Tyala imali kwizinto ezisetyenzisiweyo, njani?

Imathiriyeli eluhlaza yenye yeendlela zotyalo-mali kubagcini

Imathiriyeli ekrwada ngokucacileyo iye yabanzima kakhulu kwiimarike zemali ngo-2015. Ngokwenyani zonke ziye zaphuhlisa iindlela ezantsi kwezi nyanga, ethe kwiimeko ezininzi yenzeka phantsi kokwehla kwexabiso kufutshane neepesenti ezingama-50. Ukuba utyale imali yakho oyigcinileyo kwiiasethi zakho zezemali, ngokuqinisekileyo uya kuba nemali encinci namhlanje kwiiasethi zakho zobuqu. Ngokukhubazeka okuphawulwe kakhulu okwenza ukuba ujongane nonyaka omtsha kunye nomnqweno wokulungisa iimpazamo ezenziwe.

Lo nyaka awuqalanga ngendlela elungileyo kwimidla yabo, kodwa yonke into ibonakala ngathi izakuqhubeka kumgca omnye, ngokuhla kwamaxabiso ezinto ezisetyenzisiweyo eziphambili ezithengiswa kwiimarike zezemali. Ayothusi into yokuba ujongene nale meko, Ukungaqiniseki ukuba amawaka abagcini abanezikhundla ezivulekileyo kwezinye zazo banokugcina. Mhlawumbi bafuna ukuthengisa utyalo-mali lwabo, kodwa amaxabiso asezantsi abarhweba ngawo aphazamisa umnqweno wabo wokuvala isivumelwano.

Emva kohambo olunzima kwiimarike kwiinyanga ezidlulileyo, izinto zinokutshintsha, ukuba azitshintshi, ewe ubuncinci kancinci kancinci. Le yingcinga yokuba abanye abahlalutyi abadumileyo bezemali bayasasazeka, ababonisa ukuba amaxabiso ezi asethi anokufikelela kwisilingi kulo nyaka uphelileyo, ukubuyisa ngokuthe ngcembe izikhundla zabo zakudala. Nangona kunjalo, ukuxabiseka okukhulu okanye okumangalisayo kumaxabiso abo akulindelekile.

Esinye sezizathu zokuhla kwexabiso kumaxabiso abo kufuneka sifumaneke kwinto eyenzekayo iTshayina. Kungenxa yokuba, ukwehla kuqoqosho lwayo kuthetha ukuba ukusetyenziswa, kunye nokungenisa elizweni, kwezinto ezingafunekiyo kuya kwehla kakhulu. Kwaye esi siphumo sesinye esidluliselwe kwiimarike, ngamahla abukhali kwixabiso lamaxabiso abo. Nokuba unentsholongwane engaqhelekanga ngexesha lokuzilolonga lokugqibela.

Kule meko yamazwe aphesheya ethiwe thaca kwiimakethi zorhwebo, abatyali zimali abancinci nangaphezulu bafuna ukuthatha isikhundla bazame ukwenza imisebenzi yabo ibe yinzuzo, nangaphandle kwesivuno esincinci, kwaye njengenye indlela yokulingana kwamasiko. Ukusuka kolu luvo ngokubanzi, mhlawumbi eyona nto intle ukuyenza kukulinda iinyanga ezimbalwa, de ujonge ngokuqinisekileyo ukuba ezi asethi ziguquka njani kwiimarike. Isemester yesibini yonyaka lixesha apho kuya kuba bubulumko ukuqala utyalo-mali.

Ungazithengisa njani ezi asethi?

Imakethi yaseJamani yenye yeentandokazi zokutyala imali kwimathiriyeli eluhlaza

Owona msebenzi unengxaki kubasindisi, njengoko inokuba kunjalo kwimeko yakho, iya kuba kukujonga ukuba zeziphi iimveliso ezifanelekileyo kakhulu kwimeko nganye. Ngenxa yeempawu ezizodwa zolu tyalo mali, ayingabo bonke abaya kufaneleka ukuthatha isikhundla kwezi meko zangoku, kuthintelwe kakhulu kuyilo oluthile, Ezinye zazo zinobunkunkqele ngokwenene, kwaye zindlongondlongo ngokweendlela zazo ezicwangcisiweyo.

Alithandabuzeki elokuba amathuba okwenza ishishini aya kuba phezulu, kodwa ngenkathalo ekhethekileyo kwisicelo sayo, kuba kuya kufuneka uthathe umngcipheko wokushiya ii-euro ezininzi apha endleleni, ngaphezulu kokuba ucinga. Kuphela ukuba uqhele ukuthengisa ezi mveliso, kuya kufuneka uvule izikhundla. Ukuba ayisiyiyo imeko yakho, kuya kuba ngcono ukuyeka umzamo kwaye uzame ukuwudlulisela kwezinye iindlela eziqhelekileyo zotyalo-mali, eziza ikakhulu zivela kwintengiso yesitokhwe.

