Ukuhweba vs Ukutshala Ikuphi Okungcono ngo-2024?

Ukuhweba vs Ukutshala Ikuphi Okungcono? Lapho ufuna inzuzo emakethe yamasheya, ingabe ukhetha ukukhuphuka nokuwa kwezibambiso lapho ungathenga khona okuphansi futhi udayise kakhulu, noma ufuna ukubona imbuyiselo eyinhlanganisela yesitoko sakho ngokuhamba kwesikhathi? Lokhu kukhetha kubalulekile ngoba kuchaza indlela yakho yokutshala imali, noma ngabe ulandela inzuzo yesikhathi eside noma yesikhashana.

Okuqukethwe:

• Ukuhweba Ngokuqhathanisa Nokutshala Imali Uyini Umehluko?
• Kuyini Ukuhweba?
• Kuyini Ukutshala imali?
• Ukuhweba vs Ukutshala Ikuphi okungcono?
  • Ukuhweba - Ingozi Ephakeme, Imivuzo Ephakeme
  • Ukutshala imali - Indaba kaWarren Buffett
  • Ukuhweba vs Ukutshala Okungcono Ekuzuzeni Inzuzo
  • Amathuba Wokuhlanganisa kanye Nokwehlukaniswa Kwemali Engenayo
• Imicabango Final
• imibuzo ejwayelekile ukubuzwa

Ukuhweba Ngokuqhathanisa Nokutshala Imali Uyini Umehluko?

Kokubili Ukuhweba Nokutshala izimali kuyimigomo ebalulekile emakethe yamasheya. Zikhombisa isitayela sokutshalwa kwezimali, esibhekana nezinhloso ezihlukene, uma kushiwo nje, izinzuzo zesikhathi esifushane uma ziqhathaniswa nezinzuzo zesikhathi eside.

Kuyini Ukuhweba?

Ukuhweba kuwumsebenzi wokuthenga nokudayisa izimpahla zezimali, njengezitoko ngazinye, ama-ETF (ubhasikidi wamasheya amaningi nezinye izimpahla), amabhondi, izimpahla, nokunye, okuhloswe ngakho ukwenza inzuzo yesikhashana. Okubalulekile kubahwebi ukuthi isiphi isiqondiso isitoko esizohamba ngaso ngokulandelayo nokuthi umhwebi angathola kanjani inzuzo kulokho kuthutha.

Kuyini Ukutshala imali?

Ngokuphambene nalokho, ukutshala imali emakethe yamasheya kuhloswe ukuthola inzuzo yesikhathi eside, nokuthenga nokubamba izimpahla, njengezitoko, izabelo, amabhondi, nezinye izibambiso iminyaka kuya emashumini eminyaka. Okubalulekile kubatshalizimali ukukhuphuka kokuhamba kwesikhathi kanye nembuyiselo yemakethe yamasheya, okuholela ekuhlanganisweni okubonakalayo.

Ukuhweba vs Ukutshala Ikuphi Okungcono?

Uma kukhulunywa ngokutshalwa kwezimali ezimakethe zamasheya, kunezici eziningi okufanele uzicabangele ngaphandle kokuhamba kwenzuzo

Ukuhweba - Ingozi Ephakeme, Imivuzo Ephakeme

Ukuhweba kuvame ukubandakanya amazinga aphezulu obungozi, njengoba abahwebi bechayeka ekuguquguqukeni kwesikhashana kwemakethe. Ukulawulwa kobungozi kubalulekile, futhi abahwebi bangase basebenzise amandla ukuze bakhulise imbuyiselo (okuphinde kwandise ubungozi). Imakethe yamabhamuza yenzeka kaningi ekuhwebeni kwamasheya. Nakuba amabhamuza angaholela ekuzuzeni okukhulu kwabanye abatshalizimali, aphinde abangele ubungozi obukhulu, futhi lapho eqhuma, amanani angehla, okuholela ekulahlekelweni okukhulu.

Isibonelo esihle ngu-John Paulson - Ungumphathi we-hedge fund waseMelika owazuza ingcebo ngokubheja emakethe yezindlu yase-US ngo-2007. Uthole u-$15 billion wesikhwama sakhe kanye no-$4 billion wakhe kulokho okwaziwa njengohwebo olukhulu kunawo wonke. Kodwa-ke, waphinde walahlekelwa kakhulu eminyakeni eyalandela, ikakhulukazi ekutshaleni kwakhe igolide nezimakethe ezisafufusa.

