Ungayakha kanjani i-Permanent Portfolio yemali ejwayelekile

Ungayakha kanjani iphothifoliyo ehlukahlukene okulula ukuyilandela

Ngabe ufuna ukutshala imali, kepha ngasikhathi sinye wesaba noma iyiphi inkinga noma ukunyakaza kwentengo ongeke ukwazi ukukulawula? Iphothifoliyo engunaphakade, njengoba igama liphakamisa, iyiphothifoliyo yakhelwe ukumelana nanoma ikuphi ukwenzeka nokuyigcina. Izimbuyiselo zayo ziyanelisa ngokwenele ukukwakha ukwakhiwa. Noma ngabe ungungoti, i-newbie, noma umuntu okhathazekile ngokuvikela imali yakhe, ukuyibuka ikhula, nokuyeka ukusebenza, le ndatshana ingeyakho.

Izikhwama ezihlala njalo zikhombisile ukuthi zisebenza kahle emashumini eminyaka edlule. Kakhulu, ukuthi abatshalizimali abaningi bagcine bekhethe ukulingisa ukusebenza kwayo, bamukela izinhlobo ezahlukahlukene zamamodeli. Ukusuka kokuningiliziwe, kuya kokulula, bazalwa njengo- isixazululo esikhulu sokwengeza imali ngendlela eqhubekayo neqhubekayo, Ukubhalisa izikhathi ezimbalwa ezingezinhle, nokulahlekelwa kwenani eliphansi kakhulu.

Yini iPhothifoliyo Ehlala Njalo?

Ungayakha kanjani iphothifoliyo ehlala unomphela esebenza ngokuhamba kwesikhathi

Iphothifoliyo Ehlala njalo iyi- uhlelo lokutshala imali lwesikhathi eside onomqondo oyisisekelo ophelele ibhalansi phakathi kwenzuzo enkulu nobungozi obuncane. Kungashiwo ukuthi ayidingi ukugadwa futhi ukusebenza kuyazenzakalela. Ngokuya ngokuthi yakhiwe kanjani, izocubungula amanye amapharamitha noma eminye, yize umbono ojwayelekile uzofana. Lokho kokugcina amaphesenti athile enzelwe ukuphepha okubika inzuzo phakathi kwazo zonke ezijwayelekile nonyaka. Lapho abanye "behluleka noma behluleka," abanye bazobika inzuzo. Ngaphezu kwalokho, bazobika izinzuzo ezilinganiselayo ezinsikeni eziyinhloko wonke umtshalizimali angazifuna.

  • Ukuqina: Yakhiwe ngendlela yokuthi ikwazi ukukhulisa inani layo ngezikhathi zempumelelo (kungenzeka kanjani ukuthi kube ngenye indlela). Futhi ngezikhathi zokungaqiniseki kanye / noma nobunzima. Futhi nangezikhathi zokwehla kwezomnotho kanye / noma emakethe yamasheya, ukusebenza kwayo kulungile, kunciphisa ukulahleka futhi kudale nezinzuzo.
  • Ukulula: Umthethosisekelo wawo kulula ukuwuqonda kangangokuba nabantu abanolwazi oluncane lwezezimali bangawenza. Lokhu futhi kungaba wukukhululeka kulabo bantu abangakwazanga ukuba nokukhula okugculisayo ngokuhamba kwesikhathi.

Izinhlobo ezahlukahlukene zezikhwama ezihlala njalo ezikhona

  • Ukufunda: Noma ngabe yisiphi isimo, kungaba ezimweni zokwehla kwamandla emali, ukwehla kwamandla emali, ubunzima, ukwehla kwamandla omnotho nokudangala, kumbozwe ngamanani akhona. Lokhu kungenxa yokuthi ukuphepha ngakunye kusebenza njengesihlangu nomshayeli wezimbuyiselo angazizuza esimweni ngasinye. Ngale ndlela, inhlokodolobha ivikelwe iphesenti elinikezwe inani elinyuka ngenani.
  • Ukwehluka: Ngokwandisa inani laso ngendlela ejwayelekile futhi engaguquki, kubangela ukuthi esikhathini eside ukwanda kwemali kukhule kakhulu. Lokhu kubangela ukukhula okukhulayo kwenhlokodolobha, okuvame ukuba yinhloso enkulu elandelwayo.

UHarry Browne Permanent Wallet

Mhlawumbe owaziwa kakhulu kunabo bonke inhlanganisela ekhona yamaphothifoliyo anomphela. UHarry Browne wayengusopolitiki waseMelika, umbhali nomhlaziyi wezezimali. Wenza ingxenye enkulu yengcebo yakhe ngeminyaka yama-70 ebhala futhi ebeka imali ezimakethe zezezimali. Ungumqambi walolu hlelo lokwakhiwa kwephothifoliyo oluqhekezayo.

