Ukwenza njani ukuthenga engxoweni?

ukuthenga

Ukungena kwiimarike ngokuchanekileyo yenye yeenjongo zabo nabatyali mali kwaye oku kufuneka bacwangcise iqhinga elicwangciswe kakuhle apho kungekho nto ishiyekileyo kwingcinga. Apho elona candelo lifanelekileyo kukuthenga kwi imeko ekucetyiswa kakhulu kwimidla yabasebenzisi besitokhwe. Ayothusi into yokuba ngale nkqubo uza kuba nohambo olude oluzifezekisileyo ukufezekisa ezona njongo zakho zinqwenelekayo kwilizwe lemali kwaye ngakumbi kwimarike yemasheya.

Umtyalomali omncinci kufuneka angenise ezinye izikhokelo eziqinileyo ukwenza inkqubo yokuthenga ephuhliswe kakuhle. Ngale ndlela, izikhokelo ezilula esiza kuzichaza apha ngezantsi zinokuba luncedo olukhulu, zibonakaliswe ngokulula kakhulu ukuzilandela. Umzekelo, ezo sizalatha ngezantsi kolu lwazi.

Okwangoku kukho amaxabiso athile akule meko, emva kwe- IBEX 35 ibekwe kufutshane kakhulu kwinqanaba kwi amanqaku angama-8.000. Ayothusi into yokuba lolunye lwezona zikhetho zicace gca ekufuneka bajongane nazo kwesi sithuba benethemba elikhulu. Ngokuchasene noko, ukuthembela kwizitokhwe ezisesekuwehleni kunokubangela ingozi enkulu abaya kuyinyusa ngexesha leseshoni elandelayo. Ngomngcipheko wokonyuka kwelahleko kukhuseleko lwakho okanye kwipotifoliyo yotyalo-mali.

Intengo: ngexabiso lenkxaso

inkxaso

Ngokusebenzisa iigrafu ungajonga amaxabiso akule meko, ukuze emva koko uthengise kuwo indawo enzima, okanye kwimeko apho izixhaso zaphulwe. Elinye lamaqhinga alula asetyenziswa kwimarike yemasheya, nangona oku kufuneka kugcinwe ukulandelelana kwangexesha kwamaxabiso abagqatswa abanokubakho abanokuba yinxalenye yepotifoliyo yezokhuseleko.

Ukhuseleko olubethe ezantsi

Yenye yeemeko ezifanelekileyo kuye nawuphi na umtyali mali ekufuneka ajongane nokuthenga, nangona kunengxaki enkulu yokuba kunzima kubathengisi ukuthengisa oku. ingongoma ngqo kwaye, kufuneka bencediswe ngohlalutyo olwenziwe ngabaphembeleli abaziintloko okanye okanye abarhwebi ezezimali, ezipapashwa kumajelo eendaba akhethekileyo.

Ukungena kumacandelo afanelekileyo

Olunye ukhetho olunomdla ngokuqinisekileyo kukubheja kwizitokhwe ezenza amacandelo emarike yemasheya anokulindela ukukhula okuhle kwiinyanga ezizayo nezinokuthi zixhamle kwintsebenzo yentengiso yesitokhwe, nangaphezulu kweendices zazo ngokubanzi kunye nomndilili oqhelekileyo.

Yiya kuhlalutyo lwakho lobuchwephesha kunye nolusisiseko: nantsi eyona nto inikezelwa ngamaphepha aphambili iiwebhu ezizodwa kwaye zibonelela ngeyona datha ibaluleke kakhulu yokuthatha izikhundla kwixabiso elithile elinika okuhle imarike yemasheya kunye nemilinganiselo yokushishina. Nangona kukho abalandeli nganye nganye, ukudibanisa zombini uhlalutyo yeyona ipasipoti ilungileyo yokuthenga kakuhle.

Amandla amakhulu okuxabisa

Esi sicwangciso-qhinga siza kubandakanya ukufumana ezo zikhuseleko zikude lee kwixabiso ekujoliswe kulo, kwaye ke, zinqanaba eliphezulu lokuxabisa. Unokufumana izinto ezidweliswe kwifayile ye- isaphulelo esingaphezulu kwama-20% okanye ama-30% kwixabiso labo elinikezelwe ngabalamli bezezimali, besazi nokuba kwezinye iimeko abafikeleli kwelo xabiso okanye bahliswe kuphononongo lwexesha elizayo.

