Ungaqala Kanjani Ukutshala Imali Emakethe Yamasheya? Ukutshala imali kuyindlela yawo wonke umuntu ukuze afinyelele izinjongo zakhe zezimali zesikhathi eside. Kungakhathaliseki ukuthi uphupha ngokuthatha umhlalaphansi onethezekile, uxhase ngezimali imfundo yengane yakho, noma ulondolozele umcimbi omkhulu wempilo, ukutshala imali emakethe yamasheya kungaba ithuluzi elinamandla.
Uma uke wazibuza ukuthi abantu bakhulisa kanjani ingcebo yabo ngokuhamba kwesikhathi noma ukuthi bangayenza kanjani imali yakho ikusebenzele, usendaweni efanele. Kulesi sihloko, sizodalula izimfihlakalo zemakethe yamasheya futhi sikunikeze izinyathelo ezingokoqobo zokuqalisa uhambo lwakho lokutshala imali.
Okuqukethwe:
- Ukuqonda Izisekelo Zokutshalwa Kwezimali Ezimakethe
- Ukubaluleka Kokubeka Imigomo Yezezimali
- Ukukhetha Isu Lokutshala Elilungile Nezibonelo
- Ungaqala Kanjani Ukutshala Imali Emakethe Yamasheya
- Izitoreji Eziyinhloko
- imibuzo ejwayelekile ukubuzwa
Ukuqonda Izisekelo Zokutshalwa Kwezimali Ezimakethe
Ungaqala kanjani ukutshala imali emakethe yamasheya yabaqalayo? Kuqala ngokubamba izinto eziyisisekelo zokutshalwa kwezimali ezimakethe zamasheya. Kufana nokufunda ama-ABC enkundla yokudlala imali. Kule ndawo, ebizwa ngokuthi imakethe yamasheya, abantu bathenga futhi badayise amasheya, afana nezingcezu ezincane zezinkampani. Akuwona nje umdlalo wabantu abacebile; kuyindlela yanoma ubani ukonga imali yezinto ezinkulu ezifana umhlalaphansi noma imfundo. Kucabange njengengadi lapho imali yakho ingakhula ngokushesha kunokuba uyigcine endaweni evamile yokonga.
Manje, ake sikhulume ngamagama abalulekile. Izinkomba zemakethe, njenge-S&P 500, zifana namabhodi wamaphuzu abonisa ukuthi izinkampani ezinkulu zenza kanjani. Bese kuba nezabelo, ezifana nezipho ezincane ezinye izinkampani ezikunikeza zona ngokuba umngane wazo nokuba namasheya azo.
Futhi, kukhona into ebizwa nge-capital gains, okufana nokwenza imali eyengeziwe uma uthengisa isheya ngaphezu kwalokho oyikhokhele. Ukuqonda lezi zinto kufana nokuba nebalazwe lamagugu—kuyakusiza zibekele imigomo, nquma ukuthi ingakanani ingozi ovumelana nayo, bese ukhetha uhlelo olufanele lokukhulisa imali yakho. Kufana nemephu yomgwaqo ukuze ukwenze umhloli oqinisekayo emhlabeni wezimakethe zamasheya.
Ukubaluleka Kokubeka Imigomo Yezezimali
Ukuqala uhambo lwakho lwemakethe yamasheya kuncike ekuchazeni imigomo ecacile yezezimali kanye nokuqonda ukubekezelela kwakho ubungozi. Le migomo isebenza njengemephu yomgwaqo namabhentshimakhi, kuyilapho ukuqwashisa ngengozi kuqondisa uhlelo lwakho lokutshala imali. Masizulazule ezintweni ezibalulekile zemigomo yezezimali kanye nokuqonda ubungozi bokuchuma kwesikhathi eside ezimakethe zamasheya.
Ukuchaza Imigomo Yezezimali
Ekuqaleni kohambo lwakho lwemakethe yamasheya, kubalulekile ukuchaza imigomo yakho yezezimali. Ukuchaza lezi zinhloso ngokusobala kusebenza njengesisekelo sesu lakho lokutshala imali, akunikezeli nje umuzwa wesiqondiso kodwa futhi kusebenza njengezilinganiso zokuthi linganisa intuthuko yakho nempumelelo endleleni.
