Investissement actif et passive – baarakɛminɛnw, nafaw ani dɛsɛw

Mun ye wari bilali fɛɛrɛ ye min tɛ baara kɛ ani min bɛ kɛ ni wale ye, wari bilali waleyali ni walekɛbali bɛ daminɛ yɔrɔ min na, fɛɛrɛ kelen-kelen bɛɛ nafa n’a dɛsɛ. Suguda sɔrɔko la, sugandi caman bɛ yen minnu bɛ mɔgɔ kelen-kelen bɛɛ dɛmɛ ka kapitali mara ani ka dɔ fara a kan. Ka fara baarakɛlaw sara sɔrɔli kan, walima tɔnɔ sɔrɔli i ka jago ɲɛnabɔli la, i bɛ se ka dɔ fara i ka sɔrɔ kan ni wari bilali ye min tɛ kɛ walima ni wari bilali ye. O ye mun ye, wariko minɛn jumɛnw ka kan ka kɛ ani nafa jumɛnw bɛ wari bilali pasif ni active la, an bɛna o fɔ nin barokun in kɔnɔ.

Mun ye investissement passive ye

Passive investing ye lakana suguya caman ka portfolio sigili ye waati jan kɔnɔ. Investissement passif (nafolodonni pasif) ni wariko nafolodonni suguya tɔw tɛ kelen ye, bawo a tɛ waati ni cɛsiri caman ta walasa ka tɔnɔ sɔrɔ ni nin waridon suguya in ye. N’an ye investissement passif ni investissement active suma ɲɔgɔn na, o tuma na fɛ, a filanan na, suguya sɛgɛsɛgɛli jɔnjɔn de ka kan ka kɛ, wa a fɔlɔ la, o baara sugu tɛ wajibi ye. Yan, waridonna ka kan ka minɛn ɲuman sugandi dɔrɔn, ka lakanafɛnw tilatilali kɛ ka kɛɲɛ ni paramɛtiri suguya caman ye ani ka sɔrɔ sɔrɔli makɔnɔ. Ni investissement passive ye, investisseur bɛ sɔrɔ sɔrɔ, min bɛna tɔgɔ kelen ta – passive. O sɔrɔ suguw fɛɛrɛ in kun bɛɛ bɛ sɔrɔ bolomafara bloki dɔ sigili la waridonna fɛ, min bɛna na ni wari tɔnɔba ye don nataw la. Ni portfolio in dabɔra ka ɲɛ, bɔnɛ faratiw bɛna dɔgɔya. Waati jan kɔnɔ, aksidan minnu bonyalen don, olu bɛna se ka lakanafɛn wɛrɛw bɔli dafa. Investissement passif sugandi – nafa ni dɛsɛ: https://youtu.be/N7iOSQG4hz0

Mun ye investissement active ye

Nafolodonni waleyali ye wari bilacogo ye, min kɔnɔ, wariko sugandiliw ɲinini ani ka latigɛw kɛ u yɛrɛ ka wariko bolofara ɲɛnabɔli la, o bɛ waridonna yɛrɛ de bolo. Sariya la, wariko waleyali bɛ fara farati dɔw kan. Nka ni nin waridon sugu in kɛra, tɔnɔ bɛ se ka sɔrɔ joona kosɛbɛ ka tɛmɛ sɔrɔko tɛ min na. Investisseur min bɛ baara kɛ kosɛbɛ, o bɛ se ka tɔnɔ sɔrɔ dɔrɔn n’a yɛrɛ ka dɔnniya, a ka sekow, a ka cɛsiriw ani a ka waati dɛmɛ ye. Misali la, ni i bɛ jago kɛrɛnkɛrɛnnen dɔ ka jatebɔw sɔrɔ, a nafa ka bon ka jɛkulu ka sugu ni a ka sɔrɔko kalan kosɛbɛ walasa ka cogoyaw faamuya minnu bɛ se ka kɛ sababu ye ka jatebɔw nafa bonya.

Nafolosɔrɔminɛn jumɛnw bɛ sɔrɔ pasif (passif sɔrɔ).

Nafolo minnu b s r s r s r li la, olu ye wari bilali ye nafolo la, s r s r hakɛ bɛna dɔn yɔrɔ minnu na ka kɔn o ɲɛ. O waridon pasif in de b’a to i bɛ se ka sɔrɔ pasif sɔrɔ.

