Kutheni ihlobo ilixesha elibi lokutyala imali kwimarike yemasheya?

Zininzi idatha ezibonisa ukuba ihlobo ayisiyiyo imeko ifanelekileyo yokuphuhlisa utyalo-mali lwakho kwii-equities. Ngokwembali ayililo elona xesha lilungileyo lonyaka ukonyusa imisebenzi yakho. Zininzi izizathu ezikhokelela kwesi sigqibo. Ukuya kwinqanaba lokuba olona luvo lusebenzayo lokukhusela umdla wakho kukugcina imeko yeakhawunti yakho yokutshekisha ulinde ukubuya kweeholide isigqibo ichaneke ngakumbi kulo naluphi na uhlobo lwesicwangciso-mali.

Iinyanga zasehlotyeni, ukusukela ngoJuni ukuya kuSeptemba, zezona zingafanelekanga kwizikhundla zokuvula kwiimarike zezemali. Ukuba awukenzi okwangoku, kungcono linda iinyanga ezimbalwa ngaphezulu ukubuyela kumashishini. Kungenxa yokuba, ayikukubuyekezi ngokuthatha izikhundla ngeli xesha lonyaka lizolileyo. Ubuncinci xa kuziwa kutyalo-mali kwimarike yemasheya. Kuya kubakho iimpikiswano ezininzi eziza kukunika izizathu zokulandela le ndlela kubudlelwane bakho nehlabathi elihlala linzima lemali.

Izifundo ezahlukeneyo ezenziwa ziifemu ezibalulekileyo zezemali zicebisa ukuba kwezi nyanga iimarike zezemali zithambekele ekuhleni kunokuba ziye phezulu. Nangona malunga nokuba yintoni isikhwama, yonke into ingenzeka. Kungenxa yokuba nasiphi na isiganeko esingalindelekanga okanye isiganeko sinokonakalisa ulindelo olwenziwe kwasekuqaleni. Ngayiphi na imeko, awuzukukhetha ngaphandle kokuqonda ukuba zenziwa njani iimarike zezabelo.

Ihlobo: thethwano oluncinci

Olunye lweempawu ezichaza ngcono eli xesha kudala lilindelwe lonyaka kukuba inzala esezantsi kwicala labatyali mali. Kungenxa yokuba, uthethathethwano lwezihloko luyancipha ngokukodwa kwezi nyanga. Ukuya kwinqanaba lokuba iintshukumo zabo azibalulekanga kangako. Zombini malunga nabathengi kunye nabathengisi. Zimbalwa kakhulu izihloko ezitshintshiweyo phakathi kwabo. Kumaqondo aphantsi enyakeni wonke. Ayothusi into yokuba icandelo elilungileyo labo basebenzise eli xesha ukuzinika ukuphumla okulilungeleyo kutyalo-mali lwabo. Ubuncinci kwiinyanga eziphambili zehlobo, ezinje ngoJulayi nangoSeptemba.

Ngenxa yoku, kubaluleke kakhulu ukuba imeko yexesha elizayo ibekho kuqoqosho lwezezimali. Ngamahla ndinyuka obunzima obuninzi Kwaye ngaphandle kokubandakanya utyekelo olucacileyo lokuba uthathe isigqibo ngandlela thile. Kuya kufuneka ukrokre ngakumbi ngokubhekisele kwiintshukumo ezenziweyo kwizabelo. Ayisebenzi kangako ukuba ikunike isikhokelo sokuthenga kunye nokuthengisa izabelo kwiimarike ezahlukeneyo zamanye amazwe. Ayisiyomzuzu ofanelekileyo, hayi kuphela ukuthengisa izikhundla zakho kwimarike yemasheya. Ukuba akunjalo ukushiya iimarike zezemali. Amaxesha angcono azakufika ekusebenziseni le miyalelo.

