Baninzi abatyali zimali abancinci nabaphakathi abanento ethile uloyiko lokungena kwizabelo ngenxa yomngcipheko wokusebenza kwayo. Kodwa eyona nto iyinyani okwangoku kukuba olona tyalo mali lunengxaki lusebondini. Ukuya kwinqanaba lokuba ngaphezulu kwabahlalutyi bezemali abalumkisa ngento ebalulekileyo bubble kule asethi yezemali. Ukusuka kule meko, akusayi kubakho khetho ngaphandle kokunciphisa nakuphi na ukubekwa kule mveliso kuvela kwingeniso esisigxina.
Yimeko ephindaphindwe ngenani elandayo leengcali kwiimarike zezemali. Ukuza kuthi ga kwinqanaba lokuba babone kwiibhondi ingxaki enokuthi ikhokelele kubatyali mali kwiinyanga ezizayo. Kuba ngokwenene, ukuba kukho ingozi kwiimarike zezemali ngoku, akukho mathandabuzo ukuba ivela kwiibhondi. Kuyatshiwo ukuba kufanelekile ingxaki malunga nomnyaka omnye okanye emibini. Apho eyona nto ibaluleke kakhulu kubatyali mali abancinci nabaphakathi kukuba uqaphele oko kunokwenzeka. Ayothusi into yokuba imali eninzi isemngciphekweni.
Nkqu owayengusihlalo weFederal Reserve yaseMelika, Alan eluhlazaUcacile malunga nalo, ebonisa ukuba eyona ngxaki iphambili kwiimarike zezemali ayikho kwimarike yemasheya, kodwa yimali engenayo esisigxina. Kwelinye icala, uqinisekisile ukuba kuyakufuneka ukuba ulumke ngakumbi kwizikhundla ezithathwe ngabasindisi ngalo mzuzu xa ekugqibeleni amabhondi eqhuma. Isilumkiso esicacileyo koomatiloshe apho ungafumana khona isifundo esingaphezulu kwesinye kwizicwangciso onokuthi uzingenise kwezi zihlandlo zichanekileyo.
Ukuwa kwebhondi okunokwenzeka
Ewe, enye yengcambu zale ngxaki ilele kulondolozo lwenzala ephantsi kwixesha elide. Ukwenza imeko engazinzisi ngokwenyani kwiimarike zezemali kwaye oko kuya kubangela ukuba xa begqiba ekubeni banyuke baya kukwenza oko ngokukhawuleza kunesiqhelo. Into eqondwayo linani elilungileyo labahlalutyi beemarike ayithotyelwanga ngurhulumente. Ukuba kunokwenzeka nokuba kunokubakho Ukuwa ngexabiso lokwenyani leebond. Ngeziphumo ezibi kakhulu kubo bonke abatyali mali abanezikhundla ezivulekileyo kule asethi ebalulekileyo yemali.
Ukusuka kule meko ngokubanzi, ayinakulityalwa ukuba ii-equities zamanye amazwe zinokubandezeleka nangalo mzuzu. Nangona i-nuance ekufuneka icaciswe ngokufanelekileyo. Ayikho enye into ngaphandle kokuba abatyali mali baya kuba nakho ukuthethelela inyani yokugcina iasethi yezemali ixabiso elingaphantsi kakhulu. Ngale ndlela, imbonakalo yeemarike zamashishini ezingenanzala emisiweyo ibonakala ingekho ntlekele kangako ngokoluvo lotyalo-mali oluthe ngqo. Yinto ekufuneka ixatyisiwe ukusukela ngoku ukuya phambili ukuba ufuna ukuqesha imveliso ukwenza ulondolozo lube nenzuzo ngendlela efanelekileyo ngakumbi kwimidla yabatyali mali.
