Utyalo-mali lunokuba ngumdlalo oyingozi onokuwulandela.
Ukuba usandula ukwenza isigqibo sokunyusa umdlalo wakho wokhuseleko wexesha elide ngokukhetha ukutyala imali, nanga amacebiso asixhenxe abalulekileyo otyalo-mali onokuthi wena, njengosaqalayo, uwalandele –
1. Funda ngaphambi kokufaka isicelo: Nje ukuba unemali eyaneleyo yokutyala imali, qalisa ukufunda malunga nokutyala imali.
Kukho iindlela ezininzi zotyalo-mali ezifana nezitokhwe, funds mutual, izatifikethi zediphozithi, igolide, njl. Funda malunga nethuba ngalinye lokuqonda ukuba leliphi elikufanele kakhulu.
Ukuqala-ukuqonda isigama esisisiseko, esiya kukunceda ekwenzeni izigqibo ezinengqiqo. Kukho iincwadi ezininzi, ii-e-books, kunye neejenali ezikhoyo ezinedatha efanelekileyo yokuba uqalise uhambo lwakho lotyalo-mali!
I-intanethi, nayo, igcwele ulwazi oluninzi malunga neemarike kunye nokutyalomali kwimarike.
Olunye ukhetho olukhulu lokufunda konke malunga notyalo-mali kungomtyali-mali osele ekhona.
Isenokuba ngumhlobo, ilungu losapho, okanye ingcali. Thatha isikhokelo sabo ukuze uqonde konke okufunayo ngaphambi kokungena kwihlabathi lotyalo-mali.
2. Yahlula utyalo-mali lwakho: Musa ukuthembela kuhlobo olunye lotyalo-mali, kwaye gcina ipotfoliyo yakho yee-asethi ezahlukeneyo. Tyala kwiindawo ezahlukeneyo zotyalo-mali ukunqanda ukuphulukana nayo yonke imali ngaxeshanye ukuba icandelo elithile libona ukwehla.
Umtyali-mali okrelekrele wenza ipotfoliyo enazo zonke iintlobo zamathuba otyalo-mali; umngcipheko, ukhuselekile, ixesha elide, kunye nexesha elifutshane. Oku kuvumela umtyali-mali ukuba asebenzise inzuzo yohlobo ngalunye lwe-asethi.
Yiba nequla le amabhondi, iingxowa-mali ezihlangeneyo, izibambiso, izitokhwe, iimali ezibolekwayo, kunye nokhetho onokuthi utyale imali yakho kulo.
Ngaphandle kwezi, izindlu ezithengiswayo, igolide, kunye nezinye iimveliso ezinjalo zinokuqwalaselwa ukuba ujonge ukohlula-hlula ipotifoliyo yakho yotyalo-mali ngokubanzi.
Nangona kunjalo, musa ukwenza nzima ipotifoliyo yakho ukuba uvakalelwa kukuba kusesekuseni kakhulu ukuba uyilawule yonke.
Njengomqali, kuya kufuneka uqale ngokulula kwaye wazi imida yakho.
Khetha iindlela ezimbalwa zotyalo-mali owaziyo ukuba ziyalawuleka. Ukuba uzama ukuhamba yonke ibhodi ngepotfoliyo yakho - kunokubangela amava anzima kunye noxinzelelo.
3. Hlala uzolile ngexesha imarike yebhere: data-preserver-spaces=”yinyani”> Ukuthengisa ngokothuka akuncedi mntu kwaye kukhokelela kwilahleko. Ukuba umtsha kwimarike kwaye kukho ukuhla ngokukhawuleza kwamaxabiso, kwaye imarike iyancipha, musa ukuphaphazela.
Xa ubona amaxabiso ehla, into yokuqala ongayenza kukulibala malunga nelahleko yangoku kwaye ugxininise ekudaleni ubutyebi bexesha elide.
