Ngobuso bento enokwenzeka ngo-2018, abahlalutyi abaninzi bezezimali bakholelwa ukuba lo msebenzi uzakubangela uphawu olubi kwii-indices eziphambili Utshintshiselwano lwesitokhwe lwehlabathi. Le meko ayinakuba yinto engaqhelekanga kakhulu phambi komthambo wokuzilolonga kwi ngeniso bebekhona kwiimarike zezemali. Ngokwenyani ukusukela oko ingxaki yezoqoqosho iphelile kwaye oko kubangele ukuba ibe yinxalenye elungileyo yabatyali mali yokunyusa iiasethi zabo. Nangona kunjalo, le meko ayinakuphindwa kulo nyaka. Kwaye ke kuya kufuneka ukuba ulumkiswe kwangaphambili ukulungisa le ngxaki. Ukuze ngale ndlela, iinzuzo ezinkulu zinokufakwa kwisitetimenti sengeniso ekupheleni konyaka.
Kuyinyani engenakuphikwa ukuba iimveliso zezemali bezilungelelanisa neemeko ezintsha yeemarike zezemali. Kwaye ngale ndlela, imarike yesitokhwe esiwayo ayinakuba ngaphandle. Ngokuchasene noko, uthotho lweefomathi zotyalo-mali zenziwe kwezi zokugqibela ezivumela abasebenzisi ukuba bazenzele ukonga imali yabo nakwezona meko zinzima. Oko kukuthi, nge-downtrend kwi-equities. Apho unokufumana khona inzuzo enkulu kunokuba ungacinga kwasekuqaleni.
Ezi ziimveliso ezinobunkunkqele kodwa ziyafumaneka kubo bonke abatyali mali abancinci nabaphakathi. Bazimisele vula ukuthenga nokuthengisa imisebenzi Izabelo kwimarike yemasheya. Kodwa ayisiyiyo ngokukodwa kuba ikwavulelwe nakwezinye ii-asethi zemali ezifanelekileyo ngokukodwa. Ukusuka kwezona zintsimbi zixabisekileyo kakhulu ukuya kwezinye zezona zinto zibalulekileyo kwimarike. Njengoko ubona ngezantsi, awuyi kuba nengxaki yokusebenza kweziganeko zokuqala ezichaseneyo neminqweno yakho. Ngaba uyafuna ukwazi ezinye zeemveliso ezizodwa?
Iimveliso zezemali: ukuthengisa ngetyala
Enye yeemodeli ezibonisa kakuhle le meko kukuthengisa ngetyala. Oomatshini bayo basekwe kwinto yokuba intlawulo yokusebenza yenziwa kwixesha elide ukuba imveliso yenziwe ngokusemthethweni. Ukuyiqesha, kufuneka kuphela ukumisela ukuba Ixabiso liza kuhla Kwiiveki ezizayo. Kwaye ubheje kanzima kule meko. Ukuba le meko ifezekisiwe, akukho mathandabuzo okuba uya kufumana imali eninzi. Ngaphezulu kwezinye iimveliso zemali. Kodwa ukuba akunjalo, umngcipheko uphezulu kakhulu kuba uya kuba namathuba amaninzi okushiya ii-euro ezininzi endleleni.
Ukuthengiswa kwetyala, kwelinye icala, ngu ifomathi ephucukileyo ngakumbi Oko kufuna ulwazi olunzulu ngale mveliso yezemali. Apho umngcipheko uhlala ukhona kwimisebenzi yakho. Nokuba yeyiphi na, yindlela yotyalo-mali eya ithandwa phakathi kwabatyali mali abanamava. Ngenxa yazo, awuyi kuba nalo naluphi na uhlobo lweengxaki zokuziqesha nakweliphi na iziko lemali. Ukuza kuthi ga kwinqanaba lokuba uninzi lwazo lubonelela ngezibonelelo kunye nokunyuselwa ukuze ugcine imali kuyo yonke imisebenzi evulekileyo.
