3 Lwm Cov Kev nqis peev los tiv thaiv kev nce nqi

Nrog rau cov ntaub ntawv teev nyiaj nce nqi thiab kev lag luam tsis hloov pauv, koj tuaj yeem nrhiav lwm txoj hauv kev los khaws thiab loj hlob koj cov nyiaj laus. Nyob rau hauv ib qho kev lag luam, kev tiv thaiv kev nce nqi yuav tsum muaj ob peb txoj hauv kev ncaj ncees. Ua ntej, nrhiav kev nqis peev uas tsis cuam tshuam (tsiv mus rau tib qho kev taw qhia) nrog koj cov cuab tam. Yog tias koj cov ntaub ntawv poob qis, koj cov kev nqis peev uas tsis muaj feem cuam tshuam yuav nce mus. Tom ntej no, nrhiav kev nqis peev uas muaj qhov hnyav ntawm qhov muaj nuj nqis uas tsis yog ntau npaum li cuam tshuam los ntawm kev ua lag luam tus cwj pwm. Xav txog kev nqis peev uas koj ntseeg tias cov nyiaj yuav tsum tau siv, xws li kev tsim kho vaj tse thiab khoom muag.

Raws li peb nkag mus tob rau hauv peb qhov kev nqis peev uas muaj txiaj ntsig zoo nyob sab nraud ntawm lub khw lag luam, nco ntsoov cov tub ua lag luam tuaj yeem siv cov nyiaj se tau zoo xws li tus kheej-directed IRAs (SDIRAs) los tuav cov kev nqis peev no thiab ua kom muaj txiaj ntsig zoo rau kev ua lag luam nyiaj laus.

1. Vaj tse

Cov vaj tsev yog ib qho kev tiv thaiv ib txwm tiv thaiv kev nce nqi vim nws muaj txiaj ntsig zoo kawg nkaus raws li kev tuav pov hwm ntawm cov khoom siv tsawg. Cov khoom muaj txiaj ntsig zoo li vaj tsev zoo li kev tswj hwm lossis nce tus nqi nyob rau lub sijhawm, thiab nce siab thaum lub sijhawm nce nqi, ua qhov no yog ib qho cuab tam uas yuav tsum tsis txhob saib xyuas.

Thaum lub lag luam ib leeg-tsev neeg tau ntsib kev tsiv teb tsaws chaw coob ntawm cov neeg khiav tawm hauv nroog rau cov nroog hauv nroog thiab cov nroog nyob deb nroog thaum lub caij ntuj sov xyoo 2020 - tsis muaj qhov tsis ntseeg tias Covid-19 ua rau muaj kev cuam tshuam cov vaj tsev nyob - muaj ntau lub sijhawm nyob ib puag ncig. Kev xav tau hauv tsev yog outpacing mov thiab virtual khw, e-lag luam, thiab cov saw saw teeb meem tseem muaj tsav qhov kev thov rau ntau haiv neeg kev loj hlob. SDIRAs tuav cov khoom muaj nqis xws li REITS, warehouses, thiab / lossis cov av nyoos sab nraum lub khw muag khoom muaj txiaj ntsig zoo rau se lossis kev loj hlob se-txo (lossis tsis pub se yog tuav hauv Roth IRA) thiab cov txiaj ntsig uas tuaj yeem tsim cov nyiaj ntsuab thiab muaj peev xwm nce ntxiv. rau kev ua lag luam mus ntev.

2. Private Equity – Infrastructure-Focused

Lub teb chaws txoj kev tsim kho vaj tse yog me ntsis ntawm kev ua haujlwm tsis muaj qhov xaus, los ntawm kev hnav-thiab-tua kua muag mus rau kev txhim kho thiab kev kho dua tshiab kom rov ua kom puas tsuaj los ntawm kev puas tsuaj ntuj tsim. Peb tam sim no nyob rau hauv ib theem ntawm kev loj hlob hnyav thiab kho dua tshiab, thiab cov kev tsim kho vaj tse no xav tau nyiaj txiag - tus neeg ua lag luam cov kev xaiv muaj ntau. Infrastructure tsom private equity peevs nce peev sab nraud ntawm lub khw lag luam los ntawm Cov Neeg Koom Tes Txwv (sab nraum cov tub ua lag luam), tom qab ntawd siv cov peev ntawd los nqis peev hauv cov cuab tam ntxiv lossis kev ua haujlwm. Lawv zoo ib yam li kev nqis peev nyiaj txiag ntiag tug, tab sis cov kev nqis peev no suav nrog kev tsom mus rau kev siv hluav taws xob, kev thauj mus los, kev sib raug zoo (tsev kho mob, tsev kawm), thiab lub zog. Infrastructure kev nqis peev feem ntau muaj qhov tsis sib xws thiab kev sib raug zoo nrog rau lwm yam khoom vaj khoom tsev; Kev siv nyiaj feem ntau yuav tsum tau ua rau cov haujlwm no, uas ua rau lawv muaj kev xaiv nrov hauv kev lag luam khoom vaj khoom tsev los pab tiv thaiv kev nce nqi.

3. Khoom Commodities

Cov khoom lag luam yog cov peev txheej uas feem ntau tau txais kev siv thiab suav nrog cov khoom muaj txiaj ntsig zoo ib yam li tooj liab thiab cov ntawv cog lus yav tom ntej. Cov khoom vaj khoom tsev zoo li no kuj pom nyob sab nraum lub khw muag khoom, tab sis muaj ob peb lub ntsiab lus tseem ceeb kom paub txog thaum nqis peev.

