Olunye loloyiko olukhulu abanalo abatyali mali okwangoku kukuba kunokubakho ukuqhekeka ngamandla kwiimarike zokulingana kwihlabathi liphela. Ewe kunjalo, oku kuboniswa ngabahlalutyi abathile beemarike abalumkisa ngomngcipheko wokwenene wale nto inokwenzeka. Abanye, kwelinye icala, aboyiki kangako kuqikelelo lwabo kwaye baqikelela ukuba kwimeko embi, enokuthi iveliswe lulungiso olubalulekileyo kumaxabiso ezabelo. Kodwa ayikho enye into.
Ngayiphi na imeko, lolunye ukhetho onokucinga ngalo. Ngokukodwa ukuze ungabanjwa ngesantya esiguqukileyo kwaye kunokubangela ingxaki engaphezulu kwesinye kubhalansi lweakhawunti yakho yokujonga. Ayilolize, amava amadala okhe waba nawo kwimarike yemasheya anokukwenza ukuba uye phambili kwaye ucinge phambili. Isicwangciso esiza kusetyenziswa siza kuba phi gcina ukhuseleko ngaphezulu kwembuyekezo onokuyifumana ukusukela ngoku. Kuba, ngenene, izibonda ziphezulu. Akukho nto ingako, akukho nto ingaphantsi kwemali yakho.
Ngapha koko, kuya kuba lula kakhulu Ukuphonononga uthotho lweedatha zoqoqosho kunye nesitokhwe ukubona ukuba ngenene kunokwenzeka ukuba ukuphazamiseka kwizabelo zamashishini anokulingana. Iya kuba yeyona ndlela ilungileyo yokufumanisa olu tshintsho onokukunika lona kule minyaka imbalwa izayo. Kwaye ngokusekwe kuyo, uyile ipotifoliyo ekhethekileyo yezokhuseleko. Apho ungayilahli khona imbuyekezo enokulondolozwa yile meko intsha
Intengiso yaseNtla Melika kwindawo ephezulu
Elinye lamaqhosha okuchaza ukuwa ngesiquphe kwiimarike zamasheya kungenxa yenyani yokuba ii-indices eziphambili ze-United States zikwi amaxesha onke aphezulu. Abayekanga ukunyuka kule minyaka idlulileyo. Ngaphandle kwazo naziphi na izilungiso, kwaye ukwikhosi emfutshane kakhulu. Ewe kunjalo, lo mkhwa kuya kufuneka uphele ngaxa lithile. Isitshixo kukuqina kwayo kunye nendlela eya kuveliswa ngayo. Ukuba ngomhlaba ekuthiwa kunzima ukufika kuwo, okanye ngokuchaseneyo nokuphazamiseka, njengoko abanye abahlalutyi bezemali belumkisa.
Ngale ndlela, ii-indices zaseMelika ziya kuba yithemometha egqwesileyo ukulinganisa oku kunokwenzeka ukuba kungakho ukuwa kwicandelo lemarike yemasheya. Esinye isalathiso sokusingatha le meko imbi iya kuba ngamanyathelo aya kuthathwa ngumongameli omtsha waseMelika, uDonald Trump. Ukuba inye into ecacileyo kunyaka we-2017, kukuba ayizukungakhathali nakubani na, ingakumbi kubatyali mali abancinci nabaphakathi. Ithembisa iimvakalelo ezinamandla ongasokuze uziphose ukusukela kwinyanga kaJanuwari.
Elinye icandelo eliza kuvavanywa ukuze kuqinisekiswe le meko intsha kwii-equities yindlela i Ukuvela kwamazinga enzala ngaphesheya kweAtlantic. Hayi ngelize, iya kusebenza ukukunika umkhondo ongaqhelekanga wokwenza utyalomali lwakho. Ngayiphi na imeko, ziya kudityaniswa ngokusondeleyo kwinqanaba lamandla oqoqosho lwaseMelika. Kwimeko yengozi yemarike yempahla, abahlalutyi bayalumkisa, iyakuveliswa kwangoko e-US kunasemhlabeni waseYurophu. Ukusuka kule ndawo yokujonga, awuzukukhetha ngaphandle kokujonga ixabiso lentengiso yezemali.
