Kutheni Ndifanele Utyalole kwiZakhiwo Zempahla?

Ixabiso langaphandle linokubonelela ngokuvelisa ngakumbi ukuhlalutya namanye amatyala

Kwiminyaka yama-1990, i-Standard & Poor's Index yathumela i-yields yields of 5 to 6 percent in average. Ngexesha elifanayo, isivuno se-S & P se-dividend sasi-2% kuphela okanye ngaphantsi. Ekubeni ama-stocks ahlawulayo ahlawulayo ahlala elula kakhulu, ukuzuza kwinqanaba lokuxabisa aliyi kuba yinto ebalulekileyo. Ngelo xesha, ubophelelo oluthathwe njengenxalenye luboniswa kuphela malunga nama-5 ekhulwini.

Izivuno ezingcono zazingekho, xa izibophelelo ezikhuselekileyo zabuya izivuno eziphantsi.

Ukunyuka kweeMpahla eziPhezulu

Ngexesha elifanayo kunye neli-21 leminyaka, abatyala-mali bezakhiwo zendawo bafumene iindleko ezikhangayo ngenxa yemifuno emininzi yemali evela kwi-investment real estate. Nantsi ukujonga kwezinye zezizathu zokuba i-real estate ingenceda njani iphothifoliyo yakho yokutshala imali:

• Ukuveliswa kwerenti - Le yintlawulo yepesenti evela kwingeniso eqhelekileyo yengeniso, kwaye ingabalwa njengeyonke into okanye inetha. Abanini-mali abanolwazi banqwenela ukubala isivuno semali yokuqeshisa esithatha iindleko, irhafu kunye nezinye iindleko, kwaye izahlula ngexabiso lempahla / indleko. Kungaba ngumngcipheko wokungena kwemali, njengoko kungathathi iintlawulo zemboleko. Ngenxa yeso sizathu, abatyali-mali abaninzi banqwenela ukujonga iimveliso zokuqeshisa imali . Nangona utyalomali angathenga nokulawula isivuno kule candelo elilodwa elidlulileyo kwi-stock average okanye kwi-bond dividend yield, yindlela enye kuphela ekubuyiselweni kwezindlu ezingenalo utsalo-mali.

• Ukuxabisa - Iipropati zokuqeshisa ngokuqhelekileyo zixabisa ngexabiso kunye nexabiso lentengo. Ixabiso elongeziweyo lithetha ukuthengiswa nokuvuselelwa kwiipropati zexabiso eliphezulu, okanye ukubonelela ngomgca wokulingana kwemali-mboleko ukusetyenziswa kwabanye utyalo-mali. Lo ngowesibili, kunye neengxelo ezibonakalayo, ezixabisekileyo kwixabiso lokubuyiswa kwezindlu.

• Utyalo-mali-mali- intengo-imali ikhula ngokunyuka kwamaxabiso, ngelixa ukuhlawulwa kwemali kwipropati kuhlala kuzinzile. Oku kwandisa ukuhamba kwemali, ngaphandle kokunyuka kweendleko zokubamba ipropati. Xa ukunyuka kwamaxabiso kuphakama, kunokuthethelela abarenti abaninzi njengoko iimali zokuthenga imali zibiza kakhulu kubaxhasi abaqhelekileyo. Abaninzi beendwendwe banyuse imfuno, ngoko ke iindleko ziyakhula.
• Ubungakanani - Ukusebenzisa umgangatho, ngelixa uqikelele ukuthenga iimpahla kunye nezivuno eziqashisayo zokuqashisa, kunika iindleko ezinkulu. Ukusebenzisa i-$ 100,000 kwiivenkile ezichitshiweyo ukuthenga iipropati ezintathu ngokuhlawula iintlawulo, endaweni enye ye $ 100,000 imali, inokunyusa kakhulu ukubuyiswa . Ngokuqinisekileyo, yonke imilinganiselo ibandakanya umngcipheko, ngoko umtyalo-mali ophumelelayo kufuneka aqonde indlela impembelelo echaphazela ngayo utyalo-mali .
• Ukuhlawula imali-mboleko - Ukuhlawula imali , okanye ukuhlawula imali-mboleko, ukhulula utyalo-mali olongezelelweyo ukwenzela ukwandisa umyinge. Abanye abatyali-mali basebenzisa ukulingana okwandisiweyo kwipropati enye ukukhulula iimali zokutshala imali kwabanye.
• Ukuphuculwa kwezindlu ngokulinganayo - Abanini-mali abaninzi bathetha ngokuzithandela izakhiwo ngexabiso lentengo, ngenxa yokuba abanakho iimpawu ezithile okanye bangasebenzisa ukuphucula. Babala ukuba ixabiso leziphuculo liza kudlula iindleko, okubangele ukwanda kwangoko kubulungisa.

Nangona ama-stocks kunye nezibophelelo zi-sensitive-inflation-and they typically include only value appreciation and potential returns or interest-returns-real estate inikeza iindleko zokutshala imali.