazo elandelayo kwi-Canada Income Trust, "Ngokubanzi sinokuchaza iingeniso zengeniso njengezithuthi ezibambe ngokubambisana ngqo okanye ngokungathanga ngqo kwiivenkile zokuvelisa ngeniso ngokukhawuleza ngenjongo yokuhlawula iifom ephezulu, ezizinzileyo kunye ezinokuqikelelwa. Amanqaku amabini apha ngezantsi uza kufunda ngakumbi malunga nendlela yokubakhokhwa kwintlawulo yokutshintshiselana kunye neerhafu zangaphandle xa uvavanya iTrasti yeNgeniso ye-Canada njengokuba utyalo-mali oluvelisa kakhulu:
- I-Detective Detective Ithatha i-Trustees yeNgeniso yeNkathada
10. Iimali ezixhaswe yiiNkcazo zeTrust
Iiprojekthi ezininzi zentengiso (kunye nokuthengwa kwezindlu zangasese) zikhusele imali yazo yokuqala kwimithombo yabucala. Kukho amancinci ukuya kwinqanaba elincinci leenkampani ezizimeleyo ezizimeleyo kwiimali-mali ezifanayo nabakhi okanye abathengi abafuna iimali. Iindaba ezilungileyo; xa uboleka imali kule mizekelo yeeprojekthi kufuneka ubhalwe kwi-deed of trust njenge-holder, ngoko ke ukuba umbolekeki eyeka ukwenza iintlawulo, unokuzibhenca kwangaphambili. Iindaba ezimbi; Ukuqwengula kungakuba yinkqubo ende kwaye awukwazi ukuba yeyiphi impahia leyo iya kuba nayo xa ugqiba ukuba uphinde ubuyisele. Ngamanye amaxesha uhlobo lotyalo-mali luthiwa utyalo-mali kwizenzo zokwethemba. Ukuboleka kwangasese kunakho ukuvelisa izivuno eziphezulu, kodwa qaphela. Zininzi iinkampani zithengisa olu hlobo lotyalo-mali oluphezulu "njengokhuseleko". Utyalo-mali lwakho lugxininiswa ngumbumba kodwa akukho mali-mveliso ephezulu ekhuselekile "ephephile". Funda kabanzi kwi:
- Ithemba lokuTyala Ukutyalomali
- Prosper - Iwebhsayithi Edibanisa Abboleki Bangebodwa Nabathengi Bangebucala
Ukhuseleko: Uluhlu olukhankanywe ngasentla alukho isincomo salo nawuphi na iwebhusayithi okanye utyalo-mali. Endaweni yoko, ngumthombo; indawo apho ungaqalisa khona uphando lwakho kunye nohlalutyo lwentengiso ephezulu.