Upangiri Wabwino Kwambiri pa Kugula ndi Kusunga Kuyika

1. Chidule cha Gulani ndi Kusunga Kuyika

1.1. Gulani ndi Kusunga Kugulitsa: Chidule

Kugula ndi kusunga ndalama ndi ndalama za nthawi yaitali strategy kumene osunga ndalama amagula m'matangadza, ma bond, kapena zotetezedwa zina ndikuzisunga kwa nthawi yayitali, nthawi zambiri zaka zisanu kapena kupitilira apo. Njirayi imadalira chikhulupiriro chakuti, ngakhale kusinthasintha kwa msika kwakanthawi kochepa, mtengo wa katundu wosankhidwa udzawonjezeka pakapita nthawi yaitali.

1.2. Mfundo Zazikulu Zakugula ndi Kusunga Ndalama

1. Kuwona Kwanthawi Yaitali: Njirayi ikuphatikizapo kudzipereka kuti asunge ndalama kwa zaka zingapo, mosasamala kanthu za nthawi yochepa Malonda osasunthika. Cholinga chachikulu ndikupindula ndi kuyamikira kwa nthawi yaitali kwa katundu.
2. Passive Management: Gulani ndi kusunga ndalama ndi njira yoyendetsera ndalama. Otsatsa ndalama amapanga zochepa trades, kuchepetsa nthawi ndi khama lofunikira kuti azitha kuyang'anira ntchito zawo mwachangu.
3. Kusafunikira kwa Nthawi Yamalonda: Njirayi imagwira ntchito pa mfundo yakuti n'zosatheka kuyika msika molondola. M'malo moyesera kugula zochepa ndikugulitsa kwambiri pakanthawi kochepa, osunga ndalama amayang'ana zomwe zingatheke kukula kwa nthawi yayitali.

1.3. Kuyenerera kwa Oyamba ndi Otsatsa Nthawi Yaitali

• Oyamba: Gulani ndikusunga ndalama ndi zabwino kwa omwe akuyamba kumene omwe sangakhale ndi nthawi kapena ukadaulo wochita nawo pafupipafupi malonda. Zimachepetsa kufunika kofufuza nthawi zonse msika ndi kupanga zisankho.
• Otsatsa Nthawi Yaitali: Njirayi ikugwirizana bwino ndi zolinga za omwe amasunga ndalama kuti apume pantchito, apeze ndalama zamtsogolo maphunziro, kapena kukwaniritsa zolinga zandalama za nthawi yaitali. Zimapangitsa kuti chiwongoladzanja chophatikizana chigwire ntchito kwa nthawi yayitali, zomwe zimapangitsa kukula kwakukulu.

Kugula ndi kusunga ndalama ndi njira yotsimikiziridwa kwa iwo omwe akuyang'ana kuti akwaniritse kukula kokhazikika popanda kupsinjika ndi zovuta zamalonda pafupipafupi. Kugogomezera kwake pakuwona kwanthawi yayitali komanso kasamalidwe kokhazikika kumapangitsa kuti zikhale zofikirika komanso zopindulitsa kwa oyamba kumene komanso osunga ndalama omwe akhalapo.

2. Ubwino Wogula ndi Kusunga Kugulitsa

Gulani ndi kusunga ndalama amakondweretsedwa chifukwa cha kuphweka kwake komanso kuthekera kwa kudzikundikira chuma kwa nthawi yayitali. Njira iyi, yomwe imaphatikizapo kugula zotetezedwa ndikuzisunga kwa nthawi yayitali, zimapereka zabwino zambiri zomwe zimapangitsa kuti zikhale zokopa kwa osunga ndalama ambiri. Tiyeni tilowe mu malonda achinsinsivantagekugula ndi kusunga ndalama.

2.1. Kuphatikizira: Mphamvu ya Kubwerera Kwanthawi Yaitali

Ubwino umodzi wofunikira kwambiri pakugula ndi kusunga ndalama ndi mphamvu ya chiwongola dzanja. Mukabweza ndalama zomwe mwapeza, monga zogawika, zopezazo zimabweretsa zobweza zawo. Pakapita nthawi, kuphatikizika uku kungayambitse kukula kwakukulu. Mwachitsanzo, wogulitsa ndalama yemwe adagula ndikukhala ndi magawo ku Apple kuyambira 2008 akadawona kubweza pafupifupi 900% pofika 2019.

