Ewe kunjalo, u-2018 awunguwo unyaka olula kakhulu ukufezekisa imbuyekezo efanelekileyo kulondolozo. Ngaba iimveliso zobomi bakho kwezona marike zemali zixhaphakileyo okanye izindululo ezinokuyilwa njengezemali ezikhoyo? Lo ngomnye wemibuzo emininzi abatyali mali abancinci nabaphakathi abazibuza yona malunga nemeko yabo yokwenyani zemali. Nangona kunjalo, kukho amaqhosha afanelekileyo anokukunceda ukhethe enye okanye enye imodeli yotyalo-mali. Ngaphaya kweprofayili oyibonisayo njengabasebenzisi abakolu didi lweemveliso zemali.
Iimodeli ezahlukeneyo zotyalo-mali zilungelelaniswa nomzuzu ngamnye wokudibana kwaye apho kuya kufuneka ukuba wazi izinto ezithile kuhlobo ngalunye lotyalo-mali. Hayi lilize, kuya kuba yimfuneko hlalutya amathuba ukuba iimarike zezimali zikubonisa kwaye kutheni kungenjalo, ngokunjalo izoyikiso ngeli xesha langoku. Kuzo zombini ezi paramitha uya kuba nakho ukubona ukuba yeyiphi imveliso ekulungeleyo. Ukuya kuthi ga kwinqanaba lokuba ubekwimeko engcono yokwenza iiasethi zibe nenzuzo kulo nyaka.
Ewe kunjalo, ukuba ufuna ngenene ukuphucula ukusebenza kwemisebenzi yakho, akufuneki uzilinganisele kuphela kwii-equities okanye kwingeniso esisigxina. Ukuba akunjalo, kufanele ntoni vula kwiimarike ezintsha ezemali apho unokufumana ithuba lokufezekisa inzuzo yamaphupha akho. Nangona kukwixabiso lokuthatha umngcipheko ngakumbi kwiintshukumo ozivulayo ukusukela ngoku. Yinto ekufuneka usoloko uyibala ukuba ufuna ukuba namabhongo ngakumbi kwiminqweno yakho kubudlelwane bakho nelizwe elihlala linzima lemali. Ngaba uyafuna ukwazi ukuba zeziphi izindululo ekufuneka uziphumezile ezi njongo zifunwayo? Ewe nikela ingqalelo encinci kuba siza kukubonisa umbono wakho onokuba luncedo kwiinyanga ezizayo.
Inzuzo: ingeniso esisigxina okanye eyahlukileyo?
Yiyo ingxaki engapheliyo yokuba abatyali mali abancinci nabaphakathi banayo. Ngale ndlela, khetha i ibhegi yaseYurophu Inokuba linyathelo elifanelekileyo lokukunceda ujonge le minqweno. Nangona kunjalo, ikota yokuqala yonyaka khange ibe njengoko bekulindelwe ngabanye babahlalutyi bezemali. Ukuya kwinqanaba lokuba uninzi lwee-indices zesitokhwe zihamba kumhlaba ongalunganga. Umzekelo, Ibex 35 eshiya phantse iipesenti ezili-10 kwiinyanga ezintathu zokuqala zonyaka. Ngayiphi na imeko, yenye indlela enokunika ukubuya okuhle kulo nyaka. Nangona oku, awuzukukhetha ngaphandle kokukhetha ngakumbi kunakuqala ekukhetheni amaxabiso esitokhwe esitokhwe.
Ngokumalunga nengeniso esisigxina, yonke into iya kuxhomekeka kwi umgaqo-mali yenziwa ziibhanki ezingoovimba zommandla ngamnye wezoqoqosho ophambili. Ngale ndlela, yonke into ibonisa ukuba lo msebenzi uya kuphawulwa ngokuphela komgaqo-nkqubo wolwandiso lwe-European Central Bank (ECB). Kwaye ke ukunyuka kwamazinga enzala kunokuchaphazela iimarike zengeniso emiselweyo. Kodwa ngayiphi ingqiqo? Ewe, ilula kakhulu kwaye ukuba amaxabiso ayenyuka, ixabiso leebhondi liyehla. Ukuya kuthi ga kwimeko apho iimeko ezithile zinokuveliswa khona apho inzuzo inokuba ngcono kunakwizabelo okanye ngokuchaseneyo.
