Kutheni le nto iimali ezixubileyo zinokuba yenye indlela yokutyala imali?

imvelaphi Enye yezona mveliso zahlukeneyo onokuthi uzibambe okwangoku ziingxowa-mali zotyalo-mali. Kodwa kuya kufuneka uyazi ukuba zikwindalo entle, zininzi njengoko zininzi iiasethi zemali. Kukho nawuphi na, enye yezona zihoywa kakhulu ngabatyalomali abancinci nabaphakathi zixubekile. Yimodeli yotyalo-mali leyo dibanisa amanyathelo aliqela ezemali kunye, omnye nomnye, kokubini kwii-equities kunye nengeniso esisigxina, ngaphandle kokulibala enye indlela okanye nezikhundla zemali. Ngale ndlela, yingxowa-mali epheleleyo ehlanganisa iindlela ezininzi zotyalo-mali, ngaphandle kokuqesha iimveliso ezingaphezulu.

Ukusuka kule meko ngokubanzi, sesinye sezona zisombululo zizezona zikhuselayo ekungazinzini kweentengiso zezemali kwezi ntsuku. Phakathi kwezinye izizathu kuba zibandakanya ubude obufutshane malunga nenxalenye yengeniso esisigxina. Ngesizathu esicace gca kwaye ayikho enye ngaphandle kokunyuka kwenqanaba elibonakalayo kummandla we-euro. Ngale ndlela, enye yeempembelelo zokuqala ezenziwa lolu hlobo lwemali kukuba ikhusela ukonga kwakho ngakumbi. Ngengqiqo yokuba ilahleko ibekelwe umda kakhulu, ukuba ikho.

Yimveliso ehlengahlengisiweyo kuzo zonke iiprofayili zabatyali mali. Ukusuka kweyona nto inochuku ukuya kunqabileyo yokuzikhusela, ngaphandle kwezithintelo ngokubhekisele kubamkeli abanokubakho. Nangona ingabona basindisi abagcinileyo abathi ekugqibeleni bakhethe iimali ezixubeneyo zotyalo-mali. Ingakumbi kuba iyabavumela ukuba bahlukanise imali yabo okanye iiasethi ngokufanelekileyo ngakumbi. Ukusuka kwiindlela ezahlukeneyo zotyalo-mali onokuzikhetha ngendlela othanda ngayo. Hayi ngelize, banesithembiso esinamandla kakhulu esikhethwe lulo lonke uhlobo lwabaphathi belizwe nakwamanye amazwe.

Iimali ezixubeneyo: ziyaguquguquka

imvelaphiKutheni le nto olu hlobo lwengxowa-mali lunomdla kakhulu ukubhalisa ngoku? Kulungile ke, kuba eyakho ukuguquguquka kunye nokuguquguquka ibenza ukuba babe lelinye lawona manqanaba afanelekileyo kwimeko yangoku yeemarike zezemali. Apho, ii-equities zibonisa iimpawu ezixhalabisayo zobuthathaka kunye nengeniso esisigxina ayisiyiyo le nto yayiyiyo kwiminyaka embalwa edlulileyo. Ngomngcipheko wokuba ungashiya i-euro eninzi endleleni. Ukusuka kule meko yendalo iphela, iimali ezixubeneyo zotyalo mali zinciphisa umngcipheko. Nangona ngokuchaseneyo, banciphisa iinzuzo onokuzifumana kwimeko ebanzi yemijikelo yezoqoqosho.

Ufumana ntoni ngokwenene xa uqesha ezi mali zotyalo-mali? Ewe, into elula njengokuvula indawo yokuzikhusela ngakumbi kwiimarike kuba uza kukhetha ukunciphisa ubunzima bayo kwizabelo nokunciphisa ubude bexesha kwinxalenye yengeniso esisigxina ngenxa yomngcipheko wokunyuka kwamaxabiso. Njengoko sele sibonile, zininzi izibonelelo ezinokukuzisela oku iimveliso ezezimali kwimeko enje ngoku. Apho kwelinye icala awuyazi into omawuyenze ngemali yakho. Ngenxa yokuba imarike yemasheya ayikuqinisekisi kwaye ingeniso esisigxina igcwele uthotho lomngcipheko owawungenakucingwa kude kube yiminyaka embalwa edlulileyo.

