Enye yeemveliso ezininzi onokuzithenga ngoku ziimali zotyalo-mali. Kodwa kuya kufuneka uyazi ukuba zizinto ezininzi, njengoko zininzi njengoko zininzi ii-asethi zemali. Kwimeko nayiphi na into, enye yezona zikhohliwe ngabatyalo-mali abancinci nabaphakathi baxubene. Yimodeli yotyalo-mali leyo ukudibanisa izenzo ezininzi zemali omnye nomnye, zombini ukusuka kwingeniso eguquguqukayo kunye nesigxina, ngaphandle kokulibala enye indawo okanye izikhundla zemali. Ngokwale ngqiqo, yingxowa-mali epheleleyo equka iindlela ezahlukeneyo zotyalo-mali, ngaphandle kokuba uthenge ezinye iimveliso.
Kule meko eqhelekileyo, yenye yezona zisombululo ezikhuselayo zokungazinzi iimarike zezemali ezijongene nazo kule mihla. Phakathi kwezinye izizathu kuba zibandakanya ixesha elifutshane malunga nenxalenye yengeniso esisigxina. Ngesizathu esicacileyo kwaye asiyonto enye ngaphandle kokunyuka kwesantya okubonakalayo okuza kwenzeka kwi-euro zone. Ngale ndlela, enye yeempembelelo zokuqala ezenziwe ngolu hlobo lwemali kukuba ikhusela ukonga kwakho ngakumbi. Ngengqiqo yokuba ilahleko, ukuba ikho, ilinganiselwe kakhulu.
Yimveliso elungelelaniswe kuzo zonke iiprofayili zabatyali-zimali. Ukusuka kowona mandla ukuya kowona ukhuselayo, kungekho mida malunga nabo banokuba ngabamkeli. Nangona ingabona bagcini bogcino abathe ekugqibeleni bakhethe iingxowa-mali zotyalo-mali ezixubeneyo. Ingakumbi kuba ibavumela ukuba bahlule inkunzi okanye ii-asethi zabo ngokusebenzayo ngakumbi. Ukusuka kwiindlela ezahlukeneyo zotyalo-mali onokuthi ukhethe ngokuthanda kwakho. Akunjalo ngelize, banomnikelo onamandla kakhulu okhethwe zizo zonke iintlobo zabaphathi belizwe kunye namazwe ngamazwe.
Iimali ezixubeneyo: ziguquguquka ngakumbi
Kutheni le nto ezi ntlobo zeemali zinokuba nomdla kakhulu ukubhalisela ngeli xesha? Ewe, ngenxa yakho ukuguquguquka kunye nokuguquguquka ibenza ibe lelinye lawona macandelo afanelekileyo kwimeko yemalike yemali yangoku. Apho, izabelo zamashishini ezingenanzala emisiweyo zibonisa iimpawu ezixhalabisayo zobuthathaka kunye nengeniso esisigxina ayisiyiyo le nto ibiyiyo kwiminyaka embalwa edlulileyo. Ngomngcipheko wokuba unokushiya ii-euro ezininzi endleleni. Kule meko yehlabathi, iingxowa-mali zotyalo-mali ezixubeneyo ziwunciphisa kakhulu umngcipheko. Nangona ngokuchaseneyo, banciphisa ingeniso enokwenzeka onokuyifumana kwiimeko ezibanzi zomjikelo wezoqoqosho.
Ufumana ntoni ngokwenene xa uqesha ezi mali zotyalo-mali? Ewe, into elula njengokuvula indawo yokukhusela ngakumbi kwiimarike kuba uya kukhetha ukunciphisa ubunzima bayo kwizabelo kunye nokunciphisa ubude bexesha kwinxalenye yengeniso esisigxina ebusweni bomngcipheko wokunyuka kwesantya. Njengoko sele ubonile, zininzi iingenelo ezinokukuzisela zona. iimveliso yezemali kwimeko efana nale yangoku. Apho, kwelinye icala, ungazi ukuba wenze ntoni ngemali yakho. Ngenxa yokuba i-stock market ayikuqinisekisi kwaye ingeniso esisigxina igcwele uluhlu lweengozi ezingenakucingelwa kude kube yiminyaka embalwa edlulileyo.
