Ukuba bhetyebhetye yenye yeempawu eziphambili zokutyala imali kwizabelo. Ngenxa yokuba awudingi ukuthenga nokuthengisa izitokhwe kwimarike yemasheya. Kodwa ngokuchaseneyo, unokukhetha ezinye iimodeli, kubandakanya nezo ezivela kwingeniso esisigxina. Ke ngale ndlela iminikelo yakho ilawulwa ngakumbi kunye ingozi baya kuba ngaphantsi kakhulu kunangoku. Hayi ngemveliso enye yemali, kodwa ngeendlela ezahlukeneyo ezinikezelwa ziimarike zezemali ngalo mzuzu.
Ukubonakala kweefomathi ezintsha zokonga ezineemarike zezabelo njengenxalenye yecandelo lazo kuya kusiba rhoqo. Ngenjongo yoku uqinisekise igalelo lakho lemali apha. Nangona kunjalo, enye yeengxaki zayo eziphambili kukuba imbuyekezo onokuyifumana incinci kakhulu kungetyalo-mali ngqo kwezi asethi zemali. Apho, kwiimeko ezilungileyo, isivuno esimalunga ne-4% sinokuveliswa, kodwa kancinci koku kulandelayo. Imbuyekezo uya kuba nomdla oqinisekileyo kunye nonyaka. Kukuxhasa njani umsebenzi wakho.
Ukusuka kule meko ngokubanzi, kuvuleka amathuba amatsha kwicandelo lotyalo-mali, kodwa Ukusuka kwiindlela ezahlukeneyo ngokuphumla kwezo ubuzisebenzisa kude kube ngoku. Yonke into iya kuxhomekeka kwiprofayili oyivezayo njengomtyali mali omncinci nophakathi. Kungenxa yokuba ukuba ayinangcwangu kakhulu kunokuba luncedo kakhulu ekukhuseleni umdla wakho. Ukwazi ngamaxesha onke ukuba azingcono okanye zimbi kuneyona modeli ziqhelekileyo. Endaweni yoko, uya kuba nakho ukuzisebenzisa nangaliphi na ixesha elinikiweyo kwaye njengesiphumo sotshintsho olunomdla kwisicwangciso.
Ingeniso esisigxina kunye nemarike yemasheya
Elinye lawona macebo asetyenzisiweyo kukuxuba iiasethi zengeniso esisigxina notyalo-mali kuphela kwimarike yemasheya kwimveliso enye yezemali okanye yebhanki. Ke, uqinisekisa imbuyekezo encinci kulondolozo lwakho. Ngelixa kwelinye icala, sisixhobo esinamandla sokukhusela ukonga kwakho ngexesha lokungazinzi okukhulu kwiimarike zezemali zezabelo. Ewe uya kuba nesindululo esingaphezulu kwesinye ekufuneka sikhethwe ngokusekwe kulindelo lwakho kunye nemali ofuna ukuyifumana kwimirhumo yezemali. Kuzo zombini ezi meko, awungekhe ulibale ukuba kukho ubomi obungaphaya kwengxowa.
Okwangoku unezindululo zazo zonke iintlobo, nangona isithembiso singesiso esona sikhulu kubasebenzisi. Ukusuka nje kukhetho olulondolozayo ukuya kwabanye oko kuthetha ukuba kuya kufuneka uthathe umngcipheko. Kodwa kuzo zonke iimeko ziya kuba njalo amatsha mathuba Ukuze ube ukwimeko ezingcono zokwenza ukonga kunenzuzo ukusukela ngoku. Kuya kufuneka uyazi kuphela ukuba ezi mveliso zezezimali ziqulathe ntoni kwaye kufuneka wenze ntoni ukuziqesha. Ngokuqinisekileyo ngaxa lithile ebomini bakho banokuba luncedo olukhulu ukuze ube nokufumana into encinci kwi-akhawunti yakho yokujonga. Ekupheleni kosuku ukuba yintoni, njengoko nisazi kakuhle.
