Yintoni ekuTyala imali ephezulu?

Indlela yokuhlalutya utyalo-mali ukusuka kwi-Top Down

Kukho iindlela ezimbini eziphambili apho abatyali bezakhela iipotifoliyo kwizigidi zamathuba ahlukeneyo emhlabeni jikelele: Fumana iindawo ezifanelekileyo zokutshala imali uze ufumane iinkampani kulezo ndawo okanye kwisikrini kwiinkampani eziziintlobo ezithile. Isicwangciso sangaphambili, esibizwa ngokuba yi-investing down-down, isicwangciso esithandwa kakhulu sisetyenziswe ngabatyalo-mali belizwe jikelele .

Kule ngqaku, siza kujonga indlela utyalo-mali osebenza ngayo kunye nendlela abatyala-mali behlabathi abangayisebenzisa ngayo imigaqo xa bethola amathuba kwiipolifoli zabo.

Ukujonga kwiSithombe esikhulu

Indlela ephezulu yokutyalo-mali iqala kwinqanaba eliphakamileyo kakhulu lokuqala - ukugqiba ukuba yiliphi ilizwe elimelela isimo sezulu esona sigqwesileyo kubatyalo-mali. Ekuboneni kokuqala, umkhiqizo omkhulu wekhaya ("GDP") uza kubonakala ube ngowona ngqiqo ekuqaliseni ukukhula koqoqosho, kodwa abatyali-mali baya kufumana ukuba la manani ahlala esho ngokubhekiselele kwiimarike ezikhulayo njengeendawo ezifanelekileyo zokusebenzisa imali - oku akusoloko kuyinyaniso yezizathu ezahlukeneyo.

Imida kunye neemarike ezikhulayo zingenakho ukukhula okuphezulu kwezoqoqosho, kodwa kukho ubuncinane ezinye ezimbini ezibalulekileyo zokuqwalasela:

• Izingozi zezobuGcisa - Abatyalo-mali belizwe lonke kufuneka batyekele ukuba uqoqosho lwelizwe lubekwe engozini kwiimeko zalo kwezopolitiko okanye ngamanye amazwe kummandla onokungazinzi, obangela ukuxabana kwezoqoqosho okanye ngokwasemzimbeni. Ngokomzekelo, ukuxhaswa kweRashiya yaseRashiya ngo-2014 kwandisa umngcipheko wokutshala imali eMpuma Yurophu.

• Ixabiso lexabiso lomhlaba - Abatyalomali basemhlabeni kufuneka baqwalasele ukulinganiswa kwempahla kumxholo wokukhula koqoqosho. Nangona uqoqosho olukhula ngokukhawuleza lunokuvelisa iinkampani ezikhulayo ngokukhawuleza, i-marhwebo ingaba ifuna imali kakhulu. Ngokomzekelo, ii-stocks zaseTshayina zithe zagqithiswa ngo-2016 njengoko amaxabiso aphakanyisiwe.

Ukongezelela kule nkxalabo, abatyali-mali kufuneka baqwalasele iimpembelelo zemali yelizwe ngokutyalomali kwabo. Isitoreli sangaphandle singabonakala ngathi sithumela amazinga okukhula okuqinileyo kwimigangatho yemali yendawo, kodwa ezo zizinga lokukhula ziyabonakala xa kubalwa ukuhlaziywa kwemali yengingqi ngokumalunga ne-dollar yase-US. Olu xabiso luya kuzaliseka xa umtyalomali eguqula inzuzo kwiidola zase-US ekupheleni komjikelo wotyalo-mali.

Ukukhetha iCandelo elifanelekileyo

Isinyathelo esilandelayo kulabo bathatha indlela ephezulu yokutyalo-mali ukuhlalutya amashishini athile kwilizwe elikhethiweyo. Kwiimeko ezininzi, ilizwe okanye ummandla uya kubakho ubuninzi bokukhula kwawo kwiindawo ezithile zoqoqosho ngaliphi na ixesha elithile kunokuba libanzi kuwo onke amanqaku. Ezi ndawo zihlala zitshintsha ngaphaya komjikelo woqoqosho olupheleleyo, kunye ne-teknoloji ngokuqhelekileyo iholele indlela kunye nezinto ezisetyenziswayo ezishiya emva kwimijikelezo.

