Uyicwangcisa njani imali oyityalayo kwisiqingatha sesibini sonyaka ka-2016?

Utyalomali ngo-2016

Alithandabuzeki elokuba iinyanga zokuqala zalo nyaka khange zanelise kutyalo-mali, kwaye ngokuqinisekileyo akunjalo kuwe. Izalathiso eziphambili zamanye amazwe ziye zadityaniswa ngokuwa okuncinci okusondele kwiipesenti ezintlanu.. Ukuguquguquka kwezinto kuyeyona nto ixhaphakileyo kuzo zonke iimarike zezemali. Ngaphandle kwendlela echaziweyo yokunceda ukuphatha isicwangciso esifanelekileyo sokutyala imali. Ewe, esi siqingatha sokuqala sonyaka asizukuya kwimbali.

Kodwa awulahlekelwanga yinto yonke, kuba kusekho iinyanga ezintandathu zokugqiba unyaka. Kwaye iiakhawunti zakho zilungelelaniswa ngoguqulelo oluqinisekileyo kunye nokuzimisela kweemarike zezabelo. Kwaye apho iziganeko kunye neendaba ezinxulumene ne Uqoqosho lwehlabathiI-al iya kudlala indima ebonakalayo ekuhlanganiseni intsalela yokugqibela kwimarike yemasheya.

Ukuba ufuna ukufumana iziphumo ezifanelekileyo ngexesha lesemester yesibini, kuya kufuneka ujonge kakhulu kwiziganeko ezinokuthi zibe nefuthe kwindaleko yesitokhwe esiphambili. Zombini ezoqoqosho nezopolitiko ngokwendalo. Ngamanye amaxesha baya kuhamba kunye, kwaye kuya kuba nzima kakhulu ukungazinxibelelanisi ukuba ufuna ukusebenza ngesiqinisekiso esikhulu ngeli xesha lonyaka.

Unyulo lukaMongameli eMelika

Utyalomali: Unyulo usa

Lo nyaka ngonyulo, kwaye ngenyanga kaNovemba, kuyakubakho umqeshi omtsha kwi-White House. Njengesiqhelo kula matyala, kuxhomekeke kulowo uphumeleleyo, iintshukumo kwii-equities ziya kwahluka. Kwaye banokuqhuba okanye bahlise ixabiso lentengo. Ewe inye into ecace gca, kwaye loo nto kukuba iimarike azibamkeli abongameli abatsha. Kwaye, ewe, umongameli wase-United States uya kuba ngaphandle kwale yangoku. Nokuba nguDonald Trump, okanye uHillary Clinton.

Ukuba ezinye iinkqubo zonyulo ziyaqwalaselwa, iinyanga ezikhokelela ekuvotweni zikude nokunyuka, kunye neentengiso zihlala zibekelwa ngokucacileyo ekuthengweni. Into engaziwayo iya kuba kukulinganisa ipesenti, ngakumbi ubudlelwane bayo nemeko yezoqoqosho yamanye amazwe. Iya kuba sisalathiso sokuqala ukuba kuya kufuneka ujolise kutyalo-mali lwakho ngeli xesha. Ukusuka kolu luvo, icandelo elikhulu labahlalutyi beemarike eziphambili bakhetha ukuba ukungazinzi kuyaqhubeka nokuba yinxalenye yemeko yeemarike zezemali.

Urhulumente omtsha eSpain

Utyalomali: urhulumente eSpain

Ayizukuphela kokuchongwa konyulo kwisiqingatha sesibini sonyaka. Kulindeleke ukuba ngeli xesha urhulumente sele eza kumiselwa eSpain, ngenxa yonyulo jikelele oluza kuba nge-26 kaJuni. Kuxhomekeke kubume bayo, kuya kubakho enye okanye enye impendulo kwimarike yaseSpain. Kwaye kulindeleke ntoni ngeentshukumo ezinkulu, zomqondiso omnye okanye enye. Kude kube lelo xesha, awuzukukhetha ngaphandle kokulinda ngaphambi kokuvula izikhundla kwii-equities.

Inokuba yimeko yokwenza ukuba ulondolozo lwakho lube nenzuzo. Kodwa lumka kakhulu, kuba ukuba iziphumo azibheneli kubatyali mali kunokubakho ukuwa koyilo olukhulu, nokuba yingozi ngakumbi kunesiqhelo. Kwaye ungaphulukana nenxalenye ebaluleke kakhulu yolondolozo lwakho ukuba uneendawo ezivulekileyo kwimarike yemasheya. Ukuya kuthi ga kwinqanaba elikhulu, le nto iya kuphawula i-ajenda yentengiso yesitokhwe yabatyali mali abancinci, ubuncinci iinyanga ezimbalwa.

