Ithuba lokungena kwiimarike zaseAsia

Izitokhwe zase-US ziye zadibana ngamandla kulandela ukuthengiswa okubangelwa yintsholongwane ngo-Matshi, nto leyo eyakhokelela ekubeni abaninzi babuyele kwiimarike zabo ngenzuzo kwaye babuyisele ilahleko.

I-S & P 500 isuse ilahleko yayo yango-2020 kwaye iNasdaq Composite yenze into entsha ngoMvulo, nanjengoko amagosa abhengeze ukuba i-US yangena kuqoqosho ngoFebruwari.

Oko kunokucebisa ukubuya kommandla njengendawo eshushu yotyalo mali. Kodwa njengokuba idola liqhubeka nokuwa phakathi kweebhanki eziphambili, abatyali mali banokuthi balumke kwaye bajonge kwezinye iimarike ngamathuba okwakha ubutyebi.

Amathuba eAsia

Ulawulo lwe-UBS Global Wealth luthi iAsia (ngaphandle kweJapan) nguloo "mmandla kuphela" olindele ukuvelisa ukukhula okuqinisekileyo kwimivuzo yezabelo kulo nyaka.

Umnxeba uqinisa ukuzithemba phakathi kwabatyali mali baseAsia, abathi ngo-Epreli bathi banethemba (51%) malunga neenyanga ezintandathu zokujonga isitokhwe kwingingqi yabo, xa kuthelekiswa ne-46% eYurophu kunye ne-35% kuphela e-US enkulu Asia-Pacific Iimarike zonyuke kangange-49% ukusuka kumgangatho ophantsi ngoMatshi weveki ephelileyo.

Oku kubonisa ithuba lotyalo-mali kulo mmandla, ngakumbi abatyali mali baseAsia abaya kuthi babethwe yimali xa belawula imali kwizitokhwe zeedola zaseMelika, ngokukaFreddy Lim, umseki kunye nomlawuli oyintloko weStashAway.

"Kukho amathuba amahle okuba iimali zaseAsia zingadlula idola kwezi 18-24 zeenyanga ezizayo, utshilo uLim womphathi wobutyebi obusekwe eSingapore. "Oku kukwathetha ukuba iiasethi esekwe eAsia zingaqala ukubonakala zinomdla kwimeko yemali yalapha."

Iimarike eziphambili zokutyala imali

Ukujonga kwiimarike ezinkulu eAsia, iSingapore Straits Index ikhangeleka inomtsalane njengoko inikezela ukufikelela "kumagama akumgangatho ophezulu, azinzileyo anembali ende yokukhangela ubhubhane odlulileyo," utshilo uLim.

Ezinye iimakethi zaseAsia ezinamashishini, njenge South Korea, Hong Kong, Taiwan, kunye ne China, nazo zibonakala ngathi "ziphumelele" ngokuthelekiswa noogxa bazo bengingqi abangaphuhlanga kangako, ngokomphathi wobutyebi we HSBC Singapore kunye no Ian Yim welinye ilizwe.

"Ukongeza ekubeni nomtsalane kwixabiso, banokuchaphazeleka okuncinci kwizixhobo ezingafunekiyo kunye neoyile, kwaye bazibonakalisile ukuba baxhotyiswe ngcono ukujongana nengxaki yeCovid-19," utshilo u-Yim, eqaqambisa izinto ezahlukeneyo ezenzeka kwimarike.

Ngokukodwa, amashishini anesiseko esomeleleyo esikhawulezisiweyo yile ntsholongwane, njenge-e-commerce, i-Intanethi kunye noqoqosho olutsha lwase China, kunokwenzeka ukuba zenze kakuhle, u-Yim no-Lim bavumelana.

Iinkampani ezenza ukuba urhwebo nge-e lubonakalise ukuba neemodeli zeshishini ezomeleleyo kwaye banokufumana izibonelelo zokutshintsha indlela yokuziphatha kwabathengi kwikamva, utshilo uYim.

Iibhondi kunye nokuthengiswa kwezindlu

Ngaphandle kwemarike yemasheya, olunye utyalomali eAsia lubonisa isithembiso, utshilo uSamuel Rhee, umongameli kunye negosa eliyintloko lotyalo-mali kwinkampani yeengcebiso ezidijithali esekwe eSingapore i-Endowus.