Iimveliso zendalo eyahlukileyo

Ewe kunjalo, inye kuphela into ecace gca kwiingxowa-mali ezixubeneyo kwaye kukuba ngaphakathi kubo, sinokubona iindlela ezahlukileyo ezinokusetyenziswa kwihlabathi lotyalo-mali. Nkqu ukusuka iimodeli ezintsha kakhulu Oko kunokuba kukumangalise ngobunewunewu kunye nokuvela kwayo. Amanqanaba aya kuthi ajolise kwiprofayili oyivezayo njengomtyali mali omncinci nophakathi. Oko kukuthi, ngomngcipheko ophakathi okanye ngokucinga iindlela ezinobundlongondlongo. Kodwa kuzo zonke iimeko, utyalomali olwahlulayo, yiyo loo nto ichaza ezi mveliso zikhethekileyo sithetha ngazo.

Ngomnye umthambo, awungekhe ulibale ukuba iimali ezixubileyo zikunceda ukuba uphumelele i-beta kunye nomngcipheko kwiiphothifoliyo. Oku kusebenza kuxhaswa kuloo nto Ilahleko zencopho zihlala zilawulwa Kwaye zihlala zilungile umxube weepotifoliyo. Apho wena ngokwakho kunganyanzelekanga ukuba wenze nantoni na, kodwa ngokuchaseneyo yonke into iya kwenzelwa wena kwiinkampani zolawulo ngokwazo. Ngoobani abo bakhetha ukuba yeyiphi i-asethi yezemali efanelekileyo kakhulu ukwenza ukonga kubathengi okunenzuzo. Abanye babo banembuyekezo yonyaka enokuthi ifikelele nakwimivo ephindwe kabini. Ubuncinci iya kukunika ukuba ucinge malunga nokuba kufanelekile ukwenziwa ngokusesikweni ukusukela ngoku.

Ncedisa kwipotfoliyo yotyalo-mali

Ngayiphi na imeko, iimali ezixubeneyo ziluncedo olufanelekileyo kulo naluphi na utyalo-mali osele ulwenzile ukuza kuthi ga ngoku. Ngokuchazwa kwii-equities, iimali, izinto ezingasetyenziswanga, njl. Oko kukuthi, uya kuba nokuguquguquka okuninzi ukuphuhlisa isigqibo osithathileyo xa ukhetha enye yeemveliso ezinezi mpawu. Ewe kunjalo, ngakumbi kwiimodeli zesiko ezisekwe ngqo kwii-equities okanye kwingeniso emiselweyo. Ayothusi into yokuba yenye yeenzuzo ezinkulu zokubheja kule modeli yotyalo-mali ngeli xesha.

Kwelinye icala, abo babiziweyo njengabaxubileyo baya kuvelisa ukuba unokuba yinto ukuzola ebusweni bokungazinzi yeemarike zezemali. Njengoko kusenzeka kwezi nyanga kwaye oko kudala ukungacacanga kwenxalenye elungileyo yabatyali mali. Njengoko inokuba njalo kwimeko yakho xa usoyika into enokwenzeka kwilizwe elihlala linzima lemali. Ngale ndlela, iingxowa mali zotyalo-mali zikunika ukhuseleko ngakumbi kunabanye. Kodwa lumka kakhulu, kuba azikho ngaphandle komngcipheko. Akukho kuncinci, njengoko ubona kwangaphambili kwezi ngcaciso.

Injongo yexesha elide

imihla ebekiweyo Malunga nexesha elide, alithandabuzeki elokuba indibaniselwano yeeasethi zemali ezininzi inegalelo a ukungqinelana okuqinileyo ukongeza ixabiso kwiiphothifoliyo. Ewe kunjalo, ukusebenza kwayo ngokwamagama amafutshane kuthintelwe kunezinye iintlobo zeemali zotyalo mali. Kungenxa yokuba izicwangciso zabo zinzima ngakumbi ukuziphuhlisa ngenxa yeempawu ezizodwa zezi modeli ukwenza ukuba iiasethi zakho zenzuzo zibe nengeniso. Oko kukuthi, zenzelwe ixesha leminyaka embalwa ezayo kwaye zinokukunceda ususe ukungavisisani kulungiselelo lokungena kwiimarike zezemali.