Iidipozithi ezinxulumene notshintshiselwano
Ewe kunjalo, enye yezona mveliso zeempawu zibalulekileyo zedipozithi ezibonelela ngokukhethekileyo. Akunanto, ziyaqondakala kuzo zonke iiprofayili kwicandelo lotyalo-mali. Abafuni lwazi lwezezimali lukhethekileyo kubafakizicelo bezi mveliso zebhanki. Ikuvumela ukuba uphephe ezona meko ziyingozi kwiimarike zezabelo. Kuba bayakuphepha ukuwa okunokubakho kwilahleko enkulu kwiakhawunti yakho yokujonga.
Oomatshini bayo balula kakhulu kwaye isekwe kwinto yokuba banikezela ngenzala emiselweyo, nokuba kwenzeka ntoni, kwaye inokunyuswa kuxhomekeke ekusebenzeni kwezabelo kwiimarike zezemali. Kude kube kufikwa kumanqanaba asondele kakhulu kwi-5%. Kuzo zombini iimeko, akunakuze kubekho ilahleko, nokuba ukuvela kwengobozi yezabelo kucacile. Ngayiphi na imeko, isebenza ixesha elide lokuhlala kunezinye iimeko. Ayothusi into yokuba banamaxesha okubeka oko isusela kwiinyanga ezingama-24 ukuya kwezingama-49. Ngoncedo olongezelelekileyo abafuna igalelo lemali elifikeleleke kakhulu kubo bonke abagcini. Ngama-euro angama-5.000 kuphela onokuthi ubhalise idiphozithi yezi mpawu.
Imali edibeneyo
Enye yeemodeli zotyalo-mali onokuzikhetha ukuba ufuna ukusebenzisa esi sicwangciso ziimali ezihlangeneyo ezidibanisa ii-equities kunye nengeniso esisigxina. Okanye nangolunye uhlobo lwezemali okanye ii-asethi zemali ukuba kufanelekile. Zenziwe ngabaphathi ukubonelela ngaphezulu kwesindululo esinye ukuze sikhethwe ngabathengi. Kule meko, akukho klasi yokubuya iqinisekisiweyo, Kodwa yonke into iya kuxhomekeka kwinto ezenziwa ziimarike zezemali. Kodwa ke, nanjengoko kutyalomali olwahlukeneyo ngokucacileyo, iya kususa umngcipheko kuzo zonke iintlobo. Into engenzekiyo ngentengiso kunye nokuthengwa kwezabelo kunye nezinye iimveliso ezineempawu ezifanayo.
Olu didi lweemveliso luvumela umgcini ukuba abekhona kwimarike yemasheya, kodwa ngaphandle kokuthatha umngcipheko omninzi. Ukuya kwinqanaba lokuba iya kuvelisa uxolo olukhulu lwengqondo ukusuka kumzuzu ngqo wokuqesha kwakho. Kwelinye icala, banelungelo elikhulu lokuba unikeze ngokubanzi Iimali zotyalo-mali zezi mpawu. Ngale ndlela, ayizukubiza mali ininzi ukukhetha imodeli efanele iprofayili yakho njengomtyalomali omncinci nophakathi. Ngobunzima obungaphezulu kwayo nayiphi na i-asethi yezemali oyithandayo. Ukongeza, sisicwangciso esiliqili esiluncedo kakhulu ukuze ukwazi ukukhokelela kolunye utshintsho lwamanye amazwe olunzima ngakumbi ukufikelela kulo ukuba uhamba wedwa.
Imali yokurhweba ngokutshintshiselana, imodeli ephakathi
Okokugqibela, unayo into ekuthiwa zii-ETFs, kunye neemveliso ezingumxube. Ngokusisiseko kuba ngumxube odibanisa ukuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya kunye nemali efanayo. Oko kukuthi, ezo besizichazile ngaphambili. Ukuqesha kwakho kunethuba onalo Ukufikelela ukuza kuthi ga ngoku iimarike zezimali ezingakhange ziphicothwe yeyakho. Kuba, enyanisweni, unokufumana ikhontrakthi kwizabelo kwiimarike ze-equity zamazwekazi amahlanu. Into abangakwazanga ukuyenza ngokutyala ngokuthe ngqo kwimarike yemasheya engamkeli abalamli.