Ngokomzekelo, ukukhula koqoqosho lwelizwe kungaxininiswa kakhulu kwicandelo elithile, njengentengiso okanye amandla . Ukutshala imali ngokubanzi kuwo onke amacandelo oqoqosho kunokunciphisa iindleko ezinokuthelekiswa xa kuqhathaniswa nokujoliswa kwamacandelo akhula ngokukhawuleza-okanye anokukwazi ukukhula ngokukhawuleza kwixesha elizayo.

Iklasi ephakathi ekhulayo kwimarike ephumayo, umzekelo, inokubeka isigaba sokukhula kwabalingani bokuqonda.

Kwakhona kubalulekile ukujonga ukuba amashishini aphethwe nguorhulumente. Ngokomzekelo, amanye amazwe anikezela ngoncediso kwiinkampani ezibalulekileyo ezibalulekileyo. Ezi zincediso zinganceda ukukhulisa inzuzo kwithuba elifutshane, kodwa lingenakuhlala ngonaphakade.

Ukuhlalutya iGritty Gritty

Isiqingatha sesibini kunye nesinyathelo sokugqibela sendlela yokutyalwa kwelokugqibela-mali ukujonga ngokuthe ngqo iinkcukacha zesazisi ngamnye ngaphambi kokuthenga. Kule meko, abatyali-mali kufuneka bajonge iinkalo ezisisiseko nezobugcisa beefayili ezithile kwi-economic sector kunye ne-subset ye-industry. Ezi mpahla zingabandakanya iintengo zangaphandle, iiRepublic Depositary Receipts ("ADRs"), ii-ETF zehlabathi ezijolise kwiindawo ezithile okanye ezinye iintlobo zee-asethi.

Kwinqanaba lobugcisa, abatyala-mali behlabathi kufuneka bajonge ixabiso eliye laphakama kunamaxabiso ahlayo ukuze bathengise kunye nomoya. Kwinqanaba elisisiseko, abatyali-mali kufuneka bafune ixabiso elingabalulekiyo malunga nezobambiso zekhaya kunye neziqinisekiso zehlabathi jikelele ezikwahlula isigaba esifanayo kunye neshishini. Ezi zintengiselwano ziqinisekisa ukuba abatyali-mali abayihlawulisa i-asethi.

Abatyalomali banokulinganisela ukubaluleka ngokujonga ixabiso lemali njengemali -mali (P / E) okanye ibhuku lamanani (P / B), kunye nezinye izinto ezifana nokuhamba kwemali kunye nokukhula kwemali. Amaxesha amaninzi, abatyali-mali baya kwakha imodeli yezemali eyongezelela imali engaphezulu kweminyaka engama-3-5 kwaye iyanciphisa loo mali yokuhamba kwemali ukuya kumhla wokugqibela ukuqinisekisa ukuba isitokisi siphezulu okanye singabalulekanga.

Ekugqibeleni, abatyali-mali kufuneka baqwalasele ngenyameko ukulinganiswa kweendleko ezihambelana ne-ETFs kunye nezinye iimali, ngokukodwa iimali ezithile zecandelo ezinokuthi zibiza kakhulu.

Amaphuzu athathweyo

• Utyalo-mali oluphezulu luquka ukubheka uqoqosho lwelizwe, olulandelwe ngamashishini athile, alandelwa yimpahla nganye.
• Abatyalomali belizwe lonke kufuneka baqwalasele iinkalo ezahlukeneyo zobungozi xa kuhlalutya uqoqosho, kubandakanywa umngcipheko kunye nokulinganiswa kwee-asethi ngelixa kukhetha amashishini afakwe kakuhle kwizoqoqosho.
• Iimpahla zomntu ngamnye zihlalutyo ngokuchanekileyo ngokusebenzisa ukuhlanganiswa kohlalutyo lobugcisa kunye nolwasemgangathweni ukuze kuqinisekiswe ukulinganiswa kunye nokulinganisela ngokupheleleyo.