Malangizo apamwamba osinthira ndalama zanu

Chifukwa chiyani komanso momwe mungasinthire ndalama zanu? Investment ndi yomwe imakutsimikizirani ndalama zabwino mawa. Pachifukwa ichi, kusiyanasiyana kumakhalabe chinsinsi cha kupambana kwa ndalama. Magawo osiyanasiyana azachuma amachepetsa chiwopsezo pakuyika ndalama kwa nthawi yayitali. Zimalola ndalama zambiri zokolola zambiri pothetsa zoopsa zomwe zingatheke ndi njira zina zokhazikika.

Mukangoyamba msanga, mutha kuzindikiranso kufunika kosunga mwadongosolo komanso kukonzekera zolinga za moyo wanu. Mutha kuyamba ndi kusakaniza ndalama, masheya, ma bond kapena masheya aboma.

Koma zikutanthauza chiyani kusiyanitsa ndalama zanu? Koma choyamba apa pali maphunziro zimapangitsa kuti apambane mu bizinesi.

Kodi njira yamitundumitundu ndi iti?

Kuchokera pa siteji ya bizinesi chitsanzo kapena pambuyo pake, pakusinthika kwake, njira zosiyanasiyana zimapezeka kwa kampani. Diversification ndi chimodzi mwa izo.

Monga momwe dzina lake likusonyezera, njira iyi imakhala yosiyana siyana zomwe kampani ikuchita, zolinga zake ndi kupanga. Izi zitha kutanthauza kupanga zinthu zatsopano kapena kulowa msika watsopano.

Pali mitundu iwiri ya mitundu yosiyanasiyana. Zitha kukhala zamkati kapena zakunja. Poyamba, kampaniyo imagwiritsa ntchito kusintha kwapangidwe kuti ipange zatsopano kuchokera kuzinthu zomwe zilipo kale. Chachiwiri, kampaniyo imatenga ina yomwe ingathandize kupeza gawo latsopanoli.

Mukakhala ndi chidaliro muzosankha zanu ndikukhala ndi ndalama zokwanira, mutha kupitilira kumadera monga misika yapadziko lonse lapansi ndi malo ogulitsa. Nazi njira zomwe mungasinthire ndalama zanu.

Dziwani chifukwa chake kusiyanasiyana kuli kofunikira

Mbiri yosiyanasiyana imathandiza kuti ndalama zanu zonse zisamavutike ndi kusokonekera kulikonse kwachuma, ndikukupatsani njira yabwino kwambiri yosungira ndalama. Koma kusiyanasiyana sikumangotengera mtundu wa ndalama kapena magulu achitetezo. Imafikiranso mkati mwa gulu lililonse lachitetezo.

Ikani ndalama m'mafakitale osiyanasiyana, mapulani a chiwongola dzanja ndi nthawi zogwirira ntchito. Mwachitsanzo, osayika ndalama zanu zonse m'gawo lazamankhwala, ngakhale ndi limodzi mwa magawo omwe akuchita bwino kwambiri. Phatikizani mabizinesi anu m'magulu ena omwe akukula, monga ukadaulo wamaphunziro kapena ukadaulo wazidziwitso.

Kagawidwe ka chuma

Mwachidule, pali mitundu iwiri yoyambira yoyikapo ndalama: masheya ndi ma bond. Ngakhale kuti masheya amaonedwa kuti ali pachiwopsezo chachikulu chokhala ndi zokolola zambiri, ma bond nthawi zambiri amakhala okhazikika ndi zokolola zochepa.

Kuti muchepetse chiopsezo chanu, muyenera kugawa ndalama zanu pakati pa zosankha ziwirizi. Chinyengo ndicho kuyanjanitsa awiriwa, kuti tipeze mgwirizano pakati pawo chiopsezo ndi chitetezo.

Kagawidwe kazinthu kaŵirikaŵiri kumatengera zaka ndi moyo. Ali aang'ono, mukhoza kutenga chiopsezo pazochitika zanu posankha masheya omwe amapereka phindu lalikulu.

Njira yabwino yogawa ndiku chotsani zaka zanu kuchokera pa 100 - izi ziyenera kukhala kuchuluka kwa masheya mu mbiri yanu. Mwachitsanzo, wazaka 30 akhoza kusunga 70% masheya ndi 30% ma bond.

Kumbali inayi, wazaka 60 ayenera kuchepetsa kuwonekera pachiwopsezo, chifukwa chake, gawo la masheya liyenera kukhala. 40:60. Komabe, mungafunike kuganizira ndalama za banja lanu posankha zochita.

Ngati mumagawana ndalama zambiri zabanja, muyenera kusamala kwambiri ndi ndalama zanu. Izi zitha kuchepetsa kuchuluka kwa ndalama zomwe muli nazo chifukwa chake mungafune kuyisewera motetezeka ndikupendekeka kwambiri kumabondi.

