Imfazwe yorhwebo phakathi kwe China ne-US, uxinzelelo kwi-Middle East kunye nemingcipheko yonyulo e-United States iya kuba zezinye zezinto eziya kuthi zimisele ukuvela kweemarike zokulingana kulo nyaka. Ekufuneka kongezwe kwezi ntsuku zamva imeko yezempilo ngenxa ka ukuvela coronavirus. Nangona okwangoku, nakwiinyanga ezimbini zokuqala ze-2020, ibhalansi iyancipha kwimidla yabatyali mali. Ngomvuzo ophakathi wokutshintshiselana kwesitokhwe kwihlabathi liphela malunga neepesenti ezi-2,5, ngakumbi eyaseMelika, eqhubekayo kwiziganeko zembali.
Ngayiphi na imeko, abatyali zimali bagcina kwaye bonyusa ukusebenza kwabo kwiiasethi zemveli ezinokuthi zisebenze njengendawo ekhuselekileyo, ngakumbi ngamaxesha okungazinzi okuthile kwiimarike zezemali. Njengobungqina bokuba ezi arhente zotyalo-mali azinazo zonke kubo nokuba yintoni enokusizisela lo nyaka. Njengokuba kukho ukungaqiniseki okuninzi okunokwenza ukuba iimarike zokulingana zamanye amazwe zitshintshe nangaliphi na ixesha lonyaka.
Kuwo onke la maxabiso akhuselekileyo, igolide ibalasele ngaphezu kwako konke ngenxa yokuphakama kwayo yokuphononongwa kwaye okwangoku enomthamo omkhulu wezorhwebo. Ngelixa kwelinye icala, olunye utyalomali olunokuhlelwa kweli qela lolwezemali. Ngomothuko onokubakho omelwe yi-yen yaseJapan kwaye apho kukho indawo elungileyo ye- iimali zemali Lonke ihlabathi. Ngenxa yenqanaba lotshintshiselwano olunokubonelela ngokuchasene nezinye iimali zamanye amazwe, ngakumbi ngedola yaseMelika.
Indawo yokubalekela: yen, idola kunye nefranc yaseSwitzerland
Ezi zezinye zeenkwenkwezi zotyalo-mali ezinokuthi zivele kwi-2020 njengeendawo ezikhuselekileyo ebusweni besigqibo esiza kwenziwa ngabatyali mali. Akunakulityalwa ukuba kunyaka ophelileyo yen yaseJapan, I-franc yaseSwitzerland kunye nedola yaseMelika zezinye zezinto ezibaluleke kakhulu kwezemali ezenze njengendawo yokubalekela ukwenza ulondolozo lube nenzuzo. Esinye sezi zizathu sinokubangelwa kukulindeleka okungathethekiyo kokukhula koqoqosho ukusukela ngoku. Kwaye oko kuya kukhokelela kubatyali zimali abancinci nabaphakathi ukuba benze izigqibo ezizolisayo okanye ezikhuselayo kutyalo-mali lwabo oluphambili.
Ngelixa kwelinye icala, kwaye unikwe le meko inkulu, imali yaseMelika inokucinezelwa ziimbangi zayo eziphambili kulo nyaka kwimeko yokuba Indawo yokuGcina uthathe isigqibo sokunyanzelisa ukunciphisa umyinge. Okanye, ngokuchaseneyo, ngaphambi kwesisombululo esinokubakho kwimpikiswano yezorhwebo phakathi kwe-United States ne China. Ukusuka apho imali yaseJapan izakuphuma kakuhle kwiinguqu zayo xa kuthelekiswa nezinye iiasethi zemali zezi mpawu. Ngobuchule bokwenza imisebenzi ibe yinzuzo kwisithuba esifutshane kakhulu sexesha, nakwiseshoni enye yokuthengisa.
