Uninzi lwePortfolio yakho kufuneka lugxininiswe kwiiMveliso?

Iindlela zokuTyala imali kwizinto kunye neengozi zazo

Iimveliso ziye zaba ngaphezulu kotyalo-mali oluqhelekileyo ukususela ekupheleni kwekhulu kwaye kunokuba kunengqiqo ukunika i-potifoliyo yokutshala imali. Izinto zokuthengisa azihlawuli igalelo, kodwa nazo aziyi kuhoxiswa. Banokukunceda ukuhlula iipotifoliyo-mali jikelele, kodwa ukwabiwa kuxhomekeke kwindlela oceba ngayo ukutyalomali kuzo.

Uninzi lwabatyalomali banomuvo wokuvula i-akhawunti yeemveliso kunye nokuthengisa iikontrakthi zexesha elizayo ukuba ufuna ukutshala imali kwizinto eziphathekayo, kwaye leyo yimizila yendabuko kude kubekho uluhlu olubanzi lwezolimo-mali ezaza kwiimarike.

Into yokuqala yokuqwalasela yintoni ngokwenene ityala utyalo-mali kwizinto eziphathekayo. Kukho umahluko omkhulu phakathi kokutyalomali kwizinto eziphathekayo nokuzicingela kuzo. Ukuvula i-akhawunti yeempahla kunye nezivumelwano zentengiso yexesha elizayo ngaphandle kwamava okurhweba ayiyikutshala imali. Kufana nokucatshulwa kwaye yinto enkulu yengozi. Akuyena inxalenye yesikhundla sephothifoliyo yomhlala-mali.

Ixesha elizayo

Ixesha elizayo elilawulwayo mhlawumbi linye yezona ndlela ezifanelekileyo zokutshala imali kwiimakethi yorhwebo. Zilawulwa ngabachwephesha abavame ukutyalombela kwinani leempahla ezihlukeneyo kwaye bafumane ukubuyela ngokufanelekileyo kwithuba leminyaka. Ngokuqhelekileyo ayinakulinganiswa namanye amatyala anjengeemarike zamasheya, kwaye oku kunika iqondo elithile elininzi elinamandla kwi-portfolio.

Iimali ezilawulayo kwixesha elizayo abaphathi bezikhwama zihlala zikhokelwa yindlela yokwenza utyalomali olulandelayo. Le yindlela ebalulekileyo yokubamba ukunyuka okukhulu kwixabiso lentengiso, nokuba iphakame okanye iphantsi.

Abanye abatyali-mali badibanisa kwimali eyahlukileyo yexesha elizayo. Kunokuqiqa ukutyalo-mali kwi-fund elandelayo yenkxaso kunye ne-fund eqhuba amashishini kwimpahla.

ETFs

Enye yeendlela ezichanekileyo zokutshala imali kwizinto eziphathekayo kukungena kwee-ETF zexabiso. Kukho iintlobo ezahlukahlukeneyo zemali ezityalomali kwiqela elihlukeneyo.

Abanye bafaka imali kuphela kwixabiso elilodwa kunye nabanye batyala imali kwicandelo elithile lemveliso. Unokwenza utyalo lwakho utyalole kuyo nayiphi na into enokuyenza. Kukulungele ukuzama iqela elihlukeneyo xa ukhetha izinto ze-ETF zokutyalomali olude.

Enye yeemali ezithandwa kakhulu kwiimpahla ezidlulileyo kwiimali zithengiselwano. Izitokhwe ze-Gold-mining ziphakathi kotyalo-mali ozithandayo kwizinto eziphathekayo, kodwa sele zithandwa kakhulu ukutshala imali kwezinye izinto zokumbiwa kweemayini, ukubola kweoli kunye nezinye izinto zokugcina izendalo. Uninzi lwezityalo zezolimo ziye zaba ngamagama omzi, njengamaxabiso okusanhlamvu abeka irekhodi eliphezulu.

Kwixesha elide

Uhlobo oluthile lotyalo-mali oluthile kwizinto eziphathekayo lunokunceda ukuhlukana kweefowali zexesha elide kwaye luyakwandisa imbuyekezo yakho xa ubona umehluko phakathi kokucatshulwa kunye nokutyalomali.

Ukuba umnini-zimali ufuna ukunika i-15 ukuya kwe-15 ekhulwini kwipotfoliyo yakhe yokutshala imali kwizinto eziphathekayo, kufuneka ukuba kutyalo-mali lwangexesha elide oluya kuba liphakathi kwe-20 ukuya kwe-30 leminyaka. Ukuvula i-akhawunti yezorhwebo yorhwebo ngaphandle kwamava okurhweba okanye isicwangciso singenalo imali ngaphandle kokuba ekugqibeleni ufunde indlela yokurhweba kakuhle kwaye unokuhlala uyenza imali.

Ngokuqhelekileyo kuthatha ixesha elininzi, imali nemizamo yokwenza oko. Kuze kubekho isimo sifikelele, ukuthengiswa kufuneka kuthathelwe ingqalelo ukucatshungulwa kwaye kufuneka kubekho umngcipheko kuphela.

Iimpahla zihamba ngokuqhelekileyo kwiminyaka eyi-10 ukuya kwe-18. Indlela yokuthenga kunye nokubamba isebenza kakuhle xa ikhona kwimarike yenkomo ende.