Qonda Ukubekezelela Ingozi
Ukuqonda ukubekezelela kwakho ubungozi kuyisici esibalulekile sokwenza uhlelo lokutshala imali oluhambisana nezimo zakho. Ikhono lokwamukela ubungozi limane liqondwe njengokubi kakhulu lapho imakethe iguquguquka futhi ngeshwa ulahlekelwa yiyo yonke imali oyitshalile, impilo yomndeni wakho yansuku zonke ngeke iphazamiseke.
Isibonelo, abatshalizimali abancane bavame ukubekezelela ingozi ephezulu ngenxa yokuthi banesikhathi esiningi sokululama ekwehleni kwemakethe.
Ukushaya Ibhalansi Ukuze Uphumelele
Njengoba uqala uhambo lwakho lokutshala izimali, ukuthola ibhalansi efanele phakathi kwengozi nomvuzo kubalulekile. Ukutshalwa kwezimali okunembuyiselo ephezulu ngokuvamile kuza nengcuphe eyandayo, kuyilapho izinketho ezilandelanayo zinikeza ukuzinza kodwa izinzuzo ezincane.
Ukuthola ukulingana okulungile okuhambisana nezinjongo zakho zezezimali kanye nezinga lokunethezeka kuyisihluthulelo sokuthuthukisa isu lokutshalwa kwezimali eliyimpumelelo neliqhubekayo. Ukuqonda nokuchaza izinhloso zakho, ukuhlola ukubekezelela ubungozi, kanye nokuthola ibhalansi efanele kuyizici ezibalulekile impumelelo yesikhathi eside.
Ukukhetha Isu Lokutshala Elilungile Nezibonelo
Amasu okutshala izimali amapulani aqondisa izinqumo zakho emakethe yamasheya. Basiza ukuvumelanisa ukutshalwa kwezimali kwakho nemigomo yakho yezezimali kanye nokubekezelela ubungozi.
Ngokuhlola lezi zibonelo zomhlaba wangempela, abatshalizimali bangathola imininingwane esebenzayo yokuthi kanjani amasu ahlukene zingasetshenziswa uma zinquma ukutshala isitoko endaweni eguquguqukayo yemakethe yamasheya.
Isikhathi Eside vs. Amaqhinga Wesikhathi Esifushane
- Isu Lesikhathi Eside: Cabangela isu labantu abakhetha ukutshala isitoko ezinkampanini ezithembekile ezikhokha izabelo ezifana noJohnson & Johnson. Ngokubambelela kulezi zitoko isikhathi eside, abatshalizimali bahlose ukuzuza kukho kokubili ukwazisa kwezimali kanye nendlela engenayo eqhubekayo.
- Isu Lesikhathi Esifushane: Ngakolunye uhlangothi, abanye abatshalizimali bakhetha ukutshala imali ngesitoko emikhakheni eguquguqukayo njenge ubuchwepheshe, sisebenzisa amathrendi emakethe yesikhashana. Isibonelo, amasheya okuhweba ezinkampani zobuchwepheshe ezikhula ngokusezingeni eliphezulu ngokusekelwe njalo ngekota imibiko yokusebenza.
Value and Growth Investment
- Ukutshala Inani: Abatshalizimali abaziwayo abafana no-Warren Buffett bavame ukutshala isitoko ezinkampanini ezingabalulekile ezinezisekelo eziqinile. Isibonelo kungaba ukutshalwa kwezimali kuka-Buffett ku-Coca-Cola, inkampani eyayinganakwa ngesikhathi etshala imali okokuqala, kodwa enamandla okukhula aqinile.
