Okwangoku zimbalwa ii-asethi eziyimali eziyintsusa kwaye zinenzuzo njengokuguquguquka kwezinto. Ngokukodwa ukusukela ukuba ii-equities zase-US zazine ukuwa okukhulu kwimbali yayo, Ngokushiya i-5%. Yenziwe kwisilumkiso esipheleleyo kubahambi ngeenqanawa malunga nokuba utyalomali kwimarike yemasheya lunokuya phi ukusukela ngoku. Kungenxa yokuba ukungazinzi, ukonga kunokwenziwa kunenzuzo nakwezona meko zimbi iimarike zemali. Ngayiphi na imeko, yindlela entsha evula amathuba amatsha eshishini. Vula kuzo zonke iimeko ezingxoweni.
Utshintsho olunokuthi lwenzeke ngoku kunokubangela ukuba iimarike ziqale ngenene kwaye zingahambelani ukubuyela kwiimarike. Ukuze uthabathe le meko inomdla, awuzukukhetha ngaphandle kokuzibeka kule nto inomdla ubuncinci beasethi yezemali. Ayothusi into yokuba kunemali eninzi onokuyifumana ukusukela ngoku ngezikhundla zakho. Kodwa endaweni yokuthatha umngcipheko ngakumbi ekusebenzeni kwezi mpawu. Ngesi sizathu kuya kufuneka ulumke ngakumbi kunokwenza eminye imisebenzi yemveli.
Ukunyanzeleka kunokwenzeka ukuba kuveliswe kwelinye icala leAtlantic kunye nesizathu esibalulekileyo sokuba uya kuqonda ngokugqibeleleyo. Ayikho enye into ngaphandle kokuba isalathiso Dow Jones inyuke ngomyinge wama-30% ngaphezulu kwe-Ibex 35 kwaye ke iluncedo kakhulu ekuphuhliseni iintshukumo ezinobundlobongela kwiimarike zemali. Kungenxa yokuba ngexesha elithile ukuhamba kwayo kunokutshintsha kakhulu. Akumangalisi ukuba, okwenzekileyo ngexesha lokuqala kuFebruwari ibingumqondiso ocacileyo wento enokwenzeka kulo nyaka. Ukuya kwinqanaba lokuba uqaphele malunga nayo yonke into eyenzekayo kwizalathiso zamasheya zamanye amazwe.
Ukuguquguquka: kuxhomekeke kumaxabiso
Kufuneka ukhumbule ukuba iimakethi bezine "doping" enkulu kakhulu ngenxa yokuthengwa kweebond ngu Federal Reserve kunye ne-European Central Bank. Le nto ayizukuhlala naphakade kwaye inokwahluka nangaliphi na ixesha kwaye ke kufuneka uzilungiselele. Kuba kule meko, akukho mathandabuzo ukuba ukungazinzi kuya kubuyela kwiimarike zezemali. Nokuba unobungozi obukhethekileyo, njengoko abanye abahlalutyi bezemali abalumkisayo belumkisa. Apho kukho imali eninzi ongaphulukana nayo kwimarike yemasheya ukuba uneendawo ezivulekileyo.
Ngale ndlela, isigqibo malunga amaxabiso enzala kuyakubaluleka ukubona ukuba inguquko yamazwe-ngamazwe iyakuba yintoni ekugqibeleni. Uloyiko lweemarike zezemali kukuba oku kunyuka eMelika kuya kwenziwa ngokukhawuleza kunokuba abatyali zimali becinga. Akumangalisi ukuba esi sesinye sezizathu zokwenyani zokuba phantse zonke iimarike zentengiso ziye zadilika ngenyanga kaFebruwari. Okwangoku ibisisoyikiso esibaluleke kakhulu esithi ewe yoyike inxenye elungileyo yabatyali mali abancinci nabaphakathi. Kodwa into ongayaziyo kukuba ukusukela ngoku uya kuba nakho ukuxhamla kwimeko yokungazinzi kwiimarike zezemali.
