Tenga bepa kana chairo goridhe, chii icho?

Mune iyo mari inosanganisirwa yakawanda uye dzakasiyana hunhu hwemari midziyo. Vazhinji zvekuti vaizounza dambudziko rakaomarara sarudzo pakati pevashambadzi vadiki nepakati. Imwe yeiyi imwe yeiyo nhumbi dzinokosha par kugona sezvakaita goridhe. Asi zviri nyore kusiyanisa pakati penyama uye rakapfuma kana pepa goridhe. Ndizvozvo chaizvo zvekupedzisira zvatiri kuzokurukura kuti tikupe imwe pfungwa nezve kwaunogona shandisa mari yako hereinafter. Asi mune iyi kesi kuburikidza nesarudzo yakakosha, asi yakanyanya yepakutanga nekuda kwenzira dzekufamba kwesimbi iyi mumisika yemari.

Huye, bepa kana chairo goridhe ndiyo yausina iwe panyama asi iyo iwe yaunowana kuburikidza nevashandi. Kunyanya kuburikidza nezvinotora uye izvo zvinogadzirwa kuburikidza akasiyana zvigadzirwa zvemari. Zvimwe zvaunoziva uye nevamwe zvinogona kuve kekutanga nguva iwe kunzwa nezve kwavo kurarama. Asi chero zvakadaro, iwe ungavade ivo pane imwe nguva muhupenyu hwako kuti uite iyo balance yeako yekutarisa account inobatsira. Kunyanya kana iyo mamiriro emisika yemari isiri iyo inonyanya kufarira. Nekuderera mumutengo wayo kana zvakatonyanya, senge shanduko muitiro, kuenda kubva mukukwiridzira kuenda kuchikwata mumazuva mashoma.

Saka kuti iwe ugare wakanyatsogadzirira kuisa mari yako muchigadzirwa chine hunhu seichi, hapana zvirinani pane kuziva zvazvinosanganisira uye nemabatiro avanoita nzvimbo. Hazvishamise kuti iwe unenge wave nechiridzwa chitsva uye chine simba kutora nzvimbo musimbi yakakosha isingawanzo simbi yeyero. Mupfungwa iyi, haugone kukanganwa iyo goridhe yakaonga mukati megore rino neanopfuura makumi mana chete%. Pamusoro pezvimwe zvinhu zvemari zvekukosha kwakakosha, uye pakati pazvo zvinosanganisirwa main indices emusika wepasi rose wemusika. Iko kwave kwakapfuudza zvakapfuura mazinga e15% mune akanakisa kesi.

Kukosha kwegoridhe

Kuti iwe uvanzwisise zvirinani, zvichave zvakakosha kuti iwe uzive kuti mukutanga kwema80, ounce yegoridhe yakabhadharwa pamadhora mazana masere nemakumi masere. Mutengo wakadzika mukati memakumi maviri emakore anotevera kusvika 850 pa $ 250 paunzi mazinga uye izvi zvakagadzirisa makambani emigodhi kana zvasvika pakugadzira tarisiro nyowani. Kubva pane yekuona maonero, muna 2004, kugadzirwa kwakaderera ne4%, iko kuderera kukuru mumakore makumi matanhatu apfuura. Izvi zvinopembedza kuti tarisiro yegore ra65 inofanoona kuti kugadzirwa kwegoridhe kuchatemwa ne2010% uye chichava chinhu chinomanikidza mitengo. Izvo zvakakosha kuti uzive kuti icho chakanyanya kusanzwisisika kupihwa. Zvinotora makore ari pakati pe30 ne4 kutora goridhe kana mugodhi wawanikwa munzvimbo.

Chimwe chezvinhu zvechinyakare chakaunza kudonha kwakapinza mumutengo wegoridhe anga ari maCentral Banks. Chikonzero cheiyi hunhu chinotsanangurwa nemitero yepamusoro yavakagara nayo. Sezvo kuve negoridhe pachako kusingaunze chero rudzi rwekutsiva, maCentral Banks panguva yekumanikidza mutemo wezvemutemo izvo zvavaiita zvaitengesa kana kukweretesa goridhe mukuchinjana nechikwereti cheimwe nyika. Iyo mitengo yemubhadharo wakakwira vakaita mukana wemubhadharo wekuve nendarama mumatura zvakawandisa uye nekudaro maBhangi akange achida kuwedzera kupihwa nekuzadza musika negoridhe.

Zvinhu zvine njodzi

Kunyangwe hazvo dombo rezvishongo richichengetedza huremu hwemumiriri, zvinoita sekunge iri kudzikira mukuderera. Kugadzira kwakadonha zvakanyanya kubva muna 1997 kusvika muna 2002 kunyangwe mumakore achangopfuura kwadzikira. Chii chiri chikonzero cheichi chazvino rebound? Zvingangodaro kuenderana here? Kuti upindure mubvunzo uyu, zvakakosha kuti unzwisise kuti mumakore a1997 kusvika 2003 vanhu vaida goridhe vachishandisa zvekuvaraidza vaive nyika dzepasi rese dzekutanga. Iyo kumwe kuzadza pamwe nekuputika kwetekinoroji bubble uye kusimba kwehupfumi hwavo, vakatadzisa kudiwa.

Muna 2003 maitiro akachinja nekuti China, uye kune zvishoma India, inotanga kutengesa kunze kwenyika zvakanyanya. Iyi mari inoburitsa hupfumi hunokonzeresa kudyiwa munzvimbo dzechivanhu. Kutaura nezvetsika, muenzaniso wekuda kuziva unowanikwa mune yechitendero chikamu. Iwo maGolden Buddha anoitwa kuburikidza nemashizha egoridhe ayo akatendeka dhipoziti yekufukidza Buddha uye iwo avanofanira kutsiva gore rega.

