How Much Formula To Give A 2 Week Old Managing the Income Portfolio

You are searching about How Much Formula To Give A 2 Week Old, today we will share with you article about How Much Formula To Give A 2 Week Old was compiled and edited by our team from many sources on the internet. Hope this article on the topic How Much Formula To Give A 2 Week Old is useful to you.

Managing the Income Portfolio

Isizathu sokuba abantu bacinge ukuba umngcipheko wotyalo-mali kwindawo yokuqala lithemba lokufumana umlinganiselo ophezulu wembuyekezo kunoko kufumaneka kwindawo engenamngcipheko…oko kukuthi, i-akhawunti yebhanki ye-inshorensi ye-FDIC. Umngcipheko uza ngeendlela ezahlukeneyo, kodwa i-avareji yeenkxalabo eziphambili zomtyali-mali “yityala” kunye “nomngcipheko wentengiso” … ngakumbi xa kuziwa kutyalo-mali lomvuzo. Umngcipheko wetyala ubandakanya amandla eenkampani, amaqumrhu karhulumente, kunye nabantu ngabanye, ukwenza okulungileyo kwizibophelelo zabo zemali; Umngcipheko wemarike ubhekiselele kwingqiniseko yokuba kuya kubakho utshintsho kwixabiso leMarike yezibambiso ezikhethiweyo. Sinokuyicutha eyokuqala ngokukhetha kuphela umgangatho ophezulu (ibakala lotyalo-mali) kwaye le yokugqibela ngokwahlukana ngokufanelekileyo, siqonde ukuba utshintsho lweXabiso leMarike luqhelekile, kwaye ngokuba nesicwangciso sokusebenza sokujongana nokuhla kunyuka okunjalo. (Yenza ntoni ibhanki ukufumana isixa senzala esiqinisekisayo kubagcini bemali? Yintoni eyenzayo ukuphendula kumlinganiselo ophezulu okanye ophantsi olindelekileyo kwinzala yemalike?)

Akunyanzelekanga ukuba ube nguMphathi woTyalo-mali oqeqeshiweyo ukuze ulawule ipotifoliyo yakho yotyalo-mali ngokuchubekileyo, kodwa kufuneka ube nesicwangciso sexesha elide kwaye wazi okuthile malunga noLwabiwo lweAsethi… isixhobo sombutho wepotfoliyo esihlala singaqondwa kakuhle kwaye phantse sisoloko sisetyenziswa ngendlela engafanelekanga. ngaphakathi kuluntu lwezemali. Kubalulekile ukuqaphela, kananjalo, ukuba awudingi inkqubo yekhompyuter enqabileyo okanye umboniso oqaqambileyo oneemeko zoqoqosho, uqikelelo lokunyuka kwamaxabiso, kunye noqikelelo lwemarike yemasheya ukuze uzenzele ulungelelwaniso ngokufanelekileyo nenjongo yakho. Udinga ingqiqo, ulindelo olufanelekileyo, umonde, uqeqesho, izandla ezithambileyo, kunye nomqhubi omkhulu. UMgaqo weKISS kufuneka ube sisiseko seSicwangciso soTyalo-mali lwakho; ugxininiso kwiNkunzi yokuSebenza iya kukunceda uLungisa, kwaye ulawule ipotifoliyo yakho yotyalo-mali.

UCwangciso loMhlalaphantsi kufuneka lugxininise kwingeniso eyongezelelweyo efunekayo kwipotfoliyo yotyalo-mali, kunye nefomula yoLwabiwo lweAsethi. [relax, 8th grade math is plenty] ezifunekayo ekufezekiseni injongo ziya kuxhomekeka kwizinto ezintathu kuphela eziguquguqukayo: (1) isixa-mali se-asethi yotyalo-mali engamanzi oqala ngayo, (2) isixa sexesha de kufike umhlala-phantsi, kunye (3) noluhlu lwenzala ekhoyo ngoku kwi-Investment Grade Securities. . Ukuba awuvumeli “injineli” yofuzo ithathe ulawulo, oku kunokuba yinkqubo elula. Nokuba usemncinci, kufuneka uyeke ukutshaya kakhulu kwaye uphuhlise ingeniso ekhulayo … ukuba ugcina ingeniso ikhula, ukukhula kweXabiso leMarike (okulindeleke ukuba unqule) kuya kuzinyamekela. Khumbula, ixabiso leMarike eliphezulu linokunyusa ubungakanani bomnqwazi, kodwa ayiwahlawuli amatyala.

