Los mali mali Izinto zokulingana ziimveliso ezisekela iiphothifoliyo zazo kutshintshiselwano kwihlabathi liphela. Banethuba lokwenza imali ngokulondolozwa kunye nemida ephezulu yenzuzo, xa kuthelekiswa nengeniso esisigxina, exutywayo, okanye enye indlela. Kodwa ngendlela efanayo, umngcipheko onokuthi usebenze nawo unzima kakhulu. Ukuya kwinqanaba lokuba ayothusi kakhulu ilahleko ebaluleke kakhulu yokulingana ukuba imeko yeemarike zentengiso ayonelanga.
Enye yeenzuzo ezinkulu onazo xa ukhetha ezi mveliso kungenxa yokuba isithembiso esenziwe ngabaphathi sibanzi kwaye sahlukile, nazo zonke iintlobo zezindululo, kunye neyona profayili inzima. Ezinye zazo zazingacingeki de kube yiminyaka embalwa edlulileyo, njengoko ziyimveliso yokwenene ngokwenene. Kwaye apho unokufikelela kuphela kwiingxowa mali. Zigubungela zonke iindawo zejografi, kodwa kwanezitokhwe, amacandelo kunye nezalathiso zesitokhwe. Akukho mida kwizindululo zakho, ezibandakanya ukutshintshiselana kwesitokhwe kwihlabathi liphela.
Kwiimali zotyalo-mali zimbini iimodeli zokudityaniswa kwayo oko kunokuba nomdla kuwe. Kwelinye icala, ezi zimileyo, ezigcina iphothifoliyo yakho yotyalo-mali iminyaka emininzi, ngaphandle kotshintsho okanye uhlengahlengiso kwiiasethi zakho zemali. Banelungelo lokuyazi ukusuka kumzuzu wokuqala apho utyale imali, kwaye ngenxa yesicwangciso-qhinga sentengiso, ukuqiniseka kwendlela abaya kusabela ngayo nakweyiphi na imeko yezoqoqosho. Banolwazelelelo phakathi kwabatyali mali abalondolozayo.
Iimali eziguquguqukayo zotyalo-mali
Kwaye kwelinye icala, iimali zotyalo-mali eziguqukayo. Ukonyuka kwemfuno kubo bonke abatyali mali, hayi eyona ikhuselayo. Babonakala ikakhulu kuba Iiphothifoliyo zabo ziguqulwa ngokwendlela yeemarike zezemali, Ukubonelela nangeniso esisigxina kwiimveliso ukuba kunyanzelekile. Akumangalisi ukuba eli klasi leemali linokuziqhelanisa nazo zonke iindlela zentengiso yeestokhwe zamanye amazwe: i-bullish, i-bearish kunye ne-lateral. Zonke zigutyungelwe ziinkampani zolawulo. Kwaye ngokusekwe kubo, bahlaziya ukubhalwa kwabo.
Olu hlobo lotyalo-mali luvumela abathathi-nxaxheba kwezi mveliso ukuba babenako zikhusele kwiimeko ezi-bearish kwiimarike zezabelo. Nokuba kungasetyenziswa izicwangciso zokuqala ezenza ukuba bacebiseke kakhulu kwiimeko ezithile. Ukuza kuthi ga kwinqanaba lokuba yimodareyitha kumandla abonakalayo kwiminyaka yakutshanje, ukukwazi ukukhetha phakathi kweemodeli ezininzi abaphathi bezi mveliso zezezimali beziphuhlisayo. Ukujoliswa kumaxesha okungaqiniseki kwezoqoqosho.
Enye indlela yolawulo ekhethiweyo yile Iimali ezibiyelweyo zemali. Kwaye kunokuba luncedo kakhulu ukukukhusela kukungazinzi kwezinye iimali zamanye amazwe, ngakumbi i-euro nedola yaseMelika. Ngokuqinisekileyo uya kufumana iimali ezininzi zotyalo-mali ezibonelela ngolu hlobo lukhethekileyo. Kwaye uya kuba nazo njengenye indlela yokuphucula ipotifoliyo yezi mveliso ukusukela ngoku.
