ʻO Neobanks a me ka hōʻemi ʻana i nā uku panakō
Ua luhi ʻoe i ka uku ʻana i nā kālā he nui i nā uku panakō i kēlā me kēia makahiki i kāu panakō kuʻuna? Aia ka hopena i ka hoʻokomo ʻana i nā neobanks a me nā waihona pūnaewele.
ʻO ke kālā maʻamau e kū'ē ana i ke kālā Islam e pili ana i kahi kahua o ka hana e pili ana i ka hāʻawi ʻana i nā kumu hana kālā (kapita) e pono ai no ka hoʻokō ʻana i kahi papahana hoʻopukapuka.
Ua luhi ʻoe i ka uku ʻana i nā kālā he nui i nā uku panakō i kēlā me kēia makahiki i kāu panakō kuʻuna? Aia ka hopena i ka hoʻokomo ʻana i nā neobanks a me nā waihona pūnaewele.
I kēia mau lā, ua maʻalahi loa ka wehe ʻana i kahi waihona panakō pūnaewele 100%. ʻAʻole pono e hele i kahi hui a kali i nā hola! Me nā kaomi liʻiliʻi wale nō mai kāu kamepiula a i ʻole kelepona, hiki iā ʻoe ke komo i kahi waihona kālā hou a hiki ke loaʻa i nā manawa āpau.
ʻAʻole maʻalahi ka mālama ʻana i kāu kālā pilikino. Eia naʻe, ʻo kekahi o nā ʻenehana maikaʻi loa i makemake ʻia e ka poʻe loea ʻo ia ka lula 50/30/20. Ma waena o nā pila koi e hōʻiliʻili nei, nā hoʻowalewale o ka ʻai ʻana a me nā hanana i manaʻo ʻole ʻia o ke ola, maʻalahi ka nalo ʻana i kou wāwae a ʻike i kāu kālā e hele i lalo o ka wai.
ʻO ka hoʻokomo kālā ʻana i ka mākeke kūʻai me kahi PEA kaulana loa i nā mea mālama. Mahalo i kāna ʻauhau maikaʻi ma nā loaʻa kālā a me nā ʻāpana i loaʻa, hoʻonui ia i ka hana hoʻopukapuka ʻoiai e hōʻemi ana i ka bila ʻauhau. Hāʻawi pū ka PEA i ka hiki ke hoʻololi i ka waihona kālā ma waena o nā kaʻa he nui e like me nā ʻāpana, nā ETF, nā kālā, nā palapala kauoha, a pēlā aku.
ʻO ka hoʻokomo kālā ʻana i ka mākeke he ala hoihoi ia e hoʻonui ai i kāu waihona no ka wā lōʻihi. Akā ʻo ka hoʻolilo ʻana i kāu waiwai holoʻokoʻa i nā waihona e pili ana i nā pilikia nui. Hiki i ka volatility market ke alakaʻi i nā poho kālā i paʻakikī ke lanakila inā ʻaʻole ʻoe i mākaukau no ia. Eia nō naʻe, ʻo ka mea nui e hopohopo nei: Pehea e kūkulu ai i kahi kōpili mākeke kūʻai kaulike?
Makemake au e koho i ka 'inikua ola pono no'u. Pehea e hana ai? ʻO ka ʻoiaʻiʻo, hoʻohui ka ʻinikua ola i nā pono he nui e pili ana i ka hoʻihoʻi ʻana, ka loaʻa ʻana o ka mālama kālā a me ka loiloi ʻauhau. Eia naʻe, ʻoi aku ka maʻalahi o ka lawe ʻana i kahi ʻaelike ola ola ma mua o ka mea i ʻike mua ʻia. Ma waena o nā ʻaelike he nui i hāʻawi ʻia e nā mea inikua, pehea e hoʻokele ai e koho i ka mea e kūpono maoli i kāu kūlana kālā a me kāu mau pahuhopu?