Mininzi iminqweno yabatyali-mali abancinci nabaphakathi, njengakwimeko yakho, yokuba amadoda amathathu azizilumko azalisekise kulo nyaka mtsha osandul’ ukuqalisa ngezipho zawo. Emva kwe-a umthambo ozele kukungaqiniseki kwaye oko akunelisi kangako kwimidla yabo. Ayilolize, abakhange bayifumane imbuyekezo ebebeyilindele kwiminyaka elishumi elinesibini eyadlulayo. Ngoku kufuneka sazi kuphela ukuba aba bantu bokwenyani bayakuhlangabezana nale mfuno yamawaka kunye namawaka abalondolozi.
Njengoko unyaka omtsha uqala, hlaziya iinkohliso. Kwaye njengoko kungenakuba ngenye indlela, nakwihlabathi lemali kwaye ngokukodwa kakhulu kutyalo-mali. Ayizukuba lixesha elilula kumntu wonke, kunye nabaninzi tha ndabuza kwiimarike zemali. Kodwa ngokuthakazelelwa okuncinci kwicala labathunywa basebukhosini indawo yabatyali-mali inokuqiniswa. Phofu ke, kukho ixesha elininzi elingaphambili lokugqiba enoba le minqweno iya kuzaliseka kusini na.
Lo nyaka uya kuba nengcebiso ngakumbi ngenxa yeziganeko ezininzi ezinokuthi zenzeke ukusukela ngoku ukuya phambili. Ukusuka kwezoqoqosho ukuya kwezo zineentsingiselo zentlalo nezopolitiko. Ngokuqinisekileyo akukho nto iya kusilela. Kwaye ukuba ungumtyalomali ophindaphindiweyo iimvakalelo ezinamandla kakhulu zikulindile kwiinyanga ezimbalwa ezizayo. Kuzo zonke iintlobo kunye neentlobo ezahlukeneyo zendalo. Ngamafutshane, umkhusane uvula into eya kuba yinkqubo entsha ye-stock market. Ngaba ukulungele ukuyithatha kwiimeko ezifanelekileyo?
Izipho: ukugcinwa kweentlobo
Isicelo esingayi kulahleka kwileta eya kwiZilumko eziThathu siya kuba kukugcinwa kwemilinganiselo yenzala kwi-euro zone. Kwaye oko kukhokelele ekuthotyweni kwexabiso lemali. Ayilolize, okwangoku ikwimbali esezantsi, kwi-0%. Oko kukuthi, ixabiso lemali alixabisanga nto ngoku. Umlinganiselo oye wahlala kakuhle kakhulu kunye nabo bonke abatyali-mali. Kwaye eyona ndlela ingcono yenkangeleko yezabelo zamashishini ezingenanzala emisiweyo kufuneka igcinwe yeyokuba iireyithi zihlale zingaphantsi kwezi zinto zingatshintshiyo. Iimarike ziya kuyithakazelela, mhlawumbi ngokunyuka okuxhaphakileyo kwiimarike zezabelo zelizwekazi elidala.
Esi sicwangciso semali sinokuba sesona sixhobo silungileyo sokunyusa okutsha kuzo zonke iimarike zemasheya. Ngesi sizathu, ngumnqweno wokuba abona batyali-mali bancinci abathobekileyo bacele ngokuqina okukhulu. Uqikelelo, kwelinye icala, lubonisa ukuba kuya kuba njalo. Kungcono kwisiqingatha sokuqala sonyaka. Okwangoku, iimpawu ozinikezelayo kwi-European Central Bank (ECB) zikweli cala. Akukho nto imangalisayo ilindelekileyo enokuthi ibambe ngaphezu komtyali-mali omnye ngaphandle kokulinda.
Omnye umlinganiselo onokunyusa iimarike zemasheya ngeli xesha ukugcinwa kwemali leyo itofwa ngamaqumrhu emali eManyano yaseYurophu. Ayilolize, yenye yezinto ezibalulekileyo kwimpembelelo entsha ye-bullish kwiimarike zezabelo zale ndawo. Ngaloo ndlela, umongameli we-ECB sele evakalise ukuba olu ncedo kwiimarike lunokuphela ngo-Epreli. Ngokuqinisekileyo ayizukuba ziindaba ezimnandi zotyalo-mali lwakho. Nangona olu tshintsho kwindlela lusafuna ukuqinisekiswa.
