Igolide inokuba yinto eyomeleleyo yotyalo-mali lwakho. Awukwazi ukutyala imali oyigcinileyo kuphela kwimarike yemasheya okanye kwiimarike ezineempawu ezifanayo. Kukho ubomi ngaphaya kwabo, kwaye enye yeemarike ezimele kakhulu yile yentsimbi etyheli. Idla ngokuguquguquka kakhulu, kwaye inokuvelisa inzuzo enkulu eyinkunzi., njengokuba ulahlekelwa yimali eninzi. Ayilolize, ngumngcipheko ekufuneka uwuthathe ukuba ufuna ukukhetha olu tyalo-mali lukhethekileyo ukusukela ngoku ukuya phambili.
Kumashumi eminyaka eyadlulayo, le asethi yemali yasebenza njengexabiso lokusabela ngexesha lokungazinzi kwezoqoqosho, ezopolitiko okanye ezentlalo. Ngamaxesha oxinzelelo lwezoqoqosho, yayilubhejo olukhuselekileyo ukwenza ii-asethi zibe nengeniso., kwaye nangendlela esebenzayo kakhulu. Izinto ziye zatshintsha kakhulu ekuhambeni kweminyaka. Kwaye le ndima ebeyidlalile kutyalo-mali iye yanyamalala kakhulu. Ide ilawulwe phantsi kweeparameters ezahlukeneyo kunokuba yenzayo kwi-80s.
Kodwa ukuba, ngaphandle kwayo yonke into, usenomdla wotyalo-mali kwiminikelo yakho kwintsimbi yegolide, qhubeka, kuba iingcango ezintsha zivuleleka ukuba ukwandise impahla yakho minyaka le. Kwelinye icala, Kuya kufuneka uyazi imisebenzi kwiimarike zabo zezimali, indlela ecatshulwe ngayo, kwaye nokuba ngawaphi amaxesha afanelekileyo okuthatha izikhundla kule ntsimbi exabisekileyo. Xa le meko icaca kuwe, iya kuba lixesha apho kuya kufuneka ucinge ngendlela yokwenza imisebenzi ibe sesikweni.
Ungayityala njani imali oyongileyo?
Ukuba ukhetha le asethi yemali ngokugqwesa, kufuneka wazi ukuba zininzi iindlela onokukhetha kuzo ukwenza imisebenzi yakho ibe sesikweni. Hayi nje enye, kodwa ezininzi kunye nendalo eyahlukeneyo, eya kuba yeyona ifanelekileyo ngokuxhomekeke kwiprofayile yomxhasi oyinikezelayo njengesiqinisekiso. Ukusuka kwimarike yemasheya, ukuya kwezinye iimarike ezizezinye, kunye nokuba Ukudibanisa nezinye iiasethi zemali, ivela ikakhulu kwingeniso esisigxina kunye neguquguqukayo.
Kwaye uya kuba nethuba lokuthenga igolide ebonakalayo, ukusebenzisa inzuzo eninzi ebandakanya oku kuthenga. Nangona kunjalo, kufuneka wazi ukuba okwangoku ukuvela kwale asethi yemali akukho kwimeko yayo engcono, kude nayo. Njengomphumo wemfuno ephantsi yesinyithi, ixabiso layo kwiimarike liye lacaca ngokucacileyo iminyaka emininzi.
Nangona imeko yayo yangoku, kukho abahlalutyi bezemali abaninzi abachaza ukuzinza okuzayo kumaxabiso alo anokusebenza njengenkxaso, kwaye ngale ndlela, yenza utshintsho kwindlela eya kuthatha isinyithi esityheli ukuya kumanqanaba angaphezulu. Ngokwale mbono bacebisa thatha izikhundla kwintsimbi exabisekileyo kula manqanaba, nangona isoloko inenkathalo ethile, kwaye ikhusela ngokwaneleyo ukonga.
Ukuba le yimbono yakho, sikubonelela ngeendlela ezahlukeneyo onokuthi utyale imali kule ntsimbi. Ngeendlela eziqhelekileyo kwiimeko ezininzi, kodwa kwabanye iya kubamba ingqalelo yakho ngenxa yemvelaphi yezindululo. Ukuze ufikelele kwisigqibo sokugqibela sokuba kukho ubomi obungaphaya komvuzo oguquguqukayo wemveli.