Ngaba ziintshukumo ezithile?
Ukudodobala kwamashishini kulayite izibane ezibomvu zabasebenzisi besitokhwe. Kodwa ngoku lixesha lokubonisa ukuba le yinto ethile okanye ukuba ngokuchaseneyo ifikile ukuhlala, njengoko abanye abahlalutyi bezezimali besitsho. Kungenxa yokuba i-vertigo enikezelwa ziimarike zaseMelika Kwiimiyumums, ivumela imeko ukuba itshintshe kakhulu ngalo naliphi na ixesha. Ke iya kuba sisihlandlo sokutyala imali kwimeko yokungazinzi. Nangona ekuqaleni awucacanga kakuhle ukuba ungaya phi ukuze uthathe inzuzo kwezi ntshukumo zikhethekileyo. Ewe kunjalo, kufuneka ukhuthazwe ukwenza olu hlobo lomsebenzi we-atypical kwiimarike zezemali.
Ngayiphi na imeko, wamkelekile ukubuyela kwimeko yokungazinzi, kuba le yinto eyenzeka rhoqo kwimarike yemasheya. Ayisiyonto ikhethekileyo, kude nayo, kodwa yinxalenye yolondolozo. Kwaye indala njengebhegi uqobo. Ekuphela kwento ngaphambi kokuba ungenazimveliso zilungileyo ukuba zisebenze kunye nezi ntshukumo ziphinda zibe yimfashini phakathi kwabatyali mali abancinci nabaphakathi. Ngenjongo yokwenza imali kwezona meko zingathandekiyo kwizabelo zamanye amazwe. Emva kwayo yonke loo nto, yinto ongenakuyilawula nangayiphi na indlela kwezi nyanga zimbalwa zizayo.
Gcina imali kwisalathiso soloyiko
Eyona ndlela ethe ngqo yokutyala imali oyongele ukungazinzi kukusebenzisa isalathiso soloyiko. Kungenxa yokuba le yindlela ebizwa njalo VIX. Isalathiso sesitokhwe esiphindaphinda i-S & P, kodwa phantsi kwendlela echaseneyo. Oko kukuthi, asezantsi imarike yemasheya, kokukhona kukhula ukonyuka okufumanekayo kwesi salathisi semarike yemasheya yaseMelika. Akumangalisi ukuba, ngexesha lokuwa kwestokhwe salo nyaka kwiDow Jones, i-VIX yayixabisa ngaphezulu kwe-50%. Njengoko ubona, kukho imali eninzi onokuyifumana ngale ndlela kwiimarike zezemali.
Isalathiso sokwesaba sinenzuzo kakhulu xa ibhegi iyehla. Kodwa kuyo nayiphi na imeko, kuya kufuneka uhambe ngexesha kuba ungashiya i-euro eninzi endleleni. Ngaphezulu kunokuba ucinga kwasekuqaleni. Ngowona mngcipheko uphambili kwimisebenzi yakho, njengoko abahlalutyi bezemali belumkisa. Kodwa kuya kufuneka uhambe kakuhle phakathi kwezikhundla zabo ukusukela ngoku ukuba awufuni kuthatha isimanga esibi esichaphazela ibhalansi yeakhawunti yakho yokujonga. Le yinto ekufuneka uqiniseke ukuba uyixabisile ngamandla athile.
Ukuqokelelwa kwengxowa mali
Enye yeemveliso zezemali ezibonisa kakuhle le meko ziingxowa-mali zotyalo-mali. Abanye babo batyala imali kweli nqaku likhethekileyo. Kuyinyani ukuba okwangoku akukho zininzi, kodwa zanele ukuhlangabezana nale mfuno oyithathela ingqalelo kutyalo-mali. Ewe, ngezi mali unokufumana inzuzo kukungazinzi kweemarike zezemali. Okukhulu kokuwa kwizabelo, kokukhona inkulu imali eya kwiakhawunti yakho yokutshekisha. Le yindlela ezisebenza ngayo ezi mali zotyalo-mali.
