Iinkcukacha-manani zamashumi eminyaka adlulileyo kwiimarike zezabelo azithandeki kakhulu ukulungiselela umdla wabatyali mali abancinci nabaphakathi. Ikrele leDamocles nangona uluvo lotyalo-mali luthathe kwiinyanga ezidlulileyo. Kodwa amanani awona afanelekileyo ekuthatheni isikhundla kwezinye zezokhuseleko ezidwelisiweyo. Kukho amanye amaxesha alunge ngakumbi ukwenza imisebenzi kwiimarike zezemali. Phakathi kwabo ikota yesithathu kwaye ngakumbi ikota yesine yonyaka. Apho uptrend uvela khona phantse ngokubanzi.
Kungenxa yesi sizathu le nto kufuneka ulumke ngakumbi ekusebenzeni kwakho nemarike yemasheya ukusukela kule mihla. Nangona kunjalo, unayo uthotho lwe amaqhinga okuqhubeka nokwenza ukonga kwakho kunenzuzo. Mhlawumbi hayi kwimarike yestokhwe ngokwaso, kodwa kwezinye iimarike ezizezinye kwanakwingeniso esisigxina yona. Ngayiphi na imeko, ukuba ukhetha iimarike zentengiso, kufanele ukuba kwenzeke ngokusebenza kwexesha elifutshane kakhulu nalapho unokufumana khona inzuzo kwiirali ezenziwa ngeli xesha.
Ewe kunjalo, indawo inye onokuyithatha ukusukela ngoku kukuyeka ukwenza nayiphi na intshukumo. Ukuze ngale ndlela, ube nokubakho kwemali eyaneleyo ukuze usebenzise amathuba eshishini anokuvela. ngekota yesibini yalo nyaka. Iya kuba ngumzuzu wokuthatha elona thuba lixhasayo zihlala zithengiswa ziimarike zezabelo. Kwaye okona kubaluleke kakhulu, ngenkxaso yokujonga ibhalansi yeakhawunti ukwenza ukuthengwa kube semthethweni.
Ikota yokuqala: yonke into ichasene
Imiqondiso ngeli xesha lonyaka ayizizo ezilungileyo onokuzifumana. Kuba, eneneni, iimpawu zokuqala ziya kweli cala. Apho nokuba enye iya ikhula Ukulungiswa okunzulu kwizalathiso kwelinye icala leAtlantic. Emva kokuba ii-majors zikwazile ukufikelela kwinqanaba labo lonke ixesha, emva koqwalaselo olubonakalayo kwiintsuku zokuqala zonyaka omtsha. Kwaye oko kunye noluhlu lwamathandabuzo oluveliswe zizabelo zeYurophu, inokuchaphazela ukuba le kota yokuqala iyafana naleyo yeminye iminyaka ezayo.
Ngenxa yale meko, ukuba sithatha njengesalathiso okwenzekileyo kule minyaka ilishumi idlulileyo, ngekhe ube nethemba lokufumana ixesha elifutshane kutyalo-mali lwakho. Ukuqaqambisa le meko, kuya kufuneka ujonge kuphela ukuba isalathiso sesalathiso saseSpain, i-Ibex 35, ngenyanga kaJanuwari iye yehla nge-1,4%. Wonke umqondiso malunga nokuba kwenzeka ntoni kwiintsuku ezizayo. Ngayiphi na imeko, ngeepesenti ezifanayo kakhulu nezo zeminye iminyaka.
Ukongeza, kule minyaka ilishumi idlulileyo iziphumo zikulayini, njengoko uza kubona ukusukela ngoku. Kule minyaka ilishumi idlulileyo, inyanga kaFebruwari icacile ibingumthengisi phantse iipesenti ezingama-80 zexesha. Ithuba elisebenze ukuze abatyali mali abancinci nabaphakathi bakhethe ukuphumla kwimisebenzi yabo kwiimarike zezabelo. Okanye kunokwenzeka njengesizathu sokuthatha inzuzo. Ngale ndlela, yiba nemali epheleleyo yokuhlawula amatyala ngaphambi kokuba kubonelelwe ziimarike zezemali.