Ngayiphi na imeko, uya kuhlala unethuba lokutshintshela iimali zakho ezixubileyo zotyalo-mali kwezinye iimodeli zolawulo. Uncedo kwesi sicwangciso kukuba ungayisebenzisa le nkqubo ngokungenamda, oko kukuthi, mangaphi amaxesha owafunayo ngokuxhomekeke kwiminqweno yakho. Kuba nayo ayizukuba neendleko zemali, kuba ngokuchaseneyo Awuyi kuhlawula i-euro enye kule misebenzi. Imvelaphi yengxowa-mali ayinamsebenzi kuba eyona nto ifunekayo kukuba imali ibekwe kwibhanki enye. Kwaye uyiqondise kwingxowa-mali ocinga ukuba ifanelekile, nokuba injani na.

Ziyimali elawulwa ngakumbi

Ukuba ezi mveliso zezezimali zibonakaliswa yinto ethile, kungenxa yokuba ungalawula ngakumbi izikhundla zabo. Kuyaphikisana, kodwa kungenxa yokuba oscillations zayo zincinci kunakwimali yotyalo-mali esekwe kwingeniso eguqukayo okanye esisigxina. Akumangalisi ukuba, ukungazinzi kunciphe kakhulu kuba kunqabile kakhulu ukuba kube nokutshintsha kobundlobongela. Ukusuka kule meko, ziimveliso ezinokuthi zithathelwe ingqalelo njengezinzile. Into engathethi ukuba baxolelwe kwilahleko ngexabiso labo. Ewe akunjalo, njengoko ubona ngovuko lweemodeli kulawulo lwemali.

Ngeekhomishini ezahlukeneyo

iikhomishini Enye into ekufuneka uyiqwalasele ngoku kukuba ukuqesha kwakho kubandakanya intlawulo yee-commissions ezininzi. Njengakwimali eseleyo yotyalo mali, nangona kunjalo Kuyamangalisa ukuba badlule kwi-1,50% Kwimali eyinkunzi. Iikomishini zale mveliso yemali zihambelana nezo zithathwe ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya. Kwaye kwandiswe ngakumbi kunemali yokurhweba ngokutshintshiselana eyaziwa ngokuba yi-ETFs. Ngale ndlela, akuyi kubakho yantlukwano ebonakalayo ngokubhekisele kwezinye iindlela zotyalo-mali.

Kuya kufuneka ukhumbule ukuba bohlwaywa ngenxa yabo unyango lwerhafu. Oku kuthetha ukuba xa ubuyisa imirhumo yakho yezemali kunye nezinto abanomdla kuzo, baya kuyitsala irhafu. Oko kukuthi, imbuyekezo epheleleyo ayizukuya kwiakhawunti yakho yokonga. Ke ngoko elona qhinga lakho lilungileyo ligxile ekugcineni iimali ezixubekileyo ixesha elide ukuzama ukubuyekeza le nkqubo yerhafu.

Ukusuka kolu luvo, ayisiyiyo enye yezona mveliso zicetyiswayo, kodwa ilungelelaniswe neeprofayile zabamkeli ezithile. Ngayiphi na imeko, yenye yeendlela ezizezinye onazo okwangoku zokonga imali. Nangona usuka kwindlela entsha ngakumbi kunamanye amanyathelo onawo ngaphambi kwakho. Ngeentlobo ngeentlobo zeemodeli eziya kugqitywa kwiprofayili nganye yabatyali mali abancinci nabaphakathi. Ngaphaya kobunye ubuchwephesha kwaye mhlawumbi nokuthathela ingqalelo okusisiseko. Ukusukela ngoku kuya kufuneka uhlolisise ukuba kufanelekile okanye akunjalo.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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