Investment ikhoza kukhala masewera owopsa kutsatira.
Ngati mwangoganiza zokulitsa masewera anu achitetezo anthawi yayitali posankha kuyikapo ndalama, nayi malangizo asanu ndi awiri ofunikira azachuma omwe inu, monga woyamba, muyenera kutsatira -
1. Phunzirani musanalembe fomu: Mukakhala ndi ndalama zokwanira kuyikapo, yambani kuphunzira za kuyika ndalama.
Pali njira zingapo zopezera ndalama monga masheya, mwagwirizana ndalama, zizindikiro za madipoziti, golidi, ndi zina zotero. Phunzirani za mwayi uliwonse kuti mumvetse zomwe zikuyenera inu bwino.
Poyamba - kumvetsetsa mawu ofunikira, omwe angakuthandizeni kupanga zisankho zomveka. Pali mabuku angapo, e-mabuku, ndi magazini omwe alipo omwe ali ndi deta yoyenera kuti muyambe ulendo wanu wotsatsa malonda!
Intaneti, nawonso, ndi wodzazidwa ndi zambiri zokhudza msika ndi ndalama mu msika.
Njira ina yabwino yophunzirira zonse za kuyika ndalama ndi kudzera mubizinesi yomwe ilipo kale.
Angakhale bwenzi, wachibale, ngakhale katswiri. Tengani malangizo awo kuti mumvetsetse zonse zomwe muyenera kuchita musanalowe m'dziko lopanga ndalama.
2. Sinthani ndalama zanu mosiyanasiyana: Osamangodalira mtundu umodzi wa ndalama, ndipo sungani mbiri yanu yazinthu zosiyanasiyana. Ikani ndalama m'malo osiyanasiyana kuti musataye ndalama zonse nthawi imodzi ngati gawo lina likuwona kugwa.
Wogulitsa ndalama wanzeru amapanga mbiri yokhala ndi mwayi wamitundu yonse; zowopsa, zotetezeka, zanthawi yayitali, komanso zazifupi. Izi zimalola wogulitsa ndalama kugwiritsa ntchito zabwino zamtundu uliwonse.
Khalani ndi dziwe la mabungwe, ma mutual funds, masheya, masheya, ma debentures, ndi zosankha zomwe mutha kuyikamo ndalama zanu.
Zina kuposa izi, nyumba ndi zomangidwa, golidi, ndi zinthu zina zotere zitha kuganiziridwanso ngati mukuyang'ana kusiyanitsa ndalama zanu zambiri.
Komabe, musasokoneze kwambiri mbiri yanu ngati mukuwona kuti ndikoyambika kuti musamalire zonse.
Monga woyamba, muyenera kuyamba mosavuta ndikudziwa malire anu.
Sankhani njira zingapo zopangira ndalama zomwe mukudziwa kuti zimatha kuyendetsedwa. Ngati mutayesa ndikuyenda pa bolodi lonse ndi mbiri yanu - zikhoza kubweretsa zovuta komanso zovuta.
3. Khalani chete nthawi zonse panthawi ya a msika wa zimbalangondo: data-preserver-spaces=”zoona”> Kugulitsa mwamantha sikuthandiza aliyense ndipo kumabweretsa kuwonongeka. Ngati ndinu watsopano kumsika ndipo mitengo ikutsika mwadzidzidzi, ndipo msika ukugwa, musachite mantha.
Mukawona mitengo ikutsika, chinthu choyamba kuchita ndikuyiwala zotayika zapano ndikuyang'ana pakupanga chuma chanthawi yayitali.
Onetsetsani kuti simumayang'ana nthawi zonse pa akaunti yanu ya brokerage ndikupewa kuyang'ana mitengo yamasheya monyanyira.
Khalani odekha panthawiyi chifukwa chilichonse msika womwe ukuwonongeka abwerera mmwamba.
Nthawi iliyonse ya zimbalangondo imatsatiridwa ndi nthawi ya ng'ombe, choncho chinthu chabwino kwambiri kuchita panthawi yotere ndikukhala chete komanso osachita zinthu mwadongosolo komanso kupewa kuchita zinthu monyanyira. Kumbukirani, mutha kuwerengera mtengo wamasheya anu nthawi ina.
Kuchepetsa kumakupatsani mwayi wowonjezera kapena kuchepetsa mitengo yanu molingana ndi momwe msika ulili ndikuchepetsa kutayika kwakukulu.
4. Kumvetsetsa zolinga zanu, nthawi, ndi chifukwa cha ndalama: Aliyense ali ndi chifukwa chosiyana ndi cholinga chothandizira ndalama zawo. Zosankha zachuma ndi njira zimadalira kwambiri pazifukwa izi.
Ngati mukufuna ndalama zowonjezera kuchokera muzogulitsa nthawi zonse, mbiri yokhazikika ndiyo kusankha kwanu bwino.
Ngati mukufuna zam'tsogolo, kuyika ndalama m'maina odalirika omwe adzalandira phindu kwa nthawi yayitali ndi chisankho choyenera. Komabe, ngati muli nawo pamasewera akulu, muyenera kupeza ndalama zowopsa.
Nthawi nayonso ndiyofunika kwambiri. Mwachitsanzo, ngati mukufuna malingaliro oyika ndalama kwakanthawi kochepa, kusankha intra-day mumsika wamsika ndi chisankho choyenera. Komabe, ngati mukufuna kuyika ndalama kwa nthawi yayitali, mutual funds ndi imodzi mwazo zisankho zapamwamba.