Iibhondi zengeniso esisigxina zaseAsia, ngakumbi, zisebenze kakuhle phantsi kwempendulo yezemali koorhulumente kwintsholongwane, kwaye zibonelela ngotyalo mali olubaluleke kakhulu, utshilo.

"Kwiibhondi, kwingingqi, sibona ixabiso eAsia, apho isivuno sinyukile," yavuma iYS yeHSBC.

Kwelinye icala, iarhente yokuthengisa izindlu nomhlaba, okanye ingxowa mali yotyalo mali nomhlaba (REITs), inokubonisa "ubungozi" ngenxa yentsholongwane kwicandelo, utshilo uRhee.

Tyala imali kwicandelo

Ngaphambi kokusebenzisa naliphi na ithuba lotyalo-mali, kubalulekile ukuza nesicwangciso. Ukuchaza iinjongo zakho zezemali kunye nokuba ungatyala malini sisiqalo esihle.

I-Lim ye-StashAway's yacebisa ukuba kutyalwe rhoqo isixa semali ngenyanga. Ngokombono weStashAway Vision 2020, "abatyali mali abasesicwangcisweni", abahlala betyala imali ngexesha lokudodobala, baqhuba ngcono kunabo barhoxa ngexesha lolungiso.

Ngoku baninzi abaphathi bobutyebi bedijithali abafumanekayo bokukunceda wenze njalo; Ukutshala imali ngokuzenzekelayo kwiimali zenkcazo ezilawulwayo okanye iimali ezithengiswa ngotshintshiselwano (ii-ETFs) ezilandelela imimandla ethile okanye amacandelo. Oku akuphelisi kuphela ingxaki yokubeka esweni iimarike ngokusondeleyo, ikwavumela ukuba uhlale utyalomali ixesha elide, utshilo u-Endowus's Rhee.

Ixesha lokuthengisa libaluleke ngaphezu kokuzama ixesha lokuthengisa, utshilo uRhee. "Oko kungqineke kungumzamo olilize njengoko ukuncipha okukhawulezileyo kwangoko kunye nokubuyela ngokukhawuleza ngokulinganayo kuye kwangqina kwakhona."

Kutheni utyala imali eAsia?

I-Asiya yindawo enyanzelisayo nenamandla yotyalo-mali enokuthi ibonelele abatyali mali ngomtsalane wepotifoliyo. Izinto ezisisiseko zoqoqosho zixhasa isitokhwe esivelisa imali kuwo wonke ummandla kwaye sinokunika amathuba otyalo-mali anomtsalane kwixesha eliphakathi nelide.

Ummandla weAsia-Pacific unokunika ukukhula okunokwenzeka kunye nemithombo yengeniso enomtsalane. Kukho izinto eziphambili ekufuneka ziqwalaselwe xa ujonga lo mmandla:

Likhaya phantse kwisibini kwisithathu sabemi behlabathi1 kwaye ngaphandle kokuguga kwabantu kwiindawo ezithile zommandla, abantu abadala abakwiminyaka yokusebenza baxhasa ukukhula koqoqosho.

Ubutyebi bukhula ngokukhawuleza. Ubungakanani bodidi oluphakathi lokutyala imali lukhule ngokuzinzileyo, kwaye ngoku baninzi abantu abanamaxabiso aphezulu kwingingqi kunayo nayiphi na enye.

Ukukhula kwe-GDP kuninzi loqoqosho lwengingqi lwedlula uninzi lwamazwe aseNtshona, kwaye kukho isiseko esomeleleyo sehlabathi kunye neshishini elikhulayo kuwo wonke ummandla weAsia-Pacific. Ngokophando lwakutsha nje, uqoqosho lwaseAsia luya kuba lukhulu kunelizwe liphela ngo-20202.

Uninzi lweenkampani ezithengisa esidlangalaleni ngoku zinenkcubeko esekwe kakuhle yokuhlawula izabelo. Kuyenzeka ukuba ufumane uluhlu lweenkampani ezibonelela ngezivuno zesahlulo esiphezulu kakhulu kunesivuno seminyaka eli-10 yeebhondi zikarhulumente wasekhaya.