Ndarama-yakatarisana nemakambani emigodhi

Ehezve, zvichave zvakafanira kwazvo kuti iwe uzive kuti makambani anotarisisa egoridhe anotariswa mumatanho maviri. Kune rimwe ruoko, nekuda kwehukuru hwayo, uye uko zvine musoro nenjodzi yepamusoro ndeye idiki. Ichiri kune rumwe rutivi, zvinoitikawo pakati pevagadziri nevashandisi. Vanodzvinyirira vane njodzi yekutsvaga nekuchera. Iwo mamwe, nekusiyana, tarisa pakurapa uye kugovera.

Izvo zvakare zvakakosha kuti iwe uve nerimwe zano nezvekuti ungawane kupi iyi yakakosha yemari pfuma kutenderera pasirese. Zvakanaka, kuitira kuti iwe usambove nekusahadzika chero kupi, zvichave zvakakosha kuti iwe uzive iwo musika mukuru uko goridhe, sirivheri uye nezvimwe zvisina kukosha simbi (senge Aluminium, Mhangura, Mutungamiriri, Nickel, Zinc kana Tin) zvinotengeswa ndiCOMEX. Kunze kweiyo Platinum sezvo musika mukuru uri TOCOM (yen) uye NYMEX. Mune chero ripi zvaro iwe unogona kushanda. Asi pasi pemakomisheni anodikanwa zvakanyanya mumusika pane kuburikidza nekutenga nekutengesa masheya.

Govera yakakura tsika tsika

Uye zvakare, iwe haugone kukanganwa chero nguva kuti iwe uchazoda rakakura ruzivo rwemari kuti ushande neyero simbi. Chero ipi nzira yaunosarudza kubva ikozvino. Kubva pane ino maonero, musika wegoridhe unokurudzirwa zvakanyanya nekuyerera kunoitwa mumisika yeramangwana. Ipo iyo kuwirirana kwemafuta asina kuchena 40% panhau yegoridhe, mutengo unogona kutsanangurwa ne80% uye 90%. Ichi chidimbu cheruzivo chaunofanirwa kufunga nezvacho kana chinangwa chako chiri kutora chinzvimbo mumazuva mashoma anotevera. Nekuchengetedzeka kwakazara kuti ichagadzira chinhu chikuru mukuvhiya kwauchazoita kubva zvino zvichienda mberi.

Kune rimwe divi, goridhe rinogadzira a kusasimba kusimba mukuchinja kwemitengo yavo. Kubva pane ino maonero, zvinogona kusashamisa iwe kuti mutsauko pakati pemitengo yavo yakakwira neepasi mune imwechete yekutengesa chikamu inogona kukwira pamusoro pe20% mazinga. Chinhu chinonyanya kusakwanisika mune mamwe mafaindi emari. Kunyanya kana zvasvika pamisika yemari, kunyangwe mumisangano nekuchinja kukuru kwemitengo.

Zvakanaka, iyi data ichave yakanyanyoenderana panguva chaiyo paunenge uchizarura nzvimbo mune ino yakakosha simbi. Kunyangwe pamusoro pezvimwe zvehunyanzvi kana kunyange zvakakosha kufunga. Nekuti haugone kukanganwa kuti kudyara goridhe ndechimwe chehunhu hwevose uye havasi vese vashandisi vanoziva mashandiro nechikumbiro chakadai. Chero zvazvingaitika, goridhe nderimwe remari dzinoiswa mufashoni nekuda kwekushanduka kwazvino mumisika.

Mipiro chaiyo yegoridhe

Ehezve, mhando iyi yekudyara inotakura akateedzana hunhu hwaunofanirwa kufunga nezvayo kana uchizotora zvinzvimbo. Hazvishamise kuti, iyi sarudzo yakasarudzika uye kune imwe nhanho inoverengeka inogona kuunza zvimwe zvinoshamisa kubva ikozvino. Uye pakati padzo zvinotevera kumira:

• Hapana nguva iwe uchave uine yakatarwa uye yakavimbiswa kudzoka. Asi pane kudaro, zvinoenderana nekuti misika yezvemari inoshanduka sei. Mupfungwa iyi, ndicho chinhu chepedyo pakutenga nekutengesa masheya pamusika wemasheya.
• Iko kudyara kwakakosha kunoda a zivo huru nemisika yemari. Uye zvakanyanya izvo zvinoenderana nesimbi simbi. Zvekuti iwe unogona kugadzirisa tikiti kune yakanyanya kukurudzirwa mitengo.
• Aya mashandiro haana hapana chekuita negoridhe chairo sezvo ivo vachitanga kubva pamhedziso dzakasiyana zvachose. Uye nehurongwa hwekudyara izvo hazvo hazvina chekuita nemumwe. Kusvika pakushorwa zvachose kubva kwavakabva.
• Iwe hauzombove uine nzvimbo dzepanyama pane ino yakakosha simbi. Asi, iwe uchaisa yako mari pa yako tarisiro yekukura. Semuenzaniso, pane ramangwana kana zvibvumirano zvibvumirano. Uine mukana wepamusoro wekuongorora zvakare. Kunyangwe uchifungidzira yakawanda njodzi kupfuura kusvika zvino.
• Chikamu chakanaka chezvirevo chinogona kuvezwa pazvinhu zvakaita se Investment funds, ETF, kana kunyangwe kubva kumamodeli ane hukasha anosanganisira iyi yakakoshesesa mari.
• Pepa kana goridhe chairo isina kuitirwa kune ese marezinesi profiles. Asi chete kune avo vese vane ruzivo rwakakura murudzi urwu rwekushanda. Ndeapi echokwadi iwo asiri iwo chaiwo mukubata kwavo.