Izingozi zokuTyala imali kunye nendlela yokulinganisa ukunyamezela komngcipheko
Ukunyamezela Ingozi Inkcazo
Ukunyamezela ngengozi lixesha lokutyalomali elimalunga nomngcipheko wemarike, ngokukodwa ukutshatyalaliswa (ups and downs), umtyalo-mali unokunyamezela.
Ngokuqhelekileyo ihlolwe yi-calculator okanye i-questionnaire, ukunyamezela okuqhelekileyo kusetyenziswa ukuhlukanisa abatyalo-mali njengoMntu onobuGqugquzelekileyo, oQhathanisiweyo okanye oQonayo.
Indlela yokulinganisa ukunyamezela kwakho kwengozi nokuba kutheni kubalulekile
Umzekelo, i-questionnaire yokunyamezela ingxaki ingacela imibuzo emininzi ngeemeko ezahlukeneyo zemarike kwaye umtyalomali uza kulindela ukuphendula kwabo kwiimeko zemarike ezinikeziweyo aze aphendule imibuzo ngokufanelekileyo. Umbuzo wesampula uthi, "Wenzenjani ukuba i-market market yawa ngama-20% ngaphezu konyaka owodwa? Ngaba ungenzi nto, B) Linda iinyanga ezimbalwa ukwenza isigqibo, okanye C) Thengisa ii-stocks zakho ngokukhawuleza . "
Umtyalo-mali okhuselekileyo uya kuphendula 'A,' umtyalo-mali oyimodareyitha 'B' kunye notyalo-mali ogcinayo 'C.' Injongo yale mibuzo ikunceda umnini-mali ukuba akhe iphothifoliyo yotyalo-mali ukuba umtyalomali uya kukhululeka ngexesha elide. Ukushiya isicwangciso sokutyalomali ngokukhawuleza ngenxa yemisebenzi yemakethi ye-stock is not a response best.
Ngoko ke umbuzo wokunyamezela ukunyamezela ingxaki kufuneka uncede umtyalomali ngokulindela nokuthintela ukuziphatha okutyala.
Nangona kubulumko ukuqonda ukunyamezela kwakho ingozi, gcinani engqondweni ukuba ukuziphatha kwakho kunzima ukuqikelela kwangaphambili. Abanini-zimali abaninzi benza impazamo yokukholelwa ukuba "baxhatshazwa" kodwa "ngokwenene" kwaye xa isahlulo sesitokethi sephothifoliyo yabo sehla kakhulu kwixabiso, banokuthengisa ii-stocks ngokukhawuleza nokuba ngaba ukunyamezela kwabo kwangaphambili babenokuthi " ningenzi nto "ngexesha lokuhla kwehla kwamanani.
Ukuxhatshazwa kweengozi ngokubhekiselele kumngcipheko wokuKhubazeka
Enye into yokunyamezela umngcipheko yingozi yongozi, leyo ingakanani umngcipheko onokuwufumana . Oku kwahluke kwengozi ozimisele ukuyithatha. Ngamanye amagama, unakho ukhululekile ngephothifoliyo enobugwenxa, ephakamileyo kodwa ukuba uneminyaka embalwa nje ekujoliswe kuyo kwinjongo yakho yokuthatha imali, njengokuthatha umhlalaphantsi, kungenakufaneleka ukuba ube nephothifoliyo yamasheya ayi-100%; ungadinga enye ingqalelo (ingozi ephantsi) iphothifoliyo ukugcina i-asethi oyimali oyimfuneko oyimfuneko yomhlalaphantsi.
Ngokufanayo, ukuba ukugcinwa kwakho komhlalaphantsi okwangoku akunakwenzeka kumgaqo wokufikelela kwiinjongo zakho zomhlala-phantsi, i-portfolio enobudlova ye-100% esitokisini inokuthatha umngcipheko omkhulu wemarike ukuba ufaneleke.