Momwe Mungayambitsire Kuyika Ndalama mu SIP kwa Oyamba? Munayamba mwadzifunsapo za njira yomwe simangofewetsa dziko lovuta lazachuma komanso limapangitsa kuti aliyense athe kuzipeza?
Lowetsani Systematic Investment Plan (SIP), njira yolandirika kwambiri mu thumba la ndalama. Koma nchiyani chimapangitsa SIP kukhala yodziwika bwino? Kodi imayendetsa bwanji ngozi, ndikupangitsa kuti ikhale yosinthika kwa obwera kumene?
Tiyeni tifufuze maziko a SIP, tivumbulutse ubwino wake, ndikuyang'ana mwatsatanetsatane njira zoyambira momwe mungayambitsire ndalama mu SIP pamapeto pake.
M'ndandanda wazopezekamo:
Khazikitsani msonkhano wa "Momwe mungayambitsire ndalama mu SIP".
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Kodi Systematic Investment Plan (SIP) ndi chiyani?
A Systematic Investment Plan (SIP) imadziwika ngati njira yolandirika kwambiri m'malo osungira ndalama. Zimayimira a njira yosinthika komanso yofikirika kwa osunga ndalama, kuwapangitsa kuti azilowetsa mwadongosolo ndalama zodziwikiratu pafupipafupi, nthawi zambiri pamwezi, mu thumba la ndalama losankhidwa. Njirayi imalola osunga ndalama kuti apeze phindu pakatha nthawi yayitali ndikuyendetsa bwino kusinthasintha kwa msika.
Chitsanzo chabwino ndi wophunzira watsopano yemwe amalandila malipiro apamwezi 12 miliyoni. Atangolandira malipiro ake mwezi uliwonse, amawononga 2 miliyoni kuti agwiritse ntchito ndalama zamtengo wapatali mosasamala kanthu kuti msika ukukwera kapena kutsika. Iye anapitiriza kuchita zimenezi kwa nthawi yaitali.
Chifukwa chake, mutha kuwona kuti, ndi njira iyi yopangira ndalama, zomwe mukufuna si ndalama zambiri, koma ndalama. kukhazikika kwandalama pamwezi. Nthawi yomweyo, njirayi imafunanso kuti osunga ndalama azisungitsa ndalama mosalekeza kwa nthawi yayitali.
Ubwino Mukayika Ndalama mu SIP
Avereji ya mtengo wa ndalama zogulira (chiwerengero cha mtengo wa dollar).
Mwachitsanzo, ngati muli ndi 100 miliyoni yoti muyikepo, m'malo moyika ndalama zokwana 100 miliyoni mu stock code, mumagawa ndalamazo m'miyezi 10, mwezi uliwonse ndikuyika 10 miliyoni. Mukafalitsa ndalama zanu m'miyezi 10, mudzapindula ndi mtengo wapakati wogulira wa zolowa m'miyezi 10 imeneyo.
Pali miyezi ina yomwe mumagula masheya pamtengo wokwera (magawo ochepa ogulidwa), ndipo mwezi wamawa mumagula masheya pamtengo wotsika (magawo ochulukirapo ogulidwa)… Koma pamapeto pake, mudzapinduladi chifukwa mutha kugula mtengo wapakati.
Kuchepetsa Kutengeka, Kukulitsa Kugwirizana
Mukayika ndalama mu fomu iyi, mutha kulekanitsa zomwe zikukhudzidwa ndi zisankho zandalama. Simuyenera kukhala ndi mutu kuganiza: "Msika ukugwa, mitengo ndi yotsika, ndigule zambiri?" “Bwanji ngati inu kugula pamene akukwera, ndiye mawa mtengo amatsika?”…Mukamaika ndalama nthawi, inu aganyali nthawi zonse kaya mtengo ndi.
