Zimbalwa kakhulu izitokhwe zorhwebo ezilinganayo ezizigcinayo kulo msele unyanisekileyo kwiimarike zesitokhwe. Ngokuwa okungazange kwaziwa kwimbali yentengiso yesitokhwe kwaye eyona nto imbi kakhulu kwinto enokwenzeka ukusukela ngoku. Ngenxa yokuba icandelo elilungileyo labahlalutyi bezemali bacinga ukuba iimarike azikafiki ezantsi kwaye ke zinokuphuhliswa iijeriksi ezintsha ze-bearish Kwiiveki ezizayo. Ubuncinci de kube igophe losulelo lwe-coronavirus lingaweli kumanqanaba alo. Kwaye oku kungenzeka ngenyanga okanye ezimbini, kodwa hayi kwixesha elifutshane.
Kwelinye icala, asinakulibala ukuba abatyali mali abanakho ukukhetha izikhundla ze-bearish kwiimarike ze-equity xa ukuthengiswa kwekhredithi kumisiwe. Ngale ndlela, iintshukumo zabo zilinganiselwe kwaye bazikhusela, ekuphela koncedo abanalo ngoku ziimali zotyalo-mali ezinxulunyaniswe nokungazinzi ngakumbi ngakumbi VIX, okubizwa ngokuba yi-index index yokwesaba ekumazinga aphezulu kwimbali yayo. Nangona kunokuba kube lixesha lokuthatha isikhundla kule asethi eyingozi yemali. Kuya kufuneka ukuba yenziwe ngalo mzuzu kanye xa iimarike zokulingana zaqala ukuhla.
Kule meko yokuphelelwa lithemba evela kutyalo-mali lwabucala, zimbalwa kakhulu iindlela ezinokusetyenziswa kwezi ntsuku. Ngaphandle kokuba ukhetha ukuhlawula amatyala kwiakhawunti yokonga ukusebenzisa i amaxabiso asezantsi kakhulu ekuza kuthengiswa ngalo izibambiso kwaye zimele ithuba eliyimbali abangatyali mali abancinci nabaphakathi. Eli licala elilungileyo lemeko yangoku yeemarike zokulingana kwihlabathi liphela, hayi eyethu kuphela. Ayisekho malunga nokulahlekelwa yimali, kodwa malunga nokwenza kube ncinane kangangoko kunokwenzeka.
Iimarike zezabelo: Uhlalutyo
Nangona kunjalo, ayizizo zonke izimvo ezimbi kakhulu. Kuba, isebe lohlalutyo lweBhanki lithathela ingqalelo ukuba ukubuyiswa kweemarike zezabelo kunokubakho ngenyanga ka-Epreli. Abacingi ukuba ixabiso lezabelo ezininzi lixabisekile ngoku 35% ngaphantsi kuneeveki ezimbalwa ezidlulileyo, njengoko isaphulelo kwizalathiso eziphambili zemarike yestokhwe. Kodwa ngokuchaseneyo, zizinto zexabiso eziyimali eziya kuhlala zikhula kwakhona, ubuncinci ngaphezulu kwexesha elide lokusisigxina. Ngayiphi na imeko, bayalumkisa, iintshukumo kunye nezenzo zabatyali zimali abancinci nabaphakathi akufuneki zilawulwe kukothuka kuba ingumcebisi ombi kwezi meko zikhethekileyo.
Ngelixa kwelinye icala, ayinakulityalwa ukuba le nyani ngumba othile kwaye iya kusonjululwa kwixesha elingaphezulu okanye elincinci. Ngale ndlela, kunye nokudodobala kwezoqoqosho iya kuba nomhla wokuphelelwa enokuthi ivele kwiinyanga nje ezimbalwa okanye kwikota ukuya kwikhosi yonke. Ngenxa yoko, utyalo-mali lwexesha elide luya kuba nakho ukuphumelela kule meko inzima sihamba kuyo kulo nyaka. Apho ekugqibeleni kwavela inkungu emnyama eyoyikekayo, nangona yayinophawu oluphambili ekungekho mntu wabala kulo.
