Emva kokubuya kwiintsuku ezimbalwa zokuphumla lixesha lokuba uphinde uqalise yonke imihla. Kwaye kunokuba kuncinci kangakanani, omnye wale mi sebenzi kubandakanya ukuphuhlisa isicwangciso-mali esikuvumela ukuba ukwenza imali ukonga ukususela ngoku ukuya phambili. Kwindawo yokuqala, ukujongana nale kota yokugqibela eshiyekileyo kude kube sekupheleni konyaka kwelinye icala, ukuyila ukuba ubudlelwane phakathi kwehlabathi nemali buza kuba njani kunyaka-mali olandelayo. Kukule mihla apho kufuneka ukhethe apho uyigcina khona imali yakho.
Ewe ukubuya eholideyini akuyi kuba lula kuwe ukuba usebenzise izimvo zakho zotyalo-mali. Hayi ngelize, i ukungazinzi kwezopolitiko iyakuba yenye yezona zinto ziphambili ezixhaphakileyo ezichaza iimarike zezemali kwilizwekazi elidala. Ngapha koko, ayinakulityalwa ukuba ukunyuka kwamazinga enzala kwindawo ye-euro kusondele kakhulu kwaye ngokuqinisekileyo le nto iya kulungisa imeko yentengiso yemasheya kwiinyanga ezizayo.
Enye into ekufuneka uyiqwalasele ukusukela ngalo mzuzu kukuba i uyabuya ibonelelwe ziimarike zamasheya kwiminyaka edlulileyo. Uphi na ekufuneka ukoyisa ukhuseleko ngaphezulu kwezinye izinto eziqwalaselweyo zobuchwephesha kwaye kwanakwindawo yokujonga esisiseko. Kuba ngoku, ngoku xa ubuya eholideyini, kuya kufuneka ujolise kutyalo-mali oluvela kwezinye iindlela ezahlukeneyo. Into oya kuyibuza yona kwezi zihlandlo zichanekileyo.
Buyela eholideyini: uyokutyala phi?
Indlela yakho yokuqala ngoku kukukhetha ukuba yeyiphi iiasethi eziyimali apho ungabeka khona ikapitali yakho. Ezi asethi zinokwahluka kwezo zikhethiweyo ukuza kuthi ga ngoku. Awunakukhetha ngaphandle kokutshintsha ipotifoliyo yotyalo-mali ukuphucula imbuyekezo onokuyifumana ngeendlela ezintsha. Ayothusi into yokuba ayinakukhanyelwa ngaphandle kokuba sisondele kakhulu kwi utshintsho kumgangatho kwiimarike zezabelo, ukusuka kwi-bullish ukuya kwi-bearish. Njengoko kuthathelwa ingqalelo kwezi veki zidlulileyo apho ii-indices eziphambili zamanye amazwe zibonisa ukudinwa kwiindawo zabo.
Ukusuka kule meko, ayizukuba ngumbono ombi kuwe ukukhusela inxenye yenkunzi yakho kwi idizithi yexesha elimisiweyo. Ukuthatha ithuba lokunyuka kwexabiso lenzala le mveliso yebhanki inayo ngalo mzuzu. Apho sele kunokwenzeka ukuba kudlule amanqanaba e-1% kwaye kulindeleke ngcono ngenxa yokunyuka kwezinga elinokuthi lenzeke eYurophu kunyaka olandelayo. Ngethuba lokuqala kwiminyaka emininzi, iidipozithi zekota ziphinde zanqwenela abagcini abancinci nabaphakathi. Into engakhange yenzeke iminyaka emininzi, egqithileyo.
