Uqala njani ukutyala imali kwi-SIP yabaQalayo? Ngaba ukhe wazibuza ngesicwangciso esingelula nje kuphela ilizwe elintsonkothileyo lotyalo-mali kodwa lisenza ukuba lifikeleleke kuye wonke umntu?
Ngena kwiSicwangciso soTyalo-mali oluCwangcisiweyo (SIP), indlela eyamkelwe ngokubanzi kwindawo yengxowa-mali yotyalo-mali. Kodwa yintoni eyenza i-SIP ibonakale? Ilawula njani ngempumelelo umngcipheko, iyenze ilungele abantu abatsha?
Let's explore the foundations of SIP, unravel its advantages, and take a closer look at the basic steps of how to start investing in SIP ultimately.
Ukuqala njani ukuTyala imali kwi-SIP
Isiqulatho:
- Yintoni iSicwangciso soTyalo-mali oluCwangcisiweyo (SIP)
- Izinto eziluncedo xa uTyala imali kwi-SIP
- Uqala njani ukutyala imali kwi-SIP yabaQalayo
- Okukwintsusa
- Imibuzo ebuzwa qho
Host a live "How to start investing in SIP" workshop
Yenza abaphulaphuli bakho babandakanyeke
Qala ingxoxo enentsingiselo, fumana ingxelo eluncedo kwaye ufundise abaphulaphuli bakho. Bhalisa ukuze uthathe ithemplate yeAhaSlides yasimahla
🚀 Bamba Imibuzo Yasimahla☁️Yintoni iSicwangciso soTyalo-mali oluCwangcisiweyo (SIP)
IsiCwangciso soTyalo-mali oluCwangcisiweyo (SIP) sigqama njengesicwangciso esamkelwe ngokubanzi ngaphakathi kwendawo yengxowa-mali yotyalo-mali. Imele a indlela eguquguqukayo nefikelelekayokubatyali-zimali, okubavumela ukuba bafake isixa esimiselweyo ngamaxesha aqhelekileyo, ngokuqhelekileyo rhoqo ngenyanga, kwingxowa-mali yotyalo-mali ekhethiweyo. Le ndlela ivumela abatyali-mali ukuba baqokelele inzuzo kwixesha elide ngelixa bejonga ngokuguquguqukayo kweemarike.
Umzekelo omhle ngumntu omtsha ophumeleleyo kunye nomvuzo wenyanga oqhelekileyo we-12 yezigidi. Kanye emva kokufumana umvuzo wakhe nyanga zonke, uchitha i-2 yezigidi zokutyalomali kwikhowudi yesitokhwe kungakhathaliseki ukuba imarike inyuka okanye ihla. Waqhubeka esenza loo nto ixesha elide.
Ke, unokubona ukuba, ngale ndlela yotyalo-mali, into oyifunayo ayisosixa esikhulu semali, kodwa Ukuhamba kwemali yenyanga okuzinzileyo. Kwangaxeshanye, le ndlela ikwafuna abatyali-mali ukuba batyale imali ngokuqhubekayo kwixesha elide.
Izinto eziluncedo xa uTyala imali kwi-SIP
Ukuqala njani ukutyala imali kwi-SIP ukuzisa iinzuzo ezininzi kwixesha elideAverage the investment's input price (dollar-cost averaging).
Ngokomzekelo, ukuba une-100 yezigidi zokutyalomali, endaweni yokutshala ngokukhawuleza i-100 yezigidi kwikhowudi yesitokhwe, uyahlula olo tyalo-mali kwiinyanga ezili-10, inyanga nganye utyalo-mali ezili-10 zezigidi. Xa usasaza utyalo-mali lwakho kwiinyanga ezili-10, uya kuxhamla kumyinge wexabiso lokuthenga amagalelo kwezo nyanga zili-10.
There are some months when you buy stocks at a high price (fewer shares purchased), and the next month you buy stocks at a low price (more shares purchased)... But in the end, you will definitely benefit because you can buy it at an average price.
