Ukuqala njani ukutyala imali kwiMarike yeStock? Utyalo-mali yindlela yokuba nabani na ukufikelela kwiinjongo zabo zezimali zexesha elide. Nokuba uphupha ngokuthatha umhlala-phantsi obutofotofo, uxhase ngemali imfundo yomntwana wakho, okanye ulondolozele umcimbi omkhulu wobomi, ukutyala imali kwimarike yemasheya kunokuba sisixhobo esinamandla.
Ukuba ukhe wazibuza ukuba abantu bakhula njani ubutyebi babo ekuhambeni kwexesha okanye indlela yokwenza imali yakho ikusebenzele, ukwindawo elungileyo. Kweli nqaku, siza kutyhila iimfihlakalo zemarike yemasheya kwaye sikubonelele ngamanyathelo asebenzayo okuqalisa uhambo lwakho lotyalo-mali.
Isiqulatho:
- Ukuqonda iSiseko soTyalo-mali kwiMarike yeStock
- Ukubaluleka kokuMisela iiNjongo zemali
- Ukukhetha iSicwangciso esiLungileyo soTyalo-mali kunye neMizekeliso
- Ungaluqala njani uTyalo-mali kwiMarike yeStock
- IItrakthi ezibalulekileyo
- Imibuzo ebuzwa qho
Ukuqonda iSiseko soTyalo-mali kwiMarike yeStock
Uqala njani ukutyala imali kwimarike yemasheya kubaqalayo? Iqala ngokubamba iziseko zotyalo-mali kwimarike yemasheya. Kufana nokufunda ii-ABC zendawo yokudlala imali. Kule ndawo, ebizwa ngokuba yi-stock market, abantu bathenga kwaye bathengise izabelo, ezifana neenkampani ezincinci. Ayingomdlalo nje wabantu abazizityebi; yindlela yokuba nabani na onge imali kwizinto ezinkulu ezifana umhlalaphantsi okanye imfundo. Yicinge njengegadi apho imali yakho inokukhula ngokukhawuleza kunokuba uyigcine kwindawo eqhelekileyo yokonga.
Ngoku, makhe sithethe ngamagama abalulekileyo. Izalathisi zentengiso, njenge-S&P 500, zifana neebhodi zamanqaku ezibonisa indlela iinkampani ezinkulu ezenza ngayo. Emva koko kukho izabelo, ezifana nezipho ezincinci ezinye iinkampani ezikunika zona ngokuba ngumhlobo wazo nokuba nezabelo zazo.
Ngaphezu koko, kukho into ebizwa ngokuba yi-capital gains, efana nokwenza imali eyongezelelweyo xa uthengisa isabelo ngaphezu kokuba usihlawulele. Ukuqonda ezi zinto kufana nokuba nemephu yobuncwane—kuyakunceda misela iinjongo, thatha isigqibo sokuba ungakanani umngcipheko okulungeleyo, kwaye ukhethe isicwangciso esifanelekileyo sokukhulisa imali yakho. Kufana nemephu yendlela yokwenza umkhenkethi ozithembileyo kwihlabathi leentengiso zentengiso yemasheya.
Ukubaluleka kokuMisela iiNjongo zemali
Ukuqala uhambo lwakho lwemarike yemasheya kuxhomekeke ekuchazeni iinjongo ezicacileyo zemali kunye nokuqonda ukunyamezela kwakho umngcipheko. Ezi njongo zisebenza njengemephu yendlela kunye nebenchmarks, ngelixa ulwazi ngomngcipheko lukhokela isicwangciso sakho sotyalo-mali. Makhe sijonge izinto ezibalulekileyo kwiinjongo zemali kunye nokuqonda umngcipheko kwimpumelelo yexesha elide kwimarike yemasheya.
Ukuchaza iinjongo zemali
Ekuqaleni kohambo lwakho lwemarike yemasheya, kubalulekile ukuchaza iinjongo zakho zemali. Ukucacisa ngokucacileyo ezi njongo kusebenza njengesiseko sesicwangciso sakho sotyalo-mali, ukubonelela kungekuphela nje imvakalelo yolwalathiso kodwa kusebenza njengemilinganiselo Linganisa inkqubela yakho kunye nempumelelo endleleni.
