Yenza Oku Ngaphambi kokuba Utyalole Uthi Zonke Uphando
Nasi umzekelo.
Yithi uye wakhankanya i-401 (k) ngo-2005 kwaye uyibeka yonke indlu. Oku kwakungeke kube yintlukwano, kuba bekuyi-100 ekhulwini kwi-estate. Ngenxa yoko, ngo-2008 ulahlekelwe isiqingatha sexabiso njengoko izindleko zezindlu ziphosa. Ukuba endaweni yoko, unenani elilinganayo lobutyebi bakho kwiimpahla, iibhondi kunye nokulingana kwekhaya, ubuya kulahleka kuphela iipesenti ezingama-30.
Iimodeli zokwabiwa kweeAset
Ubungakanani na oza kubelwa kwi-asethi nganye? Kuxhomekeke kwizinto ezintathu:
- Iinjongo zakho zotyalo-mali: Ngaba uceba ukuhlala umhlalaphantsi, usele umhlala-phantsi, okanye usindise imali yokuhlawula phantsi endlwini?
- Ixesha elide: Kuza kube nini ngaphambi kokuba ufune imali?
- Ukunyamezela ngengozi: Ngaba unokuma ukujonga utyalo-mali lwakho ngokukhawuleza ukwazi ukuba, ekuhambeni kwexesha, uza kufumana ukubuyiswa okuphezulu?
Nazi izibonelo:
| Injongo yoTyalo-mali | Ixesha lokuLinda | Ukunyamezela |
|---|---|---|
| UkuCwangciswa koMhlalaphantsi | Ende | Ephakamileyo |
| Ukugcina i-Downpayment | Mfutshane | Ephantsi |
| Umhlala phantsi | Ende | Ephantsi |
Iinjongo zakho, ukukhawuleza kwexesha kunye nokunyamezela kwengxaki kuza kugqiba imodeli omele ukuyisebenzisa.
Ukuba unako ukunyamezela umngcipheko omkhulu ukufumana ukubuyiswa okuphezulu, uza kufaka ngaphezulu kwiitokisti kunye nemali yokubambisana. Abo abanokunyamezela ngokunyamekela ingcinezelo baya kubamba iintambo. Abo banomthwalo wokunyamezela, okanye abafuna imali yabo kunyaka ozayo, kufuneka babe nemali engaphezulu.
Ukuba unexesha elide, unako ukukwazi ukubeka ngaphezulu endlwini yakho, kwaye ubukele ikhula.
Kuze kube ngongoma- mali we-2008 , izindlu zezindlu azizange ziwele. Ukuba unesithuba esifutshane, faka ngaphezulu kwiibhondi okanye nakwimali.
IiKlasi zeAsset
Iklasi nganye ye-asethi inikeza amazinga asemngciphekweni kunye nomvuzo. Nazi ezinye iiklasi zee-asethi eziqhelekileyo, zikhethwa ukusuka kumngcipheko omngcipheko ukuya kwi-riskiest:
- Iimali ezimbi kakhulu, kodwa ukubuyiswa kakubi xa usufumene indleko yokunyuka kwamaxabiso. Iimali zeemarike zemali kunye neziqinisekiso zokufaka idiphozi zikule candelo.
- Izibondlo : Kukho iintlobo ezininzi zeekhonkco, kodwa zonke ziyi -investments eziqhotyoshelweyo . Ikhuselekile kakhulu yi- US Treasury bonds . Ziyi-100 ekhulwini eziqinisekisiwe nguRhulumente wezepolisi kwaye zinikezela ngokubuyisela phezulu kunemali. Izibophezelo zombuso kunye noomasipala zinika ingozi enkulu kunye nomvuzo. Iibhondi zentsebenzo zinikeza ukubuyiswa okukhulu, kodwa unomngcipheko omkhulu wokuba uya kufezeka. Oku kunjalo ngokukodwa kwiimbopheleleko ezingenayo i-junk . Kufuneka ujonge kwakhona kwiibhanki zamazwe ngamazwe, kuquka amashishini atshabayo , kunye nakwikhaya.