Ivenkile yentengiso: ukukhetha isitokhwe esikhuselayo
Ngaphakathi kwizabelo, eyona ndlela ilungileyo iya kwenziwa kukhuseleko olukhuselweyo kwimarike yemasheya. Esi sicwangciso-nkqubo siya kukuvumela ukhuseleko olukhulu kwezona meko zibi kwiimarike zezemali. Ngale ndlela, ukhetho lunokuvela kumacandelo abaluleke njenge Umbane okanye amandla. Kuba ngokwenyani, baya kwenza bhetele kwiimeko ezingathandekiyo kwiimarike zamasheya zamanye amazwe. Nangona kunjalo ayizukuba ngabo banikezela ngeyona nzuzo ilungileyo kumaxesha abanzi eemarike zezemali. Ukongeza, uninzi lwezi nkampani zidwelisiweyo zinezivuno ezinomtsalane zesahlulo. Kwiimeko ezininzi, iimida ezisezantsi ngaphezulu kwe-5%.
Ngakolunye uhlangothi, ukhuseleko olukhuselekileyo kwimarike yemasheya yindlela efanelekileyo ngakumbi Utyalomali oluthe ngqo kwixesha eliphakathi nelide. Zange nakwezimfutshane kuba amaxabiso abonakaliswa ngokusisiseko kuba azinzile kwixabiso lawo. Ngaphezulu kwalawo aveliswe kwamanye amacandelo abaluleke kakhulu kwaye anezinto ezininzi kunye neemfuno zotshintsho lwezihloko zazo phantse kuzo zonke iiseshoni zokurhweba. Kulunge kakhulu ukuba ipotifoliyo yakho yotyalo-mali ikolu hlobo lokhuseleko xa ubuya eholideyini yakho ukukunika ukhuseleko olukhulu kwizikhundla zakho kwimarike yemasheya. Nokuba lilizwe okanye ngaphandle kwemida yethu.
Dibanisa iiasethi eziyimali
Alithandabuzeki elokuba esi sicwangciso sotyalo-mali kufuneka sibe yinto ephambili ukusuka ngo-Septemba. Phakathi kwezinye izizathu, kuba et izokunceda zahlula imali ukuba uza kutyala imali ukusukela ngoku. Enye yeemveliso zezemali apho lo mkhwa ubonakala kakuhle kungenxa yotyalo mali. Kuba unokudibanisa ingeniso esisigxina kunye nengeniso eyahlukileyo evela kwii-angles ezahlukeneyo okanye iipremiyamu ngokwe-asethi yezemali ofuna ukuba ingxowa mali yotyalo-mali isekwe kuyo. Ukongeza, awungekhe ulibale ukuba yimveliso ebonakalayo ecacileyo yokunyuka kwemali. Oko kukuthi, ngokuzimisela okukhulu kwicala labatyali mali abancinci nabaphakathi.
Kwelinye inyathelo ngaphakathi kwezikhundla zotyalo-mali, kubaluleke kakhulu ukuba ezi mali zotyalo-mali zibe ikhuselwe kwimali. Ayothusi into yokuba iyakuba sesinye sezona zitshixo zibalulekileyo zokuphucula amanqanaba enzuzo kwezi mveliso zezezimali. Nokuba ubeka izikhundla zakho kwi-euro okanye kwidola yaseMelika, kuxhomekeke kwindlela abathengisa ngayo ngalo lonke ixesha. Inxalenye elungileyo yeenkampani zolawulo zikhetha ezi modeli zotyalo-mali njengefomula yokwenza ulondolozo lube nenzuzo kunye neziqinisekiso ezinkulu zempumelelo kunangoku.
Thatha ithuba lokubuya kweoyile
Njengolunye ukhetho ngeli xesha akufuneki ulibale ngegolide emnyama. Ukuya kwinqanaba lokuba inokuba lolunye lotyalo-mali olunenzuzo kule minyaka imbalwa izayo. Apho uqikelelo lwaseburhulumenteni lubonisa ukuba ixabiso leoyile linokuthi Amanqanaba okusondela kuma- $ 90 umphanda. Ke, le asethi yemali inokubanakho ukuphinda ihlaziye ngaphezulu kwe-10%. Phezulu kunoko kunikezelwa zezinye izindululo onazo kwihlabathi lotyalo-mali. Ukusuka kule ndlela, zininzi i-euro onokuzifumana, nangona uthatha umngcipheko ngakumbi kunezinye iindlela zotyalo-mali.