Ukuvelisa ukukhula kwepateni
Olunye lweempawu eziphambili athe wasinika zona kule kota inzima yonyaka ukuyilwa kwephethini ye-bearish. Oko kwiimeko ezininzi kuye kwaqhubeka kunye neenyanga ezininzi ngaphambili. Kuye kwafuneka ukuba ulinde kude kube semva kweeholide zasehlotyeni ngotshintsho oluchanekileyo kwindlela yalo. Zonke ezi zinto zichaseneyo azenzi kube lula kakhulu kuwe ukuba usebenze kwiimarike ngale mihla. Kodwa endaweni yokuchasana, ukuba ubambelele phantsi ukuze ubone ukuba ezona ntengiso ziphambili zentengiso ziguquka, kuzwelonke nangaphandle kwemida yethu.
Ngale ndlela, kukho intetho ethandwa kakhulu ngabatyali mali ebhekisa kwinto oza kuyithenga ngo-Okthobha kwaye uyithengise ngoFebruwari. Esi isenokuba sesinye sezicwangciso onokuthi uzisebenzise ngeli xesha linzima lonyaka. Nangeyiphi ndlela, amava eminye iminyaka Oku kungqinwa ngokubaluleka okukhethekileyo. Ukuya kwinqanaba lokuba kunokuba yinto ophulukene nayo kunaleyo uyizuzayo. Ukufumana ukuthengiswa ngokupheleleyo kunokuba sisisombululo esifanelekileyo kuzo zonke iingxaki zakho kwimarike yemasheya.
Ngayiphi na imeko, into ongenakuyincama nangayiphi na indlela uzama ukufumana amathuba okwenene eshishini. Kungenxa yokuba enyanisweni, ungathandabuzi ukuba ezi ziya kuboniswa, nokuba imeko ngokubanzi ayilungelanga iimfuno zakho. Ukuthenga amathuba kwii-equities kuhlala kukho. Nangona ngamathuba amaninzi aya kumelwa ngu umqolo wesibini amaxabiso. Yeyona inokwenzeka ekuphuhliseni le ntshukumo. Akumangalisi ukuba babonakaliswe kukuba amaxabiso abo azimele ngakumbi kunesalathiso seemarike zentengiso.
Zeziphi iindlela onokuzisebenzisa?
Xa ujongene nala mathemba mabi athe waziswa kule kota yonyaka, iindlela onokuzisebenzisa ukukhusela umdla wakho njengomtyali mali omncinci nophakathi zahlukile. Ukusuka kumacala ahlukeneyo ezenzo ezikuvumela ukuba ube nolwahlulo oluphezulu lweentshukumo zakho kwiimarike zezemali. Ukusuka kule meko, ungangenisa ezinye zeengcebiso esiza kukunika zona ngeli xesha.
- Phambi kokuba utyale imali oyigcinileyo kwakhona, ungazinika ukuphumla okwethutyana Ude ucinge ukuba iinjongo zakho ezilandelayo zotyalo-mali ziya kuba yintoni. Ke ngale ndlela, ngalo nyaka unezinto ezicace gca kubudlelwane bakho nehlabathi lemali.
- Lixesha elilungileyo lokumisela ngokusemthethweni uthotho lotyalo mali kude kube ngoku ulibele. Inxalenye elungileyo yazo ivela amanye amacandelo. Kodwa kunye nembuyekezo entsha kwingeniso emiselweyo. Nangona ikwindleko yokusebenza kakubi. Apho kuyakubiza khona ukugqitha isithintelo se-1,50%.
- Ungazami ukunyanzela utyalomali lwakho kwimarike yemasheya. Ukuba ayiloxesha lokutyala imali yakho, awunyanzelekanga ukuba wophule intloko. Ngeli xesha kuya kufuneka ulinde kwaye ulinde amaxesha angcono okubuyela kwiimarike ze-equity. Injalo ke imeko yabo.
- Ukuba, ngaphandle kwayo yonke into, uthatha isigqibo sokwenza utyalo mali hayi imali ephezulu kakhulu. Iya kuba yindlela efanelekileyo kakhulu yokukhusela imali yakho kwizimo ezingathandekiyo kwimidla yakho njengomtyali mali. Awunyanzelekanga ukuba ubeke emngciphekweni ngaphezulu ukuba kufanelekile.
