Ngaba lixesha lokuba abatyali mali babuyele kwingeniso emiselweyo? Ukuba sijonga kwiingxelo zezinye iinkampani zolawulo kubonakala ngathi le umendo Yokunika phakathi kokuncinci kunye naphakathi. Ngokudluliselwa kwiipotifoliyo zabo. Kule ntshukumo bajonge ukhuseleko oluthe kratya kwimirhumo yabo yezemali. Nangona ngexabiso le- yeka ezona ntengiso zintle ezinokubonelela ngeendlela zokuthengisa ezahlukeneyo. Ayothusi into yokuba sikwixesha eliphakamisa ukuthandabuza okuninzi phakathi kwabasebenzisi. Ngoloyiko olufihliweyo lokuba banokulahlekelwa yinxalenye yeeasethi zabo ngenxa yotshintsho kwindlela yentengiso yesitokhwe.
Kule meko ngokubanzi, kufanelekile ukuqaqambisa ingxelo yamva nje epapashwe yiNatixis Global Asset Management. Apho kuboniswa khona ukuba abatyali mali baseSpain Abathembi ukunyuka kwemarike yemasheya, okanye idatha yoqoqosho eveliswayo kwiimarike zezemali. Ukuza kuthi ga ngoku ukuba iiphothifoliyo ziya ziba nolondolozo ngakumbi emva kweenyanga ezimbalwa ezidlulileyo. Ngokulumkisa okukhulu ngokubhekisele kumaxabiso kwizabelo, ngakumbi i-US kunye nedola. Kwaye ukubuyela okuqhubekayo kwiimveliso zengeniso esisigxina.
Ngexesha lonyaka apho amasheya ngokwesiko aziphatha kakuhle ngakumbi kwimidla yakho. Apho isiphumo sokubizwa njalo Rally yekrisimesi Iyamkelwa ngabatyali zimali abancinci nabaphakathi. Ngokuphononongwa kweenkampani ezidwelisiweyo ngaphezulu kwe-10%. Ngokwesiqhelo kule nxalenye yonyaka izithuba zokuthenga zibekwa ngokucacileyo kubathengisi ngendlela ecace gca. Esi sesinye sezizathu zokuba ukubonakala kwale ngxelo ngummeli obalulekileyo wezemali kuqhame.
Ngaphakathi kwiibhondi eziguqukayo, eziguqulwayo
Kodwa loluphi uhlobo lwengeniso esisigxina ekhethwa ngabagcini? Ewe, uphononongo lubonisa ngokucacileyo ukuba abatyali mali baphakamisa ubunzima beebhondi eziguqukayo endaweni yeequities. Bafezekisa ntoni ngezi ndlela zokucwangcisa? Ewe, zilula kakhulu njengoko zikwimeko ezingcono ze ukuthatha inxaxheba kwimarike yemasheya enyukayo, kodwa kwangaxeshanye banokuwulawula ngcono umngcipheko wokuwa. Yindlela yothintelo enokwenzeka kwinto ezinokwenzeka kwiimarike zezabelo ukusukela ngoku. Apho iibhondi eziguqukayo zenziwa njengenye yezona ndlela zisebenzayo zotyalo-mali.
Ngaphandle kwayo yonke into, ingxelo ikwabonisa ukuba lAbaphathi babonakala belumke ngakumbi, nangona bengafuni ukuphoswa ngumzuzu olungileyo wentengiso yemasheya. Apho bakhetha ukuvuselela kunye nokuhlaziya iipotifoliyo zabo zotyalo-mali. Ukunika ukubaluleka okukhulu kwingeniso emiselweyo, nangona besazi ukuba umdla wabo uya kuba sezantsi kakhulu kunangaphambili. Okwangoku, imisebenzi oza kuyenza ukusukela ngoku ukuya phambili inokugxila kwezinye iimveliso zezi mpawu. Ngaba uyafuna ukwazi ukuba zeziphi ezinye zezona zindululo ziphakanyiswayo okwangoku?
