Ukukhetha ixesha lonyaka lokutyala imali kwimarike yemasheya yenye yemiba ekufuneka sizibekele yona ukuze senze imisebenzi enenzuzo kwimarike yemasheya enkulu iziqinisekiso zempumelelo. Kungenxa yokuba kusenokubakho umkhuba omiselwe kwangaphambili wokuthengisa okanye wokuthenga uxinzelelo. Lo ngumba onokuqinisekiswa ngokwembali ngothotho lweekowuti zamashumi eminyaka adlulileyo. Ngokukodwa, ukusukela ngo-1946 xa iimarike zezemali zafikelela kubatyali zimali abancinci nabaphakathi ngendlela enkulu kwaye benofikelelo olupheleleyo kwizikhundla zabo.
Kuqinisekisiwe ngokuhlalutya ukuba kukho iinyanga ezimbalwa ngaphezulu kwenye ezinomdla wokuvula izikhundla kwaye ngokuchaseneyo nokufumana ubutyebi phambi kwe yehla lotshintshiselwano lwesitokhwe kuzwelonke nakwamanye amazwe. Ukwazi ukuba ungawukhetha njani umhla wonyaka kwezi ntshukumo kunokuthetha ukuba kuninzi ngee-euro ekusebenzeni kwaye ke kufanelekile ukuba sifunde le nto enokusenza ukuba senze utyalo-mali lube ngcono kakhulu ukusukela ngoku.
Le nto ibaluleke kakhulu kwiimarike zezemali kangangokuba uninzi lwabahlalutyi bezemali baphuhlisa iindlela zabo zotyalo-mali ngokusekwe kwezi paramitha zikhethekileyo. Kungenxa yokuba esiphelweni sayo kukuphepha iimeko ezingafunekiyo kwicala labatyali mali abancinci nabaphakathi. Njengomzekelo, banako khotyokiswa kwisitokhwe esikhethiweyo. Oko kukuthi, ngamaxabiso adwelisiweyo asuswe kude kumaxabiso okuthenga. Ukuza kuthi ga kwinqanaba lokuba abayi kuba nakho ukwenza ipotifoliyo yabo yotyalo mali ngaphandle kokuba bathengise izabelo kwaye balahlekelwe yimali eninzi kwimisebenzi eqhutywa kwiimarike zezabelo.
Leliphi elona xesha lilungileyo lokutyala imali?
Lo ngumbuzo ophambili kubatyali mali abafuna ukwenza umsebenzi ongaqhelekanga kwiimarike zezemali. Ukusuka kule ndlela ikhethekileyo kakhulu akukho mathandabuzo ukuba kukho iinyanga ezithile apho kukho iziqinisekiso ezinkulu zempumelelo ukwenziwa ngokusesikweni kokuthengwa kwezokhuseleko. Kuba ngokusebenza, ukuthenga izabelo kwiinyanga zokuqala zonyaka akufani nokwenza ngokusemthethweni ehlobo. Ukuziphatha kweemarike zezemali kwahluke kakhulu kwaye kungaphaya kwendlela enokuthi ikhule kuyo. Isicwangciso seengqondo kodwa ngaphandle kwamathandabuzo kufuneka sithathelwe ingqalelo xa sikhetha utyalomali lwethu.
Ngelixa kwelinye icala, kuyimfuneko ukuqikelela ukuba ziirali ezivuselelweyo ezenziwa kwezinye iinyanga zonyaka. Umzekelo, irally eyaziwayo yeKrisimesi apho izihloko zihlala zixatyiswa malunga ne-5% okanye i-10% ngokomndilili kwaye lixesha eliluncedo kakhulu ukuvula izikhundla. Kungenxa yokuba maninzi amathuba okuba ekugqibeleni sibe nemali eninzi kwiakhawunti yethu yokonga ngenxa yolu loyiso kwizikhundla ezixhasayo kwaye singayisebenzisa le meko ngaphandle kwengxaki okanye ngesidingo sokubonelela ngenkcubeko enkulu yezemali.