Ukukhusela iiasethi zakho, inyathelo lokuqala omele ukulithatha kukuyeka ukutyala imali kwimarike yemasheya, kude kube kusonjululwe ukungaqiniseki konyulo. Okwangoku, unokukhetha iasethi yezemali eqhuba kakuhle kakhulu kwiimarike. Le isenokuba yioyile, esele ivelise iinyanga ezimbalwa ezidlulileyo rally phezulu ethatha ukuba isithintelo $ 50 umphanda. Kwaye abahlalutyi abayikhupheli ngaphandle eyokufikelela kwinqanaba eliphezulu kwiinyanga ezizayo.

Utyalomali: ukunyuka kwamazinga

La ukunyuka kwezinga Kukwimeko yabatyali mali. Ngobuso obungaphambili, kwelinye icala i-United States, kwaye kwelinye i-European Union. Kwaye oko kuyakuthatha isigqibo ngokulinganayo malunga nokuvela kwemarike yemasheya, ngandlela ithile okanye enye. Ngokumalunga nesigqibo se-United States Federal Reserve (i-FED), akukho mathandabuzo, kwaye ukunyuka kwenqanaba elinye kuqikelelwa, nangona kungaphantsi kwepesenti, kwaye kufana nesigqibo sangaphambili. Oku kubonakaliswe ngamanye amalungu wombutho wezemali ophakathi eMntla Merika.

Ukuba kunjalo, kubonakala ngathi iimarike sele zilucingele olu tshintsho kumgaqo-nkqubo wezemali kwelinye icala leAtlantic. Kwaye ukusuka kolu luvo, eyona nto isengqiqweni ayichaphazeli ukuvela kwamashishini, kwaye kungaphantsi kweYurophu. Ukusuka kule meko ngokubanzi, kubonakala ngathi akuyi kubakho zimanga zigqithisileyo, kwaye izinto zinokuhamba kwicala elinye kude kube ngoku.

Ngokumalunga nomgaqo-nkqubo wezemali obekwe yi-European Central Bank (ECB), kubonakala ngathi akukho mahluko. Ngenxa yoku, izakuqhubeka ngexabiso eliphantsi lemali, kwaye oko kuye kwakhokelela kwinqanaba lenzala bakumanqanaba asezantsi kwimbali yabo, kwi-0%. Ukuba le meko iyaqhubeka, njengoko kubonakala ngathi, ngekhe kubekho impembelelo eqinisekileyo kwintengiso yemasheya.

Nangeyiphi ndlela, ukuba izinto bezinokutshintsha kwezinye zezo ndawo zoqoqosho, iimpendulo zamashishini zinokuba ndlongondlongo kakhulu. Ukutyelela iindawo ezinobuncinci kule minyaka idlulileyo. Kuyo nayiphi na imeko, ayizukuba yeyona nto ithatha isigqibo sokubeka imeko kwiimarike ngeli xesha lokugqibela lika-2016. Nangona kuya kulungeleka kuwe ukulandela iintshukumo zayo ukumisela olona tyalo-mali lunenzuzo ngeli xesha.

Iimpawu ezintsha zobuthathaka kuqoqosho lwaseTshayina

Utyalomali: i-china

Isigqibo esigqibeleleyo siya kuba imiqondiso emitsha ebonisa uqoqosho lwase China. Nakuphi na ukwehliswa koqikelelo lokukhula kuya kufunyanwa kakubi kakhulu ngabatyali zimali abakhulu. Kwaye ngandlela thile, iya kuthatha isigqibo malunga nokuvela kweemarike ukusukela ngoku. Iya kunxulumana ngokusondeleyo nexabiso elingelilo. Okumangalisayo kukuba, kwiiseshoni zokurhweba zamva nje, ukunyuka kweemarike zamasheya zamanye amazwe kwenzeke xa ixabiso lamandla aphambili liphindaphindekile, kwaye ngokuchaseneyo.

Enye intengiso yezemali ekufuneka ilumke kakhulu yile izinto ezibonakalayo, wohlwaywe kanobom kwezi nyanga zidlulileyo. Kwaye ezinye iingcali zicinga ukuba zibethile emhlabeni kwiinyanga zokuqala zalo nyaka. Ukujongana nale meko uziswe yona, akukho mathandabuzo okuba kuya kufuneka uyazi imida emininzi, ngakumbi kunamanye amaxesha. Ngenkqubo yokutyala imali ngakumbi izele bubunzima kwaye izele zizithintelo.

