Mhlawumbi abatyali mali abaninzi abazi ukuba iimali zotyalo-mali zinokuzibeka ngokusesikweni kwezinye iimali ngaphandle kwe-euro. Le misebenzi yenzeka ngaphezulu kwako konke kwi Idola yaseMelika, kodwa hayi kuphela. Kungenxa yokuba, zamkelwe kwiifranc zaseSwitzerland, izithsaba zaseNorway okanye i-yen yaseJapan. Kodwa kububulumko kakhulu ukuhlalutya ukuba ezi ntlobo zokuhamba kwiimarike zezemali zinokuba yinzuzo kwiziphumo zazo. Ngenjongo yokwandisa inzuzo yale mveliso yemali, nokuba yeyiphi na iasethi yezemali esekwe kuyo.
Iimali zotyalo-mali esekwe kwiimali ezingezizo i-euro yenye yeendlela ezikhoyo kubatyali mali abancinci nabaphakathi. Kuxhomekeka kwindlela i ukuvela kwezi asethi zemali ngalo naliphi na ixesha enyakeni. Nangona sisicwangciso sotyalo-mali esinomngcipheko omkhulu ekuqeshweni. Ukuya kwinqanaba lokuba kunokwenzeka ukuba babe nenzuzo encinci kunaleyo inxulumene ne-euro. Ngayiphi na imeko, sisigqibo ekufuneka sisenziwe ngabatyali mali. Ukuze ekugqibeleni ubone umohluko omkhulu phakathi kwezinye iimodeli kunye nezinye.
Kwelinye icala, bakho kuzo zonke iindlela kwiimali zotyalo-mali. Ukusuka kwezo zisekwe kwimarike yemasheya ukuya kwingeniso emiselweyo okanye nakwezokhetho lwemali okanye ezinye iindlela. Ngale ndlela, kufanelekile ukuqaqambisa into yokuba ezi mali zikhethekileyo zotyalo-mali azihlawuliswa ekuqaleni iikhomishini ezifuna ngakumbi kuneemodeli zesiko okanye eziqhelekileyo. Kungenxa yokuba inqaku elingachaphazeli ubume beli didi lweemveliso zotyalo-mali. Kukuphi uphawu lweklasi lweemali ezizodwa kakhulu.
Iimali zemali: izibonelelo zazo
Okokuqala, siza kuhlalutya ezinye zeenzuzo eziveliswe kukungena kwezi ngxowa mali. Apho inokuvumela khona inzuzo efunyenwe ngabanini bayo ukuba ibe phezulu ngenxa yokusebenza okungcono ngokubhekisele kwimali enye yaseYurophu. Ngale ndlela, iyafumaneka kwi phucula imida yokulamla zinokukhuliswa, nangona kungekho ndlela ibabazekayo. Ukuba akunjalo, ngokuchaseneyo, inokuvela ukuya kuthi ga kwipesenti enye okanye ezimbini kumanqaku. Enye into ekufuneka uyithathele ingqalelo kukuba le nguqulelo ayisoloko isigxina, kodwa kuphela kwisiseko esithile.
Ngelixa kwelinye icala, imali yotyalo-mali esekwe kwiimali ezingezizo i-euro zibonakaliswa ngaphezulu kwako konke ngokufumaneka kwazo ukwenza imali ukonga ukusuka kula maxesha achanekileyo. Kwinto eyenziwayo njengotshintshiselwano lokonga kwixesha eliphakathi kwaye ingakumbi ixesha elide kwaye ngokungafaniyo nokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya elawulwa sisixhobo esihluke kakhulu. Kwinto etyhilwayo njengesicwangciso esinokuthi abatyali zimali abancinci nabaphakathi bakwazi ukukhetha ukusukela ngoku.
