Lo nyaka mtsha uyakuthetha ukuba unamathuba amatsha eshishini xa kuthelekiswa neminyaka edlulileyo, ngakumbi kuleyo ikhulayo. Enye yeenjongo zakho iya kuba kukuzifumanisa kwaye unokwenza inzuzo oyongayo ngokufanelekileyo. Ukuba kunokwenzeka ngezivuno ze amanani amabini. Ukuba oku kunjalo, kwisithuba seenyanga ezilishumi elinambini, ngaphezulu okanye ngaphantsi, uya kube uzifezekisile iimfuno zakho zotyalo-mali. Ukusuka kuthotho lwezindululo zezemali ezinokuthi kwiimeko ezininzi zibe njalo entsha kunye nokuyila yeyakho
Ukusuka kolu luvo lokuhlalutya, kuya kuba luncedo kakhulu ukuba ujolise kwiiasethi zemali ezimbalwa, apho unako khona gxila kwimisebenzi yakho kwizabelo. Nje ukuba iimarike zengeniso esisigxina zingahambi kwelona xesha lilungileyo. Nokuba uluvo lwabahlalutyi abaphambili bezezimali ngamxhelo-mnye kule nkalo. Iimbuyekezo zakho ziya kuba mbalwa kwaye kwimeko ezifanelekileyo.
Ukufumana imbuyekezo engcono, ekuphela kwendlela kukujika imali oyigcinileyo uye kwiimarike zezabelo. Kwaye enye yeenketho onazo ngoku ziimarike ezikhulayo. Kuyinyani ukuba umngcipheko wayo mkhulu xa kuthelekiswa nezikwere zemveli, kodwa imbuyekezo iya kuba kokucebisa ngakumbi. Njengoko uya kuba nakho ukuqinisekisa ngeli nqaku. Abakulambelanga ilize ukuba bavulele kuwe amathuba amatsha eshishini kwaye ezinye zibonisa kakhulu. Uyakwazi ukuyityhila kwimizuzu embalwa.
Ukuvela: izinto zokwenza imveliso
Ukuba kukho nayiphi na into enokwenza ukuba ukhethe kwezi marike zamanye amazwe, ayikho enye ngaphandle kwe umfanekiso ongcono wezinto eziluhlaza ukusukela kwinyanga kaJanuwari. Kungenxa yokuba eneneni, imeko yexabiso lempahla iphuculwe, kwaye uqoqosho olusakhulayo (EM) lwezoqoqosho kufuneka lukwazi ukulandela le meko. Ngamandla anokuthatha ezinye zezalathiso zayo ezingaphezulu kwamaxabiso ezona ntengiso ziqhelekileyo zemali.
Ukukhula umva ngaphezulu kwemida yeminye iminyaka yenye yeenjongo eziphambili zeemarike ezikhulayo zalo nyaka ezisandula ukuqala kwiintsuku ezimbalwa ezidlulileyo. Ixhaswe ngu ukuvela kwezinto ezithile eziluhlaza efanelekileyo. Phakathi kwazo ezo zidityaniswe nepetroli. Ayothusi into yokuba inokuba sesinye sezimanga ezintle ukuba iimarike zezemali zikugcinele ukusukela ngoku. Kwaye kufuneka uzilungiselele ukwenza imisebenzi yakho kunye nokwandisa ukusebenza kwezi nyanga.
Umfutho weeasethi zemali unokuba sesona sizathu sokugqibela kwezi marike zezimali zokuba nomfutho onyukayo ukusuka kwasekuqaleni. Zombini ezi asethi zinxulumene ngokusondeleyo, kwaye zixhomekeke komnye komnye ukumakisha ukuvela kwamaxabiso abo. Yinto ekufuneka uyithathele ingqalelo ukuba ufuna ukuthatha ithuba lamathuba oshishino ngokuqinisekileyo aza kuzibonakalisa kwiinyanga ezizayo.
Uphuculo kuqoqosho olusakhulayo
Kodwa ukuba kukho ukukhankanywa ukuba kuya kufuneka uxabise ezi marike ze-equity ngaphandle kwamathandabuzo ukuba iyaphucuka kuqoqosho lwazo. Kuba enyanisweni banokubonisa ukuphucuka okubonakalayo kwiiakhawunti zakho zobalo. Ngokukodwa, ziyenziwa iinguqulelo ezintsha zoqoqosho lwabo. Yintoni evula amathuba amatsha kwimisebenzi yakho kwimarike yemasheya. Ngokungena kwemali ebalulekileyo yotyalo-mali, esele ifunyenwe ngo-2016.
