Kuyini ukusetha kabusha okuzenzakalelayo?

Iphothifoliyo yakho kufanele ilingane, kungakhathaliseki ukuthi utshale kanjani. Iphothifoliyo ebhalansiswe kahle iqinisekisa ukuthi ukwabiwa kwempahla yakho kuyahambisana nezinjongo zakho zokutshala imali. Ukulinganisa kabusha okuzenzakalelayo kungaba isici esihle uma ukhetha ukuwenza ngokwakho umsebenzi.

Lesi sihloko sizochaza ukuthi kuyini ukusetha kabusha okuzenzakalelayo futhi sikunikeze amathiphu okuthi ungakwenza kanjani. Lokhu kuzokuvumela ukuthi usebenzise ngokugcwele iphothifoliyo yokutshala imali ehlukahlukene evumelana nezidingo zakho.

Ingabe ukulinganisa kabusha okuzenzakalelayo kungenzeka?

Ukulinganisa kabusha okuzenzakalelayo kubhekisela enqubweni yokulinganisa kabusha ngokuzenzakalelayo iphothifoliyo yakho uma ingalingani. Ukwabiwa kwempahla yakho kungase kungalingani ngenxa yokuguquguquka kwemakethe.

Isibonelo, uma unephothifoliyo yesitoko/yebhondi engu-50% kanye nokuphahlazeka kwemakethe yamasheya, iphothifoliyo yakho izovele ibe nzima kakhulu kumabhondi alondolozayo kunamasheya. Uma ukushiye kanjalo, ubungeke uyithole imbuyiselo obuyilindele ekupheleni kwethemu yakho, ngoba amabhondi adla ngoludala.

Ngesici sokulinganisa kabusha okuzenzakalelayo, uzobuyisela iphothifoliyo yakho esabelweni esifanele ngokuthengisa izitoko ezeqile futhi uthenge ezinye zalezo ezingenayo iphothifoliyo yakho. Lokhu kuzoqondanisa ngokuzenzakalelayo iphothifoliyo yakho nokwabiwa kwempahla oyikhethayo.

Abacebisi be-Robo Abaningi banikeza izici zokulinganisela kabusha okuzenzakalelayo eziqeda ukucindezeleka futhi zikusize ulale kangcono.

Ukusetha kabusha okuzenzakalelayo kusebenza kanjani?

Ukulinganisa kabusha okuzenzakalelayo kwenzeka ngokuzenzakalelayo. Ngokushesha nje lapho isabelo sakho sephothifoliyo sichezuka kulokho okuhlosiwe, i-algorithm yenkampani yakho yomthengisi noma ye-Roboadvisor iyangena futhi ilungise inkinga. Abathengi abaningi kanye namaRoboadvisors banikeza izinketho. Ungakhetha ukulinganisa kabusha iphothifoliyo yakho nyanga zonke, ngekota, noma ngonyaka.

Kuye ngokukhetha kwakho, bazothengisa izitoko oneziningi kakhulu futhi basebenzise inzuzo ukuthenga izitoko oshoda ngazo. Lokhu kuzolungisa ama-akhawunti akho ukuze abe nezabelo zakho.

Sebenzisa isici sokusetha kabusha ngokuzenzakalela ukuze uzuze

Ukusetha kabusha okuzenzakalelayo kunikeza izinzuzo eziningi kubatshalizimali, njengalezo okuxoxwe ngazo ngezansi.

Ukutshalwa kwezimali manje akunamizwa

Kulula ukwenza izinqumo ezithinta imizwa ezivame ukuholela enhlekeleleni . Uma imakethe iwela phansi noma isitoko esithile onaso sehla ngokushesha, ungase ucabange ukuthi kuwumqondo omuhle ukusithengisa bese wonga imali yakho. Kodwa ngezinye izikhathi leso akusona ikhambi elingcono kakhulu.

Isu lokuthenga nokubamba ngokuvamile lisebenza kakhulu, kodwa kunzima ukulenza uma ubona amalungelo akho ezinto ezikhishwayo eshintsha kakhulu. Esikhundleni sokusabela ngokomzwelo ezinguqukweni zephothifoliyo yakho, kungcono ukuphumula wazi ukuthi umeluleki we-robo uzophinde asabalalise ngokufanele.

Nciphisa ingozi

Uma ungalingani kabusha iphothifoliyo yakho, usemseni wemakethe. Ngamanye amazwi, imakethe inquma isabelo sakho, okungenzeka ukuthi akuyona into oyifunayo.

