Yintoni iPorfolio?

Inkcazo kunye neendlela eziPhambili zoPhuhliso lweeNgxowa-mali

Kwimijelo yezezimali kunye nokutyalwa kweencwadi usenokubona igama elithi "iphothifoliyo" kodwa ungeke ukwazi kakuhle oko kuthetha ukuthini ixesha. Okanye ukuba unjengabanye abatyali-mali abanomnqophiso ontle, mhlawumbi unokuba neepotfoliyo yemali enye kodwa ayilunganga kakuhle.

Investment Portfolio Inkcazo

Xa utyalo-mali, iphothifoliyo yinto ehlanganisiweyo yonke equkethe ubuninzi bentengiso enye.

Kwi-potifoliyo yokutshala imali, iimbopho zihlala zigcinwa ngokulinganayo, okanye zibizwa ngokuba zii-stocks (oko kukuthi "iphothifoliyo yamasheya").

Ngokuxhaswa ngemali, zonke izibambiso ezihambelanayo zidibanisa ukwakha iphothifoliyo enye. Cinga ibhakethi ezaliswe ngamatye. Ibhakethi yintlawulo kunye kunye nelinye ilitye isitokethi esisodwa okanye ibhondi ephethe. Isibalo sawo onke amatye (amasheya okanye iibhonksi) lilingana nenani labanamalungelo okanye i-portfolio fund.

Ukwakha i-Portfolio ye-Mutual Funds

Nangona enye ingxowa-mali yodwa inokuthi ithathelwe ingqalelo kwipotfoliyo, kuqikelele ukwakha iphothifoliyo yeemali-mali , okanye into enokuyithatha ukuba yi-portfoliyo. Isizathu sokuba kulungele ukuba neefowthiliyo enye yinto ebizwa ngokuba yi-diversification. Xa udibanisa ngokuchanekileyo, unokunciphisa ukungabi nantoni (ups and downs) kwaye wenze ukuxuba kotyalo-mali olufanelekileyo kakhulu kwiinjongo zakho zezimali kunye nokunyamezela .

Ukudibanisa kufaka igama elithi, "Musa ukubeka onke amaqanda akho ngebhaksi enye." Ngaphambi kokwakha iphothifoliyo yeemali zentengiso, kubalulekile ukuqonda nokulinganisa ukunyamezela kwakho ngengozi ngokugcwalisa iphrofayili yengozi okanye i-questionnaire yokunyamezela ukunyamezela . Eli liyinyathelo elibalulekileyo ekwakheni iipotifoliyo kuba awufuni ukwenza impazamo yokutshala imali kwiimali eziphathekayo ezinomdla kakhulu kubuntu bakho botyalo-mali.

Umzekelo, ukuba ucinga ukuba uya kulahleka ubuthongo ebusuku xa ixabiso leepotfoliyo yakho lihla, kufuneka uphephe ukutshala imali.

I-Mutual Fund iPortfolio Example

Emva kokugqiba isigqibo sokuba ngaba iipotifoliyo zeemali ezixhasayo kufuneka zibe yi-conservative (umngcipheko ophantsi), i-moderation (ingozi ephakathi) okanye inkohlakalo (ingozi enkulu), unokugqiba ukuba yiziphi iintlobo zeemali eziphathekayo zokuthenga okanye ukongeza kwi-portfolio yakho.

Nantsi imimiselo yolunye uhlobo olusisiseko lwepottoliyo kunye neentlobo zeengxowa-mali eziphakanyisiweyo:

Isibonelo sePortfolio Portfolio :

I-15% yesitokhwe esikhulu (i-Index)
05% I-stock-cap stock
05% I-Stock External
45% Ixesha eliphakathi kweBond
30% Imali-mali / iMarike yeMali

Isibonelo sePortfolio :

I-40% yesitokhwe esikhulu (i-Index)
I-10% yesitokhwe encinane
15% yaseStock Exit
30% I-Bond yexesha eliphakathi
05% Imali-mali / iMarike yeMali

Isibonelo sePortfolio :

I-30% yesitokhwe esikhulu (i-Index)
15% I -stock-cap stock
I-15% yesitokethi encinane
25% I- External Stock okanye i-Stock Incerging
15% I-Bond ephakathi kwekota

Hlalani nikhumbule ukuba le mizekelo ingentla iincwadi zokufundisa kuphela zokukunceda ukuba uqalise. Kwakhona khumbula ukuba awukwazi ukuthenga yonke le mali ngexesha kanye ngenxa yokuba ezininzi iimali zentengo zithengwa kuqala zingaphaya kwama-2,000.

Ukuba awukwazi ukuthenga ngaphezu kwengxowa-mali eyodwa, jonga kule nqaku malunga nendlela yokutshala imali kunye neli nqaku kwiimali ezingcono zokuqalisa ukutyalomali nge $ 100 nje .

Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.