Iindidi zezicwangciso zomhlalaphantsi

Iindidi zezicwangciso zomhlalaphantsi

Omnye wemiba esanda ukubaluleka kwixesha elizayo zizicwangciso zomhlalaphantsi. Nangona kunjalo,uyakwazo oko Kukho iintlobo ngeentlobo zezicwangciso zomhlalaphantsi? Unokwazi omnye okanye ezimbini kuphela, kodwa inyaniso kukuba zininzi ngakumbi.

Ngesi sizathu, kwesi sihlandlo, sifuna ukugxila kuzo ukuze uqonde ngokupheleleyo ukuba ziphi na, zezantoni kunye neendlela ezahlukeneyo onokukhetha kuzo.

Zithini izicwangciso zomhlalaphantsi

Zithini izicwangciso zomhlalaphantsi

Into yokuqala ekufuneka uyazi ukuba sithetha ukuthini xa sithetha ngezicwangciso zomhlalaphantsi. Ndiyazi Sisixhobo esisetyenziselwa ukugcina ixesha elide, ngendlela eya kuthi kamva idityaniswe nomhlalaphantsi, ube nemali engakumbi ngenyanga ukuze ukwazi ukuyichitha kwiindleko okanye kwiminqweno ubani afuna ukuyenza.

Ngoku, kule pension kukho ama-nuances athile anokubaluleka kuba isicwangciso asithethi ukuba siqinisekisa ngemali, kodwa. yintoni enokuphumelela okanye ilahleke.

Yiyo loo nto kubaluleke kakhulu ukwazi ukuba zeziphi iintlobo zezicwangciso zomhlalaphantsi ezikhoyo kwaye Yeyiphi eyona ifanele iprofayile yethu yomngcipheko? (oko kukuthi, ukuba sikulungele ukuthatha ingozi enkulu okanye encinci xa sityala kwaye ukuba enye okanye enye ilungele thina).

Zenzelwe ntoni

Ngokubanzi, izicwangciso zomhlalaphantsi jolise ukuzuza ukonga okubalulekileyo kumntu okuqeshileyo. Umzekelo, khawube nomfanekiso wakho uthatha ipenshini yeminyaka engama-30 xa uneminyaka engama-35. Ngokuqhelekileyo, xa eso sicwangciso sifikelela esiphelweni, ufumana izibonelelo ezininzi kunokuba ubunokuzifumana ngokugcina imali ebhankini yakho okanye ekhaya.

Ngaphaya kwalo msebenzi wokonga, inyani yeyokuba ayisebenzisi kakhulu. Ingasetyenziswa njenge "piggy bank" ekulindeleke ukuba ifumane inzuzo ephezulu kwaye yiyo loo nto abaninzi beyikhetha, ngaphandle kweengozi ezinokubakho. Nangona kunjalo, kukho iintlobo ezahlukeneyo kwaye nganye kuzo inokubonakaliswa ngakumbi ngokweprofayili onayo. Ngaba siza kukuxelela ngabo?

Iindidi zezicwangciso zomhlalaphantsi

Iindidi zezicwangciso zomhlalaphantsi

Ngoku uyazi ukuba zeziphi izicwangciso zomhlalaphantsi, lifikile ixesha lokuba wazi ukuba zeziphi iindidi ezikhoyo. Ziyakwazi ukuhlelwa ngeendlela ezininzi, ngoko ke sinezohlukeneyo. Ngqo ngqo:

Izicwangciso zomhlalaphantsi ngokomgqugquzeli

Olu luhlu lusibonisa iinketho ezikhoyo kuxhomekeke ekubeni ngubani na oyinyusayo, oko kukuthi, ukuba yinkampani ekhuthaza ukuba umqeshe, okanye iqumrhu lezemali okanye imibutho, njl.

Ukukunika umbono, kukho iindidi ezintathu:

  • ingqesho. Iququzelelwe ziinkampani okanye iinkampani. Kule meko, umsebenzi ngamnye wenziwa kwaye inkampani inoxanduva lwale minikelo, okanye inokushiyelwa kumqeshwa ukuba enze njalo.

Ngoku loo mali ayinakuchukunyiswa ngelixa umsebenzi enxulumene nenkampani. Xa ubudlelwane bengqesho buphela, ngoko unokukhulula eso sicwangciso somhlalaphantsi kwaye ufumane imali yakho, kunye nembuyekezo ekushiyileyo.

  • umntu ngamnye. Zezo zikhuthazwa ngamaqumrhu emali. Abaniniyo baya kuba ngabantu bendalo kwaye bayayiqesha xa bethatha umhlala-phantsi. Ngokuhamba kwexesha unokuchukumisa imali (ukuba nje ikwimeko ezifanelekileyo) kwaye uyiguqule.
  • Amaqabane. Zezo ziququzelelwe yimibutho yabasebenzi, imibutho okanye imibutho. Kule meko, ziqhutywa kuphela ngumnini ngamnye, ngaphandle kokuba imibutho yabasebenzi ikwazi ukwenza oko egameni laloo mntu.

