Ewe zininzi iindlela zokutyala imali. Uninzi lweendlela zokusebenza kwimarike yemasheya, phantse ngokungenasiphelo. Zisekwe ikakhulu kuhlalutyo lobuchwephesha, kwaye enye yezona zinto zisisiseko ngeempawu zazo zezinto ekuthiwa ngamakhandlela aseJapan. Ngaba ukhe wayimamela kule minyaka idlulileyo? Kulungile ukusukela ngoku uza kuziqhelanisa nale thermal engaqhelekanga.
Ewe, amakhandlela aseJapan yindlela yokuncedisa itshathi yamaxabiso, ngawo abathengisi abaninzi okanye abathengisi bemfuyo bahlala bethatha izigqibo. Ngaphandle kokumiliselwa kwinoveli, akufuneki ulibale ukuba lolunye ukhetho ukugxila kutyalo-mali. Kuphela ngabatyali zimali abancinci nabaphakathi abanamava ngakumbi abaya kuba neemeko ezifanelekileyo zokufunda ukuze basebenze kwi iimarike zemali. Bobabini kwilizwe nangaphandle kwemida yethu.
Amakhandlela aseJapan yenye yezona zinto zentsusa kuhlalutyo lweemarike zezabelo. Kodwa esi ayisosizathu sokuba sithembeke ngakumbi kunezinye izikhombisi osoloko uzisebenzisa kwimisebenzi yakho ukwenza ukugcinwa kwempahla yakho kunenzuzo. Kweli nqaku uza kuba nazo zonke iinkcukacha ukuze wazi ukuba iqulathe ntoni kwaye ungawasebenzisa njani la makhandlela kwiintshukumo ozenzayo kwiimarike zezemali ukusukela ngoku.
Yintoni amakhandlela aseJapan?
Esi ayisosiko lakudala elivela kwiMpuma Ekude. Hayi kangako. Kodwa inkqubo yohlalutyo esetyenziswe ngabatyali mali abancinci nabaphakathi ukuhambisa imisebenzi yakho yokuthenga kunye nokuthengisa. Ngamanye amaxesha kunokuba luncedo kakhulu ekunyuseni iintshukumo oziqalayo kwizabelo. Kodwa okoko unikezela ngokufunda ekusebenziseni kwayo.
Amakhandlela aseJapan ayinto yokuqala, inkqubo ecwangcisiweyo yokutshata kunye nohlalutyo esetyenziswe kwezoqoqosho ekuqaleni ngamaJapan. Ke ngoku uye wafudukela kwiimarike zesitokhwe, kodwa nakwezinye ii-asethi zemali ezifanelekileyo ezithile: iimali, iintsimbi ezixabisekileyo, izinto ezingavuthiweyo okanye izikhombisi zetyala loluntu. Yinto ephucukileyo yohlalutyo oluvulekileyo kwiminyaka yakutshanje kwinani elifanelekileyo labatyali mali.
Ngokusisiseko into abayicingayo yile ikamva lesitokhwe esidlangalaleni. Akukho ngaphezulu nangaphantsi, oku kuyinyani kula manani. Kodwa kukho enye into, kwaye kukuba babonisa iinkqubo ezahlukeneyo kwisicatshulwa samaxabiso esitokhwe. Akumangalisi ukuba babonise elona xabiso liphezulu kunye nelona lincinci kwiseshoni enye kwimarike yemasheya, kunye nokuvula kunye nokuvala amaxabiso. Ukusuka kule meko linani elipheleleyo, enye yezona zinto zichazayo ukuba zingaphi ezisebenzayo kwizabelo.
Zitolikwa njani?
Ukuba ufuna ukungena nzulu kwintsingiselo yayo, awuzukukhetha kodwa ukutolika iintshukumo kwiimarike zezemali. Ewe, siya kuzama ukwenza kube lula kuwe kuba amakhandlela aseJapan ayanzima ekuqaleni. Ngokukodwa ukuba awuzange usebenze nabo, kwaye awunalo ulwazi lwethiyori malunga nokuqonda kwabo. Lixesha lokuba uyicacise, kwaye unokusebenza nala manani akhethekileyo kunye nokuyila.
