Kuyamangalisa ukuba idatha yengqesho yenziwe eUnited States ekungekho mntu wayelindele, nkqu neearhente zeemarike zezabelo. Ukuza kuthi ga ngoku idatha yengqesho yase-US ngoMeyi ibonise ukwenziwa kweepesenti ezingama-2.5 zemirholo, ukwehla kwezinga lokungabikho kwemisebenzi ukuya kwi-13.7%, xa kuthelekiswa ne-19% ebilindelwe kwiintsuku ezidlulileyo. Ngexesha apho ukwandiswa kwe-coronavirus kuyinyani kwihlabathi lezoqoqosho kuwo onke amazwe aseplanethi. Ngayiphi na imeko, yinyani enike amandla okukhuthaza kwiimarike zezemali, ngakumbi kuba khange ithathelwe ingqalelo ngabatyali mali abakhulu.
Kule meko ngokubanzi, ukubuyiswa kwecandelo lezabasebenzi ngokungathandabuzekiyo kunike amandla anyukayo kwiimarike zesitokhwe, ngerali eyomeleleyo kakhulu kwizalathiso eziphambili eWall Street. Ukunyuka kwezikhundla kunye nokufumana indawo entle yokulangazelela amaxesha aphezulu ukusukela kulo mzuzu uye phambili. Akumangalisi ukuba, singekhe silibale ukuba i-Nasdaq 100 sele ikule meko iluncedo kakhulu kubo bonke abasebenzisi bemarike yemasheya. Apho izabelo eziphambili ziyaqhubeka nokukhula ngaphandle kwezi meko. Ngendima efanelekileyo ejongene nolonyulo lukaNovemba olandelayo kwaye kuDonald Trump unqwenela unyulo lwakhe kwakhona.
Ngayiphi na imeko, idatha emangazayo yengqesho eUnited States inokuba nefuthe elithozamisayo nakubatyali zimali kwiimalike zamashishini ezemali kwilizwekazi elidala. Ubuncinci kwixesha elifutshane kwaye ngelixa intsholongwane yokuphefumla ingekoyiswa ngokuqinisekileyo. Ngokukodwa kuba yonke into ibonakala ngathi ibonisa ukuba idatha embi izakuphuma kunaleyo ithethwayo ngamanani asemthethweni. Kodwa oko akunakuba nokuhamba ngaphezulu ngaphezulu kweeseshoni zokurhweba ezimbalwa. Ngexesha apho iimarike zezabelo zijamelene neenkxaso ezibaluleke kakhulu nalapho ukuvela kweemarike zamasheya zamanye amazwe kuya kuxhomekeka kwicala elinye okanye kwelinye. Into eya kuthatha ixesha elithile ukuyichaza ngamandla ayo onke.
Impembelelo yedatha yengqesho
Idatha yengqesho emangazayo eUnited States inokuba neziphumo ezilungileyo ngakumbi kumacandelo athile ezemali kunamanye. Ngokuchanekileyo ngabo bathe bafumana eyona ukuwa kweli xesha likhethekileyo kwaye ukusukela ngoku banokuphucula indlela yokuziphatha kwiimarike zezemali. Ngelixa kwelinye, kuyimfuneko ukugxininisa into yokuba le datha inokuba yindawo entsha kwindaleko yeemarike zezabelo. Ubuncinci yile nto yinxalenye elungileyo yabalimi abancinci nabaphakathi abalindeleyo, abanqwenela ukuba iimarike zentengiso zenze umgangatho ohambelana kakhulu kwingxaki ebangelwe kukwandiswa kwecoronavirus.
