Ukurhweba vs kutyalomali Yeyiphi eNgcono? Xa ufuna inzuzo kwimarike yemasheya, ngaba ukhetha ukunyuka nokuwa kwezibambiso apho unokuthenga khona okuphantsi kwaye uthengise phezulu, okanye ufuna ukubona imbuyekezo ye-compound yesitokhwe sakho ngokuhamba kwexesha? Olu khetho lubalulekile kuba luchaza uhlobo lwakho lotyalo-mali, nokuba ulandela inzuzo yexesha elide okanye elifutshane.
Isiqulatho:
- URhwebo vs notyalo-mali Yintoni Umahluko?
- Yintoni ukurhweba?
- Yintoni ukuTyala imali?
- Ukurhweba vs kutyalomali Yeyiphi engcono?
- Iingcinga Final
- Imibuzo ebuzwa qho
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URhwebo vs notyalo-mali Yintoni Umahluko?
Zombini ukuRhweba kunye noTyalo-mali yimiqathango ebalulekileyo kwimarike yemasheya. Babonisa isimbo sotyalo-mali, olujongana neethagethi ezahlukeneyo, ngokutsho nje, iinzuzo zexesha elifutshane ngokuchasene neenzuzo zexesha elide.
Yintoni ukurhweba?
Ukurhweba ngumsebenzi wokuthenga nokuthengisa ii-asethi zemali, njengezitokhwe zomntu ngamnye, ii-ETF (ibhaskithi yezitokhwe ezininzi kunye nezinye ii-asethi), iibhondi, izinto ezithengiswayo, kunye nokunye, okujonge ukwenza inzuzo yexesha elifutshane. Eyona nto ibalulekileyo kubarhwebi kukuba loluphi ulwalathiso lwesitokhwe esiza kuhamba ngokulandelayo kunye nendlela umrhwebi anokuzuza ngayo kuloo ntshukumo.
Yintoni ukuTyala imali?
Ngokuchasene noko, ukutyalomali kwimarike yemasheya kujonge ukufumana inzuzo yexesha elide, kwaye uthenge kwaye ubambe iimpahla, njengezitokhwe, izabelo, iibhondi kunye nezinye izibambiso iminyaka ukuya kumashumi eminyaka. Eyona nto ibalulekileyo kubatyali-mali yindlela enyukayo ngokuhamba kwexesha kunye nembuyekezo yemarike yemasheya, ekhokelela ekudibaneni okubonakalayo.
Ukurhweba vs kutyalomali Yeyiphi eNgcono?
Xa uthetha malunga notyalo-mali lwe-stock market, kukho izinto ezininzi onokucinga ngazo ngaphandle kokuhamba kweenzuzo
Ukurhweba - Umngcipheko ophezulu, imivuzo ephezulu
Urhwebo luhlala lubandakanya amanqanaba aphezulu omngcipheko, njengoko abarhwebi bevezwa kukuguquguquka kwexesha elifutshane lemarike. Ulawulo lomngcipheko lubalulekile, kwaye abarhwebi banokusebenzisa amandla okukhulisa imbuyekezo (eyandisa umngcipheko). Imarike yamaqamza yenzeka rhoqo kwintengiso yesitokhwe. Ngelixa amaqamza angakhokelela kwinzuzo enkulu kwabanye abatyali-mali, aphinda abeke umngcipheko omkhulu, kwaye xa egqabhuka, amaxabiso anokwehla, okukhokelela kwilahleko enkulu.
Umzekelo omhle nguJohn Paulson - Ungumphathi we-hedge fund waseMelika owenza ubutyebi ngokubheja kwimarike yezindlu yase-US ngo-2007. Ufumene i-15 yeebhiliyoni zeerandi kwingxowa-mali yakhe kunye ne-4 yeebhiliyoni zeedola kwinto eyaziwa njengolona rhwebo lubalaseleyo. Nangona kunjalo, uye wafumana ilahleko enkulu kwiminyaka elandelayo, ngakumbi kutyalo-mali lwakhe kwigolide kunye neemarike ezikhulayo.