Ukuba ufuna ukwazi ukuba iseshoni yokurhweba ibisoloko ikhuthaza, kuya kufuneka ujonge kuphela ukuba amakhandlela aseJapan anomzimba omhlophe. Kwaye ngokuchaseneyo, ukuba imeko yayo ibichasene, Oko kukuthi ezantsi, umzimba wekhandlela uya kuba abamnyama. Iya kuba sisitshixo sokuqala ukuba uqale ngokuhamba ngokukhululeka kule meko inzima. Enye into ekufuneka uyithathele ingqalelo kukuba imigca ephuma emzimbeni wekhandlela ukuphawula ubuninzi kunye nobuncinci.
Ikhandlela leDoji
Ukuba kukho ikhandlela laseJapan elaziwa kakhulu ngabatyali zimali abaziingcali, ayisiyonto yimbi leyo ibizwa ngokuba yiDoji. Ngaba uqulethe ntoni? Uya kuzibuza ngoku. Ewe kwenzeka xa kuvulwa kwaye kuvalwa kungqinelana, kwaye ke umzimba awukho kwaphela. Elinye lawona manani asetyenziswa kakhulu ngabatyali mali ngeeyure ezingaphezulu zokudubula. Kuba yile nto efunwa ngala manani, ukuze ubachonge kwasekuqaleni.
Musa ukuzithemba malunga ne-bombast yeli gama elisebenzisa elinye lamakhandlela ahlalutyo kwii-equities, kwaye kutheni kungenjalo, nakwezinye iimarike zezemali. Kulula kakhulu kunokuba ucinga ngoku. Ayothusi into yokuba abatyali mali abaninzi abasebenzise obu buchule iminyaka emininzi ukukhuthaza ukuvulwa kwezikhundla ukwenza ulondolozo lwabo lube nenzuzo banokukungqina oku.
Ufanele uzisebenzise njani?
Esi sithombe sam sokuqala sesitokhwe. Ndikhethe le kuba ayifuni zixhobo zibizayo. Zive ukhululekile ukusebenzisa lo mfanekiso, qhagamshela nje ku www.SeniorLiving.Org
Nje ukuba ufunde, ungazisebenzisa kuhlalutyo lwakho oluqhubekayo, ngaphandle kwemida. Ungazisebenzisa ukwenza itshathi yeentsuku ezimbalwa, iiveki ezininzi, kwaneenyanga. Njengakwimisebenzi yexesha elifutshane, kuba inokusetyenziswa kwiitshathi ezibonisa kuphela iiyure zokugqibela zorhwebo. Ukuphakama kokuhamba kwayo yenye yeempawu zayo eziphambili, njengoko ubona kwezi nkcazo.
Enye into ekhethekileyo yokuqonda amakhandlela aseJapan kukuba unako yisebenzisele nawuphi na umsebenzi kwiimarike zezemali. Isenokuba malunga nesheya, kodwa ikwakhona nangee-indices okanye amacandelo emarike yemasheya. Ukusuka nakweyiphi na indawo ukuba iyinjongo yakho ukushiya imida yethu ukuya kuvula izikhundla kwiimarike ze-equity. Kwaye ukuba kungumnqweno wakho, nkqu kwimarike yemali, ebonisa ngoku ukutshintsha okukhulu, ngaphezulu kwezinye eziqhelekileyo.
Kubandakanya amanani aqhubekayo. Oku kuthetha nje ukuba kunempembelelo yokugcina imeko. Yiba yinqumle i-bullish, okanye ngokuchaseneyo, i-bearish. Inokuxela kwangaphambili ngokuhamba okuthe rhoqo kwamasheya kwihlabathi liphela. Kwaye oko kungqinelana nesicwangciso esiliqili sokutyala imali kwiimeko ezithile. Kuhlala kuphela ukubona xa kuchanekile ukusebenzisa amakhandlela aseJapan. Ngaba ukulungele ukusebenzisa le ndlela?
Loluphi uhlobo lwabatyali mali abazisebenzisayo?
Enye into ebaluleke kakhulu ekusetyenzisweni kwayo ngokuchanekileyo yile yazi iprofayili yabatyali mali abakhetha esi sicwangciso-buchule sokuvula izikhundla zabo kuyo nayiphi na i-asethi eyimali. Zombini kwiimarike zesizwe, nangaphandle kwemida yethu. Ukungangqinelani kwayo yenye yezona zinto zichazayo ezenza ukuba le klasi yamakhandlela icamngce iminyaka emininzi yembali.
