Ukutyala imali kwimarike yemasheya ukuya kwicala eliphantsi, kwaye ngoba?

Ngalo lonke ixesha amava ezorhwebo ezemali esihla kwii-indices zawo, abatyali mali baphulukana nee-euro ezininzi Kwimisebenzi yabo yentengiso yesitokhwe, baninzi kakhulu kwimeko yobushushu be-bearish enkulu. Ngaphezu koko, uvalo luthatha imeko yabo yengqondo, de ezi ntshukumo zingaphaya kwengqondo zivelise iintloko zokwenyani. Mhlawumbi into abanye babo abangayaziyo yile Banokuthatha ithuba lezona meko zimbi, naphantsi kwemida ephezulu yenzuzo.

Iimarike zenze ezinye izicwangciso zotyalo-mali, kunye neemveliso zezemali ezinobuchule, ezingaphosi le ndlela ezibonelelwa ziintshukumo ze-bearish. Ukuthatha izikhundla kuzo, kuya kufuneka uyazi ukuba usebenza njani kwiimarike ezinezi mpawu. Kwaye apho amava kunye nokufunda kuyakudlala indima ebonakalayo ekwenzeni ukonga kwakho kube luncedo, ngaphandle kokukhathazeka ngelahleko.

Uncedo olukhulu lwale nkqubo ikhethekileyo yotyalo-mali luhlala kungafunyanwa kuphela ngokuthengwa kunye nokuthengiswa kwezabelo kwiimarike eziphambili ze-equity. Ewe akunjalo, kodwa zikho ezinye iindlela zokwanelisa iimfuno zabatyali mali abanamava ngakumbi. Kwaye oko kufuna uthotho lwezixhobo ukuze Thatha ithuba lokuhamba okuyalelwa ziimarike.

Thenga iphantsi, njani?

Ukuxhamla ekudodobeleni kweemarike, iimveliso ezininzi zemali ziye zenziwa zanelisa lo msebenzi. Ngokusisiseko ngokuthengisa isitokhwe ubomi bonke. Kodwa ngeli xesha iimodeli ezininzi ezinobuchule kunye nobukrakra zongezwe ukuze kulungelelaniswe ezi nkqubo, kubandakanya kunye nethuba lokunyusa inzuzo enkulu ngalo lonke ixesha usiya kubo.

Ukuba ithemba lakho kulo nyaka mtsha liza kuthatha olu hlobo lomsebenzi, alithandabuzeki elokuba uya kuba nezinto eziyimfuneko ukuziphumeza. Eyona ndlela iqhelekileyo kukusebenza ngokuthe ngqo kwiimarike zesitokhwe, kwisabelo, kwicandelo okanye kwisalathiso sezabelo.

Olona khetho lonelisayo kukuthengisa ngetyala. Bayakuvumela ukuba uvelise iingeniso ezinkulu ngokuthengisa ukhuseleko olubolekiweyo. Nangona kunjalo, iyimveliso ebuthathaka kakhulu, kuba ukuba awazi ukuba usebenza njani kuyo ngokuchanekileyo inokukhokelela kwilahleko ezininzi, nangaphezulu kokuba ungathwala.

Ngokunjalo, le ntshukumo inokuqiniswa ngokuchasene nomdla wakho, ukuba uguquko lwezabelo (okanye ezinye iiasethi zemali) aluphuhlisi njengoko bekulindelwe ekuqaleni, kwaye endaweni yokuhla, babonisa intshukumo echaseneyo, Oko kukuthi, bayenyuka. Ngawo onke amathuba okuba iiasethi zakho otyale imali ziya kuncipha ngokuncomekayo, ngaphezulu kunokuba unokucinga, kuba iintshukumo zabo zihamba ngesiquphe.

Ngokusebenzisa ezinye iimveliso zezemali

Ngaphandle kwayo yonke into, awunyanzelekanga ukuba uzikhawulele kule mveliso inobungozi. Kukho ezinye ezenziwe ngempumelelo ngakumbi, kwaye kutheni kungenjalo, ngokhuseleko oluthile kwimisebenzi oza kuyiphuhlisa kwiinyanga ezizayo.

Enye yazo yimali yotyalo mali., Ezicetyiswa ngokuqhubekayo ngabaphathi ukuze ube nokuziqesha ngebhanki yakho. Zisekwe ikakhulu kwizalathiso eziphambili zezitokhwe zamanye amazwe, kodwa nakumacandelo nakwibhasikithi yezabelo. Ukuze, ngenxa yesicelo sayo, unezixhobo eziyimfuneko zokurhweba.

