Ukuba kukho iasethi yezemali ngalo mzuzu egcina imeko inyuka, ayikho enye ngaphandle kweoyile. Enye yezona zinto zibaluleke kakhulu kwiimarike zezemali. Ngaphezulu kwezinye izinto zokwenza imveliso ukubaluleka okukhethekileyo kuqoqosho lwamazwe ngamazwe. Ayothusi into yokuba ingalixesha elifanelekileyo lokuba ujike ngale ndlela unayo yotyalo-mali. Kungenxa yokuba, ininzi imali onokuyifumana ukusukela ngoku ukuya phambili ukuba uyenza ibe yeyokusebenza ngokuchanekileyo nangexesha elifanelekileyo. Zombini kwiintshukumo zokuthenga kunye nokuthengisa.
Igolide emnyama yenye yeasethi yezemali ebonelela ngeyona nto ibalulekileyo yokuthatha izigqibo kulo nyaka mtsha. Ngaphezulu kwamathemba emarike yestokhwe ngo-2018. Ukuza kuthi ga kwinqanaba lokuba sele bebaninzi abatyali zimali abancinci nabaphakathi abasondela kwimveliso yezemali enxulunyaniswe nale nto ibalulekileyo eluhlaza kwihlabathi liphela. Mhlawumbi yenye yezona zikhulu mathuba o shishino onalo kulo lonke olu vavanyo. Ngokwazisa imeko enyukayo kwixesha eliphakathi nelide kuwo onke amathandabuzo.
Kodwa ukuba i-oyile ekrwada ibonakaliswa njengotyalo-mali ngento ethile, kungenxa yokuba amaxabiso ayo anokutshintsha nangaliphi na ixesha nangaphandle kwesaziso sangaphambili. Naziphi na iindaba ezinxulumene nemveliso yazo zinokutshintsha kakhulu ixabiso lazo kwiimarike zezemali. Njengoko kwenzekile kule minyaka idlulileyo. Ngokuhamba ngokukhawuleza okukhulu onokuthi uthabathe amaxabiso abo ngenye indlela okanye enye. Ayothusi into yokuba ukungazinzi kwayo okuphezulu yenye yezona zinto zixhaphakileyo kule asethi yezemali ebaluleke kakhulu. Kuba inokuba nefuthe kwisantya uqoqosho olunokuthatha ukusukela ngoku.
Ioyile kwi $ 65
Okwangoku kukho into enye eqinisekileyo kwaye yile yokuba igolide emnyama ithengisa ngeenxa zonke $ 65 umphanda. Inqanaba lamaxabiso elingazange libonwe ukusukela phakathi ku-2015. Kwaye ngokwembono elungileyo. Kuba kubonakala ngathi yonke into ibonisa loo nto Ixabiso leoyile ungaya kumanqanaba aphezulu. Ngokukodwa, kufutshane ne-80 yeedola emgqonyeni kwaye iphakame nangakumbi ukuba iimeko zikhona ukuqhubeka nokukhula kwamaxabiso. Kwiiveki ezimbalwa kuya kubakho ukwazi ukuba kunjalo okanye ukuba, ngokuchaseneyo, izilungiso ezibalulekileyo zinokuveliswa kwixesha elifutshane.
Ewe kunjalo, inokuba linqanaba lokungena ngokugqwesileyo ukuthatha izikhundla ukusukela ngoku. Nangona kuya kuhlala kulumkile ukulinda ezi zimpawu zokuthenga ukuba ziqinisekiswe. Ayisiyo kuphela ekufumaneni nasekuthengiseni izabelo kwimarike yemasheya. Kodwa ngezinye iimveliso zemali ezifanelekileyo ngokukodwa. Umzekelo, Iimali zotyalo-mali ezidwelisiweyo. Baza kusebenza, kwelinye icala, ukuze ulwahlulo oluchanekileyo lotyalo-mali lwakho kula maxesha ngqo.
