Izimvo ezisibhozo zoqobo zokutyala imali

Ezinye izimvo zokuqala zokutyala imali Ukudityaniswa kwehlabathi kwezoqoqosho kukhokelele ekuvulekeni okukhulu kweemarike zezemali kubatyali mali abavela kwihlabathi liphela. Azisekho kuphela ekusebenzeni kwiimveliso zesizwe, okanye kuthintelwe kwimida yabo, kodwa endaweni yoko bandise iindlela zabo kwezinye iindawo zamanye amazwe. Akumangalisi ukuba babe nokuxhotyiswa ngezixhobo ezinamandla zokwenza ukonga kwabo kunenzuzo nakweyiphi na indawo, kunye neeasethi zemali, ngaphandle kwezithintelo.

Mhlawumbi into ongayaziyo kukuba le meko ikhokelela ekuphononongeni iindlela ezintsha zotyalo-mali, kude kube yiminyaka embalwa edlulileyo engenakucingwa, ebonakala ngabo imvelaphi, kwaye kwezinye iimeko ngenxa yendalo yayo entsha. Kodwa eyona nto ibalulekileyo yile zivulelekile kuye nawuphina ummi wehlabathi, ngaphandle kobuhlanga.

Eyona nto ifunekayo iya kuba yile ubutyebi, ngaphezulu okanye ngaphantsi phezulu, ukuphendula kwimisebenzi. Ewe kunjalo, unomdla wokwandisa iiasethi zakho ngezi zindululo zizodwa. Ewe, ukuba iimarike zezemali ziyanceda, ezingazukuhlala zilula ukwenzeka, njengoko ubona kwimisebenzi yakho.

Inikwe njengenye indlela yokwenyani, xa ulindelo lokukhula kwiimarike zesiko sele luphelile, okanye ubuncinci alonelisi. Kodwa ke lumka kakhulu malunga nokuzamkela, kuba ngokwenza isindululo esivela ngakumbi kwiifomathi zazo, kunokwenzeka ukwandisa umngcipheko wokusebenza njengesiphumo solwazi oluncinci osenokuba unalo ngazo. Iziphumo zinganefuthe elibi kutyalo-mali olwenziwe kwezi asethi zemali.

Ngayiphi na imeko, ilizwe liphela elinamathuba liya kukuvulela ukuba wenze ishishini elilungileyo. Isenokuba lixesha lokuphonononga ezinye iindlela ezahlukeneyo ezinikezelwa ziimarike zezemali ngoku. Ukutyala imali kuthetha ukubeka imali emsebenzini kwaye indawo ekuya kuyo inokuba kukuthenga ubucwebe, iimali ezibonakalayo, okanye nokuba ngumnini zabelo kwiqela lakho lebhola ekhatywayo. Ucelomngeni onalo phambi kwakho.

Ibhola idweliswe kwii-equities

Akwanelanga ukuba ngumlandeli wamaqela ebhola ekhatywayo, kodwa ithuba lokutyala imali kuwo, kunye nokwenza umsebenzi ube nenzuzo ngenxa yempumelelo yabo kwezemidlalo, kuye kwavulwa. Okwangoku uninzi lwelizwekazi elidala lidityanisiwe I-Stoxx yaseYurophu Ibhola. Isalathiso sesitokhwe esineempawu ezingama-22 zamaqela abalulekileyo aseYurophu: Roma, Borussia Dortmund, Benfica, Celtic, Tottenham kunye Olimpique Lyonnais zezinye zazo. U-2015 uvaliwe ngelahleko kufutshane ne-1%, nangona kule minyaka mithathu idlulileyo izabelo zayo zehlile, ngaphezulu kweepesenti ezi-3.

Ngale ndlela, akusekho mfuneko yokuba uye kubhukumeyikha ukuze uzuze ngokuphumelela, ukuphumelela kwesihloko okanye isiqinisekiso sakho kukhuphiswano olukhulu lwamanye amazwe. Ukusuka kwimarike yemasheya unokufumana inzuzo kwimpumelelo yabo. Kwaye oko kukhokelela nasekutyikityweni kwenkwenkwezi enkulu ebuliswa ngovavanyo olukhulu kwixabiso lalo. Ukudluliselwa okunokwenzeka kukaCristiano Ronaldo ukuya eManchester UnitedUmzekelo, ingabamba isitokhwe sakho kumanqanaba aphezulu.

