Ngiphuma kulokho okuqondayo ukuthi yini iphothifoliyo yokutshala futhi iyavuma ukuthi kufanele ibe namathuluzi ahlukahlukene wokutshala imali.
Iphothifoliyo eyakheke kahle inamathuluzi wazo zonke izikhathi. Futhi amacala angaba muhle futhi mubi. Ngakho-ke, lapho uqoqa iphothifoliyo yokutshala imali, kubalulekile ukukwazi ukubikezela ubungozi.
Ake sithi uyaxoshwa kusasa. Leli cala kufanele lihlinzeke ngomcamelo wezezimali - imali ozophila kuyo. Kuyadingeka futhi ukumonga isimo sesilinganiso esibukhali se-mbumpi sezezimali. Uma idola liphindwe kabili kusasa, khona-ke kufanele ube nezinsolo ezanele zedola ukuze uzithengise ngokunenzuzo futhi uthenge ezinye izimpahla.
Isibonelo, ngithenga amadola unyaka omusha kuze kube yilapho inkambo iwa. Kepha angibakhumbuli hhayi ngqo, kodwa ngesimo se-eurobonds. Ngisebenzisa nokuvuka kwephothifoliyo yami ngonyaka. Ngenxa yalokho, nginephothifoliyo enhle yokutshala imali enekhono. Ngifuna wazi ukuthi uzokwenza kanjani esimweni esithile ekushintshanisweni kwesitoko.
Khumbula: Awunalo ilungelo lokuba yithemba. Labo abathengisa ngokushintshana ngethemba abalahlekile.Ukwakheka kwephothifoliyo yemali
Ngokungafani nabanye ababhali abaningi, ngeke ngikunikeze izinketho. Ngikutshela nje ukuthi yini okufanele ibe mathupha.- Imali. Ukusebenza kahle ngemali kuyo yonke imibono yabo. Okungukuthi, iphothifoliyo yakho kufanele ifake imali, okungeyona imali, imali ebekiwe kanye nemali. Ukunakwa okukhethekile kufanele kukhokhwe imali ngokunembile. Angizange ngibe yize. Sebenzisa imali kuzokuvumela ukuthi ugweme ukubopha iRussia. Kudinga ubungozi obuhlobene neRussia. Uma unenombolo enkulu yamadola noma enye imali, khona-ke ukunyuka kwalo ngentengo kuzoqala ukukujabulisa. Uhlukaniswe nesisindo sabantu abampofu abangenalo imali edonsayo futhi baqale ukuceba ngenxa ye-akhawunti yabo.
- Stock. Ukuthenga isiRussia nokwamanye amazwe. Futhi, amasheya aphesheya ahlanganiswe nedola, elakhula lona uqobo. Ngakho-ke ungenza inzuzo hhayi kuphela lapho kuphela intengo yentengo uqobo, kepha futhi ngenxa yokukhula kwedola.
- Amabhondi. Kunconywe ukubuyisela emuva ukugqolozela izibopho zangaphandle. Isibonelo, ama-EuroONnds athengwa ngohlobo lwemali futhi aqinisekisa isivuno sokushintshaniswa kwangaphandle. Futhi, uzothola elinye inani lemali lapho kukhululwa khona ibhondi.
- Impahla. Qiniseka ukuthi utshala imali kwezezakhiwo. Uma ungenazo imali eyanele, ungatshala imali ezikhwameni zezezakhiwo. Umbundu wokungena kuwo uphansi kakhulu, kepha uzoqala ukwenza imali ngosizo lwezenzo zezezakhiwo.
- Izinsimbi eziyigugu. Lokhu kungenye yezimali zokuqala okufanele ukwenze. Kuchithelwe cishe ngo-5-10% wabo bonke utshalomali. Njengoba izinsimbi zingalindelwe kakhulu ngenani lazo, khona-ke angithembeli kuzo. Futhi ngincoma ukusindisa kulolu hlobo lokutshala imali.
Ukutshalwa Kwezimali Okwengeziwe
Ngenhla, ngakhuluma ngezinto ezi-5 zezakhi eziyinhloko zephothifoliyo yanoma yimuphi umtshalizimali. Kepha zisobala, futhi ngifuna ukutshela futhi ngokutshala okungabonakali. Isibonelo, kufanele utshale imali emfundweni yakho nasekukhuleni komsebenzi. Lokhu futhi kungukutshala imali okuvumela ukuthi ukhuphule iholo lakho. Uma unesikhathi esanele namandla, dala imithombo eminingi yemali engenayo. Isibonelo, ngibandakanyekile ekuziphatheni okunenzuzo okungaphezu kwalokho engiya emsebenzini.
Khumbula ukuthi ukutshalwa kwemali kuzoletha imiphumela ebonakalayo kuphela lapho utshala imali isikhathi eside. Ngakho-ke, kubalulekile ukunakekela impilo yakho futhi ungalimazi. Lapho-ke ungaphila iminyaka engaba ngu-90 futhi ujabulele inzuzo kusuka ekutshalweni kwemali okwenzile ebusheni.
Sebenzisa izintandokazi zombuso
Angikwazi ukufaka amagama ambalwa ngesimo sethu. Kunentshisekelo, ukuze abantu bebengesabi ukutshala imali ekutshalweni kwemali. Ngale njongo, kwenziwa okuncamelayo. Ikakhulu, lapho usebenza ngama-pips, kungenzeka ukugwema ngokusemthethweni ukukhokha intela engenayo.