Izabelo eUnited States ziqhuba kakuhle kulo nyaka, neziza kuphela. Kodwa eyona nto inomdla kukuba le downtrend iphantsi phantse iminyaka elishumi. Ukuzivocavoca umzimba emva kokuzilolonga kuyakhathaza amanqanaba amatsha embali kwaye bayothusa abatyali mali abancinci nabaphakathi. Apho babenakho ukwenza ingeniso enenzuzo njengoko bengazange benze njalo okokoko.
Umtyalomali otyale imali iyonke ye-10.000 euros kwiminyaka eyadlulayo uya kuyibona indlela anayo ngayo iphindwe kabini okanye iphindwe kathathu imali oyityalayo. Into engathethekiyo kwiimarike ze-equity kule minyaka idlulileyo. Ukuza kuthi ga ngoku ukuba kusengqiqweni ukucinga ukusukela ngoku ukuya phambili nangawo nawuphi na umzuzu imeko yentengiso inokutshintsha kwixesha elifutshane, eliphakathi nelide. Umbuzo ngowokuba ingaba le meko iya kukhula ukusuka kunyaka olandelayo.
Nangona enye yemiba ekufuneka ithathelwe ingqalelo ukusukela ngoku kukuba ngumgaqo-nkqubo wezoqoqosho we umongameli ixilongo ayiyi kuyivumela. Kwaye sele siyazi ukuba enye yeenjongo eziphambili zomongameli waseMelika kukutyhala iimarike zokulingana ngaphezulu kolunye uthotho lokuqwalaselwa. Akumangalisi ukuba ngexesha lobongameli bakhe imarike yemasheya iye yaqhuba kakuhle kuyo yonke imbali yayo. Kwaye awufuni kungcoliswa ngokufumana ixesha lesibini lokuba kwiNdlu yeWhite House eminye iminyaka emine.
I-United States: Intengiso yeStock ngamandla
Ukuba izabelo zamashishini ezingenanzala imisiweyo e-US bezikhethele into ethile kule minyaka mithathu, kungenxa yamandla abo amakhulu abawabonisileyo. Okungakumbi kwimeko yeemarike zokulingana zelizwekazi elidala. Ngokwahlukahlukana konyaka ukuxhasa eyokuqala yeemarike zezemali ze-6%, eyipesenti emele amawaka amaninzi ee-euro kwimarike yemasheya. Ngamacandelo axabise unyaka nonyaka ngaphezulu kwe-50%. Le yinto engenzekanga kwizabelo zamazwe aseYurophu,
Ngelixa kwelinye icala, kubalulekile ukugxininisa ukuba izilungiso kwimarike yemasheya ebinazo e-US bezingabalulekanga kwaye ngaphezulu kwako konke okuchaziweyo. Ukuqala kwakhona kwi-uptrend kwakhona kwaye ufikelele kumaxesha aphakamileyo aphezulu. Ngoxinzelelo lokuthenga olomeleleyo ngokuchasene nomthengisi kwaye ngevolumu yokugaya ephezulu kakhulu njengophawu lomdla kwinxalenye yazo zonke iiprofayili zabatyali mali. Ukuba yenye yezona zinto zixhaphakileyo kwenye yezona ntengiso zinamandla emhlabeni.
Ama-50% ombulelo wonyaka
Ukunyuka okuphezulu kwamashishini aseMelika kugcinile izibonelelo ezingafezekiswanga kwezinye iimarike ezinkulu zamanye amazwe. Ngale ndlela, ibonakalise imeko yesiqhelo ngakumbi kwaye ibisonyuka unyaka nonyaka ukufikelela kwezi zikhundla kulo nyaka. Ukongeza, uqikelelo lubhekisa kwinto enokwenziwa zii-indices zaseYurophu ngo-2020. Apho kungenakuphikiswa ukuba iya kuphinda iphumelele iindawo eziphezulu zembali. Kukho konke ukunyuka okuphucukileyo kule minyaka ilishumi idlulileyo.
Ngelixa kwelinye icala, i US Dow Jones khange ibonakalise iimpawu ezininzi zobuthathaka kulungiso olwenziwe kwiinyanga ezidlulileyo. Njengophawu olugqwesileyo lokuba imeko ephezulu kule marike ye-equity ayinakupheliswa kwaye inzala engathandabuzekiyo phakathi kwabatyali mali abancinci nabaphakathi inokubuya. Ukuphelisa ngale ndlela iinzuzo eziye zanda unyaka nonyaka. Phantse kabini utyalomali lokuqala olwaqalwa kwiminyaka eliqela eyadlulayo.
Ukulungiswa kwangaphambili
Nokuba yeyiphi na indlela, akusayi kubakho khetho ngaphandle kokufumana amanyathelo amaninzi okuthintela ekusebenzeni kuba izilungiso zinokuba namandla kakhulu ukusukela ngoku. Apho ngaphezulu komtyali mali omnye anokuthi abambeke kwizikhundla zabo kwaye ke ashiye ii-euro ezininzi zotshintsho ngenxa yokuthandabuza okuvela kwizabelo zaseMelika. Kwaye inokuthintela umrhumo wabatyali mali abancinci nabaphakathi kwizikhundla zabo. Ngokunokwenzeka ekuhlaziyweni kwayo kusezantsi kunakwenye iminyaka.
Kwelinye icala, kufanele ukuba kuqatshelwe ukuba ii-equities zase-US zifikelele kwiithagethi zazo kwaye yonke into evela ngoku inokuqwalaselwa njengomvuzo owongezelelweyo. Njengoko kuyinto eqhelekileyo ukuba unyaka ozayo ungathandeki ku-Dow Jones kunye nezinye ii-indices zokubaluleka okukhethekileyo e-United States. Ukuba akunjalo, ngokuchaseneyo, ungasele unike izaziso zokuqala malunga Utshintsho lwendlela, ubuncinci ngendlela eqikelelweyo. Ukuze ngale ndlela, sikulungele ukuphuhlisa isicwangciso esiliqili sotyalo-mali esiphumelele ngakumbi ekwenzeni ulondolozo lube nenzuzo.
Tshintsha ipotifoliyo yotyalo mali
Ngayiphi na imeko, kufanelekile ukunciphisa izikhundla kancinci kancinci ukunqanda iingxaki kule marike yezabelo. Ukuze ndi kujoliswe kwiimarike zaseYurophu okanye ezihlumayo ukuba inento elungileyo kwezobuchwephesha ngalo mzuzu kwaye evumela izikhundla zokuvula ngesiqinisekiso esikhulu sempumelelo. Ngayiphi na imeko, iya kuba sisizathu esifanelekileyo sokutshintsha ipotifoliyo yethu kule minyaka imbalwa izayo. Ngokuthintela kwinto enokwenzeka ukusukela ngoku ukuya phambili.
Ngethemba lokuba, ukuba kukho imfuneko, iziphumo kwiakhawunti yethu yokonga ziya kuphuculwa, ekupheleni kosuku okubandakanyekileyo kolu hlobo lomsebenzi. Kodwa kuthathelwa ingqalelo ukuba ii-equity sele zikhulile kakhulu kule minyaka idlulileyo kwaye akubonakali ukuba izakuqhubeka ngoluhlobo iminyaka emininzi. Kungenxa yokuba ungalibali ukuba akukho nto inyukayo ngonaphakade kwaye incinci kwihlabathi elihlala linzima kwimarike yemasheya. Ngaphandle kwento yokuba iDow Jones isondele kakhulu kumaxesha ayo aphezulu, ngayo yonke loo nto ithetha ukuba iimfuno zabatyali zimali.