Ii-asethi eziyimali ezisebenza njengendawo yokusabela kutyalo-mali ngamaxesha e ukungaqiniseki kwezoqoqosho Baye bacaciswa gca kwezi nyanga zidlulileyo. Kunqabile ukuba bafikelele kwizindululo ezimbalwa, kwaye bahlala bephantsi kweempawu ezichazwe kakuhle, bengalungelanga nayiphi na iprofayili yabasindisi. Asekho amaxesha apho iimveliso zemali bezinokuhlala zingena kwisivumelwano Ukungazinzi kwemarike yemozulu.
Okwangoku kunzima kakhulu ukusebenzisa ezi ndlela zokutyala ezizodwa, nalapho kungekho mntu uthandabuzayo ukuba izinto ziya zisiba nzima ngakumbi ukufumana imbuyekezo eyonelisayo kwimali egciniweyo efumene ixesha lokudla ubomi. Ayothusi into yokuba abahlalutyi abahlukeneyo bezemali bahambelana nokuqaqambisa oko Ukwenza imbuyekezo ephindwe kabini iyakuba yinto engenakwenzeka kule minyaka imbalwa izayo. Kwaye kuyo nayiphi na imeko, uthatha umngcipheko omkhulu ekuthengeni izikhundla.
Ukusuka kule meko ngokubanzi, amathemba akho otyalo-mali awasayi kuba ethembisa ukuhlangabezana neenjongo zakho ezinqwenelekayo: ukwandisa ubulungisa. Zonke izinto zibonakala zisebenza ngokuchasene nawe. Kwelinye icala, iimveliso zokongiwa kwemveli (iidiphozithi, amanqaku ezithembiso zebhanki, iibhondi, njl.njl. Okwangoku bakunika i-avareji yenzuzo ejikeleze i-0,50%, kunye nokuncinci ngakumbi usebenzisa ezinye uyilo olunoburharha. Njengomphumo wesigqibo sebhanki yaseYurophu ekhupha ibhanki ukwehlisa ixabiso lemali kwaye kwagqitywa kwangoko kwezi modeli zokonga.
Imarike yemasheya ayingcono kakhulu, kunye nokuhla, ubuncinci kwixesha elifutshane, okwenza kubenzima kuwe ukuba uthathe isigqibo sokuthatha isikhundla kwiimarike zabo, ngaphandle kokuba ufuna ukubeka emngciphekweni imali yakho. Akunanto, Iimarike eziphambili ze-equity zelizwekazi elidala zibonisa ukuwa okunzima kwii-indices zazo ngexesha leentsimbi zokuqala zonyaka omtsha, nokuba kwezinye iimeko ezinobundlobongela obukhethekileyo.
Kule meko, kunzima ukudibanisa, ubuncinci okwethutyana, okoko iimpawu eziphambili zokungazinzi ezenziwayo zinganyamalali: ukukhula okuncinci e-China, iingxaki zoqoqosho kumazwe asakhulayo kunye nokwehla kwexabiso leoyile ekrwada. , phakathi kwezinye izinto.
Indawo encinci ebhegini
Zimbalwa iindawo onazo kuzo kwiimarike zamasheya. Iimpawu zokuziphatha ezikhuselayo azisafanele wena ukuba kweminye imithambo bakuncedile ukukhusela ulondolozo lwakho kumaxesha obunzima obukhulu. Kuyinyani ukuba baya kwenza ngcono kunabanye, kodwa nangayiphi na imeko baya kuhlala bekwamkela ukwehla kwezabelo zamashishini. Kuphela ukuba uza kwakha ipotifoliyo yotyalo-mali yexesha elide, apho unokuzivumela ukuba uthenge izinto ezithile usebenzisa amaxabiso asezantsi adweliswe kwizabelo zabo.
Kuphela ziinkampani ezidwelisiweyo ezinokuthi zithathelwe ingqalelo njengexabiso elikhuselekileyo, elinemibala emininzi bahambisa isahlulo semveliso ephezulu kwizabelo zabo, ngaphezulu kwe-5%. Ungacebisa ngesi sicwangciso ukuze unyaka ngamnye ukwazi ukufumana ezi ntlawulo ngokusisigxina, ngaphandle kokuvela kwexabiso laso. Zimbalwa iimveliso eziza kukunika ukusebenza okuqinisekisiweyo ngolu hlobo, ungatsho nto. Ngenxa yoko, ngamaxabiso acelwa kakhulu ngabasebenzisi ngamaxesha okungaqiniseki okukhulu kwezoqoqosho.
