Ingxaki eTshayina, ngenxa yokuvela kwe-coronavirus, ayichaphazeli ukulingana kwamazwe aphesheya ngokugqithileyo, kodwa ichaphazela uthotho lweempahla. Zombini kwingqondo ye-bearish kunye ne-bullish kwaye inokubangela utshintsho kwipotifoliyo yotyalo-mali kwezi nyanga zimbalwa zizayo. Kungenxa yokuba nangaliphi na ixesha ifuthe layo linokuqwalaselwa kwezinye zeenkampani ezidweliswe kwiimarike zezemali. Esi sesinye sezizathu zokuba kutheni kufuneka silindele ukuba zeziphi iinkampani ezisengozini enkulu kwi-coronavirus. Ukuze ndi suka kubo kwaye ukhethe iiasethi zemali ezikhuselekileyo nezinenzuzo enkulu, okwexeshana elifutshane.
Kule meko ngokubanzi enikezelwa ziimarike zamashishini ezingenanzala emisiweyo, kokubini kuzwelonke nangaphandle kwemida yethu, kubalulekile ukubhaqa ezi zokhuseleko kwimalike yestokhwe. Ukuze ngale ndlela, iinkampani ezincinci neziphakathi zikwimeko ezifanelekileyo zokuhlengahlengisa utyalomali lwabo ukunqanda iziphumo ezingafunekiyo. Ukusukela nakweyiphi na imeko, ifuthe le-coronavirus evele e-China ibangela isiphithiphithi sentengiso ye uqikelelo lweziphumo (isilumkiso senzuzo) salo nyaka phakathi kwamazwe ngamacandelo ahlukeneyo kunye nendalo eyahlukeneyo. Ke kuyabonakala ukuba kuya kufuneka balungelelanise amaxabiso abo ngokwemeko entsha kuqoqosho lwamanye amazwe.
Apho sele kuvele into yokuba ezinye iinkampani ezidweliswe kwiimarike zezabelo zityhila, ngakumbi okanye kancinci iinkcukacha, ifuthe abalibonayo kwingxelo yabo yengeniso yalo nyaka. Ngokuphambuka okubalulekileyo okuphantsi kwezinye iimeko ezibhekisa kwabo banolwalamano olomeleleyo nelo lizwe laseAsia. Kwaye banokuba ngabona bantu bachaphazeleka kakhulu yile nto yokuba iiarhente zezimali bezingenayo ekuqaleni konyaka. Ukuya kwinqanaba lokuba banokuphulukana nemali eninzi kwiinyanga ezizayo ukuba isikhundla sithathiwe kwizihloko zabo. Ukuba yenye yezona mngcipheko ubonakalayo abatyali mali banazo ngoku.
ICoronavirus: kudweliso lwamanye amazwe
Ngaphakathi kwamashishini angaphandle kwemida yethu, kukho iinkampani ezininzi esele zenze uqikelelo oluphantsi. La ngamatyala athile eAlibaba, isigebenga sokutya saseSwitzerland Nestle, Nissan kunye PepsiCo, phakathi kwezona zibalulekileyo zibhengeze ukuba iiakhawunti zabo ziya kuchaphazeleka ngulo msitho wezempilo kwaye imveliso yabo inokubandezeleka. Ukuya kwinqanaba lokuba amaxabiso abo anokulungiswa ezantsi kwangoko kunokuba kamva. Kwaye ke kuya kufuneka uye kude nezikhundla zabo kwimarike yemasheya. Akumangalisi ukuba babeke umngcipheko omkhulu ekusebenzeni kwabo kwaye ngokuqinisekileyo unokulahlekelwa ngaphezulu kunokufumana.