Depositw (deposit) minnu bɛ kɛ

Deposit minnu bɛ bankiw kɔnɔ, olu bɛ na ni waridonnaw ​​ka sɔrɔ pasif ye, o min bɛ jate kɛmɛsarada la. Tɔnɔ hakɛ sarali bɛ kɛ tɔnɔ min sɔrɔla banki fɛ juruw dicogo la, wari feereli la, lakanafɛnw feereli la, a ɲɔgɔnnaw A ka c’a la, wari bilalenw hakɛ bɛ caya dɔɔnin ni i ye u suma ni waribonbonni ofisiyali ye. O la, nin wari bila sugu in bɛnnen don waridonnaw ​​ma minnu b’a fɛ k’u ka nafolo bali ka dɔgɔya.

Immobilier ka fɛnw

Ka wari bila sow ni dugukolow feereli la, o ye fɛɛrɛ wɛrɛ ye walasa ka wari mara ani ka sɔrɔ banbali sɔrɔ min tɛ baara kɛ. Sow nafa bɛ ka bonya tuma bɛɛ. Fɛn wɛrɛw cɛma, a bɛ se ka jate. Aw bɛ se ka wari bila sigiyɔrɔw ni jagokɛyɔrɔw la. Sɔrɔ hakɛ min bɛ sɔrɔ o waridon suguw la, o bɛ bɔ sannikɛlaw ni lokatɛriw ka yɔrɔ cɛɲi de la. Walasa ka wari bila, i ka kan ka so, so walima jagokɛyɔrɔ san, ka tila k’a jate ani ka sɔrɔ sɔrɔ. Fɛɛrɛ wɛrɛ bɛ yen min bɛ se ka kɛ ka wari bila dugukoloko la: nafolo dagalenw ka jatew sanni.

Bondw (Bonw).

Bond ye lakana ye, sosiyete walima gɔfɛrɛnaman ka IOU. Ni bond san, waridonna b’a ka nafolo juru don waati kɛrɛnkɛrɛnnen dɔ la, o kɔfɛ, a bɛ kɛmɛsarada latigɛlen sɔrɔ o la – kupon sɔrɔ. Waati tɛmɛnen kɔfɛ, nafolo minnu bilala, olu bɛ segin ka segin waridonna ma. Bond minnu faratiw ka dɔgɔ ani minnu bɛ sɔrɔ tuma bɛɛ, olu ye fédéral ka juruw ka bonw ye. Ni nin waridon suguya in ye, wari bilala bɛ garanti sɔrɔ ka juru sara, bawo garantiw bɛ di jamana de fɛ. Jɛkuluw ka bonw ye yiriwalikɛlaw, mobili dilannikɛlaw, a ɲɔgɔnnaw ka bonw ye. Sariya la, u bɛ tɔnɔw di minnu bɛ se kɛmɛsarada la kɔnɔntɔn ma. Nka a nafa ka bon k’a faamu ko ni nin waridon suguya in ye, farati dɔw bɛ yen – sosiyete bɛ se ka banki fili dɔrɔn, wa a tɛ juru sara.

Nafolo minnu bɛ jago kɛ ni fɛnw falenfalenni ye

ETFw ye sababu ɲuman ye ka i ka baara daminɛ waridonna kuraw ye. Nin fɛɛrɛ in bɛnnen don mɔgɔ minnu b’a fɛ ka wari bilali daminɛ, nka u t’a kɛcogo dɔn fɔlɔ ani u ka taama daminɛ yɔrɔ min na. Jago minnu bɛ kɛ boursew la, olu bɛ kɛ baarakɛlaw fɛ, wa waridonnaw ​​bɛ sɔrɔ dɔrɔn de sɔrɔ. Nafolo minnu bɛ jago kɛ ni fɛnw falenfalenni ye, olu dabɔli bɛ kɛ ɲɛmɔgɔyasobaw fɛ : u bɛ nafolodonni nafolomafɛnw lajɛ minnu tɛ faratiba la, ani waridonna kɛrɛnkɛrɛnnenw bɛ bolofara sɔrɔ ɲɔgɔndɛmɛ nafolosɔrɔsiraw la (
mutual investment fund ).