Olu didi lweemveliso alwenzelwanga ixesha elide kakhulu. Ukuba akunjalo ngokuchaseneyo, ngaphezulu okanye ngaphantsi kwamaxesha amafutshane kwaye antywiliselwe kwezi ntshukumo. Kuba ngokuqinisekileyo banokukunika ngaphezulu kokungathandi. Ngamafutshane, zenzelwe amaxesha athile afuna olu tyalomali. Nokuba yeyiphi indlela, unako yahlulahlula ngezinye iimali uzinze ngakumbi. Ukuze ngale ndlela, uhlukanise utyalomali ngendlela ekhuselekileyo. Ukuya kwinqanaba lokuba uthathe umngcipheko omncinci kwaye uhlala ubulela.
Uncedo lwezikhundla zokungazinzi
Ukuze ucace gca malunga nokuba yintoni ukungazinzi, kuyakubaluleke kakhulu ukuba uhlalutye ukuba zeziphi izibonelelo ezikunika izikhundla. Ezinye zazo ziyaqondakala kuzo zonke iimbono, kodwa ezinye ngokuqinisekileyo ziya kutsala umdla wakho kwimbono yakho njengomtyali mali omncinci nophakathi. Njengakwizenzo ezilandelayo esikubhengeza apha ngezantsi.
- Yinyani yenoveli kunye notyalo mali oluvumela ukuveliswa kwe imbuyekezo ephezulu kuneemveliso eziqhelekileyo ezisekwe kubulungisa.
- Awudingi ukujolisa izixa ezikhulu kolu hlobo lotyalo-mali. Ukuba akunjalo, indawo encinci yenkunzi iya kukwanela ukwanelisa le mfuno ikhethekileyo.
- Unako yincedisane nolunye utyalo-mali ezinye iindlela. Ngenjongo ephambili yokukhusela ngokukhuselekileyo imali oyityalileyo. Ukuze unciphise ilahleko kwelona xesha lilibi kwimarike yemasheya.
- Zininzi iimali zotyalo-mali ezibonelela ngale nto ikhethekileyo. Ukuze ukhethe ezo zilungileyo zibumba kwiprofayili yakho njengokungena okuncinci naphakathi. Ukusuka kwindlela yolawulo esebenzayo kubo.
- Ungashenxisa izikhundla ngalo naliphi na ixesha kuba benganikeli akukho luhlobo lokuvuthwa oko kunganciphisa utyalo-mali lwakho. Endaweni yoko, ngokuchaseneyo, ihamba nenkululeko enkulu yokuzikhethela.
Ke ngoko, ukuba ucinga ukuba ezi zibonelelo zingaphezulu kokungalunganga, iya kuba lixesha lokuba ukhethe olu hlobo lotyalo-mali. Kungenxa yokuba kunokuba yinzuzo ngakumbi kunenye. Logama nje usazi indlela yokulinganisa ukungena kunye nokuphuma kwamaxesha. Ayothusi into yokuba sesinye sezona zitshixo zibalulekileyo Lungiselela olu hlobo lokusebenza. Ngokungafaniyo nokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya efuna indlela eyahluke kakhulu.
Kwimeko nayiphi na into, uya kuba nokucaca kancinci malunga nokuba utyalo-mali kwi-volatility luquka ntoni ukususela ngoku. Nangona ngoku isigqibo sokuvula izikhundla siza kuxhomekeka kuphela kwisibonakaliso osifikileyo ngeli xesha. Kungenxa yokuba kuyinyani ukuba unokufumana imali eninzi, kodwa ukuba nje ucinga ngobungozi obubandakanya imisebenzi yakho. Kungenxa yokuba luhlobo lotyalo-mali oluvele kule minyaka idlulileyo. Kwaye le yinto ekufuneka uyithathele ingqalelo.