Ukuze kuvezwe umphumela otholwe kutshalomali olwenziwe, i imbuyiselo yonyaka kuyindlela ephumelelayo enikeza ithuba lokufeza le nhloso. Umsebenzi udinga ukusebenzisa ezinye izimo kanye nefomula, ezochazwa kabanzi kulolu lwazi.
Ukuvezwa kwazo zonke izinzuzo ezitholiwe
Iyini imbuyiselo yonyaka?
Imbuyiselo yonyaka iyindlela yokuveza inzuzo etholwe ngonyaka, enikezwa ngokutshalwa kwezimali okwenziwe. Ivezwa njengenani lephesenti elingabalwa kusukela ekusebenzeni ngezinga elikhulu lobunkimbinkimbi, ngakho-ke, kuyadingeka ukuthi ube nolwazi kuyo ukuze amaphutha agwenywe njengoba ezikhathini eziningi ivame ukudideka nenye inzuzo.
Kulokhu, ukubala kusekelwe ekusetshenzisweni kwencazelo yejiyomethri, okuyiqiniso elimangalisayo njengoba incazelo ye-arithmetic ivame ukusetshenziswa, okusho ukuthi kulo msebenzi i-quotient phakathi kwezinzuzo ezitholiwe akufanele yenziwe. lapho utshalomali lwenziwa. Indlela kuleli cala ihlukile, ukuze uthole umphumela wephesenti kuyadingeka ukusebenzisa ifomula enobunzima obuthile, okungukuthi:
Ukuze usebenzise ifomula ngendlela efanele, kuyadingeka ukwazi idatha ezosetshenziswa. I-'a' yinzuzo etholwe onyakeni owodwa kanti u-'n' uyinani leminyaka le nqubo eyathathwa. Njengoba kuwumsebenzi wezibalo ongaveza ubunzima obukhulu, enye yezinketho abantu abazenzayo ukuze bawenze ukusebenzisa uhlelo lwe-Excel, ngoba lunemisebenzi eyenza lube lula kakhulu.
Iqiniso elibalulekile ukulisho ukuthi uma kubalwa imbuyiselo iyonke akwenzeki ukuba kwenziwe isamba sembuyiselo ngonyaka, kulokhu kwenziwa ukuphindaphinda, kulokhu isicelo kufanele kube leso senzuzo ehlanganisiwe. Njengoba isikhathi sihamba futhi lokhu kubalwa kwenziwa, umphumela we-exponential we-investimenti eyenziwe izotholakala, kusukela lapho kutholakala unyaka owodwa, iphinde iveze okwedlule.
Isibonelo
Ukuqonda ukuthi ukubalwa kwembuyiselo yonyaka kubaluleke kakhulu futhi kubaluleke kangakanani, ngenxa yalesi sizathu, i-Standard & Poor's 500 ORANGE Fund izochazwa njengesibonelo, ukuze kube lula kakhulu. Ukuze lokhu, idatha owethulwe, unyaka kanye nenzuzo kuzoqokonyiswa: Ngo-2013 24,64%, 2014 27,32%, 2015 11,03%, 2016 13,38%, 2017 6,34% , 2018 -1,46%. Kusukela kule datha sibala i imbuyiselo yonyaka eminyakeni eyisithupha.
Ngokusebenzisa ifomula, itholakala kanje: ((1+0,2464)*(1+0,2732)*(1+0,1103)*(1+0,1338)*(1+0,0643) *(1-0,0146))^(1) /6)-1 = 13,19%. Umphumela otholiwe ukhombisa imbuyiselo yonyaka eyethulwa yi-ORANGE Fund Standard & Poor's 500 kuleyo minyaka eyisithupha. Njengoba kubonakala, indlela ilula futhi iwusizo, abukho ubunzima obukhulu, kodwa kuyadingeka ukuba nolwazi ngezimo ezithile. kusetshenziswe kufomula, kungenjalo izodala amaphutha.
Izinzuzo
Izinzuzo ezinikezayo ithuba lokwazi ngokuningiliziwe ukuthi imbuyiselo inikezwa kanjani isikhwama esitshaliwe, ngoba, lapho umuntu enza lolu hlobo lwesenzo, kufanele enze izilinganiso zokusimama komnotho wakhe, nokho, kuyinkimbinkimbi. ukwazi ukuthi imali etholwayo izoba yinhle noma cha, nokho, ngokusekelwe embuyekezweni yonyaka, iphesenti lizoba yitemu elibonisa isimo.
Ngaphezu kwalokho, lapho lezi zindinganiso zisetshenziswa, kukhona amathuba okwenza iziqhathaniso, kuyindlela ewusizo kakhulu ukukwazi ukusho ukuthi yisiphi isenzo esifanele okufanele senziwa, phakathi kwabo ukwazi ukukuhlobanisa ngokuqondile isikhathi sizohlala. Ziyidatha esiza umuntu ukuthi abone ngeso lengqondo ibhizinisi lakhe ngokugcwele, ecabangela izici ezinhle nezimbi, ezimvumela ukuba athuthuke ukuze athole imiphumela efanele.
