Momwe Mungayambitsire Kuyika Ndalama mu Stock Market? Kuyika ndalama ndi njira yoti aliyense akwaniritse zolinga zake zachuma zanthawi yayitali. Kaya mumalakalaka kupuma pantchito yabwino, kulipira maphunziro a mwana wanu, kapena kusunga zochitika zazikulu pamoyo wanu, kuyika ndalama pamsika kungakhale chida champhamvu.
Ngati munayamba mwadzifunsapo momwe anthu amakulitsira chuma chawo pakapita nthawi kapena momwe angapangire ndalama zanu kukugwirirani ntchito, muli pamalo oyenera. M'nkhaniyi, tiwulula zinsinsi za msika wamasheya ndikukupatsani njira zothandiza kuti muyambitse ulendo wanu woyika ndalama.
M'ndandanda wazopezekamo:
- Kumvetsetsa Zoyambira Zogulitsa Zogulitsa Zamsika
- Kufunika Kokhazikitsa Zolinga Zachuma
- Kusankha Njira Yabwino Yoyendetsera Ndalama ndi Zitsanzo
- Momwe Mungayambitsire Kuyika Ndalama mu Stock Market
- Zitengera Zapadera
- Mafunso Ofunsidwa Kawirikawiri
Kumvetsetsa Zoyambira Zogulitsa Zogulitsa Zamsika
Kodi mungayambe bwanji kuyika ndalama mumsika wogulitsa kwa oyamba kumene? Zimayamba ndikumvetsetsa zoyambira zamalonda amsika. Zili ngati kuphunzira ma ABC a malo osewerera ndalama. M’malo amenewa, otchedwa msika wa masheya, anthu amagula ndi kugulitsa masheya, omwe ali ngati timagulu ting’onoting’ono tamakampani. Si masewera chabe kwa anthu olemera; ndi njira kuti aliyense kusunga ndalama zinthu zazikulu monga pantchito kapena maphunziro. Ganizirani ngati dimba momwe ndalama zanu zimatha kukula mwachangu kuposa ngati mumazisunga pamalo osungira nthawi zonse.
Tsopano, tiyeni tikambirane mawu ena ofunika. Ma index a msika, monga S&P 500, ali ngati zikwangwani zomwe zikuwonetsa momwe makampani akulu akuchitira. Ndiye pali zopindula, zomwe zili ngati mphatso zazing'ono zomwe makampani ena amakupatsirani chifukwa chokhala bwenzi lawo komanso kukhala ndi magawo awo.
Kuphatikiza apo, pali china chake chotchedwa capital gains, chomwe chili ngati kupanga ndalama zowonjezera mukagulitsa gawo kuposa momwe munalipirira. Kumvetsa zinthu zimenezi kuli ngati kukhala ndi mapu a zinthu zofunika kwambiri—kungakuthandizeni khazikitsani zolinga, sankhani kuchuluka kwa chiopsezo chomwe muli nacho, ndipo sankhani ndondomeko yoyenera yokulitsa ndalama zanu. Zili ngati mapu amsewu okuthandizani kuti mukhale wofufuza molimba mtima m'dziko lazambiri zamsika.
Kufunika Kokhazikitsa Zolinga Zachuma
Kuyamba ulendo wanu wamsika kumatengera kufotokozera zolinga zanu zachuma ndikumvetsetsa kulekerera kwanu pachiwopsezo. Zolinga izi zimakhala ngati mapu anu ndi ma benchmarks, pomwe chidziwitso chokhudza zoopsa chimatsogolera dongosolo lanu loyika ndalama. Tiyeni tiyang'ane zofunikira pazachuma komanso kumvetsetsa kwachiwopsezo cha chitukuko chanthawi yayitali pamsika wamasheya.
Kufotokozera Zolinga Zachuma
Kumayambiriro kwa ulendo wanu wamsika, ndikofunikira kufotokozera zolinga zanu zachuma. Kufotokozera momveka bwino zolingazi kumakhala ngati maziko a njira yanu yoyendetsera ndalama, osati kungokupatsani chidziwitso komanso kuchita ngati zizindikiro zowonetsera. yesani kupita patsogolo kwanu ndi kupambana panjira.
Kumvetsetsa Kulekerera Mavuto
Kumvetsetsa kulekerera kwanu pachiwopsezo ndi gawo lofunikira popanga dongosolo lazachuma logwirizana ndi zomwe muli nazo. Kutha kuvomereza zoopsa kumangomveka ngati momwe zimakhalira pamene msika umasinthasintha ndipo mwatsoka mumataya ndalama zanu zonse, moyo wa tsiku ndi tsiku wa banja lanu sudzakhudzidwa.
Mwachitsanzo, osunga ndalama ang'onoang'ono nthawi zambiri amakhala ndi mwayi wololera chifukwa amakhala ndi nthawi yochulukirapo kuti achire pakutsika kwa msika.
Kusamala Kuti Mupambane
Pamene mukuyamba ulendo wanu woyika ndalama, kulinganiza bwino pakati pa chiopsezo ndi mphotho ndikofunikira. Kubweza ndalama zambiri kumabwera ndi chiwopsezo chowonjezereka, pomwe zosankha zambiri zokhazikika zimapereka bata koma zotsika mtengo.
