Ipotifoliyo yotyalo-mali: ntoni na, njani na kwenzeka nendlela ukufikelela

Invest zonke iimali omnye kuphela isixhobo uxabiso eyinkunzi belusoloko ingqalelo ishishini kuyingozi kakhulu. ezinzile linge ukukhupha imali kumacala ahlukeneyo ukuze ilahleko kwindawo mnye zincitshiswe ingeniso ngaphezulu kwelinye. Ukuphunyezwa esebenzayo lo mqondo unephothifoliyo ye investment. Enyanisweni, kodwa zizo zonke zemali kunye notyalo-mali lokwenene. Xa sincokola ngayo imali eninzi, ngengqiqo imxinwa ilizwi eli gama ngokupheleleyo zonke izibambiso kungakhathaliseki uhlobo, ubude kunye isambuku iqumrhu umnikazi okanye umntu omele ulawulo ngokupheleleyo into.

Yintoni i investment portfolio

yomtyali ngamnye kuqala owakhe phakathi emngciphekweni, imbuyekezo kunye amatyala-mali. Kuxhomekeka umlinganiselo ezi meko zibe bodwa Growth Portfolio, ingeniso kunye engumxube, ngokukhalipha idibanisa zombini ezi ndlela. ngasinye Baye iinjongo zabo kunye neempawu. Ngenxa yoko, ukukhula ipotifoliyo yotyalo lijonge ukwandisa ingeniso kwithuba elide. Kulo mzekelo, umtyali-mali kukunika up iindawo eziphezulu-yabanye, ingeniso ngexeshana elifutshane. Isiseko sale ncwadi, njengoko umthetho, ukwenza iphepha, ebonisa ukukhula oluzinzileyo yaye injongo yayo - ukwandisa ikomkhulu ngokwandisa ixabiso lemakethi asethi ezinjalo. Xa tivi badlale indima yesibini. ingeniso ipotifoliyo yotyalo-mali, kwelinye icala, ijonge ukukhulisa ingeniso kwi ukuthenga nganye kwaye yenzelwe inzuzo eliphezulu kwixesha elifutshane. Kulo mzekelo, iphepha ixesha elide nto ebaluleke kakhulu, njengoko njengenqobo isigqibo ekukhetheni izibambiso iba umvuzo omkhulu ngelo xesha, kuquka ngenxa tivi kunye nenzala iintlawulo. Umngcipheko investment portfolio kulo mzekelo iphezulu kakhulu inguquko yangaphambili. Ezimbini kwezi iintlobo ebaxiweyo, kuphela kwiimeko ezithile naphantsi kweemeko ezithile. Ngokusesikweni, Kakade ke, benza isikhundla elungeleleneyo, okanye njengoko ibizwa ngokuba, ukukhula iphothifoliyo kunye nengeniso. injongo yakhe - intlanganisela ngokupheleleyo inzuzo kunye nobungozi.

Ukhetho bezixhobo zotyalo-mali

Kungakhathaliseki ukuba uhlobo sokunabela iphothifoliyo Kucetyiswa ukuba basebenzise indawo. On iphepha ezahlukeneyo kuchaphazela inani ezininzi kakhulu, kwaye ukulandela bonke bephela akunakwenzeka. Ngoko ke, ingqiqo investment portfolio kuthatha ulwabiwo olufanelekileyo lwezibonelelo phakathi iintlobo ngeentlobo zezixhobo zemali. Emva kokukhetha indlela iklasi asethi iyavakala ukuba awabe mali phakathi iintlobo ezahlukeneyo lwamaphepha ningabaleli eklasini. Umzekelo, ukuba urhulumente ogqibe ukuba ugxininise kuso kwicandelo amandla, kunokuba ukuthenga yonke izibambiso equity benkokeli ecacileyo, kungcono ukuba uthenge izabelo kwiinkampani ezininzi ezisebenzayo kwesi entsimini. Enye indlela diversify ukhetho izibambiso amagama ahlukeneyo intlawulo izahlulo. Oku kuya kuvumela ukwenza utyale kwii-asethi, ngokwexabiso ogama wenyuka kakhulu.

uphicotho ezithile

Ubuncinane kanye ngonyaka ukwenza uhlalutyo olubanzi nokuphonononga ulwabiwo yangoku-asethi kwaye ulungise umlinganiselo asethi xa kuyimfuneko. Ekuqaleni, kubalulekile ukufunda ukufezekisa indlela iinjongo ebekwe ngokwemiqathango ixesha elide, kwaye namava efunyenwe xa kukho yimvakalelo entembeko uqikelelo, isikhundla anokuthi alungi-lungiswe rhoqo.

utyale

Kulingeselelo rhoqo yenzuzo zibe mafa ekwaziyo linyuke kakhulu eyinkunzi. Kulo mzekelo, kunokuba negalelo elikhulu ekupheleni kwexesha lonyaka kubhetele ukuba utyalo 1/12 kule mali nyanga nganye. Nangona kusenokwenzeka ukuba benze utyalo-mali enkulu, ukuba unayo okwangoku, kodwa imeko ufuna amanyathelo akhawulezileyo.