2.2. Kuchepetsa Kupsinjika: Kuchepetsa Kugulitsa Mwamalingaliro

Kugula ndi kusunga ndalama kumachepetsa kufunika kowunika msika nthawi zonse, motero kuchepetsa kupsinjika kwamalingaliro komwe kumakhudzana ndi zisankho zamalonda pafupipafupi. Njira imeneyi imakhala yosadetsa nkhawa kwambiri chifukwa imapewa misampha yoyesa kugulitsa nthawi komanso imachepetsa chiyeso chopanga zinthu mopupuluma. trades zochokera kumayendedwe amsika akanthawi kochepa.

2.3. Mitengo Yotsika: Yachuma Kwa Nthawi Yaitali

Njirayi imakhalanso yotsika mtengo kusiyana ndi malonda ogwira ntchito. Pokhala ndi ndalama kwa nthawi yayitali, osunga ndalama amapeza ndalama zocheperako ndikupindula ndi misonkho yotsika mtengo. M'masiku ochepa patsogolo tradeMa misonkho amalipidwa ndi misonkho yokwera, pomwe ndalama zanthawi yayitali zimakhomeredwa pamtengo wabwino. Kuphatikiza apo, ndalama zopanda pake komanso ETFs, yomwe nthawi zambiri imagwiritsidwa ntchito pogula ndi kusunga njira, nthawi zambiri amakhala ndi ndalama zochepa zowongolera.

2.4. Zatsimikiziridwa Mwambiri: Umboni Wakupambana

Deta yakale imathandizira kugwira ntchito kwa kugula ndi kusunga ndalama. Mwachitsanzo, kuyika ndalama mu thumba la index monga S&P 500 m'mbiri yakale kumapereka kubweza kwapachaka pafupifupi 9.7%, kukulitsa kwambiri ndalama zoyambira kwazaka zambiri. Kukula kwanthawi yayitali uku kumabwera chifukwa chotha kuthana ndi kutsika kwa msika ndikupindula ndi kukula kwa msika wonse.

3. Kumvetsetsa Kugula ndi Kugwira motsutsana ndi Njira Zina

3.1. Gulani ndi Kugwira motsutsana ndi Kugulitsa Kwatsiku

Gulani ndikusunga Kuyika:

• Njira: Zimaphatikizapo kugula masheya kapena zitetezo zina ndikuzisunga kwa nthawi yayitali, nthawi zambiri zaka kapena makumi. Njirayi imayang'ana pa kuthekera kwanthawi yayitali kwa ndalamazo, kunyalanyaza kusinthasintha kwa msika kwakanthawi kochepa.
• Mtundu Woyang'anira: Kusakhazikika, kumafuna kasamalidwe kakang'ono ka tsiku ndi tsiku. Otsatsa amapanga kafukufuku wochulukirapo pamakampani ndikukhala ndi maudindo awo potengera kukula kwanthawi yayitali komanso zofunikira zamakampani.
• Kubereka ndi Mphotho: Amapereka kukhazikika komanso kupititsa patsogolo kukwera kwa msika pakapita nthawi. Otsatsa amapindula ndi ndalama zotsika mtengo komanso mitengo yabwino yamisonkho pamapindu anthawi yayitali. Komabe, pamafunika kuleza mtima komanso kuthekera kopirira kutsika kwa msika.

tsiku Kusinthanitsa:

• Njira: Zimaphatikizapo kugula ndi kugulitsa zida zandalama mkati mwa tsiku lomwelo la malonda. Ochita malonda amafuna kuti apindule ndi kayendetsedwe ka mitengo kwakanthawi kochepa ndipo nthawi zambiri amatseka malo onse kumapeto kwa tsiku lamalonda.
• Mtundu Woyang'anira: Yogwira ntchito komanso yozama kwambiri. Tsiku traders ayenera kuyang'anira zochitika za msika mosalekeza, ntchito kusanthula luso, ndi kupanga zisankho mwachangu potengera zenizeni zenizeni.
• Ngozi ndi Mphotho: Itha kukhala yopindulitsa kwambiri komanso imakhala ndi ziwopsezo zazikulu. Kugulitsa masana kumaphatikizapo chindapusa chokwera komanso mwayi wokulirapo chifukwa cha kusakhazikika kwamitengo yanthawi yochepa. Nthawi zambiri traders sizimapambana msika nthawi zonse, ndipo ambiri amawonongeka kwambiri.

