Kubonakala ngathi singena kwixesha elingathandekiyo xa kuthengwa kwaye kuthengiswa izabelo kwimarike yemasheya. Iyavakala kwinqanaba elithile kuba iimarike zentengiso kwihlabathi liphela ziye zanyuka iminyaka emininzi, phantse ukusukela oko ukudodobala koqoqosho kwaphela ngo-2012. Kwaye kwezinye iimeko, ezinje nge usa stock, kunye nembuyiselo kufutshane ne-100%. Ke ngoko, kusengqiqweni ukuba olu tshintsho kwindlela eyenzeka ngayo ngenxa yokuba akukho nto inyukayo okanye yehla ngonaphakade, kungaphantsi kweemarike zezemali. Isenokuba lixesha lokwenza utshintsho kwisicwangciso kutyalo-mali lwethu.
Ewe zikhona ezinye iimveliso zemali ezenza imali yethu ibe nenzuzo. Nangona okwenzekayo ngokwenyani kukwazi ukuba lixesha elifanelekileyo lokuqala ukusebenza kwiimarike ezahlukeneyo zezemali. Ukuze bonke abatyali mali abancinci nabaphakathi bazimisele ukwenza imisebenzi yabo, siza kuzisa ezinye zeemveliso zezemali ezinokuthi zifumaneke kwisivumelwano ukususela ngoku. Ngamanye amaxesha, phantsi kweefomathi ezinobundlongondlongo ngakumbi kwaye kwezinye zilungelelaniswe ngakumbi neeprofayili ezikhuselayo okanye ezilondolozayo.
Kuzo naziphi na iimeko, akusayi kubakho khetho ngaphandle kokukhulisa uhlalutyo olunzulu ukumisela ukuba olu lolona tyalo-mali lubalaseleyo okanye imodeli yokonga esinokuba nayo ngamaxesha anzima kakhulu ukunxulumana nelizwe elihlala linzima lemali. Kungenxa yokuba kunjalo, kukho ezinye iifomathi ezibonelela nokuba zinokwenzeka Ukuqinisekisa ubuncinci benzuzo, nantoni na eyenzekayo kwiimarike zezemali kwaye emva kwayo yonke enye yeenjongo zethu eziphambili okwangoku. Ukwazi ngamaxesha onke, ukuba kukho ubomi obungaphaya kokuthenga nokuthengisa izabelo kwimarike yemasheya, njengoko unokuqonda.
Iimodeli zotyalo mali: ziqinisekisiwe
Le yenye yeemveliso ezilityelweyo ngabatyali zimali abancinci nabaphakathi kwaye ke kufanelekile ukuba bazi ngazo. Yi Isisombululo kukungabikho kwengeniso yemali esisigxina. Phakathi kwezinye izizathu, kuba isixa sengxowa-mali siqinisekisiwe sisonke kwaye, ukuba kulungile, imbuyekezo engaphezulu kwe-4% inokufunyanwa. Nangona imeko imbi kakhulu, iqondo lenzala elijikeleze i-2% liqinisekisiwe kwaye ngenxa yoko liphezulu kunelo linikezelwa ziimveliso zebhanki ezinxulunyaniswe nengeniso esisigxina, ethi inike kancinci i-0,5% kwizivumelwano.
Ngelixa kwelinye icala, ayinakulityalwa ukuba le mveliso yemali inokubhaliswa ixesha elizinzileyo kwixesha eliphakathi nelide, malunga neminyaka emi-5 okanye emi-6, njengefomula yokwandisa ingeniso ngokulingana ngengxowa-mali yotyalo-mali. Nangona kunjalo, ukuba abafaki-zicelo bakho bazakufuna ukuhlawulwa kwiinyanga ezizayo, banokukhetha imali eqinisekisiweyo. Ngokubandakanya iiwindow zenyanga okanye zekota zokuhlawula amatyala ngecandelo lemali ebekiweyo enokuhlawulelwa. Ukulungiselela ukuhlangabezana neenkcitho eziveliswe yimeko yakho yobuqu okanye yosapho: iindleko zekhaya, ukulungiswa komda wetyala okanye isikolo sabantwana, phakathi kwabanye.