Uma kuhlotshaniswa nendawo yezimali ngokujwayelekile, kubalulekile ukuba nolwazi lwazo zonke izakhi ezihlobene, ezingase zidinge izibalo, lapho kwaziwa khona ukuthi zokusabalalisa kanjani izindleko nokunye, sincoma ukuthi ufunde mayelana amortization
Ukulinganiselwa
Kuyaphawuleka ukucabangela ukuthi akuzona zonke izici ezinhle, kunemikhawulo ethile okufanele icatshangelwe lapho usebenzisa lo msebenzi, into eyinhloko ukuthi ukubuyisela okwenziwa minyaka yonke akubonisi ukuhluka okuboniswa ngezikhathi ezithile. ngokuvamile ucezu lolwazi oludingeka kakhulu. Ngakho-ke, kuyadingeka ukuqaphela ukuthi imiphumela yayo ibonisa ukuthi esikhathini eside kokubili inzuzo nokulahlekelwa kungenzeka.
Ngenxa yalesi sizathu, kuboniswa ukonakala okuphezulu kwembuyiselo yonyaka, ngeke ukwazi ukwazi kahle ukuthi isikhathi esingakanani imali etshaliwe ingabuyiswa. Lolu wucezu lolwazi olubaluleke kakhulu oludingwa abantu endaweni yezohwebo njengoba kudingekile ukusungula ulawulo lokukhiqizwa kwalo kanye nokwazi ukuthi lusebenza ngempela yini. Ngokufanayo, ukusetshenziswa kwale nzuzo kuyaphawuleka, kodwa kuyisici okufanele sicatshangelwe, ngoba ngokuvamile kuyadingeka ukufeza isinyathelo ngasinye emkhakheni wezomnotho.
Izici ezibalulekile
Ukubalwa kwenzuzo yokutshalwa kwezimali kungenziwa ngezindlela ezahlukene, kubalulekile ukucabangela ukuthi lezi azifani, ngoba lokhu, amaphuzu ahlukene kufanele acatshangelwe, njengokuthi, isibonelo, ukuthi inzuzo etholiwe hhayi inzuzo ephelele, ingenye yamaphutha avame kakhulu, kulawa macala kuyadingeka ukucabangela inani elitshaliwe ekuqaleni kwenqubo, ngoba ngale datha inzuzo etholakalayo ingaziwa.
Lapho kwenziwa ukuhlaziywa kwenzuzo yokutshalwa kwezimali, kuyadingeka ukuthi ivezwe njengephesenti elihlobene ngokuqondile nomnikelo wokuqala owenziwe, kucatshangelwa ukuthi kungaba kokubili inzuzo kanye nokulahlekelwa. Le datha etholiwe yaziwa njengenzuzo elula, futhi kulula kakhulu ukuyenza, ukuze ungenzi noma yimaphi amaphutha noma ukhiqize ukudideka, izinyathelo ezithile kufanele zilandelwe.
Okokuqala, isamba sayo yonke inzuzo kufanele yenziwe, inani elitholwe ekuthengisweni liyacatshangelwa kanye nenzuzo ngayinye egqanyisiwe eqoqweni. Bese kuthi ngayinye yezindleko ikhishwe kanye nokutshalwa kwezimali okwenziwe ekuqaleni, okusho ukuthi umphumela otholwe esinyathelweni sokuqala ususwa enanini okwathengwa ngalo isabelo kanye nezindleko.
Njengesinyathelo sesithathu, inani elitholiwe kufanele lihlukaniswe ngenani le-investimenti eyenziwe ekuqaleni kwenqubo, khona-ke lokho okutholiwe kuphindwe ngo-100% ukuze inani libe yiphesenti. Lona umsebenzi osetshenziswayo ukuze uthole imbuyiselo elula, evezwa kanje: RS = (Inani lokugcina + Ukubuyisela – Izindleko – Ukutshalwa kwezimali kokuqala) / Ukutshalwa kwezimali kokuqala.
Ukudideka kuvame ukukhiqizwa lapho utshalomali lwenziwa okungesona isikhathi esifushane, lapho okuvezwa khona ama-horizons, bese kwenziwa esikhathini eside, ukuze izinzuzo zeminyaka ehlukene zihlaziywe, ukuqhathanisa okusetshenzisiwe kuzobonisa imiphumela ehlukene. futhi kusukela ekwenzeni inzuzo elula, incazelo yalokhu ayikwazi ukwaziwa, imbuyiselo yonyaka iyasinikeza isisombululo
https://www.youtube.com/watch?v=uVdJglr6Dm0
Emkhakheni wezezimali kunamaphuzu amaningi okufanele acatshangelwe, njengokukwazi ukuveza izinzuzo ezitholiwe noma uhlobo oluthile lwezindleko ezenziwe, phakathi kwazo ukuvikelwa kwezimali kubaluleke kakhulu, kunconywa ukuthi ufunde mayelana hlukanisa utshalomali