Xa amasheya ewa okanye ephantsi kokungazinzi okukhulu kumaxabiso awo, unokuba nesiphene kwimbono yotyalo-mali. Kulungile kuba eyakho ezinye iindlela ukwenza ulondolozo lube nenzuzo okanye ngenxa nje yokuba usoyika kakhulu ukulahlekelwa sisiqingatha esilungileyo solondolozo oluqokelelwe ngethuba leminyaka yomsebenzi. Kodwa ukufika kwe indlela entsha kwizabelo Kukhokelele koku kuyeka ukuba yingxaki yokukhuthaza utyalomali. Isenokuthetha namathuba amatsha eshishini owawungaziwa ngokupheleleyo kude kube ngoku.
Kungenxa yokuba, usenokungazi, kodwa kangangeminyaka eliqela unokwenza ulondolozo lwakho lube nenzuzo ngezona meko zingathandekiyo kwii-equities. Nokuba uneepesenti ezinomtsalane ngakumbi kwimidla yakho yobuqu. Ngokubanzi ngeemveliso ezithile zemali, kodwa bayalibala ngezona zinzima kakhulu. Umzekelo, Iziphumo, ikamva okanye ukhetho phakathi kwezinye zezona zibalulekileyo. Ke ukusukela ngoku awusenazo izizathu zokuba ungatyali imali ekhoyo. Kwezona meko zimbi kwiimarike ze-equity.
Ukulindelwa okutsha kuvulelekile kuwe kutyalo-mali ongenakuphulukana nalo phantsi kwazo naziphi na iimeko. Kwiimeko ezininzi, iya kuba ziindlela ezintsha zotyalo-mali obungakhange usebenze kuzo. Ke ngoko, uyakufuna ukufundela ukuqonda ukuze uqonde ezi modeli zezemali. Kwaye kutheni kungenjalo, kunye nedosi ephezulu ye Inkcubeko yezemali. Kuba bafuna ukhathalelo olukhethekileyo kwimisebenzi yabo. Yiba ngumtyali mali okhuselayo okanye okhuselayo ngakumbi. Ngayiphi na imeko, amava aya kuba lixabiso elongeziweyo lokwenza ezi zinto kwiimarike zezabelo. Ngaba ukulungele ukuzibekela ezi njongo?
Ukungazinzi kwii-indices zesitokhwe
Elinye lamaqhinga onawo ngokuthe ngqo kukuthenga kunye nokuthengisa izabelo. Njani? Ewe, kulula kakhulu, ukhetha uthotho lwee-indices zesitokhwe ezisekwe kolu phawu lubalulekileyo lweemarike zezemali. Kubo unesindululo esingaqhelekanga apho unokwanelisa iminqweno yakho yokwenza utyalomali. Kungenxa yokuba eqinisweni, iimarike zezabelo ziye zalwenza olu khetho. Ukusuka kwiindlela, ewe, nzima ngakumbi kunakwenye iklasi yokusebenza okuqhelekileyo.
Elinye lala manyathelo livela Isalathiso sokuguquguquka kweVIX. Indlela yayo yokusebenza isekwe kwinto yokuba isimilo sayo siguqukele ngokupheleleyo kwii-indices zesitokhwe. Ngamanye amagama, ukuba imakethi yentengiso inyuka, le index yenza ngokuchaseneyo, oko kukuthi, iphantsi. Kwaye ngesizathu esifanayo kwicala elichaseneyo ngokunjalo. Ngamafutshane, iya ngokuchasene nomsinga wokuvela kweequities. Ngale ndlela, unokwenza okuninzi kwezi meko zinokwenzeka nangaliphi na ixesha. Nokuba ngaphakathi kweentsuku ezimbalwa.