Qonda Ukunyamezelwa koMngcipheko
Ukuqonda ukunyamezela kwakho umngcipheko ngumba obalulekileyo wokwenza isicwangciso sotyalo-mali esilungiselelwe iimeko zakho zobuqu. Ukukwazi ukwamkela umngcipheko kuqondwa ngokulula njengeyona meko imbi kakhulu xa imarike iguquguquka kwaye ngelishwa uphulukane nayo yonke imali yakho yotyalo-mali, ubomi bemihla ngemihla bosapho lwakho abuyi kuchaphazeleka.
Ngokomzekelo, abatyali-zimali abancinci bahlala benokunyamezela umngcipheko ophezulu ngenxa yokuba banexesha elingakumbi lokubuyela ekuhlahleni kweemarike.
Ukubeka Ulungelelwano Ukuze Uphumelele
Njengoko uqalisa uhambo lwakho lotyalo-mali, ukubeka ibhalansi elungileyo phakathi komngcipheko kunye nomvuzo yeyona nto ibalulekileyo. Utyalo-mali olunembuyekezo ephezulu ludla ngokuza nomngcipheko owongeziweyo, ngelixa ukhetho oluninzi lunika uzinzo kodwa imbuyekezo ephantsi.
Ukufumana ulungelelwaniso oluchanekileyo oluhambelana neenjongo zakho zemali kunye nenqanaba lokuthuthuzela kubalulekile ekuphuhliseni isicwangciso sotyalo-mali esiyimpumelelo nesizinzileyo. Ukuqonda kunye nokucacisa iinjongo zakho, ukuvavanya ukunyamezela umngcipheko, kunye nokubetha ibhalansi elungileyo zizinto ezisisiseko zokuphumelela. impumelelo yexesha elide.
Ukukhetha iSicwangciso esiLungileyo soTyalo-mali kunye neMizekeliso
Izicwangciso zotyalo-mali ziyizicwangciso ezikhokela izigqibo zakho kwimarike yemasheya. Banceda ukulungelelanisa utyalo-mali lwakho kunye neenjongo zakho zemali kunye nokunyamezela umngcipheko.
Ngokuphonononga le mizekelo yehlabathi lokwenyani, abatyali-mali banokufumana ulwazi olusebenzayo malunga nokuba njani izicwangciso ezahlukeneyo ingasetyenziswa xa bethatha isigqibo sokutyala isitokhwe kwindawo eguqukayo yemarike yemasheya.
Ixesha elide vs. Ubuchule bexesha elifutshane
- Isicwangciso sexesha elide: Qwalasela isicwangciso sabantu abakhetha ukutyala isitokhwe kwiinkampani ezithembekileyo ezihlawula izabelo ezifana noJohnson & Johnson. Ngokubambelela kwezi zitokhwe ixesha elongeziweyo, abatyali-mali bajolise ekuzuzeni kuzo zombini iimali zokuxabisa imali kunye nokuphuma kwengeniso ezinzileyo.
- Isicwangciso sexesha elifutshane: Kwi-flip side, abanye abatyali-mali bakhetha ukutyala imali ngokusebenzayo kumacandelo aguqukayo afana iteknoloji, ukwenza imali kwiindlela zemarike zexesha elifutshane. Ngokomzekelo, izabelo zokurhweba zeenkampani eziphezulu zeteknoloji ezisekelwe kwikota iingxelo zokusebenza.
Ixabiso kunye noTyalo-mali lokuKhula
- Ukutyala ixabiso: Abatyali-mali abanjengoWarren Buffett bahlala betyala isitokhwe kwiinkampani ezingaxatyiswanga kunye neziseko ezinamandla. Umzekelo unokuba lutyalo-mali lukaBuffett kwi-Coca-Cola, inkampani eyayingaxabisekanga xa wayeqala ukutyala imali, kodwa enokukhula okuqinileyo.
