Eksampel miks bilong dispela gol: Skelim
- Mani na diposit 10%
- Ol bon 40%
- Ol stok 50%
Wanpela piksa bilong hau ol manmeri i save tilim mani long kain mak na taim freim — i no wanpela rekomendesen.
Wanpela imejensi fan i save stap gut na isi long kisim — insait long sevings akaun o diposit — bikos yu ken nidim long wanem de. Wanpela rul we planti man i save bihainim em 3-6 mun bilong ol bikpela samting yu mas tromoi.
Mani we ol i nidim long wanpela deit ol i save long en, ol i save muvim i go long ol ples we i no gat bikpela hevi taim deit i kam klostu, olsem na sapos maket i pundaun pastaim long baim dispela samting, dispela i no inap bagarapim plen.
Long wanpela 'home deposit' deit em i bikpela samting: sapos yu plen long baim insait long sampela yia, sapos prais i go daun dispela inap long mekim yu baim i go hariap. Planti taim ol manmeri i save daunim hevi taim ol i baim klostu.
Wantaim planti yia i kam, ol sotpela taim drop i no bikpela samting tumas, na long longpela taim ol stok i bin gro hariap moa long inflesen — tasol i no gat wanpela garanti, na planti manmeri i save daunim hevi taim ritaia i kam klostu.
Long groa longpela taim, taim freim na pasin bilong yu long karim ol samting i kamap na i go daun em i bikpela samting tru. Spredim mani long planti invesmen na holim ol fi i stap daunbilo em ol hap yu bosim.
Sapos ol bekim i kamap narapela kain
Ol gutpela winmani i no save kamap gut: sampela yia i no gutpela. Reinj i soim hamas risal i dipen long asumsen.
Ol eksampel miks we ol i skelim
| Eksampel | Mani / bon / stok, % | Assumed return | Em inap long gro i go long | Long mani bilong tude |
|---|---|---|---|---|
| Mani na diposit | 100 / 0 / 0 | 2% | 74,362 | 51,345 |
| Lukaut | 20 / 60 / 20 | 3.5% | 85,343 | 58,926 |
| Skelim | 10 / 40 / 50 | 5% | 98,420 | 67,955 |
| Gro | 5 / 15 / 80 | 6.5% | 114,033 | 78,736 |
Ol bikpela 'assumed returns' i save kam wantaim ol bikpela na planti taim drop long rot. Ol tingting i soim ol longpela taim averej, i no ol promis.
Pastaim long yu putim mani
- Wokim wanpela imejensi fan pastaim — 3 i go inap 6-pela mun bilong ol bikpela samting long wanpela akaun we yu ken kisim isi.
- Peim ol dinau we i gat bikpela pe olsem ol kredit kat: intres bilong en i save antap moa long wanem kain invesmen yu inap kisim.
- Sekim wanem samting kantri bilong yu i gat: planti i gat sevings o pensen akaun we i gat gutpela takis, na sampela emploiya i save putim mani long ol kontribusen bilong yu.
- Spredim mani bilong yu: wanpela kampani, koin o propeti inap pundaun planti long em yet, na bikpela 'diversification' i save daunim dispela hevi.
- Kipim ol fi i stap daunbilo na tingim longpela taim: wanpela 1% fi long wanwan yia i save kisim bikpela hap bilong groa insait long planti yia.
Mining bilong ol dispela tok
Mani na diposit. Ol sevings akaun na ol diposit. Liklik hevi na isi long kisim, tasol long longpela taim intres i no inap long bihainim inflesen.
Ol bon. Ol dinau i go long ol gavman o kampani we i save baim intres. Planti taim em i save stap gut moa long ol stok, tasol prais bilong ol i save senis wantaim intres reit na man i kisim dinau inap long lusim dinau bilong em.
Ol stok. Ol sea insait long ol kampani, planti taim ol i save holim long rot bilong ol fan. Long bipo em i nambawan longpela taim gro, tasol wantaim ol bikpela drop — sampela taim 30-50% — we i ken kisim planti yia long kamap orait gen.
Ol tok lukaut mak bilong wanpela giaman
Ol bikpela winmani, presa long mekim disisen hariap, ol askim long baim long kripto o presen kat, na ol "akaun menesa" husat i save toktok wantaim yu pastaim em ol mak bilong giaman long invesmen. Sekim olsem olgeta manmeri i laik givim invesmen i gat laisens long fainensel reguleta bilong kantri bilong yu.
I no edvais long sait bilong mani. Olgeta samting long dispela pes em i jenerel edukesen we i kamap long ol tingting yu bosim. Em i no invesmen, takis o ligel edvais na i no wanpela ofa o rekomendesen bilong wanpela fainensel prodak. Ol winmani bilong bipo i no inap long givim gutpela risal long bihain taim, na ol invesmen i ken lusim pe bilong en. Long mekim disisen we i stret long sindaun bilong yu, toktok wantaim wanpela laisens fainensel edvaisa. Bazeta i no save salim ol samting bilong mani.