Ukunciphisa Iimvakalelo, Ukwandisa Ukuhambelana
When investing in this form, you can separate emotional factors from investment decisions. You don't need to have a headache thinking: "The market is falling, prices are low, should I buy more?" "What if you buy while it's going up, then tomorrow the price goes down?"...When you invest periodically, you will invest regularly no matter what the price is.
Utyalo-mali olufikelelekayo, oluSebenza ngexesha elifanelekileyo kumntu wonke
You don't need a lot of money or too much time to invest in SIP. As long as you have a stable cash flow, you can invest in this form. You also don't need to spend too much time every day observing the market, or thinking twice about buying and selling. Therefore, this is a form of investment suitable for the majority.
Uqala njani ukutyala imali kwi-SIP yabaQalayo
Ungaqala njani ukutyala imali kwi-SIP? La manyathelo asisiseko abonisa iinjongo kunye neziphumo zokwenyani ngokuxhomekeke kutshintsho lwemarike kunye neemeko zomntu ngamnye. Beka phambili uphando olubanzi kwaye ucinge ngokufuna iingcebiso kwingcali yezemali ngaphambi kokuba wenze izigqibo zotyalo-mali.
Uqala njani ukutyala imali kwi-SIP yabaQalayoKhetha iNgxowa-mali yeSalathiso se-SIP
- Icebiso: Qala uhambo lwakho lotyalo-mali ngokujonga imali yesalathiso se-SIP ehambelana neenjongo zakho zemali. Khetha imali edityaniswe nezalathisi ezithembekileyo ezifana ne-S&P 500.
- umzekelo: You might select Vanguard's S&P 500 Index Fund for its robust performance tracking the S&P 500.
- Isiphumo Esinokubakho: Olu khetho lubonelela ngokutyhileka kwipotifoliyo eyohlukeneyo yee-stocks eziphambili zase-US, ukubeka isiseko sokukhula okunokwenzeka.
Vavanya iiNjongo zakho zoTyalo-mali kunye noNyamezelo loMngcipheko
- Icebiso: Vavanya iinjongo zakho zemali kunye nentuthuzelo yomngcipheko. Qinisekisa ukuba uthembele ekukhuleni kwexesha elide okanye ukhetha isicwangciso esilumkileyo.
- umzekelo: If your aim is sustained growth with moderate risk, consider Vanguard's S&P 500 Index Fund as it aligns with this risk profile.
- Isiphumo Esinokubakho: Ukulungelelanisa ukhetho lwakho lwengxowa-mali kunye nokunyamezela kwakho umngcipheko kuphucula ukukwazi kwakho ukuguquguquka kweemarike zemozulu.
Qalisa iAkhawunti yoRhwebo kunye nokuPhumeza iiMfuno ze-KYC
- Icebiso: Qalisa uhambo lwakho lotyalo-mali ngokuseka i-akhawunti ye-brokerage eneqonga elithembekileyo elifana noCharles Schwab okanye uFidelity. Gqibezela iimfuno ezibalulekileyo zoKwazi uMthengi Wakho (KYC).
- umzekelo: Vula i-akhawunti kunye noCharles Schwab, ungenise isazisi esiyimfuneko kunye nobungqina bedilesi yenkqubo ye-KYC.
- Isiphumo Esinokubakho: Ukuyilwa kwe-akhawunti okuyimpumelelo kukuvumela ukuba ufikelele ekubeni uqalise ukutyala imali kwingxowa-mali oyikhethileyo yesalathiso se-SIP.
Ukuseka iminikelo ye-SIP ezenzekelayo
- Icebiso: Misela iqonga lotyalo-mali olungaguqukiyo ngokumisela umnikelo wenyanga (umzekelo, i-$ 200) kwaye ulungiselele ukudluliselwa okuzenzekelayo nge-akhawunti yakho ye-brokerage.
- umzekelo: Automate a monthly investment of $200 into Vanguard's S&P 500 Index Fund.
- Isiphumo Esinokubakho: Amagalelo azenzekelayo asebenzisa amandla okudibanisa, ukukhuthaza ukukhula okunokwenzeka kwexesha elide.
Hlaziya rhoqo kwaye uhlengahlengise njengoko kufuneka
- Icebiso: Stay actively engaged by regularly reviewing your SIP index fund's performance, and making adjustments when necessary.