Dividende (jatebɔ) jatebɔw

Ni a bɛ jatebɔ san, waridonna bɛ sosiyete ka nafolo yɔrɔ dɔ tigi sɔrɔ ani ka jo sɔrɔ ka jatebɔ kɛ tɔnɔw la ni jatebɔbaga y’u sara. Nka, a nafa ka bon k’a faamu ko ka wari bila aksidanw na, o ye farati ye. O bɛ Bɔ u nafa caman yeli la tuma bɛɛ. A tɛ se ka kɛ ka sɔrɔta dɔn tigitigi o lakanafɛnw kan.

Baarakɛminɛn minnu bɛ kɛ ka nafolodonni kɛ ni timinandiya ye

Walasa ka wari bila ni timinandiya ye, aw bɛ se ka:

• jagokɛlaw ka bolomafaraw sugu la dilanbagaw fɛ ;
• i yɛrɛ ka jago dabɔ;
• ka franchise jago dɔ san;
• wari bila daminɛ na layidu talenw na.

Fɛn wɛrɛw cɛma, waridonna bɛ se ka bonw san ani ka tɔnɔ sɔrɔ u la.

Nafa ni dɛsɛ min bɛ sɔrɔ waridon suguya kelen-kelen bɛɛ la

Aw ye nin waridon suguya kelen-kelen bɛɛ fan ɲumanw ni fan juguw jateminɛ.

Investissement min bɛ baara kɛ

Nafa minnu b’a la:

1. Tɔnɔba min bɛ se ka sɔrɔ . Investisseurs actives ka laɲini fɔlɔ ye ka stock market gosi. Fɛɛrɛ in ye ka wari caman dilan ni sugu wulila ani ka bɔnɛ misɛnninw na.
2. Flexible belebele . A kɛra waridonna dɔ y’a yɛrɛ ka wari mara a yɛrɛ ma wo, walima a bɛ baara kɛ ni ɲɛmɔgɔyaso ka kapitali ye min bɛ baara la, fɛn caman bɛna kɛ tuma bɛɛ ni waridonna ye min bɛ baara kɛ. Jagokɛla bɛ sababu sɔrɔ ka nafolo bila sɔrɔko bolofara kɛrɛnkɛrɛnnenw na, ka jateminɛ kɛ sisan wariko sigida la ;
3. waridon sira caman .

Tiɲɛ don, wari bilali waleyali fana bɛ ni a nafabaw ye:

• faratiba minnu bɛ se ka kɛ;
• musakaw cayara.

Fɛn wɛrɛw cɛma, wari bilali baara la, o bɛ cɛsiri caman de wajibiya. Yan i ka kan ka to ka tugu sɔrɔko ni sugu kibaruyaw kɔ, ka waridoncogo kalan, a ɲɔgɔnnaw O waati kelen na, waridonna tɛna garanti si sɔrɔ ko o bɛna den.

Investissement Passif (Investissement Passive) ye

Nafa minnu bɛ sɔrɔ investissement passive la:

1. Tɔnɔ sɔrɔli ka nɔgɔn kosɛbɛ . Investisseurs actifs ka kan ka to ka jago ni suguya kibaruyaw kɔlɔsi, ka fara a kan ka to ka jago hakɛ dɔ kɛ u ka portfolio kɔnɔ u yɛrɛ ma. Investissement actif bɛ waati janba ta ka jago kɛ, k’a sɔrɔ investisseurs passives bɛ lɛrɛ fila dɔrɔn de kɛ san o san k’u ka investissements mara ;
2. Farati minnu bɛ sɔrɔ a la , olu dɔgɔyara . Investisseurs actifs bɛ faratiba la u ka investissements feere waati jugu la walima k’u san ni sugu bɛ a dan na. Investissement passive kɔnɔ, investisseurs bɛ investissements sɔrɔ k’u minɛ u yɛrɛ ye. Investisseurs pasifs tɛ hami u ka investissements feereli la waati jugu la, bawo u bɛ se ka jate kɛ dɔ farali basigilen kan waati jan kɔnɔ ;
3. Investissement suguya min ka dɔgɔ . Investisseurs pasifs tɛ transaction fees sara, investisseurs actives bɛ minnu sara tuma bɛɛ. Jagokɛlaw minnu tɛ baara kɛ, olu bɛ se k’u ka nafolo mara index nafolo kɔnɔ, minnu ka teli ka 0,10% ɲɔgɔn sara, wa tuma dɔw la, u bɛ dɔgɔya. Hali waridon jagokɛlaw minnu tɛ baara kɛ, n’olu b’u ka baara kɛ ni waridon ɲɛmɔgɔw ye, tuma caman na, u bɛ komisiyɔn caman sara ka tɛmɛ minnu bɛ jago kɛ ni waridon ɲɛmɔgɔw ye minnu bɛ baara kɛ.

