Te Tīmatanga o ngā Pūtea me te Pūtea Iti
Ko te haumi moni i ngā wā o mua he wāhi tākaro mō te hunga whai rawa, engari kei te tere te huri o tēnei whakaaro. Nā te whanaketanga hangarau, te pikinga ake o te mātauranga pūtea, me te taenga mai o ngā momo huarahi haumi, ehara i te mea ka taea anake te tīmata haumi me te iti o te pūtea engari he maha tonu te whakatenatena. Ka ruku hohonu ake tēnei tuhinga ki ngā huarahi me ngā take hei tīmata i tō haerenga haumi me te iti o te pūtea, ka whakaratohia ngā mahi whai hua, ā, ka whakamāramahia ngā whakaaro nui hei whakamahi pai i ō haumitanga.
Te Hiranga o te Tīmatanga Iti
Te Whakamārama i te Pūtea
Mā te tīmatanga ki tētahi pūtea iti ka taea e ngā kaipupuri moni hou te mōhio ki ngā mākete pūtea me ngā ariā ōhanga me te kore e wehi kei ngaro te nui o te moni. He mea nui tēnei wāhanga ako, nā te mea mā te mārama ki te mahi a ngā momo huarahi haumi ka taea te whakatakoto i tētahi turanga pakari mō ngā haumitanga nui ake ā muri ake nei.
Te Whakawhanake i ngā Tikanga Whaiaro
Ahakoa he iti noa te wāhanga o tō moni whiwhi, me whai tikanga te haumi. Ko tōna tikanga ko te penapena i ngā wā katoa me te aroturuki tonu i te mākete. I roto i te wā, ka puta mai ēnei tikanga whai tikanga hei māramatanga whānui ake ki ngā āhuatanga o te mākete me ngā pūkenga whakatau pai ake.
Te whakaiti i te morearea
He nui ake ngā pānga o ngā haumitanga nui. Mā te tīmatanga ki te iti o te pūtea ka horahia tō mōrearea, ka taea ai te whakahaere i ngā mate pea. Mā tēnei pānga ka taea te whakahaere ka whakaratohia he kupenga haumaru, ka taea ai e koe te ako i ō hapa me te kore e pāngia e ngā pānga kino ki te pūtea.
Ngā Hipanga hei Tīmata i te Hāumi me te Pūtea Iti
1. Te Whakatakoto Whāinga Pūtea
I mua i te ruku ki te puna haumi, he mea nui te tautuhi i ngā whāinga pūtea mārama. Kia mārama mēnā kei te haumi koe mō ngā hua pūtea mō te wā poto, te whakamahere reti, te hoko whare, te mātauranga rānei o te tamaiti. Mā te whakatakoto whāinga pūmau ka āwhina i a koe ki te whiriwhiri i ngā huarahi haumi tika me te whakatakoto i ngā tumanakohanga pono.
2. Te Hanga i tētahi Pūtea Āwhina
Mā te pūtea ohorere koe e tiaki i a koe mai i ngā whakapaunga ohorere. Ko te tikanga, me utu e tēnei pūtea ngā whakapaunga oranga mō te 3-6 marama. He kupenga haumaru te whai pūtea ohorere, ā, ka kore koe e akiakihia ki te hoko wawe i ō haumitanga.
3. Te Kōwhiri i ngā Pūhara Pūtea Tika
He maha ngā tūāpapa haumi e wātea ana, he mea nui te whiriwhiri i tētahi he iti ngā whakaritenga haumi tuatahi. Kua hurihia e ngā tūāpapa mamati pēnei i a Robinhood, Acorns, me Stash te urunga atu ki te mākete hea, e āhei ai ngā kaiwhakamahi ki te tīmata haumi me te iti iho i te $5.
4. Te tūhura i ngā kōwhiringa haumi
He maha ngā huarahi haumi e aro ana ki ngā tāngata takitahi he iti te pūtea. Ko ētahi o ngā kōwhiringa nui ko:
– Ngā hea me ngā ETF
Mā ngā moni hokohoko-whakawhiti (ETF) me ngā hea wāhanga ka taea e ngā kaipupuri moni te pupuri i tētahi putea, i tētahi hea rānei o tētahi hea uara nui me te iti o te moni. Ka tukuna hoki e rātou te kanorau, ka whakaiti i te mōrearea e pā ana ki te haumitanga hea takitahi.
– Ngā Pūtea Tahi
Ko ētahi o ngā pūtea tahi e hiahia ana kia iti rawa te whakaritenga haumi tuatahi, tae atu ki te $50. Ka taea e ngā mahere haumi aunoa te tuku takoha iti, auau, ka piki haere i roto i te wā.
– Ngā Kaitohutohu-Robo
Ka whakamahi ngā kaitohutohu-robo pēnei i a Betterment me Wealthfront i ngā rauropi hei whakahaere i tō putea i runga i tō manawanui mōrearea me ngā whāinga pūtea, kia taea ai te whakahaere rawa ngaio me te iti o te whakapaipai tīmatanga.
