Iibhanki eziphambili zaseKhanada, eJapan. INgilane, iSwitzerland, iUnited States Federal Reserve kunye ne-European Central Bank zibhengeze ukumiselwa kwamanyathelo alungelelanisiweyo ngabo bonke ukubonelela ukuthengiswa kwemali ngokutshintsha kwedola Kwinto emele ukusebenza ngokudibeneyo kokuthintela ingxaki yokusasazeka kwe-coronavirus ekusasazeni kuqoqosho lwehlabathi. Kodwa nalo manyathelo awakhange abathobe abatyali mali kwaphela kwinqanaba lokuba iimarike zokulingana ziye zawa ngoMvulo oMnyama nge-avareji ye-8%.
Ukuthengwa kweeasethi phakathi kweebhondi ezizimeleyo kunye neearhente zomdibaniso ezinesiqinisekiso semali mboleko ngelixa unciphisa ixabiso lemali ukuya kuthi ga kwiipesenti ezingama-0 ukusuka kwi-1% kunye ne-1.25% apho ibikhona ukuza kuthi ga ngoku. Kodwa ngaphandle kokuqalisa ukusebenza, njengoko ikamva libonakalisile kuthengiso lwesitokhwe kumacala omabini eAtlantic. Ukuza kuthi ga kwinqanaba lokuba ii-equities zase-US kuye kwanyanzeleka ukuba ziyeke ukurhweba kweliphi ixesha lesithathu ukwenziwa kwale milinganiselo. Ngayiphi na imeko, into abavumayo ngayo bonke abahlalutyi bezemali kukuba iimarike zentengiso zaphukile kwaye azihoyi kuyo nayiphi na inkxaso efanelekileyo.
Kwelinye icala, ukuchitheka kwemali yepenshini kunye notyalo-mali ilahleko zihamba kuluhlu olushukumayo phakathi kwe-5% kunye ne-10% Ngokusekwe kwiiasethi zemali ezenza ipotifoliyo yotyalo-mali. Yeyiphi eyona meko imbi kulondolozo kunye notyalo mali kwiminyaka emininzi kunye nemininzi. Ayimangalisi into yokuba amanye amajelo eendaba athelekisa le meko kunye nezoKuDodobala Kwezoqoqosho ngo-1929. Ngaphezulu kokudodobala kwezoqoqosho okwenzeka nje kwisithuba seminyaka elishumi eyadlulayo. Sonke sihlwempuzekile kunasekupheleni kukaFebruwari.
Iimpazamo zomsebenzisi
Abatyalomali abancinci nabaphakathi baphulukana nemali eninzi kwisithuba esifutshane kangaka. Okubi kakhulu, inye into esinokuyenza kula manqanaba kukufunda kwiimpazamo esizenzileyo. Ukuze emva kweenyanga ezimbalwa le meko ingaze iphinde yenzeke. Ngale ndlela, enye yezona mpazamo zinkulu ezenziwe ngabatyali zimali abancinci nabaphakathi kukungatyala imali yabo phantsi kwe Isicwangciso sexabiso. Oku kuthetha ukuba ezi ntlobo zokhuseleko zizinzile kwaye ngokubanzi ziphuhlisa ishishini labo kumacandelo aqolileyo anezithintelo ezinamandla zokungena. Sithetha ngeenkampani zamacandelo okuzikhusela anje ngombane okanye azinikele ekusetyenzisweni okungahambelani nomjikelo: amayeza, ukutya ... Umzekelo, iiasethi zemali ezinje nge-Endesa, i-Ebro, njl.