Ukutshala imali - Indaba kaWarren Buffett

Ukutshala izimali zesikhathi eside ngokuvamile kubhekwa njengengozi encane kunokuhweba. Nakuba inani lokutshalwa kwezimali lingase lishintshe esikhathini esifushane, inkambiso yomlando yemakethe yamasheya ibilokhu ikhuphuka isikhathi eside, ihlinzeka ngezinga lokuzinza. Kuvamise ukubonwa njengotshalomali lwemali engenayo egxilile njengenzuzo ye-dividend, efuna ukukhiqiza imbuyiselo eqhubekayo evela kumaphothifoliyo abo.

Ake sibheke Indaba yokutshala imali kaBuffett, Waqala esemncane, ekhangwa izinombolo namabhizinisi. Wathenga isitoko sakhe sokuqala eneminyaka engu-11 kanye nokutshala kwakhe indawo yokuqala eneminyaka engu-14. Isitayela sika-Buffett sokutshala imali simzuzele igama lesidlaliso elithi “The Oracle of Omaha”, njengoba ebelokhu edlula imakethe futhi wazenza yena nabanikazi bamasheya bakhe baceba. Ugqugquzele nabanye abatshalizimali nosomabhizinisi ukuthi balandele isibonelo sakhe futhi bafunde ekuhlakanipheni kwakhe.

Ubuye akushaye indiva ukushintshashintsha kwesikhashana futhi agxile enanini elingaphakathi lebhizinisi. Wake wathi, “Intengo yilokhu oyikhokhayo. Inani yilokho okutholayo.” Wabelane ngemibono yakhe nezeluleko ngezincwadi zakhe zaminyaka yonke eziya kubaninimasheya, izingxoxo zakhe, izinkulumo zakhe, nezincwadi zakhe. Ezinye zezingcaphuno zakhe ezidumile yilezi:

• “Umthetho 1: Ungalinge ulahlekelwe yimali. Umthetho No. 2: Ungalokothi ukhohlwe umthetho No. 1.”
• "Kungcono kakhulu ukuthenga inkampani enhle ngenani elifanele kunokuthenga inkampani efanelekile ngentengo enhle."
• "Yesaba lapho abanye behaha futhi behaha lapho abanye besaba."
• "Ikhwalithi ebaluleke kakhulu kumtshali-zimali yisimo sengqondo, hhayi ubuhlakani."
• “Umuntu uhlezi emthunzini namuhla ngoba kukhona owatshala kudala isihlahla.”

Ukuhweba vs Ukutshala Okungcono Ekuzuzeni Inzuzo

Ukuhweba vs Ukutshala Ikuphi Okungcono? Ingabe ukuhweba kunzima kunokutshala imali? Ukufuna inzuzo kuyindawo yabo bobabili abathengisi nabatshalizimali. Ake sibone izibonelo ezilandelayo ukukusiza ube nemibono engcono yokuthi ukuhweba nokutshala izimali kusebenza kanjani

Isibonelo sokuhweba: Amasheya Okuhweba Ngosuku nge-Apple Inc (AAPL)

Buying: Amasheya angu-50 we-AAPL ngo-$150 isabelo ngasinye.

Okuthengisa: Amasheya angu-50 we-AAPL ngo-$155 isabelo ngasinye.

Umholo:

• Ukutshalwa kwezimali kokuqala: $150 x 50 = $7,500.
• Thengisa Inzuzo: $155 x 50 = $7,750.
• Inzuzo: $7,750 – $7,500 = $250 (imali nentela ayifakiwe)

ROI=(Inzuzo Yokuthengisa−Ukutshalwa Kwezimali Kokuqala/Ukutshalwa Kwezimali Kokuqala) = (7,750−7,500/7,500​)×100%=3.33%. Futhi, Ngokuhweba ngosuku, okuwukuphela kwendlela yokuthola inzuzo ephezulu ukuthi uthenga okuningi ngentengo ephansi futhi ukuthengise konke ngentengo ephezulu. Ubungozi obuphezulu, imiklomelo ephezulu.