Iingcebiso ezivela okanye abarhwebi

okanye abarhwebi

Abameli bezezimali bahlala bebeka amaxabiso afanelekileyo ngakumbi kunabanye ekuthengeni, oko kulandelwa kakhulu yinxalenye enkulu yabatyali-zimali, nangona kukho ingxaki yokuba ngamanye amaxesha uqikelelo alufezekiswa ngezizathu ezahlukeneyo. Nganye umrhwebi yenza ipotifoliyo yesitokhwe ezinokulandelwa ngabatyali mali. Unokwenza ipotifoliyo ebonakalayo kwezi ngxelo, ngendlela yothintelo, ngaphambi kokungena kwintengiso.

Ukubheja okukhuselekileyo

Kule meko, kubatyali mali iprofayile yokuzikhusela ngakumbi enye indlela iya kudlula kumacandelo okanye kwiinkampani ezihambisa ukhuseleko olukhulu, oko kukuthi, zikhethe ezona zinto zixabisekileyo: azitshintshi kakhulu, zithembekile, zizinzile kumaxabiso azo kwaye zihlawula izabelo minyaka le. Ukukhethwa kwesi sicwangciso kuya kujolisa ekuthatheni isikhundla ukuya kwixesha eliphakathi okanye elide, kungaze kwenziwe imisebenzi eqhutywa kwangolo suku lunye okanye nakwiiveki okanye kwiinyanga ezimbalwa.

Uphengululo lwesalathiso

Ukuqinisekisa umzuzu ofanelekileyo wotyalo-mali, ngekhe kubangele ukuhlalutya imeko ngokubanzi yesalathiso apho siza kuthatha khona isikhundla, nokuba seselizwe okanye elamazwe aphesheya. Iya kubonelela ngesiqinisekiso esikhulu kubhejo ngalunye lwentengiso, kunye nesixhobo somsebenzi esiluncedo kakhulu ekufezekiseni iinjongo zethu.

Amaqhinga okuphepha: Ngokuchasene noko, kukho uthotho lwezikhokelo, ekuthi ngenxa yokusebenza kwazo okungathandabuzekiyo, akufuneki zisetyenziswe xa kugqitywa utyalo-mali kwizabelo kwaye, ezithi zonzakalise ubukhulu becala umdla wabatyali mali abancinci nabaphakathi. Ke ngoko kuyacetyiswa ukuba sigcine ezi zinto zisenzeka engqondweni ukuze zingangeni kuzo kwaye zingabinakho ukuyijongela phantsi inzuzo yotyalo-mali lwethu. Iyakukhokelela ngokufanelekileyo kulondolozo kuzo zonke izikhundla ezithathwe ngabasebenzisi bemakethi yesitokhwe.

  • Thenga ukuthenga, oko kukuthi, khetha ukhuseleko ngaphandle koku inkalo yobugcisa okanye esisiseko onayo ngalo mathuba. Ikhokelela kwiimeko ezininzi kwiziphumo ezingafunekiyo.
  • Ngaba ulungelelwaniso lokuvula izikhundla kukhuseleko kunye amandla aphezulu okuqikelela ngenkolelo engeyonyani yokuba kuya kubakho ukufumana inzuzo eyinkunzi ngokulula ngakumbi. Banobungozi obukhulu kwaye umtyali mali kufuneka abazi ubungozi abuzenzekelayo ngokubheja kubo.
  • Ngena kwimarike Amaxesha e-bearish apho ixabiso lokuthenga linokuthatha ixesha elide ukufikelela. Yinto ekuthiwa ngokungcolileyo "ibotshelelwe".
  • Yiya neengcebiso hayi injongo okanye amaqela anomdla anokuphazamisa umtyali mali kwiqhinga lakhe lokungena kwiimarike zesitokhwe.
  • Thatha indawo xa ukhuseleko sele luziqonde ngokupheleleyo Inkqubo yokwazisaNjengokuphela kwento eseleyo kukubuyela kwizikhundla zokuthengisa emva kokubonga ixesha elingaphezulu okanye elingaphantsi.
  • Ukutyala imali kwizitokhwe ezikwinkqubo ebukhali ngokupheleleyo, ngenkolelo yokuba zabo ukuchacha kungekudala. Ngaphandle kokuba imarike ibonelele ngokucacileyo ngemiqondiso yokuthenga, kungcono uzinxweme kubo.

