Kunyaka olandelayo u-2017 uzibonisa ngokungaqiniseki okukhulu kunangaphambili. Ngothotho lweziganeko ezinokuthatha ukulingana kwamazwe aphesheya ziye ezantsi, ukuba ayizizo ezembali, ubuncinci kule minyaka idlulileyo. Gcina imali, nangeyiphi ndlela, iya kuba nzima ngakumbi kunakwiminyaka edlulileyo. Ukuya kwinqanaba lokuba ukhuseleko luya kuba lelinye lamaxabiso axabisekileyo ekufuneka ukhathalele kuwo kwimisebenzi yakho kwintengiso yesitokhwe.
Ezinye zeemeko ezinokuthi ziveliswe ziya kuba zintsha ngokupheleleyo. Kodwa abanye abayenzi, kodwa ngokuchaseneyo, bebekhe bafihla kwi-panorama yezemali iminyaka ethile kwaye banokuvela kwakhona nangawuphi na umzuzu. Awunakukhetha ngaphandle kokuhlawula ingqalelo ekhethekileyo kubo ngenjongo ongayithathiyo Akukho isimanga esibi ukusukela ngala mathuba.
Imakethi yentengiso iya kuxhomekeka kwezi ziganeko kwiinyanga ezilishumi elinambini ezizayo. Ngamandla aya kuphawulwa kukubaluleka anokukuzisa kwiimarike zezemali. Inxalenye elungileyo yazo yendalo yoqoqosho, kodwa kwezopolitiko nakwezentlalo. Ngayiphi na imeko kukho into enye eqinisekileyo kwaye kukuba kulo nyaka awuzukukruquka phantsi kwazo naziphi na iimeko ukuba ukhetha ukwenza utyalo-mali kwimarike yemasheya.
Iziganeko: ukunyuka kwenqanaba
Iimarike zezemali ziya kujonga kakhulu kwizigqibo ezenziwe yi-European Central Bank (i-ECB) malunga nezabo umgaqo-mali. Ingakumbi yonke into enokwenza notshintsho kumazinga enzala. Akunakukhutshwa nangayiphi na indlela ukuba kulo nyaka kuya kubakho ukunyuka kwenqanaba lenzala. Ukuba kuyenzeka, ukusabela kwizabelo zeYurophu kunokuba ngokucacileyo kwi-bearish. Nokuba uzantywiliselwa kwinkqubo yokuwa kwexesha elide.
Iibhanki ziya kuba zezona zixabiso zichaphazeleka kukusetyenziswa kwalo mlinganiso. Ngobungqina bokuba banokuba nazo ukwehla okunamandla kakhulu kumaxabiso abo. Ewe kunjalo, ngaphezulu kwamanye amacandelo esitokhwe. Ke ngoko, kuya kufuneka ulumke xa uvula izikhundla kwimarike yemasheya, kuba ukuba wenza njalo kweli candelo libalulekileyo, unokuba neengxaki ezinkulu kwipotifoliyo yakho.
Kuzo zonke, ukunyuka kwamazinga, ukuba kuyenziwa, kuya kuhamba kancinci kwaye kuya kubonakala ngakumbi kunyaka ka-2017 uqhubele phambili. Ngokukhethekileyo kwiikota ezimbini zokugqibela. Akuyi kubakho khetho ngaphandle ulijongele phantsi eli candelo Ukukukhusela kwiziphumo ezinokubakho kwizicatshulwa zakho. Ukusuka kwicala elilungileyo, kuya kukunceda ukuba uthenge izabelo zabo ngamaxabiso okhuphiswano ngakumbi kunangoku.
Kananjalo awunakulibala ezo zinokudlulela kwelinye icala lolwandle. Apho kubonakala kucacile kune Federal Reserve yaseUnited States phumeza esi sicwangciso semali rhoqo. Kwimeko apho, ayizukuchaphazela iimarike zezemali ngokungathi iyenzeka kwilizwekazi elidala. Kodwa okungafanele kulityalwa kukuba inzala iya kudlala indima ebaluleke kakhulu kwikamva leemarike zemasheya kule minyaka izayo.