- Utyalo mali: Ngokuchaseneyo, abatyali-zimali abakhulayo banokukhetha ukutyala isitokhwe kuyo iinkampani zokukhula okuphezulu njengoTesla. Ngaphandle kokuba isitokhwe sixabisa kakhulu, isicwangciso-qhinga kukuzuza kukukhula okulindelwe yinkampani kwixesha elizayo.
ukohlulwa
Abatyali-zimali be-Savvy bayakuqonda ukubaluleka kokutshintsha indlela abatyala ngayo isitokhwe. Basenokwahluka kuwo onke amacandelo, “istokhwe sotyalo-mali” kubuchwephesha (umzekelo, iApple), ukhathalelo lwempilo (umzekelo, iPfizer), kunye namandla (umz., ExxonMobil). Ukwahluka kuyanceda ukunciphisa umngcipheko, eqinisekisa ukuba ukusebenza kwesitokhwe esinye akuchaphazeli ngokugqithisileyo ipotifoliyo iyonke.
Ukulungelelanisa iQhinga kunye neenjongo zoBuqu
Cinga ngomtyali-mali ojonge ukutyala imali kwisitokhwe kwingxowa-mali yemfundo yomntwana wakhe. Basenokulungelelanisa isicwangciso sabo ngokwenza utyalo-mali lwesitokhwe kumxube weenkampani ezijolise ekukhuleni ezifana neGoogle ukuze bafumane iinzuzo zexesha elide kunye nezabelo ezihlawula izabelo ezizinzileyo ezifana neMicrosoft ukuze bafumane umvuzo ongaguqukiyo wokuxhasa iindleko zemfundo.
Ungaluqala njani uTyalo-mali kwiMarike yeStock
Uqala njani ukutyala imali kwimarike yemasheya kubaqalayo? Ngokudibanisa ukukhethwa kwe-stock broker ethembekileyo okanye iqonga lotyalo-mali kunye nezicwangciso eziqhubekayo zokubeka iliso kunye nohlengahlengiso, udala indlela ebanzi yokutshala imali ehambelana neenjongo zakho zemali kunye nokulungelelaniswa nokutshintsha kweemeko zemarike.
Ukukhetha i-Stock Broker ethembekileyo
Indlela Yokuqala Ukutshala imali kwi-Stock Market Inyathelo loku-1: Utyalo-mali kwii-stocks lufuna isiseko esiluqilima, ngokuqala ngokukhethwa kwe-stock broker ethembekileyo okanye iqonga lotyalo-mali. Qwalasela amaqonga amiswe kakuhle anje ngeRobinhood okanye iSkilling, iVanguard,… aziwa ngonxibelelwano olusebenziseka lula, imirhumo ephantsi, kunye nokubanzi. zemfundo izixhobo. Phambi kokuba wenze isigqibo, hlalutya izinto ezifana neendleko zentengiselwano, iimali zeakhawunti, kunye noluhlu lweendlela zotyalo-mali ezibonelelwayo.
UPhando kunye nokuKhetha izabelo
Ukuqala njani ukutyala imali kwiMarike yeStokhwe iNyathelo 2: Ngokusetwa kweakhawunti yakho, lixesha lokuba “utyale isitokhwe.” Sebenzisa izixhobo zophando ezibonelelwa liqonga olikhethileyo. Ngokomzekelo, iiplatifomu ezifana neRobinhood okanye i-Interactive Brokers zinika uhlalutyo olucacileyo, i-stock screeners, kunye nedatha yemakethe yexesha langempela. Njengoko uhamba, gcina iinjongo zakho zotyalo-mali engqondweni, ukhethe izitokhwe ezihambelana nesicwangciso sakho, nokuba kukukhula, ixabiso, okanye ugxininiso lwengeniso.
Ukubeka iliso kwiPotfoliyo yakho yoTyalo-mali
Ukuqala njani ukutyala imali kwiMarike yeStokhwe iNyathelo lesi-3: Nje ukuba utyale imali kwisitokhwe, ukujonga rhoqo kubalulekile. Uninzi lwamaqonga lubonelela ngeempawu zokulandela umkhondo wepotfoliyo. Umzekelo, iMerrill Edge ibonelela ngedeshibhodi esebenziseka lula ebonisa ukusebenza kwepotifoliyo yakho, iinkcukacha zesitokhwe somntu ngamnye, kunye nokwabiwa kwe-asethi iyonke. Ukujonga ezi metrics rhoqo kukugcina unolwazi malunga nendlela utyalo-mali lwakho oluqhuba ngayo.