Enye into enokunika amandla kwiimarike ezisakhulayo, ngokwembono yenxalenye elungileyo yabahlalutyi bezemali, yinto enokwenzeka ukuba ukukhula e-china inkulu kunokuba bekulindelwe ngaphambili. Ukunyuka kwamaxabiso eoyile kunokunceda kwaye oku kuncede ekuthinteleni ukwehla kwemali ezivelayo. Zezona zinto ziya kunceda amazwe asakhasayo ukuba avele ngaloo nyaka. Abukho ubunzima kwaye ngokuqinisekileyo baphantsi kokungazinzi okukhulu kwiimarike zabo ezidwelisiweyo.
Ukuza kuthi ga kwinqanaba lokuba iya kuba yenye yeemeko zoqoqosho apho iimarike kunye neearhente zezemali ziya kuthi zithathele ingqalelo. Ayothusi into yokuba uhambo lwayo olungaphezulu lube lolona lubalulekileyo onokulufumana ngeli xesha. Uya kudinga ithamsanqa elincinci kunye ne-intuition encinci xa ukhetha iimarike ezihlumayo apho uza kutyala imali oyigcinileyo. Kunye Uluhlu lwezibonelelo Ixabiso elifanelekileyo kuba uya kuba nakho ukukhetha phakathi kweemarike zokulingana ezahlukeneyo kunye nobume obahluke kakhulu. Iya kuba yenye yeengxaki onazo ngoku, izindululo ezininzi ekunikezela ngazo kwiimarike ezisakhulayo.
Njengenye indlela yengeniso esisigxina
Esi sicwangciso sotyalo-mali sinokuba yenye yeendlela onokuthi uzenze ngaphambi kwenzuzo ephantsi yengeniso esisigxina ngokubanzi. Kuba, enyanisweni, olu tyalo-mali ayingombono olungileyo onakho ukuqala unyaka omtsha. Ukuza kuthi ga kwinqanaba lokuba abanye abahlalutyi bethetha nge bubble kule asethi yemali kwaye inokuqhuma nanini na. Kuya kufuneka uqaphele xa ujongene nale meko inobungozi enokukhokelela ekubeni ushiye ii-euro ezininzi endleleni. Ngaphezulu kunokuba unokucinga ekuqaleni.
Ukusuka kule meko iboniswe ziimarike ezisakhasayo, unezicwangciso ezininzi zokunyusa imisebenzi yakho kunye nokufezekisa imbuyiselo engaphezulu eyamkelekileyo kulondolozo lwakho kwezi ndlela zotyalo-mali lomntu ngamnye. Kuya kufuneka wandise izikhundla zakho kwezi marike ezizezinye. Kuxhomekeke kwiprofayili oyivezayo njengomtyali mali omncinci nophakathi ngeli xesha lotyalo mali kwii-equities.
Ngenxa yokunqongophala kwenzuzo kwingeniso esisigxina, iimarike ezisakhulayo zisenokuba yenye indlela yotyalo-mali. Ngaphandle komngcipheko, kodwa ngesibheno sonyaka omtsha esinakho iya kutsala amawaka abatyali mali abancinci njengoko kunokwenzeka kwimeko yakho. Ngapha koko, olu hlobo lotyalo-mali lubandakanyiwe kwiipotifoliyo ezininzi yinxalenye enkulu yeenkampani zolawulo zonyaka we-2017. Into eyayingazange yenzeke kwiminyaka edlulileyo.
Umngcipheko ekusebenzeni
Nangona kunjalo, ukuhamba kwezi marike zezemali kunokuzisa isimanga esingaphezulu kwesinye. Ngokubhekisele kwamanye amazwe abandakanyekayo kwezi ntengiso zinempawu. Ngenxa yokwahluka, i Ungenelelo lwaseRussia kuMbindi Mpuma inokuba nefuthe kumbindi nakwimpuma yeYurophu. Ngelixa iBrazil ijongene nolonyulo olubaluleke kakhulu kwinxalenye yokuqala yonyaka. Kwaye ihlala isonjululwa ukuba kuyakwenzeka ntoni na ngamanyathelo ezoqoqosho ngurhulumente waseArgentina. Ngokudibeneyo baya kunika isikhokelo esingaphezulu kwesinye malunga nokuba ezi ntengiso zinokuba yintoni kwezi nyanga zizayo.
