Iimpahla ezithandathu ozifaneleyo ngoku
Kwiipotifoliyo ezahlukileyo, ixabiso alihambisani . Xa umntu ephakama, enye iyawa. Inciphisa umngcipheko jikelele ngenxa yokuba, kungakhathaliseki ukuba uqoqosho lwenza ntoni, ezinye iiklasi zeefa ziya kuzuza.
Bakhohlise ilahleko zabanye. Kukho nethuba elincinci lokuba yonke iphothifoliyo iya kupheliswa naliphi na isiganeko esisodwa. Yingakho iphothifoliyo eyahlukeneyo iyona nto ikhuselekileyo kwiinkcenkceshelo zemali.
Umzekelo woMsebenzi weDissification
Amasheya enza kakuhle xa uqoqosho lukhula. Abatyalomali bafuna ukubuyiswa okuphezulu, ngoko ke bafaka intengo yamasheya. Bazimisele ukufumana umngcipheko omkhulu wokutshatyalaliswa ngenxa yokuba banethemba ngekamva.
Izibondlo kunye nezinye izibambiso zengeniso ezizinzileyo zenza kakuhle xa uqoqosho luyehlisa. Abatyalomali banomdla kakhulu ekukhuseleni ukugcinwa kwazo. Bazimisele ukwamkela iintlawulo eziphantsi ukwenzela ukuba ukunciphisa umngcipheko.
Ixabiso lemveliso, njengengqolowa, ioli, negolide, ziyahluka ngokubonelela kunye nokufuna. Abazilandeleli izigaba zomjikelo woshishino ngokukhawuleza njengezikhokelo kunye nezibophelelo.
Faka ezi ziKlasi zeAsset Six ukuze Uhlule iPortfolio yakho
Iphothifoliyo eyahlukeneyo kufuneka iqulethe izitokethi ezi zilandelayo ezintandathu zeempahla zeefa.
Iimpahla ze-US . Ezi ziquka i -cap-small, cap- middle, ne -cap-cap .
US income . Ikhuselekileyo yi-US Treasury kunye nezibophelelo zokugcina . Ezi ziqinisekisiwe nguRhulumente waseburhulumenteni. Izibophelelo zikamasipala nazo zikhuselekile kakhulu.Ungakwazi ukuthenga iiNgxowa-mali zeBond ezifutshane kunye neeMali zeMali zeeMali ezifaka imali kulezi ziqinisekiso.
Izibophelelo zenkampani zibonelela ngokubuyisela okuphezulu kunye nobungozi obukhulu. Iindleko eziphezulu kakhulu kunye nomngcipheko ziza kunye nezibopho ezingenanto .
Izitoko zangaphandle . Ezi ziquka iinkampani ezivela kwiimarike eziphuhlisiweyo kunye ezikhulayo. Unako ukufezekisa ulwahlulo olukhulu xa utyalo lwangaphandle. Utyalo-mali lwamazwe ngamazwe lungavelisa ukubuyela okuphezulu kuba iimarike ezivelayo zikhula ngokukhawuleza. Nangona kunjalo, batyalo-mali abatshabalalayo ngenxa yokuba la mazwe aneendawo ezikhuselekileyo zebhanki ezisemgangathweni ezikhoyo, zinokuthi zithintele utshintsho lwezopolitiko, kwaye zingabonakali. Utyalo-mali lwangaphandle luye lwalubhekene nelokuhla kwedoli . Kungenxa yokuba iinkampani zase-US zenza kakuhle xa idola libuthathaka, kuba likhuthaza amazwe angaphandle. Iinkampani zamanye amazwe ziqhuba kakuhle xa idola liqinile, kwaye ukuthumela kwabo kwi-US kungabizi.
Imali engenayo engaphandle . Ezi ziquka zombini imiba kunye nekarhulumente. Bakhusela ukukhuselwa kwidola. Zikhuselekileyo kunezitshixo zangaphandle.
Iimpahla. Oku kubandakanya izibonelelo zendalo ezifana negolide, ioli kunye ne-estate. Igolide kufuneka ibe yinxalenye nayiphi na utyalo-mali olwahlukahlukileyo kuba yinqaba elungileyo ngokubhekisele kwi- market crash . Uphando lubonisa ukuba amaxabiso egolide aphakama ngokukhawuleza iintsuku ezili-15 emva kokuphazamiseka.
Ngaphezulu, jonga Kutheni Utyalole kwiGolide? .
