Uluhlu Luni Lokuziphatha Utyalo-mali?

Yenza izigqibo ezingcono zezezimali xa ugwema i-gap yokuziphatha.

Isithuba esikhona phakathi kweerhafu zokubuyiselwa xa i-investor yakha iipotifoliyo eyahlukeneyo kunye namazinga okubuyiswa afunyenwe ngabatyalo-mali abahambisa imali yabo ngeempembelelo zemvakalelo kuyo yonke into eyenzeka kwiimarike. Iphothifoliyo eyahlukeneyo iyalinganisela kwaye iyakwazi ukumelana nezivunguvungu ezintle ezinzima, ingakumbi kwixesha elide. Abatyalomali abavumela ukuba iimvakalelo zabo zithathe kwaye abahambisa imali yabo ngeenxa zonke kwimpendulo yokuguqa ngamadolo bafumana imali engaphantsi.

I-Gap Yokuziphatha

UCarl Richards, umbhali, umculi kunye nomcebisi wezezimali, waqulunqa igama elithi "ikhefu lokuziphatha" ukuchaza umahluko phakathi kweembuyekezo eziphezulu apho abatyali-mali bangakwazi ukufumana kunye neentlawulo ezingaphantsi ngokwenene abazenzayo ngenxa yokuziphatha kwabo. abuyisele ngenxa yokutyalomali abatyunayo kodwa ngenxa yendlela abasebenzisa ngayo ezo zityalo-mali. Ukuba ngaba abatyali-mali baziphatha ngendlela eyahlukileyo ngelixa besetyenzisile ezo zimeko-mali, baya kuba nemiphumo engcono.

Umsebenzi kunye neNcwadi

Unokufunda indlela yokuphepha ukuxhatshazwa kwezenzo zakho kwiincwadi ezintle kakhulu zeCarl Richards, i-Gap ye-Behavior, Izindlela ezilula zokuMisa ukwenza izinto ezixakile ngemali. U-Richards unikezela ngemifanekiso ephakamileyo eneempawu ezibonisa umdla ngokukhetha kwethu. Izakhelo zakhe zifunyenwe kwiofisi zocwangciso lwezemali kulo lonke ilizwe.

Umsebenzi wezeMfundo kwiGap yokuziphatha

Zininzi iindlela zokuziphatha kwemali eziye zabhalwa yintsimi yokufunda ebizwa ngokuba yimali yokuziphatha okanye i-economics yokuziphatha.

Le ntsimi yocwaningo yaqala ukufumana umva emva ko-2002 xa uDaniel Kahneman wanikezelwa iSigwebo seNobel kwi-Economics emsebenzini wakhe malunga nokuthatha izigqibo zemali.

Uya kufuna ukufunda okungakumbi malunga nezimali zokuziphatha ukuba umnqweno wakho kukuba ngumtyalo-mhle. Ngokuqonda indlela oziphatha ngayo kunye nokwehlisa kwakho, unokuphucula ukwenza izigqibo zemali.

Incwadi eyaziwayo kwinqaku kunye neNew York Times eyithengisa kakhulu, i-Nudge ingakwazi ukunika ingqiqo indlela engqondweni yakho inokukhohlisa ngayo ukwenza izigqibo zemali ezingenakunceda.

Ukuphepha i-Gap yokuziphatha

Unokuphepha iimpazamo ezininzi zemali ngokulandela indlela yokuqeqesha kunye nokuthembela kwinkqubo enengqiqo yokwenza izigqibo zemali. Ukuba usebenzisa indlela ehlaziyiweyo yokuhlalutya, kufuneka kukuncede ukuba ugweme ukwenza iimvakalelo ezithandekayo, ezithandabuzayo malunga nokutyalomali ngexesha lobunzima .

Ngaba uMcwangcisi wezeMali unokunceda Uphephe i-Gap yokuziphatha?

Ukusebenzisa iinkonzo zomcebisi wezemali okanye umcwangcisi wezezimali unokubonelela ngesiphakamiso phakathi kwemizwa yakho kunye nezigqibo zemali ozibophelelayo. Inokukunceda ukuba uphephe iimpazamo eziqhelekileyo ezibangelwa yi-gap yokuziphatha.

Kuyathakazelisa ukuba kukho neengcingo zokuziphatha malunga nokuqonda ukuba ngubani umcwangcisi wezemali okwenene ngokwenene, ngoko kuthatha ixesha ukuba ufunde ukungafani phakathi kocwangciso lwezemali, icebo lotyalo-mali kunye nokucwangcisa umhlalaphantsi ngaphambi kokuba ufune iinkonzo. Ngamnye uyinkonzo ekhethekileyo kwaye idinga uhlobo oluthile lobuchule.

Isixhobo esinamandla kunazo zonke onakho

Unesixhobo esinamandla esilunokuthi sinokukunceda wenze izigqibo ezingcono zezezimali: Kukwazi kwakho ukufunda nokuzifundisa.

Musa ukuchitha imali yakho eyimali ngokufumana izigqibo zemali. Gcina ixesha elithile ekufundeni amaphephancwadi ahloniphekileyo emali , iincwadi zeendaba kunye neencwadi.