Umgangatho ophezulu weebhondi zikazwelonke
Enye yezinto ezinokuthi zigcinwe yimarike yakho ebalulekileyo yimabhondi axhaswa ngoqoqosho olukhuselekileyo emhlabeni. Ngale ndlela, olunye lwezona zikhetho zibalaseleyo luya kumelwa ziibhondi ze EJamani naseMelika. Njengoko kubonwe kwezi ntsuku, zimiselwe njengeendawo ezikhuselekileyo xa kujongwa awona maxesha mabi ezemali. Akumangalisi ukuba ukuhamba kwemali kuqhutyelwa kwezi asethi zemali zikhangela ukhuseleko olukhulu. Apho indawo yokuthenga inyanzeliswa ngokubaluleka okukhulu kubathengisi. Ngokunokwenzeka kokuphinda uhlaziye ngaphezulu kokubaluleka kwaye kufuneka uchaze.
Ezi ntlobo zeebhondi zigcina imali yakho isuka Ukuhamba okungahambi kakuhle kwemarike yemasheya. Apho unokufumana ngaphezulu kunokulahleka. Ewe, yenye yeebhentshi apho ikomkhulu labatyali mali libhekiswa khona. Ngokukodwa, abo banephrofayili ekhuselekileyo okanye ekhuselayo kwaye bafuna ukuphuma kwimingcipheko ekhoyo ngoku kwii-equities zamazwe ngamazwe. Kuyo nayiphi na imeko, ingxelo equlunqwe yiNatixis Global Asset Management ibonisa ukuba kubekho ukwanda okukhulu kutyalo-mali kumatyala emarike asakhasayo nakwizicwangciso-qhinga zengeniso esisigxina kwihlabathi liphela. Ngokuvela kwemfuno enkulu yeemveliso ezihlangabezana nezi mpawu zikhethekileyo.
Olunye ukhetho: iibhondi ezihlanganisiweyo
Ewe kunjalo, elinye iqhinga lotyalo-mali ngokuyimfuneko lihamba kwezi mveliso zezezimali. Kungenxa yokuba iibhondi ezihlanganisiweyo zinokuba yinzuzo ngakumbi ukuba imeko yeenkampani yanelisa ngakumbi. Ukuya kwinqanaba lokuba inokuphucula ukusebenza kwesiqhelo kweemveliso zengeniso esisigxina. Nangona kunjalo baneengozi ezingakumbi ekuqeshweni kwabo. Kuya kufuneka uvavanye izibonelelo kunye nezinto ezingalunganga ngokusesikweni kwayo ukuze wazi ukuba ikulungele na okanye awuzibandakanyi kwipotifoliyo yakho yotyalo-mali ukusukela ngoku. Kuba inokuvelisa ifayile ye- Umyinge wenzala yonyaka malunga ne-6%.
Izibophelelo ezihlanganisiweyo, kwelinye icala, ziyindlela yokufikelela kwimbuyekezo yokulingana, kodwa ukusuka kwizikhundla ezilondolozayo. Nokuba ku ngaphandle komngcipheko kuba ngezi modeli zotyalo-mali ungaphulukana nemali. Njengokuba kwenzeka ntoni xa uthenga kwaye uthengisa izabelo kwimarike yemasheya. Ingakumbi ukuba imeko yeenkampani ayisiyiyo eyona inqwenelekayo kwishishini lakho. Nokuba yeyiphi na indlela, inikwe amandla njengenye indlela yokufumana umvuzo oqinisekileyo. Ngokusebenzisa ezinye zeemveliso ezingaziwayo ngabatyali mali abancinci nabaphakathi.
