Yini Okufanele Ngiyenze Ngezinketho Zami Zokuthenga?

Izinketho ze-Stock ziyi-perk enkulu enikezwa izinkampani eziningi. Izinketho ze-Stock zikuvumela ukuba uthenge isamba ngenani elincishisiwe. Kudingeka ubambe esitokisini isikhathi eside esethiwe ngaphambi kokuthi uthengise isitoko. Le nkampani ivumela isisebenzi ukuthi sizuze ekukhuleni kwenkampani lapho sinikeza izinketho zezitoko. Ama-start ups azovame ukunikeza lolu khetho ngemali ephansi yokuqala, kodwa izinkampani ezinkulu zinganikeza izinketho zesitoko futhi.

Ngimelwe nini ukuthenga izinketho ze-Stock?

Uma unikezwe ithuba lokuthenga izinketho zamasheya, ungase ufune ukuwasebenzisa uma ungakwazi ukukwenza kanjalo njengamanje. Akufanele ungene esikweletini ukuze uthenge izinketho zesitoko. Kubalulekile ukuthi ulinganise ingozi yalezi zibambiso ngokumelene nalokho ongakuthola ukulahlekelwa khona. Kufanele futhi uthenge kuphela izinketho zezitoko uma uqiniseka ukuthi inkampani izoqhubeka nokukhula nokuzuza. Kufanele futhi ubheke izimo eziphathelene nezinketho zesitokisi nokuthi kuthatha isikhathi esingakanani ukuba ubeke ezitokisini. Uma uhlela ukushiya inkampani kungekudala, ngeke ufune ukuthenga amasheya. Uma uthengela amasheya kufanele uhlele futhi izinkomba zentela, ezinye izinketho zezitoko zinikezwa njengenhlawulo yerhafu, futhi uzokhokha intela yentengo enkulu uma uzithengisa. Ezinye zibikwa njengengeniso ekhokhiswayo.

Ngingadingeki Ngibe Nenzuzo Yezinketho Ze-Stock?

Ngezinye izikhathi inkokhelo enikeziwe ingase ingabizwa ngokujulile ukuze izuze.

Uma isaphulelo singesijuli kakhulu noma uma intengo yamanje yamakethe ishiye ngezansi inani abanikeza izinketho zakho, ngakho akuyona into enhle. Uzolahlekelwa yimali uma unquma ukwenza ukuthengiswa kwamasheya. Uma ungeke ukwazi ukuthenga izinketho zakho ze-stock, awufanele ngempela ukuzithenga.

Lokhu kusho ukuthi awukho esikweletu noma uqede ukuthenga izindleko zenyanga ngenyanga ekhadini lesikweletu ukuze ukwazi ukukhokhela izinketho.

Ngenzenjani Ngezikhetho Zami Zokuthenga Uma Nginabo?

Uma uthenga izinketho zezitoko kufanele ubeke isiqondiso mayelana nokuthi ufuna ukuthengisa amasheya. Ungase ufune ukubamba iphesenti ethile yamasheya akho, kodwa kubalulekile ukuhlukanisa izimali zakho nokulondoloza, ngakho kuzodingeka uthengise amanye amasheya akho. Ungabeka isamba se-dollar ukuze ukhombise uma sekuyisikhathi sokuthengisa amasheya akho, bese uthengisa iphesenti owasethe. Ukwengeza, ungase ufune ukusetha enye imali yenani lemali uma uthengisa elinye iphesenti. Ungase ube nezikhathi lapho amasheya wehla ngenani, ungesabi futhi uwadayise. Kufanele ugibele ukuphuma emasitokisini. Ingozi enkulu ekusetshenzisweni kwezinketho zamasheya iwukuba nemali eningi kakhulu eboshwe esitokisini esisodwa. Qiniseka ukuthi uyahlukahluka ngokushesha.

Ngingasebenzisa I-Stock Options ukuze Ngisindise Umhlalaphansi?

Kungenzeka ukusebenzisa izinketho zakho ze-stock ukuze uthole imali yakho yokuthatha umhlalaphansi, kodwa ngeke zivikeleke ezintela ngendlela ukutshala kwakho ku-401 (k) noma i-IRA kungaba khona. Enye indlela ezungeze lokho ukutshala imali oyithola ngokuyithengisa noma kusukela kwizinzuzo kwi-akhawunti ye-IRA.

Uma unamasheya uzothola izabelo ezitokisini. Kufanele unqume ukuthi yini ofuna ukuyenza nale mali manje. Ungathuthukisa ngempela imali yakho yokuthatha umhlalaphansi ngokubeka izabelo zakho ngqo kwi-IRA noma enye i-akhawunti yokulondoloza eyabekwa uphawu lomhlalaphansi. Kungaba ukukhathazeka ukubona ukuthi amasheya owabe ubambelele njengesivikelo ahlahlile. Uma ungathí sina ngokungena emakethe kufanele ukhulume nomhleli wezezimali, bese uxoxisana nokuthi izinketho zezitshalo zizofinyelela kanjani ohlelweni lwakho lwezezimali jikelele. Uma ufuna ukwakha ingcebo ngempela, kudingeka ulandele ngokucophelela isabelomali, uhlele umhlalaphansi futhi utshale ngokuhlakanipha. Kuzothatha isikhathi, kodwa kungenzeka.