Imali yemali njengendawo yokusabela
Olunye ukhetho abanalo abatyali mali abancinci nabaphakathi kukuya kwingxowa mali yotyalo mali. Apho ukwenza imali kungazukufezekiswa, kodwa ubuncinci kuya kusebenza kukungalahleki. Into iyinto ekwimo yangoku kwihlabathi elinobunzima bemali. Nangona kunengxaki yokuba kuya kufuneka uthwale ezinye iikhomishini ezinokwenza le mveliso yemali ibize kakhulu phakathi kwe-1% kunye ne-2% Kwimali eyinkunzi. Ukusuka kolu luvo, sisicwangciso-qhinga sotyalo-mali esonelisekanga kunokwenziwa kwemali kwiakhawunti yokonga yeebhanki. Ngayiphi na imeko, kufuneka sicinge ukuba la ayingomaxesha okujonga iimveliso eziza kwenza ulondolozo lube nenzuzo, kodwa ngokuchaseneyo, kufuneka zikhuselwe ngaphezulu kwezinye izinto ezinoburharha.
Ukusukela ngoku ukuya phambili, iintsuku ezinzima zisilindele kuzo zonke iimarike zezabelo. Kodwa ngokungafaniyo neengxaki zoqoqosho lobuchwephesha, kule kukho amaxesha amiselweyo anokunceda ukuhambisa le misebenzi. Akumangalisi ukuba, kwaye ngokungafaniyo nabanye, ukuwa kweemarike zentengiso kuphuhlisiwe kwiiveki ezimbalwa kakhulu kwaye hayi kumaxesha amade. Le nyani ivelise ukuba abatyali mali abancinci nabaphakathi banamandla amancinci okusabela ekwenzeni ukuthengisa ngexabiso elifunayo. Ukuza kuthi ga kwinqanaba lokuba uninzi lwazo luye lwabambeka kwizikhundla zazo ezivulekileyo kwiimarike zezemali. Ngeziphumo esizaziyo sonke ezenzekileyo.
Iingxowa ziya kuhlala zivulekile
Amalungu e-FESE, abandakanya ukutshintshiselana ngeYurophu iphela, awakhuselekanga kwiziphumo ze ukusasazeka ngokukhawuleza kweCovid-19 kunye nefuthe layo kwimeko yezoqoqosho. Ngelixa le meko ingekho ngaphandle kwemiceli mngeni yotshintshiselwano, kubalulekile ukuba iimarike zihlale zivulekile. Iimarike zokulingana ezilawulwayo zizalisekisa umsebenzi wentlalo noqoqosho omele ukongama ngamaxesha okungaqiniseki. Ukurhweba ngamasheya kudlala indima ebalulekileyo ekwenziweni kwamaxabiso, ukwenza izinto elubala kunye nemali. Ukuthintela ukuba bangazalisekisi lo msebenzi kuya kuba nefuthe elikhulu hayi kuqoqosho kuphela kodwa nakuluntu.
Ezi mpawu ziye zavavanywa kwixesha elidlulileyo; Umzekelo, ngexesha lobunzima bezezimali, xa eminye imithombo yemali iphelile, iimarike zentengiso ziqhubekile zisebenza ngempumelelo. Le meko ayihlukanga kwaye iimarike kufuneka zihlale zisebenza ukugcina ukuzithemba. Imigaqo ekhokelayo yamalungu e-FESE ihlala iselubala kunye nokuzimisela, ngakumbi kula maxesha angaqinisekanga.
Unaniselwano lwaseYurophu luya kuhlala kwaye kufuneka luhlale luvulekile ngalo lonke ixesha ukuqinisekisa ukhuseleko, ukuthembeka kunye nokulingana ngendlela ekhuselekileyo necacileyo.
