Ukufika kokudodobala kwezoqoqosho kuya kwenza urhwebo kwimarike yemasheya lube nzima ngakumbi ukusukela ngoku. Apho kuphela abatyali mali abanemfundo ethe kratya kwezi ntshukumo okanye abo bakhetha i imisebenzi yorhwebo baya kuba nethuba lokufezekisa inzuzo kwiimali zentengiso. Ngayiphi na imeko, kwaye ukuba nethemba ngakumbi, kufuneka kukhunjulwe ukuba amathuba oshishino ahlala eveliswa kwimarike yemasheya. Nkqu nakwezona meko zimbi kwiimarike zezemali.
Kwelinye icala, kufuneka kugxininiswe ukuba le meko intsha izakufuna abatyali zimali abancinci nabaphakathi ukuba babe nobuchule ekuphuhliseni utyalomali lwabo. Apho kuyakubaluleka ukuba khona ikhetha ngakumbi ukuza kuthi ga ngoku ekukhetheni kwezokhuseleko eziza kwenza iphothifoliyo yokhuseleko. Nangona nakweyiphi na imeko unikezelo lweli klasi lokhuselo luza kwehla kakhulu. Kuya kubakho bambalwa kakhulu ekufuneka bekwinkqubo yethu yokusebenza.
Kwimeko yokudodobala kwezoqoqosho, njengoko kuboniswa kwedatha enkulu ye-macro, isalathiso se-equity equity index sinokuhamba siye kumanqanaba angabonwanga kwiminyaka yakutshanje. Ayizothusa into yokuba ngqo ukuya kumanqaku angama-7.500 XNUMX okanye udilize inqanaba lezengqondo elinamanqaku angama-7.000. Ngayiphi na imeko, ukuwa kuya kubaluleka kakhulu kwaye kuya kuchaphazela nasiphi na isicwangciso-mali sotyalo-mali. Ngamanye amagama, ukusukela ngoku kuya kusiba nzima ngakumbi ukwenza imbuyekezo enempumelelo kwimali eyinkunzi etyalwe kwiimarike zezabelo zezemali.
Ukuhamba okufutshane kwe-bearish
Elinye lamaqhosha empumelelo yempumelelo yemisebenzi eqhutywa ziintshukumo ze-bearish kukuba zijolise kwelona xesha lifutshane lisisigxina. Yindlela ekuphela kwayo ukuqokelela ukubuyela eziveliswa phantsi kwale meko. Oku kushukuma kuphezulu akunalo ixesha elithile kuba kunokuhlala iintsuku ezimbalwa okanye kwandiswe kwiiveki ezimbalwa. Kuxhomekeke kubunzulu obufanayo kunye noxinzelelo lokuthenga olukhula ngezo ntsuku. Ke ngoko, akukho ngqiqweni ukwandisa ixesha elibekiweyo kuba ekuhambeni kwexesha siza kuhlala siphulukana nezikhundla zethu kwintengiso yesitokhwe.
Kwelinye icala, ngamaxesha amafutshane sinokuthi sihlale senza inzuzo nokuba imeko esisiseko icacile ukuba iphantsi. Oko kukuthi, singalisebenzisa eli qhinga lincinci kwiimarike ze-equity ukuze sifumane i-euro ezimbalwa eziza kuya kwiakhawunti yethu yokonga ngalo lonke ixesha le ntshukumo isenziwa kakuhle kwimarike yemasheya. Enye yeendlela ezimbalwa zokuzikhusela ukuba abatyali mali abancinci nabaphakathi kufuneka baphume bephila kumzamo wabo wokutyala imali kwiimarike zezemali. Ukongeza, sisicwangciso esingenzima kakhulu kwisicelo sayo.
