Xa kuziwa ekulawuleni i-capital yethu kubalulekile Ulwahlulo olwahlukeneyo ukunciphisa umngcipheko onokusikhokelela ekonakaleni. Nokuba lingabonakala likhuselekile kangakanani na ishishini, kusoloko kukho umngcipheko (kwaye ukuba asiwuboni umngcipheko sinengxaki enkulu) ke kubalulekile ukugubungela imiqolo yethu kwaye singatyali ipesenti ephezulu kakhulu yemali yethu ishishini elinye. Okanye njengoko ilizwi lihamba, musa ukubeka onke amaqanda akho kwibhasikidi enye.
I-Stock Market ayingaphandle kwalo mthetho kwaye ke xa utyala ixesha elide kubalulekile ukwahluka ngezi ndlela zilandelayo:
Ukwahluka okwethutyana
Musa ukutyala yonke imali yakho ngexesha elithile. Nokuba ucinga ukuba zitshiphu kangakanani iimarike zentengiso, inokuhlala iye ezantsi- nokuba sehle kakhulu ngakumbi-ke ayisiyongcamango ilungileyo yokutyala imali ngaxeshanye. Ukuba ucwangcisa ukutyala imali yakho kwixesha elifutshane, eyona nto unokuyenza kukwahlulahlula kube ziinxalenye ezili-10 ukuya ku-15 kwaye tyala imali kwiStock Market rhoqo zonke iinyanga 1-2. Kungenzeka ukuba imarike yemasheya iyenyuka kwaye ugqibela ngokuthenga ngamaxabiso asezantsi, kodwa okuchaseneyo kunokwenzeka kwaye uhlala uzigquma ngokuchasene nenqanaba elinokubangela ukuba utyale yonke imali yakho xa iphezulu.
Ukwahlukahlukana kwiinkampani
Musa ukutyala zonke iinwele zakho kwinkampani enye nokuba ungakanani cofinaza onokuba unayo kuyo. Nokuba ucinga ukuba eli nyathelo lelona lilungileyo, unokuhlala ungalunganga kwaye kwenzeka okwahlukileyo. Kwakhona, ukuba unayo yonke into etyalomali kwinkampani kwaye uthathe isigqibo sokuyinqumamisa isahlulo (njengoko iTelefonica yenza ngo-2012), uya kuba nengxaki enkulu ukuba uxhomekeke kwisahlulo ukuze uphile. Ke ngoko kuyacetyiswa Yahlula imali yakho kutyalomali kwiinkampani ezininzi.
Zingaphi iinkampani eziza kutyala imali kuzo?
Kulungile oko kuxhomekeke kwinkunzi etyalomaliweyo. Kubantu abasandula ukuqala kwaye batyale imali ephantsi kakhulu, kuyacetyiswa ukuba batyale imali kwiinkampani ezimbalwa (3-5 iinkampani) kuba kungenjalo ulawulo luyinkimbinkimbi kwaye ukuba banelungelo lokugcina okanye iikhomishini ezifanayo banokutya imali eninzi . Kodwa kwabo banemali ebonakalayo kwiNtengiso yeStock ndincoma ubuncinci beenkampani ezili-10 ukuba zikhuselwe kakuhle.
Ukwahluka ngokwendawo
Lo ngumba ophikisanayo kuba abantu abaninzi batyale yonke imali yabo kwi-Ibex 35. Oku akuyomfuneko ukuba kubi kuba iinkampani eziphambili ze-Ibex35 zizizwe ngezizwe ezisebenza kwiimarike ezininzi ngenxa yoko sele utyala imali (ngokungathanga ngqo) kwiindawo ezahlukeneyo amazwe. Kodwa nangona kunjalo, akuyongozi ukunqanda ukuba yonke into ityalwe kwiStock Exchange enye kuba uthintela umngcipheko welizwe. Umzekelo, kwingxaki yamva nje siye sabona ukuba iinkampani ezazidweliswe kwi-Ibex kodwa ezazinamashishini ngaphandle kweSpain zohlwaywa kanobom ngophawu lweSpain. Oku akufuneki kulindelwe kodwa iimarike zinje kwaye imali ihlala ibaleka umngcipheko kwaye ngelo xesha iSpain yayifana nomngcipheko.
Kwakhona, ukuba ufuna ukunqanda ukuntsokotha kotyalo mali kwiimarike zangaphandle ngokuthe ngqo kwizitokhwe ungasoloko usebenzisa ii-ETFs.
Ukwahluka kwecandelo
Iinkampani ezahlukeneyo ezenza iStock Exchange zihlelwe ngamacandelo: ukubhenka, ukunxibelelana ngomnxeba, ukutya, ulwakhiwo, ... Kulumkele ukutyala ipesenti ephezulu kakhulu kwicandelo elinye kuba eli candelo liziphatha kakubi kwiNtengiso yeStock liyakuchaphazela ngokupheleleyo iipotifoliyo zezenzo. Fumana ezona nkampani zibalaseleyo kwisicwangciso sakho kwicandelo ngalinye kwaye uthenge ezo stock.
Kwaye ibiyiyo yanamhlanje. Njengoko ubona, ezi ziingcebiso ezilula kakhulu ze yandisa utyalomali lwakho kwiStock Market.
Into ebaluleke kakhulu kodwa ayaziwa ngumntu wonke, kwaye uninzi aluyazi.
Ulwahlulo yinto esisiseko kutyalo-mali lwexesha elide, kwaye nakwithuba elifutshane, amaxesha amaninzi ngaphandle kohlalutyo kunye nezicwangciso zotyalo-mali lwethu zinokuhamba gwenxa, kwaye ukuba asinayo imali yethu yahlulwe yangamanyathelo aliqela (okanye kwiiasethi ezityaliweyo) ilahleko inokuba nzulu.
Phendula nge quote
Konke kulungile. Imbali igcwele "ngeentengiselwano ezikhuselekileyo" ebezipheliswa ngabantu abaninzi ...