- Ukukhula Kwezimali: Ngokuphambene, abatshalizimali abakhulayo bangakhetha ukutshala isitoko izinkampani ezikhula kahle njengoTesla. Naphezu kokulinganisa okuphezulu kwesitoko, isu wukuzuza ekukhuleni kwenkampani okulindelwe esikhathini esizayo.
diversification
Abatshalizimali be-Savvy bayakuqonda ukubaluleka kokuhlukanisa ukuthi batshala kanjani isitoko. Bangase bahlukanise imikhakha yonke, "ukutshala imali" kwezobuchwepheshe (isb., i-Apple), ukunakekelwa kwezempilo (isb., i-Pfizer), namandla (isb, i-ExxonMobil). Ukuhlukahluka kuyasiza nciphisa ingozi, iqinisekisa ukuthi ukusebenza kwesitoko esisodwa akuthinti ngokweqile iphothifoliyo yonke.
Ukuqondanisa Isu Nezinjongo Zomuntu Siqu
Cabangela umtshali-zimali ofuna ukutshala imali esitokweni sesikhwama semfundo yengane yakhe. Bangase baqondanise isu labo ngokutshala isitoko kwinhlanganisela yezinkampani ezigxile ekukhuleni ezifana ne-Google ukuze bathole izinzuzo zesikhathi eside ezingaba khona kanye nezitoko ezikhokha izabelo eziqinile njengeMicrosoft ukuze bathole imali engenayo engashintshi ukuze kuxhaswe izindleko zemfundo.
Ungaqala Kanjani Ukutshala Imali Emakethe Yamasheya
Ungaqala kanjani ukutshala imali emakethe yamasheya yabaqalayo? Ngokuhlanganisa ukukhethwa komthengisi wamasheya onokwethenjelwa noma inkundla yokutshalwa kwezimali namasu aqhubekayo okuqapha nokulungiswa, udala indlela ebanzi yokutshala isitoko ehambisana nemigomo yakho yezezimali futhi evumelana nezimo zemakethe ezishintshayo.
Ukukhetha I-Stock Broker Ethembekile
Ungaqala Kanjani Ukutshala Imali Emakethe Yezitoko Isinyathelo 1: Ukutshala imali esitokweni kudinga isisekelo esiqinile, kuqala ngokukhethwa komdayisi othembekile noma inkundla yokutshala imali. Cabangela izinkundla ezimiswe kahle ezifana ne-Robinhood noma i-Skilling, i-Vanguard,... ezaziwa ngokusebenzelana kwazo okusebenziseka kalula, izinkokhelo eziphansi, nokuhlanganisa konke. ezemfundo izinsiza. Ngaphambi kokwenza isinqumo, hlola izici ezifana nezindleko zomsebenzi, izinkokhelo ze-akhawunti, nebanga lezinketho zokutshala izimali ezinikezwayo.
Ukucwaninga Nokukhetha Amasheya
Ungaqala Kanjani Ukutshala Imali Emakethe Yezitoko Isinyathelo 2: Njengoba i-akhawunti yakho isimisiwe, yisikhathi "sokutshala isitoko." Sebenzisa amathuluzi ocwaningo anikezwe inkundla oyikhethile. Isibonelo, izinkundla ezifana ne-Robinhood noma i-Interactive Brokers zinikeza ukuhlaziya okuningiliziwe, izikrini zesitoko, kanye nedatha yemakethe yesikhathi sangempela. Njengoba uzulazula, gcina imigomo yakho yokutshala imali engqondweni, ukhethe izitoko ezihambisana namasu akho, noma ngabe ukukhula, inani, noma kugxilwe emalini engenayo.
Ukuqapha Iphothifoliyo Yakho Yokutshalwa Kwezimali
Ungaqala Kanjani Ukutshala Imali Emakethe Yamasheya Isinyathelo sesi-3: Uma usutshale imali esitokweni, ukuqapha okuvamile kubalulekile. Amapulatifomu amaningi ahlinzeka ngezici zokulandelela iphothifoliyo. Ngokwesibonelo, i-Merrill Edge inikeza ideshibhodi esebenziseka kalula ebonisa ukusebenza kwephothifoliyo yakho, imininingwane yesitoko ngasinye, kanye nokwabiwa kwempahla iyonke. Ukuhlola njalo lawa mamethrikhi kukugcina unolwazi mayelana nokuthi utshalomali lwakho lusebenza kanjani.