Bagquma zonke iingxowa ezisehlabathini
Kodwa ukuba imali yotyalo-mali eguqukayo ibonakaliswa ngento ethile, kungenxa yokuba unokukhetha indawo oya kuyo oyigcinileyo. Kude kube kufikelelwe kutshintshiselwano lwesitokhwe olungalindelekanga, kwilizwekazi laseAfrika, okanye naseMpuma Yurophu. Akukho zithintelo zalo naluphi na uhlobo lokuzibhalisa, kwaye ukuba uza kutyala imali kuzo kwiinyanga ezizayo, sele uyazi ukuba ungaya nakweyiphi na imarike yemasheya, nokuba kubonakala ngathi ikude kangakanani. Nangona kuyinyani ukuba ubukho beemarike zaseYurophu naseMntla Melika kulawula uninzi lwezi zindululo zemarike yemasheya. Nokuba ukudibanisa iindawo ezahlukeneyo kwingxowa-mali enye, njengesicwangciso-qhinga sorhwebo sokwahlula ukonga kwabasebenzisi. Ngale ndlela, zikhusele kwiziganeko ezingavumelaniyo nomdla wakho.
Ukuba endaweni yoko ufuna utyalomali kumazwe asakhasayo (IBrazil, India, Mexico, Argentina, South Korea kunye nezinye ezininzi), awuyi kuba nangxaki yokuzifumana nazo. Isibonelelo sigcwele ezi mali zotyalo-mali, ngeendlela ezahlukeneyo onokuthi urhumele kuzo ngokuxhomekeke kwiimeko zentengiso. Nangona kunjalo, bathambekele ngakumbi kukungazinzi, kuba bathambekele ekunyukeni ngaphezulu, kodwa ngenxa yesizathu esinye, behla kakhulu ngakumbi.
Iimali ezisekwe kutshintshiselwano lwesitokhwe sikazwelonke
Ukuba, ngokuchaseneyo, injongo yakho ayikokushiya imida yelizwe, uya kuba nesibonelelo esibanzi ngakumbi. Ukwazi ukukhetha amacandelo, iinkampani, nokuba ufuna ezo zihambisa izabelo phakathi kwabanini zabelo. Ngoncedo olubonakalayo ngaphezulu kwezinye iimali, kwaye kunjalo iikhomishini zakho ziya kukhuphisana ngakumbi, ukubanakho ukwehlisa iirhafu zabo phantse sisiqingatha sexabiso xa kuthelekiswa neemarike zamanye amazwe. Elinye igalelo labo kukuba uya kuba nokufikelela okulula kwezi mveliso ngenxa yokusondela kwazo, kunye nokuzilandela ngemithombo yeendaba ekhethekileyo.
Ngokwenza iimodeli zolawulo ezahlukeneyo, ziya kwenza isigqibo sakho sibe nzima ngakumbi ukusithatha. Kuya kuthatha iintsuku ezininzi (okanye iiveki) ukumisela ukuba zeziphi ezifanelekileyo ezifanelekileyo kwiprofayili yakho njengomtyalomali omncinci. Ayizukwakha into engaqhelekanga, ke ngoko, ukuba ufuna ingcebiso yengcali kwezi mveliso, ngubani na oya kuthi ekugqibeleni azitshintshe izikhundla zakho kwizabelo kwimisebenzi yeziyilo.
Yakha iphothifoliyo yotyalo-mali
Akucetyiswa ukuba ukhethe ingxowa-mali enye yotyalo-mali, kodwa uninzi, kwaye ukuba kunokwenzeka ngolunye uhlobo, oluya kuthi ekugqibeleni lwenze iphothifoliyo yakho yotyalo-mali. Kwelinye icala, kunye nokukhusela ukonga, imeko efanelekileyo kukuba dibanisa nezinye iimali ezahlukeneyo zotyalo-mali. Apho, ewe, iimveliso ezisekwe kwingeniso emiselweyo, iimodeli ezixubeneyo, okanye ezinye iindlela akufuneki zisilele.
Umlinganiso kwi ubume bayo buya kugqitywa ngokusekwe kwiprofayili oyivezayo njengesigcina-nkonzo: ndlongondlongo, phakathi okanye ngolondolozo. Kwaye oko kunokwahluka rhoqo njengoko iimeko zentengiso zitshintsha, okanye ubona nje ukuba ukusebenza kwayo akulona lufanelekileyo kwimidla yakho. Iphothifoliyo esekwe kwiingxowa-mali ezintathu okanye ezine ezifanayo iya kuba sisiqalo esihle sokuqala ukwenza iiasethi zinenzuzo ngempumelelo enkulu.
Ukwahluka, kwelinye icala, kuya kuba ngumthetho osisiseko kwizenzo zakho, uhlala uzama ukufumana iimali ezihambelana. Kwaye naphantsi kwazo naziphi na iimeko ziphindaphinde kwiiphothifoliyo zazo, kuba uya kuba wenza impazamo eqhelekileyo phakathi kwabatyali mali: ukuthatha inxaxheba kwimali yotyalo-mali eneempawu ezifanayo. Kuya kufuneka uyiphephe kuzo zonke iindleko ukuba awufuni kuba nesimanga esibi ukusukela ngoku. Usagcine ixesha, ungalibali.