Utyalo-mali-Ibali likaWarren Buffett
Utyalo-mali lwexesha elide ngokuqhelekileyo luthathwa njengomngcipheko omncinci kunokuthengisa. Ngelixa ixabiso lotyalo-mali lisenokuguquguquka kwixesha elifutshane, intsingiselo yembali ye-stock market iye yanyuka ixesha elide, inika iqondo lozinzo. Ihlala ibonwa njengotyalo-mali olunomvuzo osisigxina njengengeniso yesahlulo, efuna ukuvelisa imbuyekezo ezinzileyo kwiipotfoliyo zabo.
Makhe sijonge Ibali lotyalo-mali likaBuffett, Waqala xa esengumntwana, enomdla ngamanani kunye neshishini. Wathenga isitokhwe sakhe sokuqala eneminyaka eyi-11 kunye notyalo-mali lwakhe lokuqala kwi-real estate kwi-14. Indlela yotyalo-mali ka-Buffett imfumanele igama lesidlaliso elithi "I-Oracle ye-Omaha", njengoko ehlala ephumelela kwimarike kwaye wazenza yena kunye nabanini-zabelo bakhe abazizityebi. Ukwakhuthaze nabanye abatyali-mali abaninzi kunye noosomashishini ukuba balandele umzekelo wakhe kwaye bafunde kubulumko bakhe.
Kananjalo akakuhoyi ukuguquguquka kwexesha elifutshane kwaye ugxile kwixabiso elingaphakathi leshishini. Wakha wathi, “Ixabiso yinto oyihlawulayo. Ixabiso yinto oyifumanayo.” Uye wabelana ngeembono kunye neengcebiso ngeeleta zakhe zonyaka kubaninizabelo, udliwano-ndlebe lwakhe, iintetho zakhe kunye neencwadi zakhe. Ezinye zeengcaphuno zakhe ezidumileyo zezi:
- “Umthetho 1: Ungaze uphulukane nemali. Umthetho wesi-2: Ungaze uwulibale umthetho onguNombolo 1.”
- "Kungcono ukuthenga inkampani ebalaseleyo ngexabiso elifanelekileyo kunenkampani enobulungisa ngexabiso elihle."
- "Yoyika xa abanye bebawa kwaye bebawa xa abanye besaba."
- "Owona mgangatho ubalulekileyo kumtyali-mali ngumsindo, hayi ubukrelekrele."
- “Umntu uhleli emthunzini namhlanje kuba umntu watyala umthi kwakudala.”
URhwebo vs uTyalo-mali oluNgcono ekuFumaneni iiNzuzo
Ukurhweba vs kutyalomali Yeyiphi eNgcono? Ngaba ukurhweba kunzima kunotyalo-mali? Ukufuna inzuzo yindawo yokuya kubo bobabini abarhwebi kunye nabatyali-mali. Makhe sibone le mizekelo ilandelayo ukukunceda ube neembono ezingcono malunga nendlela urhwebo notyalo-mali olusebenza ngayo
Umzekelo wokurhweba: IiMpahla zokuRhweba ngeMini ngeApple Inc (AAPL)
ukuthenga: Izabelo ze-50 ze-AAPL kwi-$ 150 ngesabelo ngasinye.
Ukuthengisa: Izabelo ze-50 ze-AAPL kwi-$ 155 ngesabelo ngasinye.
Umvuzo:
- Utyalo-mali lokuqala: $ 150 x 50 = $ 7,500.
- Thengisa Iimali: $ 155 x 50 = $ 7,750.
- Inzuzo: $7,750 - $7,500 = $250 (umrhumo kunye nerhafu ayibandakanywanga)
ROI=(Iinkqubo zokuthengisa−Utyalo-mali lokuqala/Utyalo-mali lokuqala) = (7,750−7,500/7,500)×100%=3.33%. Kwakhona, Ekurhwebeni kwemini, ekuphela kwendlela yokufumana inzuzo ephezulu kukuthenga okuninzi ngexabiso eliphantsi kwaye uyithengise ngexabiso eliphezulu. Umngcipheko ophezulu, umvuzo ophezulu.
Umzekelo wotyalo-mali: Utyalo-mali kwi-Microsoft Corporation (MSFT)
Ukuthenga: Izabelo ze-20 ze-MSFT nge-200 yeedola ngesabelo ngasinye.
