Imarike yemasheya ingaba yindawo eyingozi , kwaye inzuzo ibe yenziwe kwaye ilahlekelwe ngombala welihlo. Nangona abaninzi abatyali-mali bathengiswa ngokubanzi, oku kuthetha ukuba balindele ukuba iimarike zikhuphuke, kwimihlaba ethile yezoqoqosho kunye nezopolitiko nokuba abatyali-mali abaninzi abanamathuba athile bafumana i-skittish. Xa abatshali-mali abakhulu beva ukuba i-market ithahla kwikamva elikufutshane, nango mahlanu amanyathelo aqhelekileyo anokuthatha.
Izithuba eziMngcipheko
Xa abanye abatyali-mali bebona ingozi phambili, balandela kunye nemvakalelo jikelele kwaye bathengise imali-mali.
Abatyalo-mali beSomali baqala ngokuthengisa izithuba eziyingozi , kulula ukuzibona nge- beta ephakamileyo okanye imodeli yoshishino elitsha. Abanye bathengisa ezinye zeenkampani zabo ezinqabileyo njengekhuselo kwiilahleko.
Nangona kunjalo, abatyali-mali abanamava alandeli abatyalo-mali abatyebileyo abathengisa yonke into baze bahlale kwicala. Ukuba uthengisa yonke into, unokungaphuthelwa kwiimpembelelo ezinkulu ukuba imarike iyawa iphinde ithole . Esikhundleni sokuthengisa yonke into, abatyali-mali abatsha bazithengisa izitokisi ezinobungozi kunye nezikhundla ezivela kwiiphothifoliyo zabo ngelixa bebambelele kwizinkampani ezinqabileyo, iBlue Chip.
Cash Cash
Abanye abatyali-mali abaphezulu bashiya iphothifoliyo yabo yodwa, kodwa bayeke ukubuyisela xa i-balance balance balance grow. Ukuba abatyali-mali batyale kakhulu kwii-stock-stocks, banokucima i-reinvestments kwaye babambe kwi-cash njengentambo yokulwa nelahleko. Emva kwakho konke, uyazi ukuba indawo yakho yekheshi ayiyi kuphinda ilahlekelwe yixabiso xa ibanjwe kwi-akhawunti eqinisekisiwe kwi-brokerage eqinile.
Ukukhutshwa kwemali kukuvumela ukuba ube nesimo sezulu esiqhankqalazo esingaxhatshazwayo xa iimarike ziguquka. Nangona ama-stocks akho alahlekelwa lixabiso elininzi, abatyali-mali abanokubamba imali enkulu banokulindela ngokusemthethweni imarike embi baze balinde umzuzu oqaqambileyo ukuba baqalise ukutyalomali ukukhwela ingqungquthela yomgca ephezulu ebangelwa ukuphazamiseka kwangoko.
Ngokuqinisekileyo, ukuhlawula imali ayiyiyo isisombululo sesikhathi eside, njengoko ixabiso lentlawulo ephantsi kunye nexabiso lokunyuka kwamaxabiso liza kulungelelanisa ngokukhawuleza ukunika inzala enomdla ekubanjweni kwemali.
Hambisa kwiiNgxowa-mali eziThatywayo
Abanye abatyali-mali bathathaka kwiimpahla zabo bahambisa imali yabo kwiingeniso ezingenakunikwa imali xa iimarike zikhangeleka zizinzileyo. Utyalo-mali oluthatshileyo, olubizwa ngokuba yizibophelelo, kuza kwiinambuzane ezininzi. Ixabiso leBond livame ukuhamba ngokuthe ngqo kwimakethe yemasheya, ngoko xa amaxabiso esitoksi awa, ukunyuka kwamaxabiso kumabhondi.
Imarike yemboleko yenziwe ngeentlobo ezahlukeneyo zeemfanelo zetyala ezibandakanya izibophelelo zenkampani, iibhondi zikaburhulumenteni kunye nezibophezelo zikamasipala. Izibophelelo zentsebenziswano zixhobo zamatyala ezikhishwe ngamashishini amakhulu. Iibhondi zikaRhulumente zivela kwiintlobo ezahlukeneyo . Izibophelelo zikamasipala zikhutshwa ngabarhulumente basekhaya, kwaye zihlala zifumana inzuzo yerhafu.
Qaphela ukuba xa ubeka ibhetti enkulu kwiingxowa-mali ezifumanekileyo, uza kulahlekelwa xabiso xa kukhula amaxabiso . Kwimeko yangoku yokunyuka kwezinga, unokufuna ukuphepha ukutshala imali kakhulu kwiibhondi. Ngoxa beza kuhlala behlawula ukuhamba kwemali eqikelelweyo ngokukhawuleza ukuba umniki-mveliso akayi ku-default, amanani aphakama aze awele kwimarike yesibini.
Thenga, Thenga, Thenga!
Umtyalo-mali onamahloni uWarren Buffett wabelane ngesigxina sobulumko ngokulandelayo : "Yikrokra Xa Abanye Banobukrakra Banobukrakra Xa abanye bekwesaba." Kuba abatyala-mali abahlala rhoqo, oku kuthetha ukuba xa iimarike ziqhubela phezulu kwaye abantu baqhayisa ngeenzuzo, bawa amaxabiso emakethe mhlawumbi kwixesha elizayo elizayo.
Xa abatyali-mali bekwesaba kwaye bekhathazekile ngeemeko ezibi , ixesha lokuthenga.
Nangona kukho umngcipheko wezantsi ungekafiki, ukutshala imali kwixabiso lemarike lihlawula imali enkulu. Ukwenza oko kunceda ukulandela "ukuthenga okuphantsi" inxalenye ye-adage ukuba "uthenge ophantsi kwaye uthengise phezulu." Nangona ngokuqinisekileyo kuyingozi, ukuthenga xa iimarike ziwa ehlawulekayo zibeka kwindawo yokufumana amanzuzo amakhulu ngexesha lokubuyisela.
Yakha i-Your Own Investor
Wonke umtyalo-mali unalo icebo lakhe elikhethekileyo lokujongana nezimo zeemeko ezibi. Ingaba ulandela abanye abathi iimarike ziyahla, zitshitshise lakho, okanye zikwazi ukuzibona kwiindaba, musa ukukhawuleza wenze i-knee-jerk reaction. Esikhundleni salo, landela indlela ehamba ngokukhawuleza kunye neendlela ezizenzekelayo kwizigqibo zakho zotyalo-mali kwaye uya kuba ngumzila wokufumana impumelelo enkulu yokutyalo-mali.