Umgaqo-nkqubo wezemali waseMelika unefuthe elikhulu kwiimarike zezemali, kodwa kunye neziphumo ezincinci nezingathanga ngqo kuqoqosho lwaseYurophu, kwaye ngenxa yoko, ezipokothweni zabemi bommandla we-euro. Ukusukela ukuphela konyaka ophelileyo, isicwangciso-qhinga sayo sitshintshile, kulandela isigqibo se-Federal Reserve sokunyusa amaxabiso enzala ngekota yenqaku, ukuya kuthi ga kwi-0,50%. Ayizukuphela kwayo, kuba i-central bank yase-US iveze kwiingxelo zayo zakutshanje ukuba kuyakubakho ukonyuka okuthe kratya kwixabiso lemali kwiinyanga ezizayo, nangona kuyakwenziwa ngokuthe ngcembe kwaye kulawulwe.
Olu tshintsho lwesikhundla kumgaqo-nkqubo wezemali lwenzeka kwiminyaka elishumi emva konyuko lokugqibela lwenzekile. Ayothusi into yokuba le yeyokuqala ukusukela ngo-2006, phambi kokuba kuvele ingxaki yezemali. Eli nyathelo lincedile ukudibanisa ukukhula koqoqosho lwaseMelika, ngomjikelo owandileyo kwimisebenzi yalo yemveliso ebangele ukuba ifikelele amanqanaba aphezulu kune-4% kwimveliso yawo yangaphakathi ewonke Ngexesha leekota ezithile zeminyaka edlulileyo. Unkuthazo kuqoqosho olurhoxisiweyo, kunikwe imiqondiso ecacileyo yokuphucuka, ubukhulu bolonyuso ngoku luseza kuqinisekiswa. Ukusuka kwi-6,25% apho ixabiso lemali lihambile ekuqaleni kwale nkulungwane, laze lehla laya kwi-0,25% ekupheleni kuka-2008, hayi ukuyeka la manqanaba kangangeminyaka esixhenxe. Kwaye oko kuthelekiswa namaxabiso amabi eSwitzerland (0,75%) okanye iJapan (0,10%) ngawona mazwe apho ixabiso lemali litshiphu khona.
Ukwahluka komgaqo-nkqubo wezemali waseNyakatho Melika owenziwa ngayo kwi-European Union kuyabetha, okwahluke ngokupheleleyo. Ngapha koko, kwelicala leAtlantic, i-European Central Bank (ECB) kutsha nje ithathe isigqibo sokuqhubeka nesicwangciso sayo sokwenza lula imali yehlisa ixabiso lemali liye kwi-0%, njengesixhobo sokwandisa uqoqosho kule ndawo, ekufumaneni imiqondiso yokuncipha koqoqosho lwayo.
Iindidi: amathuba otyalo-mali
Ukutshintsha kwemigaqo-nkqubo yezemali yase-US yeyona nto ikhomba ngqo kuyo iimarike. Nangona ubukhulu becala iye yaphuculwa kunyaka ophelileyo. Akumangalisi ke ukuba ukusabela kweemarike kolu tshintsho kule meko ibe kukuya kwezinye iiasethi zemali, okanye ngamanye amagama, ukuya kwiimveliso zotyalo-mali ezitsha ezithathela ingqalelo le ntshukumo. Xa amaxabiso ehla, abatyali mali babona imarike yemasheya njengesixhobo esisesona silungileyo ukwenza ukonga kwakho kunenzuzo, kwaye ukuhamba kwemali kubhekiswa kolu tyalo mali. Ngenxa yale meko intsha yezoqoqosho, ukunyuka okuthe kwenzeka kwiimarike zabo ngekhe kubonakale njengakwiminyaka apho kwakufuneka baphile ngamazinga asezantsi kakhulu.
Kule nto kufuneka yongezwe ukuba, xa unikwe ilahleko yokhuphiswano lweenkampani zaseMntla Melika njengesiphumo se amandla edola, ukonga kunokujoliswa kwimveliso yengeniso esisigxina. Ngokukodwa kwi-North American bond, omnye wabaxhamli abakhulu kule meko. Ukuncitshiswa kwexabiso layo, kunye nokunyuka kwengeniso yayo, kuya kunika abatyali mali ithuba lokuthatha izikhundla kule asethi yemali ukusukela ngoku ukuya phambili ngamathemba angcono okusebenza kwayo.
