Inyanga ka-Agasti phantse ibe lixesha elinzima ukuphuhlisa, ukukhuthaza kwaye ngaphezulu kwako konke ukulawula utyalo-mali. Phantse kuhlala kukho isimanga esingaphezu kwesinye esigcinelwe i ukunciphisa umthamo wentengiso kwizabelo zentengiso kwihlabathi liphela. Kwaye kunokuba yingozi kakhulu kwimidla yakho njengomtyalomali omncinci. Ngeli xesha ixesha leholide Kuya kufuneka usebenzise ezinye iintlobo zezicwangciso ezahlukileyo kunamanye amaxesha onyaka. Apho ulondolozo lwenkunzi yakho kufanele ukuba ibe yeyona nto ibonisa iintshukumo zakho ngo-Agasti.
Kule nyanga yehlobo, uninzi lwabatyali zimali ezinkulu lushiya imigangatho yokurhweba kwimarike yemasheya ukuze ithathe iintsuku ezimbalwa ikhefu emva kweentsuku eziphithizelayo abazifumene kulo nyaka kwiimarike zezabelo. Nangona inokubonisa ukuba kukho ukuzola okukhoyo kwimarike yemasheya, akunjalo. Njengoko ubona kule minyaka idlulileyo. Ngokweguquguqukayo okukhulu kwixabiso lesitokhwe.
Ukuba awufuni kuthatha ngaphezulu kokuphoxeka xa ubuya kwiholide, awuzukukhetha ngaphandle kokuthatha uthotho lwezenzo ezijolise ekugcineni ulondolozo lwakho. Ungazami ukwenza imisebenzi emikhulu, nje basebenzise amathuba oshishino anokuveliswa kwiimarike zezemali kule nyanga ikhetheke kakhulu, kwaye kwangaxeshanye inzima.
Lawula utyalomali ngo-Agasti
Okokuqala, kuya kuba luncedo kakhulu kuwe ukunciphisa inqanaba lokusebenza kwimarike yemasheya ngale nyanga inzima. Akunanto, amathuba okuthenga aya kuncipha kakhulu xa kuthelekiswa namanye amaxesha onyaka. Kananjalo, ngekhe ubekwindawo entle kakhulu yokuphuhlisa. Iiholide, ukuba kunye nabantu obathandayo okanye iihambo oza kuzithatha ngeli xesha kuya kukuthintela ekuchitheni ixesha elininzi kwimisebenzi yakho yobulungisa. Akufanele ukhawulezise iintshukumo njengoko zinokuvelisa iziphumo ezingafunekiyo.
Ukulawula kakuhle ukonga kwakho, ngekhe kufane ukuba unezikhundla ezivulekileyo kwizabelo zamashishini, okanye unetyala. Isicwangciso esiza kusetyenziswa siya kwahluka ngokucacileyo. Kwimeko yokuqala, ayizukulimaza kunangaphambi kweholide yakho efanelekileyo rhoxisa izikhundla zakho kwiimarike, ubuncinci ngokuyinxenye, kwaye ukunqanda ukubuyela umva kwezi ntsuku. Ukongeza, ukuba uzenza zibe sesikweni ngengeniso eyinkunzi, kuya kukunceda ukonwabele ukubuya kwabo kwezi ntsuku: ukubhatalela uhambo, ukukunika isidlo sangokuhlwa esikhethekileyo, okanye ukujongana neminqweno yobuqu.
Ukuba ushiya iimarike, ungakhathazeki kakhulu, Uya kuba nexesha lokubuyela kwiimarike xa ubuya kuhambo lwakho, kwaye mhlawumbi ngamaxabiso esitokhwe okhuphiswano ngakumbi. Iya kuba yinto entle kakhulu kwimidla yakho ukuba uphumle ubuncinci iintsuku ezimbalwa ukuphinda uhlaziye iibhetri zakho zonyaka omtsha wezorhwebo othembisa ukuba unomdla kakhulu. Yonwabela umhlaba ngaphandle kwengxowa, ubuncinci iintsuku ezimbalwa.
Ngobutyebi kwiakhawunti yakho
Imeko eyahlukileyo iya kuba yiyo eya kuboniswa kuwe ukuba awunazikhundla zivulekileyo kwii-equities. Kule meko, kungcono ulinde, ubuncinci enye inyanga. Ayiloxesha lifanelekileyo lokubuyela kwiimarike. Kukhethwa ukuba utyale imali yakho kwimveliso yokonga yexeshana elifutshane, njengedipozithi yenyanga enye. Ayizukuvelisa imbuyekezo enokuthakazelelwa kakhulu, kodwa ubuncinci igalelo liya kuqinisekiswa ekukhuleni.