Uphuhliso lweentshukumo ezingaqhelekanga

Kuya kufuneka uqonde ukuba kwezi nyanga zehlobo kukho iintshukumo ezingaqhelekanga ngokwenene. Kuba, eneneni, ixabiso lezabelo linakho yiya phezulu okanye ezantsi ngezihloko ezimbalwa kakhulu. Kwimeko apho ukhuseleko olunemali encinci kwiimarike zemali, oko kungakhokelela kuqingqo-maxabiso lwabo olwenziwayo. Ngomngcipheko omkhulu onokuthi ungenise kuwo ukuba uthatha isigqibo sokuba nezikhundla ezivulekileyo. Ayothusi into yokuba unokuninzi okuphulukene nokungaphumeleli kwiimeko ezininzi. Ude uzirhuqe kwizikhundla ezimbi. Ungalibali ukusukela ngoku.

Enye yeemeko eziqhelekileyo ezinokuphuhla ngeli xesha lonyaka kukuba ukonqena kwizicaphuno zabo kukhokelela kwisithukuthezi esithile. Kungenxa yokuba iyakuthintela ekuphumezeni nasiphi na isicwangciso sotyalo-mali. Ukuya kwinqanaba lokuba unokuphelelwa lithemba ngaxa lithile okanye elinye. Akumangalisi ukuba kufuneka ucinge ukuba yinto eqhelekileyo enokwenzeka nakwezokhuseleko ezininzi ezidweliswe kwii-indices zesizwe zokulingana. Ngesi sizathu, ihlobo alilixesha elilungileyo lonyaka lokukhusela umdla wakho. Ukuba akunjalo, ngokuchaseneyo, njengoko ubona kwiigrafu zembali zexabiso.

Phumla kubatyali mali

Esinye isizathu esibangela le meko ikhethekileyo kukuba Abalamli bezezimali bathatha ikhefu elifutshane, elifutshane. Mhlawumbi ukungena kwiimarike zezemali ngakumbi kwezi nyanga zilandelayo. Ukusuka kule ndawo yokujonga awuyi kuba nakho ukuthembela nakancinci malunga nentshukumo eyenziweyo kwimarike yemasheya. Kuzo naziphi na izalathiso, kokubini kuzwelonke nangaphandle kwemida yethu. Ngamafutshane, kunzima kakhulu ukusebenza kule nxalenye yonyaka.

Ewe, kwiinyanga zasehlotyeni ezisembindini kukho isitampu sabatyalomali abancinci nabaphakathi. Ukuya kwinqanaba lokuba kuya kubonakala kwixabiso lezabelo okanye ubuncinci kwinxalenye elungileyo yazo. Nangona le nto ayithethi ukuba awukwazi ukwenza imali oyongayo. Kodwa ngokuchaseneyo, into ekufuneka uyenzile kukuninzi Ukukhetha ngakumbi ekubumbeni ipotifoliyo yakho yotyalo-mali. Ayinguye nawuphina umntu, kodwa abo banokubonisa amandla amakhulu kukwanda kwamaxabiso abo. Le yinto ekufuneka uyigcinile engqondweni yokuphuhlisa naluphi na uhlobo lwezicwangciso zokunyusa iintshukumo zakho.

Ixabiso eliphezulu lokuguquguquka

Omnye umahluko okhoyo phakathi kwehlobo malunga nezinye iinyanga zonyaka. Akukho enye ngaphandle kumahluko omkhulu kumaxabiso okugqibela ezabelo. Apho ukungazinzi kunyuka ngokubonakalayo kwezi nyanga. Ngumahluko omkhulu phakathi kwamaxabiso aphezulu kunye neyona isezantsi kwaye unokufikelela igqithe amanqanaba ayi-3%. Ilunge kakhulu ekuphuhliseni imisebenzi kwiseshoni enye yorhwebo. Eyona idumileyo njenge-intraday. Ukuba yenye yemisebenzi ekhoyo kwezi nyanga zikhethekileyo zonyaka.

Nangona ukungazinzi kuphezulu kule ndawo yonyaka, oku akuthethi ukuba ukwehla okanye ukuxabisa amaxabiso zichaphazeleka ngakumbi kunenye indawo enyakeni. Kungenxa yokuba, ibhalansi yokugqibela ngeli xesha leholide ihlala iqine. Umahluko ezimbalwa ekubuyeni eholideyini. Ngabatyali mali abanamava kuphela abanokwenza inzuzo kwimisebenzi yabo. Hayi ngaphandle komzamo omkhulu kunye nentwana yethamsanqa yokuba kwenzeke njengoko benqwenela kwasekuqaleni.