Ngokungafaniyo neengxowa-mali ezininzi ze-Asia, i-Jupiter Asia Income's qhinga lijolise ikakhulu kumazwe aphuhlileyo kwingingqi yeAsia-Pacific. Oku kuthathelwa ingqalelo kwiimarike eziphuhlileyo kuye kwanda ngokuhamba kwexesha, njengoko inani lomngcipheko wezoqoqosho nezopolitiko kumazwe asakhasayo eqinisekile ngeqela lezinto ezifanelekileyo kwimarike eziphuhlisiweyo zommandla.

Isicwangciso seNgeniso yeAsia sikhokelwa nguJason Pidcock, owajoyina iJupiter ngo-2015 kwaye uneminyaka engaphezu kwama-25 yamava etyala imali kwingingqi yeAsia Pacific. Uxhaswa yingcali yeMveliso uJenna Zegleman.

I-Asiya yeyona injini enkulu yokuhluma kwezoqoqosho kwihlabathi namhlanje, kwaye uninzi luzama ukutyala imali ekunyukeni kwayo kwintengiso yesitokhwe. Ewe i-Asiya lilizwekazi elikhulu kakhulu kwaye lahlukahlukene ngamathuba amakhulu otyalo-mali, kodwa kukho izikhokelo ezininzi ekufuneka zilandelwe. Kuya kufuneka uvavanye amathuba kwilizwe ngalinye, okanye uthenge imali yokulingana etyala imali kakhulu kwiinkampani zaseAsia. Kuya kufuneka uyazi ukuba ulwazi malunga neenkampani zangaphandle alunakufumaneka, luthembeke okanye lifike ngexesha. Iimarike zesitokhwe eAsia zilawulwa kancinci kunaseMelika kwaye zinento ethi "mthengi ulumke".

Khetha ilizwe lokwenza utyalomali lokuqala. Izitokhwe zaseSingapore zineembono ezahlukeneyo kunezitokhwe zaseJapan, umzekelo. Yenza uphando olubanzi ngemithetho yendawo kunye neenkampani ezisekwe kwilizwe elithile. Ukuthatha ixesha lokukhetha inkampani efanelekileyo oza kutyala kuyo, kunye nokuvezwa kweziganeko ezibi zemali, kubaluleke kakhulu.

Umzekelo, iAsia Stock Watch ibonelela ngokugubungela ngokubanzi kwiimarike zaseAsia, iEquity Master ibonelela ngolwazi kwimakethi yaseIndiya, iTshayina yemihla ngemihla liphephandaba likarhulumente waseNgilani, kwaye iGaijin Investor kunye neJapan Financials zijolise kubatyali bamanye amazwe abathenga eJapan.

Thatha isigqibo sokuba uyafuna ukusebenzisa inkampani yabarhwebi kwilizwe lakho okanye kwelinye. Ukuvula iiakhawunti phesheya kunokubandakanya amaphepha amaninzi kunye namaxwebhu, kodwa kuya kukunika uninzi lwezinto onokukhetha kuzo kunokuba ubuya kwenza xa usebenzisa iakhawunti yomrhwebi eUnited States. Izinketho zibandakanya ukukwazi ukutyala imali kwiinkampani ongenakukwazi ukufikelela kuzo eUnited States. Nangona kunjalo, iifemu zabarhwebi azilawulwa njengaseMelika, kwaye akukho kurhweba kwezokhuseleko xa kuthelekiswa ne-United States.

Ukuya ngqo kumthombo kuluncedo ngenxa yezizathu ezininzi. Uninzi lwezabelo eAsia zinokuthengwa kuphela ngokutshintshiselana ngesitokhwe kumazwe abo. Ukongeza kukhetho olongeziweyo kunye nokubakho kwezinto ezintsha, ukutyala imali kumaqonga angaphandle kunciphisa umngcipheko wemali, ezopolitiko kunye nezemali ngokuba neeakhawunti zebhanki kunye nebroker kumazwe afanelekileyo.

Khetha amazwe asuka kwezolimo aye kuluntu lwasezidolophini. Izixeko kuya kufuneka zakhiwe, abasebenzi abafundileyo kunye neziseko ezingcono, ezinje ngonxibelelwano ngocingo, ziya kufuneka. Umngcipheko unokuncitshiswa ngokutyala imali kumazwe angenazipolitiki.

