Gcina ingqibelelo engqondweni xa ufuna ukubuyisela okuhle.
Ukuze kuqinisekiswe ukubuya okuhle kutyalo-mali, abatyali-mali kufuneka bahlale becinga ukuba yiyiphi intsingiselo.
Ukuba awuyazi into enengqiqo kunokuba nayiphi na umculi unokuqiniseka ukuba banento ekhethekileyo. Abantu abaxhatshazwayo ngamakhwenkqha yilabo bakholelwa ukuba ukubuya kwangaphandle kunokwenzeka. Makhe sibone iinqanaba ezi-6 ezibanzi zokutyalomali kunye neentlawulo onokuzilindela.
1. Utyalo-mali oluthile
Masiqale ngolawulo lwenombolo eyodwa: ukuphakama okungenakubuya, umngcipheko omkhulu. Iipenki zePenny zenza umzekelo omhle. Ndathenge isitokisi seepenisi kanye. Kwacetyiswa ngumhlobo, umntu endikuwaziyo iminyaka. Uthe wayenze konke ukunyamekela kwakhe kwaye inkampani yayilungele ukuqhuma okukhulu kwaye utyalo-mali lwethu luza kuba lula ngokuphindwe kabini. Ngaphezulu kweminyaka emi-2 ezayo, ndilahlekelwe ngamaphesenti angama-90 kwintalo-mali. Ngenhlanhla, andizange ndatyala imali kakhulu kuba ndiyazi ukuba yayiyicinga.
Musa ukukhohlisa. Iinkampani ezinemthethweni ezinikela isitokethi zingaba ziqikelele. Iinkampani ezincinci ze-biotech ezinenjongo yodwa yokufumana unyango olulandelayo olukhutshwayo lunokunyuka okanye luwe nge-80% okanye ngaphezulu ngosuku olusekelwe kwisigqibo se-FDA.
Ngokuqinisekileyo, unokuzifumana kwicala lasekunene lelo thutha kodwa unokulahlekelwa phantse yonke into. Kuyafana okufanayo kwi-IPOs neentengiso ezithengiweyo kuphela ngenxa yokuba zibukeka njengento ekujoliswe kuyo.
Igolide enye enye into enokuthi iwele kwisigaba esicacayo. Ukuba ufumana ilungelo lokwenza ixesha kwaye ubambe igolide phambi kweengxaki, ungenza inzuzo.
Ngaloo ndlela, ubungacinga ukuba igolide yinto ephambili yokutshala imali-kodwa ngokwenene kwenzeka ntoni unenhlanhla kwaye utyalo-mali lwakho oluthile lubekho ukuhlawula.
Fumana iimeko ezingalunganga kwaye unokubukela utyalo-mali lwakho luhamba ngokunyuka kwexabiso elide kunye nokunyuka kwexabiso, oko kwenzeka ntoni kwixabiso legolide ukususela ngo-1980 xa lithatha i-$ 850 ngonyaka ukuya ku-2001 xa ihamba ngaphantsi kweedola ezingama-300 ngeeyunithi; ukulahleka kwe-65% yexabiso layo. Ukuba wawungumtyalo-golide ngelo xesha, mhlawumbi ungazange ucinge ukuba lukhulu kakhulu. Ukuba ucinga ngokutshala imali kwigolide, yenza njengenxalenye yeepotifoliyo ezahlukahlukeneyo.
2. Iimpahla zeMveli kunye neNgxowa-mali
Kuthiwani ngeempahla ze-blue chip okanye i-market market? Ukuze uhlolisise imbuyekezo kulolu hlobo lotyalo-mali, kufuneka uqonde umehluko kwinqanaba lomngcipheko othabathayo xa utyalomali kwisitokisini kunye nokutyalomali kwi-index index fund. Ndisebenzisa isilinganiselo somngcipheko wokutshala imali omnye ukuya kwintlanu, kunye neetlanu ezimele ukhetho oluphezulu, kunye nomnye umngcipheko omncinci. Ndibeka utyalo-mali kwisitokethi esisodwa njengenqanaba lomngcipheko wokutshala imali: ungalahlekelwa yimali yakho yonke. Ndibeka i-index index ye-stock njengenqanaba elilodwa lomngcipheko; ungalahlekelwa yimali kodwa kuya kuba nzima ukuba ulahlekelwe yimali yakho yonke.
Utyalo-mali olukhuselekileyo njenge-akhawunti yokulondoloza unikezwa umngcipheko weyodwa.