Nangona inokuthi ikhontrakthi ngqo, eyona nto ilula kunye neyona nto intle kakhulu ukuyenza ivela kwingxowa-mali yengeniso esisigxina, ebandakanya kwipotfoliyo yayo yotyalo-mali. Okanye usiya nakwezokulingana zaseYurophu, kwaye ngenxa yesantya senzala esisezantsi esibonisayo ngoku, unokuthatha ibhaton eshiywe yimarike yestokhwe saseNyakatho Melika emva kokunyuka phezulu kule minyaka idlulileyo. Akumangalisi ukuba isalathiso sayo esimele kakhulu, iDow Jones, siye saxabisa kweli xesha lexabiso eliphantsi malunga ne-90%, emva kokufikelela kumaxesha onke aphezulu ngo-2015, xa undwendwele inqanaba lamanqaku angama-18.312.
Uhambo olubiza kakhulu abantu baseYurophu
Abemi abangabommandla weyuro abaza kuya kwelinye icala leAtlantic, bayakuqaphela iziphumo zeli nyathelo, kuba baya kwenzakaliswa yiyuro engaxabisekanga kunaniselwano lwemali yaseMntla Melika. Kwaye ngenxa yoko, iphakheji yakho yeholide, ukubhukisha indawo yokuhlala, okanye ukufikelela kwezinye iinkonzo zabakhenkethi kuya kwanda ngakumbi ukusukela ngoku.
Kweminye imimandla yomsebenzi woqoqosho, iziphumo ziya kuba zincinci kakhulu, kwaye kuya kuba nzima ukufikelela ezipokothweni. Ngaphandle kokuqhubela phambili, ayizukuchaphazela iindleko zeenkonzo zebhanki kunye neemveliso, ezixhomekeke ngokukodwa kumgaqo-nkqubo wezemali woLuntu. Ngaphandle kwenjongo yokutshintsha isicwangciso sayo, emva kwengxelo yokugqibela evela kwibhanki ekhuphayo. Ngale ndlela, ubudlelwane bemali mboleko kunye nemali mboleko iya kuqhubeka njengakuqala, ngenzala ephantsi. Kufuneka kukhunjulwe ukuba isalathiso esiphambili sokwazisa ngokubambisa imali mboleko, i-Euribor, okwangoku ikwi - 0,012%, emva kokuhlala kule minyaka ilishumi idlulileyo phakathi kwe-0,059% kunye ne-5,384%.
Ngokubhekisele kwiimveliso ezisisiseko zokonga (iidiphozithi, amanqaku ezithembiso zebhanki, njl. Phi abanakufane badlule kwi-0,50% yesithintelo, Ngaphandle kokuba kusetyenziswe iindlela ezithile ukwandisa inzuzo yayo (ukunxibelelana nezinye iiasethi zemali, ukubonelela abathengi abatsha okanye ukwenza ikhontrakthi kwezinye iimveliso).
Ukulingana kwemali
Enye i-asethi yezemali enovakalelo kutshintsho kumjikelo wemali e-United States yile ineemali njengezalathiso. Akumangalisi ukuba idola yaseMelika ixabise ngokubhekisele kwezinye iimali kwihlabathi liphela, kuba eli thuba litsha lamapolisa oqoqosho laqala. Kwaye ngaphandle kokuba ixabiso layo xa kuthelekiswa ne-euro lingene kancinane nge-2,80%, kwiinyanga zokuqala zalo nyaka.
Eyona ngxaki iphambili iya kuchaphazela uqoqosho olusakhulayo, njengoko kuyakufuneka bajongane nedola ebiza kakhulu, enokuthi ibenokuthoba ubunzima bokuvela kweenkampani zaseSpain ezinomdla kwiindawo ezithile (iBrazil, iMexico, iArgentina, njl. Nangona, kwelinye icala, iya kuphucula ibhalansi yeenkampani zaseYurophu (ISpanish) ngokuthumela kwabo ngaphandle. Ukubonakaliswa kwayo kwii-equities kuye kwavela kunye nohlengahlengiso kumaxabiso alo, ngokungqinelana nenyani yoqoqosho entsha.
