Ubhetyebhetye obukhoyo kwimarike yangoku yemali ikuvumela ukuba utyale isilivere kwizicwangciso ezahlukeneyo zokwenza utyalomali lwakho lube nenzuzo. Kwezinye iimeko phantsi kwezindululo ezingaphezulu okanye ezingaphantsi kwesiqhelo, kodwa kwezinye iimeko kusetyenziswa iimveliso ezinobunkunkqele kwaye zingakhululwa kubungozi. Nokuba usuka kwiimalike zekamva apho usesikhundleni sokuthenga okanye ukuthengisa isinyithi ngexabiso elibekwe ziimarike apho zidweliswe khona ezi asethi zemali. Ukuze ngale ndlela, ube nokuxhamla kuphononongo olunokubakho kule ndlela unayo kutyalo-mali.
Eyona ngxaki iphambili ekufuneka uyenelisile yile mfuno kukuba azikho iimveliso ezininzi ezibonelela ngale nkonzo ikhethekileyo. Le misebenzi inokwenziwa kulo naliphi na igalelo lezemali ukuze uhlengahlengiso kuhlahlo-lwabiwo mali lwakho. Unokhetho lokwenza utyalomali ngokwasemzimbeni, zombini kwi-bullion nakwiingqekembe. Nangona mhlawumbi eyona ndlela ilula idluliselwe kutyalo-mali oluvezwe kwesi sinyithi sixabisekileyo.
Ukusuka kule meko ngokubanzi, eyona ndlela iphambili yokutyala imali kwisilivere kungokubambisana kwemali. Ukulungiselela ukubhenela kwezinye iindlela ezinikezelwa ngabaphathi. Nokuba yeyiphi na indlela, abaqinisekisi naluphi na uhlobo lwenzuzo, kodwa ke basekwe kuqikelelo oluveliswe kwiminyaka edlulileyo. Nangona kufanelekile ukuba ukuthengwa kubekwe esweni ngabahlalutyi bezorhwebo. Kuba, enyanisweni, hayi kuzo zonke iimeko kuyacetyiswa ukuba uvule ukusebenza kwesi sinyithi sixabisekileyo.
Ukuthenga ngokwasemzimbeni: i-bullion okanye iingqekembe?
Owona mthombo uphambili ofumanekayo kubatyali mali abancinci nabaphakathi kukuya kuthengwa ngokwentsimbi. Lo msebenzi unokuqhutywa ngeengotshi okanye iingqekembe. Kuzo zombini iimeko, lutyalomali oluqhelekileyo kwaye luyakunceda ukwahluka utyalo mali. Ukongeza, inokusebenza njengesixhobo sokuqokelela okanye ukuyithengisa ngelona xesha lifanelekileyo. Ngenzuzo eqokelelweyo ngokuhamba kwexesha. Ukuhanjiswa ziinkampani ezikhethekileyo ezinenkonzo yokuphononongwa ngononophelo.
Ukuba ukhetha esi sicwangciso sotyalo-mali, kuya kufuneka ukhumbule ukuba ayizizo ezona zinto zixhaphakileyo kubatyali zimali zentengiso. Igcinelwe udidi oluchazwe kakuhle lwabasebenzisi kuba yinkqubo enokuba nobunzima ngakumbi kuneemveliso ezahlukeneyo zemali. Kufuneka uhambe kakuhle kakhulu kwezi marike kwaye unamava okwenza imisebenzi ibe yinzuzo. Ngayiphi na imeko, lelinye ithuba onalo lokwenza iiasethi zakho zibe nenzuzo. Kule meko, phantsi kweendlela zentsusa ngakumbi kunakwamanye amaxesha.
Ngokubhekisele kwiingqekembe zesilivere, olona ncedo lukhulu kukunikwa yile misebenzi kukuba unokuzithenga ngalo naliphi na ixabiso. Kuba, enyanisweni unokuzihambisa ezi zinto zifunyenwe kwi-100 kuphela ze-euro kunye nezinye ezinesidingo esikhulu semali, ngaphezulu kwe-5.000 euro. Kwimeko nayiphi na into, awukwazi ukulibala ukuba le ntsimbi, njengesilivere, ixhomekeke kwimfuno kunye nokubonelela ngemikhosi yeemarike zamazwe ngamazwe. Apho kungothusi ukuba izibonelelo zikhawulelwe ngokubhekisele kwezinye iindlela eziqhelekileyo okanye zemveli zotyalo-mali.
