Me pēhea te haumi i roto i ngā pūtea tahi
He mahi uaua te haumi moni, inā koa mō te hunga tīmata. I roto i ngā momo kōwhiringa haumi e wātea ana, ko ngā pūtea tahi te mea rongonui nā te māmā me te kaha ki te whakawhānui i ngā momo haumi. Mā tēnei tuhinga koe e ārahi i roto i te tukanga haumi moni ki ngā pūtea tahi, hei āwhina i a koe ki te whakawhanake i tētahi māramatanga pakari mō te aha rātou, te āhua o tā rātou mahi, me ngā mahi e uru ana ki te haumi moni.
Te Maramatanga ki nga Moni Moni
I mua i te ruku ki te kōrero mō te haumi ki ngā pūtea tahi, he mea nui kia mārama koe ki ēnei mea. Ko te pūtea tahi he waka haumi e kohikohi ana i te moni mai i ngā kaipupuri moni maha hei hoko i tētahi putea hea, here, me ētahi atu hea. Ko tēnei puna pūtea e whakahaerehia ana e ngā kaiwhakahaere pūtea ngaio e whakatau ana i ngā whakataunga e whai ana ki te whakatutuki i ngā whāinga haumi a te pūtea.
Ngā Momo Pūtea Tahi
1. Ngā Tahua Pūtea: Ko te nuinga o ēnei he haumi ki ngā hea. He nui te hua ka puta mai i a rātou, engari he nui ake te mōrearea.
2. Ngā Tahua Here: Ka haumi ēnei ki ngā here, ā, ka whiwhi moni auau me te iti ake o te mōrearea ki te whakataurite ki ngā tahua hea. Heoi, tera pea ka iti ake ngā hokinga mai.
3. Ngā Pūtea Mākete Moni: Ka haumi ēnei ki ngā pūtea kounga teitei, wā poto, e tukuna ana e ngā kāwanatanga me ngā umanga. Ko ēnei te haumitanga haumaru rawa atu, me ngā hokinga iti.
4. Ngā Pūtea Taurite: Ka haumi ēnei ki roto i te ranunga o ngā hea me ngā here, e tuku ana i te taurite i waenga i te mōrearea me te hokinga mai.
5. Ngā Tahua Tāurangi: Ko tā ēnei he tārua i te mahi a tētahi tāurangi motuhake, pērā i te S&P 500. He iti ake ngā utu i te nuinga o te wā nā te mea kāore i te whakahaerehia.
6. Ngā Pūtea Motuhake: Ka arotahi ēnei ki ngā rāngai, ki ngā kaupapa rānei, pērā i te hangarau, te pūngao matomato rānei. Ka tukuna e rātou te pūmanawa mō te whai pānga engari he nui ake te mōrearea.
Ngā Painga o te Hāumi ki ngā Pūtea Tauutuutu
1. Te Kanorau: He huarahi ngāwari ngā tahua tahi ki te kanorau i ō haumitanga, mā te hora i te mōrearea puta noa i ngā hea maha.
2. Whakahaere Ngaio: Mā ngā kaiwhakahaere pūtea mātau e whakahaere ngā whakataunga haumitanga, ā, ka taea e koe te whakamahi i ō rātou tohungatanga.
3. Te Wairewa: He māmā noa iho te hoko me te hoko atu i ngā pūtea tahi, ā, ka taea te wairewa.
4. Utu whaitake: Ka taea e koe te haumi ki te whānuitanga o ngā hea me te iti o te moni.
5. Ngāwari: Ka whakangawaritia e ngā pūtea tahi te tukanga haumi, nā te mea ka tākaihia e rātou ngā rawa maha ki roto i te pūtea kotahi.
Nga Tikanga ki te Putea i roto i nga Putea Mutual
1. Tautuhia ō Whāinga Pūtea
I mua i te haumi, he mea nui kia whakatūria ō whāinga pūtea. Kei te penapena koe mō te reti, mō te mātauranga o te tamaiti, mō te utu tāpui rānei mō te whare? Ka pāngia e ō whāinga te momo tahua tahi e pai ana mōu.
2. Aromatawai i to Whakaaetanga morearea
He mea nui te mārama ki tō manawanui mō ngā mōrearea. E hia te nui o te mōrearea e pai ana koe ki te tango? Ko te nuinga o te wā ka haere tahi me te mōrearea nui ake. Mena he ātete koe ki te mōrearea, ka pai ake pea koe ki ngā here, ki ngā pūtea mākete moni rānei. Mena he nui ake tō manawanui mōrearea, he pai pea ngā pūtea hea, ngā pūtea motuhake rānei.
3. Kōwhiria te Tahua Moni Tika
I te mea he mano tini ngā pūtea tahi e wātea ana, he uaua te whiriwhiri i te mea tika. Whakaarohia ēnei e whai ake nei:
– Ngā Whāinga o te Tahua: Me whakarite kia rite ngā whāinga o te tahua ki ō whāinga haumitanga.
