Enye yezona zinto zintle kakhulu ezisebenzayo kwimidla yabatyali mali abancinci nabaphakathi yenziwe ngokudluliselwa phakathi kwengxowa mali. Ayisiyiyo kuphela intshukumo enenzuzo kakhulu, kodwa ayibizi euro kubathathi-nxaxheba bale mveliso yemali. Logama zisenziwa kwiziko elifanayo lezemali, nokuba yeyiphi na. Kwelinye icala, ngesi sicwangciso-buchule sikhethekileyo, abagcini mali bayakuphepha ukuhlawula nayiphi na irhafu yezibonelelo ezifumaneke ngalo lonke ixesha lokonga. Ngokuqinisekileyo kwimeko apho bekukho. Kude kube kwenziwe uhlangulo olufanelekileyo, ngokuyinxenye okanye ngokupheleleyo.
Ukutshintshwa phakathi kweemali zotyalo-mali ngumsebenzi ovulekileyo kubo bonke abatyali mali, ngaphandle kokukhutshwa kwalo naluphi na uhlobo. Ayisiyongxaki nokuba ngaba yimali esisigxina, iyahluka, ixubekile, enye okanye ezinye iimali. Hayi lilize, unako ngqo kuyo nayiphi na iasethi eyimali apho ingxowa-mali isekelwe. Ukuza kuthi ga kwinqanaba lokuba kuluncedo olucacileyo kunezinye iimveliso zezezimali, nokuba ezinye zifana kakhulu nemali yotyalo-mali ngokwabo. Apho okubalulekileyo kukuba ngokutshintshiselana ngemali uphucula inzuzo kwizindululo zakho zotyalo mali.
Ngayiphi na imeko, kuya kufuneka ukhokelwe ziikhrayitheriya ezingaphezulu okanye ezingaphantsi ukuba ufuna ukufezekisa le njongo ekusebenzeni. Kubaluleke kakhulu ukuba uyisebenzise noqeqesho oluthile ukuze ungangeni kwiimpazamo ezinokubangela ukuba ulahlekelwe yimali engaphezulu kunokuba bekulindelwe kule mveliso yemali. Kungenxa yokuba ekupheleni kosuku into ebandakanyekayo kulo msebenzi kukuba uneepotifoliyo ezinamandla ngakumbi zotyalo-mali kule minyaka imbalwa izayo okanye apho ufuna ukuvala izithuba ngokwakho. Kuba njengoko usazi kwingxowa mali yotyalo-mali ungashenxisa izikhundla nangaliphi na ixesha, ngaphandle kwemida yalo naluphi na uhlobo. Ngokungafaniyo neziqinisekiso okanye iimali ezithengiswayo apho awunakukhetha ngaphandle kokulinda imihla yokuphelelwa.
Iimfuno zokwenza ugqithiselo
Naluphi na utshintsho phakathi kweemali zotyalo mali kufuneka ukuhlangabezana neemfuno ezisezantsi ukuba igqitywe ngokuchanekileyo. Kwindawo yokuqala, kuya kuba yimfuneko ngokupheleleyo ukuba imali ibekwe kwiziko elinye lemali. Emva koko imisebenzi yenziwa kwimveliso efanayo yemali, kule meko kutyalo mali. Kwaye kwindawo yesithathu neyokugqibela ukuba akukho buso okanye ukuthengisa ngokupheleleyo kubo. Ukuba uyazifezekisa ezi mfuno, uya kuba kwimeko egqibeleleyo yokudlulisa phakathi kwengxowa mali yakho.
Ngayiphi na imeko, ungathatha isicwangciso esiphindwe kabini. Ziqhelanise notyalo-mali lwakho ngokuyinxenye okanye ngokupheleleyo. Oko kukuthi, ungadlulisa enye yeengxowa-mali zakho zotyalo-mali okanye, ngokuchaseneyo, uguqule ipotifoliyo yakho yotyalo-mali. Esi sigqibo siza kuxhomekeka kwiinjongo zakho, kodwa ngaphezulu kwako konke kwiprofayile oyivezayo njengomtyali mali omncinci nophakathi. Oko kukuthi, kuxhomekeke ekubeni ungumsindisi onobundlongondlongo, ophakathi okanye okhuselekileyo. Kuxhomekeka kule parameter ibalulekileyo, ndingakhetha enye okanye enye imali yotyalo mali. Akumangalisi ke ukuba unesithembiso esibanzi sokukhetha kuba yenye yezona mveliso zezezimali zixabisekileyo.
