Uma kukhulunywa ngokuphatha imali yethu kubalulekile hlukanisa utshalomali ukunciphisa izingozi ezingaholela ekonakaleni. Noma ngabe ibhizinisi libukeka liphephe kangakanani, kuhlale kunengozi (futhi uma singayiboni ingozi lapho-ke sinenkinga enkulu) ngakho-ke kubalulekile ukumboza imihlane yethu futhi singatshali iphesenti eliphezulu kakhulu lemali yethu ibhizinisi elilodwa. Noma njengoba kusho isisho, ungafaki wonke amaqanda akho kubhasikidi ofanayo.
I-Stock Market ayikho ngaphandle kwalo mthetho ngakho-ke lapho utshala imali esikhathini eside kubalulekile ukwehluka ngezindlela ezilandelayo:
Ukwehlukaniswa kwesikhashana
Musa ukutshala yonke imali yakho ngesikhathi esithile. Akunandaba ukuthi ucabanga ukuthi imakethe yamasheya ishibhile kangakanani, ingahlala iye phansi - noma yehle kakhulu - ngakho-ke akuwona umqondo omuhle ukutshala imali ngokungazelelwe. Uma uhlela ukutshala imali yakho esikhathini esifushane, into engcono ongayenza ukuyihlukanisa ibe izingxenye eziyi-10-15 futhi tshala imali eStock Market njalo njalo ezinyangeni ezi-1-2. Kungenzeka ukuthi imakethe yamasheya iyakhuphuka futhi ugcine usuthenga ngamanani aphansi, kepha okuphambene nakho kungenzeka futhi uhlala uzifihla ngenani eliphakeme elenza ukuthi utshale yonke imali yakho lapho iphezulu.
Ukuhlukahluka ezinkampanini
Musa ukutshala zonke izinwele zakho enkampanini eyodwa, noma ngabe ungaba ne-cofinaza engakanani kuyo. Noma ucabanga ukuthi lesi senzo sihamba phambili, ungahlala ungalungile futhi kwenzeka okuphambene nalokho. Futhi, uma ngabe konke utshale imali enkampanini futhi unquma ukumisa imali eyinzuzo (njengoba kwenza iTelefonica ngo-2012), uzoba nenkinga enkulu uma uncike kwinzuzo ukuze uphile. Ngakho-ke kunconywa hlukanisa utshalomali lwakho ezinkampanini eziningana.
Zingaki izinkampani okufanele utshale kuzo?
Kulungile lokho kuncike enhlokodolobha etshaliwe. Kubantu abasanda kuqala futhi batshale imali ephansi kakhulu, kuyalulekwa ukuthi batshale imali ezinkampanini ezimbalwa (izinkampani ezi-3-5) ngoba uma kungenjalo abaphathi bayinkimbinkimbi futhi uma benamakhomishini okugcina noma okufanayo bangadla imali eningi. Kepha kulabo abanesamba esikhulu emakethe yamasheya, ngincoma ubuncane bezinkampani eziyi-10 ukuthi zivikelwe kahle.
Ukwehlukaniswa kwendawo
Le yinkinga edala impikiswano enkulu ngoba abantu abaningi batshale yonke imali yabo kwi-Ibex 35. Lokhu akudingeki ukuthi kube kubi ngoba izinkampani ezinkulu ze-Ibex35 zingamazwe amaningi ezisebenza ezimakethe eziningi ngakho-ke usuvele utshale imali (ngokungaqondile) ezinhlobonhlobo amazwe. Kepha noma kunjalo, akulimazi ukugwema ukuthi yonke imali itshalwe ku-Stock Exchange eyodwa ngoba uvikela ubungozi bezwe. Isibonelo, enkingeni esanda kuyibona sabona ukuthi izinkampani ezazibhalwe ohlwini lwe-Ibex kodwa ezazinamabhizinisi wazo ngaphandle kweSpain zahlawuliswa kanzima ngophawu lwaseSpain. Lokhu akufanele kulindeleke kepha izimakethe zinje futhi imali ibalekela ubungozi ngaso sonke isikhathi futhi ngaleso sikhathi iSpain yayifana nengozi.
Futhi, uma ufuna ukugwema ubunzima bokutshala izimali emazweni angaphandle ngqo ngamasheya ungahlala usebenzisa ama-ETFs.
Ukwehlukaniswa komkhakha
Izinkampani ezahlukahlukene ezakha iStock Exchange zihlelwe yimikhakha: amabhange, ezokuxhumana ngocingo, ukudla, ukwakhiwa, ... Gwema ukutshala amaphesenti aphezulu kakhulu emkhakheni owodwa ngoba uma lo mkhakha uziphatha kabi eStock Market uzothinta ngokuphelele iphothifoliyo yawo yezenzo. Thola izinkampani ezihamba phambili ngamasu akho emkhakheni ngamunye bese uthenge lawo masheya.
Futhi lokhu bekulokhu kwanamuhla. Njengoba ukwazi ukubona, lawa amathiphu alula kakhulu we hlukanisa utshalomali lwakho kwi-Stock Market.
Okuthile okubaluleke kakhulu kepha okungewona wonke umuntu okwaziyo, futhi abaningi abangakwazi.
Ukwehlukaniswa okuthile kuyinto ebalulekile ekutshalweni kwemali kwesikhathi eside, futhi nangesikhathi esifushane, izikhathi eziningi ngaphandle kokuhlaziywa namasu okutshalwa kwemali kwethu kungonakala, futhi uma singenayo imali yethu ihlukaniswe ngezenzo eziningana (noma kwimpahla etshaliwe) ukulahlekelwa kungaba kubi kakhulu.
Phendula ngokucaphuna
Kulungile. Umlando ugcwele "amadili aphephile" abelokhu ekuhlehliseni abantu abaningi ...