Indlela yokwakha ipotifoliyo yesitokhwe elungeleleneyo

Ukutyala imali kwimarike yemasheya yindlela enomdla yokukhulisa ukonga kwakho kwixesha elide. Kodwa wabeka bonke ubutyebi bakhe ezitokisini kubandakanya ingozi enkulu. Ukuguquguquka kweemarike kunokukhokelela kwilahleko eyinkunzi ekunzima ukuyoyisa ukuba awuzilungiselelanga. Nangona kunjalo, eyona nto ixhalabisayo yile: Indlela yokwakha i-portfolio ye-stock market elinganayo?

Isisombululo kukwamkela isicwangciso esisebenzayo sokwahluka ngokusebenzisa ipotifoliyo ye-stock market. Kwi ngokugqibeleleyo ukudibanisa iindidi ze-asethi ezahlukeneyo, kuyenzeka ukuba usebenze kakuhle kwaye ufumane umlinganiselo ongcono wokubuyiswa / womngcipheko.

Ukwakha ipotfoliyo eyohlukeneyo, nangona kunjalo, kufuna indlela kunye nobunzima. Kuyimfuneko ukucacisa ngokucacileyo iprofayili yakho yomtyali-mali kunye neenjongo ngaphambi kokuba ukhethe imidiya efanelekileyo. Ukubekwa esweni rhoqo kolwabiwo nako kubalulekile ukugcina ibhalansi ekuhambeni kwexesha.

Kweli nqaku, iDemian Finance ikunika iziseko zokuseta ipotifoliyo yentengiso yesitokhwe eqinileyo nefanelekileyo. Kodwa ngaphambi kokuba uhambe, nantsi indlela Bukho kwiwebhusayithi yakho kwiinyanga ezi-3

Masihambe !!

🥀 Cacisa ngokucacileyo iprofayile yakho yomtyali-mali

Ngaphambi kokuba ukhethe izibambiso, kubalulekile ukujonga iprofayile yakho yomtyali-mali. ✍️ Yintoni injongo yakho? Utyala ixesha elingakanani? Ungakanani umngcipheko ozimisele ukuwamkela?

Iimpendulo zakho kule mibuzo ziya kugqiba ukwakhiwa kwepotfoliyo yakho.

Umtyali-mali onobundlavini onobudenge botyalo-mali olude uya kukwazi ukuhlawula icandelo elikhulu lokulingana. Ngakolunye uhlangothi, iprofayili elumkileyo yexesha elifutshane kufuneka ibe ngaphezu kwayo yonke into thanda ii-asethi ezizinzileyo.

🥀 Yamkela ulwahlulo olusebenzayo

Ukwandisa umlinganiselo wembuyekezo/umngcipheko, kubalulekile ukuba yahlula ipotifoliyo yakho kakuhle. 📊 Oku kuthetha ukutyala imali kwiintlobo ezahlukeneyo ze-asethi, amashishini, iindawo, kunye nezimbo zolawulo.

Ngale ndlela, unciphisa ukuvezwa kwakho kumngcipheko othile wotyalo-mali ngalunye. Nokuba omnye wabo ebenokuwa, abanye bakwenza kube nokwenzeka ukubuyisela ngokunciphisa ilahleko iyonke. A Ukwahluka okuhlakaniphile yeyona ndlela ilungileyo yokugudisa ukusebenza kwakho.

🥀 Ukufumana ibhalansi elungileyo phakathi kweeklasi ze-asethi

Ulwabiwo lwe-asethi olulinganayo kufuneka ludibanise iintlobo ezine eziphambili zotyalo-mali : izabelo, bond, izindlu, kunye nemali. 🏙️🏦

Izabelo zamashishini ezingenanzala emisiweyo ziya kubonelela ngokukhula okuyimfuneko kwixesha elide, kodwa ngokuguquguquka okukhulu. Iibhondi ziya kuphucula ukuzinza kwepotfoliyo ngokubulela kumakhuphoni ahlawulweyo. Izindlu kunye nemali nazo ziya kudlala indima yokuzinzisa.

Injongo kukuseta iipesenti ezilungelelaniswe kwimeko yakho kwiklasi nganye kwezi zine. Hayi kakhulu okanye encinci kakhulu.

🥀 Khetha izihloko ngononophelo

Kwipokotho nganye, thatha ixesha lokukhetha ngononophelo utyalo-mali lwakho. 🕵️‍♂️

Kwizabelo zamashishini ezingenanzala emisiweyo, dibanisa ukukhula kunye nezaphulelo zesitokhwe. Ukwahluka kuwo onke amacandelo aphambili. Ngokuzithandela yongeza iitraki ukuze ugqibezele.

Kwiibhondi, khetha ezo zeenkampani ezisemgangathweni. Unokongeza iibhondi zikarhulumente ezivela kumazwe azinzile.

Khetha ii-REIT zakho okanye izindlu nomhlaba ngokungqongqo emva kohlalutyo lwabaqeshi kunye neendawo. Kwaye ugcine imali ethile kubathwali abangenamngcipheko.

🥀 Lungelelanisa ulwabiwo lwakho kwimeko yotyalo-mali lwakho

Ulwabiwo lwakho phakathi kweendidi ezahlukeneyo ze-asethi kufuneka luthathele ingqalelo i-horizon yakho yotyalo-mali. 📅

Ukuba utyala imali ixesha elide kakhulu, ungafikelela kwisabelo esisininzi kakhulu, kuba unaso ixesha lokulungisa iingxaki.