Olunye ukhetho: imali yokurhweba ngokutshintshiselana
Olunye uhlobo olusebenzayo okwangoku olwenziwe ngezixhobo ze-ETFs okanye iimali ezithengiswayo. Umxube phakathi kweemali kunye kunye nokuthenga nokuthengisa izabelo kwi-stock market. Uncedo kulo mzekelo kukuba ayikhawulelwanga kuphela kwingxowa. Kodwa unokufumana inzuzo ekusebenzeni ukuya kwicala eliphantsi kwezinye ii-asethi eziyimali. Njengomzekelo kwingeniso emiselweyo, izinto ezingavunyelwanga okanye isinyithi esinexabiso, phakathi kwezinye zeasethi ezifanelekileyo. Ukongeza, jonga iikhomishini ezingafunekiyo kwaye ziya kukunceda ufezekise iinjongo zakho.
Ukutshintshiselana ngemali kuthengiswa yimveliso efanelekileyo ngokukodwa kwimimiselo ephakathi. Ngemfuneko esisinyanzelo yokuba ne-inshurensi kakhulu Ukuhla kwexabiso leeasethi eziyimali kukhethwe. Kodwa ke lumka kakhulu, kuba naziphi na iimpazamo kubalo zinokuwenza nzima umsebenzi ukuya kumanqanaba anokukufaka engxakini enkulu yezemali. Ngesi sizathu, awuzukukhetha ngaphandle kokukhetha ixesha elifanelekileyo lokurhuma. Hayi engxoweni apho ungangena kwaye uphume khona amaxesha amaninzi njengoko ufuna. Ayothusi into yokuba le yenye yeempawu ezichaza iimali zothengiso-mali. Ngokwahlukileyo kwezinye iimveliso ezilula ukwenza ukuba zibe sesikweni ngalo naliphi na ixesha nakwimeko.
Ingxowa mali yotyalo mali
Yimveliso ebonakalisa kakuhle le meko. Kungenxa yokuba kuthetha ukuba izikhundla ze-bearish zinokuthathwa kwizalathiso zamanani ezabelo zamanye amazwe. Ukusuka kwi-Ibex 35 ukuya kwi-Eurostoxx 50. Apho, njengoko imeko yayo yokuhla ibonakaliswa kakhulu, imali oyityalileyo kwizikhundla zengxowa-mali enesivumelwano izonyuka. Inenzuzo ngakumbi kuba ibandakanya uthotho lweekhomishini ezamkelekileyo ngabanini bale mveliso yemali.
Kuyinyani ukuba isithembiso ngalo mzuzu asibanzi kakhulu, nangona ungonelisa ibango lakho ngaphandle kwengxaki. Ukusuka ebhankini yakho uya kuhlala unemodeli yotyalo-mali kwezi mpawu. Nangona kungekho mathandabuzo ukuba kuya kufuneka ucace gca ukuba imarike yemasheya izakuhla ngexesha leseshoni elandelayo. Kuba ukuba ayisiyiyo le ndlela, ungaphulukana kakhulu nomsebenzi ngamnye ovulekileyo. Akumangalisi ukuba imali yotyalo-mali yenye yeemveliso zemali ezinobungozi obukhulu. Ifuna ukuba ucace gca malunga nokuba kwenzeka ntoni kwixesha elizayo.
Iziqinisekiso: imveliso ephucukileyo ngakumbi
Ngaphandle kwamathandabuzo enye yeemveliso zemali ezifuna inkcubeko enkulu yezemali kwicala lakho. Unokubheja kwizikhundla zokuphulukana nezokhuseleko ezikhethiweyo. Kuluhlu olubanzi lweenkampani ezidwelisiweyo, apho abameli besalathiso esikhethiweyo kwii-equities zesizwe babonakala ngokubaluleka kwabo. Kodwa kwakhona, umngcipheko ngowona ngxaki uphambili wokumiselwa ngokusemthethweni kweziqinisekiso ukusukela ngoku. Unemveliso emininzi enale mfuno. Zombini kwifomathi yayo yokubeka nakumnxeba. Ngayiphi na imeko, yenye yeemodeli ezibalulekileyo zokubamba imeko ephezulu kwiimarike zezemali. Ngaphezulu kwayo nayiphi na into onokuyifumana kwisibonelelo sebhanki sangoku.