Ukongeza kurhulumente ozinzileyo nozinzileyo ngokwezezimali, jonga amazwe amkela utyalomali lwangaphandle, aneebhanki eziphambili ezinenzuzo, kunye nozinzo lwangaphakathi ngaphandle koqhanqalazo oluninzi kunye noqhushululu lwangaphakathi oluqhubekayo.

Eminye imiba ekufuneka uyiqwalasele kutyalo-mali olunenzuzo kubandakanya ukufumana amazwe aphucula uqoqosho, enza ngcono kunokuba abantu abaninzi beqonda, anemali eguqulwayo iye kubo, kwaye eneendlela ezilula zokuthengisa.ukuba utyalomali lwakho alusebenzi.

Gcina imali kumazwe ahlukeneyo. Oku kuyakunceda ukulinganisa ukungazinzi kurhwebo kwiimarike ezisakhulayo kunye nomngcipheko kumazwe apho ukuthengisa ngaphakathi kuvunyelwe. Emva kokuvula kunye nokuxhasa ngezimali iiakhawunti zakho, hlalutya umahluko phakathi kwazo ukwazisa izigqibo zakho malunga notyalo mali lwexesha elizayo.

E-Japan, umzekelo, izitokhwe zihlala zithengwa ngeeyunithi ze-1000, okanye ngamanye amaxesha i-100, ngoko ke nokuthenga okuncinci kunokubiza imali eninzi ngamanye amaxesha. Khangela abathengisi abathengisa kwiiphindaphindwe ezincinci. Kukwakho nemida malunga namaxabiso avunyelwe ukuba anyuke okanye ehle ngosuku olunye ngaphambi kokuba urhwebo lurhoxiswe.

E-China, abatyali mali bakufumanise kunzima ukuzithemba iingxelo zemali zeenkampani ezininzi. Kuyacetyiswa ukuba utyalomali kwiinkampani ezikumgca wokuqala ezinembali ende, ezikhuselekileyo ukusebenza kwemali, kunye nesiseko sabanini zabelo esikhulu.

Nangona i-India yaziwa ngeziseko ezingalunganga, ukunyuka kwamaxabiso, uhlengahlengiso lomhlaba, ipolitiki esembindini, ubuhlwempu, urhwaphilizo, kunye nokusilela kwemali, iinkampani ezininzi zaseIndiya zivelisa imbuyekezo entle, zisenza isitokhwe kwizitokhwe zaseIndiya kufanelekile.

Thenga izabelo kwiinkampani zaseAsia kwilizwe lakho. Ukuba ungumtyali mali omncinci okanye awukhululekanga ngokuvula iakhawunti yomrhwebi phesheya, ezinye iivenkile ezinkulu zaseAsia zidweliswe kwiNew York Stock Exchange, NASDAQ, London Stock Exchange nakwamanye amaqonga. Yenza uphando olucokisekileyo kwinkampani nganye usebenzisa upapasho oludweliswe kwiNdlela 1 ngaphambi kokutyala, ujonge iinkampani ezinembali yokukhula, inani eliphantsi letyala, kunye nobukhulu kunye nozinzo lwemali ekhoyo.

Eminye imiba ekufuneka uyiqwalasele yiphepha lomncono olomeleleyo, iintlobo ngeentlobo zemveliso, amava olawulo, kunye nenani labasebenzi. Imingcipheko yotyalo mali kumazwe aseAsia ibandakanya ukungazinzi kwezentlalo nezopolitiko, ukuhla kwamaxabiso otshintshiselwano, ukungazinzi kumaxabiso ezabelo, kunye nommiselo olinganiselweyo.

Thenga iimali ezihlangeneyo kunye neeNgxowa-mali zoThengiso eziThengisiweyo (ii-ETFs) ezityala kwiinkampani zaseAsia. Iinkampani zotyalo-mali ezinje ngeeMatthews Asia Funds kunye neAberdeen Asset Management, umzekelo, zityala imali kwiinkampani zaseAsia kwaye zibonelela ngeendlela ezahlukeneyo kubatyali mali abakhulu nabancinci. I-ETF zityalo-mali ezisekwe njenge-fund mutual kodwa zithengiswa njengesabelo esinye.

