Ayizondaba ezibeka ithemba kubatyalomali, kodwa inyani eqhutywa luvo lwabanye babahlalutyi abadumileyo beemarike zezemali zehlabathi ibonisa oku. Ayikho enye inyani ngaphandle kokuba kunokwenzeka ukuba ibaluleke ngaphezu kokubaluleka ukudodobala kuqoqosho olukhokelayo kwihlabathiOko kukuthi, eUnited States. Ngeziphumo ezibulalayo kungekuphela kubulungisa beli lizwe libalulekileyo, kodwa kuyo yonke imimandla yejografi yomhlaba.
Ukucinga nje malunga noku kunokwenzeka kufikelela kwiimbilini zabatyalomali abancinci nabaphakathi kwihlabathi liphela. Akunanto, kukho imali eninzi esesichengeni kula maxesha axabisekileyo kwaye ayingombuzo wokuphulukana nawo okanye ukuntywiliselwa kwiinkqubo zendlela ephawulweyo esezantsi. Kuba ngokwenyani, imalunga nento entsha ekufuneka uyicingisisile ukuze uthathe ithuba le mathuba ezinokuveliswa kwiimarike ezahlukeneyo zemali. Zombini kwiintshukumo ezibuyela umva, njengakwiziphi izipho zokuhlaziya kwixabiso lazo.
Konke oku kuthathelwa ingqalelo ngokubhekisele kwiingxelo zamva zezona zibalulekileyo kutyalo-mali lwehlabathi, ezinje Oyilwayo iyonke. Ukuya kwinqanaba elumkise ukuba ukunyuka kwenqanaba leFed kunokuba sisiphumo sokudodobala kwezoqoqosho eMelika. Oko kuye kwakho ukubaluleka kokuba ifikelele kwinxalenye elungileyo yabatyali mali abahamba kwiimarike zezabelo. Abanye bade bacinge ukuba leliphi elona xesha lifanelekileyo lokutshintsha izikhundla zabo.
Iimpawu zokwehla kwamandla emali
Ngale ndlela, kwileta ebhalelwe abatyali zimali ababalulekileyo kwiimarike, ulumkisa ngelithi "ubona uqoqosho lwaseMelika luye lwaxhamla kakhulu" Kwaye uyabona ukuba ukunyuka okulandelayo kumazinga enzala luphawu olucacileyo nolungagungqiyo malunga ixesha lokuphindaphinda onokuyibonisa kuqoqosho lwamanye amazwe kwiinyanga ezizayo. Ngempembelelo engaphezulu kokutyholwa kwiingxowa zehlabathi liphela. La ngamagama aqala ukuprinta uloyiko phakathi kwabo bonke abagcini. Nokuba yeyiphi na iprofayili abayithathayo kwasekuqaleni: ngolondolozo, ukuba ndlongondlongo okanye phakathi.
La magama aphazamisayo ajoyina abanye abalathe kuwo abanye abahlalutyi bemarike yezemali ezikulo mgca mnye. Ngayiphi na imeko, kukho into eyenzekayo kwiimarike zemali. Akunyanzelekanga ukuba ubukrelekrele kakhulu ukuze uyiqonde le meko intsha nephazamisayo enokuthi ivele ngoku. Akunakulityalwa ukuba sele kukho amazwi aliqela ebelumkisa malunga nokwehla kwemali kuqoqosho lwamazwe aphesheya. Nokuba unokukhetha ukwenzeka kunyaka olandelayo.