Qinisekisa ukuba awusoloko ujonga i-akhawunti yakho ye-brokerage kwaye ugweme ukujonga amaxabiso esitokhwe ngokugqithiseleyo.
Hlala uzolile ngexesha le nkqubo kuba yonke into imarike edilikayo izakubuyela phezulu.
Lonke ixesha lebhere lilandelwa lixesha lenkunzi, ngoko ke eyona nto ilungileyo onokuyenza ngelo xesha kukuhlala uzolile kwaye uqulunqwe kwaye uphephe ukuxhathisa. Khumbula, ungasoloko ukwi-avareji yexabiso lesitokhwe sakho kamva.
I-avareji ikuvumela ukuba unyuse okanye unciphise amaxabiso estokhwe ngokwemeko yemarike kwaye uthintele ilahleko ephezulu.
4. Qonda iinjongo zakho, ixesha, kunye nesizathu sotyalo-mali: Wonke umntu unesizathu nenjongo eyahlukileyo emva kotyalo-mali lwakhe. Izigqibo zotyalo-mali kunye nezicwangciso zixhomekeke kakhulu kwezi zizathu.
Ukuba ufuna ingeniso eyongezelelweyo kutyalo-mali rhoqo, ipotifoliyo elondolozayo yeyona nto uyikhethayo.
Ukuba ujonge ikamva, ukutyala imali kumagama athembekileyo aya kuvuna inzuzo kwixesha elide lukhetho olufanelekileyo. Nangona kunjalo, ukuba ukule mdlalo omkhulu, kuya kufuneka ubambe utyalo-mali olunamandla.
Ixesha lexesha likwabaluleke kakhulu. Ngokomzekelo, ukuba ujolise kwiingcamango zotyalo-mali zexesha elifutshane, ukukhetha i-intra-day kwi-stock market lukhetho olufanelekileyo. Nangona kunjalo, ukuba ufuna ukutyalomali ixesha elide, iingxowa-mali ezihlangeneyo yenye yazo ukhetho oluphezulu.
5. Ingqiqo, hayi iimvakalelo: Xa ungena kwihlabathi lotyalo-mali, qiniseka ukuba iimvakalelo zakho azikhethi iinkampani ofuna ukutyala kuzo.
Hlala unengqondo, kwaye wenze izigqibo ezihambelanayo. Iimvakalelo azivumelekanga kwilizwe lezemali. Ukhetho lwakho kufuneka lusekelwe kuphela kuphando olufanelekileyo kunye nonikezelo olucwangcisiweyo.
Kuba uthanda inkampani ethile, ixabiso layo okanye abaniniyo ayisosizathu esaneleyo sokutyala imali kuloo nkampani. Inyani yokuba ufuna ukuthenga izabelo kwinkampani oyisebenzelayo okanye iqabane lakho inganika umdla.
Kodwa oko, kwakhona, ayisosizathu esifanelekileyo sokutyala imali kulo phawu ngokungaboni.
Qinisekisa ukuba uhlalutya ngenkuthalo iindlela zenkampani kule minyaka mihlanu idlulileyo (ubuncinci).
Abatyali-zimali abaphezulu, iinjongo zabo zexesha elide, kunye neenzuzo zeminyaka edlulileyo kunye neelahleko kufuneka zihlalutywe, nazo.
Le yimiba ebalulekileyo ekufuneka isoloko iqwalaselwa ngelixa utyala imali.
6. Kuphephe ukusebenzisa amandla: Kubaqalayo, ukusebenzisa i-leverage, eyaziwa ngokuba yimali ebolekiweyo, inokuba sisiqalo esilula. Le yenye yeempazamo ezinkulu ezenziwa ngabatyali-mali abatsha, njengoko belibala ukuba utyalo-mali alusoze luphoswe ngokuqinisekileyo.
Unokwenza imali, ewe. Kodwa unokuphulukana nemali, eninzi - kwaye ngamanye amaxesha, yonke.