Izicwangciso ngokomlinganiselo wokubuya komngcipheko

Olunye ulwahlulo esinalo lweentlobo zezicwangciso zoshishino ngokusekelwe kwimbuyekezo kunye nomngcipheko. Ngokuqhelekileyo, xa uqhuba umngcipheko ophezulu, imbuyekezo nayo iphezulu, kwaye ngokuphambene noko. Isigqibo sokugqibela siya kwenziwa ngumntu kuba nguye owaziyo ukuba unokubeka imali eninzi okanye encinci emngciphekweni.

Ngokukodwa, sifumana iindidi ezintathu:

  • Irenti esisigxina. Apho utyalo-mali olwenziweyo lwemali lunikezelwa kwii-asethi zikawonke-wonke kunye nezabucala zezemali ezifana ne-Treasury bills, Treasury bonds, obligations...

Inembuyekezo encinci kwaye inokuthi ibe yithuba elifutshane (ngaphantsi kweminyaka emibini) okanye ixesha elide (ngaphezu kweminyaka emibini).

  • izabelo zamashishini ezingenanzala emisiweyo. Apha ayityalwanga “kwimpahla ekhuselekileyo” kawonke-wonke neyabucala, kodwa iya kwii-asethi zengeniso eziguquguqukayo (ukukunika umbono, ziya kuba zizabelo, ii-ETF...).

Kuyinyani ukuba banembuyekezo ephezulu, kodwa kunye nomngcipheko obaluleke ngakumbi kuba unokuphumelela okanye ulahlekelwe.

  • ixutyiwe. Njengoko igama layo libonisa, yindibaniselwano yezimbini zangaphambili, ukukwazi ukutyala imali kwi-equities kunye nengeniso esisigxina. Into ezanywayo kukufumana ezona zicwangciso zimbini.

Iqinisekisiwe

Izicwangciso zomhlalaphantsi eziqinisekisiweyo zizodwa kwaye zibhekisa kulondolozo apho, xa isicwangciso sithe sakhululwa, hayi imali ebesiyishiyile kuphela ebuyisiweyo, kodwa nengeniso encinci (ingaphantsi kakhulu kunezinye iimeko kodwa ikhuselekile kunezi).

Izicwangciso zomhlalaphantsi ngokwemirhumo kunye nezibonelelo

Kule meko, ulwahlulo luhlala lwenziwa ngokuhambelana neminikelo kunye / okanye izibonelelo ezifunyenweyo. Ngokukodwa, kukho iintlobo ezintathu:

  • Igalelo elichaziweyo. Apho umntu oqeshe isicwangciso esenza isigqibo ngentlawulo emiselweyo ekufuneka eyihlawule nyanga zonke. Xa unokusikhulula eso sicwangciso, emva koko ufumana yonke imali yakho, kodwa nembuyekezo, nokuba intle okanye imbi. Ziya kuba yintoni izicwangciso? Abantu, ingqesho kunye nezinxulumani.
  • Inzuzo echaziweyo. Apha umehluko kunye nowangaphambili kukuba, ngexesha lokuhlangula isicwangciso, bafumana oko kuhlawulwe, kodwa kunye nenzuzo evunyelweneyo ngaphambili. Ezizi? Abo basebenza nabo kunye nabo basebenza nabo.
  • Umxube. Ekugqibeleni, sinemixube, apho kukho umnikelo osisigxina osisigxina kunye nembuyekezo encinci nayo iqinisekisiwe. Kule meko, bangabaqeshwa kunye nabalingane kuphela.

Indlela yokukhetha enye yeentlobo zezicwangciso zomhlalaphantsi

Indlela yokukhetha enye yeentlobo zezicwangciso zomhlalaphantsi

Emva kokuba wazi iintlobo ezahlukeneyo, kunokwenzeka ukuba umntu ubambe ingqalelo yakho ngakumbi. Kodwa xa usayina enye, kufuneka uhlale ukhumbula:

  • Iprofayile yakho Ukuba unogcino ngakumbi, ngokungakhathali ... kuya kubakho enye okanye enye eya kukulungela ngcono.
  • Izinto eziluncedo nezingeloncedo kwisicwangciso ngasinye somhlalaphantsi: ukuba i-capital iqinisekisiwe, ukuba inembuyekezo enhle, ukuba kukho umngcipheko omkhulu ...

Ingcebiso yethu kukufumana ulwazi oluninzi kangangoko kwisicwangciso ngasinye somhlalaphantsi kwaye ucinge malunga nokuba kuya kwenzeka ntoni xa ulahlekelwe yiloo mali. Ngoko unokukhetha kakuhle.

Ngaba ezi ntlobo zezicwangciso zomhlalaphantsi zicacile kuwe?


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