3.2. Gulani ndi Kugwira motsutsana ndi Kuyika kwa Mtengo

Kugulitsa Ubwino:

• Njira: Imayang'ana pakuzindikiritsa masheya omwe amagulitsidwa pansi pa mtengo wake. Otsatsa amayang'ana makampani omwe ali ndi zikhazikitso zolimba koma zotsika mtengo kwakanthawi, pofuna kuyamikira kwanthawi yayitali popeza msika ukuzindikira kufunika kwake kwenikweni.
• Mtundu Woyang'anira: Itha kukwaniritsa njira yogula ndikusunga. Njira zonsezi zimaphatikizapo kufufuza mozama komanso malingaliro a nthawi yayitali. Komabe, osunga ndalama atha kugulitsa katundu akangofika pamtengo wake, pomwe ogula ndi kusunga osunga ndalama amatha kupitilizabe ngati kampaniyo ikuwonetsabe kukula.

4. Kuyamba ndi Kugula ndi Kugwira Investing

Kuyambitsa njira yogulira ndikusunga ndalama kumaphatikizapo njira zingapo zofunika zomwe zimakhazikitsa maziko aulendo wochita bwino pakuyika ndalama kwanthawi yayitali. Nawa kalozera wathunthu wokuthandizani kuti muyambe.

4.1. Tanthauzo Lanu Investment Horizon

Investment Horizon: Izi zikutanthauza kutalika kwa nthawi yomwe mukuyembekezera kuti musunge ndalama zanu musanafune kupeza ndalamazo. Kuti mugule ndikugwira, nthawi imeneyi imakhala zaka zisanu kapena kupitilira apo. Mukatalikirapo ndalama zanu, mungapindule kwambiri ndi kuwonjezereka ndikuchotsa kusakhazikika kwa msika.

Kufunika kwa Kaonedwe ka Nthawi Yaitali: Kuwona kwanthawi yayitali ndikofunikira pakugula ndi kusunga ndalama. Zimakuthandizani kuti musamangoganizira zofuna zanu zachuma ndikupewa kupanga zisankho mopupuluma potengera kusinthasintha kwa msika kwakanthawi. Njirayi ndiyothandiza makamaka pakusunga ndalama mukapuma pantchito, ndalama zamaphunziro, kapena zofunikira zina zachuma zamtsogolo.

4.2. Unikani Chiwopsezo Chanu Cholekerera

Kulekerera Pangozi: Kumvetsetsa kulekerera kwanu pachiwopsezo ndikofunikira. Uku ndi kuthekera kwanu kupirira zokwera ndi zotsika pamsika popanda kuchita mantha. Kulekerera kwanu pachiwopsezo kudzakhudza kugawidwa kwazinthu zanu ndi mitundu yandalama zomwe mungasankhe.

Zinthu Zomwe Zimayambitsa Kulekerera Kwangozi:

• Time Horizon: Kutalikirapo kwazachuma nthawi zambiri kumapangitsa kulolerana kwachiwopsezo chachikulu chifukwa pamakhala nthawi yochulukirapo yochira zomwe zingatayikire.
• Mtsinje wa Financial: Kukhala ndi thumba la ndalama zadzidzidzi komanso ndalama zina kungakupangitseni kupirira zoopsa, chifukwa simudalira kwambiri ndalama zomwe mumagulitsa kuti mupeze zosowa zanthawi yomweyo.
• Chitonthozo Chaumwini: Lingalirani za chitonthozo chanu ndi kusakhazikika kwa msika. Otsatsa ena amakonda kukhazikika, pomwe ena amatha kuthana ndi ziwopsezo zazikulu kuti abweretse phindu lalikulu.

4.3. Gwirizanitsani ndi Zolinga Zachuma

Zolinga Zachuma: Njira yanu yoyendetsera ndalama iyenera kugwirizana ndi zolinga zanu zachuma. Kaya mukusungira ndalama zopuma pantchito, kugula zinthu zambiri, kapena maphunziro a ana anu, zolinga zodziwika bwino zidzakuthandizani kukhala odzipereka pa njira yanu yogula ndi kusunga.

njira:

• Ndalama Zopuma pantchito: Ikani patsogolo kukula ndi kukhazikika kwanthawi yayitali.
• Ndalama za Maphunziro: Ganizirani nthawi yomwe ikuyandikira komanso ndalama zofunikira kuti muthe kulipira ndalama zamaphunziro.
• Zogula Zazikulu: Gwirizanitsani nthawi yanu yogulitsa ndalama ndi tsiku lomwe mukuyembekeza kugula kuti muwonetsetse kuti ndalama zilipo pakafunika.

