An ƙirƙiri kayan ƙira a matsayin ɗayan zabi don saka hannun jari a cikin lokuta masu rikitarwa. Tare da fa'idar da zaka iya zaba kadarorin kudi daban-daban, daga kofi zuwa waken soya, ta sikari. Akwai shawarwari da yawa waɗanda kuke buɗe don sa ribar kuɗi ta zama mai amfani ta hanya mafi kyau. Wato, tare da ingantaccen aiki sakamakon tasirin kasuwannin sa. Amma kasancewar irin wannan fannoni daban daban, kuna da dabaru daban-daban don aiwatar da ayyuka. A matsayin wani zaɓi na asali da ingantacce fiye da sauran al'amuran da kasuwannin kuɗi ke bayarwa a halin yanzu.
Daga wannan hanyar a cikin saka hannun jari mai zaman kansa, ana samun albarkatun albarkatun gona a cikin ƙananan shekaru. A wasu lokuta, tare da farashin da ba a gani ba tun shekara ta 2015. Ban da kofi na Arabica, wanda zai iya tattara kuɗin kuɗin da ke neman dukiyar kuɗi tare da kwanciyar hankali da ɗan ci gaba zuwa sama. A kowane hali, kowane ɗayan waɗannan kayan albarkatun yana nuna canjin daban. Don ku sami ƙarin bayani don yanke shawara, za mu nuna muku yadda juyin halittar wasu ƙananan albarkatun ƙasa suke kasancewa.
Wata dabara ce daban wacce babbar manufar ta itace nemi sababbin damar kasuwanci. Bayan kasuwannin daidaito, tun da ƙanana da matsakaitan masu saka jari ba sa rayuwa a kasuwar jari kawai ba. A lokacin da waɗannan kasuwanni zasu iya fara hanyar ƙasa, kodayake wasu masanan harkokin kuɗi sun fi kyau kuma sun nuna cewa a cikin watanni masu zuwa ana iya haifar da baƙin ciki a waɗannan kasuwannin kuɗin. Duk abin da yanayin zai iya faruwa, koyaushe yana da ban sha'awa a sami mai maye gurbin don ku sami damar saka kuɗin ku. Kodayake yana cikin kasuwa kamar yadda ba a sabawa ba kamar yadda yake wanda aka tsara akan albarkatun ƙasa.
Kayan abu: kofi a matsayin kadari
Idan akwai wani abu mai ɗanɗano wanda ke aiki azaman mai fitar dashi don kowane irin saka hannun jari, wannan ba wani bane face kofi. Bugu da kari, yana daya daga cikin kadarorin kudi da mafi kyawun yanayin fasaha yana da a yanzu. Domin hakika, duk da ƙarfin samarwa a wasu ƙasashen duniya, yana iya fa'idantar da farashi. Gaskiyar magana tabbatacciya ce kamar raguwar samarwar Brazil. Har zuwa lokacin da masana a wannan kasuwar suka nuna cewa ana iya jin ragin wadatar. A kowane hali, yana ɗaya daga cikin mafi kyawun kayan albarkatu don ɗaukar matsayi daga yanzu. Duk da kasadar da ke tattare da wannan aikin.
Dole ne kuma mu tuna da abubuwan da ake samarwa a Colombia, kasar da ke samar da kofi daidai gwargwado. Ba za a manta da cewa shi ke da alhakin kashi 15% na samarwar duniya ba. Da kyau, bayanan da aka fara sani ba su nuna canje-canje masu mahimmanci dangane da shekarun baya. Daidai ne sashin karshe wanda muke dashi shine na shekara ta 2016 kuma wannan yana nuna cewa samarwa girma a wannan lokacin game da 30%. Koyaya, rashin amfanin wannan kadarar kuɗi shine cewa zaku tafi kasuwannin duniya don ɗaukar matsayi. Sai dai idan kun zaɓi asusun saka hannun jari na waɗannan halayen. Amma a kowane hali, yana ɗaya daga cikin albarkatun ƙasa da za'a yi la'akari dasu daga yanzu. Kodayake tare da mafi yawan kuzari fiye da sauran shawarwarin saka hannun jari.
Sugar, ba a sani ba tsakanin masu saka jari
Tabbas, akwai ƙananan zaɓuɓɓuka masu maimaitawa tsakanin masu saka hannun jari. Kuma ba tare da wata shakka ba wannan ɗanyen kayan yana ɗaya daga cikinsu. Ba abin mamaki bane, yana ɗaya daga cikin manyan abubuwan da yan kasuwa ba su sani ba. Kada a manta cewa har yanzu, Noman sukari na Brazil, mafi girman masana'antar noman rake tare da rabon duniya na 22%, yana tara haɓakar shekara kusan 6%. Koyaya, haɗarin ya ma fi na sauran shawarwarin saboda tsananin tasirin wannan kadarar kuɗi. Kuma wannan an tanada shi don ingantaccen bayanin martaba. Inda ake neman riba daga mafi yawan mashahuran tsari.
Wani yanki na bayanai na sha'awa na musamman shine wanda ke nufin Tarayyar Turai. Da kyau, daga wannan jikin an kiyasta cewa a cikin shekaru goma, samar da sukari a cikin wannan yanki na tattalin arziki zai karu da 6% idan aka kwatanta da matakan bara. Saboda haka wani ɗayan damar da yakamata ku tantance don samun shi a cikin jakar saka hannun jari. Zai yiwu tare da sauran shawarwari, gami da waɗanda ke cikin jarin. Koyaya, akwai rarrabuwar kawuna mai ƙarfi wanda yakamata ku tantance daga yanzu. Ba wani bane illa gaskiyar cewa a ƙarƙashin ƙaruwar haɓaka cikin wadata, manazarta a wannan kasuwar kasuwancin ba sa ganin farashin sukari ya murmure. Wannan zai zama mummunan labari ne ga abubuwan da kuke sha'awa kuma idan daga ƙarshe zaku ɗauki matsayi a cikin wannan mahimmin abu.