– Ngā here
E kiia ana ko ngā here kāwanatanga me ngā here umanga he haumitanga haumaru ake, ā, he rerekē ngā moni haumitanga iti rawa. Hei tauira, ka taea te hoko i ngā here penapena Raupapa Tuatahi mō te $25 noa iho.
5. Te Aunoa i ngā Pūtea
Mā te aunoatanga ka pumau tonu. Mā te whakarite i ngā whakawhiti aunoa mai i tō pūkete peeke ki tō pūkete haumi ka taea e koe te haumi tonu me te kore e hiahia ki te whakapau i taua moni ki tētahi atu mea.
6. Whakawhanuitia tō Putea Mahi
He mea nui te kanorau i roto i te whakahaere i te mōrearea. Whakawhānuihia ō haumitanga puta noa i ngā momo rawa rerekē pēnei i ngā hea, ngā here, me ngā tahua tahi. Ahakoa i roto i ēnei kāwai, kia whai kia kanorau puta noa i ngā rāngai me ngā rohe matawhenua hei tiaki i tō putea mai i te pōrearea i roto i tētahi mākete motuhake.
7. Te Pupuri i ngā Utu Iti
Ka pāngia pea ō hua e ngā utu haumitanga, inā koa ka tīmata koe me te iti o te pūtea. Kōwhiria ngā tūāpapa haumitanga he iti ngā utu, ā, kia tūpato ki ngā utu huna. He kōwhiringa pai ngā pūtea taupū iti te utu me ngā ETF e whakarato ana i ngā painga o te kanorau i te utu iti.
Ngā Whakaaro Matua mō ngā Kaihaumi Pūtea Iti
Mārama ki te Whakakotahitanga
Ko te whakakotahitanga te miihini e akiaki ana i ō haumitanga mō ngā wā roa. Ahakoa he iti noa ngā takoha auau, ka taea te tipu tere ina waiho kia whakakotahi. Hei tauira, ko te haumi $100 noa iho ia marama me te hokinga mai o te 8% ia tau ka taea te tipu ki te neke atu i te $150,000 i roto i te 30 tau.
Noho Whakapuakihia
Whakaakohia koe i ia wā, i ia wā. Pānuihia ngā purongo pūtea, ngā pukapuka haumi, me ngā tātaritanga mākete. Haere ki ngā huihuinga tukutuku me te whai i ngā tohunga o te ao. Mā te mātauranga koe e whakamana ki te whakatau pai ake, me te noho ki mua i ngā au e pā ana ki ō haumitanga.
He Tirohanga Mo Nga Wa-roa
He āhua hurihuri ngā mākete. He mea noa ngā piki me ngā heke mō te wā poto, engari he maha ngā wā ka hua ake he hua nui ake mā te tirohanga roa. Āta karohia te whakamātautau ki te tauhohe ohorere ki ngā hekenga, ki ngā pikinga rānei o te mākete. Puritia tō mahere, ā, arotakehia tonutia ō haumitanga kia rite ai ki ō whāinga.
Arotakehia tō Manawanui ki te Mōrearea
He mea takitahi te manawanui ki ngā mōrearea, ā, ka rerekē haere i roto i te wā. Kia mārama ki tō hiahia tūturu ki te mōrearea, ā, whiriwhiria ō haumitanga kia rite ki tēnā. Ahakoa he nui ake te hiahia mōrearea o ngā kaipupuri moni taitamariki nā te roa o te wā haumi, ka pai ake pea ngā kaipupuri moni pakeke ki ngā rawa pumau, whai hua.
Aroturuki me te Taurite Anō
Arotakehia tō putea haumi i ia wā, ā, me whakataurite anō ina hiahiatia. Mā te whakataurite anō ka noho rite tonu tō putea ki tō manawanui mō ngā mōrearea me ngā whāinga pūtea. Tērā pea ka uru atu ki te whakawhiti anō i ngā rawa hei pupuri i te taumata e hiahiatia ana o te kanorau me te mōrearea.
Rapua he Tohutohu Ngaio
Ahakoa he maha ngā taputapu me ngā rauemi matihiko e māmā ai te haumi whaiaro, mā te rapu tohutohu ngaio ka taea te whakarato rautaki me ngā māramatanga whaiaro. Ka taea e ngā kaitohutohu pūtea te waihanga i ngā mahere haumi kua whakaritea kia rite ki tō āhua pūtea me ō whāinga ahurei.
Opaniraa
Ehara i te mea ka taea noa te tīmata haumi me te iti o te pūtea; he huarahi whakaaro nui hoki ki te whakatipu tonu i te taonga. Mā te whakatakoto whāinga mārama, te whiriwhiri i ngā tūāpapa tika, te whakawhānui i tō putea, me te noho mōhio, ka taea e koe te whakatakoto i te ara mō te tipu me te pumau o te pūtea. Kia maumahara ko te manawanui, te whakahaere, me te ako tonu ngā mea matua. I a koe e whakatere ana i te ao o ngā haumi, mā ēnei mātāpono koe e ārahi ki te whakatutuki i ō wawata pūtea, ahakoa te nui o te pūtea tuatahi kei a koe.