Abafana kwiliso lenkanyamba
Ewe imeko yemilinganiselo yenzala isembindini wengxoxo. Njengoko uBill Gross esandula ukuphawula kumanqaku akhe nakwinkomfa kwisiqingatha sehlabathi. Ukuphumla kuqoqosho lwaseMelika naseMelika kunye a ukunyuka okuqhubekayo kwixabiso lemali iyakwenza olu manyano luyingozi olunokuthi lubeke kwakhona iodolo entsha. Enye into eyahluke mpela kukuba le meko iyenzeka kwaye ayibangelwa zizicwangciso zalo mtyali mali udumileyo ukuze afumane izibonelelo ezinkulu kwiiakhawunti zakhe ezinkulu esele zikho. Iya kuba ngumcimbi wexesha ukwazi ukuba yeyiphi kwezi meko zimbini ziya kuzalisekiswa kwiinyanga ezimbalwa ezizayo.
Ngaphandle kwale ndlela, ukubakho kwetyala elinokubakho kukwakho. Esi sesinye sezizathu zokuba abanye abahlalutyi abadumileyo bezemali bachaze ukuqikelela le meko ixhaphakileyo Qoqosho eMelika nangolwandiso kwihlabathi liphela, kubandakanya amazwe akummandla we-euro. Ngayiphi na imeko, yinto abatyali mali abancinci nabaphakathi kuya kufuneka baphila nayo ukusukela ngoku. Ngaphezulu kwamanye amacebo kutyalo-mali nakubudlelwane bawo nehlabathi elihlala linzima lemali. Ukuza kuthi ga kwinqanaba lokuba amazwi nawo ayanyuka malunga nebhabhalaza lezindlu. Kwaye ngakumbi eSpain, emva kokunyuka kwexabiso lezindlu.
Iindlela zokukhusela engxoweni
Ngayiphi na imeko, ayinakulityalwa ukuba kuya kufuneka ulumke ngakumbi xa utyala imali kwizabelo ukususela ngoku. Kwanakwiindawo ezininzi zokuzikhusela kunangaphambili. Ayingawo onke amaxabiso aya kusebenza kwizikhundla ezivulekileyo ukusukela eli hlobo. Apho oko kunika ukhuseleko olukhulu kuyakuhlala ngaphezulu kwezinye izinto zobuchwephesha okanye kumiselwe nje ziimarike zemali. Ewe baya kukunceda ufezekise iinjongo zakho ozifunayo kwaye azikho enye ngaphandle kokugcina imali oyigcinileyo ngaphezu kwayo yonke enye into.
Elinye lamanyathelo eliyimfuneko ukuthatha lawo anento yokwenza nemeko yobugcisa. Ngale ndlela, eyona nto icetyiswayo kukuba amaxabiso hlonipha inkxaso kwisicatshulwa sakho. Nakuphi na ukophulwa kwazo kufuneka kuthathwe njengesizathu esifanelekileyo sokushiya iimarike zezemali. Akuyi kubakho zizathu zivakalayo zokungasisebenzisi esi sicwangciso kuba ilahleko onokuyifumana kwimarike yemasheya inamandla kakhulu kwaye ayisiyiyo kuphela ukulungiswa kwexesha. Ukusuka kolu luvo, ubuchule kwimisebenzi buya kuthatha isigqibo sokuphuma kwezi meko zinzima ezinokuthi ziphuhle ukusukela ngoku.
Ubuthathaka kwikowuteshini yamaxabiso iya kuba yenye yeempawu zokushiya izikhundla ngendlela ethe kratya kunakwamanye amaxesha. Njengomzekelo, nini ukuvalwa kweveki ngokucacileyo kuyehla. Ukongeza, yindlela elula yokwenza, nokuba ngabatyali mali abanamava amancinci kwiimarike zezemali. Kuba ngokwenyani, into ethetha ngayo kukulindela iziganeko. Sisitshixo esiphambili sokukhusela lonke ulondolozo lwakho ngesiqinisekiso esikhulu sempumelelo.
Utyala phi imali?