Okokuqala thabatha nayiphi na ingeniso yepenshini eqinisekisiweyo kwinjongo yakho yomvuzo womhlalaphantsi ukuze uqikelele isixa esifunekayo kwipotfoliyo yotyalo-mali. Ungazikhathazi ngokunyuka kwamaxabiso kweli nqanaba. Okulandelayo, misela ixabiso leMarike elipheleleyo leepotfoliyo zakho zotyalo-mali, kubandakanywa izicwangciso zenkampani, ii-IRAs, ii-H-Bonds… yonke into, ngaphandle kwendlu, isikhephe, ubucwebe, njl njl. Le totali iphinda-phindwe ngoluhlu lwamazinga enzala afanelekileyo (6%, ukuya kwi-8% ngoku) kwaye, ngethemba, elinye lamanani anesiphumo liya kuba kufutshane nesixa ekujoliswe kuso oze ngaso kumzuzu odlulileyo. Ukuba uphakathi kweminyaka embalwa yobudala bokuthatha umhlala-phantsi, bangcono! Ngokuqinisekileyo, le nkqubo iya kukunika umbono ocacileyo wokuba umi phi, kwaye, yona ngokwayo, iwufanele umgudu.

Ukulungelelanisa iPotfoliyo kubandakanya ukwenza isigqibo ngoLwabiwo lweAsethi olufanelekileyo… kwaye oko kufuna ingxoxo ethile. Ukwabiwa kwee-asethi yeyona ngcamango ibalulekileyo nesoloko ingaqondwa kakuhle kwisichazi-magama sotyalo-mali. Eyona nto isisiseko yokubhideka luluvo lokuba iyantlukwano kunye noLwabiwo lwe-Asethi yinto enye. Ukwabiwa kwee-Asethi kwahlula ipotifoliyo yotyalo-mali kwiindidi ezimbini ezisisiseko zokhuseleko lotyalo-mali: Izabelo/izabelo zamashishini ezingenanzala emisiweyo kunye neeBonds/Iingeniso zeSecurities. Uninzi lweziqinisekiso zeBanga loTyalo-mali zingena ngokukhululekileyo kwenye yezi ndidi zimbini. Ukwahluka yindlela yokunciphisa umngcipheko elawula ngokungqongqo ubungakanani bomntu ngamnye njengepesenti yee-asethi zizonke. Imbono yesibini engeyiyo ichaza uLwabiwo lwe-Asethi njengendlela entsonkothileyo esetyenziselwa ukuthambisa umgca osezantsi wempembelelo yeentshukumo kwisitokhwe kunye namaxabiso ebhondi, kunye/okanye inkqubo ethi ngokuzenzekelayo (kunye nobudenge) isuse iidola zotyalo-mali ukusuka kuhlelo olubuthathaka lwe-asethi ukuya kwenamandla. isixhobo esifihlakeleyo “sexesha lentengiso”.

Okokugqibela, i-Asset Allocation Formula isoloko isetyenziswa gwenxa kwiinzame zokubeka phezulu isixhobo esisebenzayo sokucwangcisa utyalo-mali kumaqhinga aqikelelwayo angenazo iimfanelo zawo zokwenyani, umzekelo: ukubekwa ngokutsha kwepotfoliyo yonyaka, uhlengahlengiso lwexesha lemarike, kunye nokutshintshwa kweNgxowa-mali ye-Mutual. Ifomula yoLwabiwo lwe-Asethi ngokwayo ingcwele, kwaye ukuba yakhiwe ngokufanelekileyo, akufunekanga iguqulwe ngenxa yeemeko ezikwi-Equity okanye kwi-Fixed Income markets. Utshintsho kwimeko yobuqu, iinjongo, kunye neenjongo zomtyali-mali kuphela kwemiba enokuvunyelwa kwinkqubo yokwenza izigqibo kwi-Asset Allocation.

