Ingeniso
Ngelixa utyalo-mali oluninzi lunikeza uhlobo oluthile lwenzuzo, iibhonkco zivame ukubonelela ngemithombo ephezulu kunye neyona inokuthenjwa. Ngamaxesha apho amaxabiso atshabalalayo aphantsi, kusekho ezininzi izinto ezinokukhetha (ezifana nezibophelelo eziphezulu okanye i- matyala ephumayo ) ukuba abatyali-mali bangasebenzisa ukwakha iipotifoliyo eziya kuhlangabezana neemfuno zabo zengeniso. Okubaluleke kakhulu, i-potifoliyo yezibophelelo ezihlukeneyo zinganika izivuno ezifanelekileyo kunye nezinga eliphantsi lokungabi nantoni kunamalungelo, kunye neengeniso eziphezulu kunemali yemarike yemali okanye izixhobo zeebhanki. Iingxowa-mali ke ngoko zikhethwa ngabantu abafuna ukuhlala kwiingeniso zabo zentengo-mali.
Ukuchithwa
Phantse bonke abatyali-mali baye bakuva ibinzana elithi "musa ukubeka amaqanda akho ngebhasikidi enye." Kusenokwenzeka ukuba i-cliché, kodwa i-wisdom yayo ihlolwe ngexesha. Ngexesha elide, ulwahlulo oluninzi lunokunika abatyalo-mali imali engcono yokubuyiselwa ingozi (ngamanye amagama, inani lokubuyisana ngokumalunga nenani lomngcipheko) kunama-portfoliyo anokugxininisa.
Okubaluleke ngakumbi, iibhondi zinokunceda ukunciphisa ukungabi nantoni-kwaye kugcinwe imali-mali-kubalimi-mali-mali ngexesha lexa i-market market igwa.
Ukukhuselwa kweNqununu
Utyalo-mali oluthatyathwayo luncedo kakhulu kubantu abasondeleyo kwindawo abaya kudingeka ngayo ukusebenzisa imali abaye batyala-umzekelo, umtyalomali kwiminyaka emihlanu yomhlalaphantsi okanye umntu ofuna ukuthabatha iifowuni zekholeji yabantwana ukuba bahlawule isikolo.
Ngelixa iifaki zikwazi ukungazami ngokukhawuleza ngexesha elifutshane - njenge-crash ka-2001-2002 okanye inkathazo yezezimali ka-2008 - iphothifoliyo yezibophelelo ezahlukeneyo akunakwenzeka kakhulu ukuba ilahlekelwe yilahleko enkulu ngexesha elifutshane. Ngenxa yoko, abatyali-mali bavame ukunyusa ulwabiwo lwabo kwiholo elingenisiweyo, nokunciphisa ukwabiwa kwabo kwii-equity, njengoko basondela kwiinjongo zabo.
Iingeniso Zentlawulo Zentlawulo
Ezinye iintlobo zeekhonkco zinokuba luncedo kwabo bafuna ukunciphisa imithwalo yabo yentlawulo . Nangona inzuzo kwimali yebhanki, imali eninzi yemarike yemali, kunye nemali iyabhalwa ngaphandle kokuba ibanjwe kwi-akhawunti ehlawulwe irhafu, inzala kumabhondi kamasipala ayinaso irhafu kwi-federal level kwaye, ukuba abatyali-mali abanesibhambathiso sikamasipala esikhutshwe lumente apho bahlala khona, kwinqanaba likarhulumente ngokunjalo. Ukongezelela, imali engenayo evela kwiiNondyebo zase-US ayikho irhafu kwinqanaba likarhulumente nakwimimandla. Ngelixa kunengqiqo ukutyalo-mali kwii-secured securities, ngokukodwa kubatyalomali kwiibhanki zerhafu eziphantsi, i-universe engenayo engenayo inika inani lezithuthi zabatyalimi abangasebenzisa ukunciphisa umthwalo wabo werhafu.
Ngaphantsi
Izibhanki azizenzeli ingxoxo enomdla kumaqela okutya, kwaye ayifumananga ngokukhawuleza kwenkcazo yezemali ngokumalunga nezitokisi.
Sekunjalo, izibophelelo zinokusebenzisa uluhlu olubanzi lwezinto ezisetyenziselwa abatyale-mali.
Ukuziphendulela : Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lithathwe njengengcebiso-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso. Thetha kumcebisi wezezimali kunye neengcali zerhafu ngaphambi kokuba utyalomali.