3. IiNdlu eziMhlaba
I-real estate yinto odla ngokubona ukukhuthazwa njengokuba unikezela ngokutsha ukutshala imali. Ingaba kunjalo? Ewe, unokukwazi, ukuba uyazi into oyenzayo. Abantu abaninzi abazizityebi benza i-fortune yabo ngokutyalomali kwi-real estate. Ixabiso lempahla linokuthi, njengawo nawuphi na utyalo-mali olunikeza ukubuyisela okuhle, kubangela ukulahleka. Nangona kukho ubuninzi be-Realtors bekhangele ukuthengisa i-real estate, inyaniso kukuba i-real estate yiyo abatyali-mali abaphambili abachithe iminyaka okanye emashumi kule mali. Izakhiwo zokuqashisa okanye ukunyuka kwekhaya akuyona indlela elula yokwenza imali de ube neliva elihle.
Kwaye njengoko sibonile kwiCreat Recession ka-2008, ukuthenga indlu, njengabantu abaninzi baseMerika, kubonisa umngcipheko.
4. Iimali zeMveli kunye neBond Fund
Xa ndiyathetha isiqhelo semveli, ndithetha urhulumente okanye iinkampani ezikhutshweyo ezinxulumene neBhaa3 (Moody's), BBB- (S & P / Fitch) okanye ngaphezulu. Ndizahlula ezi ntlobo zamabhondi kwinqanaba lembini okanye abathathu inxaxheba kwinqanaba lomngcipheko wotyalo-mali. Uyakwazi ukubona inkcazo yebhanki ebuyela kumbala omnyama, ohlaza okwesibhakabhaka kunye ophuzi kule ngqungquthela yokubuyisela iirafu, kunye neebhondi zexesha elide zorhulumente ezinokubuyiselwa kweenyanga ezilishumi elinesibini eziphezulu ze-54% kwaye ziphantsi kwe -17%.
Ngeentambo, ixabiso eliyintloko liyehla xa ixabiso lentengo liphakama. Oku kunempembelelo enkulu kwiibhondi zexesha elide kunye nomphumo omncinci kwiibhondi zexesha elifutshane. Ukuba unobungozi bomntu kunye nokucwangcisa ekubambeleleni ekuvuthweni kunokuba oku kuguquka kwexabiso akukuchaphazela.
5. Bitcoin
Iingqungquthela zengqondo Bitcoin kunye nezinye izixhobo zokukhupha. Ingaba okanye ukukhala kwe-cryptocurrency kubonisa ikusasa lokuthengiselana kwemali kukuxhomekeke kwingxoxo eninzi kodwa abatyala-mali abanomdla bayazi ukuba xa into ethile iphakanyiswa ngokukhawuleza njengoko iBitcoin yenzayo ngo-2017, umngcipheko wokulahlekelwa omkhulu ukhulula umvuzo wokuba ubeke umvuzo omkhulu.
Ukuba utyalomali kwi-Bitcoin kwiminyaka edlulileyo xa uluntu jikelele alukwazi ukuba lukhona, uncoma ngokuphumelela kwakho kodwa ukungena emva kokuhamba okukhulu akuyona ingozi yokulawulwa kwengozi.
6. Utyalo-mali olukhuselekileyo
Utyalo-mali olukhuselekileyo yinto enye enokubonelela ngokubuyisela utyalo-mali, nangona bengenakho ukubuyisela ukubuyiswa okuhle kwi-investment. Ukubuya kweembali kwi-investments ekhuselekileyo kudla ukuwela kwi-3% ukuya kwi-5% ububanzi kodwa okwangoku kuncinci njengoko kuxhomekeke kwixabiso lentengo. Xa izinga lentengo liphantsi, utyalo-mali olukhuselekileyo luletha iintlawulo eziphantsi. Le meko inokubangela ukuba abantu baxoshe imali-mali ngokukhawuleza ngenjongo yokufumana inzuzo ephezulu.
Kuthiwani Ngokuphathelele "Ukubuya Okukhulu" Iindaba?
Kuthiwani ngamabali ova malunga nabantu abafumana iimbuyekezo ezibukeka ngokufumana isitya esinene? Oko kuthiwa inhlanhla. Abanye abantu bawine i-lottery, kwaye siyavuya ngabo, kodwa asihambanga sondla yonke imali yethu kwiikiti zeLotto, ngaba thina? Akunangqondo ukuba ngenxa yokuba umntu oyedwa unokubuyisela okuhle kwisitokisini okanye utyalo-mali, ungacinga ukuba kulula ukuphinda iziphumo. Kungaba lula ngathi ukunqoba iLotter.
Ungaze ulandele iifayili.