Nazi izikhokelo ezimbalwa ezisisiseko zokwabiwa kwee-Asethi: (1) Zonke izigqibo zoKwabiwa kwee-Asethi zisekelwe kwiSiseko seNdleko yezibambiso ezibandakanyekayo. Ixabiso leMarike langoku linokuba ngaphezulu okanye ngaphantsi kwaye ayinamsebenzi. (2) Nayiphi na iphothifoliyo yotyalo-mali eneSiseko seNdleko ye-100,000 yeedola okanye ngaphezulu kufuneka ibe nobuncinane be-30% etyalwe kwiiSecurity zeNgeniso, nokuba irhafiswa okanye ingahlawulelwa rhafu, ngokuxhomekeke kubume bepotfoliyo. Amaqumrhu arhoxisiweyo irhafu (zonke iintlobo zeenkqubo zomhlalaphantsi) kufuneka agcine isambuku seEquity Investments. Lo mgaqo usebenza ukusuka kwi-0 ukuya kwi-Retirement Age – iminyaka emi-5. Ngaphantsi kweminyaka engama-30, yimpazamo ukuba nepotifoliyo yakho eninzi kwi-Income Securities. (3) Zimbini kuphela iiNdidi zoLwabiwo lwe-Asethi, kwaye akukho nanye ekhe ichazwe ngenqaku lokugqibela. Yonke imali ekhoyo kwipotfoliyo ilungiselelwe icandelo okanye elinye. (4) Ukususela kuBudala boMhlalaphantsi – 5 ukuya phambili, uLwabiwo lweNgeniso kufuneka luhlengahlengiswe lunyuke de kube “uvavanyo lwenzala olufanelekileyo” lutsho ukuba ukwithagethi okanye ubuncinane kuluhlu. (5) Ngexesha lomhlalaphantsi, phakathi kwe-60% kunye ne-100% yepotfoliyo yakho kusenokufuneka ibe kwiZibambiso eziVela uMvuzo.

Ukulawula, okanye ukuzalisekisa, iSicwangciso soTyalo-mali siyakufezekiswa ngcono ngabo baziva bengaziva baphantsi, abona bathatha izigqibo, bazolile ngokwendalo, abanomonde, abangoongameleyo ngokubanzi (kungekhona ngokwezopolitiko), kwaye bazenzele ngokwabo. Utyalo-mali lixesha elide, lobuqu, olujolise kwiinjongo, alukhuphisani, izandla phezu, inkqubo yokwenza izigqibo engadingi zidanga eziphambili okanye isazi se-rocket IQ. Enyanisweni, ukuba krelekrele kakhulu kunokuba yingxaki ukuba unotyekelo lokuzihlalutya kakhulu izinto. Kuyanceda ukuseka izikhokelo zokukhetha izibambiso, kunye nokulahla. Umzekelo, ukunciphisa ukubandakanyeka kwe-Equity kwiBanga loTyalo-mali, i-NYSE, ukuhlawulwa kwesahlulo, inzuzo, kunye neenkampani ezibanjwe ngokubanzi. Ungathengi nasiphi na isitokhwe ngaphandle kokuba siphantsi ubuncinane kwi-20% ukusuka kwi-52 yeeveki eziphezulu, kwaye unciphise i-equity holders ibe ngaphantsi kwe-5% yepotfoliyo iyonke. Thatha inzuzo efanelekileyo (usebenzisa i-10% njengento ekujoliswe kuyo) rhoqo kangangoko kunokwenzeka. Nge-40% yoLwabiwo lweNgeniso, i-40% yengeniso kunye nezabelo ziya kwabelwa kwii-Income Securities.

Ukufumana iNgeniso eZinzileyo, gxila kukhuseleko lweBanga loTyalo-mali, ezinezivuno ezingaphezulu komndilili kodwa hayi “ezona ziphezulu kudidi”. Ngokhuseleko lweNgeniso eguquguqukayo, kunqande ukuthenga kufutshane neeveki ezingama-52 eziphakamileyo, kwaye ugcine ukugcinwa komntu ngamnye ngaphantsi kwe-5%. Gcina ii-stocks ezikhethwayo kunye neeBond zingaphantsi kwe-5% ngokunjalo. Izithuba ezivaliweyo zeNgxowa-mali zingangaphezulu kancinane kune-5%, kuxhomekeke kuhlobo. Thatha inzuzo efanelekileyo (ingeniso engaphezu konyaka omnye kwabaqalayo) ngokukhawuleza. Nge-60% ye-Equity Allocation, i-60% yenzuzo kunye nenzala iya kwabelwa kwi-stocks.