Umngcipheko kule misebenzi
Esi sicwangciso sotyalo-mali, kwelinye icala, sigcina ihlala ingathandeki ukulungiselela umdla wabanini bale mveliso yemali. Kufuneka kuqatshelwe ukuba kule ngqiqo yokuba iimali zezi mpawu ziyahluka ngobungozi bazo kwimisebenzi ethathiweyo. Ngenxa yokuba banako, ngenxa yezizathu ezifanayo, ukuphulukana nemida kwinzuzo yabo yokuqala kwaye oko kungakhokelela ekubeni ezi mali zotyalo-mali zinganiki mdla wokuqeshwa ukusukela ngoku. Ngokulingana phakathi kokufumana inzuzo kunye nomngcipheko omkhulu kunemali ethathelwa ingqalelo njengesiqhelo kulwakhiwo lwabo. Ngokunjalo, yonke into iya kuxhomekeka kwimali ababhalise ngayo kuba inokuchaphazela umvuzo wabo wexesha elizayo. Kungenxa yokuba enye yezi mveliso ekuvunyelwene ngayo ngeedola zaseMelika ayifani nakwizithsaba zaseNorway.
Ngelixa kwelinye icala, akunakulindeleka ukuba zibekho Ababhalisi bexesha elide kuba ungakhokelela kummangaliso ongaphezulu kwesinye onokukhokelela ekunciphiseni elona xabiso lazo. Kunye nenyani yokuba imisebenzi kufuneka igqityiwe kwelona xesha lifutshane. Ukuthintela iimeko ezingafunekiyo kwicala labasekeli abancinci nabaphakathi abanokuthi bavele kwiimeko ezingathandekiyo kwiimarike zezemali, kokubini kwii-equities kunye nengeniso esisigxina. Ngokwehla okubaluleke kakhulu kumaxabiso ezokhuseleko kwaye ekugqibeleni kunokubangela enye ingxaki yokuhlawula amatyala.
Ukukhuselwa kwemali
Ngayiphi na imeko, kukho isicwangciso-qhinga sokulungisa ezi ngxaki zinokubakho zeemali kunye notyalo-mali kwezi mpawu kwaye ayikho enye into ngaphandle kokubhalisela kunye Igatya lokukhusela imali. Ukuze ngale ndlela ukwazi ukuzikhusela ekujikeni rhoqo kwiimarike zemali. Kwelinye icala, kuyafuneka ukuba uthathe ingqalelo ukusukela ngoku ukuya phambili ukuba kunyanzelekile ukuba ezi ntshukumo zilawulwe ukusuka kulwakhiwo lwazo ukuthintela iimeko ezinokubangela iingxaki ezahlukeneyo kwingxelo yengeniso yotyalo-mali lwakho.
Kwelinye icala, kwaye ngokunxulumene nokunyangwa kweemarike zemali, kufanele kuqatshelwe ukuba unyango lweeodolo zemali ezifakwe kwiinkonzo ezisebenza ngezi asethi zemali azifani naleyo ifunyenwe ngawo nawuphi na omnye umyalelo, ofaka isicelo kubalo Yengeniso eyinkunzi evela kwintengiso yindlela ebizwa ngokuba yi "FIFO", Oko kukuthi, kuthathelwa ingqalelo ukuba yimali kabani umhla wokufumana Indala ngaphandle kweakhawunti yangoku kunye nequmrhu apho umthengi abeke imali yakhe. Ngokusisiseko, le ndlela isekwe kwinto yokuba into yokuqala iyinto yokuqala ukuphuma, kungoko uvavanyo lwayo lulungelelaniswe nenyani yentengiso, kuba isebenzisa ixabiso ngokusekwe kwiindleko zamva nje.
Ngelixa kwelinye icala, baya kuphakamisa ingqokelela yeekhomishini zolawulo olukhethekileyo kwimeko apho iziko lezemali linyanzeliswa ukuba lenze egameni lomthengi ukuvala izikhundla ezihlala zivulekile ekupheleni kweseshoni nganye, ethi Ngokwesiqhelo kwi-20 ukuya kwi-40 ye-euro kunye nepesenti ethile kwimali etyalwe. Ngokunjalo, banokumiswa okwethutyana ukuba imeko yentengiso okanye indawo evulekileyo kwihlabathi liphela icebisa abalamli bezezimali. Njengokuba befuna ukubekwa esweni rhoqo kwendawo yabo evulekileyo kunye nokuthatha amanyathelo ngenkuthalo ukuqokelela inzuzo okanye, apho kufanelekileyo, ukunciphisa ilahleko ngokuvala indawo.
