Kugulitsa zachilengedwe, china choposa chizolowezi

Chimodzi mwamaubwino azachuma ndikuti zitha kuchitika m'njira zosiyanasiyana. Kuchokera pachikhalidwe kwambiri mpaka koyambirira kwambiri komanso kwatsopano ndipo izi zitha kudabwitsa ogwiritsa ntchito amodzi. Koma zachidziwikire, chimodzi mwazinthu zoyipa kwambiri ndi chomwe chimakhala ndi chilengedwe monga cholinga chake chachikulu. Kuphatikiza apo, imatha kuyendetsedwa kudzera muzinthu zosiyanasiyana zachuma, popanda malire pakugula ndi kugulitsa magawo pamsika wamsika. Mwanjira ina iliyonse, ndi njira ina yomwe muyenera kupangira ndalama kuyambira pano.

Chimodzi mwazokopa zakuitanitsa mtundu wamalondawu ndikuti mutha kuthandizanso zachilengedwe kudzera muzopereka ndalama. Kufikira kuti ndizochulukirachulukira pomwe zopezera ndalama zamakhalidwezi zimawonekera. Kuchokera munjira zonse, monga mudzatha kuwona kuyambira pano. Chifukwa chilengedwe ndi chuma chomwe chingakhale chopindulitsa kwambiri. Zowonjezera, ndioyenera kutengera zochitika zina kuti misika yazachuma itha kukhala bwino.

Lingaliro loti mugwiritse ntchito cholowa chanu pazachilengedwe limakhala ndi zosawerengeka mwayi. Kuchokera pamsika wamakampani ogulitsa pamitundu ina, monga kusungitsa ndalama kwakanthawi komanso ndalama zandalama. Njira yatsopano imatseguka kuti mugwirizanitse dziko lazogulitsa ndi njira yanu yomvetsetsa moyo. Kuti mukwaniritse zolingazi, tikukupatsani malingaliro omwe misika yamalonda osiyanasiyana imakupatsirani. Zachidziwikire kuti zina mwa izo zidzakopa chidwi chanu.

Zachilengedwe m'thumba

Zingakhale zocheperanji, zachilengedwe zimapezekanso m'misika yamalonda. Ngakhale ndizowona kuti kuchokera pamachitidwe ocheperako pokhudzana ndi magawo ena. Imayimilidwa makamaka ndimakampani omwe amagwiritsa ntchito mphamvu zowonjezeretsa ndipo amapereka njira zingapo. M'mayiko onse komanso m'misika yamayiko osiyanasiyana. Ambiri mwa iwo amachokera makampani amagetsi Kuyesera kuzolowera mitundu yamabizinesi iyi. Ndi kuvomerezedwa kwakukulu ndi osunga ndalama ang'onoang'ono komanso apakatikati.

Izi zimapereka zowonjezera zomwe zimawapangitsa kukhala osangalatsa kwambiri pazambiri zamabizinesi. Kuchokera mwaukali kwambiri kwa iwo omwe amafunafuna njira zowonongera zambiri. Pakadali pano zobwezera sizili zodabwitsa kwambiri. Koma m'malo mwake, amasunthira m'malire mwamtundu wamba. Komwe kampani imodzi yomwe yasankha kwambiri kugwiritsa ntchito mphamvu zowonjezerapo ili Iberdrola. Zapamwamba pankhani yogwiritsa ntchito mphamvu zatsopanozi.

Zachilengedwe ku USA

Njira ina ndikuwoloka nyanja ndikupita ku US equities. Chifukwa chakuti, mumakampani ofunikira azachuma omwe amalumikizidwa kwambiri ndi zachilengedwe adalembedwa. Komwe miyezo yazakudya ndi zinthu zomwe zimapereka khalidweli zimaonekera. Komwe phindu pazachuma lingasinthike. Ngakhale ntchitoyi iphatikizira zambiri kuwonjezeka kwa mabungwe imagwiritsidwa ntchito ndi mabungwe azachuma.

Ngati mumakonda zachilengedwe, palibe kukayika kuti pamsika uwu wa equity mudzakhala ndi mipata yokulirapo yobwezera ndalama zomwe mwasunga. Ngakhale kuchokera pamalingaliro omwe ali ogwirizana kwambiri ndi matekinoloje atsopano. M'malo mwake, kubweza kwawo kwakukulu ndikuti adzakhala osadziwika kwenikweni ndikuti sangakupatseni mwayi wodziwitsa makampani omwe asankha mtundu wapadera wabizinesi iyi. Aliponso m'misika yaku Europe, koma popanda mphamvu pamisika yaku America.

Ndalama zapadera zogulitsa

Mulimonsemo, chinthu chabwino kwambiri chomwe chikuwonetsa izi ndi ndalama zina zopezera ndalama. Ndi njira yosavuta yodziyimira nokha m'gawo latsopanoli. Nthawi zambiri kudzera m'makampani omwe amathandizira andale othandizira zachilengedwe. Komanso kudzera pazachuma chomwe chimakhazikitsidwa ndi mphamvu zoyera komanso zotsuka. Monga momwe zimakhalira ndi madzi kapena mphepo. Ndi njira yofala kwambiri pakati pa azachuma ang'onoang'ono komanso apakatikati kuti adziwonetse bwino pazachilengedwe.

