Amaxesha amabi otyalo-mali ahambela phambili kule minyaka izayo njengesiphumo sokudodobala koqoqosho okutsha okubambe imeko yamazwe aphesheya. Ngale ndlela, zonke iiasethi zemali ziyawa njengesilumkiso sale meko intsha. Ngaphandle kwentsimbi exabisekileyo kwaye ngakumbi igolide, exabisa lo nyaka ngaphezulu nje kwe-50%. Imbuyekezo yokuba uninzi lwabatyali mali abancinci nabaphakathi bayakulungela ukuyamkela.
Ngayiphi na imeko, eyona ngxaki iphambili yesinyithi etyheli kukufumana apho kunokuvulwa khona izikhundla zeemveliso zezemali. Kuba, enyanisweni, akukho lula kangako ukusebenzisa esi sicwangciso kutyalo mali kuba akufani nokuthenga kunye nokuthengisa izabelo kwimarike yemasheya. Ifuna ezinye iintlobo zemisebenzi ezingafumanekiyo kulo naluphi na utyalomali. Ukuba akunjalo, ngokuchaseneyo, kwiprofayili echazwe kakuhle eqala kwinkcubeko yezemali ephezulu kunaleyo yonke. Nangona ngasemva ikukuchongwa okufanayo kwaye ayikho enye into ngaphandle kokuzama ukwenza ukuba imali ekhoyo ifumane inzuzo ngesininzi sempumelelo.
Kuzo zombini ezi meko, yenye indlela enokuba luncedo kakhulu kwiimfuno zethu zotyalo-mali ngamaxesha okungazinzi kweemarike zezabelo. Phakathi kwezinye izizathu, kuba isinyithi segolide asethi yemali engaze ilahlekelwe lixabiso laso kwixesha elide. Ukuba akunjalo, ngokuchaseneyo, iyahlaziywa kwiminyaka edlulileyo kwaye kwezinye iimeko ngendlela ebaluleke kakhulu. Ukuza kuthi ga kwinqanaba lokufumana imbuyekezo ebingenakufezekiswa ngotyalo-mali lwemveli okanye oluqhelekileyo. Ngaphandle kolunye uthotho lokuqwalaselwa kwendalo yezobuchwephesha okanye kwindawo yokujonga izinto ezisisiseko.
Igolide yexabiso lokusabela ngokugqwesa
Enye yeenzuzo esizifumana kwiimveliso zesinyithi esixabisekileyo kukuba sinokukhetha iimodeli ezahlukeneyo kulawulo lwayo. Ukuya kwinqanaba lokuba unokukhetha phakathi kweebhari ezahlukeneyo zegolide okanye ngokuthe ngqo ukuthengwa kunye nokuthengiswa kwezabelo kwiinkampani zemigodi. Akumangalisi ukuba ukwahluka yenye yeempawu zayo eziphambili kwaye yintoni eyahlula kwezinye izinto zexabiso ezibalulekileyo. Ngelixa kwelinye icala, yindawo ekhuselekileyo apho ukuhamba kwemali enkulu kujoliswe kwelona xesha linzima kwiimarike zezabelo.
Kwelinye icala, isinyithi esimthubi sisoloko sithathwa njengesixhobo semali esifanelekileyo. ukulwa nokunyuka kwamaxabiso. Inokuba yeyona ndlela ibalaseleyo yokujongana nokonyuka kobomi kwaye nakweyiphi na imeko ingentla kwezinye iiasethi zemali ezibonakalayo kumgca wokuqala. Oku kuye kwenzeka iminyaka emininzi kwaye kule ngqiqo indima yayo ayitshintshanga nakancinci. Akumangalisi ukuba iphendule kwiimeko ezifanayo nezangaphambili kwaye inokuba lukhetho lotyalo-mali kule minyaka imbalwa izayo ukuba imeko yeemarike zamasheya zamanye amazwe iqinisekisa ukuthotywa kwayo. Ukudinwa kwezona ndawo ziphambili zesitokhwe emva kwereali ephezulu ukusukela ngo-2013.