Indawo yokusabela yegolide ngokubalaseleyo
Isinyithi etyheli yenye yeempahla ezizinzileyo xa kuziwa kumaxabiso akhuselekileyo. Ingakumbi ukuba uthathela ingqalelo nakuphi na ukuziphindezela okunzima I-United States ne-Iran inokuvelisa intshukumo entsha enyukayo ngamaxabiso egolide. Njengokuba kwenzekile kwiimeko ezifanayo ezenzeke ngamanye amaxesha embali. Kungenxa yokuba ayinakulityalwa ukuba xa ujongene nalo naluphi na uhlobo lomngcipheko kwindawo yamazwe aphesheya, le mveliso eluhlaza inokuzuzwa luloyiko olwenzeka kwiimarike zezemali hayi kwimarike yemasheya kuphela. Ukuphambukiswa kwenxalenye ebaluleke kakhulu yokuhamba kwemali kwabatyali mali abakhulu.
Kwelinye icala, kunokwenzeka ukuba isinyithi esimthubi siya kuba yenye yeendlela zokubheja ezikhuselekileyo kulo nyaka. Kwimeko apho ukunyuka kwamaxabiso kunokuvela, kodwa kunye neembono ezimbi ngakumbi kwi ukukhula koqoqosho. Apho abasebenzisi bazama ukugcina imali yabo ngaphezulu kwezinye izinto. Ngale ndlela, akukho mathandabuzo okuba igolide isebenza ngcono kunezinye iiasethi zemali ezibalulekileyo. Ngokwazi ukufikelela kwelona liphezulu kwiminyaka yakutshanje, nangona kunokuba yinto yokubheja okwethutyana kunabanye.
Iibhondi zaseMelika
Enye yeendlela ezinokukhuseleka ngakumbi kule minyaka izayo imelwe lolu didi lweebhondi zikazwelonke. Akunakulityalwa ngoku ukuba ibango loNondyebo wase-US likhawulezile kule minyaka mibini idlulileyo. Ayothusi into yokuba yimveliso yezemali engenabungozi, nangona kunjalo inzuzo yayo ayikho phezulu kakhulu. Ngesizathu sokuba abatyali mali abancinci nabaphakathi bafanele ukuthathela ingqalelo kwaye ayisiyonto ngaphandle kwento yokuba baxhaswa likhredithi kurhulumente wase-US.Isiqinisekiso sokunika ukhuseleko kwipotfoliyo yotyalo-mali kwimizuzu embalwa enokubanzima kakhulu ngamanye amaxesha.
Kufuneka kuqatshelwe ukuba le mveliso yemali inokuthatha ithuba kwimeko yezoqoqosho yangoku yelizwe. Apho iibhanki eziphambili ezisehlabathini jikelele, kubandakanya iBhanki yaseJapan (i-BoJ), i-European Central Bank (i-ECB) kunye ne-Swiss National Bank (SNB) bamkele umgaqo-nkqubo inzala engeyiyo. Ukwenzakalisa inzuzo yeemveliso zebhanki kunye nezo ezivela kwingeniso esisigxina engenakufane idlule kwi-1% isithintelo, esona siphantsi kula mashumi eminyaka akutshanje kwaye esenza ukuba kube nzima kakhulu ukubeka imali kwezi ntsuku.
Ezinye iimali: I-franc yaseSwitzerland
Kwelinye icala, kukho enye imali yamazwe aphesheya enokuthi ibe nenzuzo enkulu ukusukela ngoku kwaye ayisiyiyo enye ngaphandle kweFranc yaseSwitzerland. Ngokwesiko kwaye kwiminyaka edlulileyo ithathelwe ingqalelo njengenye yeeasethi eziyimali kukhuselekile ukugcina imali kwiimeko ezinzima kakhulu zeemarike zezabelo kwihlabathi. Ukuya kwinqanaba lokuba ithathwa njengenye yeendlela ezikhethwayo ngabatyali mali abafuna ukhuseleko olukhulu kwingxelo yabo yengeniso. Ngale ndlela, ayinakulityalwa ukuba iSwitzerland inentsalela yeakhawunti eyomeleleyo, njengoko kusenzeka eJapan.