Umbuzo omele uzibuze wona ukusukela ngoku ukuya phambili kukuchaza ukuba zeziphi iimpahla zezimali kunokwenzeka ukuba ufumane iminikelo yakho yemali. Nanini na xa kwenzeka le meko sithetha ngayo ngalo mzuzu. Ngokwesiqhelo ukuba kuyenzeka, kukho iasethi yemali eya kunyuka ngamandla athile ngezo nyanga. Akukho nto ingaphantsi kwegolide kuba ukusabela kwayo kwezi meko kuyacaca. Ukuza kwinqanaba lokuba yenye yeendawo ezikhuselekileyo zokuhlala kunye nokufumana ulondolozo olunenzuzo ngaphandle kweengxaki ezigqithileyo.
Ingxaki kuphela oya kuba nayo ngalo mzuzu kanye kukuba awuyi kukwazi ngokuqinisekileyo ukuba zeziphi iimveliso Thatha isikhundla kwinyithi etyheli. Kungenxa yokuba eneneni, ukuba ibonakaliswa yinto, kungenxa yokuba kunzima kakhulu ukuzibeka. Ngale ndlela, esona sicwangciso silula nesisebenzayo kukurhuma ingxowa mali yotyalo mali esekwe kule asethi ibalulekileyo yemali. Nangona kunokwenzeka ukuba ukudityaniswa kunye nezinye iiasethi ezivela kumvuzo omiselweyo kunye nokwahlukileyo. Iya kuba yindlela eluncedo kakhulu oya kuthi ukhusele ngayo igalelo lakho lemali kwasekuqaleni.
Ukuguqula izikhundla
Olunye uhlobo olukhulu lokuphucula ukujonga i-akhawunti yakho eseleyo iya kusekelwa ekubandakanyeni izikhundla eziguqukayo kwiintshukumo zakho ze-equity. Kuyinyani ukuba kunjalo ukhetho olunobungozi kakhulu, kodwa ke ubuncinci iya kukunceda ufumane izibonelelo kwezona meko zintle kwintengiso yemasheya. Ungayenza ibe semthethweni ekuthengweni nasekuthengisweni kwezabelo kwiimarike zemali, njengakwimali yotyalo-mali. Ukuba uza kukhetha enye yokuqala, awuyi kuba nesinye isisombululo ngaphandle kokumisela ngokusemthethweni ezi ntshukumo ngokuthengisa ngetyala. Indlela ekhawulezayo yokuvelisa imbuyekezo entle, kodwa ikushiyele icandelo elilungileyo lokonga kwiimarike zamanye amazwe.
Kwakhona i Iimali ezidwelisiweyo, eyaziwa ngokuba yi-ETF, s, zibonelela ngezi mpawu zikhethekileyo, kodwa ngesithembiso esincinci kakhulu xa kuthelekiswa nezinye iimveliso zezemali eziboniswe ngaphambili. Nangona kunjalo, banconyelwa ngakumbi ukuba babe nabo kumaxesha okusisigxina kwixesha eliphakathi nelide. Ayisiyiyo kuphela ngamaxabiso entengiso yemasheya, kodwa ikwanayo nezinye iiasethi zemali ezinomdla ongathandabuzekiyo zokwenza imbuyekezo enkulu kwiimali ezityaliwe. Ngayiphi na imeko, yinto ekufuneka uyigcine engqondweni ukuba awufuni kuma ngemali yakho kwezi meko zinkulu zengeniso esisigxina, uBill Gross.
Ngayiphi na imeko, iya kuba sisilumkiso esiza kuluncedo xa ubuya eholideyini. Apho uya kujonga khona indlela yokuphuma oza kuyinika imali yakho ngalo mizuzu. Ngaphandle kokulibala ukuba amathuba oshishino akhona nangaliphi na ixesha kunye nemeko yezoqoqosho. Nangona kunjalo ezi zinto zibi. Ayothusi into yokuba le yenye yeenzuzo zotyalo mali, kuzo zonke iindawo zokujonga. Ngoku kufanelekile ukuba uthathe ithuba kwezi meko kwaye ke unethamsanqa elincinci lokuhlangabezana neenjongo ozifunayo kwasekuqaleni.