5. Kumanga Kugula ndi Kusunga Portfolio

Kupanga zogulira zolimba ndikusunga mbiri kumaphatikizapo kusankha mosamala zinthu zomwe zimagwirizana ndi zolinga zanu zanthawi yayitali. Nawa kalozera wathunthu wokuthandizani kuti mupange mbiri yabwino.

5.1. Kugawa Katundu

Kugawidwa kwa Asset: Izi zikutanthauza kugawa kwandalama m'magulu osiyanasiyana azinthu, monga masheya, ma bond, ndi malo ndi malo, kuti muchepetse chiopsezo ndi mphotho potengera kulekerera kwanu pachiwopsezo komanso momwe mungasungire ndalama. Zosiyanasiyana zimafalitsa chiwopsezo ndikuchepetsa zotsatira za kusagwira bwino ntchito m'gulu lililonse lazachuma.

Equity Allocation: Nthawi zambiri, gawo lalikulu la ndalama zogulira ndikusunga zimaperekedwa ku mabungwe omwe ali ndi mwayi wopeza phindu lalikulu pakapita nthawi. Kuphatikizira kusakanikirana kwa masheya aku US ndi mayiko ena, masheya akuluakulu ndi ang'onoang'ono, komanso masheya amtengo wapatali ndi kukula, amatha kukulitsa zosiyana ndi kuthekera kwa kukula.

Fixed Income Allocation: Mabondi amapereka bata ndi ndalama. Kuphatikizira zonse zazifupi komanso zapakati za Treasury Bond, komanso Treasury Inflation-Protected Securities (TIPS), zitha kuteteza motsutsana. inflation ndi kupereka ndalama zodalirika.

5.2. Kusankha Kwamasheya

Zofunika za Kampani: Posankha masheya amtundu uliwonse, yang'anani kwambiri makampani omwe ali ndi maziko abizinesi amphamvu, kuphatikiza thanzi labwino lazachuma, mpikisano wamsika wamsika, kukula kosasintha, komanso kasamalidwe koyenera. Yang'anani makampani omwe ali ndi mbiri yopindulitsa komanso chiyembekezo chabwino chamtsogolo.

Kafukufuku Wamakampani: Kumvetsetsa zomwe zikuchitika mumakampani ndi zomwe zikuyembekezeka m'tsogolo ndizofunikira. Kuyika ndalama m'makampani otsogola m'mafakitale omwe akukula kumatha kubweretsa phindu lalikulu kwa nthawi yayitali. Pewani kuchulukirachulukira mumakampani amodzi kuti muchepetse ngozi.

Gawo Logawana: Masheya omwe amalipira magawo atha kubweretsa ndalama zokhazikika ndikuthandizira kubweza konse kwa mbiriyo kudzera mu kubweza kwa magawo. Yang'anani makampani omwe ali ndi mbiri yakuchulukitsa zopindulitsa pakapita nthawi.

5.3. Ndalama Zogulitsa Ndalama (ETFs)

ETFs: ETFs imapereka njira yopezera mwayi wopezeka mosiyanasiyana mudengu la masheya mkati mwa gawo limodzi. Ndiwotsika mtengo, amapereka mitundu yosiyanasiyana nthawi yomweyo, ndipo amatha kusinthidwa kuti agwirizane ndi zomwe mukufuna. Ma ETF otchuka akuphatikizapo omwe amatsata zizindikiro zazikulu monga S&P 500, komanso ma ETF apadera komanso apadziko lonse lapansi.

Paul Merriman's Ultimate Buy and Hold Portfolio: Mbiriyi ndi chitsanzo chodziwika bwino chomwe chimaphatikizapo kusakaniza kosiyanasiyana kwa US ndi mayiko akunja, kapu yaing'ono ndi katundu wamtengo wapatali, ndi ma bond. Lapangidwa kuti liwonjezere kubweza kwinaku mukuchepetsa chiopsezo kudzera mumitundu yosiyanasiyana.