Eyona ngxaki iphambili ekufuneka yenziwe yile modeli yolawulo kukuba ukusebenza kwayo kukwixesha eliphakathi nelide. Kwaye ke, iintshukumo ze-bearish zihlala zikhawulelwe ngexesha kwaye zifuna impendulo ekhawulezileyo nengxamisekileyo evela kubatyali mali abancinci. Ngokuchanekileyo le mali ayiniki, kodwa ifuna isigxina. Ukuba awukho kwimeko yokujongana nayo, ungangcono ukhethe ezinye uyilo lwe-agile ngakumbi.

Ukusuka kolu luvo, kokukhona kuya kuba ngokwanelisayo kwimidla yakho, ukuba ulathisa ulondolozo oluqokelelweyo kwi-ETF ebuyayo eneempawu ezifanayo. I-ETFs, okanye iimali ezithengiswa ngokutshintshiselana, ziyimveliso ephakathi phakathi kweemali eziqhelekileyo kunye neempahla, kwaye ziyasebenza ukugcina esi sicwangciso ngokusebenziseka okukhulu. Akumangalisi ukuba baphindaphinde ngokuchanekileyo intshukumo yeebarike. Kwaye mhlawumbi, ziya kulungelelaniswa ngakumbi neemfuno zakho zokwenyani zenze inzuzo kula manani azo zonke iingxowa ezikhoyo.

Kwinqanaba lesine, kwaye phantsi komngcipheko omkhulu ekusebenzeni, ukubeka iziqinisekiso zikhona. Imveliso ephucukileyo ethe yenza ukuba ezi ntshukumo zinenzuzo ngakumbi, kwaye ungafumana ukubuya okungcono kuzo ukuba uyakwazi ukusebenza nazo, nangona kukho iingxaki ezingakumbi xa uqikelelo lungahlangatyezwa. Ukongeza, bakhonza ukwenza ngokusesikweni ukusebenza kwethutyana, nangaphezulu ngokukhawuleza. Kodwa kuyo nayiphi na imeko, kuya kufuneka usetyenziselwe ukuhamba kuzo, kunye nokufunda okuthile malunga nazo.

Ufanele urhwebe njani kulo mkhwa?

Ukuba uqinisekile ukuba ezinye izitokhwe okanye ii-indices zizakuwela kwiinyanga ezizayo, ungathandabuzi, zisebenzise ezi mveliso zezezimali. Kuphela kwendlela yokwenza ukuba ukonga kwakho kunenzuzo, ngezindululo ezithiwe thaca kwiimarike zezemali. Kodwa okoko nje ufumana imigaqo yokuziphatha, engakuncedisi kuphela ekuphuhliseni esi sicwangciso ngokuchanekileyo, kodwa ikwavulekile ukubonelela ngokhuseleko olukhulu kwiminikelo yakho yezemali.

Konke oku kwimeko yezoqoqosho ngokungaqiniseki okukhulu kulo nyaka, kwaye ngokungafaniyo neminye iminyaka khange ibe nesiqalo esihle. Amathandabuzo malunga nokuchacha kwezoqoqosho, ukwehla kwamaTshayina kunye noxinzelelo kuMbindi Mpuma ngamanye amajelo esi siqalo singenathemba kwiimarike zemali eziphambili.

Iya kuba ngunyaka, nangayiphi na imeko, ibe buthathaka kakhulu, apho amaxabiso ezenzo aya kubonakala kakhulu. Ke ngoku Ngokusetyenziswa kweenkqubo ezikhawulezayo nezitshintshayo uya kuba nakho ukuvelisa inzuzo eyinkunzi ngaphezulu kunokuba bekucingelwe ngaphambili ukwenza umthambo onzima njengalowo ubonisiweyo.

Ubuncinci, uya kuba nokubanakho ukubhalisa ngothotho lweemveliso ukuze ufumane imali kulo nyaka, kwaye ungaphangeli kwezi nyanga zizayo, ukuba ukuvela kweemarike zesitokhwe akufani noko kuqikelelwa ngabahlalutyi abaninzi bezemali. Kwaye oko ukusuka kwi-Bankinter banikezela uhambo olunyukayo ukuya kwimarike yemasheya ye-30%.

Nangona kunjalo, ukuba nangasiphi na isizathu, uthatha isigqibo sokukhetha ezinye zeemveliso eziphakanyisiweyo ngaphambili, awuyi kuba nanyanzelo ngaphandle kokungenisa elizweni. uthotho lweengcebiso eziza kuba luncedo kakhulu ekuphuhliseni utyalomali kulo nyaka mtsha.