Ukulungisa Iphothifoliyo Yakho Njengoba Kudingeka
Ungaqala Kanjani Ukutshala Imali Emakethe Yezitoko Isinyathelo 4: Izimo zemakethe nezimo zomuntu siqu ziyashintsha, zidinga ukulungiswa ngezikhathi ezithile kuphothifoliyo yakho. Uma isitoko singasebenzi kahle noma imigomo yakho yezezimali ishintsha, zilungiselele ukulungisa ukutshalwa kwezimali kwakho kwesitoko. Cabangela ukulinganisa kabusha iphothifoliyo yakho noma ukwaba kabusha izimpahla ukuze uqinisekise ukuthi zihambisana nezinjongo zakho zamanje.
Izitoreji Eziyinhloko
Sengiphetha, ukutshala imali ezimakethe zamasheya akukhona nje ukuthengiselana ngezezimali; kuwumzamo wamasu wokwakha ingcebo. Ngokuqonda izinto eziyisisekelo, ukubeka imigomo ecacile, nokukhetha isu lokutshala izimali elilungile kanye nenkundla, uzibeka njengomhloli wamazwe ozethembayo endaweni ebanzi nehlala ishintsha yamathuba ezimakethe zamasheya.
💡Uma ufuna izindlela ezintsha zokuletha ukuqeqeshwa okuphoqayo kokuthi ungaqala kanjani ukutshala imali emakethe yamasheya, AhaSlides iyi-investment enkulu. Lokhu ithuluzi lesethulo esisebenzisanayo inakho konke okudingayo ukuze ubambe izethameli ekuqaleni kokuyibona futhi wenze noma iyiphi ama-workshops nokuqeqeshwa ngempumelelo.
imibuzo ejwayelekile ukubuzwa
Ngingaluqala kanjani uhambo lwami lokutshala imali ezimakethe zamasheya njengesiqalo?
Qala ngokufunda okuyisisekelo kwezitoko, amabhondi, namasu okutshala imali ngokusebenzisa izinsiza eziku-inthanethi ezilungele abasaqalayo nezincwadi. Chaza izinhloso zakho, njengokulondolozela ikhaya noma umhlalaphansi, ukuze uqondise izinqumo zakho zokutshala imali. Qonda izinga lakho lokunethezeka ngokushintshashintsha kwezimakethe ukuze ulungise indlela yakho yokutshala imali ngendlela efanele.
Qala ngenani elihambisana nesabelomali sakho futhi kancane kancane wandise utshalomali lwakho ngokuhamba kwesikhathi.
Ingakanani imali efanele umuntu oqalayo ukuyitshala emakethe yamasheya?
Qala ngenani ozizwa ukhululekile ngawe. Amapulatifomu amaningi avumela ukutshalwa kwezimali okuncane, ngakho qala ngemali elingana namandla akho ezezimali. Isici esibalulekile ukuqalisa uhambo lokutshala izimali, ngisho noma isamba sokuqala sisincane, futhi sinikela ngokungaguquki ngokuhamba kwesikhathi.
Ngisiqala kanjani isitoko ngo-$100?
Ukuqala uhambo lwakho lwemakethe yesitoko ngo-$100 kungenzeka futhi kuwukuhlakanipha. Zifundise ngezinto eziyisisekelo, zibekele imigomo ecacile, bese ukhetha i-brokerage enemali ephansi. Cabangela amasheya ama-fractional kanye nama-ETF ukuze uthole ukuhlukahluka. Qala ngezitoko ze-blue-chip futhi unikele ngokungaguquki. Faka kabusha izabelo ukuze ukhule, uqaphe ukutshalwa kwezimali kwakho, futhi uzijwayeze ukubekezela. Ngisho nangemali encane, le ndlela yokuqondisa izigwegwe yenza isisekelo sokukhula kwezimali kwesikhathi eside.
Ref: Forbes | Investopedia
