Komwe mungagwire kuti mupange phindu labwino kwambiri

phindu Zachidziwikire, 2018 sichikhala chaka chovuta kwambiri kuti mukwaniritse bwino momwe mwasungira. Zogulitsa zaumoyo wanu m'misika yachuma yodziwika bwino kapena malingaliro monga zatsopano monga ndalama zenizeni? Ili ndi limodzi mwa mafunso ambiri omwe azimayi ang'onoang'ono komanso apakati akudzifunsa okha momwe alili zachuma. Komabe, pali mafungulo ofunikira kwambiri omwe angakuthandizeni kusankha njira imodzi kapena ina. Kupitilira mbiri yomwe mumapereka monga ogwiritsa ntchito mgululi lazinthu zachuma.

Mitundu yosiyanasiyana yazogulitsa imasinthidwa munthawi iliyonse yolumikizirana ndipo pomwe pakufunika kuti mudziwe zofunikira zamtundu uliwonse wazogulitsa. Osati pachabe, kudzakhala kofunika fufuzani mwayi kuti misika yazachuma ikupatseni ndipo bwanji osatinso, zomwe zikuwopsezeni pakadali pano. Kudzera magawo onse awiri mudzatha kuzindikira kuti ndi chinthu chiti chomwe chili chabwino kwa inu. Mpaka kuti mudzakhale ndi mwayi wopanga katundu kukhala wopindulitsa mchaka chino.

Zachidziwikire, ngati mukufunadi kukonza magwiridwe antchito anu, simuyenera kungochulukitsa ndalama kapena ndalama zokhazikika. Ngati sichoncho, muyenera kutani tsegulani misika yatsopano ndalama komwe mungakhale ndi mwayi wokwaniritsa maloto anu. Ngakhale zikuwononga kutenga zoopsa zambiri pakusuntha komwe mumatsegula kuyambira pano. Ndichinthu chomwe muyenera kuwerengera nthawi zonse ngati mukufuna kukhala okonda kwambiri zokhumba zanu muubwenzi wanu ndi dziko lokhala ndalama nthawi zonse. Kodi mukufuna kudziwa malingaliro omwe muyenera kukhala nawo kuti mukwaniritse zolingazi? Samalani pang'ono chifukwa tikupatsani lingaliro lina lomwe mungakhale lothandiza m'miyezi ikubwerayi.

Phindu: ndalama zokhazikika kapena zosintha?

Ndilo vuto losatha lomwe amalonda ang'onoang'ono komanso apakatikati amakhala nalo. Mwanjira iyi, sankhani fayilo ya chikwama cha ku Ulaya Kungakhale njira yabwino yomwe ingakuthandizireni kukwaniritsa zilakolakozi. Komabe, kotala yoyamba ya chaka sinakhale monga amayembekezera ena mwa akatswiri azachuma. Mpaka kuti zizindikilo zambiri zamasheya zimasunthira m'malo oyipa. Mwachitsanzo, Ibex 35 yomwe imasiya pafupifupi 10% m'miyezi itatu yoyambirira yachaka. Mulimonsemo, ndi njira ina yomwe ingabweretse zabwino zambiri chaka chino. Ngakhale zili choncho, simudzakhala ndi chisankho koma kukhala osankha kuposa kale pakusankha kwamisika yamsika.

Ponena za ndalama zokhazikika, chilichonse chimadalira ndondomeko ya ndalama yochitidwa ndi mabanki apakati pamagawo akuluakulu azachuma padziko lonse lapansi. Mwanjira imeneyi, zonse zikuwonetsa kuti ntchitoyi idzalembedwa kumapeto kwa mfundo zowonjezera za European Central Bank (ECB). Ndipo kuwonjezeka kwa chiwongola dzanja kungakhudze misika yokhazikika. Koma m'lingaliro lotani? Chabwino, zophweka kwambiri ndipo ngati mitengo ikukwera, phindu la ma bond limatsika. Momwe zinthu zina zitha kupangidwako komwe phindu lingakhale labwino kuposa ma equity kapena mosemphanitsa.

Msika wa ndalama: zoopsa zambiri

ndalama Mosakayikira ndi msika wamsika wawopsa womwe umadziwika ndi kusintha kosalekeza kwamtengo wapakati pazachuma padziko lapansi. Komwe kusasinthika ndichikhalidwe chofala cha mayendedwe awo. Monga m'misika yochepa yazachuma zimachitika. Koma nthawi yomweyo zimakupangitsani kuti mutha kuchita bwino kwambiri kuti mutsegule misika yapaderayi. Komabe, msika wosinthanitsa ndi mayiko akunja sukuvomerezeka pakuchita kwakanthawi kapena kwakanthawi. Koma m'malo mwake, chifukwa cha kuyenda mwachangu komwe mungapeze phindu lalikulu. Kapena mwina mungataye gawo labwino lazachuma chanu.

Vuto lalikulu lomwe mumakumana nalo pantchito zamtunduwu ndikuti mukufuna fayilo ya kuphunzira kuti muziyenda m'misika iyi. Sizofanana ndi kugula ndi kugulitsa magawo pamsika wamsika, koma zosiyana. Ngati sizili choncho, ndibwino kuti musankhe njira zina zokhutiritsa zomwe mungakonde. Chuma chachuma ichi chimafunikira mbiri yabwino ngati simukufuna kupanga cholakwika chodabwitsa chomwe chimabweretsa zinthu zosafunikira ngati wochita bizinesi yaying'ono komanso wapakatikati.

