Umphathi waseMelika u-Fidelity ube ngowokugqibela ukujoyina uluvo lokuba olona khetho lulungileyo lokwenza ukonga lube nenzuzo ngalo mzuzu zii-equity. Ukwenza oku, abatyali mali kufuneka babe nesibindi ngakumbi kwaye bathathe umngcipheko obandakanya ezi ntlobo zemisebenzi. Nokuba yeyiphi na indlela, ingcebiso yalo mthetheleli ihamba kwimigca yokuqhubeka nokubonisa ukuzithemba kwiimarike zezabelo. Ngaphandle kokubaluleka uphononongo Eziye zaveliswa kule minyaka isibhozo idlulileyo. Ukuya kwinqanaba lokuba Okwesibini elona xesha linamandla ukusuka kwi-WWII. Ngayiphi na imeko, iya kuba sisigqibo ekufuneka usenzile ngokobuqu okanye ngengcebiso yengcali ngeli xesha.
Ukusuka kule ndlela ngokubanzi, ngumzuzu xa uzityala ngokwakho I-pose ibe yinto enobudlova ngakumbi kutyalo-mali lwakho ukusukela ngoku. Ngaba ukulungele? Kule meko, awuzukukhetha ngaphandle kokwazi ukuba zeziphi iinguqu ezikhoyo kweli xesha. Ngale ndlela, kwingxelo yabo yekota yamva nje, iingcali zenkampani yezemali kunye notyalo mali zibonisa ukuba amaxabiso kwezinye iindawo ahamba ngokwamanqanaba aphezulu kodwa, ngokubanzi, ahlala kude nakweziphezulu zika-2000, xa umnxeba waqhuma. Ibhola yedotcom.
Kananjalo ayinakulityalwa ukuba unxibelelwano olucacileyo kwizenzo zeebhanki eziphambili zayo yonke. Okanye ubuncinci obufanelekileyo. Ngayiphi na imeko, lolunye lweendonga ukuthintela ukuqhekeka ekubeni kuveliswe kwimarike yemasheya enefuthe elikhulu. Ezifana nezo zenzeka ngo-1987 kwaye zibaluleke kakhulu kwi-30 yekhulu lokugqibela. Ngale ndlela, kunzima ngakumbi kwezi ziganeko zinzima ukuba ziphuhle, ezinokuchaphazela uninzi lwabatyali mali abancinci nabaphakathi.
Ngaba unesibindi kwimarike yemasheya? Kukho ubumbano lwehlabathi
Olunye lolona tshintsho lubalulekileyo kule minyaka kukuba iimarike zamashishini ezingenanzala emisiweyo zenziwa kwihlabathi liphela. Inkqubo ye- unxibelelwano kwiimarike zamasheya kucacile kunakuqala kwaye nawuphi na umsitho okanye umsitho weendaba uneziphumo kwihlabathi liphela. Ngamanye amagama, iingxaki kummandla we-euro azichaphazeli le ndawo kuphela. Kodwa ngokuchaseneyo banwenwela nakwezinye iindawo zomhlaba. Umzekelo, iimarike zesitokhwe zamazwe aseAsia. Kuhlala kukho ikhonkco kwaye kunjalo ngaphezulu kunamanye amaxesha kwimbali yakutshanje yelizwe lotyalo-mali.
Ngale ndlela, umbono wokuba iimarike zezemali abanalo uvelwano ngoko kwenzekayo kwamanye amazwe ehlabathi. Zombini kwezona meko zintle kwaye zingathandekiyo kwiimarike zezabelo. Ukuza kuthi ga ngoku akukho nto ingakhathaliyo kubatyali mali. Nantoni na idlala indima, ukusuka kwi-euro ukungazinzi ukuya kuzinzo kwezopolitiko kwamanye amazwe. Njengokuba kusenzeka okwangoku ngeengxaki phakathi kweSpain neCatalonia. Kwaye njengamanye amatyala amaninzi.