Ukuhlaziywa kwe-35%
Nokuba yeyiphi na indlela, ixabiso leoyile ixabisile kunyaka odlulileyo malunga ne-16%. Ngokukodwa ngenxa yokukhula okuphucukileyo kwisiqingatha sokugqibela sonyaka. Apho iqokelele khona inxenye elungileyo yolonyuso kwiimarike zezemali. Ngenzuzo ephakathi kwi-35%. Ke ngoko, lolunye lotyalo-mali olunenzuzo enkulu oluphuhliswa kuyo nayiphi na i-asethi eyimali. Into onokuthi uyiqwalasele ukusukela ngoku ukuba ufuna ukutshintsha lonke utyalomali lwakho. Ngaphezulu kokuthathelwa ingqalelo kobuchwephesha kwaye mhlawumbi kusisiseko ukuba lo ngumnqweno wakho ekugqibeleni.
Kwelinye icala, kwaye ngokubhekisele kwinzuzo yayo, kuya kufuneka uyazi kwasekuqaleni ukuba le asethi ibalulekileyo yezemali yenye yezona zinenzuzo kakhulu kwiimeko ezibonakalayo eziqinisekileyo. Imbuyekezo onokuyifumana ingaphezulu kwezinye iiasethi zemali ezifanelekileyo ngokukodwa. Umzekelo, ukuthenga nokuthengisa izabelo kwimarike yemasheya okanye kutshanje ngegolide. Nangona kunjalo, ujongene nokuguquguquka okuphezulu kunabo bonke. Apho kungekudala izabelo zabo zinyuka nge-5% njengoko usuku olulandelayo iipesenti ezifanayo zishiyekile. Ukuya kwinqanaba lokuba kufuneka uyazi kakhulu ixabiso lakho. Ukuba akunjalo, ungahlawula kakhulu.
Indlela yokutyala imali kwioyile ekrwada?
Kanye ngeli xesha, into evelayo yindlela onokuthi uthathe ngayo isikhundla ngokusebenzisa le nto eluhlaza. Ayizukuba lula njengezinye izindululo zotyalo-mali. Ukuba akunjalo, ngokuchaseneyo, kuya kufuna iidosi ezingakumbi zokucinga kuba izikhundla zabo zivulelekile kuthotho lweemveliso zezemali owawungenawo kwasekuqaleni. Unokwenza imisebenzi ngokusemthethweni kumvuzo osisigxina. Kuba, enyanisweni, kukho iidipozithi zekota ezinxulunyaniswe nale asethi yezemali kwaye ngaphandle kokuba ubeke umngcipheko kwiminikelo yakho yemali. Uya kuhlala unembuyekezo emiselweyo neqinisekisiweyo minyaka le.
Olu hlobo lwe iidipozithi zebhanki Bayakuvumela ukuba ubize inzala emiselweyo, nokuba kwenzeka ntoni kwixabiso legolide elimnyama. Nangona phantsi kwemida kungonelisi kakhulu kwimidla yakho. Phakathi kwezinye izizathu kuba ayizodlula kumanqanaba e-0,75%. Ukuziphucula, awuyi kuba nesisombululo ngaphandle kokuba ixabiso leoyile lifikelela kwinqanaba elincinci. Ukuze ngale ndlela ubekwisimo sokufezekisa inzala kufutshane ne-5%. Nangona ukusuka kwindawo yokujonga engeyiyo kukho inyani yokuba awuyi kuba nakho ukubamba ngokupheleleyo ukunyuka kwexabiso leoyile ekrwada. Isicwangciso-qhinga sotyalo-mali esijolise kwiprofayili elondolozayo kunesiqhelo.
Ukuthengwa kwezabelo kwiinkampani zeoyile
Eyona ndlela ilula yokuzibeka kwezi zinto zibalulekileyo zorhwebo kukuthengisa iimarike. Ngokukodwa kwimarike yemasheya ngeenkampani zeoyile. E-Spain isithembiso silinganiselwe kwaye sisebenza kuphela Repsol idibana nezi mpawu. Ngale ndlela, awungekhe ulibale ukuba inkampani yeoyile yesizwe yenye yezabaxhamli abaphambili kulo mjikelo unyukayo kwioyile. Ngomnye wokuphononongwa okuphezulu kwesalathiso esikhethiweyo sezabelo zaseSpain, i-Ibex 35. Ukongeza, inesahlulo solwabiwo-mali olunomdla kakhulu kubatyali mali abancinci nabaphakathi.
