Ezinye iindlela zotyalo-mali ngo-2017

ezinye iindlela

Njengakuyo yonke iminyaka, kwakhona, kuyakubakho amathuba amatsha eshishini kwiimarike zezemali. Zezinye iindlela zotyalo-mali oza kuba nazo ukususela ngoku ukuya phambili. Ngamanye amaxesha ziya kuba ziindlela zokupheka zodidi lwenene, kodwa kwezinye iimeko ziya kuphakama ngenxa yobutsha bazo kunye nendlela yotshintsho kuzo. Kuzo zonke iimeko, ziya kuqwalaselwa njengenye yezixhobo ezitsha ekuya kufuneka uzenzele ukonga kwakho. Ngaphezulu kwe- buchule yakudala ngakumbi okanye obuqhele ukusebenza ngayo.

Kwiimeko ezininzi, iimeko ezithiwe thaca kuwe zivela kwiimarike zezabelo. Kodwa kwezinye iimeko, awulibali ngamathuba anokubonelelwa zezinye iindlela onokukhetha kuzo. Zininzi onokuzisebenzisa, nangona zimbalwa kuphela eziza kuba zezona zindululo zokutyala imali yakho kulo nyaka. Ewe kunjalo, awuyi kufutshane nezindululo inxulumene nelizwe lemali. Ngaphandle kokhetho olunokuxoxwa ngamanye amaxesha.

Enye yeenjongo ngesi sicwangciso-buchule sisodwa kukuba iipesenti zembuyekezo ziphezulu kunolondolozo lwakho lwemveli. Ngomnqweno nokuba ndinako fikelela kumanani aphindwe kabini. Ukuza kuthi ga kwinqanaba lokuba ungayenza ibe yeyakho ngokusesikweni nakweyiphi na imeko, nokuba yeyiphi na engathandekiyo kwimidla yakho. Njengakwelinye icala zinokwenzeka kwiimarike zezemali. Ngamathandabuzo amaninzi aphakanyiswayo kuqoqosho lwamanye amazwe. Kuzo zonke ii-angles kunye nendalo eyahlukileyo.

Ezinye iindlela: izinto zokwenza imveliso

izinto ezibonakalayo

Ngaphandle kwamathandabuzo, le asethi yezemali inokuba sesinye sezimanga ezintle kwiinyanga ezilishumi elinambini ezizayo. Kuba, eneneni, amaxabiso okutya okusisiseko kakhulu angabiza kakhulu ukusukela ngoku. Kwaye enyanisweni sele beyiqokelela kwikoteyishini yamaxabiso abo. Ngokuthengiswa okubaluleke kangako ezifana nekofu, isoya, ingqolowa, okanye iswekile phakathi kwezona zibalulekileyo. Ayothusi into yokuba banokubaluleka kokuphononongwa kwakhona. Ngaphezulu kwezinye iintlobo zezindululo zotyalo mali.

Kwimeko nayiphi na into, kufuneka ubenze ngokusemthethweni ngexesha elifanelekileyo. Abasoloko bekunika umqondiso wokungena kwiindawo ezivulekileyo. Kodwa ngokuqinisekileyo ziya kuvela xa ungalindelanga. Kwimeko nayiphi na into, kufuneka babe imisebenzi ekhawulezayo kunye ebhetyebhetye ukulungelelanisa igalelo labo kunye nenqanaba lokuphuma. Njengesicwangciso-qhinga sokwandisa imisebenzi oyikhangelayo kwiimarike zezemali. Banokukunika ngaphezulu kovuyo olunye ukusukela ngoku. Ngaphandle kokuthatha amanqanaba athile omngcipheko ekufuneka uwenzile.

Iimveliso zezemali ezibuthathaka kakhulu kwezi ntshukumo ziimali ezirhweba ngokutshintshiselana. Kungenxa yokuba abanye baba baxhasi babandakanyiwe kubukho obukhulu. Ngokuchasene nokusebenza kwintengiso yemasheya, ukusikelwa umda kwayo kuchazwe ngakumbi. Ukuza kuthi ga kwinqanaba lokuba unokukhetha phantse nayiphi na i-asethi yemali yezi mpawu. Nokuba kunokwenzeka ukuba unakho Ukwahlula utyalomali kunye nezinye iiasethi zemali. Zombini umvuzo ohleliyo kunye nokwahlukileyo. Iya kuba yenye yeenzuzo eziza kukuzisela le modeli yotyalo-mali. Ewe kuyakuba njalo.