- Iimasheya : Ezi ziingozi kunezibophelelo kuba ulahlekelwa yi-100 ekhulwini lwakho lotyalo-mali. Ngokuhamba kwexesha, amasheya anikezela ngokuphindaphindiweyo kakhulu kwaye uya kuphelisa intengo yemali. Kwimpahla ekhoyo, kukho iindidi zentlupheko emithathu esekelwe kwindlela enkulu inkunzi ngayo: i- cap encinane , i- cap cap kunye ne- cap enkulu . Njengezibophelelo, kufuneka ube neemveliso zentengiso kunye namazwe angaphandle.
Zininzi ezinye iiklasi okumele uqikelele ngazo:
- Indawo yokuhlala: Oku kubandakanya ukulingana kwindlu yakho, abacebisi abaninzi bezezimali ababalanga kuba uhlala kuyo. Kodwa ixabiso lingahlahloka. Uza kulahlekelwa lonke utyalo-mali lwakho xa uhamba phambili. Iyakwazi kwakhona ukukhawuleza, kukunyanzelisa ukuba ube nelikhulu kwiklasi ye-asethi enye.
- Iziphumo : Ezi zinika ingozi enkulu kunye nokubuyiselwa. Gcina ukhumbule ukuba ungalahlekelwa OKWENGEZIWE kunokuba utshalomali lwakho.
- Imveliso : Ingozi ingahluka ngenxa yokuba zininzi iintlobo. Nangona kunjalo, abatyali-mali abaninzi kufuneka babe neengxenye zeengxowa-mali ezihambelanayo neoli. Kufuneka kuphakame ngaphezu kwexesha elide njengoko kuphazamiseka. Akufanele ube neepesenti ezili-10 zokwabiwa kwegolide .
- Iingxowa-mali: Njengoko idola liyancipha kwixesha elide, kuhle ukuba nefa ibe neengxowa-mali zangaphandle njengeyuro. Ikhusela wena ekunciphiseni i-dollar. Umzekelo, xa idola libuthathaka, i-euro iyomelele . Eziqoqosho ezimbini ezixubekileyo zifana nobukhulu obufanayo, ngoko ke zikhuphisana omnye nomnye kwi- market forex.
Ulwabiwo lweSicwangciso soBuchule kwiActical Asset Allocation
Iinjongo zakho, ukukhawuleza ixesha, kunye nokunyamezela ukunyamezela kubonelele isabelo sakho sempahla . Xa unqumle isabelo sakho esiliqilima, ipesenti yepottoliyo yakho kwiklasi nganye ye-asethi iya kuhlala ifana. Awuyi kutshintsha isabelo sakho sokucwangcisa ngaphandle kokuba iinjongo zakho, ixesha elide, okanye ukunyamezela ukunyamezela. Iinyanga ezilisithandathu ukuya kwezilishumi elinesibini uhlaziya iiphothifoliyo yakho. Unokudinga ukongeza okanye ukususa kwiiklasi zeefa ezahlukeneyo ukuze uphinde uphinde ufumane isabelo sakho sempahla. Ukuba ama-stocks aphakama ama-20 ekhulwini uya kuba nobunzima kakhulu kwiimpahla . Uya kufuneka uthengise ezinye kwaye uthenge izibophelelo.
Nasi umzekelo xa ungatshintsha isabelo sakho esicwangcisiweyo. Uninzi lwama-investors lokunyamezela ngengozi luye lwahla emva kweengxaki zemali ka-2008. Kuze kube ngoko, uninzi lwabantu aluzange lubone ilahleko eziphazamisayo. Bathembisa ukuba abayi kuphinda bavuselele. Ulwabiwo lwakho lolwabiwo luguqulwa njengeminyaka yakho, kwaye ixesha lakho liba lincinci.
Ulwabiwo lwee-asethi zobuchule apho uhlaziya kwakhona iphothifoliyo yakho ngokuphendula kwimimiselo yemarike. Kudinga ukubandakanyeka okungakumbi kwaye kuyingozi. Ngokomzekelo, xa amaxabiso eoli awela ngo-2014 nangama-2015, ukwabiwa kwee-asethi ezinokubakho kungabikho kokugqithisa izinto. Umtyalo-mali uza kulindela ukuba amaxabiso aya kuhlawulela. Abanini-mali abanamava kuphela kufuneka bazame ukwabiwa kwempahla.
Ekujuleni: Inzuzo kwi-Cycle Business Khetha i-Good Mutual Fund | Iintlawulo zeMualual Funds? | AbaTyalo-mali ngabanye bathenge njani iiShishini?