Olunye lawona mathandabuzo aqhelekileyo, kwaye nangakumbi ngalo mzuzu, phakathi kwabatyali zimali kukuba bakhethe i ngeniso ekhoyo evela eUnited States okanye kwilizwekazi elidala. Ayothusi into yokuba yenye yeendlela abanazo ngalo mzuzu kanye ngena kwiimarike zemali. Ukuza kuthi ga kwinqanaba lokuba ukungaqiniseki okuthile kunakholelwa kubo. Akumangalisi ukuba zimbini ezona ntengiso zibalulekileyo emhlabeni. Ngaphaya kolunye uthotho lwezindululo zokungqina okanye ezingaphantsi.
Olunye lweempawu zezi marike ngumahluko obonakalayo kwindaleko yee-indices ezimbini zestokhwe. Kuba enyanisweni, kwimizuzu embalwa inokuba yenye yazo kwaye nakwezinye iimeko ezinye. Ngapha koko, unento enye oqiniseke ngayo kwaye yiyo yonke loo nto ziya kuhlala ziveliswa mathuba o shishino apho unokwenza khona ukuba igalelo lakho lemali libe yinzuzo. Uya kudinga kuphela isigqibo sokumisela ukusebenza ngokusesikweni kwaye ngokuqinisekileyo ukhethe amaxabiso afanelekileyo okuthenga izabelo zabo.
Kuzo zombini iimarike zezemali unokhetho olubanzi lokuqinisekisa ukwanelisa ibango lakho ngokusebenza kakuhle okukhulu. Ngeempawu zengxowa nganye ekhethiweyo. Ngesi sihlandlo uya kuba nethuba elihle lokwazi ngokwakho into i amandla ezorhwebo zombini. Nangona ikwizithunzi ezibonisa zona. Ukuze ekugqibeleni ibe nguwe owenza isigqibo malunga nento ekufuneka uyenzile ukusukela ngoku.
Izabelo: yeyiphi eyona ilungileyo?
Ukuze wenze esi sigqibo ngesiqinisekiso esikhulu sempumelelo, kwaye kutheni kungenjalo, ngokhuseleko oluthe kratya, awuzukukhetha kodwa ukuya kwimeko eyiyo. Ngale ndlela, uncedo lwee-equities zase-US lubanzi kuba ibinyuka phantse ngokuqhubekekayo ukusukela ngo-2008 uphononongo kufutshane ne-100% kwezinye iimeko. Ngokuchasene nemarike yemasheya ebonisa imeko engacaciswanga kweli xesha lokuphuhlisa isicwangciso esiliqili sotyalo mali.
Ukusuka kule ndawo yokujonga, ukukhula okunokubakho kunokuba kwicala lotshintshiselwano ngezabelo lwaseYurophu. Ayothusi into yokuba banikeze Ukulibaziseka okukhulu kwikoteyishini yamaxabiso abo. Ngokungathabathi imeko entsha yezoqoqosho lwamanye amazwe. Kodwa ukuba ngalo naliphi na ixesha unokulungisa oku kunqongophala kobuchwephesha kwaye oko kunokuba sisiginali esichazayo sokuba uvule izikhundla kwezinye zexabiso ezibonisa umba wobugcisa obungcono. Ungalibali ukuba kunokuba lixesha lokuya kwii-equities zaseYurophu.
Iindlela ezingathandekiyo, kodwa zahlukile
Enye into ekufuneka uyithathele ingqalelo kukuba ukuwa kwemarike yaseMelika inokuba ikufutshane nekona. Njengomphumo wovavanyo oluqhubekayo lwee-indices zayo eziphambili zeentengiso. Ukusuka kule ndawo, ayothusi le nto mkhuba jika ingaqalwa nangaliphi na ixesha. Ayothusi into yokuba abahlalutyi bezemali bakhetha oku kunokwenzeka kwiimarike zemali.
