Ngomvulo omnyama kwiimarike zokulingana kwihlabathi liphela njengesiphumo se Ukwandiswa kwecoronavirus. Zonke iinkampani zikubomvu kwaye zide zahlawula ngosuku olunye zonke iingeniso ebezivelisiwe ukusukela ekuqaleni konyaka. Apho, amaKorea ehle nge-3,5%, ngelixa amaTshayina alahlekelwe ngaphezulu kwe-15% okoko yaqala le nkqubo yezempilo engxamisekileyo. Ngokubhekisele kwiimarike zezabelo zamashishini ezingenanzala emisiweyo e-Europe, ekuqaleni kweveki, bashiye umyinge we-4,5%. Into engazange ibonwe ukusukela ngeBrexit kwaye ekhokelele kwimeko yokwenyani phakathi kwabatyali mali abancinci nabaphakathi.
Ingxaki ye-coronavirus izibonakalisa ngakumbi kunakuqala kwiimarike zezemali, ikhethekileyo kumatyala e-Italiya, ukuze ngale ndlela kuboniswe imeko yokungazinzi okukhulu. Iimali ezininzi zijolise kwiiasethi zemali ezikhuselekileyo kwaye zisebenza njengendawo yokusabela kwiingxaki eziya zisiba mandundu. Kwintoni eyenza uvavanyo lwe-litmus lweemarike zokulingana kwihlabathi liphela ngenxa yokuba imali eninzi inokulahleka kwimisebenzi ebiqhutywa kwiiveki ezikhokelela kulo Mvulo Mnyama kuthengiso lwezitokhwe lwamanye amazwe.
Kwingeniso eguqukayo yelizwe lethu, kuye kwakho amaxabiso njengakwimeko ethile yenqwelomoya IAG ukuba ngalo Mvulo udlulileyo akukho nto ingaphantsi kwe-10% yoqingqo-maxabiso oluseleyo kwiimarike zemali. Oko kukuthi, ukuba utyale i-10.000 euros, ngoku ngela ngesiquphe uphulukene ne-euro ezili-1.000. Ewe kunjalo, ukuba uthe wenza intengiso ngolwe-Lwesibini. Njengoko kusenzeka ngamaxabiso anxulumene nezothutho, iihotele, ukhenketho ngokubanzi, iinkampani zeoyile, ukusetyenziswa kokunethezeka kunye neenkampani ezijikelezayo. Ukuya kwinqanaba elincinci okanye elingaphezulu kwe-5% kushiyeke ekuqaleni kweveki ngosuku oluya kungena kwimbali ngenxa yokuma nkqo kokuhla kwezi asethi zemali.
Uloyiko ezingxoweni: kufuneka wenze ntoni?
Ukuhamba kwemali kufuna indawo yokusabela kwigolide, kunye ne-ounce inyuka ngaphezulu kwe-4% ide isondele kakhulu kumanqanaba ekuyo Iidola ezili-1.700 nge-troy ounce. Kwaye yonke into ibonisa ukuba le meko iya kuqhubeka kwiintsuku ezizayo. Ke kunokuba yinto ecacileyo kutyalo-mali kubatyali mali abancinci nabaphakathi. Unikwe ukhuseleko olunikezelwa yile nto eluhlaza ebusweni kwinto enokwenzeka kwiintsuku ezizayo. Ukusuka kule ndawo yokujonga, ukutyala imali kwisinyithi esimthubi kunokuba luncedo kakhulu ngenxa yokuba nakho ukuphinda kube nakho ukusukela ngoku ukuya phambili. Ngokukodwa, ngenxa yokuwohloka kwemeko yezempilo kwihlabathi kwaye iimarike zezemali zilindele kakhulu.