6. Kukhazikitsa ndi Kuwongolera Kupitilira

Kukhazikitsa ndi kuyang'anira ntchito yogula ndi kusunga ndalama kumaphatikizapo kusankha njira yoyenera yopangira ndalama, kukonzanso nthawi zonse, komanso kudziwa zotsatira za msonkho. Nawa chitsogozo chokwanira chokuthandizani pazinthu zovuta izi.

6.1. Kusankha Investment Platform

Malingaliro a Investment Platform:

• Malipiro a Brokerage: Yang'anani nsanja zomwe zili ndi ndalama zotsika kapena zopanda malonda kuti muchepetse ndalama. Ambiri amakono brokerzaka zimapereka malonda aulere a masheya ndi ma ETF, omwe ndi opindulitsa panjira yogula ndikugwira.
• Mawonekedwe Akaunti: Onetsetsani kuti nsanjayi ili ndi zinthu zomwe zimathandizira njira yanu yopangira ndalama, monga kubwezanso makina, kubweza ndalama zogawira magawo, komanso kupeza zida zofufuzira mosavuta.
• Chiyankhulo cha Mtumiki: Mawonekedwe osavuta kugwiritsa ntchito atha kupangitsa kuti zikhale zosavuta kuyang'anira mbiri yanu ndikuwunika momwe mumasungira ndalama.

Mapulatifomu Otchuka:

• Ndalama za M1: Imadziwika chifukwa cha ndalama zake zosinthira zokha komanso ndalama zolipirira ziro, M1 Finance ndi chisankho chodziwika bwino pakukhazikitsa njira yogulira ndikusunga. Limaperekanso kusintha kosinthika kwa ma depositi atsopano.
• Vanguard: Amapereka ndalama zingapo zotsika mtengo komanso ma ETF omwe ndi abwino kwa osunga ndalama anthawi yayitali. Vanguard imadziwika ndi ntchito zake zolimba zamakasitomala komanso zothandizira maphunziro.
• Kukhulupirika ndi Schwab: Mapulatifomu onsewa amapereka zida zofufuzira zambiri, njira zogulitsira zotsika mtengo, komanso zosankha zingapo zandalama zoyenera kugula ndikusunga osunga ndalama.

6.2. Rebalancing Nthawi Zonse

Kufunika Kogwirizanitsa: Kuyanjanitsanso kumaphatikizapo kusintha kuchuluka kwa zinthu zosiyanasiyana zomwe zili mu mbiri yanu kuti musunge zomwe mukufuna. M'kupita kwa nthawi, mtengo wa katundu ukhoza kuchoka pa zomwe mukufuna kugawira chifukwa cha kayendetsedwe ka msika, ndipo kubwezeretsanso kumathandiza kuthetsa chiopsezo ndi kusunga njira yanu yopangira ndalama.

Rebalancing Strategies:

• Nthawi Zokhazikika: Bweretsaninso ndalama pachaka, semi-pachaka, kapena kotala kuti mbiri yanu ikhale yogwirizana ndi zolinga zanu. Mwachitsanzo, kukonzanso kotala kumawonetsetsa kuti ndalama zanu zizikhalabe zomwe mumafuna nthawi zambiri.
• Pansi pa Chiyambi: Kubwezanso ndalama pamene gulu la chuma likupatuka pa chigawenga chake ndi maperesenti ena (mwachitsanzo, 5% kapena 10%). Njirayi ingathandize kusamalira ndalama zamalonda popewa zosafunikira trades.

Performance Insights: Deta ikuwonetsa kuti njira zosiyanasiyana zosinthira zimatha kusokoneza magwiridwe antchito komanso kusakhazikika. Mwachitsanzo, kubwezeredwa kotala kotala kumatha kukupatsani chiwongolero pakati pa kusunga zomwe mukufuna ndikuwongolera ndalama zogulira.