Ndalama Zotsika mtengo, Zogwiritsa Ntchito Nthawi Kwa Aliyense
Simufunika ndalama zambiri kapena nthawi yochulukirapo kuti mugwiritse ntchito SIP. Malingana ngati muli ndi ndalama zokhazikika, mukhoza kuyika ndalama mu fomuyi. Simufunikanso kuwononga nthawi yochuluka tsiku lililonse kuyang'ana msika, kapena kuganiza kawiri za kugula ndi kugulitsa. Chifukwa chake, iyi ndi njira yandalama yoyenera kwa ambiri.
Momwe Mungayambitsire Kuyika Ndalama mu SIP kwa Oyamba
Kodi Mungayambe Bwanji Kuyika Ndalama mu SIP? Masitepe ofunikirawa akuwonetsa zolinga ndi zotulukapo zenizeni kutengera momwe msika ukuyendera komanso momwe zinthu ziliri. Ikani patsogolo kafukufuku wathunthu ndipo ganizirani kufunafuna upangiri kwa katswiri wazachuma musanapange zisankho zandalama.
Sankhani SIP Index Fund
- Tip: Yambani ulendo wanu woyika ndalama pofufuza ndalama za SIP zomwe zimagwirizana ndi zolinga zanu zachuma. Sankhani ndalama zolumikizidwa ndi ma indices odziwika bwino monga S&P 500.
- Mwachitsanzo: Mutha kusankha Vanguard's S&P 500 Index Fund chifukwa chotsatira bwino S&P 500.
- Chotsatira Chotheka: Chisankhochi chimapereka mwayi wopezeka m'magulu osiyanasiyana otsogola ku US, ndikukhazikitsa maziko oti achuluke.
Yang'anirani Zolinga Zanu Zazachuma ndi Kulekerera Kwazowopsa
- Tip: Unikani zolinga zanu zachuma ndi chitonthozo pachiswe. Dziwani ngati mukutsamira pakukula kwanthawi yayitali kapena mukufuna njira yochenjera.
- Mwachitsanzo: Ngati cholinga chanu ndikukula kosalekeza ndi chiwopsezo chochepa, lingalirani za Vanguard's S&P 500 Index Fund momwe ikugwirizana ndi mbiri yowopsa iyi.
- Chotsatira Chotheka: Kuyanjanitsa thumba lanu ndi kulekerera kwanu pachiwopsezo kumakulitsa kuthekera kwanu pakusinthasintha kwa msika.
Yambitsani Akaunti Yakubweza ndi Kukwaniritsa Zofunikira za KYC
- Tip: Yambitsani ulendo wanu woyika ndalama pokhazikitsa akaunti yobwereketsa yokhala ndi nsanja yodziwika bwino ngati Charles Schwab kapena Fidelity. Malizitsani zofunikira za Know Your Customer (KYC).
- Mwachitsanzo: Tsegulani akaunti ndi Charles Schwab, ndikupereka chizindikiritso chofunikira ndi umboni wa adilesi ya njira ya KYC.
- Chotsatira Chotheka: Kupanga bwino akaunti kumakupatsani mwayi woti muyambe kuyika ndalama mu thumba lanu losankha la SIP.
Khazikitsani Zopereka za SIP zokha
- Tip: Khazikitsani njira yoyendetsera ndalama mosasinthasintha posankha zopereka pamwezi (monga $200) ndikukonzekera kusamutsidwa kogwiritsa ntchito kudzera muakaunti yanu yobwereketsa.
- Mwachitsanzo: Sinthani ndalama zokwana $200 pamwezi ku Vanguard's S&P 500 Index Fund.
- Chotsatira Chotheka: Zopereka zokha zimagwiritsa ntchito mphamvu zowonjezera, zomwe zimalimbikitsa kukula kwanthawi yayitali.
Unikaninso Nthawi Zonse ndi Kusintha Monga Mukufunikira
- Tip: Khalani otanganidwa powunika momwe thumba lanu la SIP likuyendera, ndikusintha pakafunika kutero.
- Mwachitsanzo: Chitani zowunika za kotala, sinthani kuchuluka kwa SIP yanu, kapena fufuzani ndalama zina kutengera momwe msika uliri.