Igolide, ayinakulityalwa, ngumxhamli omkhulu wale meko intsha kwaye sele zininzi iimali zotyalo-mali ezijolise kwizikhundla zazo ukwenza ukuba iiasethi zabo zemali zibe nenzuzo. Njengoko kwenzekile ngokwembali ngale asethi ibalulekileyo yezemali. Apho amaqondo wenzala asezantsi kakhulu kwaye amathemba ingekuko ukunyuka okuqinileyo nokuba. Ngenxa yoko, iindleko zamathuba ziye zancitshiswa kakhulu kwaye ukuba sidibanisa ukuba iindleko zokwenza ukuthengiselana ngamatyala kunye nomngcipheko onokubakho wotyalo-mali lwexesha elide kunye nejika eligcweleyo lokuvelisa, ezi zizizathu ezaneleyo zokuqalisa ukucinga ukuba uMbindi Iibhanki ziya kunciphisa ukuthengiswa kwazo kwegolide kuye kuthi ga ngoku kwaye kusengqiqweni ukucinga ukuba banokuba ngabathengi be-net ngenxa yezinto ezinje ngokukhusela ngokuchasene nokunyuka kwexabiso
Ukwahlula utyalo-mali
Ewe kunjalo, ukuba neengcebiso ezilungileyo kunye nokwahlula ngokufanelekileyo ipotifoliyo sesinye seziqinisekiso ezilungileyo ze impumelelo yokusebenza kwii-asethi ezahlukeneyo zemali. Ngenjongo echazwe kakuhle kwaye oko kukuba konke oku kufuneka kube nenjongo yokuphepha ukungaqiniseki okwenziwa kwihlabathi ngenxa yokwanda kwe-coronavirus. Ayililo ixesha elifanelekileyo lokuzibeka kwiasethi enye yezemali, kodwa ngokuchaseneyo kukuba uyisasaze phakathi kwezinto ezininzi kwaye, ukuba kunokwenzeka, bakhuselekile kakhulu kwezinye izinto ezinoburharha. Ayothusi into yokuba udlala imali eninzi ngalo mzuzu kanye. Apho ungashiya khona i-euro eninzi endleleni ukuba awusithathi isigqibo esifanelekileyo.
Ngelixa kwelinye icala, ingcebiso echanekileyo inokukunceda kwiziphumo zotyalo-mali lwakho, ubuncinci kwinto ebhekisa kwixesha elifutshane. Uphi umngcipheko kwiintshukumo isemva kakhulu ngaphambi kweendaba zamva malunga nale ntsholongwane echaphazela indawo elungileyo yeemarike zezemali. Ngale ndlela, ibhanki yakho iya kuhlala ikwazi ukukucebisa ngento ekufuneka uyenzile kwezi ntsuku zikhethekileyo. Ngenxa yomngcipheko ongeyomfuneko wokuba uza kutyala imali uyonga kwimveliso ezingakhange ziboniswe okwangoku. Ayisiyiyo kuphela kwimarike yokulingana, kodwa ikwayiyo ingeniso esisigxina okanye ezinye iindlela zotyalo-mali. Ukuze ngale ndlela uzikhusele ngempumelelo ngakumbi nangaphezulu kwako konke ngokugcina izikhundla zakho ngokufanelekileyo.
Iimali ezinxulunyaniswe nokungazinzi
Le yenye yeemveliso ezinokuba yinzuzo ngakumbi kuwe ngenxa yeempawu zayo ezizodwa, nangona kungekho mngcipheko, ngakumbi ukuba imeko itshintsha kakhulu ukusukela ngoku. Ukuze ukwazi ukuhambisa olu tyalo-mali lukhethekileyo, kuya kufuneka wazi ukuba kukho imali yokubuyisa eyiyo efana neyo Uvulindlela waseAmundi ezihlangabezana nezi njongo zibukhali. Njengengxowa-mali yokuguquguquka kwi-MSCI yeHlabathi ukuba nangayiphi na imeko inokongeza ixabiso elininzi njengendawo yeqhinga kule meko yokungazinzi. Ewe kunjalo, kukho nezinye esele zilungisiwe kule minyaka idlulileyo ngabaphathi beengxowa-mali ababalulekileyo, kwilizwe lethu nangaphandle kwemida yethu.
