Inokukunceda njani idola kutyalo-mali lwakho?

Imarike yemali inxulunyaniswa ngokusondeleyo kwimarike ye-equity kwaye le yinyani onokuthi uzuze kuyo ukusukela ngoku. Ngokukodwa, ngokwahluka kotshintsho lweemali eziphambili zamanye amazwe. I-Euro, idola yaseMelika kunye nefranc yaseSwitzerland, ngokusisiseko. Inokuba sisiqalo esinomdla kakhulu kuwe ukuvula izikhundla kwimarike yemasheya ngokuzimisela. Kwaye unako phucula indlela osebenza ngayo umsebenzi wakho wezemali.

Ngenxa yokuba, ukuphindaphinda kwidola kuye kwaba yinto echaphazela kakhulu ukuvela kweemarike zezabelo kwiintsuku zakutshanje. Ukuza kuthi ga kwinqanaba lokuba abaphathi abaninzi bahluka ngokwakhiwa kwemali yabo yokutyala ukuze bakwazi ukuziqhelanisa nobume bemali entsha. Apho ifayile ye- izigqibo ezenziwe ziibhanki ezingoovimba zithatha isigqibo sokuba zithathe indaleko enye okanye enye. Ngamafutshane, yenye indlela yokuqonda imarike yemasheya. Kungcono okanye kubi kunabanye, kodwa kwahlukile.

Ukusuka kule meko ngokubanzi, awungekhe ulibale ukuba umnqamlezo phakathi kwe-euro nedola ufikelele kumanqanaba aphezulu ukuxhasa owesibini. Njengomphumo wovavanyo oluye lwaqokelelwa ukusukela Ukunqoba kukaDonald Trump eUnited States ngoNovemba ophelileyo. Kodwa ayinakukhutshelwa ngaphandle, kude nayo, ukuba le meko inokulungiswa kwiiveki ezizayo. Okanye ubuncinci ukumodareyithwa ukuze ibe nefuthe kwiinkampani ezithengisa esidlangalaleni.

Ngubani oxhamlayo kwidola eyomeleleyo?

Omnye wemibuzo yokuqala abatyali mali abancinci nabaphakathi kufuneka bazibuze yona ngabo baxhamlayo kule meko kwintengiso yamanye amazwe. Ewe, kule ndlela ikhethekileyo, abo bagqwesileyo zezona nkampani. Ukuya kwinqanaba lokuba uhlaziyo olukhulu nolunencasa kumaxabiso abo lunokwenziwa. Ukuba yenye yezona zinto zibhejwayo zibukhali ukuphucula ukusebenza kolondolozo lwethu. Nditsho nezinto ezintsha ezinomdla kakhulu kulindelo lwakho njengomtyali mali wevenkile.

Ngaphakathi kweli qela, iinkampani ezithumela ngaphandle, kukho iqela elilungileyo leenkampani ezidwelisiweyo phantse kuwo onke amacandelo ezabelo. Ukusuka kwinkampani yokwakha Ukutya kwinkampani eyenza amayeza iGrifols. Kuba, enyanisweni unokukhetha okuninzi, kuxhomekeke kwiprofayili oyivezayo njengomtyali mali: ophakathi, onolunya okanye ophakathi. Kwaye ngokuxhomekeke kwimiqathango yesigxina apho iintshukumo zakho zijolise kwiimarike zezemali. Sukuba nexhala, kuba ngekhe ube nengxaki enkulu yokuhlangabezana nale mfuno ikhethekileyo ukusukela ngoku.

Ubuthathaka bedola yaseMelika

Kukwakho neziganeko ezinokuthi zithande le meko kwiimarike zotshintshiselwano ukusukela ngoku. Uqoqosho lwelizwekazi elidala lubonakala ngathi luyakhawuleza kwaye kubonakala ngathi iimarike ziqala ukuqonda ukuba i-QB ye-ECE kufuneka iphele ngelinye ixesha. Konke oku kuya kwalatha kulungelelwaniso lwemali. Ukuya kwinqanaba lokuba kungathatha isigqibo sokuba usebenzise ezinye iindlela ukuqhuba izigqibo zakho. Ewe kunjalo, ngeendlela ezahlukileyo ezahlukileyo. Awunakukhetha ngaphandle kokwamkela le nyaniso intsha kubudlelwane bakho neemarike zezabelo.