Isigqibo sokutyala imali kwezi mveliso

Ewe unayo phambi kwakho, ngaphezulu kwemveliso enye ebamba ukuhla kweentengiso zezezimali. Kodwa ngeendlela ezifanayo xa usebenza nabo. Ngenxa yoko, iingcebiso ziqhelekile kubo bonke, ngaphandle kokukhetha. Ngokusebenzisa ezilishumi ezilula, kodwa ngaxeshanye izitshixo ezisebenzayo ekufuneka uzicinge ukusukela ngoku. Akumangalisi ukuba yimali yakho esesichengeni, kwaye ukuphuculwa kwezi ndlela kufanelekile.

1. Zizinto ezinobungozi obuninziUkugqitha kwezinye iimeko, kuya kufuneka uzisebenzise kuphela xa iimarike zinendlela echazwe kakuhle yokwenza imisebenzi
2. Kuya kufuneka uncike komnye okanye kwenye imveliso yemali, kuxhomekeke kumava onawo kuwo ngamnye kubo, kananjalo, kwiprofayile oyivezayo njengomtyali mali. Ukuxhomekeka kolona lufanelekileyo ngokusekwe kwezi zinto zixabisekileyo.
3. Akufanele wabele zonke iiasethi zakho kolu hlobo lokusebenza, kodwa ngokuchaseneyo, kufuneka incitshiswe, kungabikho ngaphezulu kwe-30% yenkunzi ekhoyo ngaloo mizuzu. Ukwazi kakuhle ukwahlulahlulahlula kunye nezinye iiasethi eziyingozi zemali.
4. Ukuba awazi ngokunzulu ukuba ungasebenza njani nezi mveliso zezezimali, Kungcono uyeke umzamo wakho, kuba ungaphuhlisa ilahleko ekuya kuba nzima kakhulu ukujongana nazo. Ngenxa yokuguquguquka okuphezulu okubonisayo xa bebonke.
5. Kukhethwa ukuba uqale ugxile kwii-indices zehlabathi, kwaye hayi kwisabelo senkampani ethile edwelisiweyo. Hayi ngelize, ngesi sicwangciso silula solawulo uya kuyinciphisa kakhulu ingozi yokusebenza.
6. Ayizizo iimveliso ezisebenza rhoqo nazo, kodwa ngokuchaseneyo, yenzelwe imisebenzi ekhethekileyo, kwaye ayikhathalelwanga ngaphezulu konyaka. Nangeyiphi ndlela, Kuya kufuneka bancitshiswe kwaye balawulwe ukunqanda nakuphi na ukuhamba ngenqwelomoya kubo..
7. Iya kuba sengqiqweni ngakumbi khetha uyilo oluhlawulisa kancinane iikhomishini zazo. Iziphumo zalo zifana ngokufanayo, kodwa endaweni yoko unokugcina ii-euro ezininzi kwiindleko. Unokuthatha ithuba uninzi lwezinto ezinikezelwayo kunye nokunyuselwa okwenziwe ziibhanki ukubhalisela ezinye iimveliso: iimali, ii-ETF, iziqinisekiso ...
8. Zikulungele ngakumbi xa iimarike zamashishini ezingenanzala emisiweyo ziphuhlisa intshukumo ehambelana kakhulu ne-bearish, okanye ngamaxesha apho imeko zoqoqosho zisenzeka kuqoqosho lwehlabathi. Ngaphandle kokulinda iimeko ezixhasayo ukuba zibuyele kwiitshathi kwakhona.
9. Ngokuqinisekileyo, ezinye zazo ziya kuba nzima kuwe ukuba uzenze, ukuba lula ukuba uqhelane nabo ngokulinganisa okubonakalayo, apho ungayi kubeka imali yakho emngciphekweni. Kwaye endaweni yoko, uya kufunda ngokukhawuleza ukuhamba kwezi mveliso zingafaniyo nokugaywa kwabo.
10. Kwimeko apho uthandabuza khona, ekugqibeleni, Ungajika kwiingcebiso zebhanki yakho. Iya kukunceda uhambise kakuhle utyalomali lwakho, ngokusebenzisa iqela leengcali ezinamava abanzi kwiimarike zezemali. Ngaphandle kokubandakanya nakuphi na ukuphuma kwemali, kuba iyinkonzo yabathengi.