Ngakolunye uhlangothi, iimali ezithengiswa ngotshintshiselwano ziimveliso ezinzima ngakumbi ezifuna inkcubeko enkulu yezemali kwicala lakho. Inqaku elinokuthintela ngamanye amaxesha ukubekwa kwakho kwii-equities. Ukongeza, zilunge ngakumbi kutyalo-mali lwexeshana okanye eliphakathi kwimeko ezimbi. Yimodeli yotyalo-mali engalungelelaniswanga kuzo zonke iiprofayili zabatyali mali. Phakathi kwezinye izizathu ezininzi zokwenziwa okhethekileyo kweephothifoliyo zabo. Ke ngoko, ayimangalisi into yokuba unobunzima obukhulu kulandelelo lwayo olulandelayo. Yinto ekufuneka uyiphile nayo ukuba ufuna ukwenza ngokusesikweni nayiphi na imali yokurhweba ngokutshintshiselana ekhoyo kwimarike yebhanki.
Yeyiphi eyona mveliso intle?
Umbuzo ozibuza wona ngalo mzuzu kukuba yeyiphi kubo ekulungeleyo ukuba uyiqeshe ukusukela ngoku. Le mpendulo inzima kakhulu eya kuhamba kuxhomekeke kwiinjongo ozilandelayo ngomzuzwana othile. Kodwa kwinqanaba eliqhelekileyo, kufuneka kuthiwe ukuba ufuna ukufumana imida ephezulu yenzuzo, kuya kuba ngcono ukuba ukhethe iimveliso ezibandakanya umngcipheko omkhulu kulwakhiwo lotyalo-mali.
Enye into ekufuneka ujonge kuyo ukusukela ngoku yile ibhekisa kwimigaqo yokusisigxina. Ngenxa yokuba, ezi ntlobo zotyalo-mali zifuna ixesha elibekiweyo apho ungayi kuba nayo imali yakho. Iya kuba lelona xesha lilungileyo lokuchonga ukuba ngaba awunakho ngaphandle kwale nxalenye yolondolozo. Ngokukodwa, kwimeko yeendleko ezingalindelekanga ezinokuvela nanini na. Akumangalisi ukuba ivelise ngaphezulu kwesinye ingxaki ukusombulula ezi mali. Ngesi sizathu, ayibobulumko kwaphela ukwaba yonke imali ekhoyo kolu didi lweemveliso zebhanki. Ngaphandle kokuba ufuna ukuvezwa kwingxaki enkulu kwimali yakho yobuqu.
Kwelinye icala, awungekhe ulibale nangayiphi na indlela ukuba ezi modeli zotyalo-mali azizukuvelisa imbuyekezo entle. Kodwa ngokuchaseneyo, ziya kusebenza ukuze ube nengeniso eqhelekileyo rhoqo ngonyaka. Ngaphezulu kwembuyekezo eveliswa ziimveliso zebhanki zobomi bonke. Kodwa akukho nto ingaphaya kwale mida kunikezelo lwezezimali. Ewe ewe, ukhuseleko oluza kukunika kwezona meko zingathandekiyo kubudlelwane nehlabathi lemali. Kuba uya kwazi kwangaphambili ukuba ubuncinci awuyi kuphulukana nayo nayiphi na imeko. Into yinto ethile, emva kwayo yonke loo nto. Kuba enye yeenjongo zakho eziphambili iya kuba kukukhusela iiasethi zakho ngaphezulu kwezinye izinto ezinokuqwalaselwa zalo naluphi na uhlobo. Yinto abanye abatyali mali abancinci nabaphakathi abangena kuyo rhoqo kwaye njengoko kunokwenzeka ukuba kwenzeke kuwe ngexesha lobomi bakho.