Kwelinye icala, kubaluleke kakhulu ukugxininisa ukuba idatha yengqesho e-United States kufuneka ixhaswe yile yeenyanga zizayo. Ngamanye amagama, kufuneka kubekho ukuqhubeka kwaye kungabikho meko ithile, njengoko kuchaziwe ziingcali ezithile kuqoqosho lwamanye amazwe. Ukusuka kolu luvo, akusayi kubakho khetho ngaphandle kokulinda iinyanga ezimbalwa ukubona ukuvela kwengqesho kweli lizwe libalulekileyo. Ukuze ngale ndlela, isinike izikhokelo malunga nento esinokuyenza kwimarike yemasheya kwiinyanga ezizayo. Kufanelekile ukulinda kancinci ukuze siqiniseke ngakumbi ngento esinokuyenza notyalo-mali lwethu. Ngaphandle kwamaxabiso okuthenga apho ukuthengiselana kwesitokhwe kunokwenziwa.
Ukukhupha i-bounce kwimarike yemasheya
Xa imakethi isaphuka ngokuhla, ukungazinzi kunye noloyiko luyanda, ngelixa imvakalelo yokungatyali mali kwinxalenye yabatyali mali abancinci naphakathi ikhula. Akukho ukuthembana kwaye "izandla ezomeleleyo" azikho kwintengiso. Yisimo esifanelekileyo sokwenza isaphulelo ukuba senzeke. Kwimeko enjalo, ukufumana izizathu zethemba kunzima kwaye kunzima ukuba imali iye kwi Iiparquets istock exchange. Abatyalomali bayasilela, ukuthengisa kuyaqhubeka, kwaye iimvakalelo zokuwa simahla zilawula.
Ukuthengiswa ngaphezulu kuneepesenti eziphezulu kakhulu, kwezinye iimeko ngaphandle kwesiqhelo. Kulapho, ngexa lokumangaliswa, le ntshukumo inyukayo yethutyana iqala ukubamba ngesantya esiguqukileyo abagcini abangabalekiyo abangazithembanga kwizabelo kuba bekholelwa ukuba amaxabiso ezokhuseleko aya kuwa kakhulu kwiiseshoni ezizayo. Amava kwindaleko yeentengiso zentengiso abonisa ukuba ukunyuka akukho mda okanye ukuwa okungapheliyo. Oku kuthetha ukuba emva kwayo yonke idatha emitsha yengqesho e-United States inokubangela ukubuyela kwimarike yezabelo zamanye amazwe. Kodwa ke lumka kakhulu, kuphela ekubeni imeko engezantsi inokuba yinto ecacileyo ye-bearish okanye ubuncinci.
Ngayiphi na imeko, ukubuyela kwezi mpawu kunokuba nokusetyenziswa kabini. Kwelinye icala, ukuthatha ithuba lokusebenzisa ngokukhawuleza okukhulu, okwenziwe nakwiseshoni enye yokuthengisa. Ngelixa kwelinye icala, zisebenza njengesicwangciso sotyalo mali ukuthengisa izikhundla kukhuseleko ngexabiso elingcono kunangaphambili. Ukuya kwinqanaba lokuba ilahleko ayizukuphakama njengakwezinye iimeko ze-bearish. Njengokuba sisihlandlo sokuhlengahlengisa amaxabiso ukuba ixesha lokuhlala liza kujoliswa kwiinyanga ezininzi. Akukho mathandabuzo ukuba ukuwa okungathethekiyo okwenzekileyo kwiimarike ngenxa yesiphumo secoronavirus kunokubangela le meko kwiimarike zokulingana kwihlabathi liphela.
Zivela phi iingxowa?
I-2019 ngomnye unyaka weencwadi ezirekhodiweyo kwimarike yemasheya. Njengoko kulinganiswe yi-S & P 500 Index, intengiso inyuke nge-29% emangalisayo kunyaka ophelileyo. Kunzima ukuphikisana nolo hlobo lwempumelelo, ngakumbi kwinqanaba langoku lemarike yenkomo esondela kunyaka weshumi elinanye. Ngokuqinisekileyo ufuna ukugcina isahlulo esibalulekileyo sepotifoliyo yakho kwintengiso, ngakumbi kwingxowa-mali yesalathiso ebotshelelwe kwi-S & P 500. Akukho ntengiso yeenkomo ihlala ngonaphakade, kodwa le ayibonisi zimpawu zokuphela.
