Uyazi ukuba ufuna ukuqala utyalo-mali, kwaye mhlawumbi unamehlo akho kwisitokethi esithile ocinga ukuba uthembisa. Kodwa xa ukhangela ezinye zexabiso lentengo ngaphandle apho, ngokukhawuleza akubonakali kuyingozi. Iinkampani ezininzi ezithengiswa esidlangalaleni zinokwabelana ngamaxabiso enyakatho yeedola ezili-100, kwaye ezinye, ezifana ne-Amazon kunye ne-Alphabet Inc. (inkampani yomzali we-Google), i-$ 1,000. Ufanele utyalwe njani ukuba awukwazi ukuthenga enye isabelo esinye?
Iindaba ezilungileyo kukuba akudingeki ukuba uthenge isabelo sonke ngexesha. Iqhinga elibizwa ngokuba yi-invested fractional likuvumela ukuba uthenge izabelo zesabelo. Nantsi indlela esebenza ngayo.
Ulwabiwo olunjani?
Njengoko mhlawumbi ungenayo, isabelo esahlukileyo siqhekeza sabelo esipheleleyo. Ngokuxhomekeke kwinkampani otyalomali okanye umthengisi oyisebenzisayo, kunokwenzeka ukuba uthenge inxalenye yesabelo. Ngoko ke, ukuba isabelo sibiza i-$ 100, kwaye unayo i-$ 25 kuphela yokutshala imali, unokukwazi ukufumana enye yesine yesabelo. Usenayo ukutyalomali kwinkampani, kodwa akudingeki ulinde uze ugcine ufumane ngokwaneleyo ukuthenga isitotyi sonke.
Izabelo ezichaseneyo nazo zibangelwa kwi-stock division and mergers and acquisitions. Nangona kunjalo, ngaphandle kokuba usenayo isitokisi kwinkampani enikezela ukwahlukana, okanye echaphazelekayo kwezinye izinto zokuthengisa, ezi ndlela zokufumana izabelo ezincinci akusebenzi kuzo.
Enye yeendlela ezilula ukuthenga izabelo ezinqamlekileyo zikwahlula iiplani zokubuyisela imali.
Ukuba ufumana izabelo kwisitokisini , i-fund, okanye i- ETF , abanye abadayisi kunye neenkampani zizicwangciso ezizenzekelayo zokubuyisela ezo zihlomelo ukuthenga izabelo ezininzi. Kwiimeko ezininzi, unokufumana i-$ 15 kwizabelo. Isabelo sokubuyisela siya kuthenga ngokuzenzekelayo izabelo, ngokusekelwe kwintengo ekhoyo yamasheya.
IiNzuzo zoTyalo-mali
Xa utyalomali usebenzisa ii-fractional shares, uzuza ngokunyanelana nokusebenza kakuhle. Unokuqala ukufumana iimbuyekezo kwimali yakho ngaphambili. Ngokuxhomekeke kumthengisi oyisebenzisayo, kunye neenkampani ozifumanayo, kunokwenzeka ukuba uqale utyalomali kunye ne-$ 5 xa uqeshi isicwangciso-mali sokutyalombela. Njengoko uyazi, ekuqaleni uqala ukutshala imali (kwaye usebenzise inzuzo yokubuyisela), kulunge ukuba uhlala ixesha elide.
Ngaphezulu, ngokutyalomali-mali, unethuba lokutshala imali kwiinkampani onokuthi ungakwazi ukuzenza. Uninzi lwethu alukwazi ukuthenga kuphela isabelo se-stock price. Utyalo-mali oluthathaka luninika ithuba lokuba nenxalenye encinane yeenkampani-kwaye uzuze ngendlela encinci kwimpumelelo yabo.
Ukwenza ulwahlulo lwezicwangciso zokubuyisela i-dividend kungaba yindlela ekhethekileyo yokwakha iphothifoliyo yakho kunye notyalo-mali. Isahlulo siyinxalenye yengeniso yenkampani. Ufumana inkokhelo ngokusekelwe kwimiba emininzi. Ukuba uvumela ukuba uhlawulele ngokuzenzekelayo, uthenge amanye amasheya ngokuhlawula nganye intlawulo. Kwaye, njengoko uthengela izabelo ezingaphezulu kwezabelo kunye nesahlulo sakho, ukwandisa ubungakanani bentlawulo yakho elandelayo.
Umjikelezo wokuzihlaziya okukunika uncedo ngexesha elifutshane.
Ukuthengwa kweeSahluko
Uninzi lwabaxhasi be-discount discount ezinikezela ngezicwangciso zokutshala ngokuzenzekelayo zikwavumela ukuba uthathe inxaxheba kwi-investment investment fraction. Ukuba uvuma ukutyalwa imali ehleliweyo nyanga nganye, umthengisi uya kuthengisa ngokuzenzekelayo (ngokusekelwe kwintengo) yokukhetha kwakho, i-ETF, okanye izabelo ze-fund. Oku kunokuthetha ukuba izabelo ze-fractional ukuba imali oyityalayo ayaneleyo ukuthenga isabelo esipheleleyo.
Fumana ukuba umthengisi we-intanethi ozikhethayo uvumela utyalo-mali. Qaphela, nangona kunjalo, ezininzi zezi nqanaba ziza kuvumela kuphela ukuba ubhalisele isicwangciso ngokuzenzekelayo. Ukuba uthengisa ngezinye izihlandlo, usenokungakwazi ukuthenga iqhezu yesabelo.
Ungakwazi kwakhona ukuqalisa kunye ne-robo-advisors kunye neenkwenkwezi ezinqamlekileyo ezenza kube lula kuwe ukutyalomali xa unamadola ambalwa ngenyanga.
Iinkampani ezinjengeNgcaciso, iMotif , iStash, kunye neNgcaciso yonke inika i-fractional investment.
Ukuba uqala nje njengomtyalo-mali, nokuba kunjalo, kungengqiqo ukuqala ngemali yenkcazo, njenge-S & P 500 ETF. Nangona kungenjalo ukufana ne-Apple okanye i-Alphabet Inc. (isitifiketi se-Google parent), ukutshala imali kwingxowa-mali equka izi sitokhwe kukuvumela ukuba uzuze kwi-stock. Ngaphezulu, uyazuza kwi-intanethi ebanzi kwimarike, kunokuba ubukele iphothifoliyo yakho iphile okanye ifile ngendlela esenza ngayo amasheya ambalwa.
Sebenzisa izabelo ezinqamlekileyo ukuqala ukutshala imali namhlanje, ukwakha isiseko sepotfolio yakho. Njengoko ufunda ngokubanzi malunga nokutshala imali, kwaye njengoko uqala ukubuyisa imbuyekezo, unokucwangcisa isicwangciso sakho ukufaka iintlobo ezahlukeneyo zeempahla, kwaye uqale ukuthenga izabelo ezipheleleyo zezinye izinto ezibiza kakhulu .