Ukulungelelanisa iPotfoliyo yakho njengoko ifuneka
Uluqala njani uTyalo-mali kwiMarike yeStokhwe iNyathelo 4: Iimeko zentengiso kunye neemeko zomntu ziyaguquka, zifuna uhlengahlengiso lwamaxesha ngamaxesha kwipotifoliyo yakho. Ukuba isitokhwe asisebenzi kakuhle okanye iinjongo zakho zemali ziyatshintsha, zilungiselele ukulungisa utyalo-mali lwakho. Cinga ngokuhlengahlengisa ipotifoliyo yakho okanye ukwabe ngokutsha ii-asethi ukuqinisekisa ukuba ziyahambelana neenjongo zakho zangoku.
IItrakthi ezibalulekileyo
Ukuqukumbela, utyalo-mali kwi-stock market ayikho nje intengiselwano yezemali; yinzame yeqhinga lokudala ubutyebi. Ngokuqonda izinto ezisisiseko, ukubeka iinjongo ezicacileyo, kunye nokukhetha isicwangciso esifanelekileyo sotyalo-mali kunye neqonga, uzibeka njengomhloli othembekileyo kwindawo enkulu kunye nehlala iguquguquka yamathuba emarike yemasheya.
💡Ukuba ujonge iindlela ezintsha zokunikezela ngoqeqesho olunyanzelisayo lokuba ungaqala njani ukutyala imali kwimarike yemasheya, IAhaSlides lutyalo-mali olukhulu. Oku isixhobo sokubonisa esisebenzisanayo unayo yonke into oyifunayo ukuze ubambe abaphulaphuli ekuqaleni kokubona kwaye wenze nayiphi na zocweyo kunye noqeqesho olusebenzayo.
Imibuzo ebuzwa qho
Ndingaluqala njani uhambo lwam kutyalo-mali lwentengiso yesitokhwe njengosaqalayo?
Qala ngokufunda iziseko zesitokhwe, iibhondi, kunye nezicwangciso zotyalo-mali ngokusebenzisa izixhobo eziluncedo kwi-intanethi kunye neencwadi. Chaza iinjongo zakho, ezinjengokugcina ikhaya okanye umhlala-phantsi, ukukhokela izigqibo zakho zotyalo-mali. Qonda inqanaba lakho lokuthuthuzela kunye nokuguquguquka kweemarike ukulungisa indlela yakho yotyalo-mali ngokufanelekileyo.
Qala ngesixa esihambelana nebhajethi yakho kwaye ngokuthe ngcembe wandise utyalo-mali lwakho ngokuhamba kwexesha.
Ingakanani imali efanelekileyo kumntu oqalayo ukuba atyale imali kwimarike yemasheya?
Qalisa ngemali oziva ukhululekile kuwe. Amaqonga amaninzi avumela utyalo-mali oluncinci, ke qala ngesixa esihambelana namandla akho emali. Umba obalulekileyo kukuqalisa uhambo lotyalo-mali, nokuba isixa sokuqala sincinci, kwaye sihlala sinegalelo ekuhambeni kwexesha.
Ndisiqala njani isitokhwe ngeedola ezili-100?
Ukuqala uhambo lwakho lwemarike yemasheya nge-100 yeedola kuyenzeka kwaye kububulumko. Zifundise kwizinto ezisisiseko, ubeke iinjongo ezicacileyo, kwaye ukhethe i-brokerage ephantsi. Qwalasela izabelo zamaqhezu kunye nee-ETF zokwahlukana. Qala ngee-stocks ze-blue-chip kwaye unikele ngokuqhubekayo. Phinda utyale izabelo ukuze ukhule, ubeke esweni utyalo-mali lwakho, kwaye uziqhelanise nomonde. Nangona isixa esincinci, le ndlela yoluleko ibeka isiseko sohlumo lwemali lwexesha elide.
Ref: Forbes | Investopedia