Kunjalo ezona zilondolozekayo azihambelani kwaphela ukuphuhlisa nayiphi na intshukumo kwiimarike zezimali ngolu hlobo lwamakhandlela angaqhelekanga. Ukuba ufana nabo, kungcono ungalandeli ulwazi. Kungenxa yokuba zezona zinoburhalarhume ezenziwa ngala manani ukuhambisa utyalomali lwabo. Nditsho nezo zohlobo lokuqikelela zinokufikelela kula manqanaba.
Ayimangalisi ke ngoko into yokuba abatyali mali bakhetha i imisebenzi eqikelelweyo abo bakhetha le ndlela yokusebenza kwiimarike zezemali, ngaphandle kokukhetha. Ngayiphi na imeko, iya kuba nguwe oya kuthatha isigqibo sokuba kufanelekile na ukusebenzisa olu hlobo luhlalutyo lobuchwephesha. Kuxhomekeka ikakhulu kwimali oyimiseleyo yotyalo-mali kukhuseleko lwemarike yemasheya.
Amaxabiso anokuphicothwa
Omnye wemibuzo ebuzwa rhoqo kukuba ingaba le nkqubo yohlalutyo iyasebenza na kulo lonke ukhuseleko oludweliswe kwiimarike zezabelo. Impendulo icacile ewe, kuzo zonke ngaphandle kokukhetha, kodwa ngezinye iindlela eziza kusebenza xa usenza isigqibo sokutyala imali oyigcinileyo. Amakhandlela aseJapan athandeka ngakumbi ekuqikeleleni kwawo kwiifowuni ezinkulu. Yilapho bafumana khona ukusebenza kwabo okukhulu.
Isizathu ikakhulu kungenxa yokuba zibonisa ukucaca okukhulu kumaxabiso abo. Yiyo kuphela isizathu sokuchaza le nyaniso. Amasheya amancinci amancinci, ngakolunye uhlangothi, aphakamisa ukungathandabuzeki ngakumbi ekubunjweni kwendlela, nokuba yinto yokukhuthaza okanye ye-bearish. Ukuba ufuna ukutyala imali kwimarike yemasheya, kuya kuba bhetele ukuba Gxila kwezona stock zininzi kwimarike yemasheya, hayi kwezinye ezisekondari ezinikezela ngamathandabuzo.
Injongo ekufuneka uyiphawule kwizenzo zakho ayikho enye ngaphandle kokufaka amakhandlela aseJapan kwezona meko zibalaseleyo, kwaye ukuba ngamaxabiso abaluleke ngakumbi, ke kungcono kwimidla yakho. Ayothusi into yokuba baya kuba namathuba amakhulu okuqikelela ukuhamba kwezi veki zizayo. Ekugqibeleni, kulapho bakhula khona ngokuthembeka okuphezulu.
Ezinye iingcebiso zokuthengisa
Ngayiphi na imeko, ingcebiso malunga nokusetyenziswa kwamakhandlela aseJapan ayinakuze ikwenzakalise. Phakathi kwazo ezo sikubhengeza ngokufutshane apha ngezantsi.
- Ezi ntlobo zamakhandlela ngokuqinisekileyo zinokuthenjwa kuhlalutyo, kodwa aziqinisekisi iintshukumo ezizayo nge-100%. Kuya kuhlala kukho ukubakho kokungalunganga, nokuba kuyinxalenye.
- Faka la manani ngakumbi xa usiya ukujongana nokunyusa, Yeyiphi imeko apho bathembeke kakhulu ukumisela into ekufuneka uyenzile kwiimarike zezemali.
- Ukuba unawo nawaphi na amathandabuzo malunga nokutolikwa kwayo, kuya kuba ngcono ukushiya le nkxaso-mali kwaye khetha ezinye iinkqubo zohlalutyo apho unamava ngakumbi ekusebenziseni kwayo.
- Yinkqubo, ayinzima kakhulu, ukuba ifakelwe iminyaka emininzi, kwaye kufuneka uyazi ukwandisa ulwazi lwakho ukutyala imali yakho kwimirhumo.
- Ukuba ungayigqiba kunye nenye inkxaso kulawulo lwayoEwe, kubhetele kakhulu, kuba ukuthembeka kuya kuhlala kuphakame kakhulu, emva kwayo yonke loo nto kungoku xa usebenza kwiimarike.