3.2. Zotsatira za Misonkho

Zokhudza Misonkho:

• Mapindu a Nthawi Yaitali: Kukhala ndi ndalama zopitira chaka chimodzi kumawapangitsa kuti alandire msonkho wanthawi yayitali, womwe ndi wotsikirapo kuposa mitengo yanthawi yochepa.
• Malonda a msonkhovantaged Akaunti: Gwiritsani ntchito maakaunti ngati ma IRA ndi 401 (k)s kuti muchepetse misonkho pazopindula mpaka mutasiya. Ma Roth IRAs amalola kuti muchotse msonkho popanda msonkho mukapuma pantchito.
• Misonkho ya Dividend: Chenjerani ndi misonkho ya zopindula, makamaka ngati zabwezedwanso. Magawo oyenerera amakhomeredwa msonkho pamlingo wotsikirapo kuposa ndalama wamba.

Funsani Mlangizi wa Misonkho: Malamulo amisonkho amatha kukhala ovuta komanso amasiyana malinga ndi momwe zinthu zilili. Kufunsana ndi mlangizi wamisonkho kungakuthandizeni kukhathamiritsa njira yanu yoyendetsera ndalama kuti mugwiritse ntchito bwino misonkho.

7. Nkhawa Zodziwika ndi Zoganizira

Mukasankha njira yogulira ndikusunga, ndikofunikira kuthana ndi zovuta zingapo zomwe zimakhudzidwa ndi zomwe zimakuchitikirani kuti mutsimikizire kuti mukuyenda bwino pazachuma chanu chanthawi yayitali. Nazi mwachidule mbali zazikulu zomwe muyenera kukumbukira:

7.1. Kusakhazikika Kwamsika

Kutsika kwa Msika: Chimodzi mwazinthu zomwe zimakhudzidwa kwambiri ndi ogula ndi kusunga ndalama ndi kusakhazikika kwa msika. Kutsika kwakukulu kumatha kukhala kosokoneza, koma ndikofunikira kuyang'ana pamalingaliro anthawi yayitali. M'mbuyomu, misika imakonda kuchira komanso kukula pakapita nthawi, zomwe zimapangitsa kuti zikhale kofunika kukana kufunitsitsa kugulitsa panthawi yakugwa.

Kuleza Mtima ndi Chilango: Kupambana kwa njira yogulira ndikusunga kumadalira kwambiri kuleza mtima ndi kudziletsa. Popewa kutengera kusinthasintha kwa msika kwakanthawi kochepa, mutha kupindula ndi kukula kwa msika pakapita nthawi.

7.2. Kuyika ndalama mwamalingaliro

Kupewa Zosankha Zokhudza Mtima: Kuyika ndalama motengera malingaliro kumatha kupangitsa kuti musapange zisankho zolakwika, monga kugulitsa mwamantha pamsika watsika kapena kugula zinthu mopupuluma panthawi yamitengo. Kupanga lingaliro lamphamvu lazachuma ndikumamatira kumathandizira kuchepetsa kukhudzika kwamalingaliro pazosankha zanu zogulitsa.

Automating Investments: Zochita zokha zingathandize kuchepetsa kukhudzidwa kwa kuyika ndalama. Kukhazikitsa zopereka zokha ndi kubwezanso ndalama zitha kuwonetsetsa kuti ndalama zikuyenda bwino mosasamala kanthu za msika.

7.3. Principal ndi Price Risk

Chiwopsezo Chachikulu: Kuyika ndalama nthawi zonse kumakhala ndi chiwopsezo choti mtengo wandalama wanu uchepe, ndipo mwina simungabwezerenso ndalama zomwe munagulitsa poyamba. Kusiyanitsa mbiri yanu m'magulu osiyanasiyana azinthu ndi mafakitale kungathandize kuthana ndi izi.

Kuopsa kwa Mtengo: Gulani ndi kusunga osunga ndalama atha kukhala osakhudzidwa kwambiri ndi kusinthasintha kwamitengo, zomwe zingayambitse kugula pamitengo yokwera ndikusunga kutsika kwakukulu. Kuti muchepetse izi, ganizirani kuphatikizira mfundo zoyendetsera ndalama, pomwe mumayang'ana kwambiri kugula masheya osafunikira omwe ali ndi maziko amphamvu.

7.4. Kusinthasintha ndi Mtengo wa Mwayi

Kupanda Kusinthasintha: Njira yogulira ndikusunga imakhala yosasinthika poyerekeza ndi malonda omwe akugwira ntchito. Ngati msika ukusintha kwambiri, kapena ngati mukufuna kupeza ndalama zanu mwachangu kuposa momwe mumayembekezera, njira iyi singakhale yabwino. Kukhala ndi gawo la mbiri yanu muzinthu zamadzimadzi zambiri kungapereke kusinthasintha.