Iingxowa-mali ezihlangeneyo zesilivere
Unokufumana imali yotyalo-mali ehlangabezana neemfuno zabaphathi. Ngokusisiseko iinkampani zemigodi, iziseko, abenzi bezacholo kunye nabalamli bentsimbi exabisekileyo. Ewe akukho zikhetho zininzi unazo, kuba zimbalwa iimali ezihlangabezana nezi mfuno. Apho iikhomishini eziphezulu ziya kuba yenye yeentshaba ezinkulu ekuqeshweni kwakho. Utyalomali, ngamafutshane, olucetyiswayo kumaxesha aphakathi kunye nexesha elide.
Ngayiphi na imeko, yenye yeemveliso ezibonisa ukuxabiseka kwamaxabiso. Awunakulibala ukuba kule minyaka idlulileyo bekukho into ebalulekileyo khawulezani I-bullish eye yanceda bonke abagcini. Kwanakwimeko ezininzi ezigqitha kwimbuyekezo yezabelo zamasiko. Ukuya kwinqanaba lokuba le meko inyukayo ikhatshwa zizinto ezinqabileyo: igolide, iplatinam, ipalladium, njl. Kwiimeko ezininzi imbuyekezo ephantsi kulondolozo olunemivo emibini.
Owona mqobo uphambili ekuthatheni isikhundla kwisilivere ngokusebenzisa imali yotyalo mali kukuba ixabiso layo liqhutywa kwiimarike zamanye amazwe ezinje ngeNew York okanye iLondon. Ziimarike apho ukubaluleka kwale asethi yemali kubaluleke kakhulu. Kwaye nabatyali mali abaninzi abakhetha le modeli ikhethekileyo kunye neyantlandlolo. Ukongeza, ezinye iintlobo ezintsonkothileyo zokusebenza zibandakanyiwe njengendawo, yexesha elizayo kunye nexesha elifutshane, ukhetho kunye neziphumo ezinxulunyaniswe nesilivere. Uluhlu olubanzi lwezindululo, njengoko ubona ukusukela ngoku.
Ungena nini kwimarike
Akukho qhinga lingcono lokuthatha izikhundla kwisilivere kunokungena uthathe ithuba lokufumana imali kwezi asethi zemali. Ngoncedo olongezelelekileyo lokuba baphuhlise intshukumo ethe nkqo kwikoteyishini yamaxabiso abo anokufikelela kwizivuno ezingaphezulu kwama-25%. Kwaye nakweyiphi na imeko, iphezulu kunezo ziboniswe lolunye utyalo-mali. Ingxaki yabatyali mali ilele ekukhetheni ixesha elifanelekileyo lokuqalisa ukusebenza kwabo.
Lutyalomali olunokuba luncedo kakhulu kuba yinto yexabiso eyimali ethathelwa ingqalelo njengendawo ekhuselekileyo kwiimeko ezininzi. Ngokukodwa ngamaxesha okungaqiniseki kunye nokungazinzi kwezoqoqosho. Ukuza kuthi ga kwinqanaba lokuba uninzi lweeselver zisabela kule ntsimbi ukwenza ukonga kwazo kube luncedo. Ukusuka kwizicwangciso ezahlukeneyo zotyalo-mali, kuxhomekeke kwiprofayili ebonakaliswa ngaba bantu. Amaxesha amaninzi ngenxa yokunqongophala kwezindululo zokufezekisa inzuzo kwiimarike zezemali.
Isilivere iyathengiswa kwiimarike ezingqongqo ezihlawula ikakhulu umthetho wobonelelo kunye nemfuno. Le nyani ikhuthaza ukuba ukususwa kwamaxabiso abo kudlule kwiiyantlukwano ezinokubangela ukuba uphumelele okanye uphulukane ne-5% yemali oyifakileyo kwiseshoni enye. Eyona nto ibaluleke ngakumbi xa kusenziwa ukungazinzi ngakumbi kwezi marike zezimali. Ukuya kwinqanaba lokuba banokwenza isilivere ibe yinto efanelekileyo kakhulu yokunyusa ukusebenza kwangolo suku.
