Mtendere ukatembenukira kunkhondo ndipo misika yonse ikhudzidwa, upangiri wa akatswiri pakuwongolera ndalama zanu ndi wofunikira.
Nkhaniyi yopanda jargon ikufotokoza zolowera ndi zotulukapo za ndalama panthawi yankhondo ndikuwunikanso mwayi wopeza ndalama pamsika.
Zotsatira za nkhondo pamagulu onse akuluakulu azinthu, kuyambira ma bond, equities, ndalama, ndi malo ogulitsa katundu, ndalama ndi golide zimafotokozedwa pogwiritsa ntchito zitsanzo zenizeni ndi zochitika zenizeni.
Palibe chifukwa chochita mantha - ingochitani ndi mutu wabata & mulingo pomwe mikangano yandale ikukulirakulira.
Kotero ine ndikufunsani inu funso. Zingakhale zotani pazachuma chanu ngati nkhondo ikayambika mawa mbali ina ya dziko?
Yankho limadalira mtundu wa ndalama zomwe muli nazo, chabwino?
Kukhala ndi magawo pakampani yopanga zida zodzitetezera kumatha kukwera. Koma kukhala ndi magawo mu kampani ya sitima zapamadzi kumatha kutsika.
Nayi chidule chazomwe tikambirane zotsatirazi:
Kodi Amwenye Ayenera Kuika Pati Panthawi Yankhondo?
Tiyeni tsopano tikambirane zotsatira za nkhondo pa zinthu zina zofunika kwambiri ndi chifukwa chake tiyenera kuziganizira pazachuma pa nthawi ya nkhondo.
nsinga
Osagula ma bond. Iwo mwina adzakutayani ndalama mu nthawi ya nkhondo.
Ndicho chinthu chodabwitsa kunena popeza ma bond amaonedwa kuti ndi otetezeka. Koma ndifotokoza chifukwa chake zili zoona.
Mukagula bondi wamba, mukupereka ngongole ku boma kapena kampani yomwe idapereka. Wobwereka amakulipirani chiwongola dzanja kwa nthawi inayake kenako ndikubwezerani ndalama zanu.
Nkhondo ikhoza kuyambitsa mitengo yamafuta. Kukwera kwamitengo yamafuta kungapangitse chiwongola dzanja chokwera.
Ngati chiwongoladzanja chikukwera mutagula ngongole, mtengo wake wamsika umatsika, chifukwa ma bond atsopano akuperekedwa omwe amalipira ndalama zambiri.
ndalama
Sindikhulupirira kuti kugwira ndalama ndi chitetezo. Pali kuthekera kwakukulu kuti mtengo weniweni wa ndalama umachepetsedwa chifukwa cha kukwera kwa inflation.
Tiyeni tiyerekeze kuti gawo lina la dziko lagonjetsedwa kapena kulandidwa - mwayi wa ndalama ukhoza kusinthidwa kapena kusintha. ndalama ya nthochi ndi okwera kwambiri.
Chifukwa chake, sindingalimbikitse kuyika ndalama mu nthawi yankhondo.
Gold
Gold ndi amodzi mwa malo omwe amachita bwino panthawi yankhondo. Golide amawonedwanso ngati mpanda wolimbana ndi kukwera kwa mitengo ndi kutsika kwa ndalama.
Golide wachita bwino kwambiri m'nthawi yomwe kunali kusatsimikizika kwakukulu chifukwa cha kukwera kwa mitengo komanso kutsika kwa ndalama. Munthawi zotere, golidi amakhala ngati mpanda wolimbana ndi malonda ndi ma bond pobweretsa phindu labwino pomwe akugwa.
Komabe, pamikangano yomwe yathetsedwa mwachangu, golidi wachita mocheperapo ndi malire ake. Zikatero, osunga ndalama amasankha kuyika ndalama zawo m'masheya kuti apindule mwachangu m'malo moziika m'zinthu zotetezeka ngati golide.
Ndikupangira kuti mukhale ndi golide pang'ono mbiri, ngati pakufunika ndalama.
Pali njira zambiri zogulira golide kupatula kukhala ndi bullion kapena makobidi. Mutha kukhala ndi ETFs/RBI Sovereign Gold Bond Scheme yomwe imakupatsani umwini wachitsulo pamtengo wochepa kwambiri wamsika.
Nyumba ndi zomangidwa
Nyumba ndi zomangidwa ndi kubetcha kotetezeka chifukwa chatsimikizira kulimba mtima kwake kwazaka zambiri, ngakhale zaka mazana ambiri.
Munthawi yamavuto azachuma, anthu mwachibadwa amatembenukira kuzinthu zowoneka ngati malo chifukwa amazimvetsetsa bwino kuposa masheya kapena ma bond, zomwe zitha kusuntha molakwika motengera mphekesera kapena kungoyerekeza.
