Sisicwangciso esivumela abasebenzisi ukuba bafikelele kuluhlu olubanzi lweemodeli zotyalo-mali, kodwa kwimveliso enye yemali. Olukhetho lokwenyani lokukwazi ukusasaza utyalomali kwi Iimpahla ezahlukeneyo zemali, nkqu kwindalo echasene ngokupheleleyo. Ngenjongo, hayi kuphela yokuphucula inzuzo efanayo, kodwa ngaphezulu kwako konke ukukhusela ukonga ngaphezu kwayo yonke enye into. Ngokukodwa xa ukungazinzi kweemarike zezemali kuyinto eqhelekileyo kwizenzo zabo.
Ngale ndlela, ngokuqinisekileyo uya kuzibuza ukuba zeziphi iimveliso ezigcina ezi mpawu zikhethekileyo. Oko kukuthi, bavumela ukwahluka notyalo-mali. Ewe, okwangoku akukho mizekelo mininzi ineli phawu, kodwa ubuncinci kukho ezimbalwa ezikunika ithuba lokungenisa esi sicwangciso sotyalo-mali. Kule meko, i-ETF, mali mali kunye needipozithi ezinxulumene nokulingana zenza kubelula kubatyali mali ukuziqhelanisa nazo zonke iimarike zezemali. Kungalixesha lokuba uthathe isikhundla kwezinye zazo ukusukela ngoku.
Ngale ndlela, kwaye njengomzekelo, ingeniso esisigxina inokuncediswa nengeniso eyahlukileyo kwimveliso efanayo yemali. Elinye lawona matyala aziwa kakhulu limelwe yimali yotyalo-mali kwaye ngakumbi ngokukodwa iimali ezixubileyo ezikuvumela ukuba utyale imali kwiimpahla ezahlukileyo zemali ngaphandle kokutshintsha imveliso okanye imodeli yokonga. Ngale ndlela, ungonga imali ngakumbi ekubaphatheni. Zombini iikhomishini nakwiindleko zolondolozo lwazo ukuya kwinqanaba lokuba nee-euro ezingaphezulu minyaka le kwiakhawunti yakho yokujonga.
Ukwahlukahlukana kwimarike yemasheya, ngaba kunokwenzeka?
Ukuba kukho isicwangciso esibonelela ngokhuseleko olukhulu lotyalo-mali, ayikho enye into ngaphandle kokwahlukahlukana. Ngaba ngekhe kubengcono ukuvula iimarike ezintsha kunokuzinqanda ngokwakho kwinto enye, icandelo okanye isalathiso sesitokhwe? Le ngxaki isonjululwe nge ulawulo oluvulekileyo ngakumbi kwii-asethi eziyimali ekuvunyelwene ngazo. Ukuya kwinqanaba lokuba kwimveliso enye unokuvula izikhundla kwii-equities, ingeniso esisigxina okanye nakwezinye iimodeli ezivela kwiindawo ezahlukeneyo zoqoqosho zehlabathi. Oku kukusasazeka kutyalo-mali.
Ingxaki kubatyali mali ilele kwinto yokuba zimbalwa kakhulu iimveliso eziyaziyo indlela yokudibanisa ezi asethi zemali. Ayothusi into yokuba kude kube yiminyaka embalwa edlulileyo kukuba imodeli nganye yotyalo-mali igubungele imakethi ethile yezemali, nokuba injani na. Lo mkhwa utshintshile kakhulu kwaye okwangoku kunokwenzeka ukuba udibanise uninzi lwabo kwimveliso efanayo.
Yenza lula imisebenzi
Ngaphandle kwesidingo sokuba umsebenzisi aye kwahlukile iifomathi zotyalo-mali ukwanelisa iimfuno zakho. Ayizukuvumela kuphela ukuba uchithe ixesha elininzi ukhangela, kodwa iya kwandisa iikhomishini kunye neendleko zolawulo ezibandakanya ukuqesha kwakho. Ke ngoko lixesha lokufumanisa ukuba zeziphi na ezi mveliso zezezimali ezivumela ulawulo oluguquguqukayo lokonga.
