Ngaphezulu kwexesha elifanayo leminyaka eli-100, ukunyuka kwamaxabiso okwenyuka kwamaxabiso angama-4 ekhulwini, ukushiya i-modest modest, kodwa engapheliyo eyi-6 ekhulwini. Umcebisi wezeMveliso uDuff & Phelps uvelisa i- Stocks, iBonds, iBills, kunye ne-Inflation (SBBI) Yonyaka Yonyaka (eyayisakuba yi- Ibbotson SBBI Yearbookbook ), eqokelela ulwazi olubanzi malunga nale ntlawulo kwincwadi yaso yonyaka.
Amasheya Musa ukuyenza rhoqo
Nangona iipesenti ze-6-pesenti yokubuyiswa kwexabiso lentengo yexabiso lihamba kakuhle, ngokutsho kophando oluqhutywe yinkampani yophando lwezolimo-mali Morningstar, ngexesha le-10 yeepesenti (ngaphambi kokunyuka kwamaxabiso) ukubuyiswa kwemarike, umtyalo-mali oqhelekileyo ngokwenene wathola kuphela i-3% . Ukhetho olubi oluninzi, ukuthengiswa kwexesha elide, abathengi beendleko eziphezulu, iimpahla zokuthengisa iimali, kunye neminye imirhumo kunye neeposiso ngasese, zifakela ininzi inzuzo yokutyalo-mali. Ukugcina iliso nganye kwezi zinto kufuna ixesha, umzamo nolwazi, ukukholisa abanye abantu ukuba bafune ezinye iindlela zokutshala imali kwisitokisi.
Abanye abantu abanalo umnqweno okanye isimo sokutshala imali kwiimpahla. Nangona oku kungakukhubaza nge sixhobo esincinane kwisibhobho sakho sokwakha ubutyebi, ukuzithengisa kwakho ngokunyanisekileyo kunokukunceda ukuba ugweme iimpazamo zokutyalomali ezizayo. Unako ukutyalo imali yakho kwezinye iindidi zeefa ukuze ufumane imali, uyanciphise umngcipheko wakho kwaye udibanise iphothifoliyo yakho .
Kwabo abatsha abatyale imali abatshabalalise umdla wabo kwiimasheya, uyazi njani ukuba ubuya kuba ngcono xa usulela ukutshala imali kwi-stock? Khangela le miqondiso:
Ufumana amaxabiso esitokisi ekuboneni ukugula njengokuba abanye abatyali-mali batyhakile kunokuba babone njengethuba lokubanjwa.
Awukwazi ukuchaza ukuba yeyiphi intengo yemfuno / ixabiso lokubuza kunye nokusasaza / umenzi wemakethe okanye okanye wenza.
Ulahlekelwa ubuthongo uze uxhalabise kakhulu malunga nokuba nesitokisi.
Uye wacinga, okanye uthe, "imakethe yemasheya ifana nekhasino."
Ucinga ukuba impahla ekwahlukileyo ibhonasi (inyaniso: ayinanto).
Awuqondi ukuba, ngezinye iimeko, i-$ 100,000 yesitokethi yesabelo ngasinye sinokuhlawuleka ngaphezu kwe-$ 3 yesahluko ngasinye.
Awukwazi ukufunda isitatimenti se ngeniso okanye ibhalansi .
Awukwazi ukwenza ingqiqo yengxelo yonyaka okanye 10K .
Awazi ukuba yintoni isivuno sokufumana isivuno.
Awazi ukuba yintoni umlinganiselo wexabiso lentlawulo .
Imarike yemasheya ilingana-ithuba lokufumana umntu ofuna ukufumana ulwazi okanye ukufumana umthengisi omhle ekubancediseni ukutshala imali, kodwa ukuba izibonakaliso ezikhankanywe ngentla apha, kukuqikelela ukujonga ezinye iindawo zokutshala imali yakho eyimali enzima. .
