Portfolio ukutshalwa deku isizinda inzuzo enkulu uma indlela efanele.

Namuhla, ezweni lanamuhla, abantu ngokuya uyazibuza: yini iphothifoliyo yokutshala izimali emazweni nendlela eyisebenzisa. Manje, lapho utshalomali ibe yisikhali, ezingabizi cishe wonke umuntu, ukutshalwa kwezimali iphothifoliyo kuyizinto ehambisana kakhulu instrument yezimali.

Ngaphambili, izimakethe isitokwe ezazitholakala kuphela ezimbalwa, kanye zimali elihlobene ne amadoda amafutha nosikhumkani sowunezigidi. Namuhla, sibonga ukuvulelwa anhlobonhlobo Ukufakwa abantu eside kwezimali etholakala omunye instrument yezimali ezifana investimenti Isikhwama mutual, zimali kungaba cishe wonke umuntu. Ngakho, ukuthi? Abaningi kithi ufuna ukuthola impendulo ngqo kulo mbuzo. Wonke umuntu ohlakaniphile emhlabeni namuhla ufuna ukugcina nande imali yakho.

Ngakho-ke yini ukuthi iphothifoliyo yokutshala izimali emazweni anjalo? Asivume, ukuze:
ngaphezu kwakho konke okunye - iphothifoliyo utshalomali - is ufaka imali ku-izibambiso amafa (ngokuvamile amasheya noma ingxenye mutual) izinkampani, ukuze bathole enkulu inzuzo ngangokunokwenzeka. Ithola inzuzo zokucabangela kusukela ukudayiswa izibambiso - kutsini utshalomali ezinjalo. Portfolio ukutshalwa lingachazwa ngokuthi yokufuna ubunikazi yezimpahla inkampani, beka bo juphe ngaphakathi prodazhu.Imenno khulula lezi izibambiso kukhona iphothifoliyo yilowo otshale izimali. Yiqiniso, zimali akuyona ngokuqondile ekuphatheni inkampani, ogama ukwabelana ayatholakala. Noma kunjalo, ukutshalwa kwezimali okunjalo kungaba ngokuthi utshalomali ingenkulu ngosayizi, njengoba abakwazi ukunikeza control umnikazi phezu ukwabelana ibhizinisi. Injongo eyinhloko futhi umgomo wemali - ukuzuza kabusha kwalezi izibambiso, ukubaluleka ngaleso lesifanele utshalomali isu kufanele, ngemcondvo, sikhule.

Portfolio ukutshalwa zisikisela ukuthi zimali uzothola imali ukubaluleka okwandisiwe wokwabelana uzothola izinzuzo kusukela lamasheya. Ukuze kuncishiswe ubungozi utshalomali, ngokuvamile ukutshala emafeni izinkampani kokuba izinkomba ezahlukene.
Abatshalizimali - kuyinto nezidalwa wokuqala nomkhulu kunabo bonke abantu. Futhi abantu abanezidingo ezahlukene kanye nemibono on izimpikiswano utshalomali. Yingakho, ukutshalwa kwezimali iphothifoliyo ziyabonisa futhi division zibe izinhlelo ezahlukene, kuya ngokuthi nenzuzo kanye riskiness. Kanjalo iphothifoliyo yokutshala izimali emazweni uhlukaniswe:
high-isivuno - lezi zimali zibalwa kukhishwe ephakeme kakhulu ezingeni inzuzo ngezithukuthuku zokucabangela ukuthenga imisebenzi noma yokuthengisa at nezimo zezimakethe evumayo, lokhu iphothifoliyo kuhlanganisa izibambiso kuhilela isivuno eliphezulu, futhi igxile ekutholeni engenayo ephezulu - kokubili ngesimo inzalo izibopho kanye dividendovoy nzuzo ku ukwabelana; imali ekahle - indlela iphothifoliyo ukuze zimali ofuna abe imali ezinzile isilinganiso ngaphandle ingozi kakhulu. Ngokuvamile, lezi amaphepha nilethe inzuzo Ngokwesilinganiso, lokhu Iphothifoliyo kakhulu kwamatayitela; kanye nefomu yokutshala izimali - iphothifoliyo kuhlanganiswe - it is wadala ukuze unciphise izingozi imali futhi njalo ukugwema ukulahleka kungenzeka ku stock market evulekile amafa. Lapho ukutshala imali esikhwameni ezinjalo, izimali ekukhuliseni iphepha yokukhangisa nge amazinga ehlukene njengoba isivuno, futhi ingozi futhi iyizingxenye.

Zikhona izindlela ezihlukahlukene ukuphathwa iphothifoliyo. Iphothifoliyo utshalomali kuhilela izinhlobo ezimbili Izilawuli - lena ukuphathwa eqondile, okubandakanya ukulawula siqu isimo izibambiso yilowo otshale izimali, lizinga nenzuzo kanye zezimali. Noma, indlela yesibili - zimali, engasafuni bachitha isikhathi sabo benza ku siqu ukuphathwa kwezimali, uyala ukuba ochwepheshe - inkampani ukuphathwa, lapho Ochwepheshe ababefunde bagogoda engamele izimali zakho.

Iphothifoliyo utshalomali - i izimali utshalomali, okuyinto lingachazwa ngokuthi inzuzo kakhulu. Lo mbono wanamuhla ukuphathwa izimali zakho. Ngenxa kwenezele zenzalo , nokuphathwa abanekhono, izimali zakho unyaka nonyaka luyokhula inchubekelembili weJiyomethri. Futhi lokhu ngempela kunjalo. Yiqiniso, inkampani ukuphathwa angenalungelo lokukuthola ukunikeza eziyikhulu amaphesenti isiqinisekiso sokuthi izibambiso kuzoletha inzuzo, kodwa umkhuba eside ebonisa ukuthi izibambiso athwale isithakazelo inzuzo izikhathi eziningana ephakeme kunaleyo zenzalo yokuzigcina ezifakwa emabhange ehlukahlukene.

uyajabula kakhulu ukuthi namuhla kwezezimali yinoma ubani, ngaphandle ihaba, umuntu onekhono. Kungakhathaliseki lapho uhlala futhi yini ubuzwe bakhe. Namuhla, wonke umuntu, uma ekhetha, bangaba ocebile. Ukutshala izimali zabo Russian izimakethe stock, wena phindaphinda bengabangane bengcebo yabo.