Kuyinyani ukuba ujongene nenkqubo yotyalo-mali enzima ngakumbi. Ukuthintela ezi ngxaki, unokhetho oluninzi olulula lokutyala imali oyigcinileyo kwimeko yokungazinzi. Njengakwimeko ethile yesalathiso Nikkei Ukuguquguquka. Ngale modeli yotyalo-mali ungayenza ngokuthe ngqo ngaphandle kokuphazamiseka. Ingxaki ephambili ekukhetheni esi sicelo kukuba yimarike ekude kakhulu kwindawo yakho yendalo ukuvula izikhundla kwii-equities. Kwaye yeyona nto imbi kakhulu kwimidla yakho. Ayikho enye into eneekhomishini ezibanzi ngakumbi eziza kwenza ukuba imisebenzi ibize kakhulu. Kodwa ubuncinci uya kuba ne-echo kule bango likhethekileyo elimelwe kukungazinzi kwiimarike zezemali.
Iimali zotyalo mali njengamahlakani
Kodwa ukuba kukho imveliso enokulandela le ntanda-bulumko, ayikho enye ngaphandle kwemali yotyalo-mali. Kodwa ukuba nje kusekwe kwimeko yokungazami kwayo nayiphi na iasethi yezemali. Ayiphumi nje kwingxowa. Kodwa nayo ezinye iimarike ezizezinye ezinjengezo zesinyithi ezixabisekileyo, izinto ezingafunekiyo kunye nokuthengiswa kwezindlu kunye nemali. Akukho mida kulwandiso lwayo. Ngenxa yento entsha ephuhlisiweyo kule minyaka idlulileyo kwiimveliso ezahlukeneyo zemali. Kubandakanya ibhegi uqobo njengoko ubona ukusukela ngoku.
Ukuba ufuna ukuqesha ingxowa-mali yezi mpawu, awuyi kuba nangxaki ekuhlangabezaneni nemfuno. Kuyinyani ukuba azininzi, nangona ixesha ngalinye abaphathi bejongana nale mfuno yabatyalomali. Kunye iimali ezizodwa kakhulu kwii-asethi zemali ezahlukeneyo. Ukusuka kwintengiso yesitokhwe ukuya kwizinyithi ezixabisekileyo okanye kwintengiso yemali. Ezi ziimodeli zotyalo-mali ezibonakaliswa yinto yokuba zenzelwe ukuba zingabikho ixesha elide. Njengomahluko ophambili ngokubhekisele kwelinye iklasi kwezi mveliso zezezimali.
Ukuqeshwa kwabo akubandakanyi inkcitho eyongezelelekileyo, nokuba kungakanani na iikhomishini ezibanzi. Kodwa ngokuchaseneyo, balawulwa ziimeko eziqhelekileyo zeemali zotyalo-mali. Umahluko kuphela kukuba kwezi meko unokuxhamla kwimeko yokungazinzi kwiimarike zezemali. Nangona ingenzeki, ungavelisa ukuwa okunzulu kwiminikelo yakho yezoqoqosho. Ayothusi into yokuba yenye yeengozi omele uzithathe xa usenza ngokusesikweni ukusukela ngoku.
Ungayisebenzisa njani kwintengiso yemasheya?
Ukuba nangasiphi na isizathu, awunakho okanye awunqweneli ukubhalisa kwiimveliso zemali ezichazwe apha ngasentla, unayo enye indlela. Nangona i-rudimentary, kuluncedo kakhulu ukuba uzuze kwezi zinto zikhethekileyo kwaye ngaxeshanye iimeko zobugwenxa. Yinto elula nje ukuthenga izabelo kwiingxowa zezindululo ezisebenza ngokukuko kwezi meko. Kungenxa yokuba, kuhlala kukho amaxabiso omnye anolwazelelelo ngakumbi kwezi ntshukumo kwiimarike. Kukubo apho kuya kufuneka ungenise esi sicwangciso sotyalo-mali.
Kuzo zonke, zezona zikhuselayo ezizifezekisayo izinto ozilindeleyo. Ngaphezulu kwamanye amacandelo ajikelezayo okanye alandela iphethini yezona ndawo zimelwe kukulingana. Ukusuka kule ndawo yokujonga, iinkampani zombane zinokuba lukhetho olufanelekileyo. Amaxabiso abo aya kuba sengozini yokutshatyalaliswa yimarike. Apho unako khona Ukuqokelela isahlulo esisigxina kunye nesiqinisekisiweyo qho ngonyaka. Ngesivuno sonyaka esinokunyuka siye kwi-8%. Ukwenza ingeniso emiselweyo ngaphakathi okwahlukileyo.