Amanqaku amashishini angenangeniso
Olunye ukhetho lumelwe yenye yeemveliso eziqhelekileyo, uhlobo oluqeshwe ngabazali bethu okanye iinqwelomoya. Kule meko, sijongane nenye into enokuba nenomdla kakhulu ngaxa lithile ebomini bethu, kodwa eneempawu ezichazwe kakuhle. Enye yezona zinto zibalulekileyo kukuba siza kuthatha umngcipheko othile apho ukuqesha kwakho kubandakanya. Akumangalisi ukuba olu hlobo lwemveliso lusekwe kwimpahla yengeniso esisigxina ekhutshwe ziinkampani zecandelo labucala kwaye abanikezeli bemveliso yezemali bayacelwa ukuba bahlele kwaye babhalise incwadana yolwazi kwiKhomishini kaZwelonke yeMarike yoKhuseleko ngalo lonke ixesha besenza olu hlobo losasazo ibhekiswe kuluntu ngokubanzi.
Eli klasi lamanqaku ezithembiso angabhaliswa ngu amaxesha aguqukayo kakhulu okuhlala, enokuthi iqale ukusuka kwinyanga enye ukuya kwiminyaka eliqela, kuxhomekeke kwiimfuno zababhalisi ngalo lonke ixesha. Inika iirhafu zenzala ezihamba phakathi kwe-2% kunye ne-4%, kwi-avareji yekota esisigxina echazwe kwiinyanga ezilishumi elinambini. Kule misebenzi, umtyali-mali ufumana ukhuseleko ngexabiso elithile kwiziko lezemali, ovumayo ukulithenga kwakhona emva kwexesha elithile kwixabiso elibekwe kwangaphambili, oko kukuthi, uyazi kwangaphambili inzuzo eveliswe ngotyalo-mali. .
Baxhomekeke ekuphelelweni kwabo
Amanqaku othembiso angabhaliswa kumaziko emali kwaye angathengiswa kwimarike yesibini, nangona kule meko kubalulekile ukuba wazi ukuba ixabiso lentengiso linokuthetha ukuba inani lesiphumo lingaphantsi kwesixa-mali osityalileyo, nokuba siqinisekisiwe. ngomhla wokuvuthwa. Ngokubhekisele kwiikhomishini, banokubandakanya ezininzi: umrhumo, ukuthengisa kunye dndiza kufaka. Enye into ekufuneka uyithathele ingqalelo kukuba inzuzo yezi asethi iqinisekisiwe ekuvuthweni kwaye ilungiswe kwangaphambili, nangona kwimeko apho umtyali-mali ethatha isigqibo sokuthengisa, inzuzo iya kuxhomekeka kwixabiso lentengiso ye-asethi kwintengiso yesibini.
Okwangoku isithembiso esichazwe kolu hlobo lweemveliso sincinci kakhulu xa kuthelekiswa namanye amaxesha ukusukela isidingo semali yeenkampani ezinkulu, ngakumbi iibhanki, ingaphantsi kunakuqala. Kuzo naziphi na iimeko, kuyafuneka ukuhlalutya imeko yenkampani ukuvavanya ukuba ingaba olu hlobo lwemisebenzi ekhethekileyo lufanelekile na. Olunye lweempawu zalo ezifanelekileyo kukuba inokuthi yenziwe ngokusesikweni kuwo nawuphi na umrhumo wemali, ukusuka kweyona ithobekileyo ukuya kwezo zifuna umzamo omkhulu wezezimali kuthi. Nangona enye yemiba ekufuneka siyithathele ingqalelo ziingxaki zokungakwazi ukuhlawula amatyala abanokuthi bakhuphe abavelisi bale mveliso.