Ukuqhuba ukukhula kwehlabathi
Kambe ke, ukuze izabelo zamashishini ezingenanzala emisiweyo zibonise imeko entle ngeli xesha, kuyimfuneko ngokupheleleyo ukuba ukukhula koqoqosho lwamazwe ngamazwe kuphuhle ngamathemba angcono kunangoku. Ibiya kuba zezona ndaba zilungileyo ezinokukuzisela zona iZilumko eziThathu. Ewe, amathemba ekuqaleni konyaka awawona angcono. Kodwa oku kunokutshintsha ngemisitho emitsha enokukhuthazwa inyanga nenyanga ukusukela ngoku ukuya phambili.
Ukuza kuthi ga ngoku, izibikezelo zemibutho ephambili yamazwe ngamazwe azikho kakuhle ngokupheleleyo. Ngohlaziyo olusezantsi oluncinci ezinganiki themba lininzi kubatyali-zimali abancinci. Kuyo nayiphi na imeko, yenye yeemfuno ekungafanelanga ukuba iphoswe kwiminqweno yakho kwiZilumko eziThathu. Ekuphela kwento eseleyo kukuba ube mkhulu kwaye ukwazi ukwanelisa esi sinyanzelo sikhethekileyo ubucelile kubo. Kwaye ukuba incediswa yeminye iminqweno, konke kungcono kwiminqweno yakho. Kuba iya kuba luncedo kakhulu kubudlelwane bakho kunye nemarike yemasheya.
Kufuneka ugcine engqondweni ukuba kwicandelo le-stock market kubaluleke kakhulu ukuba kukho ukukhula koqoqosho. Bangamahlakani amahle kakhulu ngokweenjongo zabo. Kuya kuba nento eninzi yokwenza nokuba yintoni na ukusasazwa kwemimandla ngokwejografi ubunzulu bala manqanaba kuhlumo loqoqosho. Akunjalo kwilizwe elinobunzima obuthile obukhulu njengeJamani okanye kwiintlanga ezinokubaluleka okuncinci kwimeko yamazwe ngamazwe.
Ukubuyiswa kwexabiso leoli
Ukunyuswa kwexabiso lale mathiriyeli ibalulekileyo kuya kwamkeleka kakhulu ngabo bonke abatyali-mali abancinci nabaphakathi. Phakathi kwezinye izinto kuba kuya kuba nefuthe ekuziphendukeleni okuhle kwemarike yemasheya ngeli xesha. Ingakumbi ngothotho lwezibambiso eziya kuxhamla kwi ukunyuka kwexabiso leoli ekrwada. Ayizizo iinkampani zeoyile kuphela, kodwa kunye neenkampani ezijikelezayo ezidityaniswe nokukhula koqoqosho. Ngokunokwenzeka kokufumana imbuyekezo ephawuleka kakhulu yokonga.
Le meko inokwenzeka kakhulu kwi-2017. Izivumelwano phakathi kwe-Organization of Petroleum Exporting Countries (OPEC) zihamba ngale ndlela. Akunakukhutshwa ukuba ixabiso lombhobho lingakwazi ukoyisa umqobo obalulekileyo weedola ezingama-70. Nangona ukutshintshiselana ngexabiso lepetroli liya kukubiza ngaphezulu ukusuka ngoku ukuya phambili ngalo lonke ixesha xa usiya kuthambisa le petroli kwimoto yakho. Iya kuba lixabiso okufuneka ulihlawule ukuvelisa inzuzo enkulu kwi-equity kwihlabathi jikelele.
Konke oku, kunyaka ofana nowokugqibela apho ixabiso liye lehla kwiimarike zemali. Ngokuchanekileyo esinye sezizathu eziphambili zokuba kutheni iimarike zemasheya emhlabeni wonke ziye zaba nokuziphatha okungaqhelekanga kwiinyanga zamva nje. Ukuphelelwa lithemba kwakho ngamaxesha athile athile ngexesha lokuzilolonga. Kwakhona, igolide emnyama iya kuba ngomnye wabalinganiswa abakhulu ukususela ngoku ukuya phambili. Ngokuqinisekileyo uya kubuza ookumkani baseMpuma ukuba ezi marike zemali azikuphoxi.