Kugulitsa malo ndi malo kungakhale kubetcha kwabwino kwa inu. Nkhondo imasokoneza njira zogulitsira zomwe zimabweretsa kukwera kwa mitengo. Kuwonjezeka kwa mtengo wa zinthu monga simenti ndi zitsulo kudzawonjezera mitengo pamsika wamalonda.
Ndikukupemphani kuti mukumbukire mfundo iyi kuti, ngati nkhondo ikayambika m'dziko lanu, kugulitsa malo ndikwabwino kuposa kugulitsa nyumba, nyumba, nyumba, ndi zina zambiri.
Mayiko
Pomaliza, koma zabwino kwambiri. Inde, palibe chabwino kuposa ndalama zogulira ndalama panthawi yankhondo.
Tiyeni titenge chitsanzo cha nkhondo ya Kargil mu 1999. The Indian stock market idatsikira ku 10% pomwe nkhondo idalengezedwa ndikubwerera ku 30% nkhondo isanathe.
Komanso, panthawi ya nkhondo yoyamba ya padziko lonse, msika wa US stock market unatsekedwa, ndipo pamene malonda anayambiranso patapita miyezi inayi, Dow Jones Industrial Average inatsegula 30% pansi, ndipo kuyambira pamenepo, inali njira imodzi yopita! Zinawonjezeka kaŵiri m’kati mwa nkhondo yopitirizabe, mosasamala kanthu za nkhani zonse za nkhondo ndi kukaikira chiyembekezo.
Zomwezo zinachitikanso pambuyo pa kutha kwa nkhondo yachiwiri yapadziko lonse. Msika waku US unatsegulidwa ndi kusiyana kwakukulu pansi ndipo m'chaka chinapereka kubwerera kwa 50%.
Mu 1975, dziko la India linali kuvutika ngati njala pambuyo pa nkhondo ya ku Bangladesh ndipo panthawi imodzimodziyo, panali vuto la mafuta padziko lonse lapansi.
Chuma chaku India chidalowa ku ICU chifukwa chazovuta ziwirizi. Ogulitsa ambiri padziko lonse lapansi anali okonzeka kulemba India ngati nkhani yazachuma.
Koma misika yamisika yaku India idadabwitsa aliyense ndi 100%-kuphatikiza zobweza pasanathe zaka ziwiri.
Kusiyanasiyana ndiye njira yabwino kwambiri - NTHAWI ZONSE!
Njira yodziwika bwino yochepetsera chiwopsezo cha mbiri iliyonse ndikugawa kapena kufalitsa ndalama pamabizinesi angapo. Mutha kusiyanasiyana kuti muchepetse mwayi woti kugulitsa kamodzi kungawononge kwambiri.
Zotsatira zake, mudzachepetsanso mwayi woti ndalama imodzi ipange phindu lalikulu.
Koma kusiyanasiyana kwa Investor sikungokhudza ma equity holdings. Itha kuphatikizanso kusiyanasiyana kwa malo, komwe kumakhudza kufalitsa ndalama m'maiko angapo.
Njira yabwino yochitira izi ndikuyika ndalama zanu m'malo osiyanasiyana komanso makalasi azinthu. Simukufuna kuti ndalama zanu zonse zikhazikitsidwe m'dziko lina kapena gulu limodzi lazachuma nkhondo ikayamba kapena pali vuto lachuma - chifukwa simudziwa zomwe zichitike.
Ndikudziwa kuti kusiyanasiyana kumawoneka kosavuta mwatsatanetsatane.
Koma mukayesa kuchita, zimakhala zovuta.
Apa ndi pamene chinachake ngati Dezerv idzagwira ntchito kwa osunga ndalama ambiri. Dezerv imakupatsani mwayi woyika ndalama muzinthu zosiyanasiyana osadandaula chilichonse - mbiri yanu imayendetsedwa ndi gulu la akatswiri.
Onani positi yathu Dezerv kuwunika mwatsatanetsatane.
Ndiroleni ndiwonetse chithunzi cha 'High-Risk High Reward Portfolio' yoyendetsedwa ndi Dezerv kuti mumvetsetse bwino.
Poyang'ana chithunzi pamwambapa, mutha kuwona kuti ndalamazo zagawika bwino m'magulu atatu:
- Equity-based Mutual Funds ndi Index Funds: kukula
- Ndalama Zokhazikika Zokhazikika: kukhazikika ndi chitetezo
- Thumba la Golide: kutchingira m'malo ngati nkhondo
Kodi ndiwombole ndalama zanga za Mutual/SIPS ngati nkhondo itayambika?
Simuyenera kutero - ngati ndinu Investor wanthawi yayitali.
Osasiya SIP yanu, Mapulani Azachuma Okhazikika, m'madongosolo oyenera achuma, makamaka pokwaniritsa zolinga zina zachuma.
SIP ndi njira yosungiramo ndalama mwagwirizana ndalama (MFs) yokhala ndi ndalama zokhazikika pakanthawi, tinene, pamwezi kapena kotala. Mwanjira iyi mumapindula ndi mphamvu yophatikizira komanso mwayi wokwera mtengo wa rupee.