Ukutyala imali kwezinye izinyithi ezixabisekileyo

ahlawule

Le marike iya kuba yenye yeendlela zotyalo-mali lwakho. Kodwa hayi ngegolide yemveli, kodwa ezinye iiasethi zezi mpawu. Ngokukodwa, ukuthatha isikhundla kwisilivere, ipalladium okanye iplatinam. Olunye ukhetho olungaziwayo kubatyali mali abancinci nabaphakathi. Kodwa ngesabelo sentengiso esisebenzayo. Nokuba yeyiphi na indlela, kuya kufuneka ubathathele ingqalelo ukutyala imali kwiinyanga ezimbalwa ezizayo. Njengotyalo-mali olongezelelekileyo okanye olungelulo oluphambili. Njenge-fulcrum yentshukumo yakho ephambili.

Ingxaki enkulu oya kuba nayo ukususela ngoku ukuya phambili kukuya phi. Kungenxa yokuba azifumaneki kuzo zonke iimarike zezemali. Phakathi kwazo imarike yemasheya kunye nenxalenye elungileyo yengeniso eyahlukileyo ibonakala. Iimveliso zezemali ezibambe kakuhle le meko zezi mutual fund okanye ETFs. Naziphi na zazo zikunika ithuba lokungena kwezinye zezi zintsimbi zixabisekileyo. Nangona nakweyiphi na imeko, awuzukukhetha ngaphandle kokubonelela ngenkcubeko ebanzi. Okanye amava ngakumbi ekusebenzeni kwezi asethi zemali.

Ezi zintsimbi zihlala zisebenza, kwelinye icala, njengexabiso elikhuselekileyo ebusweni beemeko ezingathandekiyo. Njengento yohlalutyo ukuze ukwazi ukugcizelela ukonga kwakho. Ungaya nakwiimarike zabo zemali. Kodwa ngeengxaki ezinkulu ngokubhekisele kwimfuno yezona zindululo zayo ziphambili. Kuyinyani ukuba unokufumana imali eninzi ngale misebenzi kwezinye iimarike. Nangona ngenxa yesizathu esifanayo, ulahlekelwe yimali. Kukushiya i-euro ezininzi kwimisebenzi nganye kwezi asethi zemali.

Imarike yemali, enye yeendlela ezintle

Ukuba ezi ntengiso zibonakaliswa yinto ethile, kungenxa yomsebenzi omkhulu kumaxabiso abo. Ngokuhamba ngokukhawuleza okukhulu kuzo zonke iiseshoni. Ukucebisa kakhulu kuzo zonke iiprofayili zotyalo mali. Ukusuka kweyona nto inoburhalarhume ukuya kweyona isikwe kakhulu. Uya kusoloko unalo ixesha lokutyala imali oyigcinileyo. Izindululo zininzi kwaye zahlukile ngokwendalo. Idola, iponti yaseBritane, i-franc yaseSwitzerland okanye i-yen yaseJapan iya kuba zezinye iindlela ekufuneka uzilungiselele kutyalo-mali ukusukela ngoku. Kuxhomekeke kwindaleko nganye yezi mali zamanye amazwe.

Kule meko, awuzukukhetha ngaphandle kokuya kwiimarike apho zidweliswe khona ezi mali. Ngaphandle kwezinye iimveliso zemali eziza kusebenza njengabalamli. Njengakwelinye icala kuyenzeka nezinye iiasethi zemali. Ukutshintshiselana baya kukunika ukukhawuleza okukhulu ukuthatha izikhundla. Kwaye ngenxa yabo, ithuba lokuphucula ibhalansi yeakhawunti yakho iya kunyuka. Nangona uya kuba nomngcipheko omkhulu wokuphulukana nezikhundla kwipotfoliyo yakho yotyalo-mali. Le yinto ekufuneka uyithathele ingqalelo ukuba ufuna ukukhetha olunye lwezinye iindlela zotyalo-mali, njengakule meko yimali.