Amaxabiso angcono kunamanye

Ngayiphi na imeko, kuya kuhlala kukho amaxabiso esitokhwe ethe kratya ukuba ibe yinto yokuthenga kunye nemisebenzi yokuthengisa. Ewe, kwesi sicwangciso sikhethekileyo, kukho amanye amathuba okwenza ishishini ngokugcina kwakho. Imalunga ne- amaxabiso ashukumisayo ngakumbi, ezisebenza ngakumbi ukufumana imbuyekezo engaqhelekanga kwezi ntsuku. La ngamaxabiso avela kwicandelo lobuchwephesha elitsha elilelona lifanelekileyo lokwenza olu hlobo lomsebenzi. Ngokukodwa, abo bangamalungu eentengiso zesekethe yesibini.

Kwakhona ezinye iinkampani zokwakha ziluncedo ekuphuhliseni ezi ntshukumo. Kangangoko unako bonisa ubhetyebhetye ngakumbi ukuqhuba enye okanye enye imeko ngamandla amakhulu. Njengakwindlela, bakhule kweminye iminyaka embalwa edlulileyo. Ukusuka kule meko, uya kuba kwimeko engcono yokuphucula intsebenzo yolondolozo lwakho ukusukela ngoku kwaye ngokuchanekileyo kweli hlobo lizayo. Nangona izindululo ziya kuncitshiswa kakhulu ngokunxulumene nesithembiso sakho.

Yintoni ongayenza kweli hlobo?

Emva kokuchaza indlela ihlobo elinokuyichaphazela ngayo imali yakho, umzuzu ophambili ufika kwaye yile nto kufuneka uyenze kwezi meko zikhethekileyo. Eyona nto icetyiswa kakhulu kukuba ulinde ukubuya kweeholide ukumisela ukusebenza kwakho. Unokude uthabathe inxaxheba kwezi ntsuku zokuphumla kufanelekileyo Hlalutya imeko yokwenyani yeemarike zezemali kwaye ngaphezulu kwawo onke amaxabiso. Ukuze izigqibo zakho zibe nolwazi ngakumbi. Ngamathuba amakhulu okuphumelela ngenxa yesi sicwangciso onokuthi usebenze.

Ngapha koko, kukwalithuba lokuba uphumle ngokuhamba usiya kwiimarike zezabelo. Akunyanzelekanga ukuba uhlale utyalomali kwimarike yemasheya, kude nayo. Kungenxa yokuba ikhefu elincinci liza kuluncedo ekuvuseleleni iibhetri zakho kwaye libuye ngamandla amakhulu kwilizwe elihlala linzima kwimarike yemasheya. Uya kuba namathuba amaninzi okwenza iiasethi zakho zobuqu zibe nenzuzo. Nokuba ngeendlela ezahlukeneyo kuxhomekeke kwiprofayili oyivezayo njengomtyali mali omncinci nophakathi.

Enye yazo iqhubeka ngokuthatha izikhundla kwizabelo ukusukela kwinyanga ka-Okthobha. Ixesha apho abatyali mali abakhulu okanye izandla ezomeleleyo ziya kubuyela kwiipaki zesizwe. Apho kunokwenzeka ukuba indlela eya phezulu esele ishiywe kwezi veki zidlulileyo iza kuqala kwakhona. Ngokunyuka kwevolumu yokuthengisa kurhwebo lwamanye amazwe oluya kunceda iintshukumo zakho.

Akumangalisi ukuba iikota eziphakathi- yesibini neyesithathu- zezona zithandekayo kwisivumelwano esikhulu sezihloko. Njengoko kwenzekile kule minyaka idlulileyo, njengoko ubona kumaxabiso embali abonakaliswe kwiitshathi. Ngayiphi na imeko, ihlobo liyakunceda ukuba ube nobulumko ngakumbi kwimisebenzi yakho.