Amantshontsho amadada amabi ezinyithi ezixabisekileyo

Ungatyala imali kwizinyithi ezixabisekileyo ngaphandle kwegolide Izinyithi ezingaziwa kangako (isilivere, iplatinam, ipalladium…) ziye zaba zezona zincinci zivelisiweyo kwimithombo yentengiso ezinikwa abatyali mali abanamava, abanqwenela ukukhangela iihorizons ezintsha zolondolozo lwabo. Ububanzi beenketho ezinikezelwe yile asethi yezemali yenye yeempawu zayo, ayiphelelanga kuphela kwigolide. Ukuthatha izikhundla ngokuthe ngqo kuzo kwiimarike apho zidweliswe khona. Kwakhona kwiinkampani eziyinxalenye yemveliso yayo kwaye ezikhoyo kwiimarike eziphambili zesitokhwe zehlabathi.

Nangona kunjalo, ngokweSilver Institute, ukwehla koqoqosho lwaseTshayina, kunye nokomelezwa kwedola, kukhokelele kwinto yokuba ngo-2015 Ixabiso lesilivere liye lehla. Nokuba awufuni ukuthatha umngcipheko ogqithileyo, eyona nto ilumkileyo kukubhalisela imali yotyalo-mali ebandakanya ezi asethi kwipotifoliyo yakho, uzidibanisa nezinye ezivela kumvuzo ohleliyo kunye nokwahlukileyo.

Ezinye iindlela azipheleli apha, nokuba zincinci okanye zincinci, kwaye zanele nge thenga i-bullion yezi zinto zinyithi Ukujonga ububanzi besibonelelo sakho. Zifikeleleka kakhulu kuzo zonke iiprofayili zabatyali mali, kuba imisebenzi yenziwa ngokusesikweni kwixabiso elincinci (ngaphantsi kwe-euro ezingama-1.000 XNUMX), ngokuxhomekeke kwiigrama zazo.

Tyala imali kwiwayini, into engaphaya kwefashoni

Iwayini ayisiyolo nje kukusela, kodwa ingumthombo wotyalo-maliIwayini ayisenguye kuphela oncedisayo kwisidlo sangokuhlwa esimnandi, okanye ngorhatya olunomdla kunye neqabane lakho. Isesinye isixhobo sokuhambisa ukonga kwakho ngendlela yoqobo. Utyalo-mali kwiinkampani ezidwelisiweyo ezinxulumene newayini yexabiso elisexesheni ayiseyongxaki. Kufezekiswa ngokuthenga izabelo zeyona wayini iphambili, nangona esona sisombululo sisebenzayo sine ikhontrakthi nayiphi na imali yotyalo-mali esekwe kwesi sicelo eyahlukileyo.

Ngomhla kaMatshi Vini Catena okanye kwi-Blue Chip Winey Fund zezinye zeemali eziphakanyisiweyo ngabaphathi ukuba bamkele lo mngeni ucebisayo. Zijolise ikakhulu kwi ukuhambisa iinkampani, ukuvelisa iiwayini, iinkampani zezolimo okanye ishishini lewayini elingumncedisi. Kodwa ukuba ungumtyali mali, unokuthenga iwayini ephathekayo, kwaye wenze i-winery yabucala ethobekileyo eyonyusa ubutyebi bakho kule minyaka idlulileyo. Iya kuba kuphela kwemfuno abayinyanzelayo kuwe.

Iimarike zangaphandle, kutheni?

Akukho mfihlo yokuba iimarike zezemali zivulwe phantse kuzo zonke iintengiso zestokhwe emhlabeni. Kukho ubomi obungaphaya koyena mmeli ubalaseleyo: ENew York, eLondon, eFrankfurt, eTokyo ... Amathuba oshishino asasazekile kwezona marike zezinto zingaziwayo, kwaye zingaphantsi kokungathelekelelwa kude kube yiminyaka embalwa edlulileyo: IVietnam, iBotswana, iNamibia okanye iSri Lanka zezinye zazo.

Ukufikelela kwakho kunokuba nzima ngakumbi, kwaye phantsi kweekhomishini eziphezulu. Nangona kunjalo, uya kuwuphepha lo mkhwa ukuba ekugqibeleni ukhethe imali yotyalo-mali egxila kwizikhundla zabo kwezi marike, nokuba uzidibanise nezinye iindawo ezinobulungisa.

Phantse zonke iibhanki zikuvumela ukuba wenze le misebenzi, ezinokubhaliswa phantse ngexesha lokwenyani, nakweyiphi na indawo ekuyiwa kuyo. Kwaye ngale ndlela yokufikelela kwezona ndawo zikude zeplanethi, apho uqoqosho lwentengiso yasimahla lufakwe ngendlela yalo yombutho. Ngenjongo ecace gca, thatha ithuba ngaphezulu kwayo yonke le nto inyukayo bayivelise ngexesha elithile.