Kupeza kulinganiza koyenera kogwirizana ndi zolinga zanu zachuma ndi mulingo wa chitonthozo ndikofunikira pakukhazikitsa njira yopambana komanso yokhazikika yosungitsa ndalama. Kumvetsetsa ndi kufotokozera zolinga zanu, kuyesa kulolerana kwachiwopsezo, komanso kukhala ndi malire oyenera ndizofunikira kwambiri kupambana kwanthawi yayitali.
Kusankha Njira Yabwino Yoyendetsera Ndalama ndi Zitsanzo
Njira zoyendetsera ndalama ndi mapulani omwe amawongolera zisankho zanu pamsika wamasheya. Amakuthandizani kugwirizanitsa ndalama zanu ndi zolinga zanu zachuma komanso kulolerana ndi zoopsa.
Poyang'ana zitsanzo zenizeni zapadziko lapansi, osunga ndalama atha kudziwa bwino momwe angachitire njira zosiyanasiyana angagwiritsidwe ntchito pamene asankha kuyika ndalama m'malo osinthika a msika wogulitsa.
Nthawi Yaitali vs. Njira Zanthawi Yaifupi
- Njira Yanthawi Yaitali: Ganizirani za njira ya anthu omwe amasankha kuyika ndalama m'makampani odalirika omwe amalipira magawo monga Johnson & Johnson. Pogwira masheyawa kwa nthawi yayitali, osunga ndalama amafuna kuti apindule ndi kuyamikira kwachuma komanso ndalama zokhazikika.
- Njira Yanthawi Yaifupi: Kumbali inayi, osunga ndalama ena amasankha kuyika ndalama m'magawo osakhazikika ngati luso, kupezerapo mwayi pamachitidwe amsika akanthawi kochepa. Mwachitsanzo, magawo ogulitsa amakampani omwe akukula kwambiri pazaka zitatu zilizonse malipoti a ntchito.
Kuyika kwa Mtengo ndi Kukula
- Kugulitsa Ubwino: Osunga ndalama odziwika bwino ngati Warren Buffett nthawi zambiri amaika ndalama m'makampani osafunikira omwe ali ndi maziko olimba. Chitsanzo chikhoza kukhala ndalama za Buffett ku Coca-Cola, kampani yomwe inalibe mtengo wake pamene adaikapo ndalama, koma ndi kuthekera kolimba.
- Kukula Kwachuma: Mosiyana ndi izi, omwe akukulitsa ndalama amatha kusankha kuyikamo ndalama makampani akuluakulu ngati Tesla. Ngakhale kuti masheya akuchulukirachulukira, njira yake ndikupindula ndi kukula kwamtsogolo komwe kampani ikuyembekezeredwa.
osiyana
Otsatsa a Savvy amamvetsetsa kufunikira kosintha momwe amapangira ndalama. Atha kusiyanasiyana m'magawo onse, "kuyika ndalama" muukadaulo (mwachitsanzo, Apple), zaumoyo (mwachitsanzo, Pfizer), ndi mphamvu (mwachitsanzo, ExxonMobil). Kusiyanasiyana kumathandiza kuchepetsa chiopsezo, kuwonetsetsa kuti masheya amodzi sakhudza kwambiri mbiri yonse.
Kuyanjanitsa Njira Ndi Zolinga Zaumwini
Ganizirani za Investor yemwe akuyang'ana kuti awononge ndalama za thumba la maphunziro a mwana wawo. Atha kugwirizanitsa njira zawo poyika ndalama m'makampani osakanikirana ndi kukula ngati Google kuti apindule kwanthawi yayitali komanso masheya okhazikika omwe amalipira magawo monga Microsoft kuti apeze ndalama zokhazikika zolipirira maphunziro.
Momwe Mungayambitsire Kuyika Ndalama mu Stock Market
Kodi mungayambe bwanji kuyika ndalama mumsika wogulitsa kwa oyamba kumene? Mwa kuphatikiza kusankha kwa broker wodalirika kapena nsanja yogulitsira ndi njira zowunikira ndikusintha kosalekeza, mumapanga njira yokwanira yoyika ndalama zomwe zimagwirizana ndi zolinga zanu zachuma komanso zomwe zimagwirizana ndi kusintha kwa msika.
Kusankha Broker Wodalirika
Momwe Mungayambitsire Kuyika Ndalama Mumsika Wogulitsa Gawo 1: Kuyika ndalama m'matangadza kumafuna maziko olimba, kuyambira ndi kusankha kwa broker wodalirika kapena nsanja yoyika ndalama. Ganizirani za nsanja zokhazikitsidwa bwino monga Robinhood kapena Skilling, Vanguard,… odziwika ndi mawonekedwe osavuta kugwiritsa ntchito, zolipiritsa zotsika, komanso zonse. maphunziro zothandizira. Musanapange chisankho, yang'anani zinthu monga ndalama zogulira, ndalama zolipirira akaunti, ndi njira zogulitsira zomwe zaperekedwa.