5. Zomveka, osati maganizo: Mukalowa m'dziko lazachuma, onetsetsani kuti malingaliro anu sakusankha makampani omwe mukufuna kuyikamo.
Nthawi zonse khalani oganiza bwino, ndipo pangani zisankho zogwirizana. Malingaliro saloledwa m'dziko lazandalama. Zosankha zanu zizikhala zozikidwa pa kafukufuku woyenerera komanso kuperekedwa mwanzeru.
Chifukwa chakuti mumakonda kampani inayake, zikhulupiriro zake kapena eni ake sichifukwa chabwino chogulira kampaniyo. Mfundo yoti mukufuna kugula masheya kukampani yomwe mumagwirira ntchito kapena mnzanuyo ingakhale yosangalatsa.
Koma chimenechonso, sichifukwa choyenera kuyika ndalama mu mtunduwo mwachimbulimbuli.
Onetsetsani kuti mukusanthula mozama zomwe kampani ikuchita pazaka zisanu zapitazi (osachepera).
Otsatsa ndalama kwambiri, zolinga zake zanthawi yayitali, komanso phindu ndi zotayika zazaka zam'mbuyomu ziyenera kufufuzidwanso.
Izi ndi zofunika kwambiri zomwe ziyenera kuganiziridwa nthawi zonse pamene mukugulitsa.
6. Pewani kugwiritsa ntchito mopambanitsa: Kwa oyamba kumene, kugwiritsa ntchito mwayi, womwe umadziwikanso kuti ndalama zobwereka, zitha kukhala zoyambira zosavuta. Ichi ndi chimodzi mwazolakwitsa zazikulu zomwe osunga ndalama amapanga, chifukwa amaiwala kuti kuyika ndalama sikungotaya nthawi.
Mutha kupanga ndalama, inde. Koma mutha kutayanso ndalama, zambiri - ndipo nthawi zina, zonse.
Pali ziwopsezo zazikulu pakugulitsa masheya ndi mwayi - mwayi wotaya zambiri kuposa momwe mudayikamo ukuwonjezeka.
Nthawi zonse sungani ndalama zanu, ngakhale zitakhala zochepa bwanji. Ngati mutataya ndalama zanu, mumangotaya gawo lina la ndalama zanu. Ngati mutaya ndalama za wobwereka, simumangotaya izo komanso chiwongoladzanja.
Kuonjezera apo, mumataya maubale, ulemu wanu, ndi mtendere wanu wamaganizo, inunso. Munthu ayenera kungolingalira ndi ndalama zomwe angakwanitse kutaya popanda kusokoneza moyo wawo ndi chizolowezi.
7. Dziwani kulekerera kwanu pachiwopsezo: Kuyika ndalama mumsika wogulitsa ndi ngozi zimayendera limodzi. Iwo ndi osakwanira popanda mzake. Ichi ndichifukwa chake muyenera kufufuza mosamala za chiopsezo chokhudzana ndi mtundu wa ndalama zomwe mumasankha.
Ingoikani ndalama molingana ndi chiopsezo chomwe mungapirire.
Nthawi zambiri pamakhala mitundu itatu ya osunga ndalama - ochita malonda ankhanza, osunga ndalama pang'ono, komanso osunga ndalama.
Ngati ndinu munthu wodana ndi chiwopsezo ndipo mukufuna kukhala ndi chiwopsezo chocheperako, zosankha monga zotetezedwa ndi boma ndi mwagwirizana ndalama ndi kusankha bwino. Ngati mwakonzeka kuchitapo kanthu pachiwopsezo koma simukufuna kulowamo kwathunthu, kuyika ndalama m'matangadza apakati ndiye chisankho choyenera.
Pomaliza, ngati mutha kukhala ndi ziwopsezo zazikulu, masheya, ma bond okolola ambiri, ndi zina zambiri, ndiye njira yoyenera kwa inu. Mukakhala otseguka ku zoopsa zazikulu, mumatha kusewera kwambiri ndikuyesa msika.
Ngati mukuthamangitsa phindu lalikulu komanso muli okonzeka kutayika kwambiri, msika wamasheya ndi chipinda chanu chachinsinsi!
MAWU OTSIRIZA:
Malangizo omwe atchulidwa pamwambapa ndi opindulitsa kwambiri kwa aliyense amene angoyamba kumene kudziko lopanga ndalama.
Komabe, ngakhale mwakhala pano kwakanthawi, kutsatira malangizowa kudzakuthandizani kwambiri pamasewera anu oyika ndalama. Kuyika ndalama ndi mawu opindulitsa kwambiri, koma osati ophweka monga momwe amamvekera.
Pamafunika njira zambiri, kusanthula, kulingalira, ndi kusankha njira yabwino kwambiri. Kwa oyamba kumene, izi zimatha kukhala zolemetsa nthawi zina. Kupatula apo, kugwiritsa ntchito bwino ndalama zathu sikungakhale njira yopezera ndalama.
Anthu ambiri, makamaka achinyamata, amakonda masheya ngati njira yawo yoyamba yopezera ndalama.
Izi ndichifukwa cha kuchepa kwa ndalama komanso kuwonekera komwe msika wamasheya umapereka, pamodzi ndi zotsatira zabwino!
Komabe, zimafunikira nthawi yochulukirapo ndikuyeserera ngati wina akufuna kuchoka kwa novice kupita kwa wochita malonda / wochita bwino ndikupanga gawo lomwe akufuna.
Muthanso kuonetsetsa izi mapulogalamu apamwamba azachuma kwa oyamba kumene.
Siyani Mumakonda