Ukuthatha ithuba leemeko ezi-bearish

Ezona meko zinzima kwiimarike akufuneki zibe ngumqobo othintela ukufikelela kwethu. Abatyalomali baneentlobo ngeentlobo zeemveliso abanazo zokutyala imali phantsi kwaye uzuze ekuweni kwamaxabiso esitokhwe kunye nee-indices eziphambili, njengokubeka iiranti, imali yotyalo-mali okanye ii-ETFs, ikakhulu.

Nokuba iinkqubo zinobunkunkqele, ezisekela isibonelelo sabo ekubhaliseni izabelo ngokusebenza kwentengiso yemboleko. Bayakuvumela ukuba uvelise inzuzo ukusuka kumgangatho ophantsi wokhuseleko, wenza ukuthengisa kwezokhuseleko ezibolekwe. Nje ukuba umsebenzi wenziwe, ungarhoxisa imali, uthenge izihloko kwakhona. Kwimeko apho behla, iinzuzo ezinkulu ziya kuba nesisa kakhulu, ngokungathandabuzekiyo. Kodwa ukuba akunjalo, kuya kubangela ilahleko enkulu.

Ngqinelana nemigaqo yakho

Mhlawumbi uninzi lweseva alwazi, njengakwimeko yakho, kodwa ngegalelo lakho banokukunceda ukuxhasa ngemali iiprojekthi ezizinzileyo, nefuthe ngqo kuluntu nakwindalo esingqongileyo. Le ngcamango intsha kutyalo-mali iphuhliswa ngemveliso yezemali abangasetyenziswanga kakhulu ekusebenzeni. Imalunga ne- izatifikethi zedipozithi zezabelo, esetyenziswa ziinkampani ezininzi ukwenza iinkqubo zolu hlobo.

Awuzukutyala imali yakho kuphela kwinto okholelwa kuyo, kodwa kwangaxeshanye uya kuzuza imbuyekezo eqinisekisiweyo, ukubonelela ngozinzo kutyalo-mali. Ngaphandle kokugqithiswa kwemali ngokweqile, kuba isatifikethi ngasinye ungayibhalisa malunga nama-100 eeuros.

Iimveliso ezinoxanduva kwezentlalo

Ngaphakathi kolu luhlu, kunokwenzeka ukuba utyalomali kwiinkampani kwihlabathi liphela ezinoxanduva kwezentlalo, kwaye zibandakanyiwe kwizalathiso zozinzo, ezendalo kunye nezentlalo (CSR). Enye yeebenchmarks zayo yiDow Jones Sustainability World Index. Kwaye nakweyiphi na imeko, ababandakanyi utywala, ukungcakaza, icuba, izixhobo, kunye nokuzonwabisa kwabantu abadala njengendlela yotyalo mali. Imisebenzi inokwenziwa, ngokuthe ngqo ngokuthenga izabelo zezi nkampani kwiimarike zesitokhwe. Okanye ngokulula ngokutyala imali ngokusekwe kwezi ndlela zokuziphatha.

Ii-cryptocurrensets, utyalo-mali kwimali ebonakalayo

Olona luvo lwantlandlolo kukutyala imali kwiinyani ezibonakalayo Ngokuqinisekileyo, iBitcoin ayizukungakhathali nakubani na, incinci kubo bonke abantu bakho, nangona isenokungavakali njengeqhelekileyo kuwe njengeLitecoin, iRipple okanye iDogecoin. Zindlela zedijithali zotshintshiselwano zokwenza iintlawulo ezingaziwa nge-Intanethi Kwaye yeyiphi eyokuqala kuzo inyuke yaya kufikelela kwi-1.000, 2009% ukusukela oko yavela ngo-XNUMX. Ukwamkelwa kwayo kotyalo-mali kukuthembisa ngeemvakalelo ezinamandla kakhulu, kuba kwikota yokugqibela yonyaka wama-2015 ixabiso layo liphinde lahlaziya phantse i-100%, ukusuka kwi-260 ukuya kwi-455 yeedola. Inokuba yindlela yokuba ubunyuse ngokusisigxina ubutyebi bakho.

Iintlawulo zingenziwa kwezi mali, eziguqulwa ngokuzenzekelayo zibe ziiyunithi eziyinyani zemali, ezisetyenziselwa ukuthenga kuyo nayiphi na indawo eku-intanethi. Umahluko wabo ulele kwinto yokuba amaziko aqhelekileyo emali akanawo amandla okurhweba ngotyalo-mali kwezi mali zibonakalayo, kodwa endaweni yoko ukwenzela ukuba umsebenzi usebenze, isithembiso esenziwe ngamaqonga ezemali kwi-intanethi kuya kufuneka siye ukuya.

 

 

 

 


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