Ngoko ke, xa umntu ebuza umbuzo othi, "Uyenza njani imali ngemali?" Bacela imibuzo emithathu enxulumene neyobuhlungu: "Ungayithenga njani imali?" Kunye "Yiyiphi indlela engcono yokukhula imali yam ngemali ?, "kwaye" Ziziphi iimali eziphathekayo ezilungileyo kakhulu ekukhuleni imali yam? " Kwaye le yimibuzo emithathu engundoqo malunga nokutshala imali kwiimali ezihlangeneyo esiza kuzilungisa apha:
Ukuthenga i-Mutual Funds
Ukuthenga iimali eziphathekayo kulula kodwa kukho amanyathelo amanyathelo athathathekayo ngaphambi kokuwathenga. Okokuqala, ufuna ukwazi injongo yotyalo-mali. Le njongo ichazwa njengenjongo yotyalo - mali , echaza ngokucacileyo izizathu zokuthenga iimali kunye kunye nento ofuna ukuba bayenzele yona ngaphandle kokukwenza imali. Imizekelo yeenjongo zophuhliso ziquka ukugcinwa kwemfundo okanye umhlalaphantsi.
Emva kokuba uyazi injongo yakho yotyalo-mali, kunye neminye imiba ebalulekileyo yokuthenga imali echazwe ngezantsi, ungaqalisa inkqubo yesigqibo apho uza kutyalo imali kwimali.
Esi sigqibo siqala ngokukhetha utyalo-mali okanye usebenzise umcebisi . Ngethamsanqa, iimali zombini zilula ngokwaneleyo ukutyalomali kwaye zithenge ngaphandle kokuncediswa ngumcebisi-mali okanye umgcini-mali. Kwaye ekubeni ufunda eli nqaku, mhlawumbi uncike kwi-way-yourself-yourself way.
Ukucinga ukuba ufuna ukwenza imali yakho kunye neengxowa-mali ngaphandle komcebisi, unako ukutyalombela ngenye yeenkampani ezingenanto ezingenayo imithwalo , ezifana neVanguard, Fidelity, kunye ne-T. Rowe Price, okanye nge-broker isaphulelo njengoCharles Schwab okanye Scottrade. Iingxowa-mthwalo zisoloko zilungele ukuzenza-abatyala-mali-mali ngenxa yokuba zihlala zineendleko eziphantsi kakhulu, ezinokuthi ziguqulele ukwenza imali eninzi ngeemali ezihlangeneyo ngexesha elide, xa kuthelekiswa nemali ephezulu yemithwalo yemali.
Emva kokuba uvule i-akhawunti, leyo ingaba yi-akhawunti yomrhwebi, i-akhawunti yomrhweba kunye kunye ne-Akhawunti yomhlala-phantsi ye-Individual Retirement Account (IRA), inkqubo eyona nto yokuthenga i-fund eyodwa iya kubandakanya ukungena kwi-akhawunti yakho kwi-intanethi, ukukhetha ukuxhaswa kwezimali kunye nokwenza i-yorhwebo, edla ngokucacisa inani elithile leedola. Gcina ukhumbule ukuba ezininzi iimali zentengiso zincinci zokuthenga ubuncinane ezingaphezu kwama-$ 1,000. Emva kokuthenga kokuqala, ungathenga ngokuncinci njengamaxabiso angama-100 eempahla zokwabelana ngemali ngexesha elinye.
Iindlela eziPhambili
Ukuba ufuna ukwenza imali kunye nemali yomnye, esinye sezibonelelo zakho ezinkulu kakhulu ixesha. Ekubeni iimali zengxowa-mali ziyakwazi ukuguqulwa kunye nokuhla ngexabiso, inzuzo yotyalo-mali yakho iya kunyuka kwaye iphantsi kwaye ukuguqulwa kwezinto kuthethwa kakhulu ngexesha elifutshane.
Ngokomzekelo, iingxaki zokwenza imali kunye nemali yokubambisana ngemini enye kwimarike iphantse iphoswe ngemali; ukwenza imali phezu konyaka omnye kunaphezulu kunezinga elilinganiselwa kuma-50% kodwa kusekhona ukudlala; kodwa ukwenza imali kunye neengxowa-mali ezidlulileyo kwixesha elide, ngokukodwa iminyaka eyi-10 okanye ngaphezulu iphakamileyo kuneengxaki ezingama-90%.
Ngako oko indlela efanelekileyo yokufumana imali kunye nemali ehlangene ayikho ekukhetheni imali okanye ngexesha lokubamba ixesha elide. Njengoko ilizwi lisithi, "ixesha kwiimarike libhetele kunexesha lokuthengisa." Kwaye kunye nalolu cwangciso lokuthenga kunye nokubamba imali , uya kufuneka uqhubeke nokuthenga izabelo zeemali zakho ezikhethiweyo ngexesha lokubamba. Ngokucacileyo, wenza imali ethe xaxa kunye neengxowa-mali xa uthe wongeza imali kwizabelo zakho. Yaye xa uthengela amashishini ngezikhathi ezithile, njengenye kanye ngenyanga, uya kwenza into ebizwa ngokuba yi-dollar-cost cost, enokukunceda ukukhulisa imali yakho ngexesha.
Ukukhetha iNgxowa-mali
Iimali eziphambili zokwenza imali yilapho ukhululekile ukubamba, nangona xa iimarike ziwela. Uyazi njani ukuba yiziphi iimali ezingcono kuwe? Unokuqala ngokuvavanya kokunyamezela kwakho ngengozi ngenye into ebizwa ngokuba ngumbuzo wemibuzo yokunyamezela umngcipheko . Oku kuya kufaka indlela ongayisebenzisa ngayo ngaphandle kokuthengisa amasheya ngethuba.
Xa usayazi injongo yakho yokutyalo-mali, njengoko kuxoxwe kwiNyathelo enye ngasentla, kwaye uyazi ukunyamezela kwakho, unokukhetha iimali ezingcono. Okubalulekileyo, uza kufaka imali kwiingxowa-mali ezingenako ukufumana ubuninzi ngaphandle kokuthatha umngcipheko omkhulu kangangokuthi awuyi kukhululeka.
Isishwankathelo, indlela efanelekileyo yokufumana imali kunye kunye nokusetyenziswa kweemali kukusebenzisa ixesha njengesiqabane sakho (utyalomali kwasekuqaleni komsebenzi), qhubeka uthenga amashishini rhoqo, kwaye ube nobudlova njengoko unako ngaphandle kokulahlekelwa ubuthongo ebusuku ubakhathazeke ngeemarike zamasheya. Emva kokuba ubeka ibhola ukunyusa ukutyalo-mali kwiimali zentsebenziswano, ungavumela iphothifoliyo yakho yenza umsebenzi ngelixa uhamba ngayo ngobomi bakho.
Ngoku ulungele ukwakha iphothifoliyo yemali !