Bayan hutu a watan Agusta, kasuwannin sun dawo cikin watan Satumba kyakkyawan yanayin watannin da suka gabata, wanda ya ba da damar saka hannun jari don haɓaka kadarorinsu zuwa Yuro miliyan 270.153, wanda ke wakiltar kari a watan Satumba kusan Yuro miliyan 1.500 (0,6% fiye da watan da ya gabata), bisa ga sabon bayanan da aka samu daga ofungiyar Investungiyoyin Investungiyoyin Masu saka hannun jari da Kuɗaɗen Fensho (Inverco). Inda aka nuna cewa a farkon watanni tara na shekarar 2019, kudaden saka jari sun samu karuwar 4,9% (miliyan 12.638 fiye da na Disamba 2018).

Lokaci ne mai kyau ga masu saka hannun jari suyi la'akari da yadda za a sami daidaitattun daidaitattun jarin asusun saka hannun jari wanda ake la'akari da gaskiyar tattalin arzikin wannan lokacin. Wannan shine, koma bayan tattalin arziki, ƙimar riba a matakan mara kyau da ficewar Burtaniya daga Tarayyar Turai kuma an san shi da Brexit. Tabbas, su sabbin canje-canje ne waɗanda zasu iya tabbatar da cewa mun zaɓi kuɗin sa hannun jari mafi dacewa fiye da sauran.

Manufar wannan dabarun saka hannun jari ba komai bane face don iya ci gaba da samun fa'ida a cikin wasu rikitattun lokuta don bukatun ƙanana da matsakaitan masu saka jari. Ina aminci dole ne ya fara sama da sauran jerin ƙididdigar rikice-rikice masu ƙarfi waɗanda dole ne a kawar da su daga yanzu don guje wa yanayin da ba'a so. A wannan yanayin, akwai haɗuwa da yawa waɗanda za a iya yi tare da kuɗin saka hannun jari. Amma a kowane hali, za mu ba da mafi kyawun ra'ayoyi domin mu sami nasarar da ta fi kyau game da tanadi.

Jadawalin kudaden

Kadarorin adalci ba za su kasance a shirye-shiryen jakar mu na gaba ba. Amma a kowane yanayi kasancewa masu zaɓaɓɓu a cikin zaɓin su kuma hakan zai zama mabuɗin da za mu iya samun ɗan fa'ida daga yanzu zuwa yanzu. A wannan ma'anar, daidaito wani bangare ne na kudaden da za su iya samar mana da mafi yawan riba, kodayake ya ƙunshi wasu haɗari a cikin ayyuka. Ya kamata tsarin dabarun saka hannun jari ya zama yana nufin kwangila kuɗaɗen da suke faɗuwa  tayin musayar hannayen jari na ƙasa da ƙasa a matsayin tsari don adana babban jarinmu.

A wannan ma'anar, ɗayan mafi kyawun shawarwari a halin yanzu ana samunsa ta hanyar daidaitaccen fayil inda Jakar Amurka da ta Turai adalci. Ba tare da kasancewar kasuwanni masu tasowa ba, wanda, kodayake tare da haɓakar haɓaka mai girma, kasuwannin kuɗi ne waɗanda ke iya wahala mafi wahala a cikin yanayi na koma baya kamar wanda ya taso daga yanzu. Don haka ta wannan hanyar, ana iya kawar da haɗari a cikin kasuwannin daidaito, a wasu lokuta a bayyane ba dole ba.

Tare da dabi'un kariya

Wani dabarun saka jari wanda dole ne mu magance shi yana da alaƙa da amincin da suka ƙunshi waɗannan ma'aikatun. Zai zama da mahimmanci sosai zo daga sassan tsaro hakan na iya yin kyau a cikin mafi munin yanayin don kasuwannin hada-hadar kuɗi. Misali, waɗanda suka fito daga wutar lantarki, kayayyakin masarufi, manyan hanyoyi kuma a wasu lokuta kamfanonin rarrabawa. Shakka babu cewa wannan abun zai rage haɗarin da ƙanana da matsakaitan masu saka jari zasu iya ɗauka. Don haka fa'idodin da muke da su a ƙarshen shekara na iya zama mafi girma idan aka kwatanta da sauran tsarin saka hannun jari a cikin kuɗin.

Wani ra'ayi mai ban sha'awa ga masu saka jari na kiri shine zaɓar kuɗin da suke la'akari da rabon rarraba ta kamfanonin da aka lissafa. Zai zama wani garantin don kauce wa yanayi mai rikitarwa a cikin watanni masu zuwa ko shekara mai zuwa. Ba abin mamaki bane, halayenta na iya zama mafi kyau fiye da sauran ƙimar darajar kasuwar hannayen jari kuma saboda haka ba zamu iya ƙin yarda da wannan shawarar da zata iya ba mu ƙarin fa'ida daga yanzu ba. Har zuwa cewa akwai kudaden saka hannun jari waɗanda suka dogara ne akan wannan halayyar tsaro. Dukansu a fagen kasuwannin daidaito na ƙasa da wajen kan iyakokinmu.

Carefularin hankali tare da tsayayyen kudin shiga

Duk da abin da wasu ƙananan saka hannun jari ke iya yi imani a wannan lokacin, saka hannun jari a cikin tsayayyen kudin shiga ba shi da aminci ko kaɗan. Idan ba haka ba, akasin haka, kuma a halin da ake ciki yanzu, zai iya ƙara dagula mana yanayin game da rikitaccen duniyar kuɗi. Tare da haɗari mafi girma fiye da na daidaitattun abubuwa, wani abu da bai taɓa faruwa a wasu lokuta ba, amma yanzu da fuskar tarin bashi Yana iya ba mu fiye da ɗaya mummunan mamaki a kowane lokaci. Ba za mu sami wani zaɓi ba sai dai don yin ƙwazo sosai da wannan kadarar kuɗi a cikin kuɗin saka hannun jari.