Ukuba bhetyebhetye kuya kuba lelinye igalelo oya kukubonelelwa zezi asethi zemali. Ukusuka kwizikhundla ezinobundlongondlongo, okanye ubuncinci ngaphezulu kwesi siphakamiso semali. Akumangalisi ukuba umahluko phakathi kwamaxabiso aphezulu kunye neyona mininzi ingaphezulu kwesiqhelo. Ngokuhamba ngokukhawuleza okukhulu okuya kufuna ukukhuthala okukhulu kwiintshukumo ozithathayo ukusukela ngoku. Akumangalisi ukuba banako kukusa kwiimeko ezingafunekiyo kwiminqweno yakho.

Utyalomali oluzinikeleyo ekuhlaleni

zentlalo

Enye yeendlela onazo esandleni sakho ukwenza imali yakho ibe nenzuzo. Enye yeenzuzo zokukhetha le modeli yotyalo mali kukuba iya kukunika ithuba ungqinelane nendlela yakho yokucinga okanye ukuqonda ubomi. Ngegalelo onokuthi ulisebenzise eli cebo lokutyala imali ekhoyo. Ngokukhethekileyo ngokusebenzisa imali yotyalo-mali yezi mpawu. Abaphathi benza iimveliso ezininzi nangakumbi ezizalisekisa le misebenzi. Kuzo zonke ii-angles kunye neendlela zokutyala imali.

Enye yesiqhelo yile ukuzibophelela kwindalo esingqongileyo kunye nazo zonke iindlela zobuchule bendalo. Ngemfuno enkulu evela kubatyali mali abancinci nabaphakathi. Ukuza kuthi ga kwinqanaba lokubandakanywa kwi idizithi yexesha kwaye kwezinye iimeko kugcino okanye iiakhawunti ezinengeniso ephezulu. Le yenye yezona zinto zintsha zenzekileyo kule minyaka idlulileyo. Into eseleyo kukuba uyazamkela naziphi na kwezi zindululo zibizwa ziluhlaza ngenxa yohlobo lwendalo.

Igalelo lezi zindululo

Ngaphandle kwamathandabuzo, uya kuba neenketho ezininzi kule klasi yotyalo-mali, ube nezona zikhethekileyo. Ukusuka kwiindlela ezahlukeneyo kuxhomekeke kwiprofayili okwangoku okhoyo njengomtyali mali ophakathi. Phakathi kwazo kukho oku kulandelayo esikuvezayo apha ngezantsi.

  • Kuya kufuneka ukhethe ifayile ye- Olunye ukhetho olunokwenzeka kutyalo-mali okoko nje kufanelekile kwizicwangciso zakho zotyalo-mali. Kwaye ayizizo zonke iimeko, okanye iimeko, uya kuhlala ufana.
  • Amathuba eshishini anokuvela nangaliphi na ixesha kwiimarike ze-equity. Kuya kufuneka ulungele ukwazi ukuba loluphi olunye uhlobo lwentengiso kufuneka usebenze. Kuba inokuba yeyona nto ungayilindelanga,
  • Uphawu olucacileyo onokuthi ukhethe kuzo kwezi marike ngu umthamo omkhulu wokugaya abantu ibonisa ezinye zezi asethi zemali. Inqanaba eliphezulu kunesiqhelo iya kuba sisitshixo kuwe sokuvula izikhundla kwenye yeemarike zezemali.
  • Enye yezona zinto zibalulekileyo ezenziwayo kwiimarike ezizezinye zezemali zimelwe yi urhwebo. Iintshukumo zexesha elifutshane kakhulu kunye nokuba ungazibeka ngokusesikweni kwiseshoni enye kwimarike yemasheya. Nangona kunjalo, kuya kufuneka uqokelele amava amaninzi kule klasi yokuhamba okunomda ngexesha.
  • Sikunike isindululo esingaqhelekanga sokutyala imali kwimarike yemasheya. Kodwa kuya kufuneka ugcine engqondweni ukuba kunokubakho ezinye ezininzi kwi equities. Veki nganye ziyavela amathuba amatsha okuthenga qho ngeveki.
  • Kuya kucetyiswa kakhulu ukuba uqwalasele ezinye Umceli mngeni onokufezekiswa ke unokufezekisa iinjongo zakho ngethamo elikhulu lobunyani. Ayothusi into yokuba iyakuba yenye yecandelo lezicwangciso oziphuhlisayo kutyalo mali.

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