Ithuba lokubamba: 5 iminyaka.
Ukuthengisa: Izabelo ze-20 ze-MSFT nge-300 yeedola ngesabelo ngasinye.
Umvuzo:
- Utyalo-mali lokuqala: $ 200 x 20 = $ 4,000.
- Thengisa Iimali: $ 300 x 20 = $ 6,000.
- Inzuzo: $6,000 - $4,000 = $2,000.
ROI=(6,000−4,000/4000)×100%=50%
Imbuyekezo yoNyaka=(Imbuyekezo iyonke/Inani leMinyaka)×100%= (2500/5)×100%=400%. Kuthetha ukuba unemali encinci, utyalo-mali lukhetho olungcono.
Amathuba okuDibanisa kunye neNgeniso yoLwahlulo
URhwebo vs kutyalomali Yeyiphi eNgcono ekuDibaniseni? Ukuba ukhetha ukukhula ngokubanzi kunye nenzala ehlanganisiweyo, Ukutyala imali kwizitokhwe kunye nezabelo lukhetho olungcono. Iintlawulo zesahlulo zidla ngokuhlawulwa ngekota kwaye zongezwa ukuya kuthi ga kwi-0.5% ukuya kwi-3% yexabiso lesabelo enyakeni.
Umzekelo, masithi ufuna ukutyala i-100 yeedola ngenyanga kwisitokhwe esihlawula isahlulo sekota se-$0.25 ngesabelo ngasinye, sinexabiso lesabelo sangoku se-$50, kwaye sinesantya sokukhula kwesahlulo se-5% ngonyaka. Iingeniso ezipheleleyo emva konyaka we-1 ziya kuba malunga ne-$ 1,230.93, kwaye emva kweminyaka eyi-5, inzuzo iyonke iya kuba malunga ne-$ 3,514.61 (kuthatha i-10% yokuBuyisa ngonyaka).
Iingcinga Final
Ukurhweba vs kutyalomali Yeyiphi eNgcono? Nokuba ukhetha ntoni na, lumkela umngcipheko wemali, kunye nexabiso leshishini otyala kulo. Funda kubarhwebi abadumileyo kunye nabatyali-mali ngaphambi kokuba utyale imali yakho kwizitokhwe.
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Imibuzo ebuzwa qho
Loluphi utyalo-mali olungcono okanye ukurhweba?
Ukurhweba vs kutyalomali Yeyiphi eNgcono? Urhwebo lolwexesha elifutshane kwaye lubandakanya umngcipheko ophezulu kunotyalo-mali lwexesha elide. Zombini ezi ntlobo zifumana inzuzo, kodwa abarhwebi bahlala befumana inzuzo engakumbi xa kuthelekiswa nabatyali-mali xa besenza izigqibo ezifanelekileyo, kwaye imarike yenza ngokufanelekileyo.
Yeyiphi eyona ndlela ilungileyo yokurhweba okanye ukutyala imali?
Ukurhweba vs kutyalomali Yeyiphi eNgcono? Ukuba ufuna ukukhula ngokubanzi ngeembuyekezo ezinkulu kwixesha elongeziweyo ngokuthenga nokubamba, kuya kufuneka utyale imali. Ukurhweba, ngokuchaseneyo, kuthatha inzuzo yokunyuka kunye nokuwa kweemarike imihla ngemihla, ukungena kunye nokuphuma kwizikhundla ngokukhawuleza, kunye nokuthatha inzuzo encinci, rhoqo.
Kutheni abarhwebi abaninzi belahlekelwa yimali?
Esinye isizathu esikhulu sokuba abarhwebi baphele belahlekelwa yimali kukuba abawuphathi kakuhle umngcipheko. Ukukhusela utyalo-mali lwakho xa urhweba ngezitokhwe, kubaluleke kakhulu ukusebenzisa izixhobo ezinjengee-odolo zelahleko yokuyeka kwaye uqinisekise ukuba ubungakanani borhwebo lwakho buhambelana nokunyamezela kwakho umngcipheko. Ukuba awuwuphathi kakuhle umngcipheko, urhwebo nje olunye olubi lunokuthatha inxalenye ebalulekileyo yemivuzo yakho.
Ref: ukunyaniseka | Investopedia