Cocoa, tare da karuwar 18%
Wani daga cikin albarkatun kasa wanda zaku iya tona asirin ku shine babu shakka koko. Har zuwa 'yan shekarun da suka gabata, yana ɗaya daga cikin kamfanonin da suka samar da mafi yawan riba ta hanyar ayyukanta. Amma gaskiya ne cewa abubuwa sun canza kuma abubuwa ba haka suke ba. Inda a wannan lokacin, sanannen gaskiyar shine cewa samar da koko ya karu da kashi 17% idan aka kwatanta da shekarun baya. Da abubuwan yanayin yanayi Hasashe game da wannan kadarar kuɗi yana canzawa kowace rana, kuma a kowane hali yana ɗaya daga cikin mawuyacin yanayi don buɗe matsayi kafin ƙarshen shekara. Inda daya daga cikin mahimman abubuwan da zasu shafi samar da ita ta samo asali ne daga mummunan fari da Brazil ke fama da shi. Aya daga cikin mahimman masana'antu a duniya kuma wannan shine mafi yawan farashin cocoa a kasuwannin kuɗi.
A kowane hali, matsayinta ma yana da rikitarwa tunda zaku tafi zuwa ƙasashen duniya don saduwa da wannan buƙatar ta musamman. Don kaucewa kowace irin matsala, mafi kyawun dabarun ɗaukar matsayi a ɗayan mahimman albarkatun ƙasa kamar koko na iya faruwa ta hanyar kudaden musaya, wanda aka fi sani da ETFs. Haɗin haɗin siye ne da siyarwa akan kasuwar hannun jari da kuɗaɗen haɗin gwiwa. Amma tare da ƙananan kwamitocin da ke ba da tallafi fiye da waɗancan samfuran kuɗin. A gefe guda, kuna da kudade masu yawa don la'akari da wannan ainihin saka hannun jari a yanzu.
Hadarin waɗannan ayyukan
A kowane hali, saka hannun jari a cikin waɗannan kayan albarkatun suna ɗauke da jerin abubuwan rashin dacewa waɗanda dole ne ku tantance don yanke hukunci ko ya dace muku da aiwatar da waɗannan ayyukan na musamman ko a'a. Ba wai kawai saboda ƙwarewar ayyukanta ba, har ma cewa za ku bar kan iyakokinmu don aiwatar da wannan sabon yunƙurin saka hannun jari. Tabbas, ba zaku sami sauki ba tunda zaku fuskanci matsaloli da yawa. Fiye da yadda zaku iya tunanin tun farko. Waɗannan sune wasu waɗanda zaka iya samu a hanya.
- Ba kamfani bane na yau da kullun don haka na buƙatar zurfin ilimi na kasuwannin su. Inda duk wani kuskuren lissafi na iya biya mai tsada daga yanzu. Sai kawai idan kuna da ƙwarewa a cikin ayyukansu za ku sami mafi girman gefe don saduwa da waɗannan albarkatun ƙasa.
- Duk wani abin da ya faru, komai ƙanƙantar sa, na iya shafar farashin waɗannan kadarorin kuɗin. Saboda wannan dalili yana da kyau wahalar daidaita farashin shiga da fita na wadannan kasuwannin hada-hadar kudi. Tare da mafi haɗari a duk ayyukan da kuke tsarawa daga yanzu.
- Irin wannan hadadden saka hannun jari ne wanda ake buƙatar samfuran kuɗi waɗanda zasu iya buɗe matsayi a cikin waɗannan albarkatun ƙasa. Tare da wasu kadarorin kuɗi kamar yadda yake a cikin shirye-shiryen saka hannun jari ko ETFs. A matsayin ɗaya daga cikin dabarun da aka yi amfani da su don haɓaka saka hannun jari ta hanyar da ta fi sauƙi.
- Ba jari ne mai dacewa ba don duk bayanan martaba na ƙanana da matsakaitan masu saka jari. Amma kawai don mafi yawan tashin hankali kuma waɗanda suke son ɗaukar kasada don haɓaka matakan ribarsu. Idan aka ba da ƙarancin fa'idar kayayyakin banki (ajiyar kuɗi, rancen kuɗi ko lamuni). Wannan da kyar ya wuce matakan 1%, kuma hakan yana nuna rashin gamsuwa ga masu amfani.
- Jari ne wanda haka yake nesa da canons na gargajiya Ba ya buƙatar irin dabarun da kuka yi amfani da su har yanzu a cikin wani aji na kadarorin kuɗi. Zuwa ma'anar amfani da sabbin hanyoyin aiki don cimma burin ku.
- Hadarin shine mafi ɓoye fiye da sauran nau'ikan saka hannun jari. Inda zaka iya samun kuɗi da yawa a cikin ɗan gajeren lokaci. Kodayake saboda wannan dalili zaku iya barin yuro da yawa akan hanya. Ko da barin mahimmin rami a cikin lissafin binciken asusunku. Saboda wannan, dole ne ku yi hankali a cikin zaɓi na albarkatun kasa. Don ɗaukar ƙananan haɗari fiye da yadda ake tsammani.