Isiphumo sesi sicwangciso sisekwe kwimpazamo eyenziweyo xa kuthengiswa kukhuseleko olucingelwayo. Oko kukuthi, ekugqibeleni banokuvelisa ilahleko enomdla kuzo zonke iintlobo zeemeko kwiimarike ze-equity. Nokuba sesichengeni sokuba bangonakala kwaye bayishiye yonke imali abatyala kuyo. Akunakulityalwa ukuba olu didi lotyalo-mali aluqwalaselwanga njalo, kodwa endaweni yoko lujolise kwimisebenzi ecingelwayo ecacileyo. Kwaye kwezi meko zangoku kunokuba yimpazamo enkulu ukungena kwizikhundla zabo, nokuba amaxabiso abo aphantsi kangakanani kwiimarike zezemali.
Musa ukuya ngokuchasene nomsinga
Akukho nto inenzuzo encinci kunokuba uhambe ngokuchasene nemeko yeemarike zezabelo. Ngale ndlela, kufuneka kukhunjulwe ukuba kuya kufuneka uhlale unazo ezi mpawu ze-asethi zemali. Kwaye ke, kwi amaxesha okuphumla Akusayi kubakho khetho ngaphandle kokuba kwinqanaba lokuhlawula amatyala ukuze bonke abatyali zimali abancinci nabaphakathi bahlangane nabo ngoku. Ayizukunika uxolo ngakumbi lwengqondo ukusukela ngoku ukuya phambili kwaye sinokusebenzisa amathuba okwenene eshishini. Endaweni yoko, sinokuxhamla kumaxabiso akhuphisanayo kunangoku. Kwaye esi sisifundo ekuza kufuneka sisifunde kwezi ziganeko sijamelana nazo.
Ungaze umyinge uphantsi
Amaxesha amaninzi isikhundla esibi seepotifoliyo zethu zokhuselo sibangelwa kukuvela kweemarike, kule meko ibambekayo, kodwa kuyinyani ukuba kwezinye zivela kwiimpazamo zethu. Kwaye enye yezona zinto zibaluleke kakhulu kukulinganisa kwaye yinto eyenzelwa ngabatyali mali abancinci nabaphakathi thintela ilahleko yakho. Akumangalisi ukuba abanye abatyali mali xa belahlekelwa yimali kwimarike yemasheya bakhetha ukusebenzisa esi sicwangciso sokunciphisa ilahleko yabo. Kwaye ekuphela kwento abaya kuyiphumeza kukuzama ukukhubazeka kwabo sele benamandla amakhulu okuphulukana nezikhundla zabo kwaye oko kunokuba phezulu kakhulu kunesiqhelo.
Ngelixa kwelinye icala, enye yeempazamo ezenziwa ngabatyali zimali abancinci nabaphakathi ungxame kwizigqibo zakho kwaye oko kungakhokelela kwimeko engafunekiyo. Ngale ndlela, ngaphambi kokwenza isigqibo kuyacetyiswa ukuba umhlalutyi wezemali okanye wemarike yemasheya asincede ukuhambisa utyalomali lwethu ngenxa yesi sicwangciso sotyalo mali. Kungenxa yokuba ekupheleni kosuku, abasebenzisi abanayo yonke idatha yokwazi eyona nto ibalungeleyo ngexesha elithile. Ayifanele ilibale ukuba le profayile yeengcali ikhona ukucebisa abathengi bayo kwaye kwiimeko ezininzi simahla kwaye ngaphandle kweendleko zoqoqosho kubasebenzisi bebhanki.
Ukungabinamonde kumaxesha abekiweyo
Alithandabuzeki elokuba imeko yengqondo yenye into emisela ukuthintela ukwenza iimpazamo kutyalo-mali ukusukela ngoku. Ngokumalunga nalo mba, kufanele kuqatshelwe ukuba kuhlala kungcono ukulinda ukusebenza okungalunganga kwaye le yinto ekufuneka uyifundile ukuze imeko ohamba kuyo ingadluli kuwe ngalo mzuzu ungqo. Kuya kufuneka ukhumbule ukuba akukho mntu unyanzela ukuba uthathe izithuba kuzo zonke iinyanga zonyaka. Hayi kangako. Ukuya kwinqanaba lokuba kufuneka ukhethe ngakumbi kwisigqibo kunangaphambili kuba yintoni malunga nesiphelo gcina imali oyongileyo ngaphezulu kwezinye iintlobo zokuqwalaselwa kobugcisa ezivela kwiimarike zezabelo ngokwazo.