Ukutyala imali ngegolide emnyama, enye yeendlela onokuthi ukhethe kuzo kukuthenga izabelo zokhuseleko lweoyile ezidweliswe kwezona ndawo zibaluleke kakhulu kwimarike yemasheya emhlabeni. Ngokumalunga nokulingana kweSpain, kuthintelwe kuphela kwizikhundla ezihlala kuzo Repsol kwaye ibisesinye sezona sitokhwe sinenzuzo kwisiqingatha sesibini sonyaka ophelileyo. Ngapha koko, unamathuba amaninzi kwiimarike zesitokhwe zaseMelika, eNgilane nakwiHolland encinci. Ungaya kule asethi yemali kwiimali zotyalo-mali ezisekwe kwiinkampani zezi mpawu.
Iimarike ezihlumayo: ukuxabisa ngakumbi
Esinye sezona zindululo ziphakanyisiweyo ziphambi kwakho seso sivela kwiimarike ezikhulayo zemali. Kodwa ayinguye wonke umntu, kuba umngcipheko oboniswe zezi marike ungaphezulu kokumangalisayo. Apho ungashiya khona i-euro ezininzi endleleni, njengoko kuye kwenzeka kwiminyaka edlulileyo. Kungenxa yoko le nto ukhetho lweemarike zesitokhwe kufuneka lumiselwe phantsi kokhuseleko olukhulu ukuze ungabinayo enye into emangazayo ukusukela ngoku. Ukusuka kolu luvo, ziingxowa ze I-China kunye ne-Russia encinci ezo zibonisa ezona zithuba zibalaseleyo zamashishini ngalo mzuzu.
Ezi marike zezemali zezona zifumana eyona nzuzo kwaye kuyo nayiphi na imeko ingaphezulu kunaniselwano ngokwesiko okanye ezo zaziwa kakhulu ngabatyali zimali zentengiso. Ayothusi into yokuba banikezela amandla aphezulu inomdla kakhulu, nangona ukuba indaleko yabo iyathandeka akukho mathandabuzo ukuba banokwaphula konke okulindelweyo ekukhuleni. Ngemida enokuthi ibe nomtsalane kwaye ingafumaneki kuzo zonke iimarike kunye neemveliso zemali. Ukuya kwinqanaba lokuba yenye yeendlela ezizezinye zotyalo-mali onalo.
Amanyathelo okhuseleko ekuthatheni isikhundla
Nangona kunjalo, kwaye ekubeni utyalo-mali lusemngciphekweni, akufuneki utyale icandelo elibaluleke kakhulu kwikapitali yakho ekhoyo. Ukuba akunjalo ngokuchaseneyo, nantoni na inxalenye encinci iya kuba ngaphezulu kunokwaneleyo ukuhlangabezana nolindelo lwakho lotyalo-mali. Ngale ndlela, uya kuba unika ukhuseleko olukhulu kwiminikelo yakho yemali kwimeko apho ezo zikhundla zingaguqukiyo ngendlela ofuna ngayo. Ayothusi into yokuba ukungazinzi okugqithisileyo yenye yezona zinto zixhaphakileyo kwezi marike zezemali, kunye nokuhla kweseshoni efanayo yokurhweba ukuya kuthi ga kwiipesenti ezintlanu nangakumbi.
Kwelinye icala, ziimarike ezinxibelelene ngokusondeleyo nezinto ezithile zemali, ezinje ngeoyile. Kwaye oko kuxhomekeke ekubeni iyakhuthaza, ngekhe kubekho ngxaki ezigqithileyo ukufikelela kumanqanaba aphezulu kulungelelwaniso lwamaxabiso. Ukusuka kolu luvo, amaxabiso abo akazinzanga kwaye kuya kuba nzima ngakumbi ukubona ukuba utshintsho lwendlela lwenzeka phi, kwicala elinye okanye kwelinye. Ngaphaya kwezinye iintlobo zokuqwalaselwa kobuchwephesha.