Esinye isisombululo oya kuba naso, ngaphandle kokushiya ibhegi, siya kubandakanya ukuqesha ukumiselwa kwexesha esekwe kuyo nayiphi na kwezi asethi zemali. Iya kuba yindlela yoqobo yokukhusela imali kwimveliso eya kuthi ivelise imbuyekezo eqinisekisiweyo, nangona ingachazwanga kakhulu. Kwaye ibhaskithi yezabelo apho irhafu inxulunyaniswe nayo, ukuba ihlangabezana neyona njongo iphantsi, iya kukuvumela ukuba uyandisele kwimida ethile eyamkelekileyo kwimidla yakho.
Igolide ewe, kodwa ayifani neentsuku zakudala
Ngokwesiko intsimbi etyheli ibikho kuthathelwe ingqalelo ixabiso lokusabela ngokugqwesa. Kwaye ukongeza kwezinye izinyithi ezixabisekileyo (igolide, isilivere, iplatinam ...), ezihlala zixabisa kwiinkqubo zokudodobala kwezoqoqosho, okanye ubuncinci bokungaqiniseki kwiimarike zemali. Ewe, le ndima ayisafani, kwaye nangona inokusebenza njengendawo yokusabela ngexesha elithile, ayenzi ngohlobo olufanayo nolweminye iminyaka. Kuzo zonke iingxaki zoqoqosho zenkulungwane ephelileyo, yayilutyalo-mali olugqibeleleyo xa kwakungekho ezinye iindlela kwiimarike, zombini ingeniso esisigxina kunye neyahlukileyo.
Ngayiphi na imeko, yenye yeendlela ezimbalwa onokukhetha kuzo ngala maxesha okudideka kwiimarike. Ukukwazi ukufumana ukusebenza okungamkelekanga okanye okungamkelekanga, kodwa nakweyiphi na imeko abalindelanga kuvavanyo olukhulu, kuba azizukwenzeka ngokhuseleko olupheleleyo. Ukuba ekugqibeleni ukhetha le asethi yemali, uya kuba nakho ukuwenza umsebenzi uqiniseke ngokupheleleyo, nokuba ukuthenga igolide ebonakalayo, okanye ukusilela oko, ngengxowa mali yotyalo-mali esekwe kwizinyithi ezixabisekileyo.
Kwaye nokuba unesibindi kwaye uyila izinto ezintsha, unokuxhomekeka kwi ukuthengwa kwemivalo yegolide, okanye neengqekembe zegolide onokufumana ngayo intsebenzo emva kweminyaka embalwa. Ngayiphi na imeko, isinyithi esimthubi siphethe igama njengexabiso lokusabela elingakhange libe namandla kangako kwiingxaki zokuqala zenkulungwane yama-XNUMX. Kukulungele ukuba uyikhumbule le nto ngaphambi kokulindela ukuthatha isikhundla kolu tyalo-mali lukhethekileyo.
Imali ekhethekileyo kakhulu
Ngenxa yobuninzi beemali zotyalo-mali ezenziwe ngabaphathi kwihlabathi liphela, kuyinto eqhelekileyo ukuba ucinge malunga nokuba bayile nyani na eluncedo kumaxesha okungaqiniseki okukhulu. Ngokuqinisekileyo uya kuba nobunzima kakhulu, kuba ezi mveliso zokonga zichaphazeleka yimeko yangoku yoqoqosho lwehlabathi. Kwaye akukho nkxaso-mali esisigxina engagcinwanga kule meko ngokubanzi, kwaye ikwabonisa ukusebenza kakubi ngakumbi kunemali eguquguqukayo, okanye iimali zokwenziwa okuxubeneyo.
Ngaphandle kwayo yonke into, inezindululo ezininzi ezisebenza njengendawo yokuzimela oyigcinileyo. Enye yazo ivela Izibophelelo zaseNyakatho Melika, ukuze benze ngcono kwiimarike ngenxa yomgaqo-nkqubo wezemali owenziwe yi-Federal Reserve yase-United States. Kwaye ungabaqesha ngokusebenzisa iimali ezininzi ezisekwe kule asethi yemali. Abayi kukunika iingxaki ezininzi, kwaye bahlala bezinzile kuguquko lwezabelo zabo. Ngokuchasene neYurophu okanye iibhondi ezikhulayo ezikwimeko entle kakhulu.