Crash: ndlelantle kwiphupha laseYurophu
Enye into enokubangela ukuwa oku kunokwenzeka kwiimarike zesitokhwe ziya kwenziwa ngokugqitywa kwenkqubo yokudityaniswa kweYurophu. Ubuncinci njengoko iqondwa unanamhla. Inkqubo ye- izidubedube zezopolitiko nezentlalo banokuba sisiphelo sendlela. Kwimeko apho, akunakulindeleka ukuba iimarike ze-equity zilindele inyathelo elinamandla ngolu hlobo kuninzi lweeasethi zemali. Ukuza kuthi ga kwinqanaba lokubangela ukuwa kwiimarike zemali. Uvavanyo olwenziwe kutshanje kwi Great Britain kwaye i-Itali ibisisilumkiso kuphela ngento enokwenzeka kule minyaka izayo.
Ewe kunjalo, umbono awuthembisi kakhulu, kwaye ungaphantsi kakhulu kubatyali mali abancinci. Bathatha amanyathelo okhuseleko ngakumbi nangakumbi ekusebenzeni kwabo kwiimarike ze-equity. Akunakukhutshwa ngaphandle ukuba le meko inokuba sisizathu sokuwa kweemarike zezemali kwilizwekazi elidala. Yeyiphi na imeko, kwaye ngokungafaniyo neMelika, ayisiyeyona ndawo iphakamileyo. Hayi nakwindlela ecacileyo necaciswe kakuhle ngoku.
Ayothusi into yokuba kukho amathandabuzo amakhulu malunga nemeko eyiyo Ibhanki yaseJamani neyase-Italiya. Okokuba nangaliphi na ixesha banokunika uloyiko lokuthathelwa ingqalelo okukhulu kubatyali mali abanezikhundla ezivulekileyo kwiimarike ze-equity. Kwimeko apho, baya kuba lelinye lawona macandelo asengozini yokuhla kwamaxabiso. Umahluko omkhulu ngokubhekisele kwabanye. Ukusuka kwimeko enokubakho, kunokuba sengqiqweni ngakumbi ukuba kude nexabiso labo. Ubuncinane kwixesha elifutshane neliphakathi.
Ukubuyela umva kuhlumo lwehlabathi
Ngokuqinisekileyo iya kuba yenye yezona zinto zibaluleke kakhulu ukuba le meko imbi izalisekiswe kwiimarike zesitokhwe. Kuba, enyanisweni, ukudodobala kwamandla emali kunokubangela ukubhubha kubaphathi behlabathi liphela. Zimbalwa iiasethi ezinokusindiswa koku kungafaniyo kwaye kuyamangalisa "gcina ngubani onako." Zimbalwa iinkampani ezinokuzisindisa ekutsheni nangokongeza bonke abatyali mali bazo. Uyabona yehla iphothifoliyo yakho kwiiveki ezimbalwa, nkqu nakwiintsuku ukuba idatha imbi kakhulu kunokuba bekulindelwe.
Ayisiyonto ngaphandle kombuzo, njengoko kuphawuliwe ngabahlalutyi abaziwayo beemarike zezemali. Ngokukodwa ngokubhekisele kwilizwekazi elidala, kulapho badala khona yeka uqikelelo kuhlumo lwaseYurophu. Ukuya kwinqanaba lokuba inokwenza ukuba imarike yesitokhwe yaseYurophu itsibe okomzuzu ongalindelekanga. Ngale ndlela, ukuvela koqoqosho lwaseTshayina kunokuba ngomnye umthombo wokungazinzi okunokuchaphazela ukuthengisa. Ngapha koko, ngexesha lasehlotyeni kunyaka ophelileyo, idatha engeyiyo yomsebenzi wayo wezoqoqosho ibangele ukuwa okukhulu kwiimarike zesitokhwe kwihlabathi liphela. Isilumkiso, ngokoluvo lwabahlalutyi bezemali.
Ukuze bangabanjwa ngaphandle komdlalo kweli candelo, awuzukukhetha kodwa ukuba unikele ingqalelo kwidatha enikezelwa rhoqo yimibutho ephambili yamanye amazwe. I-IMF, i-BMI kunye namanye amaziko zezinye zezo zikhupha. Ayothusi into yokuba baya kukunika isikhokelo esingaphaya kwesinye malunga nokuba uqoqosho lwehlabathi luhamba phi ngalo mzuzu. Ukuze ngale ndlela, ungene kwaye uphume kwiimarike ze-equity ngokuxhomekeke kumzuzu wokudibana.
