Zingaphi Iimali zeMatual Do You Need to Be Disversified?
Ngoko ke ndacinga ukuba kuya kuba luncedo ukubhala eli nqaku malunga nemigangatho efanelekileyo yezohlukeneyo, ngokukodwa malunga nenani leemali ezizithengiweyo zinezikhundla ezihlukeneyo .
Yiyiphi i-Diversification kunye Neyinto engekho
Ukuchithwa kwemali kunye neengxowa-mali zentengiso yindlela yokunciphisa ubungozi beepotfoliyo ngokupheleleyo ukuthenga iimali ezimela iindidi ezahlukeneyo kunye neeklasi ze-asethi. Ubulumko bulumko kwisigama esithi, "ungafaki onke amaqanda akho kwidikebhe enye" unceda ukuchaza intsingiselo yezinto ezahlukeneyo kuba ibonisa nje imfuno yokusasaza ingozi kwiindawo ezininzi.
Beka ngokuhlukileyo, ukuba ubeka yonke imali yakho kwisitya-mali esisodwa, mhlawumbi awukhethi. Kodwa apha apho abatyali-mali bahlala besenza iimpazamo zabo ezinkulu ngeentlobo ezahlukeneyo: Bacinga ukuba ukuthengwa kwandisa imali yabo phakathi kweengxowa-mali ezahlukeneyo ezahlukahlukeneyo ezahlukahlukeneyo. Kuthekani ukuba ubeka amaqanda akho kwiibhasiki ezahlukeneyo kodwa zonke iibhasikiti ziphantse zifana? Oko akufaniyo!
Ngokomzekelo othize, masithi sithi ubeke imali yakho ngokulinganayo kwiimali ezidibeneyo ezihlukeneyo, apho ngamnye ugcina i-25% yezinto zakho zokutyala.
I-fund ngayinye inegama elihlukile kwaye ngoko kubonakala ngathi iinjongo ezahlukeneyo. Masithi enye yesikhwama sokukhula, enye ingxowa yokukhula kunye neengeniso, inxalenye yesithathu yi-S & P 500 yengxowa-mali, kwaye yesine yi-fund yangaphandle. Kungenzeka ukuba iimali zokuqala ezintathu ziphantse zifana kwaye enye yesine inemibandela efana neyokuqala emithathu.
Isi simo esiqhelekileyo sokungafani kakuhle kuphindaphindiwe ngokuphindaphindiweyo kunokuba ucinge ngenxa yokuba ixelelwe kwizigidi zabantu, njengoko ndibonisa ngokucacileyo kwinqaku engayibhala, ebizwa ngokuba Kutheni uDave Ramsey engalunganga kwi-Mutual Funds . Nangona nganye yeentlobo ezine zeengxowa-mali uDave "zincoma" kubalandeli bakhe azifani ngokufanayo, zifana kakhulu ukubonelela uhlobo oluthile lwezinto ezahlukeneyo ezifunekayo ukusasaza umngcipheko, okanye ukuphumelela "ukubeka amaqanda akho kwiibhasiki ezahlukeneyo."
Gwema iNgxowa-mali '
Nangona unokuba neengxowa-mali ezahlukahlukeneyo kwiipotifoliyo yakho, ingxaki xa ezinye zazo zifana neendlela ezifanayo zibonakaliswe lixesha lokutyalomali, lihamba . Ukuze ugweme ukungabikho kwemali kunye, qiniseka ukuba iibhanki zakho zezimali zivela kwiintlobo ezahlukeneyo zeengxowa-mali .
Ngokomzekelo, isabelo-mali esilula esinezinto ezihlukeneyo singabandakanya isikhwama esisodwa esikhulu samasheya, isikhwama esisinye se-stock-stock, esinye isikhwama se-stock market kunye ne-bond bond. Ngamnye wabo uya kuba neemali ezimeleyo ngokupheleleyo, xa kuthelekiswa nakwezinye iimali. Yaye ke phawula ndabhalisa "isitoko samazwe angaphandle" kunokuba "isitoreji" samasheya. Isibonelelo semali yesinye isizwe siya kufakwa u-80% ukuya kwi-100% yeempahla zayo kwiisitokisi zeenkampani ngaphandle kwe-United States, kanti i- stock stock fund ingaba ngama-50% okanye ngaphantsi kwezinto ezikhoyo kwiimpahla zaso nakwamashishini ase-US.
Ukuba ufuna ukuqiniseka ukuba ufumana utyalo-mali oyifunayo, umgaqo omuhle ukusebenzisa imali yenkcazo. Ngokomzekelo, inkcazo yenkxaso-mali yangaphandle yangaphandle ifana neVanguard European Stock Index (i-VEURX) kuphela ityala kwiimpahla zaseYurophu, kungekhona iimpahla zase-US.
Inani elifanelekileyo leengxowa-mali zokuBamba
Ngelixa kunokwenzeka ukuba utyalomali kwisikhwama esisodwa kwaye ube nokungafani, uza kufuneka ubuncinane ezimbini kodwa mhlawumbi akukho ngaphaya kwe-10 ukulungelelaniswa ngokufanelekileyo. Ukuba utyalole ezimbini nje, unokukhetha inkcazo yenkxaso-mali kunye ne-index index bond kunye nokufezekisa ulwahlulo olufanelekileyo.
Ukuze uphelele ngokupheleleyo, unokwakha iphothifoliyo eqinile kunye neemali ezidibeneyo ezisixhenxe ukuya kwezixhenxe. Nangona kunjalo, unikezelwa ngemali efanelekileyo, njengemali elinganisiweyo , unokufumana iipotifoliyo ezahlukahlukeneyo kunye nemali embalwa. Ngoko ke sigqiba apho siqalise khona: Zingaphi iingxowa-mali ezifanelekileyo?
Kuyaxhomekeka...
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.