Mtengo wamwayi: Potsatira njira yanthawi yayitali, mutha kuphonya mwayi wanthawi yochepa womwe ungakupatseni phindu lalikulu. Kulinganiza njira yogulira ndikugwira ndi gawo laling'ono la njira zogwirira ntchito zitha kuthana ndi vutoli.

Kutsiliza

Chidule cha Zofunika Kutenga

Njira yogulira ndikusunga ndi njira yoyesedwa nthawi yayitali yomwe imayang'ana kwambiri kugula ndi kusunga ndalama kwa nthawi yayitali, nthawi zambiri zaka zisanu kapena kupitilira apo, mosasamala kanthu za kusinthasintha kwa msika kwakanthawi kochepa. Njirayi imamangidwa chifukwa chakuti misika imakonda kukwera pakapita nthawi, kulola kuti osunga ndalama oleza mtima apindule ndi kubwezeretsanso komanso kukula kwachuma chawo kwa nthawi yayitali.

Ubwino Wobwereza

1. Kubwereza Kubwereza: Pobweza ndalama zomwe amapeza, osunga ndalama amatha kubweza phindu lawo, zomwe zimakulitsa kukula kwanthawi yayitali.
2. Kuchepetsa Kupsinjika: Kuchepetsa kufunika kowunika nthawi zonse msika kumathandiza kupewa zisankho zamalonda komanso kuchepetsa nkhawa zokhudzana ndi ndalama.
3. Mitengo Yotsika: Zochita zochepa zimatanthawuza kutsika kwa ndalama zogulitsira malonda komanso kupereka msonkho kwabwino kwa phindu lanthawi yayitali.
4. Mbiri Yakale: Mbiri yakale imathandizira kuti kugula ndi kusungitsa bwino, pomwe osunga ndalama akanthawi yayitali amapeza phindu lalikulu.

Kukhazikitsa ndi Kuwongolera

• Sankhani Malo Oyenera: Sankhani malo opangira ndalama omwe ali ndi chindapusa chotsika, mawonekedwe okhazikika, komanso mawonekedwe osavuta kugwiritsa ntchito.
• Rebalancing Nthawi Zonse: Pitirizani kugawira chuma chomwe mukufuna pakugawana nthawi ndi nthawi kuti musamalire zoopsa ndikuwonetsetsa kuti zikugwirizana ndi njira yanu yopangira ndalama.
• Zokhudza Misonkho: Konzani mkhalidwe wanu wamisonkho potengera malonda amisonkhovantaged akaunti ndikumvetsetsa zotsatira za kupindula kwanthawi yayitali motsutsana ndi nthawi yochepa.

Kuthana ndi Mavuto Enanso

• Kusakhazikika kwa Msika: Yang'anani pamalingaliro anthawi yayitali ndikupewa kupanga zisankho mopupuluma panthawi yakutsika kwa msika.
• Emotional Investing: Sinthani mabizinesi ndikusunga njira yodziletsa kuti muchepetse kukhudzidwa kwamalingaliro.
• Principal ndi Price Risk: Phatikizani mbiri yanu ndikuphatikiza mfundo zoyendetsera ndalama kuti muchepetse chiopsezo.
• Kusinthasintha ndi Mtengo wa Mwayi: Sanjani mbiri yanu kuti mukhale ndi ndalama zina ndikuganiziranso kagawidwe kakang'ono ka njira zogwirira ntchito.

Zothandizira Kuphunzira Mopitilira

Kwa iwo omwe akufuna kukulitsa kumvetsetsa kwawo pa kugula ndi kusunga ndalama ndi misika yazachuma, zinthu zambiri zilipo:

• mabuku: Maina monga "The Intelligent Investor" lolemba Benjamin Graham ndi "Common Stocks and Uncommon Profits" lolemba Philip Fisher amapereka chidziwitso choyambirira.
• Online Maphunziro: Mapulatifomu monga Coursera ndi Udemy amapereka maphunziro a njira zoyendetsera ndalama komanso kukonza ndalama.
• Alangizi Azachuma: Kufunsana ndi mlangizi wazachuma kungakupatseni malangizo ogwirizana ndi zolinga zanu zachuma komanso momwe zinthu zilili.