Ngelixa kwelinye icala, kufuneka kugxininiswe ukuba la maqela ezezimali athe athoba uqikelelo lwawo ngokubhekisele kumda wokusebenza walo nyaka, elumkisa ukuba ukuba ingxaki ye-coronavirus iyaqhubeka, iiakhawunti ziya kuba sezantsi. Oko kukuthi, banokubandezeleka ukuncipha okuphezulu kwaye ukunqanda iimeko ezinconyelweyo olona cebiso luluncedo kukuhlala ngaphandle kweemarike zezabelo. Ngokuthatha isikhundla kwezinye iiasethi zemali ezibonisa ukomelela okukhulu kunye nokhuseleko kwaye ezinokuthi zisebenze njengeendawo ezikhuselekileyo zezona meko zintle zeemarike zezemali.
Iziphumo zeNkampani
Enye yezona zinto zibalulekileyo ekufuneka zilindelwe kwiinyanga ezizayo kukuba zinento yokwenza nengeniso phakathi kukaJanuwari noMatshi walo nyaka, ezinokuwa emva kweminyaka yokukhula okuphezulu okuqhubekayo. Ngale ndlela, kunokubakho ezinye izinto ezothusayo ezinokuthi zingalungelelanisi ipotifoliyo yakho yotyalo-mali kwaye awunaso esinye isisombululo ngaphandle koku-odola kwaye lungelelanisa ngeziganeko ezintsha ezenzeka ngoku ukusukela ngoku. Apho owona mngcipheko mkhulu unokuthi ubambeke kwizikhundla zabo kwaye ke unengxaki enkulu kutyalo-mali lwakho. Oko kukuthi, ngexabiso elicatshulweyo likude kakhulu nexabiso lokuthenga kwaye kunokuthatha ixesha elide ukufumana izikhundla zakho zokuqala.
Kufuneka kuqatshelwe ukuba i-China ayisiyoqoqosho lwesibini kuphela ngobukhulu emhlabeni. Kodwa yenye yezona ntengiso zibalulekileyo ze bugcisa, iinkampani zeemoto, zodidi oluphezulu kunye neempahla zabathengi, iinkampani zeenqwelo moya okanye ezamayeza. Amacandelo anokungathandabuzeki ukuba yenye yezona zinto zichaphazeleka kakhulu e-China emva kokuvela kwe-coronavirus kwaye ngenxa yoko kufuneka ithintelwe ubuncinci phakathi, ngakumbi kwixesha elifutshane. Akukho sidingo sokwenza izinto nzima ngamaxesha anje namhlanje, ngakumbi xa ezinye ii-asethi zemali zikhona, zikhuselekile kunezo zikhankanyiweyo.
Ukuhla kwenzuzo
Owona mngcipheko mkhulu wale misebenzi kwintengiso yemasheya kukuba ingeniso yezi nkampani, phakathi kukaJanuwari noMatshi walo nyaka, inokuhla emva kweminyaka yokukhula okuphezulu okuqhubekayo. Ukuya kude uye ezantsi kwaye oko kunokukhokelela ukubanjwa inyathelo elitshintshiweyo ngabatyali mali abancinci nabaphakathi. Ngayiphi na imeko, iziphumo zecoronavirus azinakufika kwakamsinya, kodwa endaweni yoko kufuneka ulinde iinyanga ezimbalwa. Njengomzekelo kwikota yesibini okanye yesithathu yalo nyaka kwaye apho ukuhla kwexabiso kumaxabiso kwimarike yemasheya kunokwenziwa. Ke ngoko, kubalulekile ukwenza ngononophelo olukhulu ngezi asethi zemali ukusukela ngoku.
Kwelinye icala, ziinkampani zokunethezeka kunye nokusetyenziswa ngobuninzi, iinqwelomoya okanye iinkampani ezixuba amayeza, kodwa ikwangumzi mveliso omkhulu wehlabathi apho abatyali mali kufuneka banonophele kuhlalutyo lwabo ukudibanisa ipotifoliyo yotyalo-mali. Ngaphandle kwento yokuba kwiinyanga zokuqala zika-2020 ibhalansi iyancipha kwimidla yabatyali mali. Ngomvuzo ophakathi kwiimarike ze-equity kufutshane ne-5%, ngakumbi leyo yase-United States, ebingathinteleki kangangeminyaka emininzi kwaye kunjalo ngamaxesha aphakamileyo. Kwi-rally ene-bullish engazange ibonwe kwinkulungwane edlulileyo.