Ngo-2017: ukhetho oluphambili eYurophu
Ukuqeshwa kwabavoti iya kuba yimeko entsha ethiwe thaca ngo-2017. Ziza kubanjelwa eFrance naseJamani, phakathi kwamazwe achaphazelekayo kuqoqosho lwamanye amazwe. Ukuza kuthi ga ngoku, ezi khomishini zibalulekile, kwaye zinokuphumelela amaqela afanayo okanye iintshukumo ngokuvulekileyo ngokuchasene ne-euro kunye neprojekthi yomanyano lwaseYurophu. Kuya kufuneka uphinde uvavanye oku kunokwenzeka, okunokuba kuyinyani.
Ukuba le meko iyenzeka, ngokuqinisekileyo iingxowa ziya kuwa ngamandla amakhulu. Ukuya kumanqanaba angazange abonwe ngaphambili, mhlawumbi. Olu khetho luya kuvumela ukuguquguquka ifakwe ngokuqinileyo kwii-indices zelizwekazi elidala. Ngaphandle kwamandla angaqhelekanga, apho abathengisi bayakoyisa abathengi. Ukuncama umbono wakho wokwenza iarhente yakho yobuqu ibe yinzuzo.
Enye imeko enokuvela ukusukela ngoku kukuba udliwanondlebe oludumileyo lwenzeka kwamanye amazwe. Ukulungiselela ukukhuthaza ukumka kwabo kwimibutho yoluntu. Kwakhona inokuchazwa kakubi kakhulu ngabatyali mali. Ngobungozi obungaphezulu kokucaca bokuwa kwiimarike zezabelo. Ukuthintela le meko inzima, kuyacetyiswa kakhulu ukuba ukhethe ezinye iiasethi eziyimali.
Into yobunqolobi
Esinye isiganeko esinokukhokelela kwiimarike zamasheya kwindlela ebukhali kakhulu esezantsi kukubonakala kwakhona kohlaselo lwabanqolobi kumhlaba waseYurophu ngenxa yamaqela amaSilamsi. Kuya kuba yinto enzima kakhulu kuzo zonke iibhegi. Kunye ukwehla kwamacandelo njengesicwangciso-qhinga njengokhenketho, ezothutho, amaxabiso ombhoxo kwaye mhlawumbi nebhanki Nokuba yeyiphi na indlela, le micimbi yinto ongenakuyibona kwangaphambili nangayiphi na indlela. Kananjalo alunakulunga naluphi na uhlobo lwezicwangciso zotyalo-mali.
Indlela ekukuphela kwayo yokuphepha oku kukungathathi indawo egqithileyo esitokisini okanye kumacandelo ezabelo abasesichengeni kwezi ziganeko ziphikisayo. Kuyinyani ukuba ukusikwa kwamaxabiso abo kunokuba yinto ethe ngqo, kodwa kakhulu ngokumalunga nobungqingqwa babo. Apho esona sicwangciso silungileyo siya kuba ngaphandle kweemarike zezemali. Ubuncinci abo baqwalaselwa njengesiqhelo. Iindawo ezikhuselekileyo zokukhusela iiasethi kunye neeasethi mazibe yeyona ndawo iphambili yegalelo lakho.
Yimeko enokutyalwa nanini na ngaphandle kwesaziso sangaphambili. Kuya kufuneka uzilungiselele Jikelezisa ngokuchanekileyo ipotifoliyo yakho yotyalo-mali. Kungenxa yokuba, inokwenzakalisa kakhulu umdla wakho. Kwaye eyona ndlela yokufumana ukuphuma kule meko kukuyicwangcisa ngeendlela ezizezinye apho imali yakho ikhuseleke kakhulu ngalo maxesha.
Ukukhula koqoqosho olusezantsi
Enye into eya kuthi ichaphazele kakhulu ukuvela kwemarike yemasheya kulo nyaka kukuba iziphumo ekukhuleni kunjalo kubi kakhulu kunokuba bekulindelwe. Iya kuba yenye yezinto ezibangela ukuba iingxowa zikhathaze ukuwa okungaphezulu. Mhlawumbi ngokungenakuphikiswa ngokungafaniyo nezinye iziganeko esikuchazela zona kweli nqaku. Isalathiso malunga nento enokwenzeka kuqoqosho oluphambili lwehlabathi siya kuvela kwiingxelo ezilungiselelwe yimibutho ephambili yezoqoqosho. Phakathi kwabo, abo beBhanki yeHlabathi okanye iNgxowa-mali yeMali yeHlabathi, phakathi kwezona zibalulekileyo.
