Enye yezinkinga ezinkulu abatshalizimali abancane nabaphakathi abanayo ukuthi yenzani ngemali yabo ezimweni ezinhle zezandla ezimakethe zezimali. Ukufika ezingeni lokuthi ezimweni eziningi abanakho okunye abangakwenza ngaphandle kokuthatha iholide elide ekutshalweni kwabo. Kodwa-ke, i- ukuguquguquka kwemikhiqizo yezezimali kubangela ukuthi kwethulwe imiklamo emisha ecabangayo zonke izinhlobo zezimo. Ukuze ngale ndlela, akudingeki ukuthi utshale imali oyilondolozile lapho kukhuphuka imakethe yamasheya.
Akungabazeki ukuthi ama-equity awahlali ekhuphuka njalo, kude nawo. Konke kwenzeka njenganoma iyiphi impahla yezezimali. Noma kungenzeka uthole ukusebenza okunamandla nakakhulu kunamamodeli wendabuko wokutshala imali. Yize le misebenzi ithatha izingozi eziningi ezenza zilungele iphrofayili yomtshalizimali echazwe kahle kakhulu. Lapho kungebona bonke abangamukela lo msebenzi ezimakethe zezezimali.
Kunoma ikuphi, okwamanje akusekho noma yiluphi uhlobo lwezimangalo zokungatshali izimali kuzimo ezingasizi ngalutho kumasheya. Ngamamodeli ahlukahlukene wokutshala imali angamangaza umtshalizimali omncane ngezikhathi ezithile kusuka manje. Kusuka ezindleleni ezahlukahlukene ukuze kungasali lutho ekuvuseleleni nokuncane kakhulu ezweni eliyinkimbinkimbi lemali. Futhi lokho kungaba yi enye indlela yokutshala imali ngesikhathi esithile sonyaka nangezizathu ezahlukahlukene ezingabonisa lesi sinqumo ongasenza ukuze usebenzise kakhulu impahla yakho siqu noma yomndeni
Ukuphathwa kwemali okuhlukile
Uma izimo ezimakethe zamasheya zingalindelekile, akufanele ukhathazeke ngokweqile. Ngoba sekuyiminyaka ethile unemikhiqizo eminingana ehlangabezana kahle nalezi zidingo. Noma kunjalo, Akucebisi ukuthi wabele yonke imali oyongile. Njengoba kuyingxenye yabo kuzoba ngokwanele ngoba kuzoba isu eliwusizo kakhulu ukuvikela izikhundla zakho kunoma yiziphi izimakethe zezimali. Akumangalisi ukuthi uzokwazi ukukhetha ezinhlobonhlobo ezikhulayo ezahlukahlukene zokutshala imali. Ukuze kulezi zindlela ezikhetheke kakhudlwana ungathola izinzuzo ezikuthakazelisa ngempela.
Omunye wale mikhiqizo yezezimali ukuthengiswa kwesikweletu. Yimisebenzi emifushane ezuze ukuqondana okukhulu eminyakeni yamuva, ngenxa yezizathu ezahlukahlukene. Umakhenikha wayo uwukuthi njengoba kungaphezulu kwehlisa intengo yamanani esitoko, umvuzo omkhulu ozowuthola lapho uvala isivumelwano. Kuyimodeli lapho ungazuza khona inzuzo enkulu, ngaphezu kwemisebenzi yendabuko yemakethe yamasheya. Kepha ngesizathu esifanayo ungashiya ama-euro amaningi endleleni. Kwezinye izimo ngisho nangaphansi kwamaphesenti ongeke ukwazi ukukucabanga.
Ukuvula izikhundla ekuthengisweni kwezikweletu, umbandela wokuqala okufanele uhlangabezane nawo ukuthi unesiqiniseko esiphelele sokuthi le mpahla yezezimali izokwenza kwehle phakathi nezikhathi zokuhweba ezilandelayo. Ngoba uma kunjalo, siyakuhalalisela, ngoba ibhalansi ye-akhawunti yakho yokubheka izoba nempilo enhle kunaleso sikhathi. Ngaphezu kwalokho, yimisebenzi engadingi amagama aminyene ngokweqile. Kepha okuphambene nalokho, bavela ezinyangeni ezimbalwa.