Ngaphantsi kwezi mpawu, iimali zotyalo-mali zibonakala ngenxa yohlobo olukhethekileyo lweemodeli zazo. Ngokudityaniswa kwemali kuvunyelwe ukuba iphothifoliyo yotyalo-mali inakho lungelelanisa iprofayili yabanini bayo. Ngale ndlela, baya kuba nakho ukonyusa ukwenziwa kwabo ngengeniso esisigxina okanye ii-asethi eziyimali kwiprofayili yokuzikhusela. Okanye ngokuchaseneyo, phembelela ubulungisa ukumodareyitha iindlela ezinobundlongondlongo.
Izibonelelo zokwahluka
Enye yeenzuzo ezibonelelwe yile mveliso yemali yindidi yayo yokudibanisa iimodeli zotyalo-mali ezivela kwipotifoliyo enye. Umzekelo, izitokhwe, iimali, iibhondi, iziqinisekiso kunye nezivuno zeakhawunti zangoku. Akukho mda usikelwe umda malunga neenjongo ezilandelweyo yimali. Kwelinye icala, ukwahluka kwabo akuchaphazeli kuphela iiasethi zemali, kodwa kunye neendawo zejografi apho zidweliswe khona: indawo ye-euro, ekhulayo, yehlabathi jikelele, njl
Njengomphumo weempawu ezizodwa zale mveliso, umtyali mali onoburhalarhume uya kukhetha i-80% yokulingana kunye ne-20% eseleyo emiselweyo. Ngelixa iprofayile emodareyithayo iyakwahluka ngepesenti phantsi kwe- imeko eyahlukileyo, nkqu nokukhetha inxenye yolondolozo kwiimarike zemali. Zininzi iindlela onokukhetha kuzo ukuba ulandela esi sicwangciso sotyalo-mali, njengokwahluka kukonga okutyaliweyo. Ewe kunjalo, uninzi ngaphezulu kwezinye iinkqubo ezintsonkothileyo zotyalo-mali.
Ukukhetha iiNgxowa-mali eziThengiswayo
Ii-ETFs, ngokwenxalenye yazo, zisekela izindululo zazo kubhengezo lwehlabathi kumacandelo ngamacandelo okanye kwii-indices zesitokhwe, ngokuziphindaphinda imithombo yolwazi yee-asethi eziyimali. Kutheni ukhetha kuphela izabelo zenkampani enye xa unokugubungela ezininzi? Le yenye yeenjongo eziphambili zotshintshiselwano ngemali. Ngayiphi na imeko, enye yeempembelelo zayo kukuba umngcipheko wotyalo-mali kwindawo enye yokufumana imali uyakuncitshiswa. Into ekufuneka igcinwe engqondweni ukuba ufuna ukukhusela imali eyinkunzi etyalwe kulo msebenzi ngamnye.
Ukongeza, baveza izinto ezininzi ezahlukeneyo, kunye nendalo eyahlukileyo, iindlela ezizezinye ezinokwenza ukuba inzuzo yentsapho. Ibex 35, CAC 40, Dow Jones, zibophelelo, izinto eziluhlaza kunye nezinyithi ezixabisekileyo, phakathi kwezinye zezona zibalulekileyo. Kwelinye icala, ulwakhiwo lwayo sele luneendlela ezahlukeneyo njengoko iyimveliso yezemali edibanisa ukusebenza kwimarike yemasheya kunye neengxowa mali. Kuzo zonke iimeko, ikuvumela ukuba uthathe ithuba lokunyuka okuphezulu kwenxalenye enkulu yeeasethi zemali ezidweliswe kwiimarike. Kodwa ngaphandle kokukhetha indlela yotyalo-mali enye apho umngcipheko uphezulu.
Kwakhona iimveliso zemveli
Kwelinye icala, esi sicwangciso sinokufikelelwa kwiimveliso zebhanki zesiko. Yimeko ye idizithi yexesha idityaniswe namashishini. Nokuba kungobozi yezabelo okanye kwipotifoliyo yengxowa mali. Inenxalenye yengeniso esisigxina ethi iqinisekise imbuyekezo esisigxina kulondolozo, nangona iphantsi kweepesenti ezithile ezihambelana nexabiso lemali okwangoku.