Umyalelo wokunciphisa umda welahleko
Le asiyondlela yokwenza ulondolozo lwethu lube nenzuzo. Ukuba akunjalo ngokuchaseneyo nokuzama Nciphisa ilahleko enokwenzeka ukuba utyalomali lwethu lusizisele. Ngokukodwa kwiintshukumo ezinzulu ezantsi kuba sinokuphelisa icandelo elibaluleke kakhulu kutyalo mali. Kuba iimarike zokulingana zingawa iinyanga ezininzi okanye iminyaka. Kuyimfuneko ukunqanda ngandlela zonke ukuba le meko ingafunekiyo ifike kwicala labatyali mali abancinci nabaphakathi. Kwilinge lokugcina imali yethu ngaphezulu kwezinye izinto zobuchwephesha.
Ngelixa kwelinye icala, kufuneka kwakhona sigxininise into yokuba intshukumo ye-bearish kwimarike yemasheya kunokwenzeka ukuba iphuhlise imisebenzi ethi ekugqibeleni ingabi nandlela yimbi ngaphandle kokuyilungisa ngokuthengisa kakubi. Ukuze ndi zixhobise ngobutyebi ebusweni bezidingo ezithile kuqoqosho lwasekhaya lwabasebenzisi bemfuyo. Umzekelo, ukulungiswa kwamatyala emgceni wetyala, amatyala phambi kwabantu besithathu okanye bajongane nezona ndleko zibalulekileyo kubomi bemihla ngemihla. Ewe, ngale ndlela, umda wokulahleka komda unokukunceda ukuba wenze ilahleko kwimarike yemasheya ingabi ngaphezulu. Kuza kuhlala kulunge ukugcina i-2% endaweni ye-10% okanye i-20% yotyalo-mali.
Kwixabiso elingamanzi kakhulu
Esinye isitshixo sokusinda kwimeko encomekayo yeemarike zezabelo kukuqhuba imisebenzi yentengiso yesitokhwe kuphela kukhuseleko olunikezela ngemali eninzi kubatyali mali. Ngenjongo ephindwe kabini, kwelinye icala, ukuba banokuhlengahlengisa ukungena kunye nokuphuma kwamaxabiso kwimarike yemasheya ngendlela abayithandayo. Kwaye kwelinye icala, ukubathintela khotyokiswa kwizikhundla zabo ngenxa yokungabikho kwemali ephantsi. Ngokwesiqhelo olu didi lwamaxabiso esitokhwe ahambelana kwinjongo yawo nalawo aneyona mali inkulu incinci kwaye adweliswe kwii-indices zesekethe zezabelo zamazwe. Umzekelo, iDeoleo, iSniace okanye uNatra ukubiza nje abameli beli qela likhethekileyo leenkampani ezidwelisiweyo.
Kwelinye icala, ukhuseleko olungeyonto ikwazisa neengxaki ezinokuthi zenziwe ngobuqhetseba ezimbalwa. Ukuya kwinqanaba lokuba banokubahambisa ngogonyamelo olukhulu, kwicala elinye okanye kwelinye kwaye ngokubanzi ophethe izandla ezomeleleyo yeemarike zezemali. Apho abatyali mali abancinci nabaphakathi ngokwabo zimbalwa iindlela zokuzikhusela ukugcina izikhundla zabo kwaye ngenxa yoko bakwimeko yokuphulukana nemali eninzi kulo msebenzi uvulekileyo. Usenokuba lixhoba lale ntshukumo ngokwakho.
Ukubanjwa kwizikhundla
Ukongeza, kufuneka ixabise into yokuba xa kukho ukungabikho kwemali iya kuhlala ithatha ixesha elide ukwenza intengiso kunye neziphumo ezinokuthi zenziwe leli nyathelo phakathi kwabatyali mali. Njengoko kunokwenzeka ukuba ungazithengisi izabelo zakho ngamaxabiso owafunayo. Ukuba akunjalo ngokuchaseneyo, unyanzelekile unqumle utshintsho olungafunekiyo ngaloo mizuzu. Ukuziqhelanisa, kunokwenza umahluko kwii-euro ezininzi ekusebenzeni kwaye ke kufanelekile ukubaqesha ngenxa yomonakalo omninzi onokuwenza ukusukela ngoku.