Ngapha koko, awungekhe ulibale ukuba mhlawumbi kwixa elizayo I-United States Federal Reserve (FED) inokuphinda inyuse amaxabiso enzala. Kule meko, kuya kuba lunomdla ukwazi ukuba zeziphi iinkampani kunye namacandelo azakuxhamla kakhulu kwiidola ezibuthathaka. Ke ngoku kuxhomekeka kolu tshintsho lubalulekileyo, ungakha iphothifoliyo yezokhuseleko kunye neziqinisekiso ezikhulu zempumelelo kwezi zihlandlo zichanekileyo.

Inqanaba elinye eliza kuthatha isigqibo kubudlelwane be-euro nedola liza kuba kwi-1,20 yeedola ngokuthelekiswa ne-1,107 izolo. Ngale ndlela, imeko yezopolitiko eYurophu iyaqhubeka nokubalulekileyo ukuze imeko ibhekise kwelinye icala okanye kwelinye. Nangona umbono wonyulo oluzayo eJamani kwaye iyakuba yintoni inkqubo kaMacron eFrance nayo izakubaluleka ngokukodwa emva kokuphumelela kunyulo lukamongameli.

Ngaphandle kokuchazeka kwidola

Kwelinye icala, kukho inani leenkampani ezidwelisiweyo ezikule meko. Yintoni esinokuyenza kule ndawo ikhethekileyo? Ewe, izibonelelo ezithile zamacandelo ezemali. Njengomzekelo, leyo ye othungelwano apho inokubonakaliswa kwiDeutsche Telekom. Ngesizathu esilula kakhulu kwaye loo nto kukuba imigca yakho yengeniso iyakuxhamla kule nto kwimarike ye-forex.

Amanye amaxabiso anokuba phantsi kwe-radar yokusebenza kwakho yile iinkampani ezolukiweyo okanye iinqwelomoya. Oko kukuthi, abo baneendleko kwiidola. Ukuya kuthi ga kwinqanaba lokuba banokubonisa iindibano ezibalulekileyo kwikoteyishini yamaxabiso abo. Kwaye kwezinye iimeko, inokukhula phantsi kweepesenti ezinkulu. Ithuba elihle lokuba wena wandise ibhalansi yeakhawunti yakho yokutshekisha kutyalo-mali lwakho kwimarike yemasheya. Yindlela ekufuneka uyivavanyile ukuphucula iziphumo zakho.

Gcina imali yakho

Elinye iqhinga onalo, nangona unomngcipheko omkhulu, kukuthatha isikhundla kwimarike yemali. Le yimisebenzi enobundlongondlongo ngakumbi kodwa inokuba neziqhamo kakhulu ukuba iziphumo zilindelwe kwasekuqaleni. Ngokuchasene noko, awuyi kukhetha ngaphandle kokubonisa ngaphezulu ukufunda kwimisebenzi yakho. Kungenxa yokuba, kukho imali eninzi onokuyilahla xa uqala naluphi na uhlobo lokuhamba.

Kuba olona phawu lubalulekileyo kwezi marike zezemali kukungazinzi kwabo okuphezulu. Umahluko obuthathaka kakhulu phakathi kwamaxabiso aphezulu kunye neyona isezantsi. Ekuhambeni kwakho unohambo oluninzi kwimisebenzi eyenziweyo. Ngenxa yokuba banikela enkulu uguquko oko kuya kukunceda ugqibezele imisebenzi. Nokuba bazenze kwiseshoni enye yeemarike zezemali. Ayothusi into yokuba abatyali mali abaninzi bakhethe olu khetho xa ii-equity zingabonisi eyona meko ilungileyo yokutsala imali.