1. Ngokobuchwephesha nangokwemisebenzi: Iimarike ziyaqhubeka zisebenza ngendlela enocwangco nesekuhleni nangona iimeko zokurhweba ezigabadeleyo zibangelwe yingxaki yeCovid-19. Ulawulo olufakelweyo kunye nabaphuli besekethe basebenza ngokwesiqhelo kunye nokuguquguquka ukuhlangabezana neemfuno zentengiso. Izicwangciso ezingxamisekileyo zenziwe eziza kuqinisekisa ukuba yonke into isebenza njengoko iyilelwe, nokuba kungumgaqo 'wasekhaya'.
2. Ukusebenza ngocwangco kweemarike zezemali: Ukuhamba kweendaba rhoqo kunika uphononongo oluqhubekayo loqingqo-mali lwabatyali-mali kwaye kuvelise isidingo sokulinganisa iipotifoliyo ngamandla. Ingxaki yangoku kulindeleke ukuba iqhubeke ukuvelisa ukungahambi kakuhle kweendaba, umzekelo, izigqibo zokuvalwa, kunye nokuhamba kweendaba ezilungileyo, umzekelo ifuthe lezicwangciso zikarhulumente zokuxhasa. Abatyalomali kufuneka bazivumelanise neemeko zezoqoqosho ezihlala zitshintsha, kwaye ulawulo olwenziweyo kwiindawo zokurhweba lubaluleke ngakumbi kwiimeko zentengiso ezinje, njengoko abaphuli besekethe bavumela abatyali mali ukuba bathathe ulwazi olutsha. Ngokubanzi, amaxabiso abeka emngciphekweni kufuneka ahlale elubala, efikeleleka kwaye ethembakele kwiindidi zee-asethi ukuze abatyali mali baxabise iipotifoliyo kwaye benze utyalomali olunolwazi kunye nezigqibo zokuthintela kwezi meko zinzima.
3. Ngekhontrakthi: ukuvalwa kweemarike kungakhokelela kuzo zonke iintlobo zamagatya ezobhambathiso ezihambelanayo kuluhlu olubanzi lwezemali kunye nezivumelwano zokusebenza. Ezi zinto zinokubakho kunye neziphumo ezibi kunokukhokelela kuthotho olungalindelekanga lokungagqibeki. Izivumelwano ezivela kwezinye zithathwa njengezithembakeleyo ngamaxabiso aqaphelekayo avumela ukuba kuphele ixesha kunye nenkqubo yokulungisa.Izixhobo zihlala zisetyenziswa njengesixhobo sommeli okanye sokubiyela iimarike ezininzi ezinxulumene ne-OTC, umzekelo, iimarike zesitokhwe. Ukuvalwa kweemarike ze-LIT kunganempembelelo ebonakalayo ekusebenzeni kuluhlu olubanzi lweemarike ze-OTC, njengoko ukupheliswa kwezixhobo eziphambili zokubiyela kunokwenza ulawulo lobungozi ngokubanzi lube nzima kakhulu.
4. Iziphumo zolawulo kunye nezimangalo, kunye nefuthe kubatyali mali abancinci: ukuvalwa kweemarike kungadala ukwanda okukhulu kwazo zonke iintlobo zezivumelwano zamazwe amabini ngaphandle kwemarike, ngaphandle kweendawo zokurhweba eziselubala kwaye ngaphandle kokhuseleko olukhoyo kwezo ndawo. Bonke abatyali mali bayakuchaphazeleka kwimeko enjalo, kodwa abatyali mali abancinci kuya kuba nzima kakhulu kukutshintshelwa kumalungiselelo opaque phakathi kwabatyali mali abaqeqeshiweyo abaya kuba nakho ukuhlengahlengisa izikhundla zabo xa kuvulwa kwakhona iindawo zorhwebo.
Ukuvalwa kweemarike ngekhe kutshintshe oyena nobangela wokungazinzi kweemarike, kususe ukungafihli kwiimvakalelo zabatyali zimali, kwaye kunciphise ukufikelela kwabatyali mali kwimali yakho; Konke oku kunganyusa uxinzelelo lwangoku lwemarike kwaye kukhokelele kwimbuyekezo embi kubatyali mali.