Musa ukuthenga kwiindawo eziphakamileyo
Ukusukela ngoku uzokwazi ukuba ayisiyontengiselwano intle ukuthenga ngamaxabiso aphezulu okanye aphezulu kakhulu. Nokuba kungenxa yokuba ukuphindaphinda okunokubakho kuya kuba ngaphantsi kunakwimeko ezingekho ndlongondlongo. Ewe kunjalo, awufanelanga ukulibala ukuba le ayisiyo imisebenzi enenzuzo ngenxa yomngcipheko ezibandakanya wona. Nokuba yeyiphi Ixesha lokuhlala ujongene nayo ngoku. Ngokumalunga nalo mba, akukho khetho ngaphandle kokuhlalutya ukuba ekugqibeleni kwezi ntshukumo ubeka umngcipheko wokuba izilungiso zinzima kakhulu kwaye imali eninzi inokulahleka kule misebenzi. Ke ngoko, kuya kufuneka unciphise olu hlobo lwezenzo kwiimarike ze-equity.
Ngelixa kwelinye icala, ikwayingcinga esebenzayo ukuba awuzamkeli zonke izindululo kukhetho lotyalo-mali. Ngale ndlela, akukho nto ibhetele kunokukhetha kwimithombo yolwazi kuba inokukukhokelela kwiimeko ezingafunekiyo kuzo zonke iiprofayili zabatyali mali abancinci nabaphakathi. Kuba enyanisweni, umdla onokuthi wenziwe ngabanye babahlalutyi isenokungabi yeyona nto ifunwa kakhulu ngabo bonke abasebenzisi, nokuba sesiphi na isicwangciso abaza kusisebenzisa ukwenza ukonga kwabo kunenzuzo. Kananjalo nenyani yokuba kufuneka uphephe ubuqhetseba obusasazwa ziiforamu zemidiya yoluntu kunye neenethiwekhi zentlalo.
Umngcipheko wokuthenga izinto zokuxhathisa
Ukusetyenziswa kwesi sicwangciso kutyalo-mali akukho mathandabuzo okuba ekugqibeleni kubeka umngcipheko omkhulu kutyalo-mali. Kungenxa yokuba ukuba injongo ayifezekiswanga izilungiso zinokuphakama kakhulu. Ke ngoko, ayikho enye indlela ngaphandle kokulinda la manqanaba ukuba agqithiswe ngokoneleyo. Kwaye ewe ewe, yenza ukuthenga okukhethiweyo kwiimarike ze-equity ngeziqinisekiso ezinkulu zempumelelo ukusukela ngoku. Le nto ibalulekile kwinqanaba, yenye yezona mpazamo ziqhelekileyo ezenziwa ngabatyali mali abancinci nabaphakathi.
Ngelixa okokugqibela, kufanelekile ukuba ulinde ukuba ukuxhathisa kwaphulwe kwiiseshoni ezininzi kwimarike yemasheya, hayi ngemini enye. Ukuze ukwazi ukwenza ukuba imali ekhoyo ibenenzuzo kuzo zonke iimeko ezinokuthi ziboniswe ziimarike zezabelo. Ukuze ngale ndlela, ukwimeko ezingcono zokuhlangabezana nolindelo lwakho kwilizwe lotyalo-mali. Oko kukuthi, emva kwayo yonke loo nto, lolunye lweenjongo zakho ezikhawulezayo ukusukela ngoku. Ungakulibali ukuba awufuni ukuba ufikelele kwiimeko ezingathandekiyo kubo bonke abatyali mali abancinci nabaphakathi.