Kufuneka ujonge ukuba i-Ibex 35 ikwii-okwangoku Amanqanaba angama-10.000. Oko kukuthi, kude namaxesha onke aphezulu abonisa iinyanga ezimbalwa ngaphambi kokudodobala koqoqosho olukhulu lwehlabathi. Ukusuka kule meko, inohambo olukhulu lokuya phambili kunezinye ii-indices, nakwilizwekazi lakudala. Ingxaki yokwenyani kukufumana amanqanaba okungena. Nangona kuhlala kukho umqondiso onokukhetha kuwo ngokwenyani onokuthi uvule ukuze ukwazi ukukhusela umdla wakho wemali.
Utshintsho kumaxabiso angaguqukiyo
Ukuba kukho into eyahlula ubulungisa eMntla Melika kweYurophu, kungenxa yemeko yenqanaba lenzala. Kungenxa yokuba, enyanisweni, kuqoqosho lokuqala kukho isigaba esinyukayo esifanayo, eYurophu Ixabiso lemali lisezantsi. Oko kukuthi, kwi-0% emva kwezigqibo zeBhanki ePhambili yaseYurophu (i-ECB). Nangona uninzi lwabahlalutyi bezemali benoluvo lokuba baya kunyuka kwikota yokugqibela yonyaka. Into enokuthi icinezele kwiimarike zamasheya zalo mmandla wezoqoqosho.
Ngokwahlukileyo, umgaqo-nkqubo wezemali wase-United States akasenalo ithuba. Ngenkqubo eneenkcukacha ngakumbi yiFED. Kujolise ekubekeni umda kwi inzala ejikeleze iipesenti ezi-2. Ngexesha elicwangcisiweyo eliphakathi kweenyanga ezintandathu ukuya kwezisithoba. Isicelo sabo esinokubandakanya ingqokelela yeenzuzo kumaxabiso eenkampani ezidwelisiweyo, kunye nokuhla ngokubanzi kweempawu zezabelo zabo. Ngomnye wobungozi abatyali mali abagqiba ekubeni bangene ngeli xesha kuya kufuneka bacinge ngalo. Ngesi sizathu ayisiyiyo enye yezindululo eziphakathi kunye nezexesha elide. Kodwa ngokuchaseneyo, ekusebenzeni kwexesha elingelide kakhulu.
Ukongeza, amanqanaba ukukhula kwezoqoqosho kwezi ndawo zombini. Kwaye ukuxhomekeka kwexesha elizayo kweengxowa zabo kuya kuxhomekeka kubo. Ukuthatha enye okanye enye imeko, ngokusekwe kwezi paramitha zibalulekileyo eziya kuthi zimisele isigqibo sokungena okanye hayi kwiimarike zezemali. Kuya kufuneka sazi ukuba ezi ziphumo zihamba njani kuba ziya kunika ulwazi olungaphezulu kwesinye malunga nobume boqoqosho lwazo. Iya kuba, ke ngoko, yenye yezinto ozakwaziswa ngayo malunga nokwenza izigqibo zakho ezinxulumene nelizwe lemali.
Uninzi lwamacandelo afanelekileyo ukuba angene
Ngayiphi na imeko, kuhlala kukho amacandelo, kwelinye icala nakwelinye iAtlantic, ukuthatha izikhundla nokwenza ukonga okunenzuzo ngezibonelelo ezinkulu. Ngokukodwa i Icandelo lezokhuseleko yenye yezona zinto zithandwa yimigaqo-nkqubo kaMongameli wase-United States, uDonald Trump. Ngale ndlela, ukuthenga amathuba kugxile kwiinkampani kwelinye icala leAtlantic ebonakalise ukomelela kumaxabiso abo. Ngaphezulu kweenkampani zelizwekazi elidala ezimodareyithe iingeniso zazo ngeli xesha.