Elinye lamacandelo kwizabelo ezisesichengeni sokusebenza kwakho lelona linayo iinkampani zokutya njengeziko leshishini lakho. Bakhulisa iintshukumo ezifana nombane, ngaphandle kokuthambekela okuncinci kokuvelisa iimpembelelo ezinobundlobongela kwikoteyishini yamaxabiso abo. Zingasetyenziselwa ukungenisa ezi zicwangciso ezinxulumene ngokusondeleyo nokungazinzi kweemarike zezemali. Ukongeza, inokubonakaliswa ngokubanzi kwezi zindululo zokuzikhusela kwimarike yaseSpain.
Ukuthengisa ngetyala, ngomngcipheko omkhulu
Unazo kwezi mveliso zintsonkothileyo esinye sezixhobo zokuphuhlisa isicwangciso-mali sakho. Ngaphantsi kweendlela ezizodwa ezahlukileyo kwezinye iimveliso zezezimali. Ukuba ucinga ukuba ukhuseleko okanye iasethi yezemali izakuphulukana nenzuzo kwezi nyanga zimbalwa zizayo, oku kunokuba lithuba lokwenza ishishini. Kungenxa yokuba eneneni, ukuthengiswa kwetyala kuthabatha le meko ngamandla okhethekileyo. Ngaphezulu kwezinye iimodeli zotyalo-mali. Kodwa kukwakho ezininzi ingozi ukuba unokwenza isivumelwano kunye nokusebenza kwayo. Hayi ngelize, ukuba utyalo-mali aluphuhliswanga ngokokulindelweyo, zininzi i-euro onokuthi ushiye endleleni. Ngaphezulu kunokuba ubucinga ekuqaleni.
Kungenxa yokuba le yimisebenzi enoburharha efuna amava amakhulu nolwazi lweemarike zezemali. Ziyimveliso, ke ngoko azikukhuthazwa kuyo nayiphi na iprofayili yotyalomali. Ukongeza, banobucukubhede obuntsonkothileyo obunokubangela ukuba ungaqondi ukuba kufanele usebenze njani kwintengiso yetyala. Le yeyona nto iphambili ekufuneka ujongane nayo kwezi meko.
Ukuze uqonde ngcono, ukuthengisa ngetyala kukuvumela ukuba uqokelele inzuzo eninzi njengoko amaxabiso ezokhuseleko ehla. Eyona nto ingcono, iya kuba ngcono kwiakhawunti yakho yokujonga. Le yenye yeempawu zayo ezifanelekileyo. Ke ngoko, ziyilelwe ukusebenza ngokukhawuleza kakhulu apho uneenjongo ezichazwe kakuhle. Azisetyenziswanga ukuzama, okanye nokuzama ithamsanqa ngazo. Kuba iziphumo zinokuphazamisa umdla wakho.
Esi sesinye sezicwangciso esetyenziswa kakhulu ngabatyali mali abancinci abacingelayo kwiimarike zezemali. Ngesizathu esicacileyo kwaye ayikho enye into ngaphandle kokuba kunokwenzeka fumana imali kwisithuba esifutshane sexesha. Ngenxa yezi mpawu zikhethekileyo ziye zaziwa kakhulu phakathi kwabathengisi abanamava kunxibelelwano nehlabathi lemali.
Njengoko sele ubonile, uneendlela ezingaphezulu kwesinye zokutyala imali kuguquguquko. Nangona zingayi kuba lula ukusebenza, kude nayo. Ayothusi into yokuba baya kufuna amava ngakumbi kunenye imveliso yezemali. Umrhumo kuya kufuneka uhlawule ngokwamkela ezi ndlela zingaqhelekanga. Nangona umvuzo unokuba mkhulu ukuba imeko enzima kakhulu idibene kwi-equities. Ngaba uzimisele ukuyithatha? Ukuba kunjalo, yenza ngononophelo olukhulu kwaye uqeqesho olukhulu ekusebenzeni. Yeyona ndlela ilungileyo yokufezekisa iinjongo zakho zokugqibela.