Iziphumo kwimarike yaseSpain
Ngokumalunga nengeniso eyahlukileyo yelizwe lethu, kufuneka kuboniswe ukuba ibuyise inqanaba lezengqondo elinalo Amanqaku e-10.000. Nangona kuya kufuneka ujonge ukuba ingabamba ixesha elingakanani kula manqanaba abalulekileyo okanye ukuba, ngokuchaseneyo, yintyatyambo yosuku olunye. Ngayiphi na imeko, iziphumo zecoronavirus zinefuthe elahlukileyo kumaxabiso wentengiso eqhubekayo yaseSpain. Apho kukho iinkampani zamacandelo okusetyenziswa ngobuninzi, iinqwelomoya kunye ngokubanzi ezijikelezayo ezinokuthi zisebenze kakubi kwiinyanga ezizayo. Ukuya kwinqanaba lokuba sele bebonisa iimpawu zobuthathaka kulungelelwaniso lwamaxabiso abo kwaye nakweyiphi na imeko kufuneka babekho kwimali yokuhlawula amatyala ngaphambi kwento enokwenzeka.
Kwelinye icala, yonke imiqondiso ibonisa ukuba ngaxa lithile izilungiso ekudala zilindelwe zinokwenzeka kwaye ngale ndlela i-coronavirus inokuba sisizathu sokubonakala kwezi ntshukumo. Nokuba kuyindlela enobundlobongela enokubambisa abatyali zimali abancinci nabaphakathi. Le yenye yeemeko abanye abahlalutyi bezemali abayibonayo ngenxalenye yesibini yalo nyaka okanye abalindele ukuba kwikota yesibini. Ukusuka apho abasebenzisi bempahla banokuphulukana nemali eninzi kwiipotifoliyo zabo zotyalo-mali kwaye into ekufuneka bayenzile ayifikeleli kula manqanaba omngcipheko ocacileyo. Ngezinye iindlela ezimbalwa ngaphandle kotshintsho kwiimarike zezemali.
Izikhundla ezifanelekileyo kwimarike yemasheya
Ngokuchasene noko, lukhona olunye uthotho lwamacandelo kunye nezitokhwe ezinokuba yinzuzo kakhulu kule meko intsha inikezelwa ngamashishini alinganayo, kuzwelonke nakwamanye amazwe. Ukusuka apho ungafumana khona iingeniso ezinkulu zekapitali, nangona kuyinyani ukugcina uxinzelelo kolu hlobo lokusebenza. Elinye lala macandelo ngokungathandabuzekiyo yi zombane ukuba ihamba ngelona xesha layo lihle kuyo yonke imbali yayo yentengiso. Ukuza kuthi ga kwinqanaba lokuba ezinye izindululo zikwimo yokunyuka simahla, ezona zilungileyo kakhulu kwimidla yabatyali mali abancinci nabaphakathi. Phakathi kwezinye izizathu kuba abasenayo inkcaso phambili.
Elinye lamacandelo emarike yemasheya anokuthi enze ngcono kunamanye usokhemesti. Inganyuka ngokuhambelana namaxabiso ayo ukusukela ngoku ukuya phambili kwaye ke ukuphucula iziphumo zakho kwiakhawunti yakho yokonga ukuphela konyaka. Ngaphandle kokungazinzi okukhulu okwenziwa kuqwalaselo lwamaxabiso abo, njengoko bezisa umahluko omkhulu phakathi kwamaxabiso aphezulu kunye neyona isezantsi. Ngokwahluka okunokufikelela kwi-5% okanye ngamandla amakhulu kule parameter. Yeyiphi imeko efanelekileyo yokusebenza kwabarhwebi kuba banokwandisa ukusebenza kwabo kwisithuba esifutshane kakhulu sexesha, nokuba umahluko kuphela weeyure.