Isigqibo sokuphucula ipotifoliyo yakho
Ngenxa yeempawu ezizodwa zezabelo ngokubanzi, awuzukukhetha ngaphandle kokungenisa uthotho lwezenzo ukukhusela iimali zakho zotyalo mali. Kwaye ukuzama ukufezekisa eyona nzuzo inkulu, nakuzo zonke iimeko zoqoqosho. Ewe ayizukuba ngumsebenzi olula, kodwa ukuba wenza ngokuzimisela, kunye nengqeqesho encinci, ngokuqinisekileyo uya kuba nakho ukuhlangabezana neenjongo.
Ukwenza iminqweno yakho izaliseke, asisayi kubakho esinye isisombululo ngaphandle kokulandela uthotho lweengcebiso ezona njongo zazo kukuhambisa imali oyigcinileyo ngokusebenzisa imali yotyalo-mali esekwe kwii-equity. Kwaye oko kuya kuqala ngokusuka kwezi ndawo zilandelayo zidweliswe apha ngezantsi.
- Zama ukukhangela kwiimarike zesitokhwe ngenzuzo ephezulu kwiiasethi zabo zemali, Ukuphelisa kwiphothifoliyo yakho ezivelisa ukungazinzi okukhulu, okanye zilawulwa ngokuthe ngqo kwixabiso lazo ngokwehla ngokucacileyo.
- Phakathi kweemali ezininzi ezineempawu ezifanayo, Soloko uthathe isigqibo sokuba zeziphi iikhomishini ezisezantsi ezibandakanya kwizigatshana zayo zesivumelwano. Esi sesinye sezona zikhokelo zibalaseleyo zokuhambisa ngokufanelekileyo utyalomali lwakho.
- Awunakukhetha ngaphandle kokufana umngcipheko owuthathayo ngamashishini, nangona isivuno sinokubanzi ngakumbi kunasosigxina, kwaye kwiminyaka ethile bafikelele kuma-40%.
- Khangela ifomathi ebhetyebhetye ngakumbi kwimali, ekuvumela ukuba usebenze kuzo zonke iimeko ezinokwenzeka, ukusuka kwezo zintle kakhulu kwimidla yakho, kunye nezo zingathandekiyo, kodwa uhlala ufumana imbuyekezo kwimisebenzi yakho kwiimarike.
- Ayizizo zonke izinto zotshintshiselwano ezithandekayo ngokulinganayo (okanye eziyingozi), kwaye injongo yakho iya kubandakanya khangela ezona ntengiso zininzi zempahla yonke amaxesha, eziya kufuna ubhetyebhetye ngakumbi kwiimodeli ezikhethiweyo.
- Sukwabela yonke imali yakho oyigcinileyo kwingxowa mali, kodwa ukubancedisa kunye nezinye iimveliso ezikhuselekileyo kunye nembuyekezo eqinisekisiweyo (iidipozithi zekota, iinowuthsi zebhanki, iibhondi, njl. njl.
- Zama ngazo zonke iindlela ukukhetha ezo mali zotyalo mali urhwebo phantsi kwemali yasekhaya (euro), kwaye awuyi kungena kuyo nayiphi na ikhomishini yotshintshiselwano lwemali. Ukuze ngale ndlela, ube nokugcina iindleko zezi mveliso zemali.
- Ngokufumana isithembiso esinamandla, awuzukukhetha kodwa khetha kakhulu kukhetho Iimali zengxowa-mali, zifuna iimodeli ezinenzuzo enkulu. Kwaye ukuba kunokwenzeka, baneekhomishini ezikhuphisanayo kwiimarike.
- Sukwabela imali yakho eninzi kule klasi yemali, kuncinci kwiimarike ezinobungozi obukhulu, njengeemarike ezikhulayo okanye ngaphezulu okanye ngaphantsi kokutshintshiselana kwesitokhwe. Uya kubeka emngciphekweni igalelo lakho ngokugqithileyo.
- Kwaye okokugqibela, ungaze ulibale ukuba ixesha elifanelekileyo lokuhlala kweli klasi leemveliso zezemali Yenzelwe eliphakathi nelide. Amaxesha amafutshane kukhethwa ukuba ukhethe ezinye iindlela ze-agile ezicetyiswayo ngezi zihlandlo. Imali yokurhweba ngokutshintshiselana, imarike yesitokhwe okanye iziqinisekiso zezinye zazo.