Kuya kuba luncedo kakhulu kwimidla yakho ukuba unqamle kwiimarike zezemali, ngakumbi nangakumbi ukuba awunazo izikhundla ezivulekileyo kuzo. Yinyanga yokuzinikezela kwezinye iinkalo zobomi, kwaye ke kufuneka uyilawule le meko ngokwahlukileyo kwezinye iinyanga zonyaka. Akunanto, kuninzi okufuneka uphulukane nako kunokuzuza.
Ziqhuba njani iimarike ngo-Agasti?
Le nyanga iluncedo kakhulu kuthotho lwezenzo kwiimarike zesitokhwe ezichazwe kakuhle. Ukuqalisa, Ukhuseleko olutshintshiselana kutshintshiselwano lwesitokhwe luphantsi kakhulu. Kwaye ngenxa yazo, ukunyuka kokungazinzi kuyanda, umahluko obaluleke kakhulu phakathi kwamaxabiso aphezulu kunye neyona isezantsi. Gcina engqondweni nakweyiphi na imeko, ukuba uza kulawula ukonga kwakho ngolu tyalo-mali.
Ngenxa yesiphumo sangaphambili, amaxabiso athambekele ekukhohlisweni. Oku kuthetha ukuba ngemisebenzi embalwa amaxabiso ezabelo anokuthathwa ngenye indlela okanye ngamanye amaxesha, ngamanye amaxesha enobungozi obukhulu kwiimarike. Ngale ndlela, abatyali mali abancinci abazukuzikhusela kwimisebenzi eyenziwa ngamaqela amakhulu otyalomali.
Naziphi na iindaba okanye umsitho obalulekileyo kuqoqosho unokuba nefuthe elikhulu kwixabiso locaphulo, ngaphezulu kwezinye iinyanga zonyaka. Ayothusi into yokuba inyanga ka-Agasti izele yimizekelo ebonisa lo mkhwa. Kwaye kunokuba yingozi kakhulu ukukhusela umdla wakho njengomtyali mali wentengiso. Le yimeko enokuyonwabisa abathelekeleli, okanye ubuncinci, kwabo bazinikezele ekusebenzeni kwelona xesha lifutshane, nkqu nokusebenza kwe-intraday, oko kukuthi, kwiseshoni enye yokuthengisa.
Olona tyalo mali lucetyiswayo
Ukuba, ngaphandle kwayo yonke into, awungekhe uluyeke utyalo-mali kwii-equity, kuya kuba lula kakhulu ukuba uthathe ingqalelo ngamaxabiso apho unokugcina khona imali oyigcinileyo ngesiqinisekiso esikhulu. Azikho ninzi, kodwa uya kuba neendlela ezizezinye ezinokuthi zilungelelanise ngakumbi umdla wakho, kwaye uqhubeke ngezi zindululo zilandelayo.
Icandelo lezombane: yenye yezona zizininzi kwizabelo zamazwe. Ayivelisi ukungazinzi okuninzi, kwaye amaxabiso ayo ahlala malunga amanqanaba azinzileyo kunakwamanye amacandelo. Banelungelo elikhulu lokuba basasaze izabelo ezigqwesileyo phakathi kwabanini zabelo. Ngomvuzo ophakathi we-5%,
Amacandelo okuzikhusela: zezona zinokwenzeka zokonga imali ngeli xesha leeholide. Iindlela, ukutya kunye neempahla zabathengi zezinye zazo. Baza kukubonelela ngakumbi iqinisekisa ukugcina izikhundla zakho, ngaphandle kokuhamba okuninzi kumaxabiso abo. Enye yeendlela onokukhetha kuzo ngenyanga ka-Agasti.
Ezinye iimveliso zotyalo-mali
Ulawulo lokonga kwakho luhamba nakwezinye iimveliso zezezimali ezinconyelwa kakhulu ehlotyeni. Omnye wabo mali mali, Kwaye ukukhusela igalelo lakho ungawenza ngokusesikweni kwiimodeli ezixubeneyo. Ukudibanisa umvuzo oguqukayo kunye nengeniso esisigxina. Ngale ndlela, uluhlula-hlula utyalo-mali ngendlela enobulumko, unikwe imeko ezinokubakho kwiimarike ngeli xesha.