Okwangoku, indibano enkulu yonyaka-enkulu kakhulu kwimarike yenkomo-inokuba luphawu lokuba lixesha lokuba ulumke kancinci. Oko akuthethi ukunciphisa izenzo zakho. Endaweni yoko, unokufuna ukukhetha ngakumbi ngokujolisa kumacandelo angaphandle kwe-S & P 500 kuphela. Nokuba imarike iyonke iyacotha, amacandelo athile asenamandla amakhulu okuqhubeka nokukhula.
Kwicandelo lezamandla, ayinakuphikwa into yokuba utshintsho lwemozulu lukhawuleza lube yinto eshushu yezopolitiko. Eli inokuba lixesha elihle lokujongana namandla acocekileyo. Ingxowa-mali ekhethekileyo kweli candelwana yi-iShares Global Clean Energy ETF (ICLN). Kwakungekho nasemva kakhulu. Ngexesha leenyanga ezili-12 eziphela ngo-Novemba 30, 2019, le ngxowa-mali ibenemali eyi-25,41%. Amandla acocekileyo anokuba yenye yeemidlalo ezinkulu kule minyaka ilishumi.
IiTrasti zoTyalo mali
Ukuthengiswa kwezindlu kungqineke kulolona tyalo-mali lubalaseleyo ngalo lonke ixesha, kunye nembuyekezo ethelekiswa ne-S & P 500 kwixesha elide. Kodwa ukuba ngumnini wepropathi kunokuba ngumsebenzi notyalo-mali. Ngaphezu koko, ukuthenga iipropathi ezizodwa kuyimali enkulu, kwaye kungakushiya uvulelekile kubaqeshi abangahlawuli irente, kunye neenyanga zengeniso elahlekileyo phakathi kwerenti.
Ukuba ufuna ukutyala imali kwiarhente yokuthengisa izindlu nomhlaba, kodwa ungafuni ukubeka imali yakho ebomini okanye ungcolise izandla zakho, enye yeendlela ezilungileyo kukutyala imali ngokuthenga izindlu nomhlaba.
U-Anthony Montenegro, umsunguli weQela leBlackmont, ucaphula imithetho emibini edumileyo kaWarren Buffet yotyalo mali: Umthetho wokuqala: ungalahli imali. Umthetho inombolo yesibini - khumbula umthetho inombolo yokuqala. "Ngelixa amathuba okukhula ethe xhaxhe ngo-2020, ikwalicebo elilungileyo ukugcina isicwangciso-qhinga sothango ngenxa yokwanda kokungaqiniseki kweemarike," ucebisa uMontenegro. “Ngenxa yokukhula koxinzelelo kwezopolitiko kunye nemfazwe yorhwebo engasonjululwanga, amacandelo amabini azinzileyo ukutyeba kakhulu ngo-2020 zizinto eziluncedo ingakumbi izindlu nomhlaba. Unokuba ngumnini wezindlu nomhlaba ngeeReITs. Ezi zinto zibanjiweyo ziyaqhubeka nokuvuza isivuno esisahlulayo, ukugcina ukungazinzi okuphantsi xa kuthelekiswa ne-S & P. Kananjalo abachaphazeleki kwiirhafu zorhwebo kuba iarhente yokuthengisa izindlu nomhlaba ayixhomekekanga kuthengiso ngaphakathi.
Iipropati ezikhethekileyo
I-REIT ifana nengxowa mali yotyalo-mali eneepropathi ezizodwa. Baqheleke ngokukodwa kumacandelo athile, afana nezakhiwo zeofisi, indawo yokuthengisa, okanye indawo yokugcina. Kodwa mhlawumbi eyona nto unokukhetha kuyo yonke i-2020 nangaphaya iya kuba zii-REITs zeNdlu. Ngamaxabiso endlu anyuka ngaphaya kwenqanaba lokufikeleleka kuninzi lweemarike zomsebenzi ezilungileyo, ukuqesha kuyeyona ndlela ikhethwayo kwezindlu.