Ngalesi sikhathi ungasayina lo mkhiqizo wezezimali cishe kuzo zonke izikhungo zezezimali. Ngaphandle kokubika amakhomishini anwebekayo uma kuqhathaniswa namanye amamodeli wokutshala imali. Awukwazi ukukhohlwa ukuthi lezi zindleko zingakhishwa kalula kalula. Ngoba empeleni, kungumklamo ongenza ukukhuphuka komugqa wakho ophansi. Ngisho nangaphansi kwamaphesenti aphezulu kakhulu, angadlula ngisho nezinga le-50% kwezinye izimo.
Khetha izikhundla ezihlehlayo
Lesi sici semikhiqizo yezezimali singatholakala ngokulula kwezinye izimali zokutshala imali. Kepha kulokhu, hhayi ngenani, kepha ngezinkomba, imikhakha noma ubhasikidi wamasheya. Lokhu ngumehluko wokuqala imikhiqizo ekhona ebizwa ngokuthi umtshali zimali ekhona. Njengasesimweni esedlule, ubungozi bungenye yezinhlaka ezivamile ngoba kubalulekile ukuthi umise ukulahlekelwa ukuze ungathathi izindaba ezimbi kakhulu ngezintshisekelo zakho njengomtshali-zimali omncane naphakathi. Ngalesi sizathu, udinga ukwazi ukuthi uyitshala nini imali oyongele imali yakho.
Isinyathelo esisodwa ongasisebenzisa ukunciphisa ubungozi obutholakala kule misebenzi ukukhetha ukwahlukaniswa kweminikelo yakho yezomnotho. Okungukuthi, hlanganisa lezi zimali zokutshala imali nezinye ezijwayelekile futhi lokho kususelwa kumamodeli aguqukayo, angaguquki, ezezimali noma amanye. Noma iyiphi impahla yezezimali isebenza ukunciphisa izingozi ezihilelekile kule misebenzi. Okumayelana nokuthi ukhethe iphothifoliyo yokutshala imali efanele iphrofayili oyethula njengomtshalizimali omncane naphakathi.
Ukuze uthole izimvume ezinguchwepheshe kakhulu
Ingenye yemikhiqizo yezimali eyindida kakhulu eminyakeni yamuva. Itholakala kuphela kubasebenzisi abanokufunda okukhulu kuleli banga lokuphathwa kwemali. Akusona isiqinisekiso sempumelelo, kepha okungenani kuzokunikeza ithuba lokufeza lezi zinhloso ngomzamo omncane. Ungasebenza kulesi sigaba semikhiqizo yezezimali ngazo zonke izinhlobo ezingaba khona. Kusukela ezikhundleni zokuthenga kuya kubathengisi ngoba ayikho imikhawulo yokusebenza kwakho. Lokhu yilokho okubizwa ngokuthatha izikhundla ngamafomethi donsa bese ufona. Mhlawumbe kusukela manje kuzoqala ukuzwakala kancane kuwe.
Vele, ngeke ube nezindleko ezinkulu ngokwamakhomishini nezindleko zomsebenzi wakho. Ngoba empeleni, ziyahambisana neminye imikhiqizo futhi phakathi kwazo ukuthengwa nokuthengiswa kwamasheya emakethe yamasheya. Noma kunjalo, izincwadi ezigunyazayo ziyinkimbinkimbi ukusebenza kuze kufike ezingeni lokuthi kuyadingeka ukuhlinzeka ngesiko eliphezulu lezezimali. Uma lokhu kungelona icala lakho, kungaba ngcono ukuyeka umzamo bese ukhetha imikhiqizo yempilo yonke. Hhayi ngeze, zizokuvimbela ukuthi ungadluli kumzuzu omubi ongajwayelekile. Awukwazi ukukhohlwa ukuthi iziqinisekiso ziyizinhlobo ezithile zokutshalwa kwezimali.