Amaxesha okuphumla ayingozi kakhulu
Enye into ekufuneka batyale kuyo abatyali mali ukusukela ngoku kukuba umngcipheko uhlala ukho ngakumbi ngexesha leholide. Isizathu esilula kakhulu sokuchaza kwaye kungenxa yokuba umthamo wokuqeshwa uyehla ngamandla amakhulu. Ngokwenyani oku kuthetha ukuba ukuguquguquka Kwixabiso lihlala libonakala ngakumbi. Ukuya kwinqanaba lokuba ngokhuselo oluncinci kakhulu ungahambela kwixabiso lentengiso, ngandlela ithile okanye enye. Umahluko ophawuleka ngakumbi phakathi kwamaxabiso aphezulu kunye neyona isezantsi kwaye unokufikelela kukwahluka kufutshane ne-10% kwaye kwezinye iimeko kungaphezulu kunezi paramitha zibonisa.
Ngomnye umthambo, i iinyanga zasehlotyeni Sisizathu esihle sokurhoxisa izikhundla kwaye ukonwabele ukutyeba ngeholide kunye nosapho okanye abahlobo abasenyongweni. Liqhinga eliluncedo kakhulu kubatyali mali abancinci nabaphakathi abanokufunda okuncinci kolu hlobo lokusebenza kwiimarike zezemali. Kuba kunyanzelekile ukuba uthathe ingqalelo ukusukela ngoku ukuya phambili ukuba akuyomfuneko ukuba utyalomali kuzo zonke iinyanga zonyaka. Hayi kangako. Ukuba akunjalo, ngokuchaseneyo, kuyacetyiswa ngakumbi ukuba ukhethe ngakumbi ekukhetheni imihla yotyalo-mali. Kuba kunokubakho umohluko omkhulu kwii-euro phakathi kwesinye okanye esinye isicwangciso sotyalo-mali.
Kwelinye icala, akukho mntu unokumangaliswa kukuba ezinye iinyanga zonyusa kakhulu (okanye zi-bearish) kunezinye. Oku kuyinyani ebonakalisiweyo kuyo yonke imbali yentengiso yesitokhwe. Kwaye ke, ungasebenzisa eli thuba libonelelwe ziimarike zezabelo. Apho eyona nto ibalulekileyo ngeli xesha kukuyichonga ngokuchanekileyo ukwenza imisebenzi kwimarike yemasheya. Zombini ukuvula nokuvala izikhundla ngokomthetho kunye nesithembiso ekuthengweni nasekuthengisweni kwezokhuseleko kwezi asethi zemali, leyo emva kwayo yonke into ebandakanyekileyo kula matyala.
Ixesha lonyaka: eyona mihla ilungileyo
Ezinye zezi ndlela zokuthenga izitokhwe kwimarike yemasheya zinokusebenza kakhulu kwimidla yethu kwicandelo lotyalo-mali. Ukufikelela kwinqanaba lokuba kungathatha isigqibo sokuqhuba imisebenzi yokuthenga kunye nokuthengisa kuxhomekeke kumhla, inyanga okanye ixesha lonyaka. Ngokumalunga neliphi elona xesha lilungileyo lenyanga lokwenza ukuba le misebenzi ibe semthethweni, zininzi iindlela esinokuthi sizisebenzise ukusukela ngoku ukuya phambili ukuze senze imisebenzi yethu kwintengiso yemasheya ibe yinzuzo.
Ngaphakathi komhla wenyanga, kufanele kuqatshelwe ukuba amaxabiso ezokhuseleko ahlala ekho layisha iintsuku zokuqala zenyanga nganye. Ke, ukuba ithengiwe kwiveki ephelileyo kwinyanga ephelileyo kwaye ithengisiwe kwiveki yokuqala yenyanga elandelayo, umtyali-mali unamathuba amaninzi okwenza inzuzo kutyalo-mali lwakhe ngexesha elincinci kwaye, ngendlela elula ukwenza lo mkhuba. Ewe, esi sicwangciso asiqinisekanga, kodwa senziwa ngesiqhelo, njengoko kunokubonwa kuthotho lwembali yamaxabiso esitokhwe esitokhwe.