Yize uhlelo lwakhe lusebenze kahle kangakanani, ukungabaza kwabantu ngenxa yokungathembani kubenze ukuthi bangakholelwa ngokuphelele endleleni yakhe ekuqaleni, futhi ngisho nangemva kokushona kukaBrowne. Uthe umnotho ubusekelwe futhi uhlala utholakala ezifundazweni ezi-4 ezihlukene. Kwesinye isikhathi kunqoba noma okunye.

Tshala imali ngokuphepha kunoma yimuphi umjikelezo wezomnotho

Izifunda ezi-4 lapho umnotho ungatholakala khona

  1. Ukwehla kwamandla emali: Imali ekhona ekusakazweni inkulu kunaleyo edingekayo ukuthenga imikhiqizo. Lokhu kubangela ukuthi intengo yemikhiqizo iqale ukwenyuka. Ngokwanda kwamanani, kubangela ukuwohloka kwemali, okusho ukuthi, kuthatha ubuningi obuningi ukuthenga okuthile. Ubhekene nokulahleka kwenani lemali, igolide livame ukuphendula kahle ekwandiseni intengo yalo. Yingakho ibizwa ngenani lokuphephela, futhi yindawo lapho kujabulisa ukuba nengxenye yenhlokodolobha kulesi simo.
  2. Deflation: Lesi simo singukubuyela emuva kwamandla emali. Intengo yemikhiqizo iyancipha, futhi amanani entengo avame ukwehla. Kulezi zimo Kuyathakazelisa ukuba namabhonasi kuthengiwe phambilini. Njengoba bekunikezwe phambilini, banamanani enzalo aphezulu kunalawa akhona njengamanje. Intengo abazikhokhele ithanda ukuba phezulu, ngoba ezamanje zinikela ngokuncane kakhulu.
  3. Bonanza: Yonke into isempilweni enhle kwezomnotho, isikweletu siyageleza, kukhona ukukhula, imindeni iba nezimali, futhi amasheya ngokuvamile akhuphuka ngamazinga aphezulu kunokukhula kwangempela okukhona. Izimpahla eziphakama kakhulu amasheya.   
  4. Inkinga yemali: Isikhathi lapho ingxenye enkulu yesikweletu ivalwa ngamabhange, kunokushoda kwempahla, kokubili ezinkampanini nasemindenini. Yisimo esingaholela ekwehleni komnotho, noma ngokungathi sína ekucindezelekeni. Lesi sikhathi sihlala isikhathi esifushane, ngakho-ke iphothifoliyo egxile isikhathi eside akufanele ihlupheke kakhulu. Ngalesi sikhathi impahla ebaluleke kunazo zonke iba yimali.

Ukwehlukanisa i-Permanent Portfolio yesitayela sikaHarry Browne

Kulokhu, inhlokodolobha isatshalaliswa futhi itshalwe ngale ndlela elandelayo:

  • Ama-25% eGolide: Ukushaya ukwehla kwamandla emali.
  • Ama-25% kumasheya: Ukunqoba ngezikhathi zokuchuma.
  • 25% kumabhonasi: Ukushaya i-deflation.
  • Ama-25% kwiholo elifushane lesikhathi esifushane: Ukuba nemali etholakalayo ngezikhathi zenhlekelele.

Ukusatshalaliswa kwephothifoliyo ngesitayela sikaHarry Browne

Enye yezindlela ezikhululeke kakhulu zokutshala imali namuhla yi-ETF's (Exchange Traded Fund, ngesichazamazwi sayo esiNgisini). Lokhu kusivumela ukuthi sikhombe kunoma iyiphi ye-4 eshiwo ngaphambili. Ngale ndlela, singaphindaphinda ukuziphatha kwanoma yikuphi ukunyakaza kwentengo okwenzeka kokuvikeleka ngakunye.

I-athikili ehlobene:
Yini i-etf

Ngemuva kokudlula konyaka, amaphesenti azobe esehlukene, futhi umqondo ukuphinda ulinganise futhi iphothifoliyo bese ubuyela ukuzokwaba ngokulingana. Ngale ndlela, sizothambisa ingxenye yempahla ekhiphe kakhulu, bese kuthi lowo osebenze kabi kakhulu aqiniswe. Ngokuvamile, imbuyiselo elindelekile yephothifoliyo yalolu hlobo iphakathi kuka-4 no-5% ngaphezulu kunephesenti lokwehla kwamandla emali okukhona kulo nyaka.

Kunezindlela ezahlukahlukene zokwakha eyodwa, kuya ngesifunda lapho abatshalizimali abakhona nezintandokazi zabo. Yize singathatha izimpahla zomhlaba wonke namabhentshimakhi, njenge-World Index yamasheya, okuhle kwalolu hlobo lotshalo-mali kungaba izimpahla zasendaweni. Ngale ndlela, ubungozi bemali buzonyamalala, futhi yize inzuzo yehlukile ngokuya ngonyaka, iyohlala ithanda ukuba yinhle.

 


Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.