Palibe upangiri wochuluka wokhudza ndalama zomwe zilipo. Ma podcasts, mabuku, maakaunti a pa malo ochezera a pa Intaneti, makalata, ndi maphunziro onse akulonjeza kukuphunzitsani momwe mungapangire chuma. Zina mwa izo ndi zabwino. Zambiri mwa izo ndi phokoso. Ndipo kuchuluka kwa chidziwitso kumapangitsa kuti zikhale zovuta kusiyanitsa zizolowezi zofunika ndi zomwe zimamveka zanzeru koma sizisuntha singano.
Mukaphunzira za anthu omwe amanga chuma chenicheni komanso chokhalitsa kudzera mu ndalama, njira zimaonekera.
Nazi zingapo zomwe zimaonekera bwino.
Amaganiza M'zaka Zambiri, Osati Miyezi
Cholakwika chomwe anthu ambiri omwe amaika ndalama zambiri amachita ndi kuyeza zotsatira zake pa nthawi yochepa. Kutsika kulikonse kwa msika kumamveka ngati vuto, ndipo kukwera kulikonse kumamveka ngati kutsimikizika. Kusintha kwa malingaliro kumeneku kumabweretsa kugula zinthu zambiri ndi kugulitsa zinthu zochepa, zomwe ndi zosiyana kwambiri ndi zomwe zimamanga chuma.
Ogulitsa opambana amagwira ntchito pa nthawi yosiyana. Amayesa kupita patsogolo kwa zaka zambiri. Amayamba kumvetsetsa kuti msika udzatsika ndi 20 mpaka 30 peresenti panthawi ina mkati mwa zaka khumi zilizonse, ndipo amakonzekera izi m'malo mochitapo kanthu. Amadziwanso kuti ndalama zosiyanasiyana zomwe zakhalapo kwa zaka 20 zakhala zikubweretsa phindu lalikulu m'mbiri.
Izi sizikutanthauza kuti amanyalanyaza zomwe zikuchitika pamsika. Zimangotanthauza kuti amasefa chilichonse kudzera mu lenzi ya nthawi yayitali asanapange chisankho. "Kodi izi zasintha lingaliro langa la zaka 10?" ndi funso losiyana kwambiri ndi lakuti "kodi chikuchitika ndi chiyani pa mbiri yanga lero?"
Amapatsa Ena Ntchito Zomwe Sachita Bwino
Amalonda opambana amamvetsetsa bwino zomwe akuchita bwino ndi zomwe sachita bwino. Chofunika kwambiri, amalemba anthu ntchito kuti agwire ntchito zomwe sizili bwino m'malo moyesa kupeza zonse okha.
- Dokotala wochita opaleshoni amene amapeza ndalama zambiri ndipo akufuna kuyika ndalama mu malo ogulitsa nyumba safunika kuphunzira momwe angayang'anire anthu obwereka nyumba ndikuwongolera kukonza mapaipi. lembani woyang'anira malo m'deralo kuyang'anira ntchito za tsiku ndi tsiku za lendi yawo kuti nyumbazo zipeze phindu popanda kuwononga nthawi ndi mphamvu zawo.
- Munthu wamalonda amene wapanga bizinesi yopambana koma alibe chidziwitso pa njira zopezera misonkho kapena kupanga ndalama zogulira zinthu zina akulemba ntchito mlangizi wazachuma kupanga dongosolo lazachuma lonse lomwe limawerengera momwe misonkho imagwirira ntchito bwino, kugawa katundu, kuyang'anira zoopsa, ndi zina zotero.
Izi zonse ndi zokhudza kugwiritsa ntchito mphamvu. Nthawi yomwe mumathera mukuyesera kukhala waluso pa chinthu china chomwe sichili luso lanu ndi nthawi yomwe simukuwononga pa zinthu zomwe mumachita bwino kale. Ndipo zolakwa zomwe mumachita pophunzira zingakhale zodula.
Amatsatira Dongosolo, Osati Mtima Wawo
Ogulitsa opambana amapanga dongosolo ndikulitsatira. Dongosolo limenelo lingakhale losavuta monga kupereka ndalama zokhazikika ku ndalama zowerengera ndalama zosiyanasiyana pa tsiku loyamba la mwezi uliwonse mosasamala kanthu za momwe msika ulili. Kapena lingakhale dongosolo latsatanetsatane la kuwunika malo obwereka musanapereke chilolezo.