Umzekelo obalaseleyo we-REIT yendawo yokuhlala yi-Equity Residential Property Trust (i-EQR). Itrasti inayo okanye ityala imali ngaphezulu kweepropathi ezingama-300 ezikwiimarike eziphezulu ezifana neNew York City, Washington DC, Boston, Southern California, San Francisco, Seattle naseDenver. Ngamaxabiso endlu anyuka ngokuthe chu kwezo marike, iiflethi kufuneka ziqhubeke ukufuna kakhulu kwikamva elibonakalayo. I-EQR ivelise imbuyekezo iyonke engaphezulu kwama-25% kunyaka ophelileyo.
Ii-REIT zeeflethi zinokuba lolunye uhlobo olomeleleyo kwipotifoliyo yesitokhwe, ukubonelela ngembuyekezo entle nokuba isitokhwe sentengiso yemasheya. Kwelinye icala, ayinakulityalwa ukuba ukhathalelo lwempilo luye lube licandelo elihlala likho, nokuba imeko yentengiso ngokubanzi ingaziphathi kakuhle. Nangona icandelo lokhathalelo lwempilo luphelele emva kwe-S & P 500 kwi-2019, i-SPDR S&P Biotech ETF (XBI) ihambise unyaka omnye ukubuyela kufutshane ne-30%. Ingabonisa ithuba lokuqhubeka nokwenza imbuyekezo enamanani aphindwe kabini kwishishini elinentsebenziswano encinci.
"Nangona icandelo le-S & P 500 lokhathalelo lwempilo liqikelele ukukhula kumvuzo ngo-2020 we-12%, ithengisa ngesaphulelo kumgangatho wayo wokukhula ngexabiso le-17x / umvuzo omninzi," utshilo umnikeli ovela eForbes, eRandy Watts. “I-S & P 500 iyonke ingqikelelo yomvuzo xa ikhula ngo-2020 yi-9% kwaye ithengisa ngexabiso lokufumana umvuzo amaxesha ali-17. Sikrokrela ukuba ngenxa yezoqoqosho lweli lizwe lubuthathaka kakhulu, ukukhula kwe-S & P 500 kulindeleke ukuba kudanise kulo nyaka uzayo, ngelixa umvuzo wezempilo kufuneka uzinze. "
Ukuba unomnqweno wokufumana umngcipheko, icandelo lezamandla linokufanele ukujongwa kakuhle. Ayisiyiyo kuphela into yokuba icandelo liqhube kakubi kwintengiso ngokubanzi kule minyaka idlulileyo, kodwa imeko ye-geopolotiki e-Middle East etyebileyo ibonakala ngathi iyafudumeza, ngakumbi phakathi kwe-US ne-Iran. Nakuphi na ukuphazamiseka okubalulekileyo kwi-oyile ephuma kuloo mmandla kunokubangela amandla ukuba anyukele phezulu ebhodini.
Tyala imali kuwe
Zimbini iindlela zokwenza ukuba olu tyalo-mali lusebenzele:
Fumana izakhono kunye / okanye izatifikethi eziya kukunceda uqhubele phambili kwikhondo lomsebenzi okhoyo, okanye
Fumana izakhono kunye / okanye izatifikethi eziza kukunceda uqalise ikhondo elitsha lomsebenzi.
Esinye sezizathu eziphambili zokuma kwamakhondo kukuswela iziqinisekiso. Esi inokuba sisiqinisekiso esiphambili kwicandelo lomsebenzi wakho, okanye iseti ethile yezakhono eya kukuvumela ukuba uqhubele phambili.
Ngokwesiqhelo ungafumana ezi ziqinisekiso ngokuthatha iikhosi zasekholejini, iikhosi ezikwi-Intanethi, okanye nokuthatha inxaxheba kwiinkqubo ezibonelelwa kumzi mveliso wakho. Kwaye unokufumana izakhono ezongezelelweyo ngokuthatha izifundo ezifanayo, okanye ngokufaka isicelo kwiinkqubo ezikhethekileyo ze-Intanethi kuso nasiphi na isakhono osifunayo. Unokufunda nezakhono ezitsha kwiYouTube.
