Nzira yekuzvidzivirira sei kubva kuinflation uye kukwira kwemitengo yemari

Hazvisi zvitsva, uye takatotaura pamusoro peblogiti, kuti inflation inoremedza hupfumi uye homwe dzevatengi. Tinozviona paterevhizheni, tinozvinzwa paredhiyo, tinozviwana muzvitoro zvikuru, muzviteshi zvepeturu, uye mukukurukurirana nevavakidzani. Pamusoro pezvo, uye nechinangwa chekurwisa mhedzisiro yekukwira kwemitengo, mabhanga epakati penyika yese ari kutanga uye kukwidza mitengo yemari. Tichifunga kuti zviri kuitika hazvidzivisiki, mubvunzo wedu unofanira kuva, "nzira yekudzivirira kubva kune inflation?"

Ngatikumikidzei chinyorwa ichi kune yazvino inopisa musoro wekuwedzera mutengo, uye ona Chii chatingaita nezvazvo kutidzivirira. Ndeapi mazano atinogona kuwana, uye zvakare kuziva kuti ndedzipi sarudzo dzatinadzo kana, pane kudaro, tichitenda kuti izvi zvichave zvenguva pfupi.

Fixed Income, mari shoma yakagadziriswa

Mari inoisa mari mune zvese zvakagadziriswa uye inosiyana mari iri kuratidza kurasikirwa mwedzi iyi. Zvichienderana nemaitiro ekudyara kwako, pane zvimwe zvakasarudzika zvave zvakanaka, asi zvanga zvisiri zvenguva dzose. Zvikurukuru chikamu chakaipisisa chakatorwa neHomwe dzakagadzirirwa Fixed Income, inoonekwa sekudyara kwevanochengetedza.

Cherechedza kuti kana ndikataura kuti vakatora chikamu chakaipisisa, handisi kureva zvakanyanya kuhuwandu hwekurasikirwa, asi kune kurasikirwa maererano nekubatsira kuduku kwavaigona kupa.

Panguva ino, zvakakodzera kufungisisa uye kufunga chii chatingatora zvichibva pakuti isu tinofunga kuti mari dzemubereko nemabhondi zvichashanda sei mune ramangwana. Pane zvinhu zvitatu zvinogona kuitika:

1. Kuti kufarira kwezvisungo kunoramba kwakagadzikana. Parizvino vaongorori vashoma ndivo vanofunga nezvechiitiko ichi. Zvimwe tichifunga, semuenzaniso, kuti mabhanga akadai seECB akatozivisa kuti achaderedza kukurumidza kwekutenga chikwereti.
2. Kuti kufarira kwezvisungo uye Euribor zvinodzika. Mamiriro ezvinhu ayo achiri mashoma anogoneka. Pakati pezvimwe nekuti nekukwira kwemitengo kuri kukwira mahara, izvo zvisingatarisirwe zvakanyanya kukurudzira kushandiswa.
3. Rega kukwira kwemitengo kuenderere mberi. Mamiriro ezvinhu aripo iye zvino atiri kuona uye angangoramba achiitika, anofungwawo nevazhinji vanoongorora.

Maitiro ekuita zvinopesana nekuita kweFixed Income zvinoenderana nekufanotaura kwako?

Kana iwe uri mumwe weavo vanotenda kuti iyo yakaipisisa yapera, pasina mubvunzo sarudzo yakanakisa ingave yekutenga mabhondi. Pamwe zvakananga, uye / kana kuburikidza neFixed Income homwe yakatsaurirwa kune yakataurwa manejimendi. Haisi chinhu chandinokurudzira ini pachangu, chokwadi ndinoona mitengo yakaderera zvakanyanya nekuda kwekukwira kwemitengo kuripo.

Nekune rimwe divi, kana iwe uchifunga kuti Fixed Income icharamba ichiita zvisina kunaka, zvingave zvakanaka kutanga nekusadyara kana kuderedza zvinzvimbo. Pane zvakare mukana wekutenga maPUT anotaridzwa kune ETF ine kuratidzwa kumabhondi. Uye zvechokwadi, pane nguva dzose sarudzo yekutenga inflation-linked bonds.