Isitshixo sokuqala: ukwahluka
Ukwenza ugqithiselo phakathi kwemali yotyalo mali ngendlela echanekileyo nesebenzayo, umthetho wokuqala wegolide ayikokudlulisela kwingxowa mali enye yotyalo mali. Akunyanzelekanga ukuba uyenze naphantsi kwazo naziphi na iimeko kuba kuyimpazamo ukuba ungahlawula imali eninzi ukusukela ngoku. Kuya kufuneka uyiphuhlise kwiingxowa-mali ezininzi zotyalo-mali, kodwa okubaluleke ngakumbi, kukuba zinayo Iimpahla ezahlukeneyo zemali. Phakathi kwe-equity, i-fixed, enye okanye iimali zemali. Akumangalisi ukuba unokuninzi onokukhetha kuzo kwaye kuya kufuneka uhambise imali yakho ngokufanelekileyo ukuzikhusela kwezona meko zibi kwiimarike zezemali.
Ngomnye umthambo, olu khetho kufuneka ukuseka ngokusemthethweni phantsi a inqobo yokulinganisa. Ngamanye amagama, ukunganyusi ngokugqithileyo kwenye iiasethi zemali ngaphezulu kwenye. Esi sesinye sezitshixo kwimpumelelo yemisebenzi yakho kwicandelo lotyalo-mali. Ngaphezulu kokuthathelwa ingqalelo kwezobuchwephesha kwaye mhlawumbi nakwindawo yokujonga esisiseko. Ungakulibali ukuba awufuni kuba nesimanga esibi ukusukela ngoku. Kuba yenye yezona mpazamo zixhaphakileyo kubatyali mali.
Isitshixo sesibini: iiasethi ezahlukeneyo
Ewe kunjalo, ukwalathisa lonke ulondolozo lwakho kwingxowa-mali yengeniso esisigxina, umzekelo, ayilo luvo luhle olo. Hayi kangako. Kukulungele ukusasaza phakathi kweemveliso ezahlukeneyo ukuze zikwazi ukuzaliswa ngokuchanekileyo. Ngokukodwa kumaxesha amabi kakhulu kwiimarike zezemali. Kwipesenti eyoneleyo neya kuthi igqitywe yimodeli yotyalo-mali onayo ngelo xesha. Ngale ndlela, akukho mathandabuzo ukuba uninzi lwakho unazo izicwangciso zokuqesha Zonke ziyasebenza nakweziphi na iimbono.
Kwelinye icala, unokonyusa iasethi ethile yemali esekwe kwi ulindelo lokukhula ekusebenzeni. Ngamanye amagama, ukuba ubundlongondlongo ngakumbi, kuya kufuneka ungene nzulu kwingxowa mali yotyalo-mali esekwe kwii-equities. Ngelixa ngokuchaseneyo, ukuba into oyifunayo kukukhusela imali yakho ngaphezulu kwezinye izinto eziqwalaselweyo isisombululo kunokuba kukuqhubeka nokunyusa ingeniso esisigxina okanye iimali zemali. Ukongeza, kule ngqiqo, iibhanki zinokukunceda ukuba uthathe isigqibo ngokubandakanya iipotifoliyo zotyalo-mali onokuzenza ngokuzimela kwazo.
Isitshixo sesithathu: iindawo ezikhuselekileyo
Ukuba ngaphezulu kwako konke ufuna ukukhusela izikhundla zakho ngokusebenzisa olu hlobo lotyalo-mali, awungekhe ulibale ukukhetha ifayile ye- Imali yeNgxowa-mali. Ewe inzuzo yayo ayizukuonwabisa kakhulu, kodwa ubuncinci uya kuba nesiqinisekiso sokuba ayizukubakho iyantlukwano enkulu kwimali oyigcinileyo. Luluvo olusebenzayo kakhulu kwimeko ezingafumani mvuzo kwiimarike zezemali kwaye apho ungalahla khona imali engaphezulu kunokuba ubucinga ekuqaleni. Ngale ndlela, ukuba ungumtyali mali okhuselayo, alithandabuzeki elokuba ingxowa mali ayifanele ilahleke kwipotfoliyo yakho yotyalo mali.
