Rhoqo ngonyaka, nakule, nayo, kukho ingxaki engapheliyo yokuba kusetyenziswe ulawulo olusebenzayo okanye olungenzi nto kutyalo-mali. Njengokhetho lokwenza ukonga ngendlela enenzuzo ngakumbi kunangaphambili. Akunakulityalwa ukuba okwangoku iingcali zeemarike zezemali ziyavuma ukuba akukho mntu ubhetele kunomnye. Kwaye konke kuxhomekeke ngokusisiseko kwi iprofayile oyivezayo njengomtyalomali omncinci nophakathi. Kodwa nangayiphi na imeko, ngenjongo ecace gca kwaye ayikho enye ngaphandle kokuzama ukubetha ii-indices. Into ekungasoloko kulula ukuyenza ngempumelelo epheleleyo.
Ukufaka esi sicwangciso kutyalo-mali, imveliso oyikhethayo ayinamsebenzi. Kuyinyani ukuba kwiimeko ezininzi kubhekiswa ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya. Kodwa hayi kuphela, kodwa nakwezinye iimodeli ezinjengezo zimelwe yi mali mali, isalathisiwe okanye ii-ETFs. Yintoni, emva kwayo yonke loo nto, kukuba zinxulunyaniswa namanani. Nokuba yeyiphi na indalo apho uya kuyenza ibhalansi yeakhawunti yakho yokujonga ikhule. Yinto ekufuneka uyigcinile engqondweni kubudlelwane bakho nehlabathi elinzima dinero ukususela ngoku ukuya phambili.
Ngayiphi na imeko, ngaphambi kokukhetha ulawulo olusebenzayo okanye olungenzi nto, awuzukukhetha ngaphandle kokwazi iinjongo zakho ezikufutshane. Kuba ngokuxhomekeke kubo, ungasebenzisa isicwangciso esinye okanye esinye ukwenza ukonga kulondoloze. Ubunzima buya kuveliswa yinto yokuba ungazamkela iindlela zabo. Kuba zichasene ngokupheleleyo kwaye banokukukhokelela ekwenzeni impazamo engaqhelekanga. Kodwa ngaphezulu kwayo yonke into, hlonipha imigaqo yokusisigxina, ethi yona inazo njengezinye iinkqubo zolawulo ezahlukeneyo.
Ulawulo olusebenzayo: luzisa ntoni kuwe?
Okokuqala siza kubhekisa kule ndlela yokulawula ukonga kwakho. Ewe lolona lubhetyebhetye kuzo zonke. Phakathi kwezinye izizathu kuba inokulungelelaniswa nayo yonke imeko eboniswe ziimarike zezemali. Nokuba yeyiphi engathandekiyo kwaye imema ukuba uhlale kude kulo naluphi na uhlobo lotyalo-mali. Kungenxa yokuba, ukuba ulawulo olusebenzayo lubonakaliswa yinto ethile, kungenxa yokuba kuya kuhlala kukho imveliso okanye iasethi yezemali apho ungagcina khona imali yakho ukusukela ngoku. Nkqu ngeemodeli zengeniso emiselweyo, ezinje ngeebhondi kunye namatyala oluntu. Kuba imalunga nokusebenzisa amathuba oshishino.
Ulawulo lotyalo-mali olusebenzayo, kwelinye icala, lufuna ukuba udlulisele uxanduva kwabanye abantu. Nangona kuyinyani ukuba wena ukwimeko yokulawula iiasethi zobuqu okanye zosapho. Kwimeko apho kuya kufuneka uphonononge ipotifoliyo yotyalo-mali amaxesha ngamaxesha. Phakathi kwamaxesha amabini okanye amathathu ngonyaka ubuncinci kunye nokufumana iziphumo ezinqwenelekayo kwasekuqaleni. Kuya kufuneka uthathe inxaxheba ngalo naliphi na ixesha kwaye imeko yakho yotyalo-mali ingahluka. Ukwamkela iimeko ezintsha ezibekwe ziimarike zezemali.
Ezinye zeenzuzo zayo eziphambili
Ewe kunjalo, ulawulo lotyalo-mali olusebenzayo lukuzisela uthotho lwezibonelelo ekufuneka uzazi. Ngaba uyafuna ukwazi ezinye zezona zibalulekileyo? Ewe, nikela ingqalelo ukusukela ngoku kuba usenokuzidinga ebomini bakho bemali. Ngale ndlela, unokufumana imbuyekezo engcono phantse kuyo yonke imisebenzi eyenziwayo kwiimarike. Nokuba yeyiphi na indalo kunye nemvelaphi yeeasethi zemali. Phakathi kwazo kukho oku kulandelayo esikuvezayo apha ngezantsi.
- Uya kuba kwi indawo elunge ngakumbi ukuziqhelanisa nazo zonke iimeko. Nokuba yintoni engafunekiyo nguwe kwaye woyika kangakanani ngenxa yeziphumo ezinokuthi zivelise kwingxelo yakho yengeniso.
- Yindlela yotyalo-mali bhetyebhetye ngakumbi ngaphezu koxanduva. Isizathu kufuneka sifumaneke ngokukhululekileyo esinokuthatha ukusuka kwenye i-asethi yemali ukuya kwenye. Ngokukodwa xa izinto zingahambi ngendlela obuyilindele kwasekuqaleni.
- Unokuzivulela kuzo zonke iintlobo zeemveliso zemali okanye zokonga. Akukho mfuneko yokuba zidityaniswe ngokuthe ngqo kwii-equities. Ewe akunjalo, kodwa ukwimeko yokujika uye kwezinye iiasethi zemali zohlobo olwahlukileyo.