Iimveliso zendalo eyahlukileyo
Ngokuqinisekileyo, kukho into enye ecacileyo malunga neemali zotyalo-mali ezixubileyo kwaye kukuba ngaphakathi kwabo, sinokubona izicwangciso ezahlukeneyo ezinokusetyenziswa kwihlabathi lotyalo-mali. Nangoko iimodeli ezintsha kakhulu oko kunokukothusa ngobutsha babo kunye nemvelaphi yabo. Ngokwemilinganiselo eya kujoliswa kwiprofayili oyibonisayo njengomtyali-mali omncinci kunye nophakathi. Oko kukuthi, ngomngcipheko ophakathi okanye ukucinga iindlela ezinobundlobongela. Kodwa kuzo zonke iimeko utyalo-mali olwahlukeneyo luchaza ezi mveliso zikhethekileyo sithetha ngazo.
Ngenye indlela, awunakulibala ukuba iimali ezixubeneyo zikunceda uhlengahlengise i-beta kunye nomngcipheko kwiipotfoliyo. Enyanisweni, oku kusekelwe kwinto yokuba ilahleko ephezulu idla ngokulawulwa kwaye bathande ukuba ngabaxubi bepotfoliyo abalungileyo. Apho wena ngokwakho akuyi kufuneka wenze nantoni na, kodwa ngokuchaseneyo yonke into iya kwenziwa kuwe ngabaphathi ngokwabo. Zeziphi ezo ezikhetha ukuba zeziphi ii-asethi zemali ezizezona zifanelekileyo ukwenza ulondolozo lwabaxumi lube nenzuzo. Abanye babo ngomsebenzi wonyaka onokufikelela kwidijithi ephindwe kabini. Ubuncinci iya kukunika into onokucinga ngayo malunga nokuba ifanelekile na okanye ayikufanelanga ukuyimisela ngokusemthethweni ukusukela ngoku ukuya phambili.
Ukuncediswa kwipotifoliyo yotyalo-mali
Kuyo nayiphi na imeko, iingxowa-mali ezixubeneyo zihambelana kakuhle naluphi na utyalo-mali oluphuhlileyo kude kube ngoku. Ngokuboniswa kwi-equities, iimali, izixhobo eziluhlaza, njl. Oko kukuthi, uya kuba nokuguquguquka okukhulu ukuphuhlisa isigqibo oye wasenza xa ukhetha enye yeemveliso ezinezi mpawu. Ngokuqinisekileyo ngakumbi kwiimodeli zemveli ezisekelwe ngokuthe ngqo kwingeniso eguquguqukayo okanye esisigxina. Hayi ilize, yenye yeenzuzo ezinkulu zokubheja kule modeli yotyalo-mali ngeli xesha.
Kwelinye icala, ezo zibizwa ngokuba zixubene ziya kubangela ukuba ube ngandlel’ ithile uzolile xa ujongene nokungazinzi okunokwenzeka yeemarike zemali. Kanye njengoko kusenzeka kwezi nyanga kwaye oko kudala ukungaqiniseki kwinxalenye elungileyo yabatyali-mali. Njengoko kusenokuba njalo kwimeko yakho xa usoyika into enokwenzeka kwilizwe elihlala lintsonkothile lemali. Ngale ndlela, iingxowa-mali zotyalo-mali ezixubeneyo zibonelela ngokhuseleko olungaphezulu kunolunye. Kodwa lumka kakhulu, kuba azikho ngaphandle kwemingcipheko. Kude noko, njengoko unokubona kwangaphambili kwezi ngcaciso.
Yenzelwe ixesha elide
Ngokumalunga nexesha elide, akukho mathandabuzo okuba indibaniselwano yee-asethi ezahlukeneyo zemali ibonelela a ukuhambelana okuqinileyo ukongeza ixabiso kwiipotfoliyo. Ngokuqinisekileyo, ukusebenza kwayo kwiindlela ezimfutshane kulinganiselwe kunezinye iintlobo zeemali zotyalo-mali. Ngenxa yokuba izicwangciso zabo zinzima ngakumbi ukuphuhlisa ngenxa yeempawu ezikhethekileyo zale mizekelo ukwenza izinto zakho zobuqu zibe nenzuzo. Oko kukuthi, zenzelwe ixesha leminyaka embalwa ezayo kwaye zinokukunceda ukuphelisa ukuxhatshazwa xa ulungiselela ukungena kwiimarike zemali.