Enye indlela ivela kuthengiso-mali olurhweba ngemali, olwaziwa ngcono njengee-ETFs, ezenziwa kwindawo ye- Indawo ephakathi phakathi kokuthenga nokuthengisa izabelo kunye nokusebenzisana kwemali. Kwaye banamakhomishini angaphantsi. Ungatyala imali kwinxalenye elungileyo yeeasethi zemali ezithengiswayo namhlanje.
Kwaye kubatyali mali abagcinayo, njengoko kunokuba njalo kwimeko yakho, iidipozithi zexesha elifutshane banokuba yenye yeendlela ezizezinye onokuthi upake kuzo ukonga kwiintsuku ezimbalwa ezizayo. Nangona kungaphezulu kokungonelisiyo kokulindelweyo njengomgcini. Kule meko, banikezela ngembuyekezo ephezulu enokufikelela kwi-0,30%, kodwa ngaphandle kwayo nayiphi na ikhomishini okanye enye inkcitho kulawulo lwabo okanye kulondolozo.
Kwaye ukuba into oyifunayo kukusebenza ngokukhawuleza, kuhlala kukho imithombo yobhaliso yeCFDs. Yimveliso enobundlobongela, ezifuna ukuba ukufunda okuthile kusebenze nazo. Unokufumana imali eninzi ngokuvula izikhundla, kodwa ngokuchaseneyo, amathuba okuba ushiye imali eninzi apha endleleni nawo aphezulu kakhulu. Ukuba awuqhelanga kolu hlobo loyilo, kungangcono ukuba ulondoloze izihlandlo ezingcono.
Iiresiphi zokuthengisa kwintengiso yesitokhwe ngo-Agasti
Le nyanga yeholide ibalulekileyo ifuna ukusetyenziswa kwezicwangciso ezithile kwicala lakho. Ingakumbi ukukhusela igalelo elenziweyo, apho ukuthintela kunye nokukhuseleka kufuneka kugqame ngaphezulu kokunye ukuthathelwa ingqalelo. Kwaye kuyo nayiphi na imeko, yenza imigca yezenzo ezinjengezo sikubhenca apha ngezantsi.
- Imalunga ukunciphisa umda ekusebenzeni Ngeli xesha likhethekileyo, kwaye ukuba unako ukwenza ngaphandle kwazo, kungcono ngakumbi kwimidla yakho njengomgcini-mncinci.
- Sukuchitha imali oyongileyo ekuhambeni kokungathandabuzeki kokusebenza, apho unamathuba amaninzi okuphulukana kunokuphumelela. Ayizukuba yinto yokuchitha inxenye yeempahla zakho.
- Khangela iimodeli zotyalo-mali ikhuselekile, kwaye nakweyiphi na imeko uqinisekisa ukonga kwakho ngelixa useholideyini kwezi ntsuku zekhefu.
- Phuhlisa ezinye ukuyalela ukunciphisa iilahleko, ucinga kuphela ipesenti enokuthi iakhawunti yakho yokutshekisha ixhase. Akumangalisi ukuba uAgasti yinyanga enomdla kakhulu ukuqhuba ukuwa okubukhali, okanye ngokuchaseneyo, ukuzuza.
- Zinike kancinci Ndithathe ikhefu kulenyanga ukuze ndilawule imali oyigcinileyo, nokuba unethuba lokufunda ukwenziwa kwepotifoliyo yotyalo-mali kwisiqingatha sokugqibela sonyaka.
- Akunyanzelekanga ukuba utyale imali rhoqo ngenyanga, kwaye oku kunokuba yimodeli yokusebenzisa esi siqalo. Nokuba abatyali mali abakhulu bayayeka ngaxa lithile.
- Ukuba uza kutyala imali, yenzele amaxabiso okhuselo ngakumbi iimarike zezemali, eziqinisekisa uzinzo kwisitetimenti sakho sengeniso, ngaphezulu kokuthelekiswa okuthe kratya.
- Nceda uqaphele oko kulo nyaka lukhetho eMelika, kwaye oku kukhuthaza ukungazinzi kwiimarike zezemali ukuba zibe ngaphezulu kunesiqhelo. Ngokukodwa xa zimbalwa iinyanga de umongameli omtsha weli lizwe anyulwe.