Variable Income, maitiro ekuzvidzivirira kubva kuinflation nemashares

Sezvo mutengo wezvigadzirwa uchikwira, makambani mazhinji anofanira kukwidza mutengo wezvigadzirwa kana masevhisi avo. Izvi zvinoita kuti mari inoraswa yevatengi itambure, nekuda kwekurasikirwa kwesimba rekutenga. Makambani ari kuita zvakanaka anowanzo kunge ari ezvigadzirwa zvekutanga munguva yekusagadzikana uye inflation. Somuenzaniso, Coca-Cola. Avo vane kuita kwakaipisisa, iwo macyclical, semuenzaniso iwo emota.

Inflation inoburitsa chigumbu mukushandisa, nekudaro kufambisa kudzikira kwakawanda mumusika wemasheya, pamwe nekusagadzikana nekuda kwenyaya yeRussia.

Misika inogona kuramba ichidonha. Chinhu chakaoma munguva dzebearish ndeyekufungidzira kuti dzichapera rinhi mapopoma. Nokudaro, kusarudza zvikwereti zvinoonekwa sepamutengo wakanaka, kana kuti zvichashanda zvakanaka, inogona kuva nzira yakanaka yekukunda inflation nekudzoka kunogona kupa. Izvo zvinofanirwa kucherechedzwa kuti hazvisi pasina njodzi, uye kusarudzwa kwezvibatiso izvo investor mumwe nemumwe anogona kuita zvichanyanya kuona kushanda kweimwe neimwe portfolio.

Real estate investments, iyo inonyanya kuchengetedza mabheti

Inogona kuva bakatwa rinocheka nekwose. Kunyangwe munguva dzekukwira kwemitengo dzimba dzakaita kunge dzichiita zvakanaka, dambudziko rezvivakwa rakatiratidza kuti mitengo inogona kudzika zvakawanda. Kana simba reeuro richiramba rakasimba, mihoro ichiratidza kusiyana kushoma pane zvaitarisirwa uye kuwedzera kwemitengo kuchienderera mberi, kuwedzera kwemari yemumba kunogona kudzikisa mitengo yezvinhu. Kushaikwa kwevatengi vasina kufuridzirwa kwaizowedzera pfuma yedzimba dziripo.

Mune dzimwe nyika dzakaita seGermany, maalarm akatorira nekuda kwekuwedzera kwakasimba kuri kuita dzimba. Isu tinofanirwa kutarisa aya data, kana iri bubble, ine hupfumi husina kusimba, inogona kukanganisa dzimwe nyika uko kuwedzera kwave kuri pakati nepakati, seSpain.

Nekudaro, hazvisi zvese imba, uye kune zvimwe zvivakwa zvakaita senge ivhu, nzvimbo kana mapaki emota kwaunogona kupotera. Kana vairoja, uye paiva an endal currency devaluation, real estate investments ingave sarudzo yakanaka. Uye senguva dzose, kana usina mari iripo, pane mari, maREIT neETFs mumisika ine mukana wemusika uyu kuti ubatsirwe nekutenga kwakachipa, kana kudzokororwa kweramangwana.

Commodities, chengetedzo munzira yekuzvidzivirira kubva kuinflation

Kana mutengo uri kuwedzera zvakanyanya uri wezvigadzirwa, wadii kuzvidzivirira kubva pakukwira kwemitengo nazvo? Tinogona kuisa mari kuburikidza nemasheya emakambani anogadzira zvigadzirwa, maETF anodzokorora maitiro eayo angave anonakidza, kana kuenda akananga kumusika wezvinobvamo. Chimwe chezvinhu zvinofarirwa nevazhinji vanoisa mari kana vanhu vanoda kuchengetedza mari igoridhe. Kupfuura kurwisa inflation munguva refu, kune hukama hwakananga pakati penguva dzekusaziva uye goridhe.

Nyaya inoenderana:

Goridhe Sirivha Ratio

Chinhu chakakosha muzviitiko izvi ndechekuti mumwe nemumwe anofanira kutora njodzi dzaanenge achida kutora. Uye zvechokwadi, haufanirwe kuisa mazai ako ese mubhasiketi rimwe, zvagara zvichinakidza kusiyanisa.

“Mari yakaita semupfudze. Hazvina kunaka kunze kwekunge zvapararira." Francis Bacon