Izilumkiso zorhwebo
Akukho kunqongophala koqikelelo lokuba ezinye zeengcali ezibalulekileyo kwiimarike zezemali bezisenza. Sele kuyiminyaka ngoku, bebhekisele kwinto yokuba a bubble ezingxoweni phantse wonke umntu. Akwaziwa nokuba ezi zimvo zivela kwimidla ethile okanye kwinyani uninzi lwabatyali zimali abancinci nabaphakathi abasenako ukufikelela kuyo. Kuyo nayiphi na imeko, iya kuba sisizathu esifanelekileyo sokungenisa onke amanyathelo afanelekileyo okhuseleko ukukhusela imali.
Le mithombo minye ayizikhupheli ecaleni ezinye iiasethi eziyimali ezifanelekileyo ngokubaluleka kule ntlekele. Umzekelo, ngokubhekisele kwi kwiimarike. Kwakhona kwezi mveliso zezemali kwabakho isilumkiso esinzulu kunyaka ophelileyo ngokuwa okubalulekileyo ngokwenzuzo yabo. Ukuza kuthi ga kwinqanaba lokuba uninzi lwee-mutual fund eziphethe ilahleko ezigqithileyo kwezi zikhundla.
Ukusuka kolu luvo, elinye lawona maqhinga alungileyo onokuwathatha kukukhetha i amaxabiso okusabela ezigcina ukuthengiswa kwakho ngokufanelekileyo. Enye yezi asethi yigolide, esele iqhuba kakuhle kakhulu kwiinyanga ezidlulileyo. Isilumkiso malunga nemeko yokwenyani yeemarike zesiko. Apho indawo elungileyo yabatyali mali baphambukisa ukonga kwabo. Iya kuba lolunye ukhetho onokuluvavanya ukwenza ipotifoliyo yakho yotyalo-mali kunyaka olandelayo.
7 izitshixo zokuphila
Ewe ubudlelwane bakho nehlabathi lotyalo-mali abuyi kuba lula ukusukela ngoku. Okanye ubuncinci njengemithambo yangaphambili. Le yinto ekufuneka uyicinge ngokukhawuleza. Iya kukunceda ugcine ikapitali yakho kwaye uphucule nembuyekezo onokuyifumana ukusukela ngoku. Ukuququzelela lo msebenzi, akufuneki uphoswe ziingcebiso ukuze uphile.
- Ngokuqinisekileyo kuya kufuneka uthathele ingqalelo imeko apho banokuphuhla khona ukwehla okubonakalayo kumaxabiso. Oku kunokwenzeka ukuba kunjalo.
- Utyalomali lwakho kufuneka lube khawuleza kakhulu kwaye uyenze phantsi kwamaxesha amafutshane kakhulu okusisigxina ukuze ungabinakho ukubambeka kwizikhundla ukuba kwenzeka imeko ethile engathandekiyo.
- Kuya kucetyiswa kakhulu ukuba ukhethe amaxabiso akhuselekileyo kwaye banamanqanaba amahle okuhlawula amatyala. Iya kuba sisicwangciso esiliqili esisebenzayo ukuze singakhathazeki ngakumbi kunokuba kufanelekile.
- Ukungabikho kwezorhwebo ayisiyombono imbi nayo. Inokukunceda ukuba usebenzise yonke into mathuba o shishino Ezithiwe thaca kwizabelo.
- Kulunge kakhulu ukuba Ulwahlulo olwahlukeneyo endaweni yokugxila kwixabiso elinye kwimarike yemasheya okanye ezinye iimarike zezemali. Uya kuthintela ingozi eyongezelelweyo kwiintshukumo zakho.
- Sukuzama uku ukungxama iindawo zokuphumelela, kodwa kuya kufuneka uyazi ukuba urhoxa njani ngexesha. Ukukukhusela ekungeneleleni kwiimalike zemali.
- Ngaphantsi kweemeko ucinga ukuba Iimbuyekezo ezivela kwiminyaka edlulileyo kufuneka ziphindwe ukususela ngoku ukuya phambili. Oku akusoloko kunjalo, njengoko oku kulingana kwaye kungalungiswa. Ukuya kwinqanaba lokuba ungazigqwetha iinjongo ozibekele zona kwizicwangciso zakho.