Dongosololi limachotsa malingaliro mu equation. Pamene msika watsika ndipo chibadwa chanu chikunena kuti gulitsani, dongosololi limati gulani (kapena sungani). Pamene mgwirizano ukuwoneka wosangalatsa ndipo mtima wanu ukunena kuti pitirizani, dongosololi limati yang'anani manambala kaye.
Amamvetsa Zoopsa M'malo Mozipewa
Anthu ambiri omwe amaika ndalama m'magulu amenewa nthawi zambiri amakhala m'gulu limodzi mwa magulu awiri omwe ali ndi chiopsezo. Choyamba chimapewa zonse, kusunga chilichonse mu akaunti zosungira ndalama ndi ma bond osasinthika. Chachiwiri chimatengera zambiri mwa kuyika ndalama zambiri mu stock imodzi, malo amodzi, kapena kubetcha kongoganizira komwe kungathandize kwambiri kapena kufika pa zero.
Anthu odziwa bwino ntchito yawo amakhala pakati pa bizinesi. Amapeza zoopsa zomwe zimawerengedwa potengera kusanthula osati malingaliro awo. Amadziwa kuti zoopsa ndi phindu zimalumikizana, ndipo kupewa zoopsa zonse kumatanthauza kulandira phindu lomwe silikugwirizana ndi kukwera mtengo kwa zinthu.
Kusinthasintha kwa ndalama ndi chida chachikulu chomwe amalonda opambana amagwiritsa ntchito pothana ndi zoopsa. Kugawa ndalama m'magulu osiyanasiyana a katundu, malo, ndi mitundu ya ndalama kumatanthauza kuti palibe udindo umodzi womwe uli ndi mphamvu yowononga ndalama zomwe zilipo. Kukonza msika wamasheya kumapweteka, koma ngati muli ndi malo ndi ma bond, zotsatira zake zimakhala zotetezeka. Malo obwereka amakhala opanda anthu kwa miyezi iwiri, koma ngati muli ndi malo anayi m'misika iwiri, enawo amaphimba kusiyana.
Amaonanso kuti malo awo ndi ofunikira malinga ndi zomwe akukhulupirira komanso zoopsa zomwe zingachitike. Ndalama zodalirika kwambiri mu thumba la ndalama zogulira zinthu zambiri (Broad market index fund) zitha kuyimira 50 peresenti ya ndalama zomwe zilipo. Komabe, kubetcha kongoganizira pa gawo lomwe likukula kumene kumapeza 2 peresenti.
Amapitiriza Kuphunzira
Ogulitsa ndalama opambana kwambiri ndi ophunzira nthawi zonse za luso lawo. Amawerenga ndikuphunzira zisankho zawo zakale (kuphatikizapo zomwe zinalakwika). Amakhalanso ndi chidwi chofuna kudziwa magulu atsopano azinthu ndi zambiri zatsopano zomwe zingasokoneze malingaliro awo apano.
Izi sizikutanthauza kutsata njira zatsopano kapena kusintha njira nthawi zonse. Komabe, muyenera kukhala otanganidwa ndi njira yogulira. Wogulitsa nyumba yemwe amawerenga buku limodzi pachaka lonena za kusanthula msika, njira zokhoma misonkho, kapena kasamalidwe ka katundu akupanga zisankho zabwino mu chaka chachisanu kuposa momwe zinalili mu chaka choyamba.
Kuyika Izo Palimodzi
Zizolowezi zisanuzi sizifuna nzeru zambiri, ndalama zambiri, kapena nthawi yoyenera. Komabe, zimafuna kudziletsa, kudzidziwa bwino, kuleza mtima, komanso kufunitsitsa kuchita zinthu nthawi yayitali. Ichi ndichifukwa chake anthu omwe amaika ndalama zomwe amapeza nthawi yayitali nthawi zambiri amakhala okhawo omwe amaphunzira momwe angadziwire zinthu mosasinthasintha.