Olunye ukhuthazo lokukhetha le mali yamanye amazwe kukuba ligcina iqondo lotshintshiselwano oluzinzileyo ngokuthelekiswa nezinye iimali. Ukusuka kolu luvo, izikhundla zinokuthathwa kwiimveliso ezahlukeneyo zemali, ukusukela kwimisebenzi yokurhweba ukuya kwiidipozithi zebhanki zexesha elimiselweyo ngokusekwe kule mali. Ngeziphumo ezonelisayo ngakumbi kunezinye iindlela eziqhelekileyo zokutyalomali kwaye akunakukunika inqanaba lenzala elincomekayo. Emva kokuncitshiswa kwexabiso lemali ngamalungu emali e-European Union.
Izinto zokwenza imveliso: iswekile
Bambalwa abatyali mali abanokwazi ukuba le nto ibalulekileyo yenye yezona zinto zixhaphakileyo kwiinyanga ezintandathu ezidlulileyo. Ukuza kuthi ga kwinqanaba lokuba abatyali zimali abakhulu babuyele kwizikhundla zabo ukuzama ukuphucula ingxelo yabo yengeniso kule rally inamandla ethe yamangalisa ilizwe lemali kwaye inethemba elingenakoyiswa lokuhlaziywa kumaxabiso abo, ubuncinci ukuya kwelona xesha lifutshane. Inokufumana ikhontrakthi, ngokukhethekileyo ngemali yotyalo-mali, kodwa nakwiinkampani ezidwelisiweyo ezinxibelelene ngqo nemveliso yazo. Ngokukodwa, ezo zidweliswe kwiimarike zemali zaseMelika.
Ngayiphi na imeko, lolunye utyalomali olunomngcipheko kuba nangaliphi na ixesha ukungazinzi kunokufikelela kumaxabiso awo kwiimarike zamanye amazwe. Kwaye ngenxa yeli nyathelo, ukuba nokudana okukhulu kwiinyanga ezizayo ngohlobo lokuhla kwexabiso leasethi yezemali okanye ngenxa yokulungiswa kwamaxabiso ngenxa yokonyuka okuveliswe ukusukela ngo-Agasti wonyaka ophelileyo. Ngesi sizathu, abatyali mali abazikhuselayo banokukhetha ukuthatha isikhundla kwiDola yaseMelika, eqhubeka nokugcina isibheno sayo esikhuselekileyo kuzo zonke iimeko, nkqu nezona zibi. Akunakulityalwa ukuba le yimali yamashishini amaninzi aphesheya.
Ubutywala kwaye ulinde ithuba elingcono
Ngelixa okokugqibela, singasoloko sibhenela ekuphuculeni ukuthengiswa kwemali kwiakhawunti yethu yokonga njengefomula yokuphepha iimeko ezincinci ezicetyiswayo kwiimarike zezabelo. Ngoncedo lokuba emva kweenyanga ezimbalwa sinokufumana amaxabiso okhuphiswano ngakumbi ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya. Oko kukuthi, ukufikelela kwinqanaba lokuhlaziya elinomdla ngakumbi kunangoku kwaye emva kwayo yonke enye yeenjongo ezinqwenelekayo kubatyali mali abancinci nabaphakathi.
Kuba nangona kunjalo, ngokuqinisekileyo intuthuko entle ethathwa yimarike yemasheya yase-US, isenokuthetha ukuba enye into onayo kukuya kwintengiso yesitokhwe kweli lizwe. Ngolungelelwaniso lwenzuzo ephezulu kunezinye iimarike zezemali. Nangona nangaliphi na ixesha le ndlela inyukayo inokuma kuba akukho nto inyukayo ngonaphakade kwaye incinci kwimakethi yesitokhwe.