Kwiveki enye
Ngokumalunga neentsuku zeveki apho le misebenzi inokwenziwa kwimarike yezemali, kufanele kuqatshelwe ukuba ngooLwezibini, NgoLwesithathu nangooLwezine, ngokubanzi, bazinzile, ngaphandle kokwehla okukhulu. Ngelixa ngokuchaseneyo, ngeMivulo banobungqina obucacileyo be-bearish kwaye ngolwesiHlanu, onamandla. Kowokuqala kubo kuba balindile iya kuvulwa njani isitalato kwaye, usuku lokugqibela lweseshoni yokurhweba, kuba kuhlala kukho iintshukumo kwicala labarhwebi ngaphambi kwempelaveki. Kukwakho nomkhwa wokuba ngeempela-veki kukho utyekelo lokuba kugcinwe imali kwiakhawunti yethu yokonga. Esi sesona sizathu siphambili sokuba kuthengiswe kade ngoLwesihlanu.
Nangona kunjalo, ngandlela thile Kuxhomekeke kuhlobo oluqhelekileyo lweemarike ingeniso eguquguqukayo. Oko kukuthi, ezi ndlela zokuziphatha ziya kuxhomekeka ekubeni imeko leyo ekugqibeleni iyanyusa, ayinyani okanye ayithathi cala. Ukudityaniswa kwazo zonke ezi paramitha kuya kugqiba ukuthenga okanye ukuthengisa uxinzelelo kwinxalenye yabatyali mali abancinci nabaphakathi. Ngale ndlela, kwaye ungaphazami, ziintshukumo ezixhomekeke kwizinto ezininzi ezahlukileyo kwindalo. Kodwa nokuba yeyiphi na imeko, banokusinika isikhokelo malunga nokuziphatha kwethu kwezi marike zezimali.
NgoJanuwari inyanga ephezulu kakhulu
UJanuwari wenzelwe abahlalutyi abaninzi, inyanga yokuqala yonyaka kwaye kubonisa okuza kwenzeka unyaka wonke. Ngapha koko, bathathela ingqalelo ukuba imeko yentengiso kwiintsuku ezintlanu zokuqala zale nyanga inokugqitywa de kuphele unyaka. Ngaloo mihla, ibhegi idla ngokuba njalo ngaphezulu kwe-bullish kune-bearishKuba abaphathi bengxowa-mali, ngabo abenza ukuba iimarike zihambe, batyale imali eninzi abanayo, kuba, njengokuba kunjalo ekuqaleni konyaka, ukuba benze impazamo, banexesha lokulungisa.
Ngenxa yezi zizathu, isenokuba yinyanga entle kakhulu yokuphucula ukuthengwa kwethu kwiimarike zezabelo. Ngenjongo yokurhoxisa izikhundla phambi kokuphela kwekota yesibini yonyaka. Sisicwangciso sotyalo-mali esingafane siphumelele kwaye sinokufaka isicelo ngaphandle komngcipheko ogqithileyo ekusebenzeni.
Ngokwembali, bekubonakalisiwe ukuba kulenyanga yonyaka uxinzelelo lokuthenga lubeka ukucaca okuthile kumthengisi kwaye ke ngoko sinokuyisebenzisa le meko ixhaphakileyo kule minyaka idlulileyo. Ingakumbi ukuba umba wobuchwephesha bezokhuseleko ezichaphazelekayo ulunge kakhulu ekuthatheni isikhundla. Njengotyekelo olucacileyo lokugcinwa kugcinwa. Ziimpawu eziza kusixelela ukuba ngu ixesha lokuthatha izikhundla kwiimarike zezabelo.