Sheeal measaght son y h-obbyr shoh: Co-choardail
- Argid as tastey 10%
- Bondyn 40%
- Stockyn 50%
Ta’n skeeal jeh’n aght ta’n pobble dy mennick sniessey argid son ymmyd as skeeal-am myr shoh — cha nee recommendation.
Ta fund emergency ry-gheddyn myr t’eh ry-gheddyn as ry-gheddyn — ayns cuntoirt sparran ny deposit — son t’eh ry-gheddyn rish laa erbee. Recortys coontit eh 3–6 meeidyn dy chostsyn rieau.
Ta'n airh ta feme er date ainjyssagh ry-gheddyn ayns laghyn s'leoi ry-gheddyn tra ta'n date ry-gheddyn, as shen-y-fa cha nel y margagh ry-gheddyn ry-gheddyn ry-gheddyn ry-gheddyn ry-gheddyn ry-gheddyn ry-gheddyn ry-gheddyn ry-gheddyn.
Son deposit thie ta'n date ymmyrchagh: ma t'ou uss planney cheannagh ayns beggan bleeaney, oddagh y price fall y cheannagh y moddey. Ta'n pobble dy mennick luggey risk tra ta'n cheet stiagh er-gerrey.
Lesh decadyn roish, cha nel y sniaghtey gearr-am ymmyrchagh, as rish y traa ard ta stoocan er n'gholl seose ayns tashtey ny s'faggys da'n inflation — agh cha nel garantys erbee, as ta'n chooid smoo dy leih ymmyrkey risk tra ta'n rettym er-gerrey.
Son y ghrowth ard-termyn, ta'n aght-am as dou tolerance son ups as downs ny s'taitnyssagh. Scapail argid erskyn ymmodee inveishtyn as caghlaa fees low t'ad ny partyn ta shiu ry-reill.
As my ta ny t'er-dy-hoshiaght jeeragh
Cha nel y ghraih ry-gheddyn riamh: ta cuid jeh ny bleeaney negative. Ta'n rang-oardagh soilshaghey cre'n aght ta'n toshiaght dependit er y t'er-ny-gheddyn.
Samplaghey messaghyn er nyn coardail
| Sheeal; | Argid / bond / stoocan, % | Returnaghey er ny ghra | Faggys da | Ayns argid yn laa jiu |
|---|---|---|---|---|
| Argid as tastey | 100 / 0 / 0 | 2% | 74,362 | 51,345 |
| Taarnagh; | 20 / 60 / 20 | 3.5% | 85,343 | 58,926 |
| Co-choardail | 10 / 40 / 50 | 5% | 98,420 | 67,955 |
| Fyssey | 5 / 15 / 80 | 6.5% | 114,033 | 78,736 |
Ta ard-returns assumed ry-gheddyn lesh drops smoo as ny smoo frequent er y raad. Ta ny barrantyn ny mraane-oaylleeaght ard-am, cha nee geillaghyn.
Sushtal dy chur argid da
- Toiggal fund emergency arragh — 3 gys 6 meeidyn dy chostsyn rieau ayns cuntait ymmyrchagh.
- Paym off fiasco daagh myr caartyn crediit: t'eh ry-akin dy vel e rish ny s'yrjey na red erbee t'eh ry-akin.
- Shegin dhyt ymmyd y yannoo jeh'n red ta'n trooid ayd: ta mooarane jeu ry-gheddyn coontae savings ny pension, as ta cuid jeh'n lught-obbree cur argid rish ny co-chosney.
- Scapail dty argid: t'un chompaney, coin ny eiraght ry-hoi ry-hoi ry-hoi ry-hoi, as ta diversification leah y risk shen y lhoobey.
- Keep fees low as smooinee er ard-termyn: ta fees 1% bleinagh goaill ayrn mooar jeh'n ghrowth er decadyn.
Cre ta ny goan
Argid as tastey. Cuntyssyn sparran as deposit. Risk low as easy dy gheddyn, agh er y traa t'er n'gholl shaghey cha nel y rish geddyn stiagh rish y ghraih.
Bondyn. Iassaghyn da rialtyssyn ny companies ta paidjal rish. As t'eh ny s'staydoil na stoocan, agh ta ny priceyn oc glenney lesh reihyn rish as t'eh ry-hoi y 'default'.
Stockyn. Shares ayns compagnyn, t'ad glennit trooid argid. Ta'n ghrowth s'ardjey 'sy tashtey, agh lesh drogh-chraueeaght — 30–50% ry-cheilley — ta'n ghrowth shoh goaill bleeaney dy h-arrey.
Comhairleyn raad scam
Ta ard-chowrey ard-chowrey, brynneraght dy ghra dy row, irriney dy chosney ayns crypto ny caartyn-briwnys, as “manageryn cuntait” ta ry-cheilley rhyt ec y toshiaght, she commandeyryn classagh jeh scansh y chur da’n obbyr. Sheck dy vel dooinney erbee ta cur tastey da'n stiureyder argidoil 'sy t'oayll.
Cha nee comhairle argidoil. Ta ooilley ny t'er y duillag shoh ny h-oaylleeaght coontinagh er y ghraih t'ou uss ry-reill. Cha nel eh ymmyd, tax ny comhairle leigh as cha nee ymmyd ny recommendation jeh red erbee argidoil. Cha nel y t'er-dy-hoshiaght y ghra dy vel y towse er-dy-hoshiaght, as t'eh ry-hoi y t'er-dy-hoshiaght y chaill. Son breearrey ta corrym rish dty stayd, loayrt rish commishoon argidoil licenseagh. Bazeta cha nel eh glenney produityn airgey.