Ngaphandle kwayo yonke into, inye into ekufuneka icace kuwe, kwaye kunjalo Imbuyekezo endala kwizabelo, kodwa kwingeniso emiselweyo ayisayi kubuya. Ubuncinane phantsi kweepesenti ezibalulekileyo. Isenokuba lixesha elichanekileyo lokujonga ezinye iindlela zotyalo-mali. Kwaye apho ukhuseleko lwemali yakho elugcinayo kufuneka lubekhona, ngaphezulu kwezinye izinto eziqwalaselweyo. Akumangalisi ukuba eli ayiloxesha elilula ngokugqithileyo kubatyali mali abancinci nabaphakathi, njengoko kunjalo nakuni.

Izitshixo zecandelo lesibini lonyaka

Ukukunceda ukuba uphuhlise ipotifoliyo yotyalo-mali enobunzima kunye nokulinganisela, kuya kufuneka ungenise imigca emitsha yokusebenza, ethi kwiimeko ezininzi ibandakanye ukwahluka kwindlela oziphatha ngayo xa usiya kwiimarike zezemali. Awunakuhlala umile, kwaye kufuneka ubandakanye imeko entsha yezoqoqosho kwizicwangciso zakho zotyalo-mali. Ngenjongo enye, ekungekho enye ngaphandle kokuqhubeka nokwenza ukonga kwakho kunenzuzo njengangaphambili. Nangona unemida ethozamileyo, kodwa uxatyiswa ngokufanayo.

  • Jonga kwaye tshintsha ipotifoliyo yakho yotyalo-mali kuxhomekeke kwiimeko ezintsha ezivela kuqoqosho lwehlabathi. Iya kuba sisishukumisi kuphela sokuphucula ukujonga i-akhawunti yakho eseleyo ukusukela ngoku.
  • Iyanciphisa ngokukhawuleza indlela Ukubonakaliswa kwiimveliso ezinobundlobongela kunye nesitokhwe, ubuncinci kwezona nyanga zisondeleyo. Kwaye ngokuchaseneyo, zama ukubhalisa iimodeli zokonga ezingakumbi, eziqinisekisa ikakhulu igalelo lakho lemali.
  • Zama ukukhangela iimodeli eziguqukayo ezinokuziqhelanisa nazo zonke iimeko kwiimarike zezemali, kokubini ukusuka kwi-bullish ukuya kwi-bearish scenarios. Idityaniswe nezinye iiparameter zoqoqosho.
  • Ubutywala buya kuba sisipho esixabiseke kakhulu ngekhe ukwazi ukubalahla ngexesha lesemester yesibini yonyaka. Nokuba imeko yeemarike zezemali yanelisayo kunokuba ibhengeziwe.
  • Sukela loo mveliso yemali ilungileyo ihlengahlengisa iprofayile yakho njengomtyali mali omncinci ukuba unguye, kwaye umjelo ukufezekisa iinjongo zakho zotyalo-mali. Kuya kuhlala kukho imodeli efanelekileyo ngakumbi kwiimpawu ozibonisayo ngalo mzuzu.
  • Akunakuwela kuyo, kodwa nakwiimeko zentengiso ezimbi, kuyakuhlala kukho ithuba loshishino. Kwaye inokuba nakwicandelo ongakhange ujonge iinkcukacha ezaneleyo ukuvusa umdla wakho kulo.
  • Ungazami ukujonga imbuyekezo ebonakalayo, kuba inokukuqhubela kuthotho lweemveliso zezemali azilunganga kakhulu kwimidla yakho. Ngeengozi ezingaphezulu kunokuba ucinga ngoku.
  • Akungombuzo wokujonga iimodeli zotyalo-mali ezigcinayo, kodwa ngokuchaseneyo, ze zijolise ekuziphatheni okuphawula iimarike. Ukuqinisekisa, nakweyiphi na imeko, inzuzo encinci, kwaye ukuba unokuqiniseka ngokuqeshwa kwayo.
  • Ngenye indlela kukusilela kotyalomali, ayizukulimaza ukuthembela kuyo iifomathi zendalo ezixubeneyo ezidibanisa iiasethi zemali ezivela kwimithombo eyahlukeneyo. Ukugubungela ingeniso esisigxina, kwaye ingafakwa phi imali yesalathiso ukuba ufuna ukubeka umngcipheko kancinci kutyalo mali lwakho lwasekhaya

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