Kodwa ukuba ufuna ukwandisa isithembiso sokutyala imali kwezi zinto zingaxutywanga kuya kufuneka uye kwezinye iimarike zamanye amazwe. Apho ubonelelo lukhulu kakhulu, njengakwimakethi yentengiso eYurophu naseMelika. Uya kuba nezindululo ezininzi ukwanelisa ibango lakho ukwenza ulondolozo lube nenzuzo ngale ndlela ikhethekileyo. Ngenqanaba le Ukuhlaziywa kulo nyaka kuhamba ukusuka kwi-15% ukuya kwi-30%. Ukungqinelana nelinye lawona macandelo asebenzayo nanengeniso kurhwebo lwezezimali lwamanye amazwe. Unokusebenzisa imeko yeoyile ebalaseleyo ukuze uvule izikhundla kwezi zithuba zichanekileyo.
Ukutshintshiselana ngeeNgxowa-mali: Crude Based
Enye yeendlela onazo ngeli xesha kukusebenzisa ii-ETFs, okanye iimali ezithengiswayo. Yimveliso yezemali leyo Idibanisa imali kunye nokuthengwa kunye nokuthengiswa kwezabelo engxoweni. Nangona kunjalo, inengxaki enkulu yokuba ayifaki konke ukunyuka kokunyuka. Ngenxa yayo yonke le nto inendawo yokubhekisa, hayi amaxabiso eoyile okwenyani, kodwa uqikelelo lwazo. Esi sesinye sezizathu zokuba, nangona le asethi yemali inokunyuka, ixabiso alibandakanywa kule mveliso yemali. Apho kukho umsantsa ofanelekileyo.
Ngakolunye uhlangothi, i-ETFs ikuvumela ukuba ukhethe izicwangciso ezahlukeneyo kulolu hlobo lotyalo-mali. Ukusuka kwiindlela ezininzi zehlabathi apho utyalomali lwenziwa kwiinkampani zeoyile ezikwiindawo ezahlukeneyo zejografi okanye ngakumbi kugxilwe kwenye. Njengomzekelo, kwifayile ye- Imakethi yaseRussia Unamathele kule asethi ebalulekileyo yemali. Ezinye iindlela ezivulekileyo kuwe kwezi modeli zokonga zibanzi kakhulu. Nangona iya kuhlala ikulungele ukuba ube negalelo kwinkcubeko yezemali enkulu kunolunye utyalo-mali olunzima. Iya kuba ngumlinganiso oluncedo kakhulu ekusebenzeni kolu hlobo lweemarike ngokusekwe kule nto eluhlaza.
Iimali zotyalo-mali zivulelekile kwimisebenzi yeoyile. Ukusuka kwiindlela ezilula yokusebenzisa. Nangona kunjalo, baya kudityaniswa nezinye iiasethi zemali. Ukuza kuzo zombini ii-equities kunye nomvuzo osisigxina okanye nakwezinye iimodeli zokutshintsha utyalomali ngokufanelekileyo. Ewe, zininzi iimali zotyalo-mali ezibonelela ngezi mpawu zikhethekileyo.
Apho uyakufuna kuphela isigqibo sokukhetha ifomathi efanelekileyo kwiimfuno zakho zokwenyani zotyalo mali. Ukusuka kwizicwangciso ezenziwa ngabaphathi ngokwabo. Oko kukuthi, awuzukuyenza nantoni na kuba iyimodeli yotyalo mali esebenzayo kwiimeko ezininzi. Oko kuyakuxhomekeka kwiprofayili oyivezayo njengomtyali mali omncinci nophakathi. Elula njengaleyo.