Yimalini endiyidingayo ukuze ndiqalise ukuTyala imali? Ukuba ucinga ukuba kufuneka ube ne-10,000 yeedola ubuncinane kwi-akhawunti yakho ukuqala ukutyalomali, yimpazamo enkulu. Utyalo-mali kufuneka luqale kwangethuba, luqale ngexabiso elincinci le-100 yeedola ukuya kwi-1,000 yeedola, kwaye ngesicwangciso esilungileyo, sinokwenza imbuyekezo enkulu. Ukuba awuyazi ukuba yimalini oyidingayo ukuze uqalise ukutyala imali ngo-2024, nantsi isikhokelo esi-5 sokukunceda ngoku.
Isiqulatho:
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- Amanyathelo asi-7 okuYila ngeSakhelo sokuPhuhliswa komntu sasimahla ngo-2023
Yimalini endiyidingayo ukuze ndiqalise ukuTyala imali?
Yimalini endiyidingayo ukuze ndiqalise ukuTyala imali? Nanku umgaqo olula: “Ngokufanelekileyo, uya kutyala imali kwindawo ethile I-15% -25% yomvuzo wakho wasemva kwerhafu, "U ngokukaMark Henry, umseki kunye ne-CEO kwi-Alloy Wealth Management. Oku kunokubandakanya izitokhwe, iibhondi, izabelo, iimali ezihlangeneyo, okanye ii-ETFs zotshintshiselwano. Ukwahlula utyalo-mali lwakho kunceda ekusasazeni umngcipheko kwaye kunokonyusa imbuyekezo ngokuhamba kwexesha.
Ngaba ukulungele ngokwezimali?
Ngaphambi kokuba ubuze "Yimalini endiyidingayo ukuze ndiqalise ukuTyala imali” umbuzo kuwe, Okokuqala, qaphela imeko yakho yemali. Ngaba umvuzo wakho wangoku kunye nenkcitho yakho ikunika enye imali ongayityala ngayo? Ngaba unalo ityala okanye ingxowa-mali yexesha likaxakeka equka iinyanga ezintathu ukuya kwezintandathu kwiindleko ezisisiseko? Kunokuba yingozi ukuba utyala yonke imali yakho ngaphandle kwe-backup kuba into oza kuyenza kukutyalomali lwexesha elide. Akukho ngqiqweni ukuba uyeka utyalo-mali lwakho, urhoxise imali yakho, kwaye awukayifumani nayiphi na imbuyekezo ngaphambi koko.
Funda malunga nomrhumo worhwebo
Umrhumo we-brokerage yimali ehlawulwa ngumrhwebi ngokwenza intengiselwano egameni lomthengi. Imirhumo yebrokerage inokwahluka ngokubanzi ngokuxhomekeke kumthengisi, uhlobo lwesixhobo semali esirhwebayo, kunye neenkonzo ezithile ezibonelelweyo.
Ifomula elula yabatyali-mali abatsha: Ipesenti=(Iindleko zoTyalo-mali/zoRhwebo)×100. Ukuba ixabiso le-brokerage ye-$ 5, kunye noTyalo-mali kwizabelo yi-$ 600, i-brokerage iya kumela ngaphezu kwe-0.83% yotyalo-mali lwakho. Kungcono ukuphanda ukuba yimalini intlawulo ye-brokerage eyahlukileyo kubaboneleli abahlukeneyo bee-brokerage.
Udinga malini ukuze uqalise ukutyala imali kwizitokhwe?
Ingakanani imali endiyidingayo ukuze ndiqalise ukutyala imali kwisitokhwe? Ngepotfoliyo encinci kunye nemali elinganiselweyo, kunokuba udibanise ukubamba kwabo kwiintlobo ezininzi zeesitokhwe, unokugxila kwizinto ezimbalwa ezinamandla ezinamandla.
Khawufane ucinge ukwabela enye i-$ 3,000 kwinkampani yamandla avuselelekayo ethembisayo njengeTesla (TSLA) njengoko iphuma kwisigaba sokudibanisa kunye neyona ndawo ifanelekileyo yokuthenga i-$ 450 ngoNovemba 2022. Ngokubambelela kwesi sikhundla kude kube phakathi kwe-2024, unokukwazi ukubona i-120% inzuzo, ukuguqulela kwinzuzo ye-3,600 yeedola. Oku kuvakala kubi.
IItrakthi ezibalulekileyo
Isishwankathelo, kulungile ukuqalisa ukutyala imali ngokukhawuleza, masiqale ukusuka kwi-10 yeedola ngenyanga kwaye uya kuwubona umahluko.
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Imibuzo ebuzwa qho
Ingakanani imali omele uqalise ukuyityala?
Eyona mali ilungileyo kutyalo-mali imalunga ne-10% ukuya kwi-15% yomvuzo wakho nyaka ngamnye kwisicwangciso somhlalaphantsi. Kufunyaniswa ukuba kuqalwe ngohlahlo lwabiwo-mali oluncinci nyanga nganye ngokutyala imali kwi-investment-income investments ukususela ngoku ukuya phambili, njengokubeka imali kwi stock, dividends, bonds, kunye ne ETFs.
Ngaba i-100 yeedola yanele ukuqalisa utyalo-mali?
Ewe, luhambo oluqaqambileyo kutyalo-mali lwakho lwexesha elide xa unomvuzo ophakathi. Ukwenza utyalo-mali lwe-100 yeedola ngenyanga kunokukunceda ukuba ufumane imbuyekezo enkulu ngokuhamba kwexesha, uthatha i-10% ye-avareji yembuyekezo yonyaka.
Yeyiphi eyona mali incinci oza kuyityala?
Ngokwenyani, akukho mfuneko incinci enjalo kutyalo-mali. Enyanisweni, baninzi ababoneleli bee-brokerage abangahlawulisi ntlawulo ye-brokerage, ngoko mhlawumbi unokuqalisa ukutyala imali kwi-stock market kunye ne-1 nje ye-$.
Ngowuphi umthetho we-15 * 15 * 15?
Lo mthetho we-15 * 15 * 15 uthandwa kakhulu e-Indiya, olandela utyalo-mali olusekwe kwi-SIP-based mutual fund. Icinga ukuba ukuba utyalomali i-Rs 15000 ngenyanga kwiminyaka eyi-15 kwimbuyekezo ye-15% ngonyaka iya kukunika ubutyebi be-Rs 1 ekupheleni kweminyaka eyi-15.
Ref: Comba
