Kuyika ndalama mwachangu komanso mosasamala – zida, zabwino ndi zoyipa

Kodi kungokhala chete ndi yogwira njira ndalama, kumene kuyamba yogwira ndi kungokhala chete ndalama, ubwino ndi kuipa kwa njira iliyonse. Pazachuma chamsika, pali njira zingapo zomwe zimathandiza anthu kusunga ndikuwonjezera ndalama. Kuphatikiza pa kulandira malipiro aganyu, kapena phindu pakuyendetsa bizinesi yanu, mutha kuwonjezera ndalama zomwe mumapeza pongoyika ndalama mosasamala kapena mwachangu. Ndi chiyani, zida zandalama zomwe ziyenera kugwiritsidwa ntchito komanso ubwino wanji wakuchitapo kanthu komanso kuchitapo kanthu mwachangu, tikambirana m’nkhaniyi.

Kodi kuyika ndalama mosasamala ndi chiyani

Kuyika ndalama mopanda malire ndiko kupanga mbiri yamabizinesi osiyanasiyana kwa nthawi yayitali. Kuyika ndalama mosasamala kumasiyana ndi mitundu ina yandalama zandalama chifukwa zimatengera nthawi yochepa komanso khama kuti mupange phindu ndi mtundu woterewu. Ngati tiyerekeza ndalama zopanda ntchito ndi ndalama zogwira ntchito, ndiye kuti chachiwiri, kusanthula kofunikira kwa msika kumafunika, ndipo koyamba, ntchito yotere sichofunikira. Apa, wogulitsa ndalama amangosankha chida choyenera, kuchita zogawa zotetezedwa molingana ndi magawo osiyanasiyana ndikudikirira kuti alandire. Ndi ndalama zopanda malire, wogulitsa ndalama amalandira ndalama, zomwe zimakhala ndi dzina lomwelo – kungokhala chete. Mfundo yonse ya njira zopezera ndalama zotere yagona pakupangidwa ndi omwe amagulitsa magawo angapo, zomwe m’tsogolomu zidzabweretsa phindu lalikulu landalama. Ngati mbiriyo ipangidwa molondola, kuopsa kwa zotayika kudzachepetsedwa. Kwa nthawi yayitali, masheya omwe adakula adzatha kubisala zotetezedwa zina. Kusankha kuyika ndalama mosasamala – zabwino ndi zoyipa: https://youtu.be/N7iOSQG4hz0

Kodi yogwira ntchito ndalama

Kuyika ndalama mwachidwi ndi njira yopezera ndalama, momwe udindo wofufuza njira zopangira ndalama ndikupanga zisankho pakuyang’anira momwe ndalama zimakhalira zili ndi mwiniwakeyo. Monga lamulo, ndalama zogwira ntchito zimatsagana ndi zoopsa zina. Koma ndi ndalama zamtunduwu, phindu limatha kupezeka mwachangu kuposa momwe amapezera ndalama. Wogwira ntchitoyo akhoza kupanga phindu pokhapokha ndi chidziwitso chake, luso, khama ndi nthawi. Mwachitsanzo, popeza magawo mubizinesi inayake, ndikofunikira kuphunzira mosamalitsa msika ndi zachuma za bungwe kuti mumvetsetse mwayi wa chiyembekezo chowonjezera mtengo wa magawo.

Zida zandalama ziti zomwe zimapanga ndalama zopanda pake

Mandalama omwe ali ndi ndalama zokhazikika ndi ndalama zomwe amapeza muzinthu zomwe ndalama zomwe zimapeza zidzadziwikiratu. Ndi ndalama zomwe zimakupangitsani kuti mulandire ndalama zomwe mumapeza.

Madipoziti

Ma depositi m’mabanki amabweretsa ndalama zopanda ndalama, zomwe zimawerengedwa ngati peresenti. Kulipira kwa chiwongoladzanja kumachitika chifukwa cha phindu lomwe banki idalandira popereka ngongole, kugulitsa ndalama, zotetezedwa, ndi zina zambiri. Chifukwa chake, kusungitsa kotereku ndi koyenera kwa omwe amagulitsa ndalama omwe akufuna kuti ndalama zawo zisagwe.

Nyumba ndi zomangidwa

Kugulitsa malo ndi njira ina yopulumutsira ndalama ndikupeza ndalama zokhazikika. Malo ogulitsa nyumba akuwonjezeka nthawi zonse. Mwa zina, itha kubwerekedwa. Mutha kuyika ndalama m’nyumba zogona komanso zamalonda. Kuchuluka kwa ndalama kuchokera kuzinthu zoterezi kumadalira kukongola kwa malo kwa ogula ndi ogulitsa. Kuti mupange ndalama, muyenera kugula nyumba, nyumba kapena malo ogulitsa, ndikubwereketsa ndikupeza ndalama. Palinso njira ina yogulitsira malo ogulitsa nyumba: kugula magawo a ndalama zotsekedwa.