Ngelixa intsalela- Oko kukuthi, leyo inxulumene nemarike yemasheya- yeyona ivumela isivuno ukuba siphuculwe ekukhuleni. Kodwa ngokungafaniyo nezinye iimveliso zezemali, ngaphandle kokuthatha naluphi na uhlobo lomngcipheko. Kuba kuzo zonke iimeko kuya kuhlala kukho ifayile ye- buyela kulondolozo. Ukuhanjiswa kwayo kulingana kuzo zombini iifomathi, isiqingatha kwimodeli nganye yotyalo-mali kwaye ngaphandle kokutshintsha kwayo. Yindlela yoqobo eyahlulahlula utyalomali ngaphandle kweengxaki ezigqithileyo kwaye inokufikelelwa yinxalenye elungileyo yabatyali mali abancinci nabaphakathi. Akumangalisi ukuba umngcipheko ulawulwa ngokwenyani kwaye kunzima kakhulu ukwenza ilahleko enkulu kakhulu, njengoko kusenzeka kwezinye iintlobo zeemveliso zezemali okanye zebhanki.
Izinto eziluncedo zesicelo sakho
Ewe kunjalo, ukwahluka kuzisa uthotho lwezibonelelo ekufuneka uzithathele ingqalelo ukusukela ngoku. Phakathi kwezinye izizathu, kuba iya kukunceda ukunciphisa iilahleko kwelona xesha lingathandekiyo kwiimarike ze-equity. Okanye nakwezotyalo-mali ziqwalaselwe njengezinye iindlela ezifuna ukhathalelo olukhulu kulawulo nasekugcinweni kwazo. Ngokusebenzisa ezi zikhokelo zilandelayo siza kuzenza kuwe apha ngezantsi.
- Yinkqubo esebenzayo kakhulu, nangona ingazukukwenza ukuba ube ngusozigidi, kodwa ke iya kukukhusela ubuncinci kuyo uninzi lweemeko ezisemngciphekweni kwiimarike zezabelo. Umzekelo, yenzekile kwelona xesha linzima lobunzima kwezoqoqosho, ngo-2007 nango-2008.
- Ikuvumela ukuba utyale imali kwii-asethi ezininzi zemali ngaxeshanye kwaye ngaphandle kokuyeka nayiphi na indlela yotyalo-mali. Ngaphandle koko, uya kuba nokufikelela okunzima ngakumbi ukwenza iasethi yobuqu okanye yosapho ibe nenzuzo. Isicwangciso-qhinga sotyalo-mali esilungiselelwe kuzo zonke iiprofayili zomsebenzisi. Ukusuka kwezona zinoburharha kukhuseleko okanye kulondolozo, ngaphandle komda.
- Ulwahlulo luyacetyiswa ngokuqhubekayo ngabahlalutyi bezemali kwihlabathi liphela ababona imodeli elungileyo kakhulu kuwe zifezekise iinjongo zakho ngendlela ekhuselekileyo nesebenzayo. Ngaphezulu kokuthathelwa ingqalelo kwezobuchwephesha kwaye mhlawumbi nakwindawo yokujonga esisiseko.
- Ngesicelo sayo awuncami nantoni na kwihlabathi lotyalo-mali. Ukuba akunjalo, ngokuchaseneyo, unokuzivulela ngokwakho amathuba amatsha eshishini ezingakhange zihlolwe nguwe. Zombini ngokwee-equity kunye nengeniso esisigxina okanye kwanakwezinye iifomathi ezizezinye.
- Le modeli yotyalo-mali inokusetyenziswa kwi nayiphi na imeko yezoqoqosho, nokuba yayiyintoni na. Njengenzuzo enkulu onokuyingenisa kuyilo lotyalo-mali lwakho kwezi zihlandlo zichanekileyo. Uluhlu olubanzi lwendibaniselwano onokuzisebenzisa ngexesha ocinga ukuba lifanelekile kwaye zinokukwenza ukuba uphucule izikhundla ezivulekileyo kwiimarike.