Ganizirani zoopsa zachitetezo musanayike ndalama

Mutha kuchepetsa kusayembekezeka kwa malonda a masheya pogwiritsa ntchito kusanthula kwachiwopsezo musanagule kapena kugulitsa masheya. Kusanthula kwachiwopsezo kwabwino kumapereka chiwongolero chodziwikiratu kuti awone momwe polojekiti ikuyendera.

Kuti agwiritse ntchito mfundo yomweyi, munthu ayenera kuyesa katunduyo pogwiritsa ntchito magawo enieni omwe amasonyeza kukhazikika kwake kapena kuthekera kochita bwino.

Izi zikuphatikizapo chitsanzo cholimba cha bizinesi, kukhulupirika kwa oyang'anira akuluakulu, kayendetsedwe ka makampani, mtengo wamtundu, kutsata malamulo, njira zoyendetsera zoopsa komanso kudalirika kwa katundu kapena ntchito zake, zogwirizana ndi mpikisano wake.

Kuyika ndalama zogulira msika wa ndalama zogulira ndalama

Zida za msika wa ndalama zikuphatikizapo ziphaso za depositi (CD), mapepala amalonda (CP) ndi ndalama za Treasury (T-bills). Ubwino waukulu wa zotetezedwa izi ndi kumasuka kwa liquidation. Chiwopsezo chochepa chimapangitsanso kukhala ndalama zotetezeka.

Pazitetezo zonse pamsika, mabilu a Treasury ndi omwe ali pafupi kwambiri ndi zotetezedwa zopanda ngozi zomwe zitha kugulidwa payekhapayekha.

Ngakhale ma g-secs amadziwika chifukwa cha chitetezo chawo, sadziwika chifukwa cha zokolola zawo zambiri. Chomwe chimapangitsa kuti g-sec ikhale yotetezeka ndikutchinjiriza kwake kukusintha kwa msika, komanso kumachotsa mwayi wopeza phindu lalikulu monga momwe zimakhalira ndi masheya.

Ikani ndalama m'ma bond ndi kayendetsedwe ka ndalama mwadongosolo

Ndalama zogwirizanitsa zimatengedwa ngati njira yodalirika komanso yokhazikika yopangira ndalama. Koma mkati mwa ndalama zogwirizanitsa, pali njira zambiri zopangira ndalama, kupeza chiwongoladzanja, ndi kuwombola.

Ngati mukufuna kupeza ndalama zanu ngakhale zitalumikizidwa ndi ndondomeko yosungira ndalama, ganizirani kuyika ndalama mumagulu oyendetsera ndalama. Ndi mitundu iyi ya ndalama, mutha kuchotsa ndalama zokhazikika pamwezi kapena kotala. Mutha kusintha kuchotsera, kusankha ndalama zokhazikika kapena motsutsana ndi phindu.

Tsatirani njira yogulira

Dongosolo la ndalama ndiye ndondomeko yanu yosungira nthawi yayitali. Choncho muyenera kuyamba kuganiza kwa nthawi yaitali ndikupewa kuchita maondo. Ganizilani kugula gwira m'malo mwa njira yamalonda yokhazikika. Cholinga chake ndi kusunga mbiri yokhazikika pakapita nthawi, mosasamala kanthu za kusinthasintha kwa msika.

Mosiyana ndi kugulitsa kosalekeza, iyi ndi njira yocheperako pomwe mumalola kuti ndalama zanu zikule. Izi zati, musaope kuchepetsa zomwe zakhala zikuyamikiridwa mwachangu kwambiri kapena kutenga zambiri kuchokera pazachuma chanu kuposa momwe zimafunikira kapena mwanzeru.

Kumvetsetsa zinthu zomwe zimakhudza misika yazachuma

Musanayambe kuyika ndalama m'misika yazachuma, muyenera kumvetsetsa kaye zinthu zomwe zimakhudza kayendetsedwe kake. Misika yazachuma imaphatikizapo kusinthanitsa masheya, kusinthanitsa kwakunja, misika yama bond, misika yandalama ndi misika yamabanki.

Ndi msika wa zida zandalama ndipo monga msika wina uliwonse, umagwira ntchito popereka ndi kufunidwa. Mofanana ndi msika wina uliwonse, palinso zinthu zakunja monga chiwongoladzanja cha chiwongoladzanja ndi inflation zomwe zimakhudza mphamvu zake.

Dziwani zambiri zamisika yapadziko lonse lapansi

Misika yapadziko lonse lapansi imatha kupanga phindu lalikulu pakanthawi kochepa. Misika iyi nthawi zambiri imadziwika ndi mayendedwe othamanga kwambiri pomwe wogulitsa amayeneranso kuthana ndi malamulo angapo azandalama.

Monga Investor wamng'ono, zingatenge nthawi kuti aphunzire momwe zimagwirira ntchito, kumvetsetsa zochitika ndi kusinthasintha, ndi zomwe zimayambitsa kusintha kumeneku. Koma zingakhale zopindulitsa kwambiri, makamaka pamene msika ukukumana ndi kutsika kosalekeza.