Naluphi na ulwalathiso oluthathayo, luya kufuna utyalomali lwexesha, umgudu, ewe, isixa esithile semali. Kodwa ukuba oku kuyonyusa umvuzo wakho emsebenzini, okanye kukunyusela, iya kuba lolunye lolona tyalo mali lungcono onokulwenza. Kusenokwenzeka ukuba awuliboni ikamva elibalulekileyo emsebenzini wakho wangoku okanye kwindawo ophangela kuyo. Ukuba kunjalo, ukutyala imali kuwe kubaluleke ngakumbi. Kuya kufuneka uthathe ixesha kwaye wenze utyalomali lwemali ukuze ufumane izakhono kunye nezatifikethi oza kuzidinga ukuze ufumane umsebenzi omtsha, okanye ungene kumhlaba omtsha.
Imakethi yomsebenzi kwinkulungwane yama-XNUMX ikwimeko yokutshintsha rhoqo. Olona hlobo kuphela lokuhlala ufanelekile emsebenzini wakho kukuzigcina kunye nezakhono zakho kwindawo ephambili. Kwaye ngamanye amaxesha kuya kufuneka wenze notshintsho kwikhondo lomsebenzi. Utyalo-mali kuwe, uya kukulungela nasiphi na isiphumo.
Gcina imali kwishishini elisecaleni
Ngokophando olwenziwe ngo-2018 yi-inshurensi, iHartford, ama-25% abantu baseMelika baneshishini elisecaleni. Amanani anjeya abonisa ukuba ayisiyonto iqhelekileyo ukwenzeka, kodwa intsimi inkulu ngokwaneleyo ukuba ungaqalisa eyakho imisebenzi yesiza.
Enye yeenzuzo zokuqalisa ishishini elisecaleni namhlanje kukuba zininzi iindlela zokwenza oko ezingafuneki kutyalo-mali olukhulu lokuqala. Ubuninzi, unokufuna ukutyala imali kumakhulu ambalwa eedola, okanye ungabikho ngaphezulu kwamawaka ambalwa eedola. Kodwa ingeniso eyongezelelweyo eya kuyivelisa inokukuhlawula amaxesha amaninzi ngaphezulu.
Zininzi izizathu zokuba kutheni abantu beqala amashishini esecaleni, kwaye ukuveliswa kwengeniso eyongezelelweyo yeyona nto icace gca. Kodwa abantu abaninzi baziva bevaleleke kwimisebenzi yabo yesiqhelo, ishishini elisecaleni likwabonelela ngethuba lokusasaza amaphiko akho, uhlala usenza uhlobo lomsebenzi owuthandayo.
"Baninzi abantu namhlanje abangonelisekanga ngokwasemoyeni okanye ngokwemali ngomsebenzi wabo wangoku kunakuqala," ucebisa uTom Diem weDiem Wealth Management eFort Wayne, eIndiana. “Ukuqala ishishini elahlukileyo kunokuba yinto yokuvala ezo zikhewu. Eli lixesha lokufunda ngeendlela zokuvelisa uluvo ngendlela yokwenza ishishini lakho lisebenze. Kuza kuthatha iiyure ezininzi ezongezelelweyo kwimisebenzi yabo yangoku, kodwa kuninzi iba ngowona mthombo wemali kunye nobutyebi. "
Omnye weyona miqobo mikhulu ukuqala ishishini esecaleni kukuthatha isigqibo sokuba leliphi na ishishini ongena kulo. Ukuphakamisa okunzima, njengokuqhuba umqhubi we-carpool, kuye kwaduma kakhulu. Kodwa unokugxila nakweziphi na izakhono ezithile okanye iitalente onazo. Cinga ngemisebenzi oyenzayo emsebenzini yonke imihla, kunye nezinye izakhono ezinxulumene neshishini onazo. Ngaba ikhona indlela onokuzithengisa ngayo iinkonzo zakho ngokuthe ngqo kubathengi okanye kumashishini amancinci? Akukho ntengiso yeenkomo ihlala ngonaphakade, kodwa le ayibonisi zimpawu zidinisayo.