Iimarike zemali: umngcipheko ongaphezulu
Alithandabuzeki elokuba yimarike yemali ephezulu yomngcipheko ephawulwa ngotshintsho oluqhubekayo kwixabiso phakathi kweemali eziphambili zehlabathi. Apho ifayile ye- ukuguquguquka lelona liqhelekileyo kwiintshukumo zabo. Njengakwiimarike ezimbalwa zezemali kuyenzeka. Kodwa kwangaxeshanye kukuvelisa ukuba ungafezekisa ukubuya okuphezulu kwimisebenzi yokuvula kwezi marike zikhethekileyo. Nangona kunjalo, imarike yotshintshiselwano lwangaphandle ayikhuthazwa ukuba isebenze phakathi okanye ixesha elide. Kodwa endaweni yoko kuchasene nokuhamba ngokukhawuleza apho unokufumana inzuzo enkulu. Okanye mhlawumbi ulahlekelwe yinxalenye elungileyo yotyalo-mali lwakho.
Ingxaki ephambili ojamelene nayo kolu hlobo lomsebenzi kukuba ufuna i kufunda ukuhamba ezi marike. Ayifani nokuthenga kunye nokuthengisa izabelo kwimarike yemasheya, kodwa yahlukile. Ukuba ayisiyiyo imeko yakho, kuya kuba ngcono ukhethe ezinye iindlela ezonelisayo ngakumbi kwiminqweno yakho. Le asethi yemali ifuna iprofayile echazwe kakuhle ukuba awufuni ukwenza impazamo engaqhelekanga ekhokelela kwiimeko ezingafunekiyo njengomtyali mali ophakathi nophakathi.
Uninzi lotyalo-mali
Ngaphakathi kweli qela kudityaniswe iindlela ezahlukeneyo zokuqonda utyalomali. Apho iimali mboleko phakathi kwabantu okanye ukuthengwa kwezindlu nomhlaba kunokubonisa elona thuba lihle lokufumana eyona mbuyekezo. Ukusuka kule meko ngokubanzi, oko kubizwa ngokuba yi-P2P yeyona ndlela ilungileyo yokufumana inzala minyaka le ngendlela enenzuzo, ekhuselekileyo kunye nokubaluleke ngakumbi okulungisiweyo. Ukuya kwinqanaba lokuba ukwazi igqithe kwinqanaba le-5%, Ipesenti ezo iimveliso zebhanki ezohlukileyo zingafikeleli kuyo nayiphi na imeko.
Ayibalulekanga kangako kutyalo-mali kukuthengwa kwezindlu nomhlaba. Iklasikhi ukuba abatyali mali baphendukele kuyo phucula umdla wotyalo-mali lwakho. Ayothusi into yokuba ukwimeko yokuthatha ithuba lokunyuka kwezindlu kunye nomhlaba kwiinyanga ezidlulileyo. Kwelinye icala, awungekhe ulibale ukuba zenza isicwangciso esifanelekileyo sokukhusela imali kunye nokuvelisa inzuzo yexesha elide. Njengabanye babatyali mali abaphuhlayo abathi babone kwisitena isisombululo seengxaki zabo zokufumana imali okanye inzuzo.
Umkhwa wokugqibela: ii-cryptocurrensets
Yeyona fever yamva nje yotyalomali kodwa inemingcipheko ephezulu kakhulu ekunganyamezelwa kubo bonke abatyali mali. Nangona kunjalo, kufanelekile ukuba uqaphele ukuba sesona sicwangciso sotyalomali singazinzanga nesingakhuselekanga onaso ngalo mzuzu kuba ayinamgaqo. Unokufumana i-100% yotyalo-mali, kodwa ngendlela efanayo ikushiyele imali elinganayo apha endleleni. Kuyimpazamo enkulu ukuba utyale imali eninzi kwezinye zeemali ezibonakalayo zezi mpawu. Ukuza kuthi ga kwinqanaba lokuba ufumane okothusayo okungalunganga.