Isiphakamiso sokuqala: tyala igolide kwimarike yemasheya
Isenokuba sesona sisombululo silula ukuba awuyongcaphephe ekusebenzeni kwezinye iimarike. Njengoko? Ewe, ilula kakhulu, uzama ukwenza i-asethi yakho ibe nenzuzo ngeenkampani ezidityaniswe nemveliso yale ntsimbi ixabisekileyo. Ukusilela kwayo okukhulu kukuba kuya kufuneka uzishiye iimarike zethu zelizwe. ukuthenga izabelo, kuba akukho nkampani zinezi mpawu kwimarike eqhubekayo yaseSpain. Indawo ekuyiwa kuyo ngokuqinisekileyo iya kuba ziimarike zamazwe ngamazwe ezisebenza kakhulu kolu hlobo lwemisebenzi: eUnited States naseGreat Britain, ikakhulu.
Kuyo nayiphi na imeko, kufuneka ukhumbule ukuba ujongene neenqobo ezisemgangathweni ezingaqhelekanga kakhulu. Ziyaguquguquka kakhulu, kunye nemida ebanzi kakhulu phakathi kwamaxabiso aphezulu kunye nawona mancinci, nakwiseshoni efanayo yokurhweba. Akukho mathandabuzo ukuba banokukunceda ngokukhawuleza ukwandisa ubutyebi bakho, kodwa banokukunceda ukuba ulahlekelwe bubo kwiiveki ezimbalwa. Ngaphezu koko, xa uthatha izikhundla kwiimarike zamazwe ngamazwe, iikhomishini ziya kunyuka kakhulu, okwenza iindleko zokugqibela zokusebenza zibize kakhulu.
Isiphakamiso sesibini: ngeemali zotyalo-mali
Ukuba kwimeko yakho awunawo amava ayimfuneko ukuze usebenze ngentsimbi etyheli, awuyi kuba nako ukukhetha ngaphandle kokujika kwezinye iimveliso ezikhuselekileyo kwaye azikho ngokuthe ngqo. Indawo yotyalo-mali inokuba ziingxowa-mali zotyalo-mali. Kodwa ngayiphi indlela? Ngokusebenzisa iimodeli ezizezinye ezibandakanya ukubekwa kule asethi, kodwa ukuyidibanisa nezinye eziqhelekileyo. Phakathi kwazo, ezo zisuka kumvuzo osisigxina kunye noguquguqukayo, ukuze uguqule ngokufanelekileyo ipotfoliyo yakho yokonga.
Ngale ndlela, ukuvezwa kwakho kwigolide akusayi kuthi ngqo okanye kube yingozi, kwaye uya kuba nakho ukuthomalalisa ukuthotywa okunokwenzeka ngenxa yamanye amacandelo epotifoliyo yotyalo-mali. Unokwenza ikhontrakthi yale mali kwibhanki yakho yesiqhelo, kunye neekhomishini ezingagqithisi kakhulu. Ukuba, kuyo nayiphi na imeko, imodeli yotyalo-mali elungiselelwe ixesha eliphakathi nelide, ngamathuba okuba ufumane imbuyekezo yonyaka kufutshane ne-10%.
Isindululo sesithathu: ukukhetha ii-ETFs
Enye inketho yokuba iimarike zemali zikuvumela ukuba utyale imali kwigolide ngokubhalisela ii-ETFs. Ezi mveliso zezemali ezibonakaliswe ngenxa yokuba ziyimali yotyalo-mali edweliswe njenge-stock market, kwaye nje ngeempahla, zingathengwa kwaye zithengiswe kwiseshoni yonke.
Zezinye zezona zixhobo zicetyiswayo zotyalo-mali kule ntsimbi ixabisekileyo. Kwaye kuyo nayiphi na imeko, yeyona ndlela ilula yokutyala imali kule asethi yemali, ngoyilo olungantsonkothanga kakhulu oludibanisa iimpawu zeemali kunye nezitokhwe.
