Iyini i-Stock Market?
Imakethe yamasheya iyindawo yemakethe elawulwayo lapho Amasheya kukhona traded.
Imakethe yamasheya yindawo lapho abantu bethenga futhi badayise amasheya ezinkampani, ezimele ubunikazi bamaphesenti kuzo. E-United States, amasheya angaba kuphela traded ekuhwebeni okufana ne-New York Stock Exchange (NYSE) noma i-NASDAQ. Uma othile ethenga amasheya enkampani i-XYZ kumuntu ongumnikazi wawo, lowo muntu uba umnikazi we-XYZ futhi.
Iningi labantu litshala imali esitokweni lapho benethemba lokuthi inkampani yabo izokhula ngenani futhi ikhiqizele abatshalizimali imbuyiselo. Lokho kusho ukuthi uma othile etshala u-$1,000 ngesikhathi acabanga ukuthi inkampani yakhe izokhiqiza imbuyiselo engu-10% ngonyaka, ngemva konyaka owodwa bazothola u-$1,100 ($1,000 + 10% inzuzo).
Ukuthi Impilo Yezezimali Yenkampani Ilithinta Kanjani Inani Lempahla yayo
Uma impilo yezezimali yenkampani intengantenga, intengo yesitoko izothinteka kabi. Amasheya anenani elingaphezu kuka-$1.00 ngesheya ngalinye abhekwa “emalini” futhi ayahwetshwa emakethe evulekile. Uma impilo yezezimali yenkampani iba ngcono, maningi amathuba okuthi isitoko sayo sikhuphuke ngenani.
Lapho izimali zenkampani ziqala ukuba zimbi kakhulu, amasheya azo ngokuvamile azolahlekelwa inani ngokuhamba kwesikhathi. Lokhu kungenzeka ngenxa yezizathu eziningi: izikweletu ezandayo, ukuncipha kokukhula kwemali engenayo kanye nenzuzo, kanye nokukhuphuka kwezindleko zemali. Abatshalizimali bangase futhi baqaphele izinkinga phambi komphakathi jikelele futhi bathengise amasheya abo ukuze bathole enye imali noma bashintshele kumabhondi okubamba noma ukheshi esikhundleni samasheya ezinkampanini eziyingozi ezinamavelu amasheya ashintshashintshayo.
Uyenza Kanjani Imali Ngokutshalwa Kwezimali kwakho
Ukutshala imali kungaba umsebenzi onzima, futhi kuvame ukuba nzima ukwazi ukuthi ungaqala kanjani. Isu labaqalayo kungase kube ukuqala ngalezo zitshalomali ozazi kakhulu.
Isibonelo, uma unemali emakethe yamasheya, isinyathelo sakho esilandelayo singase sibheke ezikhwameni ezahlukene noma ukutshala izimali ezitokisini ezingazodwana ezihambisana kakhulu nemigomo yakho. Uma unemali ku-akhawunti yokulondoloza, isinyathelo sakho esilandelayo singaba ukuhlola ama-CD noma ezinye izinhlobo zezibambiso zeholo elingaguquki.
Okubalulekile lapha ukuthi uma uqala kungcono uqiniseke ukuthi utshala imali embonini noma esigabeni sempahla kunokutshala ezintsha ngokuphelele. ”
Kunezindlela ezahlukahlukene zokutshala imali yakho. Uma ufuna ukutshala imali ezitokisini noma forex, kubalulekile ukucabangela izingozi. Uma udinga ukubuyiselwa kwemali ngokushesha, ungacabangela ukutshala imali kwibhondi noma isitifiketi sediphozi.
Kwabaqalayo, kungcono ukungakwenzi ingozi imali eningi ngesikhathi esisodwa futhi uqale ngokutshala imali encane njengo-$200- $500 ukubona ukuthi imakethe isebenza kanjani ngaphambi kokutshala imali eyengeziwe. Lapho uqala, kubalulekile ukugcina imizwa yakho ilawule futhi usebenzise okuhle amasu ngokuphatha izimali ozitshalile ngaphambi kokuthi zilawule impilo yakho!
- Ungasebenzisa isilinganiso se-dollar-cost okusho ukutshala imali elinganayo ngezikhathi ezihlukene ukuze ukwehla nokwenyuka kungathinti yonke iphothifoliyo yokutshala imali. Ukulinganisa izindleko zedola kuyinqubo yokuthenga amasheya esitoko esithile ngezikhathi ezihlukahlukene, nangamanani ahlukene. Lokhu kuhlukile ekutshaleni yonke imali yakho ngosuku olulodwa ngoba kukuvumela ukuthi uthenge amasheya amaningi uma intengo iphansi. Isilinganiso sezindleko zedola singase futhi sisetshenziselwe ukonga isikhathi sokuthatha umhlalaphansi, isibonelo, ngokuba nemali ethile esitokweni kanti enye ngamabhondi. Uma kukhona ukwehla okukhulu emakethe, ngeke ulahlekelwe kakhulu ngoba uhlukene.