Kufuneka kukhunjulwe ukuba kuyasebenza kakhulu ukuba uxhase utyalo-mali lwakho ngotyalo-mali oluthembekileyo noluxhaswe nguRhulumente iwonga lomphathi olungileyo. Le nto ibaluleke ngakumbi kunokuba ucinga kuba sisicwangciso esinokuthi sikunike imali eninzi kunokuba ucinga. Akumangalisi ukuba kukho abaphathi bengxowa-mali bamanye amazwe abaneemali ezikhuphisana kakhulu kwaye banikezela ngembuyekezo enomdla minyaka le. Kulapho kuya kufuneka uyalathise khona imali yakho ukusukela ngoku ukuba ufuna ipotifoliyo yakho yotyalo-mali ikhule kakuhle okanye ubuncinci ilawulwe kancinci.
Isitshixo sesine: amagama otyalomali
Kubaluleke kakhulu ukuba uthathele ingqalelo into eyiyo ixesha lokuphelelwa kwiimali zakho zotyalo-mali. Kuba ngokuxhomekeke kolu tshintsho lubalulekileyo, kuya kufuneka ukhethe ezinye iimveliso okanye ezinye. Awunakukhetha ngaphandle kokukhetha esi sicwangciso sotyalo-mali esahlukileyo njengoko siza kusebenza ngakumbi kwaye uya kuba nakho ukwenza imali yakho ibe yinzuzo ngakumbi kunangaphambili. Kungenxa yokuba, iya kukunceda ukuphucula ukubekwa kwakho kwiimarike zezemali kwaye ngaphezulu kwezinye iindlela eziqhelekileyo okanye zesiko.
Ngale ndlela, inkqubo esebenzayo kukhetha amaxesha aphakathi okusisigxina ukuze ukwazi ukuziqhelanisa nazo zonke iintlobo zemo, nkqu neyona ingathandekiyo. Kuya kufuneka uqaphele ukuba ukhetha ingxowa mali yotyalo mali enesisombululo esikhawulezileyo. Kwimeko apho ufuna imali ngayo nayiphi na imfuno yezemali kwaye unokwenza uhlobo oluthile lokuthengisa ngokuthe ngqo okanye ngokupheleleyo ukubuyisa inxalenye yemali yakho. Akumangalisi ukuba, khumbula ukuba kukho iimveliso ezinezi mpawu.
Isitshixo sesihlanu: ulawulo olusebenzayo
Kuyakubaluleke kakhulu ukuba icandelo elilungileyo kulawulo lotyalo mali lwakho lwenziwe phantsi kwempawu. Ewe kunjalo, iya kuba sesinye sezona ndlela zintle zokuziqhelanisa nazo zonke iintlobo zemo, ngaphandle kokuba wenze nantoni na. Umphathi ngokwakhe uya kujongana Khetha ezona asethi zibalaseleyo zemali kuwo wonke umzuzu. Ukonzakala kolawulo lokuhamba, olucebisa ngakumbi kumaxesha okunyusa kwiimarike zemali. Unokukhetha ezi modeli zimbini zotyalo-mali kwipotifoliyo yakho yemali.
Kwelinye icala, ulawulo olusebenzayo likuvumela ukuba ubhetyebhetye ngakumbi kwiindlela zakho zotyalo-mali. Nangona ngokuchaseneyo, zihlala zinekhomishini ezihlala zanda ngakumbi ngenxa yeempawu zemveliso uqobo. Ukongeza, inokuba nendlela ende ngokubhekisele kubude bayo kuba ibonakalisiwe kuzo zombini amaxesha e-bearish kunye ne-bullish, ngokungacacanga. Ukuza kuthi ga kwinqanaba lokuba ukusebenza kwabo kungangaphezulu kuyo yonke imiqathango abayalelwa yona. Ukuba ungenisa olu luvo ngokuqinisekileyo izinto zinokuhamba ngcono ukusukela ngoku. Nokuba yeyiphi iprofayile oyivezayo.