- umzekelo: Yenza uhlolo lwekota, lungisa isixa sakho se-SIP, okanye ujonge ezinye iimali ezisekelwe kwiimeko zemarike.
- Isiphumo Esinokubakho: Uphononongo lwamaxesha ngamaxesha luxhobisa ukuba wenze izigqibo ezizizo, uziqhelanise neentsingiselo zentengiso, kwaye uhlale ulungelelaniswe neenjongo zakho zemali.
Okukwintsusa
Ngaba uyayifumana indlela yokuqalisa ukutyala imali kwi-SIP ngoku? UCwangciso loTyalo-mali oluCwangcisiweyo (i-SIP) alukho nje isicwangciso sotyalo-mali kodwa kunye nendlela edibanisa ukulula kunye nokukhula kwihlabathi lezemali. Ukukwazi kwayo ukwenza i-avareji yamaxabiso engeniso nge-avareji yeedola, ukunciphisa ukungazinzi kweemvakalelo, kunye nokubonelela ngendlela yotyalo-mali elungelelanisiweyo, eyonga ixesha kumntu wonke iyenza ibe lukhetho olubalaseleyo.
Ngaphaya koko, i-SIP yifilosofi ekhokelayo eyenza lula ukuntsonkotha kwaye ikhuthaze uqeqesho, ulwazi, kunye nokunceda abo bafuna ukonyusa imali yabo.
💡Want to make engaging workshops or training about "How to start investing in SIP", check out IAhaSlides ngoku nangoku! Sisixhobo esimangalisayo kubo bobabini abantu kunye namashishini afuna yonke-in-one isoftware yokubonisa ebandakanya imixholo etyebileyo, ukuvota okubukhoma, imibuzo, izinto ezisekelwe kwigamified.
Imibuzo ebuzwa qho
Yeyiphi i-SIP elungileyo ukuqala?
Le ndlela yotyalo-mali ifanelekile kuphela kwiimveliso zemali ezinokuthengwa ngamaqhekeza, umzekelo, amasheya, igolide, ukugcinwa, i-cryptocurrencies, njl. Ngokusisiseko, ukuba utyalo-mali lwexesha elide, ixabiso le-asethi liya kwanda ngokuqinisekileyo ngexesha. Kwiinyanga zokuqala kunye neminyaka, ngenxa yokuba i-capital yotyalo-mali iyonke isencinci, unokwamkela imingcipheko ephezulu kunye nenzuzo ekuguquguqukeni okukhulu kweemarike.
Ingakanani imali efanelekileyo kumntu oqalayo ukutyala imali kwi-SIP?
Ukuba utyala imali eyi-$5,000 kwi-SIP, isixa-mali siya kuhanjiswa kwingxowa-mali edibeneyo ekhethiweyo ngezavenge rhoqo. Umzekelo, nge-SIP yenyanga, i-$5,000 yakho ingatyalwa njenge-$500 ngenyanga kwiinyanga ezilishumi. Ukuhambelana kubaluleke kakhulu kunexabiso lokuqala, kwaye unokuhlala ulungelelanisa njengoko imeko yakho yezemali iphucula. Ukubeka iliso rhoqo kuqinisekisa ukuba utyalo-mali lwakho luhambelana neenjongo zakho kunye neemeko zemarike.
Ndingaqala njani kwi-SIP?
How to start investing in SIP? The necessary condition for you to be able to invest periodically is to have a stable cash flow. The monthly amount of money you set aside for investment needs to be completely separated from other life needs, including urgent needs such as health risks, and unemployment risks... Periodic investments continuously, that is, the investment is unlimited in time.
Ngoko ke, kufuneka ulungele ngengqondo ukuba olu lutyalo-mali lwexesha elide, olunokuhlala iminyaka elishumi. Ingcebiso encinci apha yeyokuba ngaphambi kokuba uqalise ukutyala imali, kufuneka uzakhele ingxowa-mali kaxakeka. Le yimali yokukunceda ukuba ujongane neemeko ezingxamisekileyo ebomini.
Ref: Ibhanki ye-HDFC | Times of India
tags: Utyalo