Don kauce wa yanayin da ba a buƙata sosai ga masu saka hannun jari, mafi kyawun shawara shi ne zaɓar abubuwan amintattu waɗanda za su iya zama mafaka a cikin waɗannan yanayin. Ofayan mafi ba da shawarar shine shaidu na Amurka, wanda yana iya zama mafi daidaito a cikin wannan sabon yanayin hangen nesa da ke jiran mu daga yanzu. Inda zaka iya samarda dawowar shekara shekara kusan 2% ko 3%. A kowane hali, ya kamata a saka shi a cikin jarin saka hannun jari na gaba da za mu ci gaba a cikin watanni masu zuwa. Kamar lambobin Jamusanci, kodayake zuwa kaɗan, saboda za su iya tsayayya da wannan yanayin tattalin arziki tare da kyakkyawan ci gaban ci gaba.

Sauran kadarori

Mafi yawan masu saka hannun jari na iya haɗawa da madadin kuɗaɗen haɗin gwiwa waɗanda zasu iya yin kyau fiye da sauran kasuwannin. Musamman, a cikin waɗanda suka dogara da wasu albarkatun ƙasa kamar su mai, zinariya, azurfa ko gas. Kodayake kuma gaskiya ne cewa haɗarinsa ya fi na sauran dukiyar kuɗi girma. Amma tare da fa'idar cewa wasu daga cikinsu suna nutsewa cikin yanayin haɓaka sama, kamar yadda yake a takamaiman lamarin ƙarfe mai launin rawaya. Wanne, a gefe guda, kuma yana aiki azaman amintaccen mafaka a cikin yanayin yanayin rauni mafi girma ga kasuwannin daidaito.

Duk da yake a ɗaya hannun, yana iya zama zaɓi mai ban sha'awa sosai don haɓaka iyakokin tsaka-tsaki na kuɗin saka hannun jari. Kamar mabuɗin don bayyana mafi kyau hali na wasu ma'aikatun saka hannun jari kan wasu kuma bayan haka ya zama daya daga cikin manyan manufofin mu a shekaru masu zuwa. Har ila yau, ya kamata a lura cewa wasu dukiyar kuɗi suna da alaƙa da irin girman yanayin da suke da shi kuma wannan na iya sanya mana wahala saka hannun jari a cikin mafi ƙanƙancin yanayin dindindin.

Wallets na kariya

Amma a kowane hali, yana iya zama kyakkyawan mafita don gwada cewa ikon siyanmu baya raguwa a cikin watanni masu zuwa sakamakon rashin kwanciyar hankali a kasuwannin hannayen jari na duniya. Amma ba a cikin kundin cewa ƙananan da matsakaitan masu saka hannun jari na mai ra'ayin mazan jiya ko masu kariya ba zasu ci gaba. Daga cikin wasu dalilai saboda yana iya haifar da matsala fiye da ɗaya a cikin watanni masu zuwa saboda hauhawar farashin. Abin da bai kamata su yi ba shi ne dogaro da dabarun da suka dogara da hasashe a cikin kasuwannin hada-hadar kuɗi.

A waɗannan yanayin, zai fi kyau ka je wani asusun kuɗi amma sanin cewa hakan ba zai ba mu wata riba ba ko kuma a wajenka zai zama mafi ƙanƙanta. Amma zai yi aiki aƙalla don ƙanana da matsakaita masu saka jari ba su rasa kuɗi a cikin matsayinsu ba, wani ɓangaren da tabbas dole ne a kimanta shi a cikin dabarun saka hannun jari mafi tsaro inda aminci da adana tanadi suka fi komai ƙarfi. Wannan shine kawai makasudin da dole ne a sanya hannun jari ga asusun saka jari tare da waɗannan halayen kuma a gefe guda waɗanda suke da ƙananan kwamiti, haka kuma a cikin kuɗin gudanarwarta ko kulawar. Amma tare da ƙarancin ɗaukar ma'aikata a cikin 'yan shekarun nan azaman ƙarancin sha'awa daga ɓangaren masu amfani.

Ribar kuɗi

Bayan shakku da aka haifar a cikin watan Agusta, kasuwannin hada-hadar kudi sun dawo cikin watan Satumba kyakkyawan yanayin watannin da suka gabata, kuma sun rufe kwata tare da samun sakamako mai kyau a cikin manyan kasuwannin hada-hadar hannayen jari, a cewar sabon bayanan da suka fito daga Kungiyar Hadin Gwiwar Kungiyoyin Zuba Jari da Kudaden Fansho (Inverco) ..In this shari'ar, alamar ta Spain mai suna Ibex 35 ta yi fice, wanda a watan Satumba ya fitar da kyakkyawan sakamako sama da 4%, kodayake sauran alamun sun kuma bayar da sakamako mai kyau.

A cikin yanayin kwanciyar hankali mafi girma, IRR na yarjejeniyar shekaru 10 ta Jamusawa ya karu zuwa -0,57% daga -0,70% a watan da ya gabata kuma yawan amfanin shekaru 10 na Sifen ya karu kaɗan zuwa 0,13%. An rage darajar haɗari a Spain kuma an rufe watan a 73 bps (83 bps a watan Agusta). An rufe farashin canjin Euro akan dala a 1,09, wanda ke nufin cewa a wata na uku a jere kudin Amurka ya sami ragin kusan 1% akan Yuro. A matsayin ɗayan zaɓuɓɓuka don ɗaukar matsayi a cikin shekaru masu zuwa.