Kufuneka udibanise ubulungisa ekhaya lakho kwisicwangciso sakho sohlobo. Ukuba ukulingana kwakho kuya kunyuka, ungathengisa ezinye iimali-mali, ezifana ne-REITS, kwi-portfolio yakho. Unokucinga kwakhona ukuthengisa ikhaya lakho, ukuthatha inzuzo, nokunyuka kwindlu encinci. Oku kuya kukuthintela ukuba ube nobutyebi bendlu kodwa u-cash-poor. Ngamanye amagama, awuyi kuba nawo onke amaqanda okutshala imali kwibhayisiki yakho yasekhaya. Abaninzi abacebisi-mali-mali ababalanga ubulungisa kwindlu yakho njengotyalo-mali lwezindlu. Kungenxa yokuba bacinga ukuba uya kuhlala uhlala khona ubomi bakho bonke. Ngamanye amazwi, bayibona njengemveliso ehlawulelwayo, njengemoto okanye isiqandisisi, kungekho utsalo-mali. Oko kwakhuthaza abaninzi bezindlu ukuba baboleke ngokulinganayo emakhaya abo ukuthenga ezinye iimpahla zabathengi.
Xa amaxabiso ezindlu ayehla, ayenetyala ngaphezu kwendlu. Abantu abaninzi bahamba emakhaya abo ngelixa abanye bevakalisa ukutshatyalaliswa.
Ulwahlulo kunye nolwabiwo lweeAfa
Unokufaneleka kangakanani ukuba ube neklasi nganye yeefa? Akukho bukhulu bomlinganiselo-obukhulu-bonke abatsha-mali abahlukeneyo. Abatyalomali basebenzise ulwabiwo lweefa ukuze baqulunqe ukuxuba ngokuthe ngqo kwamasheya, iibhondi, kunye neemveliso. Kuxhomekeke ekuthuthukisweni kwamanqanaba asemngciphekweni, iinjongo zakho, kunye nalapho uhlala khona. Ngokomzekelo, amasheya ayingozi kunezibophelelo. Ukuba udinga imali kwiminyaka embalwa ezayo, kufuneka ubambe izibophelelo ezingaphezulu kunomntu onokulinda iminyaka elishumi. Ngoko ke, ipesenti yohlu luhlobo lwee-asethi zeklasi lixhomekeke kwiinjongo zakho. Zifanele ziphuhliswe kunye nomcwangcisi wezemali.
Kufuneka uhlalisane ngokuxhomekeka kwisigaba samanje somjikelezo wezoshishino . Kwisigaba sokuqala sokuphucula, amashishini amancinci enza okulungileyo. Baye ngabokuqala ukuqaphela ithuba kwaye banokusabela ngokukhawuleza kunamashishini amakhulu. Izitokisi ezinkulu zentloko zihamba kakuhle kwinxalenye yokugqibela yokubuyisela. Banemali engaphezulu yokukhangela amakhampani amancinci.
Qaphela izibhamu ze-aseset . Yilapho ixabiso leyiphi na iklasi ye-asethi iphakama ngokukhawuleza. Kuqhutywe ngabathengi. Ayixhaswa yixabiso langempela. Ukuphindaphinda rhoqo kukukhusela kwiibhola ze-aseset. Umele uthengise nayiphi na impahla ekhulile kakhulu kuthatha i-portfolio yakho eninzi. Ukuba ulandela lo myalelo, awuyi kuba nzima kakhulu xa ibhola liqhuma.
Kwi-portfoliyo ehlukeneyo, ixabiso elixabisekileyo alinakulinganiswa namanye amaxabiso. Ekubeni ubunzima bezemali, amasheya kunye nezinto eziphathekayo zidibene (0.6). Ngoko unayo imasheya yase-US kunye neemveliso zeemarike zamazwe ngamazwe (0.93). Ngoko ke, ukuba unayo izitokisi zase-US, akukho zintlobo zokufumana iintengiso kwiipoteli. Zihamba ngendlela efanayo nezitokisi.
Ngokutsho koPhando lweVanguard , i-asethi kuphela into engahambelani ne-stocks yi-US Treasurys (-0.3). Kodwa oko akuthethi ukuba kufuneka ubambe iimasheya zase-US kunye ne-US Treasury. Iya kukukhusela engozini, kodwa ayiyi kukunika ukubuyisela okuhle. I-Vanguard ifumene ukuba iipotifoliyo ezahlukahlukeneyo eziqulethe zonke iiklasi ze-asethi ezikhankanywe ngentla zibonelela ngokubuya ngokusemgangathweni kuphela.
Xa i-Mutual Fund okanye iNkcazo yeNgxowa-mali i-Investment Diversified Investment
Ingxowa-mali kunye kunye neengxowa-mali yenkxaso-mali inikezela ngeentlobo ezahlukeneyo kunokhuseleko lomntu ngamnye. Kungenxa yokuba zilandelela isithwaba samasheya, iibhondi, okanye iimveliso. Ingxowa-mali okanye i-index iya kuba yi-investment ezahlukeneyo ukuba iqulethe zonke iiklasi ze-asethi. Ukuze uhlangabezane neemfuno zakho, kuya kufuneka ukuba ulungelelanise ezo zixhobo ngokwemiqathango yakho. Emva koko, kuya kutshintshwa kuxhomekeke kwinqanaba lomjikelo woshishino.
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