Kuyo nayiphi na imeko, uya kuhlala unethuba lokudlulisela iimali zakho zotyalo-mali ezixubeneyo kwezinye iimodeli zolawulo. Inzuzo yesi sicwangciso kukuba ungasebenzisa le nkqubo ngokungenamkhawulo, oko kukuthi, amaxesha amaninzi njengoko ufuna ngokusekelwe kwiminqweno yakho. Ngenxa yokuba nayo ayiyi kuba naziphi na iindleko zemali, kuba ngokuchaseneyo awuyi kuchitha i-euro enye kule misebenzi. Imvelaphi yeemali ayinamsebenzi kuba eyona nto ifunekayo kukuba imali ifakwe kwiziko lebhanki elinye. Kwaye uqondise kwingxowa-mali oyibona ifanelekile, nokuba ubunjani bakho.
Ziimali ezilawulwa ngakumbi
Ukuba ezi mveliso zemali ziphawulwa yinto ethile, kungenxa yokuba unokusebenzisa ulawulo olukhulu kwizikhundla zabo. Kukuchasana, kodwa oku kungenxa yokuba ii-oscillations zayo zincinci kunemali yotyalo-mali esekelwe kumvuzo oguquguqukayo okanye osisigxina. Ayilolize, ukuguquguquka kusezantsi ngokubonakalayo kuba kunqabile kakhulu ukuba kubekho ukuguquguquka okunobundlobongela. Kule meko, ziyimveliso enokuthi ithathelwe ingqalelo ngakumbi. Into engathethi ukuba bakhululwe kwilahleko kwixabiso labo. Ewe akunjalo, njengoko ubona ngokuvela kwezi modeli kulawulo lwemali.
Ngeekomishini ezininzi
Olunye uqwalaselo omele uluthathele ingqalelo ngoku kukuba ukuqesha kubandakanya ukuhlawula iikomishoni ezininzi. Njengakwimali eseleyo yotyalo-mali, nangona kuyo nayiphi na imeko Kuyamangalisa kakhulu ukuba bangaphezulu kwe-1,50% kwinkunzi etyaliwe. Iikhomishini zezi mveliso zemali zihambelana nezo ziphuma ekuthengeni nasekuthengisweni kwezabelo kwi-stock market. Kwaye kwanda ngakumbi kuneemali ezithengiswayo ezaziwa ngokuba zii-ETFs. Ngaloo ndlela, akuyi kubakho mahluko abalulekileyo ngokubhekiselele kwezinye iindlela zotyalo-mali.
Kufuneka kwakhona ukhumbule ukuba bohlwaywa ngenxa yabo unyango lwerhafu. Oku kuthetha ukuba xa ufumana iminikelo yakho yemali kunye nenzala ehambelana nayo, irhafu iya kutsalwa. Oko kukuthi, inzuzo epheleleyo ayiyi kuya kwi-akhawunti yakho yokonga. Ngoko ke, isicwangciso sakho esilungileyo sisekelwe ekugcineni iimali ezixubeneyo ixesha elide lokuzama ukubuyisela le nkqubo yerhafu.
Ngokwale mbono, ayisiyiyo enye yeemveliso ezicetyiswayo, kodwa ilungelelaniswe kwiiprofayili zomamkeli ezithe ngqo. Kuyo nayiphi na imeko, yenye yeendlela ezizezinye onazo ngeli xesha ukwenza ukonga kwakho kube nengeniso. Nangona uvela kwindlela entsha ngakumbi kunezinye iinzame onazo ngaphambi kwakho. Ngeentlobo ezininzi zeemodeli eziza kulungelelaniswa kwiprofayili nganye yabatyali-mali abancinci nabaphakathi. Ngaphaya kwezinye izinto zobuchwephesha kwaye mhlawumbi nokuba zisisiseko. Ukusukela ngoku ukuya phambili kuya kufuneka uvavanye kuphela ukuba kufanelekile ukwenza okanye hayi.