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Kuyika ndalama nthawi zambiri kumawoneka ngati njira yochepetsera kuphunzira, koma bukhuli likufuna kusokoneza lingalirolo. Poyang'ana njira yophunzirira pakuyika ndalama, kutsutsa nthano zodziwika bwino, ndikupereka njira zophunzirira mwachangu, nkhaniyi ikupereka chithunzithunzi chokwanira kwa oyamba kumene komanso osunga ndalama omwe ali ndi zaka zambiri. Dziwani kuchuluka kwa maphunziro oyika ndalama ndi aphunzitsi odziwa zambiri pa Nthawi yomweyo Bitwave, kukutsogolerani panjira.

Zovuta Zoyamba za Maphunziro

Kuyika ndalama, ngakhale kulonjeza, kungawoneke ngati ntchito yovuta kwa oyamba kumene. Zopinga zoyamba nthawi zambiri zimazungulira pakumvetsetsa mfundo zazikuluzikulu ndi ma terminologies. Mawu monga masheya, ma bond, mutual funds, ndi ETFs angawoneke ngati odziwika, koma kumvetsetsa zovuta zawo ndikofunikira. Gawoli likhoza kukhala lolemetsa, chifukwa limaphatikizapo kudzidziwa bwino ndi zofunikira za msika wa zachuma, kuphatikizapo momwe zimagwirira ntchito komanso magalimoto osiyanasiyana omwe alipo.

Komanso, kusanthula zikalata zachuma ndi kumvetsetsa momwe mungasankhire kungakhale kovuta. Izi zimafunika kuphunzira za ma metrics ofunikira azachuma, monga mapindu pagawo lililonse (EPS), chiŵerengero cha mtengo ndi phindu (P/E), ndi return on equity (ROE). Kuphatikiza apo, kumvetsetsa njira zosiyanasiyana zogulira, monga kuyika ndalama zamtengo wapatali, kuyika ndalama zakukula, komanso kuyika ndalama zogawikana, kumawonjezera zovuta.

Kuphatikiza apo, gawo lamaganizidwe pakuyika ndalama, kuphatikiza kulolerana ndi zoopsa komanso kukondera, kumathandizira kwambiri gawo loyambira lophunzirira. Kuthana ndi mantha otaya ndalama ndikuwongolera malingaliro monga umbombo ndi mantha ndizofunikira pakugulitsa bwino.

Njira Zophunzirira Mwamsanga

Kuphunzira kuyika ndalama moyenera komanso moyenera ndikofunikira kuti muwonjezere phindu ndikuchepetsa zoopsa. Kuti apititse patsogolo maphunziro, oyamba kumene angagwiritse ntchito njira zingapo. Choyamba, kugwiritsa ntchito zinthu zapaintaneti, monga mawebusayiti a maphunziro, mabwalo, ndi mabulogu, zitha kupereka zambiri. Mapulatifomu nthawi zambiri amapereka maphunziro aulere, zolemba, ndi maphunziro pazinthu zosiyanasiyana pakuyika ndalama.

Kachiwiri, kugwiritsa ntchito malo ochezera a pa Intaneti monga Twitter, LinkedIn, ndi YouTube kungakhale kopindulitsa. Kutsatira osunga ndalama odziwika bwino komanso akatswiri azachuma, kutenga nawo mbali pazokambitsirana, ndi kuwonera makanema ophunzitsa kungapangitse kumvetsetsa kwachuma kwa munthu.

Chachitatu, kulembetsa maphunziro a pa intaneti kapena kupita ku ma webinars ochitidwa ndi mabungwe azachuma komanso akatswiri atha kupereka maphunziro okhazikika. Maphunzirowa ali ndi mitu yambiri, kuyambira pa mfundo zoyendetsera ndalama mpaka njira zotsogola, zokhudzana ndi masitaelo osiyanasiyana ophunzirira ndi zomwe amakonda.

Kuphatikiza apo, kuwerenga mabuku olembedwa ndi osunga ndalama ochita bwino komanso akatswiri azachuma kumatha kupereka zidziwitso ndi malingaliro ofunikira. Mabuku ngati "The Intelligent Investor" lolemba Benjamin Graham ndi "A Random Walk Down Wall Street" lolembedwa ndi Burton Malkiel amatengedwa ngati akale pankhani yoyika ndalama.

Kuonjezera apo, kuchita malonda ang'onoang'ono pogwiritsa ntchito makina owonetsera masheya kungathandize oyamba kumene kugwiritsa ntchito chidziwitso cham'maganizo pazochitika zenizeni popanda kuika ndalama zenizeni. Izi zitha kukulitsa kuphunzira ndikukulitsa chidaliro.

Malingaliro Olakwika Odziwika Pakuphunzirira Kuyika

Kuphunzira kusunga ndalama nthawi zambiri kumasokonezedwa ndi malingaliro olakwika omwe angalepheretse munthu kupita patsogolo. Lingaliro limodzi lolakwika lodziwika bwino ndi lakuti kuyika ndalama kumangokhala kwa anthu olemera. M'malo mwake, aliyense atha kuyamba kuyika ndalama ndi madola ochepa, chifukwa cha nsanja monga alangizi a robo ndi magawo ochepa.

Lingaliro lina lolakwika ndiloti kuyika ndalama kuli ngati kutchova njuga. Ngakhale kuti kuyika ndalama kumaphatikizapo chiopsezo, kumachokera pakupanga zisankho zodziwitsidwa ndi kusanthula, mosiyana ndi njuga, yomwe imadalira mwayi. Kumvetsetsa kusiyana pakati pa kuyika ndalama ndi kutchova njuga ndikofunikira kuti mupange njira yabwino yopezera ndalama.

Kuphatikiza apo, ambiri amakhulupirira kuti kuyika ndalama kumafuna kumvetsetsa mozama zamalingaliro ovuta azachuma. Ngakhale kuti luso lina lazachuma ndi lopindulitsa, munthu safunikira kukhala katswiri kuti ayambe kuyikapo ndalama. Pali zambiri zothandizira omwe angathandize oyamba kumene kuphunzira zoyambira ndikumanga chidziwitso chawo pang'onopang'ono.

Kuphatikiza apo, anthu ena amaganiza kuti kuyika ndalama ndi kwa achikulire okha kapena omwe akuyandikira kupuma pantchito. Komabe, woyambayo akayamba kuyika ndalama, m'pamenenso ndalama zawo zimafunika kukula. Nthawi ndi yofunika kwambiri pakuyika ndalama, chifukwa imalola mphamvu yophatikizira kuti igwiritse ntchito matsenga ake.

Kutsiliza

Pomaliza, kuyika ndalama sikuyenera kukhala njira yochedwa kuphunzira. Ndi njira yoyenera ndi zothandizira, aliyense akhoza kufulumizitsa njira yawo yophunzirira ndikukhala wochita bwino. Pomvetsetsa zopinga zoyambira, kugwiritsa ntchito njira zogwirira ntchito, ndikuchotsa malingaliro olakwika, kudziwa luso loyika ndalama kungakhale ulendo wopindulitsa.