- Ungasebenzisa inhlanganisela yezitoko ezahlukene kanye nama-ETF ukuze uhlukanise ukutshalwa kwezimali kwakho. Ungatshali imali eningi kakhulu esitokweni esisodwa.
Ukutshala Amasu Wabasaqalayo
Ukutshala imali yakho kuyindlela enhle yokwenza imali eyengeziwe. Kodwa yimaphi amanye amasu abatshalizimali abasaqalayo abangawasebenzisa ukuze bakhe ukutshalwa kwezimali okuphumelelayo?
Abantu abaningi banomkhuba wokutshala imali emzileni ophephile. Lokhu kungenxa yokuthi abaqapheli ngokugcwele ubungozi obukhona nokuthi utshalomali lusebenza kanjani. Nokho, kubalulekile ukunaka ukuthi ukutshala imali emzileni ophephile kungase kungabi nenzuzo njengeminye imizila.
Amanye amasu adumile kwabaqalayo yilawa:
- Izimali zenkomba, ezikuvumela ukuthi utshale ezitokisini eziningi ngesikhathi esisodwa ngemali ephansi
- diversification, okwaba imali yakho ezimbonini ezahlukene nezinhlobo zokutshalwa kwezimali. Lokhu kungakusiza unciphise ubungozi ngokunciphisa ukuchayeka kwakho kunoma yimuphi umkhakha owodwa noma ukusebenza kwenkampani.
- I-Passive Investing, okusho ukutshala imali ngaphandle kokuhweba nge broker noma umeluleki
Iyiphi indlela engcono yokuqala ukutshala imali? Ayikho indlela “engcono kakhulu” yokutshala imali, kodwa kunezindlela ezithile ezivamile zabaqalayo ezingase zibe usizo: izimali zenkomba, izitoko zamazwe ngamazwe, amabhondi, isitoko ngasinye noma ETFs. Indlela ngayinye inezinzuzo zayo kanye nezinkinga zayo, futhi kubalulekile ukuthi ucabangele izidingo zakho ezithile ngaphambi kokukhetha inketho.
Kunezindlela ezimbili zabaqalayo zokutshala imali: ukuthenga nokubamba noma ukuhweba.
- Uma unomkhathizwe omude, isu lokuthenga nokubamba liwusizo. Ukuhweba, ngakolunye uhlangothi, kuzofaneleka kubatshalizimali besikhathi esifushane abangakwazi ukuhlala betshalwe entweni engase ingahambi ekuvuneni kwabo isikhathi eside.
- Isiqalo traders kufanele futhi iqale kancane ngokuhweba ngempahla eyodwa noma ezimbili ukuze kuncishiswe ubungozi.
Izinsiza zabatshalizimali
Ungaqala ngokufunda incwadi emayelana nokuhweba ngamasheya noma ngokutshala imali emakethe yamasheya. Lezi zincwadi zizokufundisa izinto eziyisisekelo zokutshala izimali, futhi zingase zihlanganise nezihloko ezifana nezindlela ezahlukene zokuhlukanisa iphothifoliyo yakho, ukuthi ungenza kanjani izinqumo ezinhle zokutshala izimali, nokuthi yikuphi ukutshalwa kwezimali okungcono kakhulu kuwe.
Noma qhubeka ufunda BrokerCheck njengoba sihlala sithumela ulwazi oluwusizo lwe traders kanye nabatshalizimali ngokufanayo.
Imibuzo Evame Ukubuzwa Nge-Stock Market
Iyini Imakethe Yamasheya?
Igama elithi "stock market" livame ukubhekisela kwenye yezinkomba ezinkulu zemakethe yamasheya, njenge-Dow Jones Industrial Average noma i-S&P 500. Imakethe yamasheya yilapho abatshalizimali bexhuma khona ukuthenga nokudayisa ukutshalwa kwezimali ngokuvamile, amasheya, okungamasheya. ubunikazi enkampanini yomphakathi.
Iyini i-Stock Market Movement?
Ungase ubone isihloko sezindaba esithi imakethe yamasheya ihambe kancane, noma ukuthi imakethe yamasheya ivaliwe noma yehla usuku. Ngokuvamile, lokhu kusho ukuthi izinkomba zemakethe yesitoko ziye phezulu noma phansi, okusho ukuthi amasheya angaphakathi kwenkomba azuze noma alahlekelwe inani lilonke.
Yini ukuthenga nokuthengisa amasheya?
Abatshalizimali abathenga futhi bathengise amasheya banethemba lokushintsha inzuzo ngalokhu kunyakaza kwamanani esitoko.
Yiziphi izingozi ezihlobene nokutshala imali?
Izilinganiso zisekelwe ekusebenzeni kwemakethe kwesikhathi esidlule, futhi ukusebenza kwangaphambilini akusona isiqinisekiso sokusebenza kwesikhathi esizayo. Ngeke uqiniseke ngekusasa lokutshalwa kwezimali kwakho. Zingakhuphuka noma zehle ngenani.