Ibonelela ngeemodeli ezingenakubalwa zokuhlangabezana neminqweno yakho yokusebenza ngcono, kwaye unokuyiqesha ngaphandle kokushiya imida yethu. Ngeekhomishini ezikhuphisanayo ngakumbi kunezo zenziwe kwingeniso eguquguqukayo, nkqu nokufikelela kwintengiso ezininzi ngamaxabiso afikelelekayo. Ayilolize, abona batyali-mali banamava bakhetha esi sicwangciso kumnqweno wabo wokufumana imbuyekezo enika umdla minyaka le.
Isindululo sesine: ukuthenga igolide ebonakalayo
Awudingi ukuya kwiimarike zamazwe ngamazwe ukuba ufuna ukutyala imali yakho. Unokwenza ukuthenga ngokomzimba kwezi mpahla, kwaye ngendlela yokuqala. Kwisandle esinye, ukuthenga imivalo yegolide onokuthi uyigcine, nokuba kusekhaya, okanye ngeebhokisi zedipozithi ezikhuselekileyo eziya kunikwa ziibhanki ezininzi.. Ngethemba lokuba ixabiso labo liya kuxabisa, kwaye unokuzithengisa kamva ngexabiso elingcono.
Kwaye kwelinye icala, ngokusebenzisa i Ukuthengwa kwezacholo (iiwotshi, izacholo, iibhengele, imisesane, njl.njl.). Isiko lokwenene lokubonisa uthando kubathandekayo bakho. Kwaye nangaliphi na ixesha, ungathengisa ukuvelisa imbuyekezo ekuthengweni. Nangona kunjalo, esi sicwangciso sotyalo-mali sikhethekileyo siya kulinganiselwa ngakumbi, kwaye kuphela ukuba unamandla amakhulu okuthenga uya kuba nakho ukuwenza ngokusesikweni ukusukela ngoku ukuya phambili.
Isiphakamiso sesihlanu: iingqekembe zegolide
Okokugqibela ukuba kunokwenzeka ukuba iimarike zikunika ngokuqokelela, ukuzuza iingqekembe kungekuphela nje kwigolide, kodwa nakwisilivere. Bakubonelela ukuba wonwabele iinumismatics, kwaye wenze le nto yokuzonwabisa ibe yinzuzo kwiminyaka embalwa emva kokuba uphuhlise into oyithandayo. Nokuba ngentengiso ethile yezi ngqekembe, okanye ngokulula ngexabiso olawulayo ukulinika ingqokelela yakho. Yiyo, ngokufutshane, yeyokuqala ngakumbi, kwaye ngokuqinisekileyo ivelisa izinto ezintsha, indlela yokwanelisa lo mnqweno wobuqu. Ngaphandle, ngokungafaniyo nezinye izicwangciso, ezibandakanya imali efunwa kakhulu. Nokuba utyalo-mali lunokuba luncinci.
Isindululo sesithandathu: Tyala imali kwigolide ngeeCFD
Kwihlabathi lanamhlanje lehlabathi, zininzi iindlela zokutyala imali esiyifumene kwiminyaka edlulileyo ngomsebenzi kunye nokuzinikela. Kufanelekile ukucacisa ukuba ngaphandle kwengqondo yotyalo-mali akukho shishini elinokwenzeka, kwaye ukuphumeza inzuzo kufuneka ubeke imali yakho kwimarike yemasheya eyaziwayo (iibhondi, iimali, izabelo) okanye uhlolisise kwezinye iindlela ezinomdla ngakumbi njengemisebenzi yobugcisa. , izacholo, ioli enqabileyo, isilivere okanye igolide.
Ukwenza imisebenzi kunye nokufumana inzuzo kwiimarike ezahlukeneyo, uya kufuna i-CFDs, okanye Ikhontrakthi yeeyantlukwano (ukusuka kwiKhontrakthi yesiNgesi yomahluko). Sisixhobo sotyalo-mali esidibanisa amaqela amabini atshintshisa umahluko phakathi kwexabiso lokungena kunye nokuphuma, ngokusekelwe kwinani lezabelo ekuvunyelwene ngazo. Enye yeenzuzo ezikhuthazwayo eziye zenza ii-CFD zithandwa kukuba ziyimveliso exhasiweyo, ngoko ke, ukusebenza kwimarike yemasheya, ekubeni ayifuni yonke inkunzi yokusebenza ukuba isebenze.