Amaphothifoliyo angalinganiswanga kabusha angenza iphothifoliyo ibe nolaka kakhulu. Ungayenza futhi ingabi nolaka, kuye ngokuziphatha kwemakethe nezinjongo zakho. Ngokuhlala uphezu kwesabelo sakho, uyaqinisekisa ukuthi ubungozi bephothifoliyo yakho abushintshi ngokuya ngendlela oyimisa ngayo.

Ngokusekelwe emigomeni yakho, yabela kabusha amafa

Cishe usethe iminqamulajuqu ethile nemihlahlandlela lapho udala iphothifoliyo yakho. Zonke izibalo nemibandela kufanele kubhekwe lapho kwabiwa izimali, kodwa ukushintshashintsha kwezimakethe kungashintsha ngaphandle kwesaziso.

Uma ungabeki kabusha iphothifoliyo yakho, asikho isiqinisekiso sokuthi uzofinyelela imigomo yakho esikhathini osibekele sona. Lokhu kungase kubangele ukucindezelwa okungadingekile, kanye/noma kwenze kube nzima ukwenza ukutshalwa kwezimali okunengqondo ukuze uthole imali yakho.

Linganisa iphothifoliyo yakho

Uzoba nesabelo esifanele uma ubhalansisa iphothifoliyo yakho. Usengozini yokulahlekelwa ibhalansi yakho uma uvumela imakethe inqume isabelo sakho. Kuthiwani uma ungazizwa ukhululekile ngesabelo esisha? Kungase kubonakale kuvamile kakhulu noma kuyingozi kakhulu ngezinsuku zakho zokugcina nezinjongo zakho.

Ihlinzeka ngesilinganiso sezindleko zamadola

Uma usunokusetha kabusha ukulinganisa okuzenzakalelayo, uthenga izimpahla ngentengo yazo yamanje, kungakhathaliseki ukuthi ingakanani leyo ntengo ngesikhathi osidingayo ukuze ulinganisele futhi. Awulindi intengo ehamba phambili, kodwa kunalokho tshala ngezikhathi ezihlukene ukuze uthole okuningi kuphothifoliyo yakho. Ungafinyelela izintengo ezinhle nezimbi ngale ndlela yokulinganisa izindleko zedola, kodwa inani lentengo liphezulu ekugcineni.

Ukuvumelana nezimo ekutshalweni kwezimali

Amaphothifoliyo alinganiswe kabusha ngokuzenzakalelayo nawo ayavumelana nezimo. Akudingekile ukuthi wenze izinguquko zokwabiwa kuphela uma iphothifoliyo yakho "ivaliwe." Ungaphinda uthenge futhi udayise phakathi kokulinganisa okuzenzakalelayo.

Ungakhetha phakathi kokutshala impahla ethile noma ukuyisusa. Ungenza izinguquko kuphothifoliyo yakho uma impahla ishintsha isabelo sayo.

Lokhu kuyindlela enhle kulabo abakhetha indlela yokuzimela

Ukubala ukwabiwa kwempahla yakho kudla isikhathi futhi kuvame ukungaphezu kwamandla. Ukubuyela emuva ohlangothini lwemizwa lokutshala imali, ungenza izinqumo ngokungananazi lapho ubala okwakho ukwabiwa kwempahla bese ugxumela endaweni engenalutho noma ungene kuqala lapho kungafanele.

Ukulinganisa kabusha okuzenzakalelayo kunikeza indlela yokuvala izandla, ukuze uqiniseke ukuthi iphothifoliyo yakho isezandleni ezinhle, kodwa akudingekile ukuba wenze umsebenzi ukuze uyithole.

Isibonelo sokusetha kabusha okuzenzakalelayo

Nawu umfanekiso wokukusiza ubone ngeso lengqondo ukuthi ukulinganisa kabusha okuzenzakalelayo kubukeka kanjani.

UJohn wakha iphothifoliyo yomhlalaphansi enamasheya angu-35%, amabhondi angu-25%, kanye nezinye izimali ezitshaliwe ezingu-40%. Ngemva kwezinyanga ezimbalwa, imakethe yaba nezinxushunxushu, futhi iphothifoliyo kaJohn yagcina isiba ngamasheya angu-50%, amabhondi angu-10%, kanye no-40% wezinye izimali ezitshaliwe.

UJohn wayengakufuni lokhu, futhi imigomo yakhe yabekwa engozini. Kodwa ngokulinganisa kabusha okuzenzakalelayo, umeluleki wakhe we-robo wathengisa amasheya engeziwe, waphinde watshala imali kumabhondi, futhi wabuyisela iphothifoliyo kaJohn esabelweni esimfanele. Kuyacaca ukuthi inketho yokusetha kabusha ngokuzenzakalela ingaba yinzuzo kakhulu

Amathiphu okulinganisa kabusha okuzenzakalelayo

Uyafuna ukuyizama? Lawa amathiphu okufanele uwakhumbule uma ufuna ukulinganisa kabusha ngokuzenzakalelayo iphothifoliyo yakho.

