Akukho ngxaki yokufumana iingcebiso zotyalo-mali. Iipodcasts, iincwadi, iiakhawunti zeendaba zoluntu, iincwadana zeendaba, kunye nezifundo zonke zithembisa ukukufundisa indlela yokwakha ubutyebi. Ezinye zazo zilungile. Uninzi lwazo luyingxolo. Kwaye ulwazi oluninzi lwenza kube nzima ukwahlula imikhwa ebalulekileyo kuleyo ivakala ihlakaniphile kodwa ingashukumi.
Xa ufunda ngabantu abakhe ubutyebi bokwenene nobuhlala ixesha elide ngokutyala imali, kuvela iindlela.
Nazi ezinye ezibalaseleyo.
Bacinga Kwiminyaka Engamashumi Eminyaka, Kungengabo Iinyanga
Eyona mpazamo ixhaphakileyo eyenziwa ngabatyali-mali abaqhelekileyo kukulinganisa iziphumo ngexesha elifutshane. Ukuhla kwemarike nganye kuvakala ngathi yingxaki, kwaye yonke indibano ivakala ngathi kukuqinisekiswa. Loo mjikelo weemvakalelo ukhokelela ekuthengeni okuphezulu nasekuthengiseni okuphantsi, nto leyo echasene ngokupheleleyo noko kwakha ubutyebi.
Abatyali-mali abaphumeleleyo basebenza ngewotshi eyahlukileyo. Balinganisa inkqubela phambili kwiminyaka neminyaka. Baqala ukuqonda ukuba imakethi iya kwehla ngama-20 ukuya kuma-30 ekhulwini ngaxesha lithile kulo naliphi na ishumi leminyaka, kwaye bayayiceba endaweni yokusabela kuyo. Bayazi nokuba ipotifoliyo eyahlukeneyo egcinwe iminyaka engama-20 iye yavelisa imbuyekezo enamandla ngokwembali.
Oku akuthethi ukuba bayayityeshela into eyenzekayo kwimarike. Kuthetha nje ukuba bahluza yonke into ngelensi yexesha elide ngaphambi kokuba benze isigqibo. "Ngaba oku kuyayitshintsha ingcinga yam yeminyaka eli-10?" ngumbuzo owahluke ngokupheleleyo kunothi "kwenzeka ntoni kwipotifoliyo yam namhlanje?"
Bayabela Abanye Oko Bangakwenzi Kakuhle
Abatyali-mali abaphumeleleyo bayaqonda ngokunyanisekileyo ukuba yintoni abayenzayo kakuhle nengabayenzi kakuhle. Okubaluleke ngakumbi, baqesha abantu ukuba baphathe izinto ezingaphaya kolwazi lwabo kunokuba bazame ukuzifumanela yonke into ngokwabo.
- Ugqirha ofumana umvuzo ophezulu kwaye ofuna ukutyala imali kwizindlu akufuneki afunde indlela yokuhlola abantu abaqeshileyo kunye nokulungelelanisa ukulungiswa kwemibhobho. qesha umphathi wepropathi wasekuhlaleni ukujonga imisebenzi yemihla ngemihla yepotifoliyo yabo yokuqeshisa ukuze iipropati zifumane imbuyekezo ngaphandle kokuchitha ixesha namandla azo.
- Usomashishini owakhe ishishini eliphumelelayo kodwa engenalo ulwazi ngesicwangciso serhafu okanye ulwakhiwo lwepotifoliyo uqesha umcebisi wezemali ukwakha isicwangciso semali esibanzi esijongana nokusebenza kakuhle kwerhafu, ukwabiwa kweeasethi, ulawulo lomngcipheko, njl.
Konke oku kumalunga nokusebenzisa amandla. Ixesha olichitha uzama ukuba nobuchule kwinto engaphandle kwesakhono sakho lixesha ongalichithi kwizinto osele unobuchule kuzo. Kwaye iimpazamo ozenzayo ngelixa ufunda zinokubiza kakhulu.