Iimali zemali
Yayenye yeemali ezisisiseko kwinkulungwane ephelileyo kwaye ukusuka apho ubunakho Yenza ibhegi yokonga okanye izinzile zethuba eliphakathi nelide. Ngayiphi na imeko, izinto zitshintshile kule minyaka idlulileyo, kodwa ngaphandle kwayo yenye yeemveliso zemali abanazo abo banazo zokugcina utyalo-mali lwabo, ngakumbi ukuba abafuni ukuthatha umngcipheko ngemali yabo. Le mveliso yemali ityala imali kwiasethi yemarike yemali, oko kukuthi, kwizixhobo zemali (iibhili zikaNondyebo, izivumelwano zokuthengwa kwetyala loluntu kunye namanqaku ezithembiso zenkampani) engaphantsi kweenyanga ezili-18.
Le ukubheja luphawulwa kuba Inzuzo isondelelene nenqanaba lenzala elifutshane. Ukuba, umzekelo, inzala yexesha elifutshane yi-2%, imbuyekezo yonyaka elindelekileyo yolu hlobo lwengxowa-mali iphakathi kwe-1% ne-2%. Ezi ziimali ezinokungazinzi okuncinci kwaye ngakumbi kufanelekile kwabo batyalomali bazigcinayo abangafuni ukuthatha umngcipheko omkhulu kwiimarike zezemali. Banomdla nakumaxesha okungaqiniseki kwaye njengendawo yokusabela okwexeshana kukungazinzi kweemarike. Umyinge wenzuzo yonyaka unokufunyanwa, kuxhomekeke kwimveliso ekuvunyelwene ngayo, enokusondela kwi-1% kwezona meko zintle. Kwelinye icala bavumela, kwelinye icala, ukuba nemali yokuhlawula amatyala ngalo naliphi na ixesha kwaye banokubhaliselwa imali efikeleleke kakhulu kuyo yonke imizi.
Ukutshintshiselana ngemali kurhwebo: kubhetyebhetye ngakumbi
Le yimveliso engumxube phakathi kweemali zemveli kunye nokuthengwa nokuthengiswa kwesitokhwe kwiimarike zezabelo. Kodwa ngeekhomishini ezikhuphisanayo ngakumbi kwezi modeli zikhankanywe ngasentla. Zikwabizwa ngokuba zii-ETFs, kwaye iyimveliso yezemali efanelekileyo ngakumbi kubatyali mali abafuna ukuthatha umngcipheko omkhulu njengefomula yokonyusa ukonga kwabo kunye nokuhambisa imali yabo kwii-equity ngenye yezi mali. Kule meko, kwaye njengengcebiso ngokudibeneyo yala maxesha, iyakuba ngee-ETFs, esekwe kwindaleko yexabiso ioyile, izibaso, izinyithi ezixabisekileyo okanye izinto eziluhlaza, Ukuthatha ithuba lokunyuka kokunye kwezi asethi zemali.
Yimveliso enokuthengwa nakweyiphi na imali ukusukela ukuba akukho mida kulo mcimbi wemali. Kodwa ngezinye iimeko ekufuneka ucace gca kwasekuqaleni kwaye leyo yimodeli yotyalo-mali ephezulu. Oko kukuthi, unokufumana ilahleko kwipotifoliyo kwaye nangayiphi na imeko akukho kubuya, akukho kulungiswa okanye kuqinisekiswa. Ukuya kwinqanaba lokuba ikhontrakthi yayo inokuthetha ilahleko yee-euro ezininzi kulondolozo lwethu okanye kwiakhawunti yokujonga.
Ngendlela eyahlukileyo kunaleyo yonke enye imali yotyalo-mali kwaye ixesha elinconyelweyo lokuhlala isigxina iinyanga ezimbalwa, phakathi kwe-6 ne-12. Ungaze ixesha eliphakathi nelide kutyalo-mali. Ukongeza, banikezela ngoncedo lokuba zininzi ii-asethi zemali ezikhoyo ongazukukwazi ukuzifumana kolunye uhlobo lotyalo-mali kwaye le yinto enokukunceda wenze imali ibe yinzuzo.