Indlela yokutyala imali kwisinyithi esimthubi?
Njengoko besesitshilo ngaphambili, eyona ngxaki inkulu kutyalo-mali lwakho lilele kwinto yokuba kufuneka sikhethe ukuba yeyiphi na imveliso yezemali ukwenza ulondolozo lwethu lube nenzuzo. Ukusuka kwimarike yemasheya inokwenziwa kwiinkampani ezidwelisiweyo ezinxulunyaniswa nemveliso yale ntsimbi ixabisekileyo. Ngokwesiqhelo ngokusebenzisa imigodi kuluhlu kwiimarike ze-Anglo-Saxon zokulingana. Kodwa kunokwenzeka ukuba wenze njalo ngengxowa-mali yotyalo-mali ecinga iiphothifoliyo ezisekwe kule asethi yemali. Nangona eyona nto ibaluleke kakhulu malunga nesi sicwangciso sotyalo-mali kukuba zidityaniswe nezinye iiasethi zemali ezivela kuzo zombini, ingeniso esisigxina kunye nokwahlukileyo.
Olunye ukhetho onalo ngaphakathi kwegolide yile Ii-ETFs okanye iimali ezithengiswayo. Umxube phakathi kweemali kunye kunye nokuthenga nokuthengisa izabelo kwi-stock market. Ngaphantsi kwesicwangciso sotyalo-mali esifana kakhulu nesangaphambili. Kodwa ngomahluko ocacileyo wokuba ixesha labo lokuhlala lifutshane kwaye unokwenza utyalomali kangangexesha eliphakathi kweenyanga ezi-6 ne-12. Ngeekhomishini ezihlala zinabaninzi ngokubanzi kwaye ziya konga imali eninzi kuyo yonke imisebenzi eyenziweyo. Ngoluhlu olubanzi lweemodeli zengxowa-mali ezithengiswayo onokukhetha kuzo nangaliphi na ixesha.
Ubucwebe begolide, ibhalion, okanye iingqekembe
Okokugqibela, unolunye utyalo-mali olusekhaya ngakumbi kwaye olusekwe ekuthengweni kwezi zinto zibambekayo. Kulula kakhulu ukumisela ngokusesikweni kunye noncedo lokuguquguquka kumaxabiso ngokusekwe kwiimfuno zakho zokwenyani zotyalo-mali. Esi sicwangciso sinokwenziwa ukusuka kwi-euro ezingama-100 kuphela kunye nomda owunyanzelisa ekusebenzeni. Ngayiphi na imeko, kuya kufuneka uyazi ukuba kulunge kakhulu kuwe ukuba ucebiswe ngela xesha lokufumana ukufumana ukuze uxhaswe luqingqo-maxabiso lwalo. Ngakolunye uhlangothi, kubaluleke kakhulu ukuba kunenzuzo kakhulu. Njengoko bekusenzeka kule minyaka idlulileyo.
Ke ngoko, ubhetyebhetye kwimfuno yayo yolunye lweempawu ezichaza utyalomali kwesi sinyithi sixabisekileyo nangaphezulu kwezinye izinto zexabiso. Oko kukuthi, uneemveliso ezininzi onokukhetha kuzo ngokusekwe kukhetho lwakho. Apho into ebalulekileyo kukuba ungoyisa umdla oveliswa zezinye iimveliso zezemali, ngokubanzi ezenziwa zenze ukuba iimarike zezabelo. Kodwa kule meko, ewe akukho nzima ukuba ungafumana imida yokulamla ngaphakathi amanqanaba angaphezulu kwama-20% okanye nangakumbi ngamandla. Njengoko bekusenzeka kule minyaka idlulileyo.