Ukubeka iliso kwiNtsebenzo yoTyalo-mali ngendlela yaseWall Street ayifanelekanga kwaye iyingxaki kubatyali-mali abajolise kwiinjongo. Ijolise ngenjongo kwi-dislocation yexesha elifutshane kunye neenguqu ze-cyclical ezingalawulekiyo, ukuvelisa ukuphoxeka rhoqo kunye nokukhuthaza iimpendulo zokuthengiselana ezingafanelekanga kwiziganeko zendalo nezingenabungozi. Idityaniswe neMedia echumayo ekuvuseleleni nantoni na engalunganga okanye engalunganga (uGoogle kunye no-Enron, uPeter Lynch noMartha Stewart, umzekelo), kuba nzima ukuhlala ikhosi kunye nasiphi na isicwangciso, njengoko iimeko zokusingqongileyo ziguquka. Okokuqala ukubawa, emva koko uloyiko, iimveliso ezintsha ezithatha indawo endala, kwaye zisoloko zithembisa into ebhetele xa, enyanisweni, imigaqo esisiseko ekruqulayo nendala zisawenza umsebenzi. Khumbula, ukungonwabi kwakho yeyona asethi inqwenelekayo eWall Street. Musa ukubahlekisa, kwaye uzikhusele. Sekela iinzame zakho zokuvavanya ukusebenza kwimpumelelo yenjongo … eyakho, hayi eyabo. Nantsi indlela, ngokusekelwe kwiinjongo ezintathu ezisisiseko ebesithetha ngazo: Ukukhula kweSiseko soMvuzo, iMveliso yeNzuzo evela kuRhwebo, kunye noHlumo lulonke kwiNkunzi yokuSebenza.

I-Base Income ibandakanya izabelo kunye nenzala eveliswa yipotifoliyo yakho, ngaphandle kweenzuzo ezifunyenweyo eziyinkunzi ekufuneka eneneni ibe linani elikhulu ixesha elininzi. Kungakhathaliseki ukuba uyisika njani na, intuthuzelo yakho yoluhlu olude ifuna ukunyusa umvuzo rhoqo, kwaye ngokusebenzisa isiseko seendleko zepotifoliyo yakho iyonke njengomlinganiselo, kulula ukumisela ukuba ungayityala phi imali oyiqokelelayo. Njengoko inxalenye yedola nganye eyongeziweyo kwipotfoliyo iphinde yabelwa kwimveliso yengeniso, uyaqinisekiswa ngokuyinyusa iyonke ngonyaka. Ukuba ixabiso leMarike lisetyenziselwa uhlalutyo, unokugalela imali eninzi kakhulu kwi-stock market ewayo ukonakalisa iinjongo zakho zomvuzo omde.

Imveliso yeNzuzo bubuso obonwabileyo bokuguquguquka kwexabiso lemarike okuluphawu lwendalo lwazo zonke izibambiso. Ukufumana inzuzo, kufuneka ukwazi ukuthengisa izibambiso ezo uninzi lwamaqhinga otyalo-mali (kunye nabacwangcisi-zincwadi) abafuna ukuba utshate nabo! Abatyali-mali abaphumeleleyo bafunda ukuthengisa abo babathandayo, kwaye rhoqo (ewe, ixesha elifutshane), ngcono. Oku kubizwa ngokuba yintengiso, kwaye ayilogama elinoonobumba abane. Xa unokufika kwindawo apho ucinga ngeziqinisekiso onazo njengoluhlu lwezinto ezikumgangatho ophezulu kwiishelufa zepotfoliyo yakho yobuqu, ufikile. Awuyi kubona iWalMart ibambele amaxabiso aphezulu kunophawu lwabo oluqhelekileyo, kwaye akufanelekanga nawe. Nciphisa uphawu kwiintshukumo ezicothayo, kwaye uthengise iimpahla ezonakeleyo ozibambe ixesha elide kwilahleko ukuba kuyanyanzeleka, kwaye, ebunzimeni bayo yonke into, zama ukuqikelela ukuba umgangatho wakho, iNgxelo yeAkhawunti yeWall Street iza kukubonisa. … ipotifoliyo yezibambiso ze-equity ezingekaphumezi iinjongo zazo zenzuzo kwaye mhlawumbi zikwindawo engalunganga yeXabiso leMarike kuba uthengise abaphumeleleyo kwaye endaweni yabo ufake uluhlu olutsha… udibanisa amandla okufumana! Ngokufanayo, uyakubona iqela labantu abafumana umvuzo abahlukeneyo, abohlwaywa ngokulandela utyekelo lwabo lwendalo (kulo nyaka), ngamaxabiso aphantsi, nto leyo eya kukunceda unyuse isivuno sepotfoliyo yakho kunye nokuhamba kwemali iyonke. Ukuba ubona iimpawu ezinkulu zokudibanisa, awuyiphathi kakuhle ipotifoliyo.