Balandela Inkqubo, Kungekuko Isisu Sabo
Abatyali-mali abaphumeleleyo bakha inkqubo baze bayilandele. Loo nkqubo inokuba lula njengokufaka imali emiselweyo kwi-diversified index fund ngomhla wokuqala wenyanga nganye nokuba imeko yemarike injani na. Okanye ingaba yiseti eneenkcukacha zeendlela zokuvavanya iipropati zokuqeshisa ngaphambi kokwenza isiphakamiso.
Inkqubo isusa iimvakalelo kwi-equation. Xa imakethi iwela kwaye imvakalelo yakho ithi thengisa, inkqubo ithi thenga (okanye ubambe). Xa isivumelwano sibonakala sinomdla kwaye intliziyo yakho ithi qhubeka naso, inkqubo ithi jonga amanani kuqala.
Bayayiqonda ingozi endaweni yokuyiphepha
Abatyali-mali abaqhelekileyo badla ngokuwela kwelinye lamaqela amabini anomngcipheko. Elokuqala liyakuphepha ngokupheleleyo, ligcina yonke into kwiiakhawunti zokonga kunye neebhondi ezigcina imali. Eyesibini ithatha okuninzi kakhulu ngokugxininisa kwisitokhwe esinye, ipropathi enye, okanye ukubheja okungalindelekanga okunokuhlawula kakhulu okanye kuye ku-zero.
Abatyali-mali abaphumeleleyo bathatha indawo ephakathi. Bathatha iingozi ezibaliweyo ngokusekelwe kuhlalutyo kungekhona kwiimvakalelo. Bayaqonda ukuba umngcipheko kunye nembuyekezo zidibene, kwaye ukuphepha zonke iingozi kuthetha ukwamkela imbuyekezo engahambelani kangako nokunyuka kwamaxabiso.
Ukwahlukahlukana yindlela isixhobo esiphambili esisetyenziswa ngabatyali-mali abaphumeleleyo ukulawula umngcipheko. Ukusasaza imali kwiindidi ezahlukeneyo zeeasethi, iindawo, kunye neentlobo zotyalo-mali kuthetha ukuba akukho sikhundla sithile esinamandla okutshabalalisa ipotifoliyo. Ukulungiswa kwemarike yesitokhwe kuyalimaza, kodwa ukuba unezindlu kunye neebhondi, impembelelo iyancitshiswa. Ipropati yokuqeshisa ihlala ingenanto iinyanga ezimbini, kodwa ukuba unezindlu ezine kwiimarike ezimbini, ezinye zigubungela umsantsa.
Bakwalinganisa izikhundla zabo ngokwembono yabo kunye nomngcipheko obandakanyekayo. Utyalo-mali oluthembekileyo kakhulu kwi-broad market index fund lunokumela ama-50 ekhulwini epotfoliyo. Nangona kunjalo, ukubheja okuqikelelweyo kwicandelo elikhulayo kufumana ama-2 ekhulwini.
Baqhubeka Befunda
Abatyali-mali abaphumeleleyo kakhulu ngabafundi abasoloko befunda ubugcisa babo. Bafunda baze bafunde izigqibo zabo zangaphambili (kuquka nezo zingahambanga kakuhle). Bahlala benomdla kwiiklasi ezintsha zeeasethi kunye nolwazi olutsha olunokufaka umngeni kwindlela abacinga ngayo ngoku.
Oku akuthethi ukuba ulandela yonke imikhwa emitsha okanye utshintshe iindlela rhoqo. Nangona kunjalo, kufuneka uhlale ubandakanyeka kwinkqubo yokutyala imali. Umtyali-mali wezindlu ofunda incwadi enye ngonyaka malunga nohlalutyo lwemarike, isicwangciso serhafu, okanye ulawulo lwepropathi wenza izigqibo ezingcono kunyaka wesihlanu kunokuba wayenjalo kunyaka wokuqala.
Ukubeka konke ndawonye
Le mikhwa mihlanu ayifuni bulumko buninzi, umvuzo ophezulu, okanye ixesha elifanelekileyo. Nangona kunjalo, ifuna ukuzibamba, ukuzazi, umonde, kunye nokuzimisela ukudlala umdlalo omde. Yiyo loo nto abatyali-mali abakha ubutyebi obuhlala ixesha elide bedla ngokuba ngabo bafunda indlela yokuphumelela ekuzinzeni.