Kodwa njengoko ixesha lakho elibekiweyo lisondela, kububulumko ukunciphisa ngokuthe ngcembe ubunzima bee-asethi ezinobungozi ngokuxhasa ii-asethi ezizinzileyo. Oku kubalulekile ukukhusela iinzuzo zakho ngaphambi kokuba utyalomali.

🥀 Yenza ulungelelwaniso lwamaxesha ngamaxesha

Ngokuhamba kwexesha, ulwabiwo lwe-asethi luya kuba lungalingani ngenxa yotshintsho lwemarike. 📉

Kubalulekile ke ngoko ukuba uphonononge ulwabiwo lwakho rhoqo, umzekelo minyaka le, kunye ukulamla ukuba kuyimfuneko ukubuyisela iipesenti zokuqala.

Olu qeqesho lohlengahlengiso olunyanzelwayo luqinisekisa ukuba uhlala ugcina inqanaba lomngcipheko apho ukhululekile khona, ngaphandle kokuguquguquka.

🥀 Hamba kunye nomntu oqeqeshiweyo

Ukuba awunawo amava, musa ukuthandabuza ukufuna iingcebiso zobungcali ukuze wenze isibonelelo sakho. 🤝

Un umcebisi olungileyo wezezimali thatha ixesha lokuchonga ngokucacileyo iinjongo zakho kunye neprofayile yakho. Iya kukukhokela kwinqanaba ngalinye: inkcazo yolwabiwo, ukhetho lwenkxaso, ukuphunyezwa kokusebenza, ulamlo kunye nokulandelwa.

Ukuzingqongile kakuhle sisiqinisekiso sempumelelo ekuphumezeni iinjongo zotyalo-mali ngepotfoliyo eqinileyo negqwesileyo.

🥀 Ukuvala

Ukwakha ipotifoliyo ye-stock market elungeleleneyo kufuna ingcinga kunye nendlela, kodwa ngeli xabiso ungatyala ngokuzolileyo. 😌 Landela ezi ndlela zingcono zokwabiwa kwe-asethi, ulwahlulo, kunye nokubeka iliso rhoqo.

Kwaye ungalibazisi ukufuna iingcebiso kwingcali. Oku kubeka iingxaki kwicala lakho lokukhula kwexesha elide!

🥀 FAQ: ukwakha ipotifoliyo yestock market elungeleleneyo

🌱 Yintoni ipotifoliyo yesitokhwe elinganayo?

I-balanced stock portfolio yipotifoliyo eyohlukeneyo, kubandakanywa iiklasi ezahlukeneyo ze-asethi ezifana nezitokhwe, iibhondi, i-real estate, imali.

Injongo kukufumana eyona imbuyekezo/yengozi ratio ngokusasaza imali abayigcinileyo ngendlela efanelekileyo.

🌱 Ndazi njani ukuba loluphi uqulunqo ekufuneka ndiluthathe kwipotfoliyo yam?

Ulwabiwo luya kuxhomekeka kwiprofayile yakho yomtyali-mali. Umtyali-mali olumkileyo wexesha elifutshane uya kuba nee-asethi ezizinzileyo kunomtyali-mali ondlongondlongo wexesha elide.

Kufuneka sifumane ibhalansi elungileyo esekelwe kwiinjongo zakho.

🌱 Ngaba kufuneka ndiphonononge rhoqo ukwakhiwa kwepotfoliyo yesitokhwe sam?

yes, kucetyiswa ukuba ulungelelanise ubuncinane kanye ngonyaka. Oku kuvumela iipesenti zokuqala ukuba zigcinwe ngaphandle kokuguquguquka kweemarike.

🌱 Ndingakwazi ukulawula ipotifoliyo yam yesitokhwe ngokwam?

Ewe, kodwa kungcono ukukhatshwa ngumcebisi wezezimali, ngakumbi ukuba awunamava. Kuya kukunceda ukuba wakhe kwaye ulandelele ulwabiwo lwe-asethi yakho.

🌱 Yeyiphi imali encinci ethathiweyo ukwakha ipotfoliyo yemarike yemasheya?

Akukho xabiso lincinci lipheleleyo. Ngamawaka ambalwa eeuro, unokuqalisa ukutyala imali kwimarike yemasheya usebenzisa iimali okanye iiPEAs. Undoqo kukwahluka.

🌱 Ngaba kufuneka ndityale imali kwizitokhwe kuphela?

hayi, izabelo ezikhulu kakhulu zezabelo zamashishini zinyusa umngcipheko. Kukhethwa ukuba kutyalwe imali kwiindidi ezahlukeneyo ze-asethi ngendlela elungeleleneyo ukuze kunyuswe umlinganiselo wembuyekezo/womngcipheko.

🌱 Zingaphi izihloko ezahlukileyo ekufanele zibenazo ipotfoliyo yam?

Ishumi elinesibini lemigca ekhethwe kakuhle yanele ngokubanzi ukufumana ulwahlulo oluhle. Akukho sidingo sokuya phambili ngaphandle kokuba unemali enkulu kakhulu yokutyala imali.

🌱 Kufuneka ujonge kangaphi ipotifoliyo yesitokhwe sakho?

Inqaku lenyanga lanele ukujonga ukuvela kotyalo-mali lwakho. Rebalance ukuba ezifunekayo 1-2 amaxesha ngonyaka. Kwaye uhlale ubukele iindaba zoqoqosho kunye nezemali.