- Chotsatira Chotheka: Ndemanga zanthawi ndi nthawi zimakupatsani mwayi wopanga zisankho mwanzeru, kuzolowera msika, ndikukhala ogwirizana ndi zolinga zanu zachuma
pansi Line
Kodi mumapeza momwe mungayambitsire ndalama mu SIP tsopano? Systematic Investment Planning (SIP) sikuti ndi njira yopezera ndalama komanso njira yomwe imagwirizanitsa kuphweka ndi kukula kwachuma. Kutha kwake kuyika mitengo yolowera pakati pamitengo ya dollar, kuchepetsa kusakhazikika kwamalingaliro, ndikupereka njira yosinthira, yopulumutsa nthawi kwa aliyense kumapangitsa kukhala chisankho chabwino kwambiri.
Kuphatikiza apo, SIP ndi malingaliro otsogola omwe amachepetsa zovuta komanso kulimbikitsa kudzilanga, chidziwitso, ndi chithandizo kwa iwo omwe akufuna kuwonjezera chuma chawo.
💡Mukufuna kupanga zokambirana kapena maphunziro okhudza "Momwe mungayambitsire ndalama mu SIP", onani Chidwi nthawi yomweyo! Ndi chida chodabwitsa kwa anthu ndi mabizinesi omwe akufuna pulogalamu yowonetsera zonse-mu-imodzi yomwe imaphatikizapo zambiri, zisankho zamoyo, mafunso, zinthu zopangidwa ndi gamified.
Mafunso Ofunsidwa Kawirikawiri
Ndi SIP iti yomwe ili yabwino kuyamba?
Njira yopangira ndalamayi ndiyoyenera kugulitsa ndalama zomwe zingagulidwe pang'ono, mwachitsanzo, masheya, golidi, ndalama, ndalama za crypto, ndi zina. Kwenikweni, ngati ndindalama yanthawi yayitali, mtengo wamtengo wapatali udzawonjezeka pakapita nthawi. M'miyezi ndi zaka zoyamba, chifukwa ndalama zonse zogulira ndalama zikadali zazing'ono, mutha kuvomereza zoopsa zazikulu ndikupindula ndi kusinthasintha kwakukulu kwa msika.
Kodi ndi ndalama zingati zomwe zili zoyenera kuti woyamba kuyikapo mu SIP?
Ngati mugulitsa $5,000 mu SIP, ndalamazo zidzagawidwa pa thumba lonse losankhidwa mwapang'onopang'ono. Mwachitsanzo, ndi SIP pamwezi, $5,000 yanu ikhoza kuyikidwa ngati $500 pamwezi pamiyezi khumi. Kusasinthasintha ndikofunikira kwambiri kuposa kuchuluka koyamba, ndipo mutha kusintha nthawi zonse momwe chuma chanu chikuyenda bwino. Kuwunika pafupipafupi kumawonetsetsa kuti ndalama zanu zikugwirizana ndi zomwe mukufuna komanso momwe msika ulili.
Kodi ndingayambire bwanji mu SIP?
Kodi mungayambe bwanji kuyika ndalama mu SIP? Chofunikira kuti muthe kuyika ndalama nthawi ndi nthawi ndikukhala ndi ndalama zokhazikika. Ndalama zomwe mumayika pamwezi kuti mupange ndalama ziyenera kukhala zolekanitsidwa ndi zosowa zina za moyo, kuphatikizapo zofunikira zachangu monga kuopsa kwa thanzi, ndi zoopsa za ulova… Kuika ndalama nthawi zonse, ndiko kuti, ndalamazo zimakhala zopanda malire panthawi yake.
Choncho, muyenera kukhala okonzeka m'maganizo kuti izi ndi ndalama za nthawi yaitali, zomwe zimatha mpaka zaka khumi. Malangizo pang'ono apa ndikuti musanayambe kugulitsa ndalama, muyenera kudzipangira nokha thumba ladzidzidzi. Izi ndi ndalama zokuthandizani kuthana ndi zovuta m'moyo.
Ref: HDFC bank | Times of India