Kukho imingcipheko ephezulu yokurhweba ngesitokhwe kunye ne-leverage-ithuba lokulahlekelwa ngaphezu kotyalo-mali liyenyuka.
Hlala utyala imali yakho, nokuba incinci kangakanani na. Ukuba ulahlekelwa yimali yakho, ulahlekelwa yinxalenye yomvuzo wakho kuphela. Ukuba ulahlekelwa yimali yomboleki, awulahleki kuphela loo nto kodwa inzala.
Ukongeza, ulahlekelwa bubudlelwane boluntu, isidima sakho, kunye noxolo lwengqondo, ngokunjalo. Umntu kufuneka aqikelele kuphela ngemali anokukwazi ukuyilahleka ngaphandle kokuphazamisa ubomi bakhe kunye nesiqhelo.
7. Yazi ukunyamezela kwakho umngcipheko: Ukutyala imali kwimarike yemasheya kunye nomngcipheko uhamba kunye. Aziphelelanga ngaphandle komnye. Yingakho kufuneka uhlalutye ngononophelo umngcipheko ohambelana nohlobo lwendawo yotyalo-mali oyikhethayo.
Utyala imali kuphela ngokomngcipheko onokuwunyamezela.
Ngokuqhelekileyo kukho iindidi ezintathu zabatyali-zimali - umtyali-mali onobudlova, umtyali-mali ophakathi, kunye nomtyali-zimali olondolozayo.
Ukuba ungumntu ochasene nomngcipheko kwaye ufuna ukuthwala umngcipheko omncinci, iinketho ezifana nezibambiso zikarhulumente kunye funds mutual zikhetho ezifanelekileyo. Ukuba ukulungele ukuthatha umngcipheko kodwa ungafuni ukuntywila ngokupheleleyo, ukutyala imali kwizitokhwe eziphakathi lukhetho olufanelekileyo.
Ekugqibeleni, ukuba unokuthwala umngcipheko ophezulu, izitokhwe, iibhondi eziphezulu zesivuno, njl., Ziyindlela efanelekileyo kuwe. Okukhona uvulelekile kumngcipheko omkhulu, kokukhona unokudlala kwaye ulinge imarike.
Ukuba usukela inzuzo ephezulu kodwa ukulungele ukuthwala ilahleko ephezulu, imarike yemasheya ligumbi lakho leemfihlo!
ILIZWI LOKUGQIBELA:
Ezi ngcebiso zikhankanywe ngasentla ziluncedo kakhulu kuye nabani na omtsha kwihlabathi lotyalo-mali.
Nangona kunjalo, nokuba sele ulapha ixesha elithile, ukulandela ezi ngcebiso kuya kukunceda ngenene ukuya kumdlalo wakho wotyalo-mali. Utyalo-mali ligama elinengeniso kakhulu, kodwa akulula njengoko livakala.
Ifuna ukucwangciswa kobuchule okuninzi, ukuhlalutya, ukucinga, kunye nokukhetha eyona ndlela ingcono. Kubaqalayo, oku kunokuba nzima kancinci ngamanye amaxesha. Emva kwayo yonke loo nto, ukusebenzisa imali yethu ngeyona ndlela ayinakuba yicakewalk.
Uninzi lwabantu, ngakumbi ulutsha, bakhetha isitokhwe njengokhetho lwabo lokuqala lotyalo-mali.
Oku kungenxa yokungabi namali kunye nokungafihli nto okubonelelwa yi-stock market, kunye neziphumo ezihle!
Nangona kunjalo, kufuna ixesha elithile kunye nokuziqhelanisa ukuba umntu unqwenela ukujika kwi-novice ukuya kumthengisi ophumeleleyo / umtyalo-mali kwaye enze isabelo sabo esinqwenelekayo senzuzo.
Unokuthanda ukujonga ezi zinto apps eziphezulu zotyalo-mali zabaqalayo.
Shiya iMpendulo