- Inefuthe elihle kakhulu xa izinto zingabonakali zilungile njengoko ubufuna ekuqaleni. Ayothusi into yokuba ulawulo olusebenzayo lwahlulwe kuba ungalutshintsha utyalo-mali nangaliphi na ixesha. Nokuba unotshintsho olukhulu kwipotfoliyo yakho yotyalo-mali.
- Imfuno esisiseko yokuphuhlisa ngempumelelo ulawulo kukuba unayo imali ezahlukeneyo ngokupheleleyo. Oko kukuthi, kwiimveliso ezimbini okanye ngaphezulu zeemeko ezahlukeneyo. Ungaze ubhasikithi wezabelo okanye kwimveliso ethile, njengoko abatyali mali abaninzi benamava amancinci kwiimarike zezemali. Zombini ezemali kunye nengeniso esisigxina.
Ulawulo lokuhamba: umda ngakumbi
Ngokumalunga nale ndlela yokulawula ukonga, inemigaqo yayo yokusebenza. Ukwahluka ngokuvakalayo kokusebenzayo. Benza ntoni ke? yiba ngxi ngakumbi kwizikhundla ezivulekileyo kwiimarike zezemali ziyinyani. Nokuba yeyiphi indlela, kuhlala kukho ukungangqinelani kolu hlobo lolawulo lokonga. Ukuya kweminye yemigca yokusebenza. Okucacileyo kukuba imali yakho iya kuhlala ikwindawo enye. Yiya kakubi okanye ulungile kwindaleko yeemarike zezemali.
Olunye lweempawu ezichaphazelekayo ezichaza ukuba yeyiphi into engalawulwayo kukuba awuzukukhathaza ukutshintsha okanye ukutshintsha ipotifoliyo yotyalo-mali. Yimeko entle kakhulu xa izinto zikuhambela kakuhle kwaye ungafumana imali kancinci kancinci. Ngokukodwa kwimeko enokubakho kwi-asethi yemali oyikhethileyo ukulungiselela iiasethi zakho zobuqu okanye zosapho. Njengoko sele ubonile, yimodeli yotyalo-mali eyilelwe ngokukodwa ezona profayili zomsebenzisi zilondolozayo. Bakhetha ukubamba izikhundla zabo ngaphezulu kwako nakuphi na ukwahluka kubuchule babo bolawulo.
Ingakumbi kolu lawulo
Ngokungafaniyo nolawulo olusebenzayo, lukhawulelwe ngakumbi kwiziphumo zalo. Umzekelo, inokwenza ukuba ulahlekelwe yimali ngalo naliphi na ixesha nakwimeko. Kungekudala emva kwendlela eqhelekileyo yeemarike zezemali isuka kwi-bullish iye kwi-bearish. Esi sesinye isizathu sokuba kuboniswe ngakumbi ixesha elide lokuhlala. Apho akufuneki ukuba uzikhathaze ngento enokwenzeka kuwe kwixesha elifutshane. Kwelinye icala, olu hlobo lolawulo lotyalo-mali lutyekele ngakumbi kwiimveliso ezilondolozayo. Phakathi kwazo kubandakanya ukuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya.
Ngaphandle kwenkolelo yenxalenye elungileyo yabatyali mali abancinci nabaphakathi, le modeli ayikho kwintlekele. Abanye babaphathi ababaluleke kakhulu ngalo mzuzu bakholelwa ukuba ngalo mzuzu ivolumu ebalulekileyo iqala ukuveliswa ngabaphathi abangacacanga. Enye yeemodeli apho le ntengiso igqithiselwa khona ikwiingxowa-mali zotyalo-mali. Zombini zidityaniswe kwii-equities kunye nengeniso esisigxina kwanokwamkela enye indlela okanye imali exubeneyo. Kwelinye icala, into eqhelekileyo kumaxesha andisiweyo okanye ubuncinci ngokunyuka okuphezulu kwiimarike ze-equity.
Imigqaliselo yolawulo nje
Ukuze ukwazi ukubona into onokuyifumana ngale modeli yolawulo ekugcineni abasebenzisi, akukho nto ingcono kunokufumana ezona mpawu zezazisi zichaphazelekayo. Ezinye zazo zezi zilandelayo.
- El ukungakwazi ukuhamba Utyalomali luhlobo oluqhelekileyo lwazo zonke izenzo. Akukho zizathu zohlengahlengiso, nokuba kungalungiswe kancinci kwipotifoliyo.
- Kuya kufuneka unoluvo lokuba ungayityala phi imali kwaye qhubeka kuyo nantoni na eyenzekayo. Nokuba kukho amaxesha apho ulahlekelwa yinto okanye imali eninzi. Imalunga nokuhambelana nemigaqo ethile yotyalo-mali.
- Iyafuneka kuncinci ulwazi lokufunda ngemali ngaphezu kwemodeli yolawulo. Ngokusisiseko uninzi lwabatyali mali abancinci nabaphakathi. Ziyimfuneko ukwenza ugqithiso phakathi kweemveliso zalo naluphi na uhlobo. Ngale ndlela, indawo okuyo iya kuhlala ikhululekile. Phakathi kwezinye izizathu kuba akuyi kufuneka wenze nantoni na.
- Elinye lamaqhosha okuba yinkqubo esebenzayo kukukhetha udidi lotyalo mali azimisele kakhulu. Akukho kwiimveliso ezinobungozi obuphezulu kwiindawo zabo, ezinje ngeziqinisekiso okanye ezinye izinto.
- Olu tyalomali lunokuba nengeniso njengabanye. Isitshixo sempumelelo sixhomekeke umendo ezibonisa iimarike ezikhethiweyo ngalo lonke ixesha. Ngenxa yokuba ukhetho olubi lunokwenza ukuba ulahlekelwe zii-euro ezininzi apha endleleni. Njengoko ubonile ngaphezulu kwesihlandlo esinye. Ewe?