Nka, dɛsɛ dɔw bɛ yan fana:

• tɔnɔ in ka dɔgɔ kosɛbɛ ni i ye a suma ni wariko waleyali ye . Jagokɛlaw minnu tɛ baara kɛ, olu ka teli k’a ɲini ka tugu sugu kɔ, u tɛ tɛmɛ a kan. Tulonkɛla ŋana minnu bɛ jago kɛ tuma bɛɛ, olu bɛ se ka sugu bonya dɔn, o sababu la u bɛ wariba sɔrɔ. A ka c’a la, wari bilali min tɛ kɛ, o bɛ nafa sɔrɔ cogo cɛmancɛ la.
• lakanani tɛ suguw ka jigin waati kunkurunnin kɔnɔ . Investissement passive kɔnɔ, jagokɛlaw tɛ jɔyɔrɔw feere sanni stock nafa ka jigin. A ka c’a la, u bɛ nisɔndiya k’a ye ko u bɛ ka sugu wulitaw ni jigintaw sɔrɔ.

Fɛɛrɛ min tɛ kɛ ka wari bila, o bɛ se ka gɛlɛya kɛrɛnkɛrɛnnenya la ka mara ni sɔrɔko kibaruyaw bɛ ka juguya, ni a nafa bɛ daminɛ ka dɔgɔya ni jagokɛla minnu bɛ baara kɛ, olu bɛ ka bɔ kaso la ani ni wale kɛli nege bɛ ka bonya. Investissement actifs ou passives: danfara ye mun ye – https://youtu.be/K8kwYb8XYFA

Investissement sugandicogo jumɛn bɛnnen don i ma: active walima passive

Investissement suguya min ka kan ka sugandi – bɛɛ ka kan k’a latigɛ a yɛrɛ ye. Investissement passif fan fɛ, o ye ko investisseur bɛ se ka suguya garanti garanti sɔrɔ (tiɲɛ don, ka komisiyɔn misɛnninw ni impositi bɔ) wa investissement yɛrɛ tɛna waati caman ta. N’an kumana wariko waleyali kan, teori la, jagokɛla bɛ sababu sɔrɔ ka sugu tɛmɛn, nka tɔnɔ ɲuman sɔrɔli cogoya ka dɔgɔ kosɛbɛ waati jan kɔnɔ. Fɛn wɛrɛw cɛma, jagokɛlaw minnu bɛ baara kɛ kosɛbɛ, olu ka kan ka waati caman kɛ ka bolomafaraw sɛgɛsɛgɛli kalan wa o tɛna ban yen – o baara bɛɛ kɔnɔ, lakana sɛgɛsɛgɛli tuma bɛɛ ani tuma bɛɛ, o bɛna kɛ wajibi ye. Tiɲɛ don, bɛɛ tɛ se k’o kɛ. A ka c’a la, o fɛɛrɛ sugu bɛnnen don mɔgɔw ma minnu bɛ se ka sɛgɛsɛgɛli kɛ ani k’u cɛsiri ka fɛn kura dɔ dege. Fɔ ka na se bi ma, i bɛ se ka sɔsɔli caman ye investissement passive ani active kan. Nka a nafa ka bon k’a faamu ko jagokɛla o jagokɛla ka laɲini laban tɛ ka baara kɛ ka tɛmɛ sugu kan, nka ka wariko kuntilenna sɔrɔ. O waati kelen na, a man kan ka ɲɔgɔn sɔrɔ ni sugu ye.
Tiɲɛ don, wari bilacogo caman bɛ yen. Mɔgɔ dɔ b’a latigɛ ka jɔyɔrɔba ta, dɔw b’u sinsin wariko kelenw sɔrɔli n’u minɛni kan waati jan kɔnɔ, dɔw fana b’a ɲini ka nin sira fila ninnu fara ɲɔgɔn kan. Tiɲɛ don, a ka c’a la, mɔgɔ fanba bɛ ɲɛ ni wari bilali ye min tɛ kɛ, nka kojugu si t’a la ka i ka portfolio yɔrɔ fitinin dɔ bila kɛrɛfɛ ani ka jago kɛcogo kɔrɔbɔ siɲɛ fila-fila.