Mabondi

Bond ndi chitetezo, IOU ya kampani kapena boma. Pogula chomangira, Investor amabwereketsa ndalama zake kwa nthawi yeniyeni, ndiyeno amalandira gawo lokhazikika la izi – ndalama za kuponi. Pambuyo pa kutha kwa nthawiyo, ndalama zomwe adaziyika zimabwezeredwa kwa wogulitsa. Ma bond okhala ndi ziwopsezo zochepa komanso ndalama zomwe amapeza nthawi zonse ndi ma bond a ngongole ku federal. Ndi mtundu uwu wa ndalama, wosungira ndalama amatsimikiziridwa kuti adzalandira kubwezeredwa kwa ngongole, popeza zitsimikizo zimaperekedwa ndi boma. Mabungwe amakampani amaphatikiza ma bondi a opanga magalimoto, opanga magalimoto, ndi zina. Monga lamulo, amapereka phindu lofikira naini peresenti. Koma ndikofunikira kumvetsetsa kuti ndi ndalama zamtunduwu pali zowopsa zina – kampaniyo ikhoza kungowonongeka ndikusalipira ngongoleyo.

Ndalama zogulitsa malonda

Ma ETF ndi mwayi wabwino woyambira ntchito yanu kwa otsatsa atsopano. Njirayi ndi yoyenera kwa iwo omwe akufuna kuyamba kuyika ndalama, koma sadziwa momwe angachitire komanso komwe angayambire ulendo wawo. Kugulitsa pamsika wamasheya kumachitika ndi akatswiri, ndipo osunga ndalama amangolandira ndalama. Kulengedwa kwa ndalama zogulitsira malonda kumachitika ndi makampani oyang’anira: amasonkhanitsa ndalama zochepetsera chiopsezo chochepa, ndipo amalonda apadera amapeza ndalama mu thumba la ndalama (
mutual investment fund ).

Magawo agawidwe

Pogula gawo, wogulitsa amalandira umwini wa gawo la katundu wa kampaniyo ndi ufulu wopeza phindu kuchokera ku phindu ngati woperekayo akulipira. Komabe, ndikofunikira kumvetsetsa kuti kuyika ndalama m’masheya ndikowopsa. Izi ndichifukwa chakusintha kosalekeza kwa mtengo wawo. Ndizosatheka kudziwa molondola zokolola pazitetezo izi.

Zida zogwirira ntchito ndalama

Kuti mupange ndalama mwachangu, mutha:

• malonda ogulitsa pamsika kudzera mwa ma broker;
• pangani bizinesi yanu;
• gulani bizinesi ya franchise;
• perekani ndalama zoyambira zolonjeza.

Mwa zina, wogulitsa ndalama amatha kugula ma bond ndikupanga phindu kuchokera kwa iwo.

Ubwino ndi kuipa kwa mtundu uliwonse wa ndalama

Ganizirani zabwino ndi zoipa mbali iliyonse ya mitundu iyi ya ndalama.

Ndalama zogwira ntchito

Zabwino:

1. Phindu lalikulu . Cholinga chachikulu cha ochita malonda ogwira ntchito ndikugonjetsa msika wogulitsa. Njirayi imaphatikizapo kupanga ndalama zambiri pamene msika ukukwera ndikutaya zing’onozing’ono.
2. Kusinthasintha kwakukulu . Kaya wobwereketsa amayang’anira ndalama zake payekha kapena amagwira ntchito ndi likulu loyang’anira, nthawi zonse pamakhala kusinthasintha kwakukulu pakuyika ndalama mwachangu. Wosungitsa ndalama ali ndi mwayi wosamutsa ndalama kumagulu ena azachuma, poganizira momwe zinthu ziliri panopa;
3. Mipata yambiri yopezera ndalama .

Zachidziwikire, kuyika ndalama mwachangu kulinso ndi zovuta zake zazikulu:

• zoopsa zomwe zingatheke;
• kuchuluka kwa ndalama.

Mwa zina, ndalama zogwira ntchito zimafuna khama kwambiri. Apa muyenera kutsatira mosalekeza nkhani zachuma ndi msika, kuphunzira njira ndalama, etc. Pa nthawi yomweyo, Investor sadzalandira zitsimikizo zilizonse kuti izi zidzabala zipatso.