Ngayiphi na imeko, ayisiyo utyalomali oluqhelekileyo, kodwa ngokuchaseneyo, ifuna amaxesha akhethekileyo okusisigxina. Oko kukuthi, kujolise kwelona xesha lifutshane kwaye hayi ngobizo lokuba nabo ixesha elide kuba banokukunika ngaphezulu kwesothuso esibi ukususela ngoku ukuya phambili. Ekupheleni kosuku, kumalunga nemozulu yesi saqhwithi sichaphazela ngokupheleleyo iimarike zamasheya kwihlabathi liphela, ngakumbi ukuba le meko iya isiba mbi kwiintsuku okanye kwiiveki ezizayo. Ngale ndlela, imali yotyalo-mali enxulunyaniswe nokungazinzi kunokuba luncedo kakhulu ekubekeni imali kwimeko engentle njengangoku.
Ukuqesha iibhondi zasekhaya
Kuyathakazelisa kakhulu ukuba ungadibanisa ii-equities zehlabathi kunye nezinye ii-asethi zemali, ezinje ngezo zimelwe ziibhondi zikazwelonke. Kuba ngokusetyenziswa kwesi sicwangciso sotyalo-mali esahlukileyo nesisiseko, inokuqhubeka nokusebenza kakuhle kula maxesha okwehla ngokubanzi kwaye iqhubeke nokusebenza kakuhle. Ngokukodwa ukuba eli cebo lihamba kunye nokubaluleka kunye nokulinganisela Ulwahlulo kwipotfoliyo yethu yotyalo-mali. Ngaphandle kwento ngalo mzuzu, kwaye sisibophelelo sase-Italiya esinokuba sesichengeni ngakumbi kunamanye njengoko ilizwe le-transalpine lingumbindi wentsholongwane kwilizwekazi elidala.
Kwelinye icala, ezi ntlobo zeemveliso zezemali zizikhusela ngakumbi kuseto olubi lweemarike zezabelo, njengoko kuye kwenzeka kwiminyaka edlulileyo. Nangona usazi kwangaphambili ukuba inzuzo yayo ngokuqinisekileyo ayizukukhangeka. Hayi kangako. Ukuba akunjalo, ngokuchaseneyo, iya kuhamba ngemfoloko emxinwa kakhulu phakathi kwe-1% kunye ne-3%, ngokuhambelana noko iimveliso zebhanki ezahlukeneyo zenzelwe uphawu lokonga. Umzekelo, iidipozithi zexesha elimiselweyo ezinikezela umndilili kunye nokubuya konyaka okujikeleze i-0,90%. Ngenxa yexabiso eliphantsi lemali ngabaphathi bezemali baseYurophu.
Lihambile ixesha apho iimarike zentengiso bezinganiki ukubaluleka kwi-coronavirus. Kodwa esi sicwangciso solawulo siphazanyisiwe ngalo Mvulo umnyama kubatyali mali. Ngaphandle kwalabo abathe bathengisa ngetyala okanye ngokuthengisa izinto eziguqukayo. Zombini kwimarike yemasheya nakwezinye iimveliso zemali, ezinje ngemali yotyalo-mali. Imisebenzi ekule meko yangoku kodwa inenzuzo kakhulu kwimidla yabatyali mali abancinci nabaphakathi. Ukuza kuthi ga kwinqanaba lokuqala leveki baye bakwazi ukuqinisekisa ukuba ibhalansi yotyalo-mali ikhule njani ngokuqaphelekayo, nangona benenjongo yokuphuma kuba beyintshukumo enobungozi obuninzi. Mhlawumbi ayamkelekanga kwinxalenye enkulu yabasebenzisi bemakethi yesitokhwe ngenxa yokuntsonkotha kokusebenza kwizikhundla ezimfutshane.