Ungayenza ngenani elingenasiphelo lezezimali kwinto eya kuba lelinye lamagalelo alo aphambili. Ukusuka kwezona zixhaphakileyo kwiidola zaseMelika ukuya kwezo zikwiifrancs zaseSwitzerland, iJapan yen okanye ezinye iimali eziqhelekileyo. Ngaphandle kokungalunganga kuya kufuneka uhlawule ikhomishini yotshintshiselwano lwemali olunokuthi lwenze ukuba umsebenzi ubize kakhulu. Ngaphezulu kwezo ziveliswe kolunye uhlobo lotyalo-mali. Ukususela ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya ukuya kwiimali zotyalo mali ngokwazo. Ukuya kwinqanaba lokuba iya kuba yinto ekufuneka uyiphakamisile njengento eqhelekileyo kwezi meko.

Kwaye awunakulibala ukuba imarike yemali inokukunceda utyale imali oyigcinileyo kwindawo ethile kuqoqosho lwamanye amazwe. Njengakwi amaxesha oxinzelelo kweminye imimandla yezoqoqosho kwaye zivela kwiintshukumo ezenzeka ngokukhawuleza kwiimali zazo. Kuba imida yeenzuzo zakho ezinokubakho inokuphakama kakhulu, nangona ngenxa yezizathu ezifanayo ikwicala elichaseneyo. Ngomnye umngcipheko omele uhlala nawo ukuba ufuna ukukhetha esi sicwangciso sotyalo mali. Ke unokuyilahla umngcipheko ngokhuseleko olukhulu.

Ezinye iingcebiso zotyalo-mali lwakho

Ukuba ekugqibeleni injongo yakho kukusebenzisa ezi marike zezemali, oko kukuthi, iimarike zemali, kuya kufuneka ungenise uthotho lwezenzo eziya kubaluleka ukugqiba izicwangciso zakho zotyalo-mali. Ngayo yonke ingqiniseko yokuba uninzi lwabo uya kuthandwa, nangona ungenakukulawula ukungalunganga okungalunganga kwimisebenzi yakho enokuthi ikhokelele kwiimeko ezingalindelekanga. Ukuthintela le meko, uneendlela ezithile zokuzikhusela ezinje ngezi zilandelayo.

• Kuya kufuneka ucace gca malunga iinjongo ozilandelayo kuba iziphumo zale misebenzi zinokungabi namveliso. Ukuza kuthi ga kwinqanaba lokuphulukana nemali kuzo.
• Ayifanelanga ibe kukuhamba okuphindaphindayo, kodwa kuveliswe ukusuka kuhlalutyo olunzulu kwezi marike zezimali. Esona sicelo sisona silungileyo sokufumana uqikelelo lwakho lohlalutyo ngokuchanekileyo.
• Unako ukutyala imali kukhuseleko oluninzi, kodwa uhlala ezinye zazo zithande ukutshintsha-tshintsha kwezinto kwiimarike zemali. Ukugxila kuzo lolona khetho unokukhetha ngalo ukusukela ngoku.
• Ngayiphi na imeko, kuya kufuneka uvavanye umngcipheko ojamelana nawo. Kuba ngokwenyani, baya kuba baninzi kwaye bahluke. Zama ngazo zonke iindlela ukukhusela le misebenzi, nokuba ungayalela ukulahleka.
• Imarike ye-forex ayifanele ibe nguwe utyalo-mali oluphambili, kodwa ngokuchaseneyo isincedisi kwezinye ezifanelekileyo. Phakathi kwabo bavela kwiimarike zezabelo.
• Ukuba awufuni kuhlala kunye, bazimisele ukulumkela Kungcono ulibale malunga nesi sicwangciso. Ukuze ukhethe ezinye iindlela zotyalo-mali ezikhuselekileyo nezifuna ukufunda okuncinci kwiintshukumo zazo.
• Iimali ziqwalaselwe njenge impahla ebalulekileyo yezemali Ngokubaluleka okukhethekileyo kwaye oko kugqiba ukuba yintoni enokubakho kwindalo enokuthi ithathwe kwimarike yotshintshiselwano lwangaphandle. Kubaluleke ngakumbi kunokuba unganikezela kwasekuqaleni. Ungalibali nangaliphi na ixesha ukuba ufuna ukuthatha inxaxheba kwezi ntshukumo.
• Kuba yintoni ekugqibeleni malunga phucula inzuzo yakho kwaye eli nyathelo linokuveliswa kwezi asethi zemali. Ukususela ngoku sele unenye indlela yotyalo-mali.