Ukungancedi kokusebenza kwakho
Ngapha koko, ayizizo zonke izibane ezikolu hlobo lotyalo-mali olukhethekileyo. Kuba, enyanisweni, ithatha uthotho lomngcipheko wokuba kulunge kakhulu ukuba amaxabiso abonakalise ukuba ngaba kufanelekile ukuba ungene kwizikhundla zabo ukusukela ngoku. Kuba nayiphi na impazamo inokukuzisela isimanga esibi. Ngokukodwa ukuba awunayo imfundo eyaneleyo kwiintshukumo zabo. Ezi zezinye zezinto ekufuneka uzithathele ingqalelo ngoku.
- Ukuba awazi ukuba usebenza njani ngezi asethi zemali, kuya kuba ngcono ukuyeka kwaye ukhethe olunye utyalo-mali oluchanekileyo kwiprofayili yakho njengomtyali mali omncinci nophakathi. Ubuncinci uya kuthintela ukungalingani kwimilinganiselo yokungena kunye nokuphuma kwesilivere.
- Udinga ingcebiso echanekileyo ukuba ufuna ukucwangcisa ngempumelelo ukusebenza kwakho ukusukela ngoku. Nokuba bacebisa ukudibanisa isilivere kunye nezinye iiasethi zemali. Njengomzekelo, ngeemveliso zengeniso eziguqukayo kunye nezisisigxina kwaye kunokuba yimfuneko kunye nedipozithi yebhanki yekota. Kuba ulwahlulo lweemali ezinkulu lunokunceda ekuphuculeni kungekuphela ekubuyiseleni kulondolozo. Kodwa eyona nto ibaluleke kakhulu kukubakhusela kwezona meko zingathandekiyo kwiimarike zemali.
- Imiqathango yeekhontrakthi zeemveliso ezisekwe kwisilivere ziya kufumana ukufaneleka ngokukodwa. Apho kuyakubaluleke kakhulu ukuhlalutya ngokweenkcukacha ukuphela kwayo, iikhomishini, izohlwayo, njl. Kungenxa yokuba ukusebenza kwabo kunokuba neendleko eziphezulu kunezinye iimveliso ezilungiselelwe utyalo-mali.
- Ukutyala imali kwizinyithi ezixabisekileyo, ezinje ngesilivere kule meko, kufuneka kuthathelwe ingqalelo njengomngcipheko kunabanye. Ayothusi into yokuba ilandele uthotho lwezikhokelo ezahlukeneyo zamaxabiso. Njengoko ayinanto yakwenza nokuvela kwamaxabiso amaxabiso omvuzo oguqukayo.
- Kuphela ukuba unesicwangciso esichazwe kakuhle apho unokukhetha le ndlela ingaqhelekanga. Kuba ininzi imali onokuyifumana ukusukela ngoku. Kodwa ngendlela efanayo, ukuphulukana nayo ngenxa yendlela embi kwiimarike. Ungalibali ukuba ufuna ukukhusela iminikelo yakho yezemali.
- Ayisiyi kukuhambisa kuphela kwiimarike apho kudweliswe khona le asethi ibalulekileyo yezemali. Kodwa unokukhetha ukuthengwa kwezinto ezibonakalayo ukuba oku kungumnqweno wakho. Nangona ngeendlela ezahlukileyo zotyalo-mali zivela kwiindawo zokujonga. Ukuza kuthi ga kwinqanaba lokuba ziya kuba ziindlela zotyalo-mali ezingayi kuba nanto yakwenza nabanye.
- Kananjalo akufuneki ithathelwe phantsi ukuba isilivere sisinyithi ekunqabileyo ukuba sibekho kwezona mveliso zezezimali ziqhelekileyo. Enye yezona zinto zibalaseleyo zimela lo mkhwa ziimali ezirhweba ngokutshintshiselana okanye ii-ETFs. Ukumiliselwa kolunye lwezona zikhetho zibalaseleyo onokuthi ukwanelise eli bango ngesiqinisekiso esikhulu sempumelelo kwimisebenzi eqhutywa kwezi ndlela zikhethekileyo.