Igolide yenye yezona asethi umdla kakhulu ukurhweba kunye IiCFD zegolide zithandwa kakhulu kwaye kulula ukuzifunda. Igolide inokuguquguquka okukhulu kwaye ixabiso layo linobukhulu obukhulu, ngaloo ndlela ivumela inzuzo ngexesha elifutshane. Ngaxeshanye, iyaqhubeka ukuba enye enkulu iindawo zokusabela ngaloo maxesha xa uqoqosho lungathembekanga kakhulu. Ukufumana xa i-asethi ikwinqanaba eliphantsi yenye yezona ndlela zisetyenziswa kakhulu kwi-CFDs kwigolide, ekuvumela ukuba ubuyisele inzuzo ngokukhawuleza emva kokunyusa ixabiso layo.
Ukutyala imali kwigolide kuye kwaba lithuba elihle kakhulu lenzuzo kwixesha eliphakathi kunye nexesha elide, ukususela Ezi zii-asethi ngokwazo. kwaye azinxulumananga noqoqosho lwalo naliphi na ilizwe. Iintshukumo zangoku kubutyebi behlabathi ziya zisanda ngequbuliso, ngoko ke ukuquka utyalo-mali olulolunye, olufana negolide, lunokuthetha umngcipheko omncinci onokwenzeka.
Iingcebiso zokurhweba ngentsimbi yegolide
Njengoko imodeli engavumelekanga, iya kufuna ukusetyenziswa kwezikhokelo ezihluke kakuhle kwisenzo. Hayi ilize, Naphantsi kwazo naziphi na iimeko ziya kulawulwa ziikhenoni eziqhelekileyo zengeniso eguquguqukayo., hayi nakwezinye iimveliso zemali ezizezinye. Ukukunceda ukuba wenze le mfuno iphumelele ngakumbi, siza kuchaza uthotho lwezitshixo eziya kukuvumela ukuba wenze ngcono ukusebenza kwakho.
Ngenjongo ecace kakhulu, kwaye leyo asiyiyo enye ngaphandle kokuba ungafumana imbuyekezo ephezulu kwiminikelo yakho yemali. Kodwa nokubakhusela ngokufanelekileyo, kuba ngokwenene, unokulahlekelwa yimali eninzi ukuba utyalo-mali aluphuhli njengoko ubulindele kwiindlela zokuqala. Ngaphandle kwalo naliphi na ixesha onengeniso eqinisekisiweyo, nokuba incinci, oko kunokukubuyekezela umzamo wemali oza kuwuphuhlisa.
- Kufuneka ulandele ixabiso le ntsimbi rhoqo, kwaye usete ubuncinci beenjongo zenzuzo yakho, nokuba ucofe utyalo-mali kwi-bud, ukuba ukuvela kwayo akulunganga ngokupheleleyo.
- Kuya kufuneka uye kwimodeli emele kakhulu umdla wakho, kwaye ngokweprofayile yakho njengomtyali-mali omncinci, ngoluhlu olubanzi lwezindululo zazo zonke iintlobo abagcina le asset yemali engqondweni.
- Sukutyala yonke imali yakho ekhoyo kolu hlobo lotyalo-mali, kodwa kuphela igalelo eliphezulu ukuya kwi-30% kuyo, ngenxa yomngcipheko owenziwe yimisebenzi yayo, kunye neekhomishini ezibalulekileyo xa uqhuba imiyalelo yakho yokuthenga.
- Zama ukudibanisa olu tyalo-mali kunye nezinye iimodeli eziqhelekileyo (kunye ne-inshurensi) ukukubonelela ngebhalansi enkulu kwipotifoliyo yakho yotyalo-mali, kwaye ikukhusele kwezona meko zingathandekiyo kwiimarike zamazwe ngamazwe.
- Ukuba akunamava aneleyo, kungcono ulahle umbono wakho., kwaye ukhethe ezinye iimbono, ukuba unokufunda ngakumbi ngakumbi ngemisebenzi ephuhliswe kwiminyaka yakutshanje.
- Kwaye ekugqibeleni, qwalasela oko Yimarike ekhethekileyo kakhulu engafanelekanga kubo bonke abatyali-mali abancinci nabaphakathi.