Osati chifukwa ndi ndalama zachilengedwe ndizopindulitsa kwambiri kuposa zina zonse. M'malo mwake, zimakhudzana ndikusintha kwachuma m'misika. Mwanjira imeneyi, ziyenera kukumbukiridwa kuti mchaka chatha phindu lochuluka la ndalamazi adayandikira 8%. Ngakhale samawonetsa magawo ofanana nthawi zonse, ndizomveka kuti mutha kumvetsetsa. Mulimonse momwe zingakhalire, ndi njira yosangalatsa kwambiri yodziyika nokha pazachilengedwe popanda zovuta zambiri komanso m'njira yosavuta.

Ndalama zachuma pazinthu izi zimaperekedwa ndi oyang'anira ofunika kwambiri pamsika. Ndi mitundu yomwe imaphatikizanso ndalama ndi chuma china. Nthawi zambiri zimachokera ku zandalama komanso ndalama zokhazikika. Kotero kuti mwanjira iyi, muli m'malo abwino kusiyanitsa chuma chomwe mwayika nacho. Wopangidwa mwapadera kuti mutha kusintha zochitika zosiyanasiyana, kuphatikiza zovuta pamisika yazachuma.

Misonkho yolumikizidwa ndi gawo lino

Muli ndi njira zambiri zolumikizira ndalama ndi zachilengedwe. Chimodzi mwazofala kwambiri chimapangidwa ndi ndalama zomwe zimasungidwa, koma pakadali pano zimalumikizidwa ndi chuma chapaderachi. Ndi njira yokhazikitsira phindu lofooka loperekedwa ndi zinthuzi pakadali pano. Kuti muthe kudutsa gawo la 1% pazopereka zomwe mumapereka kudzera munjira zosungira izi. Zowonjezera, chiopsezo chidzakhala chotsika kwambiri kuposa cha zinthu zina zachuma, nthawi zambiri imagwirizanitsidwa ndi masheya.

Mulimonsemo, mudzapeza ndalama zokhazikika chaka chilichonse. Ndi mawu okhazikika mosiyanasiyana kuyambira pamenepo kuyambira miyezi 12 mpaka 48. Komabe, simungathe kuletsa misonkho pachiwopsezo cholipira ntchito yovuta kwambiri ya 2% pamalipiro omwe aperekedwa. Chitetezo ndi chimodzi mwazinthu zomwe zimadziwika kuti izi ndizopangidwa mwanjira iliyonse zomwe zimasinthidwa kukhala mitundu yonse yaosunga. Pomwe mbiri yodzitchinjiriza imakhazikika pomwe kukhazikika kwa ndalama kumachitika pazinthu zina mwankhanza. Mutha kutenga ndalama izi kuchokera kuzinthu zochepa kwambiri m'mabanja onse, kuchokera ku 3.000 euros.

Kupyolera mu ndalama zogulitsa

ETF imaperekanso mwayi wokwaniritsa zofunikirazi kuchokera kwa omwe amagulitsa ndalama zazing'ono komanso apakatikati. Koma kuchokera kuzinthu zowopsa popeza izi ndi Sakanizani pakati pa ndalama zachikhalidwe ndi kugula ndi kugulitsa magawo. Izi zikutanthauza kuti magawo azopeza phindu akhoza kukhala apamwamba kuposa njira zina zomwe takuphunzitsani. Mulimonsemo, kudziwa zambiri kumafunikira chifukwa cha zovuta za mtundu wopulumutsa. Chifukwa, kumbali inayo, mutha kusiya ma euro ambiri panjira.

Monga momwe zimakhalira ndi ndalama zothandizana, mitundu iyi imakonda kusungitsa ndalama zamafuta obiriwira kwambiri. Ngakhale m'zaka zaposachedwa mitundu yonse yazogulitsa yolumikizidwa ndi mphamvu zowonjezekanso ikulimbikitsidwanso. Chimodzi mwamaubwino andalama zosinthana ndi izi amasinthidwa pafupifupi nthawi zonse. Pomwe, mbali inayi, amapereka mabungwe omwe amapikisana kwambiri kuposa omwe amapezeka mumisika yamalonda. Komabe, ndi chinthu chachuma chovuta kwambiri kuposa enawo.

Malangizo othandizira ndi organic

Ngati mukufuna kusankha njirayi, simudzachitanso mwina koma kudziwa kuti simuyenera kusungitsa ndalama zachilengedwe chokha. Koma, m'malo mwake, lingaliro lanu liyenera kutengera njira zopezera phindu. Mbali inayi, musapereke chiwongola dzanja chokwera kapena chotsika pazokonda zawo. M'malo mwake, zidzatsimikiziridwa ndi mitundu ina yazinthu zomwe zimalumikizidwa ndikusintha kwamisika yachuma. Zimakhalanso zovuta kutsatira chifukwa zimachokera kumsika wina womwe nthawi zambiri suwoneka munyuzipepala.

China chomwe muyenera kuganizira ndi chomwe chikutanthauza mwayi wogulitsa. Chifukwa chakuti, siyongogulitsa kwakanthawi, koma m'malo mwake itha kugwiritsidwa ntchito pazochitika zilizonse m'misika yazachuma. Pazonse zokulirapo komanso zosavomerezeka pazofuna zanu ngati wogulitsa ndalama wocheperako komanso wapakatikati.

Ndizosadabwitsa kuti nthawi zambiri zimadalira kusintha kwachuma chachuma. Mpaka pomwe mudzakhala ndi zovuta zambiri kunyamula zakuya kutsatira malo otseguka mwazinthu izi. Ndikofunikanso kuti mudziwe kuti zosankha zomwe misika yapadziko lonse lapansi imakulitsa kuposa gawo lathu. Chifukwa kumapeto kwa tsikuli pali malingaliro ambiri omwe mungasankhe ngati mungayike gawo lina la cholowa chanu pachilengedwe.