I-euro engcono kunezinye iimali
Olunye uphawu oluboniswa yile ngxelo yotyalo-mali kukuba kukho ezinye iindawo ezibuthathaka ezivuleleke ngakumbi kwizikhundla kunezinye. Ukusuka kwezi zikhundla, kuyacaca ukuba iipotifoliyo nge ulawulo lwendawo ye-euro babetha, ngokomndilili, iiphothifoliyo zehlabathi. Ewe, le yimeko enokuthi ichazwe ngokuhlaziywa kwe-euro xa kuthelekiswa nezinye iimali eziphambili. Phakathi kwazo kubandakanya idola yaseMelika. Nangona kunjalo, xa ujongana neemali unokubaleka kwixabiso elikhulu kumaxabiso abo. Ukuze ufumane inzuzo enkulu ekusebenzeni okwexesha elifutshane. Nokuba usuka kwiindlela ezinoburharha ezenziwa kwiseshoni enye yokuthengisa.
Iidiphozithi ezinxulumene nokulingana
Ngayiphi na imeko, kuhlala kukho ubutyebi bezinto ezinxulunyaniswe nengeniso eyahlukileyo. Ngale ndlela, wena uqinisekisa inzala emiselweyo neqinisekisiweyo qho ngonyaka. Mncinci kakhulu kodwa oko kuya kukunceda ugcine ukugcinwa kweakhawunti yakho yokujonga. Kodwa ukongeza, unokuziphucula ezi margins ukuba uthotho lweemeko ziyafezekiswa kwizicatshulwa zikhuseleko olukhethiweyo. Ukuya kuthi ga kwiipesenti ezintlanu nangaphezulu koqikelelo lwakho lokuqala. Nangona kunjalo, yimeko engazalisekanga kuzo zonke iimeko. Ngokuchasene noko, kuba kunokuthatha okuninzi ukufikelela kwezi njongo.
Ezi ntlobo zedipozithi sisisombululo kubantu abangafuni kuvezwa ngokuthe ngqo kwimingcipheko eyenziwe yimisebenzi yolingano. Banomhla wokuphelelwa lixesha ekufuneka uhlangane nawo kuzo zonke iimeko. Kuba ukuba akunjalo, ngekhe ubenakho ukukhetha ngaphandle kokuthatha iikhomishini ezibanzi kakhulu. Ngangoko banako sondela kwi-2% kwaye iya kunciphisa ukhuphiswano lwenzala eveliswe kule mveliso yemali. Ngamaxesha amade okuhlala kunalawo anikwe amandla kwizimo eziqhelekileyo. Bahamba phakathi kweenyanga ezingama-24 ukuya kwezingama-48 apho kuya kufuneka ulondoloze imali.
Utyalomali olwahlukeneyo
Kwelinye icala, awungekhe ulibale ukuba unokuhlala udibanisa ingeniso emiselweyo kunye nengeniso eyahlukileyo. Ukuze ngale ndlela, ugcine okona kulungileyo kunye nokubi kwiimodeli zombini zotyalo-mali. Enye yeemveliso zezezimali ezimele kakuhle le meko zezi mali mali. Ngeefomathi ezixubeneyo ezenza iphothifoliyo yakho ngezi asethi zemali. Enye yeenjongo zeli qhinga kukugcina ukonga ngaphezulu kwezinye izinto eziqwalaselwayo. Ukuze ngaphezulu kwako konke ukwimeko ezifanelekileyo zokukhusela umdla wakho njengomtyali mali ophakathi nophakathi. Ayothusi into yokuba yenye yeenjongo ekuzilungiseleleni ziinkampani zolawulo.
Ukusuka kule ndlela ngokubanzi, ukonga okwahlukeneyo kuya kukubonelela ngeendlela ezininzi kwizicwangciso oza kuzisebenzisa ukusukela ngoku. Kungenxa yokuba yindlela eya kukunceda ulale ngoxolo ngakumbi kunangaphambili. Awunakulibala ukuba ukusilela akusayi kubhengezwa ngokungathi ubonakaliswe ngokuthe ngqo kwii-equities. Into ebaluleke kakhulu kwelona xesha linzima kwiimarike zezemali. Kuba unokwenza nembuyekezo eyamkelekileyo ngokweemeko ezikhoyo kulungelelwaniso lwezoqoqosho olukhoyo ngoku.