1. Kufanele ubheke abeluleki be-robo noma abadayisi abanikeza ukulinganisa okuzenzakalelayo

Ukulinganisa kabusha okuzenzakalelayo akutholakali kubo bonke abeluleki noma abadayisi. Uzoba nempumelelo eyengeziwe ngabacebisi be-robo, njenge- Mejora , i-Wealthfront , ne -SoFi . Bonke banikeza ukulinganisa kabusha okuzenzakalelayo.

Abathengisi bendabuko , njengeVanguard , Loyalty , kanye noCharles Schwab, banikeza ukulinganisa kabusha okuzenzakalelayo ngezinkampani eziningana, okuhlanganisa nalezi.

2. Uma kunemiphumela yentela, ungasebenzisa ithuba lokuphinda ubhale kabusha ngokuzenzakalelayo ama-akhawunti akho omhlalaphansi

Uma uphinda ulinganise iphothifoliyo yomhlalaphansi (isimo esivame kakhulu), ungase ungadingi ukukhokha intela uma uthengisa izimpahla . Ungangena ku-akhawunti. Kodwa-ke, awukwazi futhi ukuguqula noma yikuphi ukulahlekelwa okubangelwe uma uthengisa izimali ezitshaliwe ngokulahlekelwa.

Ukulinganisa kabusha okuzenzakalelayo kungenzeka ngoba akukho miphumela yentela ye-akhawunti yomhlalaphansi. Kungenzeka ukuthi kube nokwehlukahluka okwanele kanye nokwabiwa kwempahla, kungakhathaliseki ubudala kanye nohlelo lomhlalaphansi. Isibonelo esisodwa yisikhwama somhlalaphansi sosuku oluqondiwe.

3. Ukulinganisa kabusha okuzenzakalelayo kungasetshenziswa ukuze kuzuze ukwehla kwezimakethe nokuthenga izimpahla ngesaphulelo.

Ungazuza ngezintengo eziphansi ngokusebenzisa ukulinganisa kabusha okuzenzakalelayo uma imakethe iphansi kanjalo nesabelo sakho. Ungathola okuningi ngemali yakho. Ungakwazi, isibonelo, ukushintsha izimali zakho zebhondi zezikhwama zesitoko.

Njengoba kungadingeki ukuba wenze izibalo, uzuza izinzuzo ngaphandle kokwenza umsebenzi. Ukulinganisa kabusha okuzenzakalelayo kuhambisa yonke imali yakho ngokuzenzakalelayo.

4. Uma udala i-akhawunti yakho, qiniseka ukuthi ukhetha izilungiselelo zokulinganisa kabusha ezizenzakalelayo

Abacebisi beRobo bakuvumela ukuthi usethe umkhawulo wokulinganisa kabusha okuzenzakalelayo. Isibonelo, uma ungenandaba nokuchezuka okuncane kuphothifoliyo, ungasetha iphuzu ofuna ukuthi iphothifoliyo ilinganisele futhi.

Abeluleki beRobo bakunikeza inketho yokusetha imvamisa. Abanye bakwenza ngokuzenzakalelayo, kuyilapho abanye bekuvumela ukuthi ukhethe ifrikhwensi yanyanga zonke, kabili ngenyanga noma isigamu sonyaka.

Ukulinganisa kabusha okuzenzakalelayo kwenza ukutshala imali kube lula!

Ususa ingcindezi yokulinganisa kabusha okuzenzakalelayo. Okufanele ukwenze nje ukwenza iminikelo evamile futhi inkundla inakekela konke okunye. Lokhu kungase kungabonakali kukhanga, kodwa kugcina iphothifoliyo yakho isendleleni. Inkundla yakho nayo yenza izinqumo ezisebenzayo futhi izamukelele zona.

Funda kabanzi ngezinsizakalo zethu zokutshala imali. Indlela okusebenza ngayo ukutshala imali ! Iphakheji enikezwayo! Iphakheji ifaka phakathi inkambo yokutshala imali emakethe yamasheya, ukuphatha ukutshalwa kwezimali kwakho, kanye nokulandelela ukusebenza kwazo. Siphinde sinikeze iseluleko sezezimali ku-podcast ye-Clever Girls Know. Isiteshi se-YouTube . Bhalisa manje!