Konke oku, kwimeko apho ii-equity zaseSpain zathengisa i-40.879 yezigidi zeerandi kule asethi yezemali ngoJulayi, i-2,7% ingaphantsi kwenyanga edlulileyo kunye ne-13,7% engaphantsi kwenani kwinyanga enye yonyaka ophelileyo. Apho kubonisiwe ukuba inani leengxoxo ngeli xesha lehle nge-19,2% xa kuthelekiswa noJuni, lafikelela kwi-3,39 yezigidi. Ngokufanelekileyo, I-12,9% ingaphantsi kunakwinyanga enye yonyaka ophelileyo. Le datha inokusinika umqondiso ongaqhelekanga wokubaluleka okuthile malunga nokuba ikomkhulu labatyali mali lihamba ngeli xesha lonyaka.
Uqikelelo lwegolide
Ngokwe-GFMS uqikelelo, Imveliso yegolide yehlabathi iya kuhlala izinzile ngo-2019 xa kuthelekiswa namanani alo nyaka. Ngokukodwa, kule nkampani yokubonisana inikezelwe kwizinyithi ezixabisekileyo, baqikelela ukuba kuya kuncitshiswa kancinane ngeli xesha kude kube kufikelela kwi-3.265,5 yeetoni, xa kuthelekiswa ne-3.281,7 eqikelelwa njengenani lokugqibela lowama-2018. Oko kukuthi, ukuwa kufutshane ne-1%. Kwaye oko kungathathwa njengokwamkelekileyo kwinxalenye elungileyo yabatyali mali abancinci nabaphakathi. Ngokukodwa ukuba la manani athelekiswa nezinye iiasethi zemali ezifanelekileyo.
Ngokoluvo lwabahlalutyi be-GFMS, imveliso iya kukhula e-Afrika, e-Oceania naseYurophu, ngelixa izokuwa e-Asia naseMelika. Ukuvalwa kwemigodi ebalulekileyo akunakurekhodwa, nangona kwezinye iimeko ukuncitshiswa kokuxinana kwegolide kwimbiwa ekhutshiweyo kuya kubonakala kumanani okuphela kwemveliso. Ngamanye amagama, ithemba elivela kwindawo yokujonga imveliso lilungile. Ukuza kuthi ga kwinqanaba lokuba bakumeme ukuba uvule izikhundla kule asethi yemali ngokubaluleka okukhethekileyo. Ngokukodwa ukuba amanqanaba okungazinzi kwiimarike ze-equity agqityiwe. Ingakumbi ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya. Kukuphi apho ukuhanjiswa kwemali eyinkunzi kwihlabathi kujolise khona.
IPlatinam enye intsimbi exabisekileyo inyukayo
Ukwanda kwebango leplatinum kutyalo-mali kubangele ukwanda "Iyaphawuleka" kwixabiso lesinyithi esimhlophe ngo-Epreli, ethi yona ihambelane nokwehla okukhulu kwexabiso le-palladium emva kokuphindeka kabini ngexabiso kwisithuba seenyanga ezisixhenxe. "IPlatinam ineenyanga ezisemagqabini, utshilo u-Jonathan Butler weqela laseJapan uMitsubishi, kuhlalutyo lwakhe lokugqibela lweveki. U-Butler ukwaphawule ukuba "isibonakaliso esibalulekileyo sexabiso leplatinam" ngowama-2019 ibe kukuhamba kweemveliso ezibonelelwa zii-ETFs kunye nee-ETP ezixhaswa sisinyithi.
Ngokutsho kohlalutyo lukaButler, amaxesha aphambili okukhula kwee-ETFs zeplatinamu ngo-2019 aya kubakho phakathi kweeveki ezimbini ukuya kwezintathu ngaphambi kokuba kubekho ukunyuka okukhulu kwixabiso lesinyithi. Yiyo ke le nto ukubanjwa kwecandelo "kunyuke kwalingana ne-10% yonikezelo lonyaka elikhutshiweyo" ukusukela ngoJanuwari, uButler wongeza. Kwinto ethathelwa ingqalelo njengesicwangciso esitsha sokuvula izikhundla kule ntsimbi ixabisekileyo ingalandelwanga ngabatyali mali abancinci nabaphakathi.