Esinye isixhobo onokukhetha kuso ngaphakathi kutyalo-mali kukwinto ebizwa njalo ukubuya ngokupheleleyo. Zizona zicetyiswa kakhulu ngabahlalutyi abaphambili botyalo-mali. Ayothusi into yokuba uguquko lwayo lweenyanga ezimbalwa luyathandeka ngakumbi kunakwamanye amamodeli, nokuba yayiyintoni na. Okumangalisayo kukuba, ngelixa zonke iimarike kunye neeasethi zezemali ziwile, nokuba kungoqhekeko, ezi mali bezizezona zixabisekileyo, okanye ubuncinci zigcinwe. Kukulungele ukuba uyithathele ingqalelo ukulungiselela ipotifoliyo yotyalo-mali unyaka wonke.
Ukuguquguquka okukhulu kwezezimali
Le ntengiso yezemali iye ibe yenye yezona zinto zithandekayo kuzo zonke, ngokujikisa okwenza nokuba abathengisi abothusayo bangoyiki. Kwaye banokuba sisixhobo kubo sokuba babe yindawo ekhuselekileyo ye-asethi ngexesha elithile. Nangona kunjalo, zilungele ukusebenza kwethutyana, kuba iintshukumo zabo zintle kakhulu, ngengqiqo ethile nakwezinye. Kwaye banokukubamba ngonyawo olutshintshileyo. Kuya kufuneka ulumke xa ukhetha eyona mali iphambili kwihlabathi.
Inzuzo enokuveliswa kwimisebenzi yakho iphezulu kakhulu, kodwa kunye nelahleko yakho. Ngesi sizathu, ayicetyiswa kwaphela kuyo nayiphi na iprofayili yotyalomali, kude nayo. Kwaye kuphela abanamava kolu rhwebo luthe ngqo baya kuba nakho ukukhetha olu hlobo lotyalo-mali, kwelinye icala lube yingozi ngakumbi. Nangona ubala kunikezelo olubanzi kwaye ivelisa amandla amakhulu kumaxabiso aso.
Ezinye iindawo ekuya kugcinwa kuzo
Ukuba, ekugqibeleni, kuzo zonke izindululo esizinika zona kweli nqaku, ufumanisa ukuba akukho namnye kubo owanelisa iminqweno yakho njengotyalomali oluncinci, kuya kuba nzima kakhulu kuwe ukuhambisa imali okhoyo ukuza kuthi ga ngoku. Ngoku kuya kufuneka uxelise oomakhulu nootatomkhulu bakho kwaye ubagcine phantsi komatrasi ukuze ubuncinci uqhubeke nokugcina ilifa lakho liqinile, kwaye ungabanikezela ukuze bazonwabise, okanye wenze olo hambo uhlala uphupha ngokuhamba nalo usapho lwakho.
Ngokusengqiqweni, kuya kufuneka uyidipozithe kwenye yeetikiti ezifakwe ziibhanki. Kodwa ukwazi kwangaphambili ukuba uza kurenta malini. Uya kufane ugqithe kwisiqingatha sepesenti kumdla wakho, kwaye ngenxa yoku kungafuneka ubhalise ixesha eligqithisileyo lexesha leminqweno yakho. Ewe kunjalo, awunakuba nayo imali yakho ngeli xesha. Awunakukhetha ngaphandle kokuhlalutya ukuba ngaba uyahlawula na ukutyikitya umsebenzi.
Ukuba awufuni kuchitha ixesha elide kangaka ngaphandle kwegalelo lakho, awuzukufumana sisombululo ngaphandle kokubhenela kwiiakhawunti zokonga, kwaye ukuba kunokwenzeka ngentlawulo ephezulu. Kodwa nangona kunjalo awuzukukwazi ukuphakamisa isivuno ngendlela othanda ngayo, kwimeko elungileyo eya kuthi ifike kwi-1% yemali eseleyo. Njengendawo yokugqibela, uya kuba nelona khetho lokuqala ekwenzeni ifayile ye mboleko phakathi kwabantu, Umsebenzi wakhe oza kukunika inzala eyi-6%.
Kwaye ukuba, ngaphandle kwayo yonke into, akukho nto ikuqinisekisayo, isenokuba lixesha lokuqala iprojekthi yeshishini. Oko kuyakwandiswa ngamatyala amaninzi anikwe ziibhanki ukuphuhlisa lo msebenzi. Ngeemeko ezithandekayo kwimidla yakho yeshishini, kwaye apho umdla okhuphisana ngakumbi ubonakala