Ukuthenga iimali ezihlangeneyo kuhlala kukuvumela ukuba utyale imali kumazwe aneemarike ezivaliweyo kubatyali mali ngabanye abangabo abemi. Unokufumana iindleko eziphezulu zengxowa-mali kwiingxowa-mali ezilawulwa ngokufanelekileyo.

Thenga iimali zebond ezityalwe kwiinkampani zaseAsia. Iphothifoliyo elungelelanisiweyo iqulethe zombini isitokhwe kunye neebhondi. Ungathenga amasheya kwiingxowa mali ezityala imali kwiibhondi zamanye amazwe okanye uthenge iibhondi ezizodwa. I-Aberdeen, i-Matthews Asia, kunye neenkampani ezinkulu zotyalo-mali zase-US ezinje ngeVanguard kunye neFidelity zithengisa imali yebhondi etyale imali kwiinkampani zaseAsia.

Iimali zotyalo-mali

Kwiiveki ezidlulileyo, uloyiko malunga ne-coronavirus lushukumisile iimarike zokulingana kwihlabathi liphela. Ithemba lokuqala lokuthintela ngokukhawuleza laphanziswa njengoko intsholongwane iqhubeka nokusasazeka, ngakumbi e-China, enelona nani liphezulu lamatyala. Abavelisi baseTshayina banyamezele ukuvalwa kwefektri ukusukela ngasekupheleni kukaJanuwari, okuchaphazele abamelwane babo eAsia, kunye nakwimixokelelwane yonikezelo lwehlabathi.

Kwanangaphambi kokuba kuqhambuke i-coronavirus, ukukhula e-China kwakucotho ngenxa yemfazwe yangoku phakathi kwe-United States ne China. Kuba iTshayina ililizwe eliphambili kwingingqi yayo, ukwehla kwayo kuchaphazele nolunye uqoqosho lwaseAsia njengeIndiya, iMalaysia, iThailand neJapan. Ngaba oko kuthetha ukuba liphelile ixesha lokutyala imali eAsia?

Xa iimarike zokulingana ziwa, abatyali zimali abaphikisayo bathanda "ukuthenga idiphu" - kwaye bathenge amasheya ngelixa wonke umntu ethengisa. Kodwa abanye bathi ingxaki yangoku ayikaze ibekho kwaye amasheya angaqhubeka nokutyibilika ngenxa yokoyika ukudodobala koqoqosho kwihlabathi liphela. Ngelixa kungenakwenzeka ukwazi ukuba ikamva elikufutshane linokuzisa ntoni kwiimarike zesitokhwe, imeko yexesha elide kufanelekile ukuba uyiqwalasele.

Abatyalomali bexesha elide bathambekele ekubeni babe nexesha elinobuncinane beminyaka emihlanu ukuya kwelishumi. Kwaye ukuba uluhlu olubanzi lotyalo-mali lusasazeke kwihlabathi liphela-kunokuba ujonge nje kwisitokhwe kwilizwe lakho, umzekelo-sisitshixo sokugcina imali ngempumelelo.

Ke zithini izinto ezilungileyo nezingalunganga zokutyala imali kwiimarike zezabelo zaseAsia? Kuyimfuneko ukukhumbula ukuba i-Asiya ngummandla owahlukileyo kakhulu, ikhaya elijikeleze i-60% yabemi behlabathi namhlanje. Ngokuthelekisa, iYurophu inabangaphantsi kwe-10% yabemi behlabathi.

Esinye sezibonelelo eziphambili zokutyala imali kuqoqosho lwaseAsia yile nto abatyali mali abaziingcali bathi "ibali lokukhula." Ayisiyo kuphela indawo yabantu baseAsia, kodwa amaqondo abo aphakathi kunye nenqanaba lobutyebi liyanda. Oku kuthetha ukuba baneziseko zabathengi ezikhulayo.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
  4. Unxibelelwano lwedatha: Idatha ayizukuhanjiswa kubantu besithathu ngaphandle koxanduva lomthetho.
  5. Ukugcinwa kweenkcukacha
  6. Amalungelo: Ngalo naliphi na ixesha unganciphisa, uphinde uphinde ucime ulwazi lwakho.