Kufufuza ndi Kusankha Masheya
Momwe Mungayambitsire Kuyika Ndalama Mumsika Wamasheya Gawo 2: Akaunti yanu itakhazikitsidwa, ndi nthawi yoti "muyike ndalama." Gwiritsani ntchito zida zofufuzira zoperekedwa ndi nsanja yomwe mwasankha. Mwachitsanzo, nsanja ngati Robinhood kapena Interactive Brokers imapereka kusanthula kwatsatanetsatane, zowonera masheya, ndi zidziwitso zenizeni pamsika. Pamene mukuyenda, sungani zolinga zanu zachuma m'maganizo, posankha masheya omwe amagwirizana ndi njira yanu, kaya ndi kukula, mtengo, kapena kuyang'ana ndalama.
Kuyang'anira Investment Portfolio Yanu
Momwe Mungayambitsire Kuyika Ndalama Mumsika Wamasheya Gawo 3: Mukagulitsa masheya, kuwunika pafupipafupi ndikofunikira. Mapulatifomu ambiri amapereka mawonekedwe otsata mbiri. Mwachitsanzo, Merrill Edge imapereka dashboard yosavuta kugwiritsa ntchito yomwe ikuwonetsa momwe mbiri yanu ikugwirira ntchito, zambiri zamtundu uliwonse, komanso kugawidwa kwazinthu zonse. Kuwona pafupipafupi ma metrics kumakupatsani chidziwitso cha momwe ndalama zanu zikuyendera.
Kusintha Portfolio Yanu Monga Mukufunikira
Momwe Mungayambitsire Kuyika Ndalama Mumsika Wamasheya Gawo 4: Mikhalidwe yamsika ndi momwe zinthu zilili pamunthu zimasintha, zomwe zimafunikira kusintha kwanthawi ndi nthawi pazachuma chanu. Ngati masheya sakuyenda bwino kapena zolinga zanu zachuma zikusintha, khalani okonzeka kusintha mabizinesi anu. Lingalirani kulinganizanso mbiri yanu kapena kugawanso katundu wanu kuti muwonetsetse kuti zikugwirizana ndi zomwe mukufuna.
Zitengera Zapadera
Pomaliza, kuyika ndalama mumsika sikungotengera ndalama; ndi njira yopezera chuma. Pomvetsetsa zoyambira, kukhazikitsa zolinga zomveka bwino, ndikusankha njira yoyenera yopangira ndalama ndi nsanja, mumadziyika nokha ngati wofufuza molimba mtima m'malo akulu komanso osinthika amipata yamsika.
💡Ngati mukuyang'ana njira zatsopano zoperekera maphunziro okakamiza amomwe mungayambitsire ndalama pamsika, Chidwi ndi ndalama zambiri. Izi chida chowonetsera chothandizira ili ndi zonse zomwe mungafune kuti mutenge omvera poyang'ana koyamba ndikupanga chilichonse zokambirana ndi maphunziro ogwira mtima.
Mafunso Ofunsidwa Kawirikawiri
Kodi ndingawuyambe bwanji ulendo wanga wotsatsa malonda pamsika ngati woyamba?
Yambani pophunzira zoyambira za masheya, ma bond, ndi njira zogulitsira pogwiritsa ntchito zida zoyambira pa intaneti ndi mabuku. Fotokozani zolinga zanu, monga kusunga nyumba kapena kupuma pantchito, kuti ziwongolere zisankho zanu zogulitsa. Mvetsetsani kuchuluka kwa chitonthozo chanu ndi kusinthasintha kwa msika kuti mugwirizane ndi njira yanu yogulitsira moyenerera.
Yambani ndi ndalama zomwe zimagwirizana ndi bajeti yanu ndipo pang'onopang'ono muwonjezere ndalama zanu pakapita nthawi.
Kodi ndi ndalama zingati zomwe zili zoyenera kuti woyamba kuyikapo pamsika wamasheya?
Yambani ndi ndalama zomwe zimakusangalatsani. Mapulatifomu ambiri amalola ndalama zazing'ono, choncho yambani ndi ndalama zomwe zimagwirizana ndi ndalama zanu. Chofunika kwambiri ndikuyambitsa ulendo wamalonda, ngakhale ndalama zoyambazo ndizochepa, ndipo zimathandizira nthawi zonse.
Kodi ndingayambitse bwanji katundu ndi $100?
Kuyamba ulendo wanu wamsika ndi $ 100 ndizotheka komanso kwanzeru. Dziphunzitseni nokha pazofunikira, khalani ndi zolinga zomveka bwino, ndikusankha brokerage yotsika mtengo. Ganizirani magawo a magawo ndi ma ETF kuti musinthe. Yambani ndi ma blue-chip stocks ndipo muzipereka nthawi zonse. Bweretsani zopindula kuti zikule, fufuzani zomwe mwagulitsa, ndikuchita kuleza mtima. Ngakhale ndi ndalama zochepa, njira yolangizirayi imayala maziko a kukula kwachuma kwa nthawi yaitali.
Ref: Forbes | Investopedia