Mutha kuyamba ndi a exchanged fund (ETF) kapena mutual fund yokhala ndi mtengo wotsika komanso ndalama zambiri. Zidzakulolani kuti mugwiritse ntchito ndalama zotetezeka ndi ndalama zing'onozing'ono, ndikupatseni mwayi wowona ndikumvetsetsa momwe msika wapadziko lonse umagwirira ntchito.

Sanjani mbiri yanu nthawi ndi nthawi

Kusamala ndikofunikira m'moyo mukakhala sinthani ndalama zanu. Ndikofunikira nthawi ndi nthawi kuyang'ana mbiri yanu yoyika ndalama kuti muwone kuchuluka kwazinthu zosiyanasiyana.

Ndemanga iyi iyenera kutengera zolinga zanu ndi zochitika zazikulu pamoyo wanu, komanso kuwunika komwe munayambira komanso komwe mwachokera.

Katswiri wa zandalama atha kukuthandizani kuti muwunikenso zomwe mwachita potengera moyo wanu. Ntchitoyi imakupangitsani kukhala osamala kwambiri pazachuma chanu, ndikukudziwitsani za kukula kwake pachaka. Zinthu ziwirizi zidzakuthandizani kupanga zisankho zodziwika bwino, ndikukhala ndi masomphenya abwino azachuma amtsogolo.

Yesani ndondomeko yoyendetsera ndalama

Ngati muli ndi ndalama zochepa zomwe mukufuna kuyikapo pakapita nthawi m'malo moyika ndalama zambiri nthawi imodzi, SIP ndi njira yabwino. Pansi pa njira iyi, mutha kuyika ndalama zokhazikika m'magulu apakati pazokhazikika.

Ndi yabwino kwa iwo omwe alibe mwayi wopeza ndalama zambiri, koma omwe angakwanitse kuyika ndalama zochepa mwezi uliwonse.

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Ndi achinyamata ochepa chabe ku India omwe amaganiza zopanga inshuwaransi ya moyo. Zingakhale zovuta kulingalira imfa ngati wachinyamata, makamaka ngati simuli pabanja kapena muli ndi anthu ena odalira.

Koma malangizo akale oti muganizire inshuwaransi ya moyo ngati njira yopezera ndalama ndi yowona, makamaka mukakhala achichepere chifukwa cha mitengo yotsika mtengo yomwe kampani yanu ya inshuwaransi ingakupatseni mukadali achichepere.

Makampani a inshuwaransi ya moyo amasankha zolipirira malinga ndi zaka, ndipo mukakhala wamng'ono, mumachepetsera malipiro anu. Inshuwaransi ya moyo singakhale ndi phindu kwa inu tsopano, koma idzateteza okondedwa anu mukakhala kutali.

Dziwani zomwe mumakonda pazachuma

Mukamapanga ndalama zanu, muyenera kudziwa zokondera komanso malingaliro omwe angakhudze zisankho zanu. Nthawi zambiri timakhudzidwa ndi zinthu zakunja, makamaka chilakolako choopsa, maganizo a banja, mwayi ndi zikhulupiliro za chikhalidwe.

Kukonzekera kuchita ngozi kumatanthawuza kuchuluka kwa chiopsezo chomwe mungafune kuchita, chomwe nthawi zambiri chimadalira pabanja komanso chikhalidwe chawo. Achinyamata ochokera m'mabanja olemera nthawi zambiri amasankha mabizinesi omwe ali pachiwopsezo chachikulu komanso obweza ndalama zambiri.

Kumbali ina, iwo ochokera kumadera ochepa amakhala ndi mwayi wopeza ndalama zambiri m'malo otetezeka. Makhalidwe abanja amakhudzanso kufunitsitsa kwathu kukhulupirira chinthucho " mwayi ".

Chinthu china chapadera ndi chikhalidwe chomwe chimasankha ndalama zathu. Mwachitsanzo, madera ena amakonda kugulitsa golide, pomwe ena amakonda kugulitsa malo.

Phatikizani ndalama zanu: Mwachidule

Cholinga cha ndalama ndikupatsa ndalama zanu mwayi wokula ndikukuthandizani kukwaniritsa zolinga zanu zina. Mukangoyamba kumene, m'pamenenso mungapereke nthawi yambiri yopereka ndalama zanu kuti zitheke.

Chofunika koposa, zimakuthandizani kuti muzolowerane ndi kasamalidwe kazachuma, chizolowezi chosunga komanso kumvetsetsa zida zogulira. Kuyamba msanga kumakupatsani ufulu wazachuma komanso kukhazikika kuti mukwaniritse zofuna zanu ndikusintha moyo wanu. Pochita izi muyenera kusiyanitsa ndalama zanu.

Komabe, sindingathe kukusiyani popanda kukupatsani maphunziro anga pa maphunziro aumwini. Dinani apa kuti mutsitse chiwongolero chachikulu cha kasamalidwe kazachuma.

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