Yenzelwe intshukumo kwiimarike ezimbi kakhulu kwaye ibonakaliswa Imivuzo ayibambeki. Akufanele uhanjiswe ngolu hlobo lotyalo-mali ngenxa yokuba luyimfashini, njengoko ibhola lingenza izinto ezinokuchaphazela kakhulu izikhundla kule marike ye-atypical and innovative. Ewe kunjalo, ayikhuthazwanga iprofayili yotyalo mali. Kuba kunjalo ungaphulukana nemali eninzi ukusukela ngoku. Ungalibali ukuba awufuni ukwenza iimpazamo ezinkulu.
Ukunyuka kweemarike zeshishini
Ngenye yezinto onokukhetha kuzo kulo nyaka, nangona kunjalo Ukusuka kwiindlela ezahlukeneyo. Apho ukubakho kotyalo-mali kwiinkampani ezintsha lukhetho lokwenyani ekufuneka ulwenzile ekuphuculeni indlela osebenza ngayo umsebenzi wakho. Kwelinye icala, ungathenga izabelo zamazwe aphesheya ezihlala zibonelela ngemali. Ngayiphi na imeko, ludidi lwemisebenzi olunzima kakhulu kwaye olunokukwenza ukuba ulumke kakhulu. Kungenxa yokuba umngcipheko uphezulu kunezinye iindlela eziqhelekileyo zotyalo-mali.
Kwelinye icala, ezi ntlobo zokubheja zifuna uqeqesho lweshishini oluqinileyo ongenakukuqokelela kuzo zonke iimeko. Le nto iyenza ukuba ingabi ngumzekelo kubo nabaphi na abatyali mali abancinci nabaphakathi. Nangona ukwenza inzuzo kunokukunceda kwimidla yakho, kwaye kungcono kunakwimveliso yengeniso esisigxina okanye eyahlukileyo. Le yeyona nto iphambili ekukhetheni le modeli yotyalo-mali.
Iya kuhlala ikhona igolide
Njengokhetho lokugqibela, isinyithi esimthubi sihlala sikhona, esenza njengexabiso lemveli lokubalekela kwezona meko zingathandekiyo kwiimarike zemali. Awunakulibala ukuba inzuzo yayo kulo nyaka ingaphezulu kwe-10%, ngokunyuka okuphezulu okunokuqhubeka nonyaka wonke. Kodwa kwelinye icala, kuya kufuneka ukhumbule ukuba i ukunyuka kwezinga yi-United States Federal Reserve (FED) kunye nokunyuka kwexabiso ledola yaseMelika kunganyanzela ukwehla koxinzelelo kumaxabiso akhuselekileyo ngokugqwesa.
Sisiphakamiso sotyalo-mali esiguqulelwe kuzo zonke iimfuno. Phakathi kwezinye izizathu zokuba ungathenga igolide ebonakalayo okanye ngokuchaseneyo ngendlela ebonakalayo. Ngeempawu zemodeli nganye yotyalo-mali. Njengolunye utyalo-mali lwemveli, ngakumbi xa iimarike zezemali zamashishini ezingenanzala emisiweyo zingahambi kwelona xesha lilungileyo. Apho indawo enkulu yobutyebi behlabathi isabela ekwenzeni iiasethi zabo zabucala zibe nenzuzo.
Kungenxa yokuba inokufezekisa umlinganiso wenzuzo onomdla wokuba ngamanye amaxesha unokufikelela kwinqanaba ukuya kuthi ga kwiipesenti ezingama-50, okanye nangaphezulu. Njengazo zonke izinyithi ezixabisekileyo ezinje isilivere, ipalladium okanye iplatinam, phakathi kwezinye zazo. Unokuyisekela ubuncinci iphothifoliyo yakho yotyalo-mali kule asethi yezemali ekhethekileyo kwaye enenzuzo.