Iindlela zokuzikhusela
Enye into eyahlukileyo kwiimarike zezemali kukuba kukho izixhobo ezikhulu zokuzikhusela kumaxesha anzima kwimarike yemasheya. Enye yezi zenzo ivela kwizenzo zeebhanki eziphambili, ngapha nangapha kolwandle. Apho imigaqo-nkqubo yezemali yenye yezenzo zokumisa intlekele enokwenzeka kolu hlobo lweemarike zezemali. Njenge KwiBhanki ePhambili yeYurophu (ECB) emva kwengxaki enkulu yezoqoqosho eyaqala ngo-2007.
Kule mihla izinto eziphilayo zinamandla amakhulu esigqibo ukuze enye yeemeko ezingathandekiyo kwiimarike zezabelo zingenzeki. Nkqu Inaliti yokuhlawula njengoko kwenzekile i-European Central Bank kunye ne-Federal Reserve yase-United States. Ayothusi into yokuba ngomnye wemisebenzi abayenzayo ngalo mzuzu. Zama ukungavumeli ukuba iingxowa ziphume esandleni. Kuba iziphumo zinokuba yingozi kakhulu kwimidla yamazwe okanye yejografi zehlabathi.
Ukuguqula isicelo semveliso
Kude kube yiminyaka embalwa edlulileyo, ibingakholeleki into yokuba ukonga kunokwenziwa kube nenzuzo ngexesha elibi kwiimarike zezabelo. Kuba ngezinto ekuthiwa ziimveliso ezinxaxhileyo kunokwenzeka ukuba fumana imali kwezi meko zikhethekileyo. Kwaye kuninzi kakhulu, nangona ngexabiso lokuthatha umngcipheko wokugqibela kwimisebenzi nganye eyenziwa ngabatyali mali. Esinye sezi zicwangciso senziwe ngezixhobo zotyalo-mali, ezinje ngeemali zotyalo-mali okanye iziqinisekiso.
Kodwa mhlawumbi isindululo esitsala umdla omkhulu kubatyali yimisebenzi ye ukuthengiswa kwetyala. Apho ukhuseleko olukhethiweyo luza kuphulukana nezikhundla kwixabiso lalo, imali enokuphumelela kwezi meko zingaqhelekanga iya kuba nkulu. Ezi ntshukumo zibonakaliswa kuba unokufumana imali eninzi, kodwa kwangaxeshanye kukushiyele ii-euro ezininzi apha endleleni. Yinto ekufuneka uyithathele ingqalelo xa ulingeka ukuba uvule izikhundla kuyo nayiphi na le mveliso yezemali.
Iimali zotyalo-mali ezinobungozi obuninzi
Nokuba yeyiphi na, iimali zotyalo mali ziyimodeli esetyenziswa kakhulu ngabatyali zimali abancinci nabaphakathi ukukhetha olu hlobo lotyalo mali. Bayakuvumela ukuba ukhethe nkqu nesalathiso apho ucinga ukuba amaxabiso abo anokuhla. Kuphela kubulungisa belizwe kodwa nangaphandle kwemida yethu. Ngokusebenzisa imodeli yotyalo-mali elula kakhulu kunezinye iindlela ezintsonkothileyo. Ngoncedo olunokubakho iqulathe ezinye iiasethi zemali, kuzo zombini ingeniso emiselweyo nengafaniyo. Okanye kwezinye iindlela okanye iindlela ezintsha.
Olu didi lweemali zotyalo-mali lufaneleke ngokukodwa ixesha elifutshane kakhulu. Ngamaxesha athile, njengoko kungenakucingelwa ukuba kunokwenzeka kwingozi yemarike yemasheya. Apho ngokuqinisekileyo uya kufumana imali eninzi kwaye ewe ngaphezulu kunokuba unokucinga kwasekuqaleni. Into ongakhange uqiniseke ngayo xa ezi ziganeko zenzeka kwiimarike zezabelo. Zintsha izixhobo onokuthi uthembele kuzo ukuze wonge imali yakho. Ke ngale ndlela, ibhalansi yeakhawunti yakho yokutshekisha ilunge ngakumbi kwimidla yakho njengomtyali mali wevenkile.