Akumangalisi ukuba awungekhe ulibale ukuba la maxabiso aqikelelwa kakhulu kwaye enzelwe ezinye iindlela zokutyala imali kwimarike yemasheya. Ngomngcipheko ocacileyo wokuba ipotifoliyo yakho yezokhuseleko inokuthotywa isidima kwiiveki ezizayo okanye kwiintsuku ezimbalwa zokurhweba, njengoko kunjalo kwezi zindululo zeemarike zestokhwe.
Uhamba ngokuchasene yangoku?
Kwiintshukumo ze-bearish, kuyacaca ukuba amaxabiso aqhutywa yi-inertia yeemarike. Eyona nto iyenzayo kuthetha ukuba kunzima ngakumbi ukufumana amaxabiso aphantsi konyuso okanye ubuncinci. Unokufumana i Inzuzo ejikeleze i-10% yenzuzo ekusebenzeni. Ke ngoko, akusayi kubakho khetho ngaphandle kokusebenzisa iindlela ezithile zotyalo-mali. Ngenjongo yokuphucula iziphumo zayo yonke imisebenzi yethu kwimarike yemasheya kule meko akukho nto inqwenelekayo ngabatyali mali abancinci nabaphakathi.
Phakathi kweenkqubo zokurhweba kwimarike yemasheya kukho ezinye ezinokuba luncedo ngakumbi ukwanelisa iimfuno zethu kwihlabathi elinemali elihlala lilukhuni. Ke, kukho izikhokelo zenyathelo ezinokuthi zibe yinzuzo kunezinye. Ukusuka kule meko, siza kukucebisa ngeendlela ezithile ezilula zokufumana okuninzi kwimarike yemasheya kwimeko engentle yeemarike zezabelo, ezinje ngengqikelelo yeenyanga ezizayo.
Isikhokelo sokwenza okuthile
Umgangatho wokuqala wezenzo kufuneka ube kukuzibeka ngokwamaxabiso acacileyo nditsho. Ewe kunjalo, kuya kubakho ezinye nangona ukuwa kweemarike zezabelo kugcwele. Amathuba oshishino ahlala ekhona ngalo naliphi na ixesha, njengoko abatyali mali abanamava ngakumbi kolu hlobo lomsebenzi besazi.
Elinye icebo kukukhetha isitokhwe esinefayile ye- ephezulu ephezulu enokubakho. Ayizizo zonke ezizakubonisa ukungangqinelani okufanayo kunye nokuqiniseka ukuba kuya kubakho elinye ixabiso, elinezizathu ezahlukeneyo, elinolindelo oluphezulu ekukhuleni. Zizo kanye ezi sitokhwe ekufuneka zenze iphothifoliyo yethu kwelona xesha linzima kwiimarike zezabelo. Apho unokufumana khona izibonelelo kwimisebenzi njengoko kwenzekile nakwezinye izinto eziyehla ezantsi kwintengiso yemasheya.
Enye inkqubo eluncedo kakhulu esinokuthi siyisebenzise ukusukela ngoku yile inento yokwenza nokwenza izinto ezintsha ngexabiso elifanayo. Oko kukuthi, kubizwa njalo ukuthenga kwaye zisetyenziswe kumaxesha amiselwe ixesha eliphakathi kwaye ngakumbi ixesha elide. Ngeenjongo eziphambili zokuzithenga ngamaxabiso asezantsi kakhulu ukuze kule minyaka idlulileyo bafumane inzuzo ekusebenzeni. Phakathi kwezinye izizathu kuba ukubekwa kwabatyali mali kuya kuba phezulu kakhulu kunangaphambili. Oku ngokwenza kuthetha ukuba uya kuba nezabelo ezininzi kwaye ke uya kuba notyalo-mali ngakumbi kwimarike yemasheya.