Ukuba iziqinisekiso zahlulwe ngento ethile, kungenxa yokuba iyimveliso enoburharha onokuthi uyenze inzuzo ngexesha elifutshane kakhulu. Ngokusebenzisa inkqubo yokwahlula eyahlula kakhulu kwenye. Kwelinye icala, banenye yeekhomishini ezikhuphisana kakhulu kwintengiso. Ngaphezulu kokuthengwa nokuthengiswa kwezabelo kwimarike yemasheya. Ayifanele ilahleke kwipotifoliyo yakho yotyalo-mali ukuba ufuna ngenene ukuthatha inxaxheba ekuhambeni okuphantsi okwenzeka kwizabelo. Ngamandla okuhlaziya aphezulu. Nangona ukuba iimeko eziyimfuneko azifezekiswanga, ungaphulukana nee-euro ezininzi apha endleleni. Kuya kufuneka ulumke kakhulu ngezi ntlobo zemisebenzi.
Imali evela kwezinye
Ziyaziwa ngokuba yi-ETFS kwaye zibonakaliswe njengevulekileyo kwezinye ii-asethi zemali ngaphandle kwemarike yemasheya. Njengomzekelo, izinto zokwenza imveliso okanye isinyithi esixabisekileyo, njengezinye zeendlela ezinokukhethwa kwangaphambili kubatyali mali abancinci nabaphakathi. Yimveliso yezemali engumxube phakathi kweemali kunye kunye nokuthengwa kunye nokuthengiswa kwezabelo kwii-equities. Ngethuba lokusisigxina elihambelana nexesha eliphakathi. Isetyenziselwa ukulingana, amacandelo kunye nezalathiso. Zombini kwiimarike zesizwe nangaphandle kwemida yethu. Ngayiphi na imeko, yenye yeemveliso eziyimfuneko zemali nakweyiphi na into ekumgangatho ophantsi oxabisa ityuwa yawo.
Imveliso evela kwimarike yemasheya
Sijongene nemveliso enzima kunayo yonke ngenxa yendalo ekhethekileyo kunye noomatshini bokusebenza kunye nabo ngempumelelo. Kwelinye icala, awungekhe ulibale ukuba ukuqesha kwabo kufuna amava abanzi ekusebenzeni kwabo. Kuba ungaba semngciphekweni omkhulu wokudideka kwizicwangciso ozisebenzisayo ukwenza iiasethi zotyalo-mali zibe nenzuzo. Yimodeli yotyalo-mali ephucukileyo kwaye ifuna isixa esithile semfundo ukuze ube kwimeko efanelekileyo yokwenza ukonga ngeniso ngokukhawuleza nangaphezulu kwayo yonke indlela eyonelisayo kwimidla yakho njengomtyali mali ophakathi nophakathi.
Ikhetha iinkqubo ze-bearish ngokuthembekileyo okukhulu kuba ibonisa ezi ntshukumo ngamandla amakhulu. Ngale ndlela, yenye yezona zikhethwa ngabatyali zimali abanengcwangu abafuna ukufumana izibonelelo ezaneleyo kwimarike yezabelo. Nangona ngenxa yeempawu zayo ezizodwa, kufuneka isetyenziswe kwimisebenzi enexabiso eliphantsi. Ngokuchanekileyo ngenxa yomngcipheko wokuhamba kwakhe konke. Apho unokufumana khona imali eninzi, kodwa ngenxa yesizathu esifanayo uphulukane nenxalenye elungileyo yegalelo lakho lezemali.
Njengoko sele ubonile, inyani yokuba ibhegi iyehla akufuneki ichasene nokusebenza kakuhle. Ngenxa yoko unazo ezi mveliso ezinokukunceda ngaphezu komzuzu omnye. Ngamaxesha apho ukuvela kwamashishini kungalingani njengoko kufunwa ngabatyali mali abancinci nabaphakathi.