Indlela esi sicwangciso esinokukunceda ngayo ukukhulisa utyalo-mali
Ndiyazi-mhlawumbi izwakala njengegrigon. Hlala nam.
"I-asethi" inokuba yintoni na evela kwikhaya lakho ngakwesokudla sakho ukuqokelela izibonelelo kwiincwadi ozibhalileyo. Kodwa xa abantu bachaza ukwabiwa kwempahla, bahlala bexoxa ngemali-imali-into oyifakayo kwimarike yempahla.
Usebenzisa le mali ngeendlela ezintathu eziphambili: Uthenga iinkampani. Unika imali mboleko. Okanye uyigcina imali.
Iinkampani zokuthenga
Xa uthengela izabelo zesitokisi, uthengisa "amanani." Xa uthenge isabelo se-Apple stock, uba yinxalenye yenkampani. Unayo "ubulungisa" kwi-Apple.
Ukuba awufuni ukuthenga isitom ngokuthe ngqo, ungathenga i-fund ephethe iLOT yeevenkile ezahlukeneyo. Iimali zokubambisana kunye neenkcukacha zenkxaso-mali, umzekelo, ziqokelelwe ezininzi zeentlobo zeempahla, zihlanganiswe ndawonye kwidikethi enye efanelekileyo.
Ukunika Imali
Xa uthenga i-bond, unika imali mboleko kuyo nayiphi na iqela "elikhutshwe" (liceliwe) loo mboleko. Ukuba uthengisa ibhondi yenkampani , umzekelo, unika loo nkampani mboleko. Inkampani kufuneka ikuhlawule umdla kuloo mboleko. Inayo "isicwangciso sokuhlawula" kwisalathisi esicwangcisiweyo. Umzekelo, kunokuhlawula umdla kanye ngenyanga, okanye kanye emva kweenyanga ezintathu.
Yingakho oku kubizwa ngokuba yi-investment income-income-income: ufumana inzuzo kwishedyuli echanekileyo.
Gcina kwiCash
Ungakwazi kwakhona ukugcina imali yakho ngemali rhoqo, elula ukuyiqonda. Okanye ungayifaka kwiSatifikethi seDisposithi , umzekelo wexabiso elilinganayo.
Ngoko Ulwabiwo lweeAfa?
Ulwabiwo lwe-asethi lithetha ukuba usasaza imali yakho phakathi kokuhlanganiswa kwamalungelo, imali engenayo engenayo kunye neengqinisomali zemali.
Ngaba oko akuyiyo ingqiqo ngoku?
Ulwabiwo lwee-asethi luyinxalenye eyintloko kwiqhinga lokutyalomali. Iiphothifoliyo yakho kufuneka idibaniswe, kwaye indlela ifa lakho elibelwe ngayo ngokukhetha ukuba ulwahlukileyo kangakanani. Ulwabiwo lweefa luya kutshintshwa njengoko uneminyaka yobudala ukuze ulungele ukutshintshwa kwimeko yokutya.
Umzekelo wolwabiwo-mali:
USara unama-$ 10,000. Uthatha isigqibo sokuba ahlukanise imali ibe yintsebenziswano yamanqanaba, imali engenayo, kunye nemali.
Okokuqala, unquma ukubeka iipesenti ezingama-60 zemali yakhe kwimali. Uqhubeka ukhetha ukwahlula phakathi kweenkampani ezinkulu ezinjengeCoca-Cola kunye neReebok, kunye neenkampani ezincinci abantu abaninzi abazange bazive.
Uthenga i-$ 4,000 kwiimali zenkcazo ezilandelela iinkampani ezinkulu kunye ne-$ 2,000 kwiimali zenkcazo ezilandelela iinkampani ezincinane. Leyo iyonke i-$ 6,000, okanye iipesenti ezingama-60 zemali yakhe, kwiimali.
Ubeka i-$ 3,500, okanye iipesenti ezingama-35 kwimali-mali engeniso. Ukwahlula le 50/50 phakathi kweebhilikhwe ze-US kunye noomasipala (isixeko).
Ekugqibeleni, ugcina i-$ 500 ngemali, ephethe i- akhawunti yemarike yemali.
Njengoko unokukuxelela, uSarah unobuninzi kwiindawo zakhe zokubamba. Akatyalomali ngokuthe ngqo kwiimpahla, izibophelelo, okanye imali. Kunoko, unomxube wezo zintathu kwiipotifoliyo zakhe, eziza kumnceda kakuhle xa kuthengiswa imarike.