Tooj liab yog cov cuab yeej cuab tam cyclical, txhais tau tias nws txav nrog rau kev ua lag luam. Nws tseem ceeb heev kom nco ntsoov tias, zoo li txhua yam khoom muaj nqis, tus nqi yog nyob ntawm tus nqi ntawm cov khoom muaj; qhov no txhais tau hais tias cov teeb meem hauv cov txheej txheem mining lossis tag nrho cov saw hlau tuaj yeem cuam tshuam rau koj cov peev txheej. Raws li International Copper Association, tooj liab xav tias yuav loj hlob li 50% hauv 20 xyoo tom ntej. World Bank tsab ntawv ceeb toom 2017 "Lub luag haujlwm loj hlob ntawm cov ntxhia thiab hlau rau lub neej yav tom ntej qis carbon" txheeb xyuas cov hlau uas yuav xav tau siab kom paub txog qhov qis / xoom-carbon yav tom ntej. Tooj liab, cobalt, hlau ore, lead lithium nickel manganese, platinum hlau, thiab cov hlau tsis tshua muaj hauv ntiaj teb tau pom tias yog qhov tseem ceeb rau kev txhim kho "cov roj carbon-constrained yav tom ntej." Daim ntawv tshaj tawm kuj tau hais tias peb tuaj yeem pom kev xav tau ntawm cov hlau sai sai vim tias kev lag luam thoob ntiaj teb saib kev hloov pauv mus rau qis dua cov pa roj carbon hneev taw los ntawm 2050.

Cov ntawv cog lus yav tom ntej yog lwm qhov kev xaiv peev hauv cov khoom vaj khoom tsev hauv chav kawm. Cov ntawv cog lus no suav nrog cov khoom siv lub cev thiab cov cuab yeej nyiaj txiag uas qhia txog qhov muaj nuj nqis ntawm cov cuab yeej cuab tam thiab yog tus qauv los pab txhawb kev lag luam ntawm kev sib pauv yav tom ntej. Daim ntawv cog lus obligates ob tog yuav los yog muag ib qho cuab tam ntawm ib tug predetermined hnub thiab nqi yav tom ntej. Cov lag luam yav tom ntej tau tsim los rau lub hom phiaj ntawm kev tiv thaiv. Cov neeg ua liaj ua teb tuaj yeem tiv thaiv lawv cov nqi qoob loo los ntawm kev muag hauv khw muag khoom yav tom ntej, cov txheej txheem tuaj yeem tiv thaiv lawv cov nqi khoom los ntawm kev yuav khoom. Koj tuaj yeem ua tau ib yam: yog tias koj muaj cov khoom lag luam dav dav, koj tuaj yeem siv cov khoom lag luam kev lag luam yav tom ntej los tiv thaiv kev poob hauv koj txoj haujlwm. Muag daim ntawv cog lus yav tom ntej ntawm tus nqi koj xav tau los tiv thaiv koj cov ntaub ntawv khaws cia kom cov nqi sib pauv ua tus nqi pov hwm yog tias tus nqi tsis mus rau koj txoj kev. Yog tias kev ua lag luam mus qhov twg koj ntshai, koj yuav ua rau poob ntawm daim ntawv cog lus yav tom ntej uas tsis sib haum rau koj tuav. Cov yav tom ntej yuav muaj kev pheej hmoo siab dua li lwm yam kev nqis peev thiab cov ntsiab lus ntawm cov ntawv cog lus yuav nyuaj. Nws yog ib qho tseem ceeb kom nkag siab txog kev ua lag luam yav tom ntej thiab cov ntsiab lus ntawm daim ntawv cog lus yav tom ntej - nrog rau cov ntawv zoo.

Evergreen Principles of Hedging

Cov kev vam meej pom nyob rau hauv lwm txoj hauv kev yog raws li kev txheeb xyuas thiab siv peev txheej hauv kev hloov pauv-thiab feem ntau nyuaj-lub sijhawm. Lwm cov khoom muaj nqis uas tsis cuam tshuam nrog kev lag luam Tshuag yog qhov pom tau, muaj txiaj ntsig zoo, thiab tuaj yeem khaws lawv tus nqi vim tias kev siv nyiaj yuav tsum yog ib qho tseem ceeb rau kev tiv thaiv koj cov ntaub ntawv tiv thaiv kev nce nqi thiab kev hloov pauv ntawm lub khw lag luam.

SDIRAs thiab Tax-Advantaged Investing

Leveraging SDIRA los tuav lwm cov cuab tam muaj cov txiaj ntsig se ntxiv uas tuaj yeem ua rau koj cov nyiaj laus ua haujlwm tau zoo rau yav tom ntej. Raws li kev txiav txim siab peev, kev mob siab rau thiab ua haujlwm nrog tus kws pab tswv yim nyiaj txiag yog qhov tseem ceeb. Ua ntej txiav txim siab nqis peev hauv kev lag luam tshiab, tham nrog tus kws tshaj lij se, kev cai lij choj, lossis tus kws pab tswv yim txog nyiaj txiag txog koj qhov xwm txheej tshwj xeeb thiab saib seb puas muaj lwm txoj kev nqis peev hauv tus kheej-directed IRA yog qhov haum rau koj cov hom phiaj so haujlwm.

Cov lus qhia hauv kab lus no yog cov ntsiab lus kev kawm thiab tsis yog peev, se, lossis kev qhia nyiaj txiag. Koj yuav tsum sab laj nrog ib tus kws tshaj lij rau kev tawm tswv yim txog koj qhov xwm txheej tshwj xeeb.