– Hītori Mahi: Arotakehia te mahi o mua a te pūtea, me te maumahara kāore ngā mahi o mua e whakamana i ngā hua ā muri ake nei.
– Ngā Utu me ngā Whakapaunga: Kia mārama ki te hanganga utu o te tahua, tae atu ki ngā ōwehenga whakapaunga, ngā utu whakahaere, me ngā utu hoko.
– Te Ingoa o te Kaiwhakahaere Pūtea: Rangahauhia ngā mahi me ngā wheako o te kaiwhakahaere pūtea.
4. Kia mohio ki nga utu
He maha ngā utu mō ngā pūtea tahi:
– Ōwehenga Whakapaunga: Ka kapi i tēnei utu ā-tau ngā whakapaunga whakahaere o te tahua. He pai ake ngā ōwehenga whakapaunga iti ake.
– Utaina Mua: He utu hoko tēnei e utua ana ina hoko koe i ngā hea.
– Utaina Whakamuri: He utu hoko tēnei e utua ana ina hoko hea koe.
– Ngā Pūtea Kore-Utaina: Kāore ēnei pūtea e utu ana i ngā utu hoko.
5. Whakatuwherahia he Kaute
Ka taea e koe te haumi ki ngā pūtea tahi mā roto i ngā huarahi maha:
– Ngā Pūkete Kaihoko: Ka tukuna e ngā kamupene kaihoko ratonga-katoa me ngā kamupene kaihoko utu whakaheke te urunga atu ki te whānuitanga o ngā tahua tahi.
– Mai i ngā Kamupene Pūtea: He maha ngā kamupene pūtea tahi e āhei ana ki a koe te hoko tika mai i a rātou.
– Ngā Kaitohutohu-Robo: Ka taea e ēnei tūāpapa haumi aunoa te āwhina i a koe ki te whiriwhiri me te whakahaere i ngā haumitanga tahua tahi i runga i ō whāinga me te manawanui ki ngā mōrearea.
6. Putea To Kaute
Kia oti i a koe te whiriwhiri me pēhea te haumi, me whakapūtea e koe tō pūkete. Kei roto i tēnei ko te whakawhiti moni mai i tō pūkete peeke ki tō pūkete kaihokohoko, kamupene pūtea, pūkete kaitohutohu-robo rānei.
7. A tuu i to ota
Ina rite koe ki te haumi, me tuku e koe he ota. Ko te tikanga o tēnei me tohu te nui o te moni e hiahia ana koe ki te haumi ki te tahua tahi kua whiriwhiria. Ko te tikanga ka taea te tuku ota ipurangi, mā te waea rānei.
8. Aroturukihia tō Pūtea
Ehara te haumi ki ngā pūtea tahi i te tukanga "whakatakotoria, kātahi ka warewarehia". Arotakehia tō haumitanga i ia wā, i ia wā, kia mōhio ai kei te hangai ki ō whāinga. Kei roto i tēnei ko te pānui i ngā pūrongo ā-tau me ngā pūrongo ā-haurua ā-tau a te pūtea, me te aro turuki i te mahi.
9. Whakataua To Pukapaki
I roto i te wā, ka rerekē pea tō putea i tō tohatoha rawa taketake nā runga i ngā nekehanga o te mākete. Mā te whakataurite anō i tō putea i ia wā, ka noho rite tonu ki ō whāinga mōrearea me te haumi. Tērā pea ka uru atu ki tēnei te hoko i ētahi moni me te hoko i ētahi atu hei pupuri i te tohatoha e hiahiatia ana e koe.
10. Whakamahia te Toharite Utu-Tara
Ko te toharite utu tāra ko te haumi i tētahi moni pumau i ngā wā auau, ahakoa ngā āhuatanga o te mākete. Ka taea e tēnei rautaki te āwhina ki te whakaiti i te pānga o te huringa o te mākete me te whakaiti i te mōrearea o te haumi i tētahi moni nui i tētahi wā kāore i te tika.
Opaniraa
He huarahi pai rawa atu te haumi ki ngā pūtea tahi hei hanga taonga, hei whakatutuki hoki i ō whāinga pūtea me te iti o te kaha. Mā te mārama ki ō whāinga haumi, te aromatawai i tō manawanui mō ngā mōrearea, me te whiriwhiri i ngā pūtea tahi tika, ka taea e koe te waihanga i tētahi putea haumi kanorau e whakahaerehia ana e ngā tohunga. Me aro turuki tonu i ngā utu, me te aroturuki i ō haumi, me te whakarerekē i tō putea ina hiahiatia kia mau tonu ai ki te huarahi tika. Mā ēnei mahi, ka pai tō huarahi ki te noho hei kaipupuri moni pūtea tahi māia, angitu hoki.