Isibonelo sokutshala imali: Ukutshalwa kwezimali ku-Microsoft Corporation (MSFT)

Ukuthenga: Izabelo ezingama-20 ze-MSFT ngo-$200 ngesheya ngalinye.

Isikhathi Sokubamba: Iminyaka engu-5.

Iyathengisa: Izabelo ezingama-20 ze-MSFT ngo-$300 ngesheya ngalinye.

Umholo:

• Ukutshalwa kwezimali kokuqala: $200 x 20 = $4,000.
• Thengisa Inzuzo: $300 x 20 = $6,000.
• Inzuzo: $6,000 - $4,000 = $2,000.

ROI=(6,000−4,000/4000)×100%=50%

Imbuyiselo Yaminyaka Yonke=(Isamba Sembuyiselo/Inani Leminyaka)×100%= (2500/5​)×100%=400%. Kusho ukuthi uma unemali encane, ukutshala imali kuyisinqumo esingcono.

Amathuba Wokuhlanganisa kanye Nokwehlukaniswa Kwemali Engenayo

Ukuhweba vs Ukutshala Ikuphi Okungcono Ekuhlanganiseni? Uma ukhetha ukukhula okukonke kanye nenzalo ehlanganisiwe, Ukutshala imali ezitokisini nezinzuzo kuyisinqumo esingcono. Izinkokhelo zezabelo zivame ukukhokhwa njalo ngekota futhi zengezwe kufikela ku-0.5% kuya ku-3% yenani lesheya phakathi nonyaka.

Isibonelo, ake sithi ufuna ukutshala u-$100 ngenyanga esitokisini esikhokha ingxenye yekota yesabelo sesikhathi sika-$0.25 ngesheya ngalinye, sinenani lamanje lesabelo esingu-$50, futhi sinesilinganiso sokukhula kwe-dividend esingu-5% ngonyaka. Isamba senzuzo ngemva konyaka ongu-1 singaba ngu-$1,230.93, futhi ngemva kweminyaka engu-5, inzuzo iyonke ingaba ngu-$3,514.61 (kuthatha u-10% Wembuyiselo Yonyaka).

Imicabango Final

Ukuhweba vs Ukutshala Ikuphi Okungcono? Noma yini oyikhethayo, qaphela ubungozi bezezimali, kanye namagugu ebhizinisi otshala kulo. Funda kubahwebi nabatshalizimali abadumile ngaphambi kokutshala imali yakho esitokweni.

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imibuzo ejwayelekile ukubuzwa

Yini engcono ukutshalwa kwezimali noma ukuhweba?

Ukuhweba vs Ukutshala Ikuphi Okungcono? Ukuhweba okwesikhathi esifushane futhi kuhilela ingozi enkulu kunokutshala izimali zesikhathi eside. Zombili lezi zinhlobo zithola inzuzo, kodwa abathengisi bavame ukuthola inzuzo eyengeziwe uma beqhathaniswa nabatshalizimali lapho benza izinqumo ezifanele, futhi imakethe yenza ngokufanele.

Iyiphi inketho engcono kakhulu yokuhweba noma yokutshala imali?

Ukuhweba vs Ukutshala Ikuphi Okungcono? Uma ngokuvamile ufuna ukukhula okuphelele ngembuyiselo emikhulu esikhathini eside ngokuthenga nokubamba, kufanele utshale imali. Ukuhweba, ngokuphambene, kusebenzisa kokubili izimakethe ezikhulayo neziwayo ngosuku nosuku, ukungena nokuphuma ezikhundleni ngokushesha, futhi kuthatha inzuzo encane, evame kakhulu.

Kungani abadayisi abaningi belahlekelwa yimali?

Isizathu esisodwa esikhulu sokuthi abathengisi bagcine belahlekelwe yimali yingoba abazibambi kahle ubungozi. Ukuze uvikele utshalomali lwakho lapho uhweba izitoko, kubaluleke kakhulu ukusebenzisa amathuluzi afana nama-oda okulahlekelwa kokuyeka futhi uqiniseke ukuthi usayizi wokuthengisa kwakho ufana nokubekezelela kwakho ubungozi. Uma ungayiphathi kahle ingcuphe, ukuhweba okukodwa nje okungalungile kungase kuthathe ingxenye ebalulekile yemali oyitholayo.

Ref: ukwethembeka | Investopedia