Kulula ukuyifumana
Enye into entsha enamaxesha amatsha asigcinele yona kukuba ezi ntshukumo zingxamisekileyo kwimarike yemasheya zinokufunyanwa ngokuthembekileyo. Ngedatha yezoqoqosho eveliswa mihla le, kodwa ngaphezulu kwayo yonke into Uhlalutyo lweengcali lweemarike zezemali. Nangona kukho umngcipheko wokuba unokudideka kunye namahemuhemu nje. Ukuya kwinqanaba lokuba ungabanjwa ziintshukumo ezingafunekiyo. Kwelinye icala, awungekhe ulibale ukuba imibutho ephambili yamanye amazwe inokulindela ezi meko ngenjongo ethile.
Ngale ndlela, kwakusele kukho amazwi afanelekileyo alumkisa malunga nengxaki enkulu eyayiza kwenziwa kwiminyaka elishumi eyadlulayo. Nangona kunjalo, eyona ngxaki iphambili kwezi zilumkiso kukuba kwiimeko ezininzi ayingabo bonke abemi abakwimeko yokufikelela kolu hlobo lolwazi. Kodwa ngokuchaseneyo, bambalwa kakhulu abaya kuba nakho ukulindela ezi ntshukumo kwizabelo. Ngokuqinisekileyo yenye yeengxaki ezinkulu oya kujongana nazo ukusukela ngoku.
Lindela izinto eziza kwenzeka
Kule meko, kukho abanye abalamli bezezimali esele iinyanga ezininzi kunokwenzeka ukuba sisondele kakhulu kuqhushumbo olunamandla kwimarike yemasheya. Bade babhekise kwinto enokwenzeka ngexesha lomthambo olandelayo. Kulapho kuya kufuneka khona xabisa olu hlobo lolwazi olukhethekileyo. Ukuchonga ukuba lifikile ixesha lokutshintsha kakhulu ipotifoliyo yakho yotyalo-mali. Apho kungayi kubakho khetho ngaphandle kokuya kumaxabiso okusabela anokuba yinzuzo ngakumbi kwezi meko zintle zeemarike zamasheya zamanye amazwe.
Ixesha lokutyala imali kwenye yezona asethi zixabisekileyo. Apho kufuneka ulindele khona imicimbi. Into enzima kakhulu ukuba yenzeke ngaphandle kokuba ukwimigudu yesigqibo. Awuyi kuba nalo naluphi na uhlobo lokuqiniseka malunga nento enokwenzeka kwiinyanga ezintathu, ezintlanu, okanye nangaphezulu. Nangona kunjalo into onokuyenza kukunika ukhuseleko ngakumbi kutyalo-mali lwakho. Umzekelo, ukusuka kwii-equity ukuya kwiimveliso zebhanki okanye nakwimali yotyalo-mali. Eyona njongo iphambili kukukhusela ulondolozo lwakho ngokuchasene nokungabikho kozinzo olomeleleyo njengolo lwenzeka kwiingozi zentengiso yezabelo.
Awungekhe ulibale ukuba ukuba ziyenzeka, ungaphulukana nesiqingatha seminikelo yakho yezemali ngonaphakade. Yinto ebaluleke kakhulu ukwenza ukuba ucinge ukusukela ngoku. Kuba omnye wemithetho esisiseko kwii-equity kukuba akukho mfuneko yokuba uhlale utyala imali. Yimpazamo enkulu enokwenza ukuba ulahlekelwe yimali eninzi. Ngesisombululo esilula kakhulu kwicala lakho kwaye oko kubandakanya ukuthatha izikhundla xa imeko yeemarike zezemali icebisa njalo. Ngaphandle kokwenza oko kuya kufuneka utyale imali ngokungeyomfuneko kwaye uthathe umngcipheko omninzi. Ewe ngaphezu kokufuneka. Ngamafutshane, kukwenza ukuba ucinge ukuba kufanelekile ukwamkela le mngcipheko uphakamileyo.