Mtengo wapakati pa unit umachepetsa ngati mutagula zambiri pamene misika ikutsika komanso yocheperapo ikakwera.
Chifukwa chake, ngati muwona kuti ndalama zanu zikuyenda bwino pomwe misika ikutsika, musachite mantha. Zimangotanthauza kuti muli ndi mayunitsi ochulukirapo pandalama zanu.
Musaphonye mwayi wodziunjikira magawo a Mutual Funds pamene misika ili pansi.
Kumbukirani kuti kuyika ndalama mu mgwirizano ndi imodzi mwa njira zosavuta zopangira chuma. Kwa Investor wamba, mutual funds ndi njira yamphamvu yopangira chuma.
Kodi ndiika ndalama pati pa Nkhondo?
Choyamba, ndikuyembekeza kuti sipadzakhala nkhondo.
Komabe, kutsika kwa msika wamasheya chifukwa cha mikangano yapadziko lonse lapansi, miliri, kapena nkhondo, kusankha kwanga ndalama kudzakhala:
1. Magawo amakampani a Blue-chip omwe ali ndi utsogoleri wamsika
Makampani a blue-chip ali ndi mbiri yabwino ya kukula ndi phindu. Ndi makampani omwe ali ndi mbiri yokhazikika yochita bwino.
Ma stock a Blue-chip nthawi zambiri samakupatsani phindu lalikulu, koma nthawi zambiri amakhala osasunthika kuposa msika wonse wamasheya ndi mitundu ina yambiri yama stock. Ndikasankha omwe amalipira nthawi zambiri malipiro kwa omwe ali nawo.
2. Ndalama Zogulitsa Kusinthanitsa (ETFs)
Exchange-Traded Funds (ETFs) ndi mtundu wa thumba lomwe malonda pa katundu msika. Ma ETF ndi njira yosavuta yodziwira ku gulu lina lazachuma.
ETF iliyonse imatsata ndondomeko kapena gawo linalake ndipo amagulitsidwa ngati katundu payekha. Mutha kugula ndikugulitsa ma ETF kudzera mwa broker wanu.
3. Ndalama Zamakono ndi Zamakono
Ndalama zothandizirana za digito ndi ukadaulo zimayika ndalama m'makampani omwe ali ndi ukadaulo wapa digito, intaneti, IT, ndi magawo ena.
Pamene chuma chapadziko lonse chikuchulukirachulukira, mabizinesi omwe athandizidwa ndiukadaulo akuyembekezeka kupeza msika.
Izi zitha kukuyenderani bwino pamadongosolo a digito ndi ukadaulo wa mutual fund.
4 Golide
Golide amawonekanso osangalatsa kwa ine ngati ndalama chifukwa ndi chuma chogwirika ndipo amawonedwa ngati mpanda wotsutsana ndi kukwera kwa mitengo. Ndikupangira ndalama ku Gold Funds, osati zitsulo zakuthupi. Kapena mukhoza kusankha kugula Sovereign Gold Bond Scheme.
5. US Msika wogulitsa
Kuyika ndalama m'masheya aku US kuchokera ku India kumakupatsani mwayi wosinthira ndalama zanu mosiyanasiyana.
Monga tonse tikudziwira, sikuli kwanzeru kuyika ndalama zanu zonse pamsika wamalonda wamba chifukwa ntchito yake ikugwirizana kwambiri ndi zochitika za dziko ndi zochitika monga chisankho, mitengo ya mafuta, masoka achilengedwe, ndi zina zotero. chifukwa cha zochitika zakomweko.
Zogulitsa zapadziko lonse lapansi sizikhala ndi zowopsa zotere chifukwa pali zinthu zambiri zomwe zikuchitika padziko lonse lapansi zomwe zingakhudze momwe amagwirira ntchito. Nawa mapulogalamu abwino kwambiri ku India kuti muyike ndalama ku US Stocks.
Mutha kuwona positi yathu pa zida zabwino kwambiri zowunikira msika wamasheya waku India kuti mupeze masheya abwino, ma MF, ma ETF, ndi zina.
Nkhondo ndi mikangano ya zida zimakonda kuchititsa kuchepa kwadzidzidzi kwa mbiri yanu ndi ndalama zanu.
Komabe, pakapita nthawi yayitali, kutsika uku ndi mwayi wopanga ndalama potengera mbiri yakale.
Ndikupangira kuti musakhale osagwira ntchito ndipo njira yabwino ndikupindulira ndi kugwa kwadzidzidzi pamsika poika ndalama m'makampani / ndalama zabwino.
Ndikupangira kuyang'ana kwathu AYF wotsogolera; zikuthandizani kuti musadandaule zandalama zanu komanso kuti muchepetse kusinthika kwa msika.
Kodi muli ndi chilichonse mafunso?
Ndidziwitseni!
Siyani Mumakonda