Ukukhula kweNkunzi eSebenzayo (isiseko seendleko zepotfoliyo iyonke) yenzeka, kwaye ngeqondo eliya kuba phakathi kwembuyekezo engumndilili kwiiSecurity zeNgeniso kwipotfoliyo kunye nenzuzo epheleleyo efunyenweyo kwiEquity inxalenye yepotfoliyo. Iza kuba phezulu ngezabelo zeEquity ezinkulu kuba ukurhweba rhoqo kuvelisa ireyithi yembuyekezo ephezulu kuneendawo ezikhuselekileyo kuLwabiwo lweNgeniso. Kodwa, kwaye oku kukhulu kakhulu kodwa ukungayinaki njengoko usondela kumhlalaphantsi, inzuzo yokurhweba ayiqinisekiswanga kwaye umngcipheko welahleko (nangona uncitshiswe ngenkqubo yokhetho olunengqiqo) mkhulu kunokuba kunjalo nge-Income Securities. Yiyo loo nto uLwabiwo lwe-Asethi lusuka kwenkulu luye kwipesenti ye-Equity encinci njengoko usondela kumhlalaphantsi.

Ke ngaba ikhona ngokwenene into efana nePotfoliyo yeNgeniso ekufuneka ilawulwe? Okanye ngaba ngokwenene sijongana nepotifoliyo yotyalo-mali efuna uLwabiwo lwe-Asethi lutshintshwe ngamaxesha athile njengoko sisondela kwixesha lobomi xa kufuneka linike i-yacht … kunye nemali yegesi ukuyiqhuba? Ngokusebenzisa i-Cost Basics (i-Working Capital) njengenani elifuna ukukhula, ngokwamkela ukurhweba njengento eyamkelekileyo, nokuba i-conservative, indlela yokulawula iipotfoliyo, kunye nokugxila ekukhuleni kwengeniso endaweni ye-ego, yonke le nto yotyalo-mali yomhlalaphantsi iba yinto eyoyikisayo kakhulu. Ke ngoku unokugxila ekutshintsheni ikhowudi yerhafu, ukunciphisa iindleko zokhathalelo lwempilo, ukugcina uKhuseleko lweNtlalo, kunye nokonakalisa abazukulwana.

Video about How Much Formula To Give A 2 Week Old

You can see more content about How Much Formula To Give A 2 Week Old on our youtube channel: Click Here

Question about How Much Formula To Give A 2 Week Old

If you have any questions about How Much Formula To Give A 2 Week Old, please let us know, all your questions or suggestions will help us improve in the following articles!

The article How Much Formula To Give A 2 Week Old was compiled by me and my team from many sources. If you find the article How Much Formula To Give A 2 Week Old helpful to you, please support the team Like or Share!

Rate Articles How Much Formula To Give A 2 Week Old

Rate: 4-5 stars
Ratings: 3981
Views: 27643179

Search keywords How Much Formula To Give A 2 Week Old

How Much Formula To Give A 2 Week Old
way How Much Formula To Give A 2 Week Old
tutorial How Much Formula To Give A 2 Week Old
How Much Formula To Give A 2 Week Old free
#Managing #Income #Portfolio

Source: https://ezinearticles.com/?Managing-the-Income-Portfolio&id=108378