Faka imali enkombeni ye-VIX
Enye yezindlela zokuqala okufanele usebenzise ngokunenzuzo izimo ezingezinhle kakhulu emakethe yamasheya ukuya kule nkomba ethile. Kuyinkomba ukuthi izinyathelo ukwesaba kwabatshalizimali. Uma ufunde kahle kakhulu, yesaba nokuthi iba ifomula entsha yokwenza imali yakho izuze. Okuwukuphela kwento ebabayo ebhalwe ezimakethe zezezimali zase-United States futhi kufanele wazi ukuthi ungabeka kanjani imali kule nkomba. Ngoba ungenza imali lapho izimali zehla. Yize kunjalo, njengomkhiqizo kungenye yezinto ezingaziwa kakhulu ngabatshalizimali abathengisa.
Kodwa-ke, unamanye amasu wokuthi wenze lokhu kusebenza kube yinkomba ye-VIX. Kungenxa yezimali zokutshala imali ezisuselwa kulokhu okuyisisekelo kwezimakethe zezezimali. Ngisho nethuba lokuyihlanganisa nezinye izimpahla ezejwayelekile zezezimali. Ngoba izimali eziningi sezivele zifakiwe lesi sici ukuze ukwazi ukuthola inzuzo enkulu emalini etshalwe kwizikhundla zakho. Ngamafuphi, inketho ongasizakala ngayo ukubhekana nezikhundla ze-bearish.
Amathiphu okutshala imali
Ukuze ukwazi ukuthuthukisa ukunyakaza kalula, akukho okungcono kunemihlahlandlela yokusebenza emifushane nelula. Ukwenza ngcono inzuzo yokonga kwakho isikhathi ngasinye lapho kwenzeka lezi zimo
- wakhe imisebenzi ethile hhayi njalo ngoba esikhathini esimaphakathi nesikhathi eside azenzi nzuzo. Ngaphezu kwalokho, kufanele uqaphele kakhulu ekukhetheni kwakho ukwenza amaphutha amancane.
- Kuyiqiniso ukuthi unemikhiqizo ehlukile enalezi zici, kepha hhayi kuzo zonke izimo kunconywa ukubaqasha. Kuzoncika kuphrofayili yakho njengomtshalizimali kanye nesimo sangempela semakethe yezimali.
- Kuhlala njalo kuhlonishwa kakhulu ukuthi unganikela ingxenye encane yezimpahla zakho kulesi sigaba semikhiqizo ukusizakala ngokuhamba kwe-bearish emakethe yamasheya. Ngaphandle kokubeka ukonga kwakho impilo yakho yonke engcupheni.
- Yonke le mikhiqizo yezezimali ingabonakala ifana nawe. Kepha kukhona umehluko othile lokho kuzenza zilungele umzuzwana owodwa noma omunye. Futhi lokho kuzobenza babe amamodeli wemvelo ehlukahlukene phakathi kwabo bonke.
- Uma ungacacanga kahle ukuthi izimakethe zamasheya zizokwehla ezinsukwini ezimbalwa ezizayo, akulula ukuthi uziqashe. Ngoba impela, imiphumela yayo ingaba mibi kakhulu kubhalansi ye-akhawunti yakho yokuhlola.
- Isu elizuzisa kakhulu izintshisekelo zakho liqukethe yihlukanise ngokubambisana neminye imikhiqizo yezezimali. Zingaba yimali engenayo eguquguqukayo noma engaguquki, ngisho nakwezinye izinhlobo nje.
- Ngeke ikucabangele izindleko ezingeziwe ku- amakhomishini nezindleko ekuphathweni kwawo. Hhayi ize, zisemgqeni ofanayo weminye imikhiqizo emiselwe ukutshalwa kwemali yakho. Ukusuka kuleli phuzu lokubuka, akuyona neze imikhiqizo eyandayo.
- Futhi ekugcineni, ungahlala uphendukela kubo lapho amandla abheke phezulu emikhiqizo ehlukile yezezimali aqediwe. Ngisho nezimakethe zokulingana njengoba zingawela emgodini oyingozi owehlayo.