Eyona ilula, kwaye ngaxeshanye ngqo, indlela yokutyala imali oyigcinileyo kwizinto ezisetyenzisiweyo ziya kuvela kukhuseleko oluhlanganiswe kwiimarike zesitokhwe, kwaye zinxibelelene ngokusondeleyo nazo. Kwimarike yemasheya yaseSpain akukho zininzi, ziyinyani, kodwa zinesisindo esibaluleke kakhulu kwisalathiso sayo esiphambili.

Izinto zokwenza imveliso kwimarike yaseSpain

Zimbini iibhanile zolu tyalomali ezizodwa kwilizwe lethu: UArcelor Mittal kunye noAcerinox. Imigca yeshishini layo isekwe kurhwebo lwezinyithi eziphambili ekusetyenzisweni kwemizi-mveliso. Amaxabiso abo kunyaka ophelileyo ehle kakhulu, ukwehla ukuya kuthi ga ngaphezulu kwama-50%. Kwanele ukukhumbula ukuba eyokuqala yeenkampani zentsimbi ihambile kwiinyanga ezimbalwa ukusuka kuluhlu lwee-10 ze-euro ukuya kwi-4 kuphela ngalo mzuzu. Ngelixa i-Acerinox iye yavela kwindalo efanayo, ukusuka kwi-15 ukuya kwi-9 ye-euro.

Kungenxa yoko le nto, ukuba amaxabiso ezinto ezingafunekiyo ngokubanzi efumana kwakhona ukusukela ngoku, ubuchule obuphezulu bezi stock bunomtsalane, kunye neethagethi eziphezulu kakhulu, ngaphezu kwamanye amacandelo. Kodwa ke, le meko inikwe apha ukuze babe nokubhabha ukusukela ngoku ukuya phambili. Akumangalisi ukuba abatyali mali abaninzi sele beqwalasele kakhulu ukuhla okuyekayo, ukuthatha isikhundla kwiimarike zesitokhwe ngezabelo zale nkampani.

Ngayiphi na imeko, ukuba olu lukhetho lwakho ukugxila kutyalo-mali lwakho, ungaya kwezinye iimarike zezemali apho ukunikezelwa kwezokhuseleko kunye nezi mpawu kubanzi. Uya kukhetha ukubafumana kwiNtengiso yaseMelika yaseMelika kunye naseYurophu. Ngokukhetha iinkampani ezihlangabezana nezi mfuno. Nangona kunjalo, kuya kufuneka uhlawule iikhomishini ezingaphezulu kunokuba uzenzile kwimarike yasekhaya, uphinda phinda amaxabiso abo. Nangona kuya kuhlala kukho ithuba lokufumana isithembiso sonyuselo kwiibhanki.

Ezinye iindlela zotyalo-mali

Iimveliso yeyona ndlela ilula yokurhweba ngezi asethi zemali

Ngayiphi na imeko, kukho ezinye iimveliso zezemali ezinokubakho ngakumbi zokuphuhlisa ukusebenza kwakho ngezi asethi zemali. Enye yezona zilungileyo zezemali yotyalo-mali esekwe kwimpahla yorhwebo, Kwaye abaphathi bakukhuthazile ukuze ube nezixhobo ezingakumbi zokusebenza kwezi ndlela. Ukongeza, kwaye njengendlela yokuzikhusela kwizimo ezigwenxa, ziya kudityaniswa nezinye izinto zexabiso eziqhelekileyo. Kusuka kwingeniso engaguquguqukiyo kunye nokwahlukileyo, kodwa nakwamanye amalungiselelo.

Ayiboniswanga, ukuba yenze imisebenzi yokuthelekelela ixesha elifutshane kakhulu, kodwa ixesha elide lokuhlala, ngokubanzi phakathi kweminyaka emi-2 nama-6. Zezona zifanelekileyo ukuze ukwazi ukuqokelela ngcono ukubuyisela kwakhona kwezinto ezingafunekiyo, kwaye hayi okwexeshana. Nokuba ikukhusela ngokugqibeleleyo ukusuka kumaxabiso aphezulu aveliswayo ngamaxabiso abo. Kwaye oko kuyothusa ngaphezulu kwesihlandlo esinye.

Enye yeemveliso ezenziwe ukuba zikwazi ukuphucula ezi ntshukumo zii-ETFs, apho ungayifumana khona enye yezona zinikezelo ezibanzi kwimarike yezemali. Ngoyilo oluthile, olungumxube phakathi kokuthenga izabelo kwimarike yemasheya kunye neengxowa mali. Kwaye bafaneleke ngakumbi kumtyali mali omncinci onje ngetyala lakho, ongafuni kuqesha iimodeli ezinoburharha ebusweni bokungazinzi kweemarike zezemali.