Phuma kwiimarike zesitokhwe
Ngayiphi na imeko, uluvo lwabahlalutyi abadumileyo bezezimali luya kwelinye icala. Oko kukuthi, ukuba le meko iyenzeka ngenene apho amaqondo wenzala aqala ukunyuka, eyona nto inengqondo yokwenza phuma engxoweni ngokukhawuleza. Kungenxa yokuba iziphumo zinokubangaphezulu kwizikhundla ezivulekileyo kwezi marike. Izilumkiso ezikule asethi yemali zenzeka kwimihla yokugqibela. Ukuya kwinqanaba lokujonga iibhondi eziyingozi ngalo mzuzu kunentengiso yemasheya ngokwayo okanye ezinye iindlela ezizezinye zobundlongondlongo obukhethekileyo kwimixholo yayo.
Ukusuka kolu luvo lubonelelwa ziimarike zemali ukusukela ngoku ukuya phambili, lixesha lokuba sibonise ukuba kwenzeka ntoni ngale mveliso yemali eneempawu ezikhethekileyo kubatyali mali abancinci nabaphakathi. Kuba enyanisweni, njengoko uAlan Greenspan ecacisa kumanqaku akhe akutshanje kumaphephandaba akhethekileyo, "eyona ngxaki iya kubakho xa imarike yebhondi iqhuma, njengoko inzala yexesha elide izokunyuka ”.
Kodwa iyaqhubeka nangakumbi ngokuqaphela ukuba babhekisa kwinqanaba lokuma okungazange kubonwe kwiminyaka edlulileyo nakwimashumi eminyaka. Ngokucaca okucacileyo nokuchaziweyo kwiiasethi ezahlukeneyo zezemali kwaye le meko ayizukulunga nakweyiphi na kuzo. Yimeko apho kuya kufuneka ucwangcise utyalomali lwakho ukusukela ngoku. Ayothusi into yokuba inokukuzisela isimanga esibi emva kokubuya kwiiholide. Ubuncinci yimeko ekufuneka uthembele kuyo ukuze ulawule ngokufanelekileyo ulondolozo oluqokelelwe ukuza kuthi ga ngoku.
Kufuneka wenze ntoni ngeebhondi ngoku?
Ewe kunjalo, kuya kufuneka uyithathele ingqalelo le meko intsha abahlalutyi bemarike yezemali belumkisa ngayo. Kuba ukuba kunjalo, awuzukukhetha ngaphandle kokuhlengahlengisa iphothifoliyo yakho yotyalo-mali, kodwa ngokungxamisekileyo. Kuba ukusukela ngoku ukuya phambili kunokubakho okungaphezulu kokulahlekileyo kunokuwina. Awuyi kuba nenye indlela ngaphandle Hlalutya apho utyalomali imali yakho kwaye uyihlengahlengise kwimeko entsha yoqoqosho enokuvela kwiinyanga ezimbalwa ezizayo.
Ukuze yonke into ikhule ngokuchanekileyo, akufuneki ushiye nantoni na ukuze iphuculwe. Akumangalisi ukuba ungalibali ukuba imali yakho ayikho ngaphantsi kwento esengozini. Uya kuyidinga ukucwangcisa kulo lonke utyalo-mali lwakho. Ayisiyiyo kuphela evela kumvuzo oguqukayo, kodwa nakwingeniso emiselweyo nakwezinye iindlela ezizezinye zotyalo-mali olusondelayo. Iya kuba sesona sicwangciso silungileyo onokuthi usisebenzise ukukhusela iiasethi zakho ngesiqinisekiso esikhulu sempumelelo. Kwaye yeyiphi indlela ebhetele yokwenza ngaphandle kokuqala ukuyiphuhlisa ngoku. Ngaba ukulungele ukuthatha eli nyathelo lokuqala?
Uyikhusela njani iminikelo yakho?
Ngayiphi na imeko, uthotho lwezikhokelo ekufuneka zilandelwe alusoze lwenzakalise. Kuba ngokwenyani, baya kuba luncedo kakhulu ekukhuseleni umdla wakho njengomtyali mali ophakathi nophakathi. Ukongeza, banokuncediswa nezinye iintshukumo ezongezelelweyo eziya kuthi zijolise kuzo phucula ukubuya ungafikelela kulondolozo lwakho. Kungenxa yokuba nakwezona meko zintle kwilizwe lemali kuhlala kukho amathuba eshishini. Kwaye kufuneka uzimisele ukwamkela le mingeni iveliswa ziimarike zemali ezahlukeneyo.