Icandelo lebhanki, kwelinye icala, yenye yeasethi eYurophu. Imele ithuba lokuthenga, kodwa ngaphandle kweengozi ezingathandabuzekiyo. Ke ngoko, le misebenzi kufuneka ixhaswe ngokulumkisa kwiintshukumo kuba ilahleko zinokuveliswa nangaliphi na ixesha ngenxa yemeko yamaqela athile ezemali. Ingakumbi iSpanish, notshintsho olubonakalayo kwifayile ye- Iipanorama zebhanki zesizwe emva kweendaba zamva nje ezivela kuDumo naseBankia. Nangona kunjalo, iya kuba licandelo eliya kuthi liqwalasele kwiinyanga ezizayo.
Icandelo lesithathu eliza kuthi lihoye kakhulu lelo lonxibelelwano. Ayothusi into yokuba kungabakho ukujikwa kweenkampani, ngakumbi kwindawo ye-euro. Ukusuka apho abatyali mali abancinci nabaphakathi banokuzuza khona ukuba bavule izikhundla zabo kwangaphambi kwexesha. Ewe abayi kusilela kule mihla ngamathuba amatsha eshishini apho unokwenza khona imali enenzuzo yokuphela kwalo nyaka.
Kutheni ukhetha iimarike?
Elona xesha lokugqibela lifika xa kufuneka ukhethe enye yezi ntengiso zimbini. Ukuze isigqibo sakho sibe yimpumelelo kakhulu awuyi kuba nesinye isisombululo ngaphandle kokuya kuthotho lweengcebiso eziza kuba luncedo kakhulu kwizicwangciso zakho zotyalo-mali. Ukuba wenza ngoqeqesho kunye nolwazi olwaneleyo, ungathandabuzi ukuba uya kufezekisa iinjongo zakho kwangoko. Ngokusekwe kule migca ilandelayo yesenzo ekufuneka ungenise kuyo ukusukela ngoku.
- Luvo olusebenzayo kakhulu onokulufumana yahlula-hlula utyalomali Kuzo zombini iimarike zezemali. Kwinqanaba eliya kuxhomekeka kwiprofayili oyivezayo njengomtyalomali omncinci nophakathi.
- Akuyi kubakho khetho ngaphandle yiya mkhuba Kwaye ngale ndlela, kuya kufuneka ujonge kwimarike yezemali ebonisa eyona nto iphambili kubo bonke. Esi sigqibo sinokuxhomekeka kumzuzu wokudibana koqoqosho lwamanye amazwe.
- Ngokwethiyori yi Imarike yaseYurophu Inendlela ephezulu ephezulu ngokwexesha eliphakathi nelide lokuhlala ngokusisigxina. Ngale ndlela, inokuba sisicwangciso onokuwusebenzisa ukusukela ngoku.
- Ukuba awufuni ukubeka emngciphekweni ulondolozo lwakho, unokukhetha i- mali mali ngokusekwe kwezi marike zokulingana. Iikhomishini ziya kuba zincinci kakhulu kwaye uya kuba nakho ukukhusela ngcono izikhundla zakho.
- Ukuba ufuna ntoni ziqulathe iindleko Olu hlobo lotyalo-mali, ungathandabuzi ukuba ii-equity zaseYurophu ziyafikeleleka ngakumbi kuzo zonke iipokotho zabatyali mali abancinci nabaphakathi. Ukuze ngale ndlela wenze imisebenzi yakho kwintengiso yesitokhwe ibe yinzuzo ngakumbi.
- Awunakulibala ukuba ikho enye unxibelelwano phakathi kweemarike ezimbini zemali. Musa ukucinga ukuba ukungafani kwabo kuya kubaxekileyo, kuba kunjalo. Ke unokukhetha enye yezi zimbini.
- Kwaye okokugqibela, ungalibali ukuba ii-equities zase-US bezikhula ngokuzinzileyo kuninzi, kodwa iminyaka emininzi. Ayothusi loo nto izilungiso zijikeleze ikona. Njengoko bekuxelwe kwangaphambili ngumhlalutyi wezemali ongaphezulu kwesinye. Iya kuba ngumngcipheko oya kuthi uthathe ukuba ukhetha esi sicwangciso kutyalo-mali.