Kwaye, ukhathalelo olukhethekileyo kumaxabiso ayinto yokuhamba kwendibaniselwano, amarhe okanye utshintsho kwizabelo zabo kuba banako ukuphinda bahlaziye kwiiseshoni zentengiso yesitokhwe, ukuwa kungabhengezwa kwaye kwiiseshoni ezimbalwa banokuwisa ngamandla kwixabiso labo, ezi zimiselwe izicwangciso-qhinga zabona batyalo-mali banamava abanamava otyalo-mali kweli klasi lokhuselo ngokwazi kakuhle indlela abaziphethe ngayo.

Yintoni enokuyenza ngeziphene?

xabiso

Eyona meko imbi enokuthi ihanjiswe kuwe kwii-equities kukuba ukwimeko yokukhubazeka. Ayothusi into yokuba iya kuthetha ukuba ixabiso leeasethi zakho liya kuba lixabiso elincinci. Kodwa ngaphandle kwayo yonke into, unezicwangciso ezininzi zokusombulula le ngxaki inkulu onayo okwangoku. Kuba ngokwenyani, kwimigca yesenzo sakho baya kuba kwimeko yokunciphisa ilahleko. Ukuza kuthi ga kwinqanaba lokuba ubuguqule ubudlelwane bakho neemarike zezemali. Ngaba uyafuna ukwazi ukuba zeziphi ezinye iindlela onokuzisebenzisa ukusukela ngoku ukuya phambili?

Ukukhubazeka: Thatha ithuba lokubuya. Ukulungisa izikhundla ungathatha ithuba lokufumana kwakhona eziveliswe kwiimarike zezemali ukulungisa izikhundla. Ubuncinci kuya kukunceda uthengise izabelo nge elona xabiso liphezulu kwaye uqalise eminye imisebenzi ngamaxabiso ahlukeneyo. Ukuze ngale ndlela, uthomalalise ukukhubazeka okwenzileyo. Ukongeza, iya kukuvumela ukuba uphume kwizikhundla ezinengxaki kakhulu kwimidla yakho njengomtyalomali omncinci nophakathi.

Guqula ixesha lotyalo-mali

Elinye icebo onokulisebenzisa kukutshintsha ubude bokuhlala kwakho. Ukuhamba ukusuka kwixesha elifutshane ukuya kwelide okanye ixesha elide. Injongo yayo iya kuba kukuba amaxabiso ezenzo anokufumana kwakhona amanqanaba apho uvule khona izikhundla. Yinkqubo elula kakhulu kwaye uya kuba nakho ukungenisa nangaliphi na ixesha. Ngethamsanqa elincinci, emva kweminyaka eliqela kuluhlu lwakho ekugqibeleni uya kuba nakho thengisa izabelo ngenzuzo enkulu. Zingangabanzi kakhulu, kodwa ubuncinci awuyi kuphulukana nemali kwiimarike zezemali. Njengempazamo enkulu, inyani yokuba inokuthatha ixesha elide ude uvale izikhundla zakho. Kungenxa yokuba yintshukumo enokuhlala iminyaka emininzi. Ngaphezulu kokucinga kwakho kwiindlela zakho zokuqala.

Yenza iilahleko

Intshukumo yoqobo oyisebenzisayo kukusetyenziswa kwezahlulelo zokulinganisela ilahleko. Hayi ngelize, unyaka nonyaka uya kuhlawulisa isivuno esimiselweyo nesiqinisekisiweyo esinakho inyuke iye kwi-10%. Ngaphandle kokuvela kwamaxabiso abo kwiimarike zemali. Ukuza kuthi ga kwinqanaba lokuba kuveliswe imeko enenzuzo kuwe kwaye ngaphandle kokulahleka kwexabiso kwipotifoliyo yakho yotyalo-mali. Ngayiphi na imeko, kuya kufuneka usebenzise isicwangciso-nkqubo kwixesha eliphakathi nelide ukuze sisebenze ngokupheleleyo ekukhuseleni umdla wakho.


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

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