Zambiri zopangira ndalama

Mkati mwa gulu ili muli njira zosiyanasiyana zakumvetsetsa ndalama. Pomwe ngongole pakati pa anthu kapena kugula malo ndi nyumba zitha kuyimira mwayi wabwino wopeza zabwino zonse. Kuchokera pazochitikazi, zomwe zimatchedwa P2P ndi njira yabwino kwambiri yolandirira chiwongola dzanja chaka chilichonse m'njira yopindulitsa, yotetezeka komanso chofunikira kwambiri chokhazikika. Momwe mungathere kupitirira mulingo wa 5%, kuchuluka komwe zinthu zosiyanasiyana zamabanki sizimafikira mulimonse momwe zingakhalire.

Chosafunikira kwenikweni pakugulitsa ndi kugula malo. Ndizodziwika bwino zomwe amalonda amatengera sinthani chidwi cha ndalama zanu. Ndizosadabwitsa kuti muli ndi mwayi wogwiritsa ntchito kukwera kwa malo m'miyezi yaposachedwa. Kumbali inayi, simungayiwale kuti amapanga njira yolondola yopezera ndalama ndikupanga phindu kwakanthawi. Monga momwe ena akugulitsa ndalama akupanga omwe akuwona njerwa yankho pamavuto azachuma kapena phindu.

Zochitika zaposachedwa: ma cryptocurrensets

bitcoin Imeneyi ndi malungo aposachedwa kwambiri koma ali pachiwopsezo chachikulu chomwe siabizinesi onse omwe amatha kupirira. Komabe, ndibwino kuti muzindikire kuti ndiye njira yosakhazikika komanso yosatetezeka yomwe muli nayo pakadali pano chifukwa ilibe lamulo. Mutha kupeza ndalama za 100%, koma momwemonso zimakusiyirani ndalama zofanana panjira. Ndi kulakwitsa kwakukulu kuti mumayika ndalama zambiri munthawi zina za zikhalidwe izi. Mpaka pomwe mutha kupeza zodabwitsa zina.

Amapangidwira mayendedwe m'misika yoyipa kwambiri ndipo amadziwika ndi Zopindulitsa sizowoneka. Simuyenera kutengeka ndi ndalama zamtunduwu kungoti ndizapamwamba, chifukwa kuwira kungapangitse zomwe zingakhudze kwambiri maudindo mumsika wosasangalatsa uwu. Zachidziwikire, sizikulimbikitsidwa kuti mukhale ndi mbiri yabwino yazachuma. Chifukwa inde mutha kutaya ndalama zambiri kuyambira pano. Musaiwale ngati simukufuna kulakwitsa zazikulu.

Msika wabizinesi ukukwera

Ndi njira zina zomwe mungasankhe chaka chino, ngakhale kuchokera m'njira zosiyanasiyana. Pomwe kuthekera kopeza ndalama m'makampani atsopano ndichosankha chenicheni chomwe muyenera kukonza magwiridwe antchito anu. Mbali inayi, mutha kugula magawo azinthu zamayiko osiyanasiyana omwe nthawi zonse amakhala osungika. Mulimonsemo, ndi gulu la ntchito zomwe ndizovuta kwambiri ndipo zomwe ziyenera kukupangitsani kukhala osamala kwambiri. Chifukwa zoopsa zake ndizokwera kuposa mitundu ina yazachuma.

Kumbali inayi, mitundu iyi ya Zachikondi imafunikira maphunziro olimba omwe simungathe kusonkhanitsa nthawi zonse. Izi zimapangitsa kuti isakhale chitsanzo kwa aliyense wogulitsa ndalama zazing'ono komanso wapakatikati. Ngakhale phindu lingakupindulitseni pazokomera zanu, komanso kuposa momwe mungapangire ndalama zosasinthika kapena zosinthika. Ichi ndi chimodzi mwazovuta zoyipa posankha mtundu wazogulitsa.

Pali golide nthawi zonse

golide Monga njira yomaliza, chitsulo chachikaso chimakhalapo nthawi zonse, chomwe chimakhala ngati chikhalidwe chobisalira munthawi zovuta pamisika yazachuma. Simungayiwale kuti phindu lake mchaka chino ndiloposa 10%, ndikukwera komwe kungapitilize chaka chonse. Koma, komabe, muyenera kukumbukira kuti kukwera mitengo ndi United States Federal Reserve (FED) ndikuwonjezeka kwa mtengo wa dola yaku US zitha kupondereza kutsika kwamalo abwino pabwino.

Ndi lingaliro lazogulitsa lomwe limasinthidwa mogwirizana ndi zofunikira zonse. Zina mwazifukwa zomwe mungagulire golidi weniweni kapena m'malo mwake m'njira yofananira. Ndi mawonekedwe amitundu iliyonse yazogulitsa. Monga njira ina yopezera ndalama zachikhalidwe, makamaka misika yachuma yomwe ikudutsa nthawi yabwino kwambiri. Kumene gawo lalikulu la chuma padziko lapansi limabisala kuti lipindule ndi chuma chawo.

Chifukwa imatha kukwaniritsa magwiridwe antchito osangalatsa kwambiri omwe nthawi zina amatha kufikira 50%, kapena kufunsa koposa. Monga zida zina zofunika kwambiri monga siliva, palladium kapena platinamu, mwa ena a iwo. Osachepera mutha kukhazikitsa mbiri yanu yazachuma pazinthu zapaderazi komanso zopindulitsa.


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