Nakuphi na ukwehla okukhulayo kokuhluma koqoqosho kuyakutolikwa njengento ebonakalayo uphawu lobuthathaka oko kuyakuqhubela phambili amanyathelo kumanqanaba asezantsi kwikoteyishini yabo. Le yimeko ongenakuyilawula phantsi kwazo naziphi na iimeko. Kwanabahlalutyi abathile abaqwalaselweyo bayakholelwa ukuba oku kuyakwenzeka ngenene. Kuya kuthatha irhafu kutyalo-mali lwakho kwimarike yemasheya. Mhlawumbi ngamandla amakhulu kunezinye iimeko ezahlukeneyo.
Kuya kufuneka unike ingqalelo iiakhawunti zeshishini Iinkampani zaseSpain, ukujonga inguquko yazo. Ukuze ngale ndlela, ukwazi ukuphuma kwiimarike zemali kwangoko. Kwaye thintela ukuwa okongeziweyo nakweyiphi na kwezi zindululo zentengiso yesitokhwe. Hayi ngelize, apha uya kuba nokulula. Isizathu asiyonto ngaphandle kokuba iinkampani ezidwelisiweyo kufuneka zibonise iziphumo zazo kwikota nganye. Kuxhomekeka kubo, banokwahluka ngandlela thile.
Ukubaluleka kokunyuka kwamaxabiso
Njengamaxesha onke, le parameter yezoqoqosho yenye yezinto emisela imeko yeemarike zezemali. Nangona ukuya kwinqanaba elincinci, njengesiphumo sokukhulu ulawulo lwamaxabiso ngemigaqo-nkqubo yemali yemimandla emikhulu yezoqoqosho. Kodwa ke, awuyi kuba nakho ukululibala olu lwazi ukuba ufuna ukutyala imali oyigcinileyo kwimarike yemasheya. Nakwezinye iiasethi zemali zolunye uhlobo.
Kuya kufuneka uyazi ukuba idatha yexabiso lentengo ibaluleke kakhulu ukumisela ukunyuka okanye ukuhla kwenzala. Kwaye oku, nakuphi na ukuphambuka kwiinjongo ezibekwe ngoorhulumente kuya kufaneleka ngakumbi. Ewe akunakuba ngunobangela wokuwa okukhulu kwii-equities. Kodwa ukuba ubuncinci ukwenzela ukuba bakwenze ukuba uphulukane nee-euro ezingaphezulu kokuyimfuneko kulo naluphi na uhlobo lomsebenzi olivulayo kwiimarike zezemali.
Awunakho ukujongela phantsi ukunyuka kwamaxabiso, njengoko oko kungakunika umkhondo wokugqibela apho ulondolozo lwakho kufuneka lubhekiswe kunyaka olandelayo. Elo iya kuba lixabiso eliyinyani ekufuneka ulinikile kule datha yezoqoqosho xa ucwangcisa ukuhamba kwakho kwiimarike zezabelo. Ngale ndlela, inokuba yinto yokunceda ukukhusela umdla wakho ngalo naliphi na ixesha.
Zonke ezi zizinto ezinokuthi zehlise iimarike zentengiso kwihlabathi liphela ngoJanuwari. Kuya kufuneka uwagcine engqondweni kwaye ukuba ungahamba phambili kweziganeko, ngcono. Iya kuba sesona sicwangciso silungileyo sokuba ukhusele umdla wakho njengomtyali mali omncinci onguye. Ngokuhamba ngononophelo olukhulu olwaziyo indlela yokuhlala nokungazinzi okuya kuboniswa ziimarike zezemali.
Kuba, enyanisweni, ukuhla nokunyuka kwamaxabiso ezenzo ngeli xesha kuya kuba namandla kakhulu. Ukukhetha umdla wabalindi, ngokuba nemida emikhulu yokwenza imisebenzi yabo yentengiso. Kunye ukwahluka okunamandla phakathi kwamaxabiso aphezulu kunye neyona seshoni inye yokuthengisa. Ukuba olu lukhetho lwakho, uya kuba nethamsanqa kuba unyaka olandelayo uza kukunika amathuba amaninzi okusebenza ngale ndlela.
Into ebonakala ngathi ayinakuphindwa yile icala lecala njengoko ubuphila kwezi nyanga zidlulileyo. Apho kuye kwaba nzima kakhulu ukwenza ngokusemthethweni nayiphi na iodolo, zombini ukuthenga nokuthengisa. Ngokuqinisekileyo oku kuyakuguqula intengiso enamandla ngakumbi eya kuthi ikunike izindululo ezahlukeneyo zotyalo-mali.