Ukuqulunqwa kweNkokhelo onokuyithatha kwi-Investment yakho
Kungekudala, kuye kwaba nencoko enkulu kwingxoxo kwihlabathi lolawulo lweempahla malunga nokuba izinga lokuhoxisa umhlala-phantsi lomvuzo we-4% alwamkelekanga, kunye novavanyo olutshanje olubonisa ukuba inani elichanekileyo, elona lichanekileyo li-3%. Ngamanye amazwi, umtyalomali ophethe i-$ 1,000,000 kwipotfoliyo yakhe ngoku uthathwa njengesiqhelo xa ekhupha i-40,000 ye-$ 40,000 ekhuselekileyo esikhundleni sexabiso elitsha lama-30,000 elingu-30,000 ama-advisors-heeled.
Ngubani o lungile? Ngaba bekungalunganga kuyo yonke loo minyaka? Ngaba i-3% yayisoloko ilungile, inombolo engcono?
Umlinganiselo oKhuselekileyo wokuKhutshwa koMhlala-phantsi uxhomekeke kwiimali zoTyalo-mali ozihlawulayo, ngokubini ngokuthe ngqo nangokungaqondile
Kuphendulwa impendulo enxulumene neentlawulo zotyalo-mali njengemirhumo yomcebisi, ukulingana kweendleko zomzimba kunye nezinto ezinjalo. Abantu abaxhasa ukuhlawula umhlalaphansi ongaphantsi kwe-3% bahlala becinga ukuba ezi ndleko ziqhuba cishe 1% yeempahla zeempahla. Oko kukucingwa ngokufanelekileyo ukuba unayo imali kwimveliso yezemali okanye usebenzisa umcebisi.
Kubabo-mali abangenamava, ukuba imali engama-1% ingabalondoloza ubuninzi beentlungu kunye nokulahleka ngokubanika umntu ophethe ikhankanya ukuba baxoxe phantsi kwintlambo xa iimarike zilahlekelwe ngama-30% okanye i-50% + yexabiso lawo ngexesha elifutshane, ayenzileyo, kwaye baya kuqhubeka bekwenza.
Nangona kunjalo, kulabo abaxhamlileyo kunye nokuphatha isabelo sabo sempahla , kuquka utyalo-mali kwiimpahla okanye kwiibhonkce ngokuthe ngqo, kudala umfanekiso olahlekisa.
Thatha iipolfoliyo zam ekhaya. Iindleko zotyalo-mali njengoko ipesenteji zeempahla zikhoyo engekho; ephantsi kakhulu kunokuba ixabiso lemali engezantsi ye-Vanguard. Ayingaphantsi kweqhezu lesahlulo se-1%. Kungenxa yokuba ndivame ukubamba imali, lindela utyalo-mali endiyithandayo, ndithengela ibhloko enkulu yobunini, ke ndiyibeke ipaki iminyaka, kwaneeminyaka. Nangona sele ndihlala kumashumi ama-30 ngoku, ndisehleli kwizabelo zabakhiqizi be-gasket kunye neenkampani zebhanki endizithengayo xa ndandiselula okanye ndifunda. Ngaphandle kwikhomishini yokuqala, akukho nto iyenzeka ngayo xa ndikhetha amasheya ami njengokuba kubambe ixesha elide kunokuba kulandelwe ixesha elifutshane. Ngaloo ndlela, akukho zerhafu njengoko ndivumela amandla enkcitho yentela echaziweyo ukuba yandise imbuyekezo yam net . Ubungakanani bam asethi bukhulu ngokwaneleyo andinayo ukuhlawula ezininzi iimali ezibaninzi ngabanye abatyali-mali, ukubonelela ngezoqoqosho.
Uninzi lwenu lisesimweni esifanayo. NjengoJack MacDonald, u- Anne Scheiber , uGrace Groner , okanye umlimi wobisi endandikuxelele ngako , uhlala ngokuzithengayo kwaye uthenge amasheya ezintshukumo zakho ezithandayo ze- blue , uqokelela ubutyebi ngokuhamba kwesikhathi. Ngaphandle kweemali ezimbalwa zemali yokugcina, ungeke ukhokhe nantoni na.
Ndiyazi ngokwenene ukuba uncinci oluthile luthanda ukuzisebenzisa ngokunxulumene nezicwangciso zokuthengwa kwee- stock and DRIPs ngoko ke ungananto ! (Nokuba ndizisebenzise ngokunjalo kwiintsapho zam, ndizisebenzisa njengethuluzi lokufundisa lamalungu omncinci.Abantu abangakaze bazive ngabo kufuneka bathathe imizuzu embalwa ukufumanisa ukuba ndiyayithandani isahlulo esikhulu sokubuyisela izicwangciso .) Ukuba Kule meko, ngenani elincinci okanye kungekho mali eya kwiWall Street okanye kwi-middle-class, i-portfoliyo yobukhulu becala iyakwazi ukuxhasa izinga eliphezulu lokurhoxisa ngelixa likhusela ingozi yokuhlutha phantsi kweemeko ezininzi. Kungenxa yokuba ufumana ukugcina iimali ezithunyelwa kwiingcali.
Abanye bakho bakhokhela i-2% okanye ngaphezulu kunye nomngcipheko osebenza ngemali ngelinye ilanga, okanye ubuncinci, ufumana ukucima ngamandla akho okuthenga njengoko ukunyuka kwamaxabiso kunye nentlawulo kuqala ukuphazamisa inani leedola ngalinye.
Iimali zokuKhutshwa koMhlala-mali oKhuselekileyo zichithwa nguhlobo lwe-Asset Mix
Olunye uqikelelo luhlobo lomxube we-asethi oyilondolozayo. Cinga ngomtyalomali osondela kumhlalaphantsi kunye neninzi yemali yakhe ekwenzeni imali eyimveliso. Iingeniso ziyakuthi ziphakanyiswe ngokuhamba kwexesha, kuthathwa ukuba ipropati isebenza kakuhle kunye nommandla omhle. Nangona ininzi yengeniso yerenti isetyenzisiwe, ipropathi ngokwayo inikeza uhlobo lwentambo yokunyuka kwamaxabiso emvelo njengoko lixabisa ngexabiso kwaye iireti zingakhula ngaphandle kokuphindwa kwemali. Iibhondi zichasene. Ngesibophelelo, awuyi kukunyuka kwinqanaba lomdla ohlawulwayo, kwaye ubophelelo ngokwawo aluyi kuqonda imeko ekhethekileyo ekhoyo. Iminyaka engamashumi amabini ezantsi komgca, umtyalomali obunzima kakhulu kumabhondi mhlawumbi uya kuba namandla angaphantsi kwamandla okuthenga kunomtshali-mali oyimpahla ecinga ukuba izakhiwo zendleko kunye nezindleko zokuhoxiswa.
Isigwebo sokugqibela? Kuyaxhomekeka. Kweminye yenu, i-3% yinqanaba lokukhutshwa ngokukhuselekileyo. Kwabanye, i-4% yinto engcono.