Uxolo olukhulu lwentlalo
Nangona ingekuko ukuguquguquka kwezoqoqosho, akuthandabuzeki ukuba iya kuba nefuthe kwiimarike zemali. Kwaye mhlawumbi kulo nyaka kunanini na ngaphambili. I isoyikiso sohlaselo lwamaSilamsi Kwihlabathi laseNtshona kuyingozi ecacileyo kwii-asethi zemali. Ngokwenyani ngaphandle kokukhetha. Ngokunokwenzeka ukuba banokwenza ukuwa okunzulu kuzo zonke iimarike zamazwe ngamazwe. Awuyi kuba nenketho ngaphandle kokumamela kakhulu into enokwenzeka malunga noku kuguquguquka ngaphandle kwelizwe lezoqoqosho.
Omnye umba onokuthi uphazamise ukuvela kweemarike zemali ziziphumo ezininzi zonyulo eziza kwenzeka ukuqala kule nyanga kaJanuwari. Uluhlu lwamazwe ane ukuqeshwa kwezonyulo Ayinasiphelo. IFransi, iJamani, iItali, iHolland kunye neAustria ziya kuba zezinye zazo. Kwaye okunokwenzeka eSpain, kwaye oko kuya kuthetha enye into yokungaqiniseki kwimarike yesitokhwe saseSpain. Ewe ezi ndaba bezingeke zamkelwe kakuhle kakhulu. Akunjalo ngeemarike, okanye ngabatyali-mali ngokwabo.
Uzinzo ngakumbi kwiimali
Le asethi yemali ebalulekileyo yenye yezinto ezinokumisela ukuguquka kwee-equities ngo-2017. Ingakumbi emva kokufika kumongameli wase-United States of uDonald Trump. Ukulungiswa kwayo kobudlelwane bamazwe ngamazwe kunokukhokelela kuguquguquka okuphezulu kwiimali ezinkulu zamazwe ngamazwe. Ayizukuba ziindaba ezimnandi kumdla wakho njengomtyali-mali.
Kuya kufuneka ube neealam ezisetwe kwezinye iimali. Phakathi kwabo idola yaseMelika, i-euro kunye ne-yen yaseJapan. Ngokungathandabuzekiyo iya kuba yenye yezona marike zemali zingacingelwanga kweli xesha litsha elisanda kuqala. Iimvakalelo ezinamandla zilindelekile kwaye unokuthatha inzuzo yazo ukuba ukhawuleza kwimisebenzi oyivulayo kule asethi yemali. Kuyo nayiphi na imeko, kukho abatyali-mali abaninzi abaya kuba nemibono yabo kule marike inempembelelo.
Isenokumisela inguquko yeemarike zamazwe ngamazwe ukususela ngoku ukuya phambili. Ukuya kwinqanaba lokuba kuya kuba lula kakhulu ukuba ezinye zeemveliso zezimali onokuthi zikhontrakthi zigutyungelwe ngeemali zangaphandle. Ngokukodwa, i mali mali. Iya kuba yindlela eluncedo kakhulu kuwe yokukhusela ukonga kwakho ukusukela ngoku kude kube sekupheleni konyaka.
Ngamadoda amaThathu azizilumko azalisekisa eminye yeminqweno yakho, uya kuba ngaphezulu kokukhonzwa kwesi mfuno singaqhelekanga. Kuphela njengokuba iiveki zihamba uya kufumana impendulo kwezi mfuno ozibonakalisileyo ngale leta izele zinjongo namathemba. Iya kuba ngunyaka ongalinganiyo kakhulu apho kuya kufuneka uthathe ithuba kuzo zonke mathuba o shishino eziziswe kuwe. Nokuba yeyiphi na imeko, intshiseko yinto ongayi kuswela ukonyusa imisebenzi yakho nakweyiphi na imarike yezemali apho uvula khona iintshukumo zakho. Uneenyanga ezilishumi elinesibini phambi kwakho eziya kuba yimincili kakhulu ukusukela ngoku ukuya phambili.