Ukuze konke oku kuzalisekiswe ngokuthembeka okukhulu, akukho nto ilunge ngaphezu kokungenisa ibhetri yeengcebiso ezincinci eziza kunika ukhuseleko olukhulu malunga nezikhundla ezivulekileyo kuyo nayiphi na iasethi yezemali. Kwaye oko kubonakala kwimigca yesenzo elandelayo esiza kukubhenca apha ngezantsi.
- Imalunga ukunciphisa ukubonakala kwakho kwiibhondi. Ukuba uyafuna, akufuneki ukuba ibe ye-radical, kodwa iqhubeke. Kude kube kufikelela kwinqanaba apho ubukho bezi mveliso zezezimali phantse bungabalulekanga. Okanye ubuncinci kubukho obuncinci kwiphothifoliyo yakho yotyalo-mali. Uya kuba ufumene ukhuseleko oluninzi ngokusetyenziswa kwesi sicwangciso sotyalo mali.
- Okwangoku, kunokuba yinzuzo ngakumbi, kwaye ukubonelela ngokhuseleko ngakumbi, Sinciphise ukonga kwimveliso eyahlukeneyo yengeniso eyahlukileyo. Kunqabile ukuba bahlakulele ukuwa okunzima njengoko bekuxelwe kwangaphambili ngabanye babahlalutyi abadumileyo kwiimarike zezemali. Nangona uhlala unolawulo oluphawulekayo kuyo yonke imisebenzi oyenzayo ukusukela ngoku.
- El ukubeka iliso kwiimarike zemali Kuya kufuneka ngoku iphelele ngakumbi kunakuqala kude kube ziinyanga ezimbalwa ezidlulileyo. Awunakulibala ukuba isantya sokusebenza siya kubaluleka kakhulu kwimidla yakho. Umahluko weeyure ezimbalwa unokuthetha isixa semali esibalulekileyo. Ungalahleka, kodwa ngokuchaseneyo unokuwina. Kufanelekile ukuba ulumke kakhulu uwahloniphe amaxesha.
- Lixesha elifanelekileyo kakhulu ukuba ulisebenzise amanyathelo okhuseleko. Kungenxa yokuba esiphelweni sosuku iya kuba ngabo abakukhupha ngaphezulu koloyiko olunokunikwa yimarike zezemali. Luhlobo olwahlukileyo kunye nendalo kwaye ngekhe kubize nantoni na ukuyenza. Ngokukodwa kwimeko yezoqoqosho njengokukhathazeka njengaleyo izayo. Ubuncinci ukusukela kunyaka olandelayo, ngokutsho kwabanye abahlalutyi.
- Elinye icebo elinokusetyenziswa kukufaka isicelo izihluzi zolwazi ezinamandla. Ukuze ngale ndlela esona sigqibo sigqibeleleyo singenziwa ngalo lonke ixesha. Nokuba kulula ukuhambisa imali ukonga kwezinye iimarike zezemali. Iya kuba yenye yezona zinto ziphumeleleyo xa ukuphuma kweyona meko imbi kuzo zonke.
- Kwelinye icala, uya kuhlala unayo ithuba lokuvala zonke okanye ezinye izikhundla evulekileyo kwiimarike zezemali. Ngokukodwa xa iimpawu abazinikayo ingezizo ezona zilungileyo zokuqhubeka notyalo mali. Inokuba sisizathu esifanelekileyo sokuphumla iinyanga ezimbalwa kulo msebenzi ukhethekileyo ozinikele kuwo.
- Okokugqibela, ayinakulityalwa nangaliphi na ixesha kwifayile ye- Ulwahlulo lotyalo-mali lwakho inokuhlala kwelinye lamaqhosha asebenzayo ukukhusela zonke izikhundla zakho. Ayinamsebenzi iarhente yezemali ekuthe kuyo imveliso yezemali ongene kwisivumelwano kuyo de kufike loo maxesha kanye. Kungenxa yokuba oku kukuphelisa ubungozi obungafunekiyo kuyo nayiphi na indlela yotyalo-mali.