Ziziphi Iimpawu Zokhuselo?

Inkcazo, iSicwangciso kunye neMimiselo yeeNkxaso zeStock Mutual Fund

Abatyalomali abafuna iimali zecandelo elizikhuselekileyo banokufuna ukutshala imali kumacandelo angenza ngcono ngaphezu kweendleko zeemarike ezide ngexesha elihlwempuzekileyo okanye ekunciphiseni imeko yezoqoqosho kunye neemeko, ezifana nokuthengiswa kwemali okanye ukuthengiswa kweebhere , ngokulandelanayo. Ngenxa yolu xanduva lokuqina, la macandelo abizwa ngokuba "ukuzikhusela."

Ngokomzekelo, iimali ezizimeleyo ezityalomali kwiinkalo ezikhuselayo, ezifana nokunakekelwa kwezempilo okanye izitokisi zokuthengwa kwezibhengezi, zidla ngokuncipha kwixabiso lemali kwiimarike zeebhere kuneemali ezinkulu zeemarike ezityalwe kwisikhokelo esifana ne-S & P 500.

Ngenxa yoko, xa umnini-zimali efuna "ukuzikhusela," bahlala bethenga iimali ezithile zecandelo ezijongene nale mpawu.

Isicwangciso esiKhuselekileyo seNgxowa-mali

Imali yecandelo lijolise kumashishini athile, injongo yentlalo okanye kwicandelo lezoshishino ezifana nokunakekelwa kwezempilo, i-real estate okanye iteknoloji. Injongo yabo yokutyalomali kukubonelela ngokugqithiseleyo kumaqela athile e-industry, abizwa ngamacandelo.

Ingcamango eyintloko yotyalo-mali ukukhusela (ukukhusela) ekunciphiseni ukuhla kwexabiso elithile kwiintengiso ezidibeneyo kwimakethe yokulungisa . Ngokomzekelo, ngexesha lobunzima kwezoqoqosho, abathengi banciphisa ukuchitha imali kwizinto zokunethezeka, ezifana nokuzonwabisa, ukuhamba kunye nezambatho eziphezulu, kwaye bathenge kuphela izinto abazifunayo, ezifana nokutya, ukunakekelwa kwezempilo kunye nezibonelelo ezisisiseko.

Imizekelo emine yeeNkxaso eziKhuselekileyo

Nazi iindawo eziphambili ezibhekwa njengezikhuseli ezikhuselayo:

1. Icandelo lokuThengiswa kwabathengi: Izibambiso zabathengi, ezibizwa ngokuba ngabathengi abangenazo ezithengiswayo, zibhekwa njengezikhuselekileyo kuba zivame ukugcina uzinzo lwamaxabiso ngaphezulu kwiimarike kunabanye amasheya, njengama- stocks okanye ukuthengwa kwempahla . Ngokomzekelo, ngexesha lokunciphisa imali, abathengi basasafuna iziqu, ezifana nokutya kunye nobisi, nokuba banokwandisa ukusetyenziswa kwezinto ezibizwa ngokuthi "i-stock stock" kwimveliso, njengotshwala kunye notywala. Ngokwazi oku, abatyali-mali abaninzi baya kuthenga izitokisi ezikhuselayo xa bakholelwa ukuba ukuhlaselwa kwemali kungenzeka ukuba kwenzeke ngexesha elifutshane.

1. Icandelo lezeMpilo : Eli candelo elibanzi lokuzikhusela. Nangona umntu ongekho namava-mali angacinga ngendawo ethile yoshishino lwempilo, njengama-conglomerate esibhedlele, iinkonzo zesikhungo, iinkampani zomshuwalense, iinkampani zonyango, iinkampani ezinobomi, okanye abenzi bezinto zonyango. Imizekelo ibandakanya i-Pfizer, i-UnitedHealthcare, i-Cigna Corp, i-UnitedHealth Laboratories kunye ne-HCA Holdings, Inc. Ezi ziinkampani ezinikezela ngemveliso okanye iinkonzo ababenokuqhubeka bezithengela kumaxesha anzima kwezoqoqosho ngenxa yokuba impilo ibaluleke kakhulu kwaye abantu bafuna ukuya kudokotela kwaye uthenge amayeza ngexesha elinzima. Yingakho impilo yinkampani ekhuselayo.

1. Icandelo leeNkonzo : Uqhelile uqhelane nezinto ezisetyenziswayo kwimpilo yakho yemihla ngemihla kwaye unokuthi udibanise nekota kunye ne "billing bills" yakho. Izitokisi zesebenzi zibhekwa njengezikhuselayo kuba ngexesha lokunciphisa imali, abathengi basasafuna iinkonzo zesevisi, ezifana negesi, ifowuni kunye nombane. Ngokwazi oku, abatyali-mali abaninzi baya kuthenga izitokisi ezikhuselayo xa bakholelwa ukuba ukuhlaselwa kwemali kungenzeka ukuba kwenzeke ngexesha elifutshane.
2. Imveliso yeCandelo : iimpahla zihlulwe kangcono njengezinto eziphathekayo, kungekhona kumacandelo oshishino kodwa zingakwazi ukulungiselela injongo efanayo njengemigangatho yesitokisi ekhuselayo. Imizekelo yezinto zokuthengwa kwemveliso yile mveliso ibandakanya ioli engcolileyo, amalahle, ingqolowa, itiye, irayisi, igolide kunye nesilivere. Akuzona zonke ezi zinto ezisisiseko ezikhuselayo ngencazelo kodwa zisenako ukugcina uzinzo lwamaxabiso ngexesha lendawo yokunciphisa imali. Ngokomzekelo, igolide inokunyuka kwixabiso ekuhlahleni kwezoqoqosho kuba abatyali-mali bayibona ukuba "yindlela ekhuselekileyo" kwiimpahla okanye kwiimali kwiimeko ezinjalo ezingaqinisekanga.

Gcina ukhumbule ukuba iimali zecandelo lokuzikhusela zisenokulahlekelwa lixabiso, nangona zingenza ngcono kuneemarike ezibanzi kwiimarike zeebhere. Ngenxa yesi sizathu, imali yecandelo inokusetyenziswa ngokuhlakanipha njengethuluzi lokunciphisa ngokunika iipesenti ezincinane kubo.

Iimali zecandelo elizikhuselekileyo zingaba yinxalenye enye yeepotfoliyo ezahlukahlukeneyo zengxowa-mali.

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.