Kwaye okokugqibela, unayo imveliso ekuthiwa ivela kuyo. Iyingozi kakhulu kwaye inobungozi obukhulu ukuba uyabakhetha. Akumangalisi ukuba, baya kufuna indawo ephezulu yokufunda, ngamava aqokelelwe kwiminyaka edlulileyo. Kwaye ngokungathandabuzekiyo kunokukhokelela kwilahleko enkulu ukuba awazi ukuba ungayisebenzisa njani ngokuchanekileyo. Ayisiyongxaki ukuba abanconyelwa kuzo zonke iiprofayili zokugcina, kuphela ezona zinoburharha.

Zonke ezi mveliso sizityhile kuwe zingafunwa nguwe nangaliphi na ixesha, ukuba ekugqibeleni uqinisekile ukuba yenye yezona zinto zinomdla ekunikezeleni ukonga kwakho kwiinyanga ezizayo. Ukuze uthathe ithuba lokufumana kwakhona amaxabiso abo. Kwaye oko ngokutsho kwabahlalutyi abaliqela kunokuba kufutshane, nangona kungekho ngaphandle koscillations okukhulu kunye nokungazinzi. Ayothusi into yokuba akukho lula ukunyanga, kwaye kuncinci kwiimveliso ezinzima.

Iingcebiso ezilishumi eziphezulu kolu tyalo mali

Iingcebiso eziphezulu zokutyala imali kwizinyithi ezixabisekileyo

Ukuba ufuna ukuphucula izikhundla zakho kwii-equity, uya kunyanzeleka ukuba uphuhlise izikhokelo zenyathelo esiziveza apha ngezantsi.

  1. Ukubanakho ukuxabiseka kwempahla kukhulu kakhulukwaye ngaphezulu kokulindelweyo kwezinye iiasethi zemali eziqhelekileyo, nangokubanakho ukuphinda kabini isivuno.
  2. Ludidi lotyalo-mali olunemingcipheko emininzi, kwaye, akucebisi ukuba yenziwe phantsi kweentshukumo ezinamandla zemali. Ukwabiwa kuphela kwenxalenye encinci kuya kuba ngaphezulu ngokwaneleyo.
  3. Kuphela ngabatyali mali abanamava ngazo zonke iintlobo zeemarike ngabo kufuneka bavule izikhundla ezinde Kwezinye zeemveliso zemali ezichazwe ngasentla.
  4. Sukugxila kwinto enye eluhlazaKodwa kuyacetyiswa ukuba uzame ukwahlula utyalo-mali lwakho nezinye iindlela zotyalo-mali, udibanise nezinye iimveliso zengeniso ezingaguqukiyo.
  5. Zama ukubamba nawuphina umqondiso apho intshukumo yangoku ye-bearish iyeka khonaNgexesha elibonakala ngalo, ngoku zama ukwenza utshintsho kwimo enenzuzo ngokuhamba okukhawulezayo okulindele umkhwa omtsha.
  6. Ukuba awuyiqondi kakuhle le mveliso, kungcono ungazisebenzisi, kuba ekupheleni kosuku iya kuba yimali yakho oza kuyidlala.
  7. Zizicwangciso zobuchule, eziya ziguquka ngcono kwimeko ezinabileyo zoqoqosho, kwaye ethi kwiimeko ezichaseneyo zithande ukuvelisa iintshukumo ezinobundlobongela ezantsi.
  8. Kuya kufuneka ukuba ulwazi kakhulu uqoqosho lwaseTshayina, ukuba awufuni kufumana isimanga esingalunganga. Nakuphi na ukuphambuka ekukhuleni kwayo kungathoba amaxabiso ezinto ezisetyenzisiweyo eziphambili, kwaye okona kubi kakhulu, kwiiseshoni ezimbalwa zorhwebo.
  9. Uya kuba nayo phambi kwakho uthotho lwezindululo zotyalo-mali, kuba ubukho bazo kwiimarike zezabelo bunamandla kakhulu, kunye neeasethi zendalo eyahlukileyo.
  10. Phambi kokuba uthathe izikhundla kolu didi lotyalo-mali, kuya kuba ngaphezulu kokuqonda landela ukuvela kwabo kwiimarike, kwaye uzame ukuziqhelanisa neentshukumo zabo, nokuba zisenokungaguquguquki kangakanani na.

Izimvo ezi-2, shiya ezakho

Shiya uluvo lwakho

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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.

  1.   UMigueli sitsho

    Lixesha lokuba ubeke ii-euro ezimbalwa kwioyile eyonwabileyo?

    1.    UJoseph kwakhona sitsho

      Okwangoku, linda, kuya kubakho ixesha, kunye neziqinisekiso ezinkulu