- Imisebenzi yakho kufuneka ibe bhetyebhetye kakhulu kwaye ngaphezu kwako konke kubalwe ngokona kufutshane. Iya kuba lelona xesha lifanelekileyo lokusebenza ngeli xesha lonyaka. Ngaphezulu kwezinye iindlela ezijolise kwixesha eliphakathi nelide. Kuya kubakho ixesha lokuzenza.
- Ngaphambi kokuba utyale imali yakho, camngca ngaphezulu kwesihlandlo esinye ukuba kunyanzelekile ukuba uphumeze iiodolo zokuthenga. Ekugqibeleni, esi sigqibo siza kusekelwa kwi Isigqibo esicingiswe kakuhle. Njengesicwangciso esiliqili kuwe sokufezekisa iinjongo zakho ngesiqinisekiso esikhulu sempumelelo. Ngokuqinisekileyo awuyi kuzisola ngale midlalo kwiinyanga ezimbalwa ezizayo.
- Mhlawumbi lelona xesha lifanelekileyo loku vala izikhundla zakho kwimarike yemasheya. Ngokukodwa ukuba izikhundla zakho ziphumelele. Ayizukuxabisa ukukhawulezisa utyalo-mali lwakho kuba umvuzo onokuwufumana awuyi kukubuyekeza ngokwenza izigqibo.
Zithini iinqobo zobuchule?
Ngayiphi na imeko, ukuba uyaqhubeka nenjongo yakho yokuhlala unxibelelene neemarike zezabelo, unoluhlu lwamaxabiso anokuthi athandeke ngakumbi kwimidla yakho. Ngomngcipheko ophantsi kwinkcaso yakho kwaye oko kuya kuqala kwezi zindululo zilandelayo.
Amaxabiso ombane: zezona ziziphatha kakuhle kwezona meko zintle kwii-equities. Ukongeza, bahambisa izabelo kwizabelo ezinenzuzo ukuya kuthi ga kwi-7% ngonyaka. Kujoliswe kwixesha lesigxina kwixesha eliphakathi nelide. Unokuzigquma ngayo ukuba izinto azihambi njengoko ubucinga ekuqaleni. Kuluhlu olubanzi kakhulu lwezindululo kunye nokubaluleke ngakumbi, zahluke ngokupheleleyo. Ukukunceda ufezekise iinjongo zakho.
Ixabiso lembaleki: Ziziiklasikhi kwezi meko zokuba iintloko ezinkulu zijolise kubo ngamandla amakhulu. Ngaphandle kweqela elidlulileyo, amanye amacandelo anjengeemoto, ukutya okanye ezinye iinkampani zokwakha zibandakanyiwe kweli qela likhethiweyo. Ukuvela kwayo kwiimarike kunokuba yinto elungileyo, nangona behamba ngaphezulu kwamaxesha anzima. Lixesha apho kucetyiswa ngakumbi ukuthatha isikhundla nakweziphi na ezi zindululo.
Uluhlu lwesahlulo sezahluloOlunye ukhetho onalo ngeli xesha lonyaka kukuthenga izabelo kwiinkampani ezinesivuno esikhulu. Iya kuba yindlela yokwenza ingeniso emiselweyo ngaphakathi kokungafaniyo. Ngaphandle komngcipheko ogqithileyo ekuthatheni isikhundla ngokuchanekileyo ngesi sizathu. Ukongeza, uya kuba neendlela ezizezinye zokwenza esi sicwangciso sisebenze kutyalo-mali loqobo.
Ngaphandle kokulibala ukuba unokuqesha ixesha lerhafu elikushiya unomdla kufutshane ne-1%. Ngale ndlela, uya kuba kwimeko yokukhusela ukonga kwakho ngendlela efanelekileyo nekhuselekileyo. Ngengeniso encinci kwimirhumo eyenziwe. Ngaphandle kwayo nayiphi na ikhonkco kwiimarike ze-equity ngexesha lokuhlala isigxina.