Ungayiphuhlisa njani intshukumo?
Kuxhomekeke ekuguqulweni okulindelweyo kwemali ethile, inokuthengwa okanye ithengiswe ukuze emva koko kwenziwe umsebenzi obuyela umva ngexabiso eliphantsi okanye elingaphezulu ngokulandelelana, ngenxa yokuba ngalo msebenzi kungafunyanwa inzuzo enkulu, nangona inguquko engathandekiyo inokuqhubeka ilahleko enzima. Ngomngcipheko wokuba ulahlekelwe yimali kwimisebenzi eqhutywa phantsi kwesi sicwangciso sotyalo-mali.
Amanye amaziko avumela ukuba asebenze kule marike ngexesha lokwenyani, afake phakathi kwe-1% kunye ne-5% yesiqinisekiso, esongeza ubhetyebhetye ngakumbi kunye nesantya kutyalo mali. Njengakwimarike yezemali, ii-odolo zinokusetyenziswa apha yeka ukumisa ilahleko okanye ukuqokelela inzuzo, esisisixhobo esigqwesileyo kwimidla yomtyali mali omncinci.
Inzuzo yeNgxowa-mali
Ithemba elikhoyo kwiimarike zezemali lenze ukuba kugcinwe imeko ephezulu yeenyanga ezidlulileyo ngokubanzi kwiimarike zehlabathi ezahlukeneyo. Ibex ikhule nge-1,0% kwaye ezinye iimarike zaseYurophu zibhalise ukunyuka okuphezulu. Imarike yemasheya yaseMelika ime, enesalathiso semilinganiselo I-S & P500 ixatyisiwe i-3,4%. Kwiimarike zengeniso esisigxina, ii-IRR zamatyala oluntu exesha elide afumana amanqanaba kaJuni, kwaye ke, umzekelo, i-IRR yeminyaka eli-10 ye-bond yaseSpain ifikelela kwi-0,39% ukusuka kwi-0,23% kwinyanga ephelileyo, ngelixa inzuzo I-Bund yaseJamani ngeli xesha linye ivala ngo -0,37% xa kuthelekiswa -0,40%, ngokukaMbutho wamaZiko okuTyala aManyeneyo kunye neNgxowa-mali yoMhlala-phantsi (Inverco).
Ipremiyamu yomngcipheko eSpain inyuka iye kwi-78 bps (64 bps ngoSeptemba). Ixabiso lotshintshiselwano nge-euro xa kuthelekiswa nedola livaliwe nge-1,10, emele ukuxabiseka kwedola xa kuthelekiswa ne-euro engaphezulu kwe-1%. Kule meko, iiNgxowa-mali zoTyalo-mali zibhalise inzuzo elungileyo eyi-2019% ngo-Novemba ngo-0,77, apho baqokelela khona inzuzo engama-6,5% kwiinyanga ezilishumi elinanye zokuqala zonyaka, elona zinga liphezulu kwimbali eliqokelelweyo kude kube ngoku. Kwakhona, iindidi zeeNgxowa-mali zoTyalo-mali ezinokuvezwa okukhulu kwizitokhwe ziye zafumana imbuyekezo entle yobukhulu obukhulu okanye obuncinci, nangona ngo-Novemba i-US International Equities yema ngaphandle, ngezivuno ezijikeleze i-4%, esele ziqokelelelela kuzo zonke i-2019 a Inzuzo engaphezulu kwama-24% kwiinyanga ezilishumi elinanye kuphela. Njengokuba befuna ukubekwa esweni rhoqo kwendawo yabo evulekileyo kunye nokuthatha amanyathelo ngenkuthalo ukuqokelela inzuzo okanye, apho kufanelekileyo, ukunciphisa ilahleko ngokuvala indawo.