Ngokumalunga nezigebenga ezibini zoqoqosho lwaseAsia, iJapan ne China, nazo ngaphandle kwamathandabuzo. Ingakumbi ukuba baya kuqhubeka ngoku Imigaqo-nkqubo yezemali. Nawuphi na umahluko unokuvelisa utshintsho kwiinjongo zearhente yezemali ukusukela ngoku. Zombini zisuka kwimbono elungileyo nengalunganga. Kwinqanaba apho iya kugqiba indawo yakho kwizabelo. Ngandlela thile okanye enye, njengesiqhelo kwezi meko. Ungayichazanga ke leyo ivelayo enobunzima obuncinci kumgangatho wamazwe aphesheya.
Elinye inqaku elibaluleke kakhulu ekuxabiseni utyalo-mali lwakho kwiimarike ezisakhasayo kumiselwa yindlela eziza kuchazwa ngayo iimali zabo kwiimarike. Iya kuba, ke ngoko, yenye into yokuvavanya ukuba uza kuvula izikhundla kukhuseleko lweemarike ezisakhulayo. Akumangalisi ukuba, baphenjelelwa kakhulu zezi marike. Ngokucacileyo Unxibelelwano lwezezimali zabo. Ukubonisa ngexesha lokugqibela ukungazinzi okuphezulu kwikoteyishini yamaxabiso abo. Ngama-oscillations aphawulwe kakhulu phakathi kwamaxabiso aphezulu kunye neyona incinci. Ngaphezulu kwezinye iiasethi zemali.
Iindlela zokusebenza ngeemarike ezisakhulayo
Ukuba, ngaphandle kwayo yonke into, injongo yakho kukutyala imali oyigcinileyo kwezi marike, awuzukukhetha ngaphandle kokungenisa uthotho lwezenzo. Ziya kuba luncedo kakhulu ekufumaneni inzuzo oyifunayo. Ukongeza, baya kukunceda ukukhusela ulondolozo lwakho ngokukuko, nangamaxesha amabi kakhulu kwimidla yakho. Ukuqala kule migca ilandelayo kwisicelo sakho.
- Inzuzo oyifumanayo inokuba phezulu kakhulu, kodwa ngexabiso le- nyusa umngcipheko. Kuya kufuneka uvavanye ukuba ingaba le nxaki iyakubuyekeza na ukwamkela imisebenzi nakweyiphi na yeemarike zayo.
- Unemarike yemasheya emininzi onokukhetha kuyo. Ke ngoko, kuya kufuneka ukhethe ezona zilungileyo inkalo yobugcisa ngexa uvula naluphi na uhlobo lokuhamba kwiimarike zezabelo. Unako nokukhusela utyalomali lwakho ngokuba nemali ibiyelwe. Kule meko ithile, i-euro.
- Sukuyinikela yonke imali oyigcinileyo kolu hlobo lomsebenzi. Kuya kulungela ukuzinikezela kwakho inxalenye encinci yalo. Esi sicwangciso-qhinga siya kukunceda ukuba ubenelahleko kwimeko ezimbi kakhulu ezinokuvela kulo nyaka.
- Oomatshini bokutyala imali kwezi marike bahlukile kwezo zeemarike zemveli. Apho iphambili khona, ngakumbi ukuhlala ixesha elifutshane. Ngokuhamba ngokukhawuleza okukhulu nangokuguquguqukayo.
- Bayathwala iikhomishini ezinzima kakhulu kunokuba kwiimarike zesizwe. Ngokwenyani ukuphindaphinda amaxabiso abo, nangona unokuxhamla kuthotho lwezibonelelo ezivela kubalamli bezezimali.
- Okokugqibela, awungekhe ulibale ukuba ufuna into ethile Ulwazi lwamaxabiso ezisebenza kwezi marike zentengiso. Kuba ezinye zazo zisenokungavakali ngathi ziqhelekile kuwe malunga neemodeli zeshishini labo. Yenye yeengxaki eziphambili zokutyala imali kwezi ndawo zotyalo-mali.