Ezinye iindlela eziDumileyo
Ukuba ufuna ukufumana intlawulo emva kwentela, ukubuyiswa kwexabiso lokungena kwemali ngaphandle kokutyalomali kwiisitokisi, ezinye iindlela ezikhethiweyo nezengqiqo zinezoshishino oziqhubayo kwaye unayo iphothifoliyo yexabiso lempahla eyimpahla eyenza ingeniso yerenti.
Wonke utyalo-mali unobuntu bakhe, kwaye akayi kuphazamisa abanini bezoshishino, kodwa kuthatha ubuchule obuhlukile, obuhlukeneyo obubekwe kuba ngumqhubi wezorhwebo. Abanye abantu abanezilumko, ukuba babefanele baqhube ibhizinisi elincinci njenge-Dunkin 'Donuts franchise, babeza kubhoxiswa ngonyaka. Uzakufuna ingqalelo kwiinkcukacha, iliso lokulawulwa kweendleko, ulwazi malunga nexesha lokutsalwa kweendleko zentengo ezithuthukisa amava kumakhasimende kunye nokwandisa inzuzo, kunye nenkqubo yokubeka iliso ukubuyiswa kwe-investment yakho-ngelixa linye ukukhusela ukuhamba kwemali, ukuhlawula abasebenzi, ukuphatha ilayisenisi zeshishini, nokubeka abacebisi abalungileyo endaweni. Abanye abantu baziva bevuyiswe kwaye baphelelwe ngumngeni, ngelixa abanye beziva bekhathele nje ngokufunda ngabo bonke ubunini benkampani yobuncinane budinga.
Abanini-zimali abaninzi bathatha ukuthenga kunye nokulawula utyalo-mali-mali ngenxa yezinto ezibonakalayo kwaye unokwenza i-income income. Uninzi lwezakhono eziphantsi kwalabo abatyale kwi-estate , kubandakanywa izindlu zokuqeshisa, izakhiwo zezindlu, izakhiwo zokugcina, ukuhlamba imoto, izakhiwo zeofisi, izakhiwo zoshishino, kunye neendawo zokuthengisa okanye izitifiketi ze-tax bond. Utyalo-mali ngamnye unenzuzo kunye nemivalo, ekhangelelanisa iintlobo ezahlukeneyo zabantu.
Akuyena wonke umntu othanda ii-Real Estate okanye amabhizinisi abucala
Masithi utshintshile imali kwi-real estate kwaye ube neyeshishini lakho, okanye mhlawumbi zombini ezo zikhethi zivakala okanye zingenakuthandeka. Unokuqwalasela ezinye iintlobo zee-asethi, ezifana nesilivere kunye negolide, imali kunye neemali zemali ezifana neengxelo zeemarike zemali okanye izatifikethi ze-deposit, i-currencies zangaphandle okanye izibophelelo zamashishini aphezulu. Ngolunye lwezo zikhetho zokutsalwa kwezimali unalo ikhefu lokufunda, iphrofayili yalo mngcipheko kunye neentlobo zazo zokubuyisa.
Xa uqwalasela ukhetho lwakho lokungenalo imali, ungagcini ngomnye wemithetho ekhadali yokutyalomali: Ungaze utyhale imali ongenakukwazi ukuyilahleka. Oko kuthethwa, sinqume ixesha elingakanani ofuna ukuba imali yakho ingene kwi-investment yakho, kwaye uqaphele ukuthengiswa kweemarike zee-asethi. Ngokomzekelo, ungathengisa kwaye uthengise i-stock kawonkewonke ngesaziso somzuzu kuba imarike inabantu abaninzi abathengayo nabathengisi. Ngenye into embi, ukuba utyalombile imali yakho kwimigatye, iimali zemali ezithengiweyo kunye neemoto zakudala kuba ezi marike zinezinto ezingaphantsi komsebenzi, kuya kufuna ixesha elide ukuhlawula imali yakho kwimeko apho wawudinga imali ngokukhawuleza. Izakhiwo kunye neemashishini eziphantsi kwazo zinomngeni onjalo, nangona zenza imithombo enokuthenjwa ethembekileyo xa ufuna ukuboleka ngemboleko kwimeko engxamisekileyo.
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.