Impembelelo yayo kutyalo-mali
Ewe imeko yemilinganiselo yenzala iya kuba nefuthe elibaluleke ngakumbi kwizikhundla ozivulayo kwizabelo. Kude kube kukunceda wenze okanye ulahlekelwe yimali kwiimarike zezemali. Akumangalisi ukuba yenye yezona zinto zichanekileyo zoqoqosho eziguqukayo kwintengiso yesitokhwe nangaliphi na ixesha kunye nemeko. Akufanele ubalibale ukuba ufuna ukwenza ukonga ngenzuzo kunye neziqinisekiso ezinkulu zempumelelo kuyo yonke imisebenzi yakho.
Ewe imeko efanelekileyo iya kwenzeka xa amaxabiso enzala ahlala esezantsi, njengoko imeko ikhoyo ngoku, ukusukela oko Izakuqhuba amaxabiso esitokhwe ezidweliswe kwii-equities. Isizathu kufuneka sifumaneke njengexabiso lemali enexabiso eliphantsi, iinkampani ezixhasa ngezimali zikufumana kuluncedo ngakumbi kwimidla yabo. Konke oku kudluliselwe kwindawo ebalaseleyo kwimigca yeshishini labo. Ngokuqhelekileyo zihambelana kunye nokunyuka okuphezulu kwiimarike zezemali.
Intshukumo echaseneyo, oko kukuthi, inzala ephezulu, ivelisa isiphumo esichaseneyo. Njengoko ixabiso lemali libiza kakhulu, iingxaki kwiinkampani zikhulu. Ngokwehla kwemida yayo yorhwebo kunye nokwandiswa kwamaxabiso ayo kwiimarike. Kuqhelekile ukuba bakhule Amaxesha e-bearish kwixabiso. Apho awona macandelo emarike esitokhwe achaphazelekayo ngalawo ahambelana neebhanki, amaqela ezemali kunye neenkampani zeinshurensi.
Ukusuka kule meko inqanaba lenzala elikhoyo, kuyacetyiswa kakhulu ukuba uthathe isikhundla xa amazinga wenzala esezantsi. Ngelixa ngokuchaseneyo, ngokuchaseneyo nexesha lokunikezelwa kwemali. Apho eyona nto isengqiqweni kukuba uninzi ulumke ngakumbi kuyo yonke intshukumo oyikhulisayo. Nangona kunjalo e-United States apho ezi meko zinempembelelo khona, awunako ukujongela phantsi iipanorama zamazinga wenzala kwilizwekazi elidala.
Ukuthengiswa kwestokhwe kule ndawo
Ukuba ufuna ukuthatha ithuba lokuvela kwexabiso lenzala, kwelinye icala nakwelinye iAtlantic, awuzukukhetha ngaphandle kokusebenzisa uthotho lwezikhokelo zokuziphatha ukuze ukwandise ukusebenza kwakho kwizabelo. Baza kukunceda ukuba uphucule izikhundla zakho, inokuba sesona siphumo sonyukayo kwintsebenzo yolondolozo lwakho ukusukela ngoku ukuya phambili: Ngaba uyafuna ukubalandela?
- Vary isicwangciso-mali sakho kuxhomekeke kwinkqubo apho amaqondo wenzala ahlala khona ngawo onke amaxesha.
- Ukuba kunyanzelekile kuya kukunceda uhambe UkuhlaziyaKancinci kancinci, ipotifoliyo yakho yokutyala ayise kweyona ndlela yotyalo mali ngalo lonke ixesha.
- Iintlanganiso ze abasemagunyeni kwezemali Iya kuba yiparameter elungileyo ukuba wenze isigqibo sakho, ngandlela thile.
- Los amaxesha aphindaphindeneyo yezoqoqosho lwamanye amazwe iya kuthi igqibe ngomgaqo-nkqubo wezemali weendawo eziphambili zamazwe aphuhlileyo.
- Unako fumanisa Inani elilungileyo leemveliso zezemali eziphuhliswe ngokukodwa ukujongana nemeko zenqanaba eliphezulu okanye eliphantsi lenzala.
- Ukwenza iphothifoliyo yakho yotyalo-mali, kuya kufuneka ukhumbule ukuba kukho inani amaxabiso abuthathaka ngakumbi kule migaqo-nkqubo yezemali. Wasebenzise ngawo onke amaxesha. Banokuba yimisebenzi enenzuzo kakhulu kwimidla yakho.