Passive Investing

Ubwino woyika ndalama mosasamala:

1. Kupeza phindu ndikosavuta kwambiri . Osunga ndalama omwe ali ndi chidwi ayenera kuyang’anira nkhani zamabizinesi ndi msika nthawi zonse, komanso kuchita zinthu zingapo pafupipafupi pawokha. Kuyika ndalama mwachangu kumatenga nthawi yayitali kuti agulitse, pomwe osunga ndalama amangowononga maola angapo pachaka ndikusunga ndalama zawo;
2. Zowopsa zochepa . Otsatsa malonda ali pachiwopsezo chachikulu chogulitsa ndalama zawo panthawi yolakwika kapena kuzigula pamene msika uli pachimake. Popanga ndalama mosasamala, osunga ndalama amapeza ndalama ndikudzisungira okha. Otsatsa malonda osadandaula sayenera kudandaula za kugulitsa ndalama zawo panthawi yolakwika, chifukwa akhoza kudalira kuwonjezeka kwa nthawi yaitali;
3. Ndalama zotsika mtengo . Osunga ndalama osalipira samalipira ndalama zomwe amagulitsa omwe amalipira nthawi zonse. Amalonda osakhazikika amatha kusunga ndalama zawo m’ndalama za index, zomwe nthawi zambiri zimalipira pafupifupi 0.10%, ndipo nthawi zina zochepa. Ngakhale ochita bizinesi omwe amangogwira ntchito limodzi ndi oyang’anira ndalama nthawi zambiri amalipira ndalama zochepa kuposa omwe amachita bizinesi ndi oyang’anira ndalama.

Komabe, palinso zovuta apa:

• Phindu ndilotsika kwambiri poyerekeza ndi ndalama zogwira ntchito . Amalonda osasamala nthawi zambiri amayesa kutsatira msika, osati kuuposa. Osewera odziwa zambiri omwe amapanga malonda nthawi zonse amatha kudziwa kukula kwa msika, chifukwa amapeza ndalama zambiri. Kuyika ndalama mosasamala nthawi zambiri kumabweretsa phindu lalikulu.
• Palibe chitetezo pakutsika kwa msika kwakanthawi kochepa . Popanga ndalama mosasamala, amalonda samagulitsa malo katunduyo asanagwere mtengo. Nthawi zambiri amasangalala kuti akukumana ndi kukwera ndi kutsika kwa msika.

Njira yochepetsera ndalama ingakhale yovuta kwambiri kusunga nkhani zachuma zikafika poipa, mtengo umayamba kutsika pamene ochita malonda akugwira ntchito ndipo chikhumbo chochitapo kanthu chimakula kwambiri. Ndalama zomwe zimagwira ntchito kapena zongokhala: pali kusiyana kotani – https://youtu.be/K8kwYb8XYFA

Ndi njira iti yogulitsira yomwe ili yoyenera kwa inu: yogwira ntchito kapena yongokhala

Ndi ndalama zotani zomwe mungasankhe – aliyense ayenera kusankha yekha. Kumbali ya kungokhala chete ndalama ndi kuti Investor adzatha kupeza wotsimikizika msika kubwerera (kumene, opanda makomiti ang’onoang’ono ndi misonkho) ndi ndalama palokha sizidzafuna nthawi yochuluka. Ngati tikukamba za kuyika ndalama mwakhama, mwachidziwitso wochita malonda ali ndi mwayi wopeza msika, koma mwayi wopeza phindu kwa nthawi yayitali ndi wochepa kwambiri. Mwa zina, amalonda ogwira ntchito ayenera kuthera nthawi yochuluka akuphunzira kusanthula kwa masheya ndipo izi sizidzatha – panthawi yonseyi, kusanthula pafupipafupi komanso kosalekeza kwachitetezo kudzafunika. N’zoona kuti si aliyense amene angachite zimenezi. Mwinamwake, njira yotereyi ndi yoyenera kwa anthu omwe angathe kusanthula ndi kuyesetsa kuphunzira zatsopano. Mpaka pano, mutha kuwona mikangano yambiri yokhudza kuyika ndalama mosasamala komanso yogwira ntchito. Koma ndikofunikira kumvetsetsa kuti cholinga chachikulu cha wochita malonda aliyense sichidutsa msika, koma kukwaniritsa cholinga chachuma. Panthawi imodzimodziyo, sikoyenera kupikisana ndi msika.
Inde, pali njira zambiri zopangira ndalama. Wina amasankha kuchitapo kanthu, ena amangoganizira za kupeza ndi kusunga ndalama zomwezo kwa nthawi yayitali, ndipo ena amayesa kuphatikiza njira ziwirizi. Zoonadi, anthu ambiri atha kukhala bwino ndi kuyika ndalama mosasamala, koma palibe cholakwika ndi kuika pambali gawo laling’ono la mbiri yanu ndikuyesera kuchita malonda kangapo.