Ukuza kuthi ga ngoku kulo nyaka khange ibe luncedo kakhulu kwimidla yabatyali mali abancinci nabaphakathi. Uninzi lwee-indices zamazwe aphesheya zikwindawo engathandekiyo kwisiqingatha sokuqala salo nyaka mtsha. Ngoku umbuzo ophambili uhlala kwinto yokuba ngaba olu tyekelo luza kuqhubeka ngasekupheleni konyaka. Okanye ukuba ngokuchaseneyo, kukuhamba okuthe ngqo kwaye kunqunyelwe ngokupheleleyo ngexesha. Iya kuba sesinye sezitshixo oya kukuzisela lo nyaka wokurhweba.
Ukusuka kule meko ngokubanzi, unomdla wokuchonga izizathu zokuba kutheni le nto ukuhla okubonakalayo kuye kwaveliswa kwiimarike zokulingana phantse kwihlabathi liphela. Ewe, ewe, akukho sizathu sinye kodwa kungcelele lweemeko ezikhokelele kumaxabiso izabelo ziye zehla ngeli xesha. Mhlawumbi unokumangaliswa nguwe xa ucinga ukuba imeko yemarike yemasheya iyakunyusa kancinci. Okanye ubuncinci bulawulwa lutyekelo lokuhamba kwexesha.
Okulandelayo siza kuchaza ezi zizathu kunye nendlela ezibaphembelele ngayo ukwehla kwezi marike zezimali. Ukuze ukwazi ukucacisa ngokuchanekileyo iqhinga lotyalo mali yolondolozo lwakho ukusukela ngoku. Ayothusi into yokuba kufuneka ucinge ngokuqinisekileyo kwaye uvume ukuba amathuba okwenyani eshishini aya kuhlala eziveza. Kwimeko apho unokufumana inzuzo ephezulu evela kwimisebenzi evulekileyo kwiimarike ze-equity. Njengoko uza kubona, ukubonakaliswa kuninzi kwaye kuyindalo eyahlukileyo. Ngaba uyafuna ukubazi ukuze bacace gca malunga nento ekufuneka uyenzile ukusukela ngoku?
Ukhuseleko ngakumbi kuqoqosho
Akungabazeki ukuba ukubuyela kwimigaqo-nkqubo ye-autarkic yinto ebonakalayo kulo nyaka. Ngaphezulu kwezinye iindaba ezifanelekileyo ngokukodwa kwicandelo leemarike zezemali kunye nemali ngokwayo. Ngokuphathelene noku, iinjongo zikaMongameli wase-United States, uDonald Trump, ngumzekelo ocacileyo wale meko kuqoqosho. Kwaye iya kulandelwa ngamanye amazwe abaluleke kakhulu kwindawo yoqoqosho yamanye amazwe. Njengomzekelo inokuba yiTshayina, iRashiya kunye nezinye ezibaluleke kakhulu ezisakhulayo. Le yeyona nto imakethi yezezimali engayithandiyo kwaye iyazibonakalisa ngokuhla kwimarike yemasheya nakwezinye iiasethi zemali.
Uloyiko lokuba baya kuthi imigaqo-nkqubo yendawo inento yokwenza kakhulu nemeko yangoku yeemarike zesitokhwe. Ngaphandle kwento yokuba yinyani leyo engaqwalaselwanga yinxalenye elungileyo yabatyali mali abancinci nabaphakathi. Kodwa eyona nto imbi kakhulu, inokuba sesona sizathu sokuwa okunzima ukusukela ngoku. Ke ngoko, le yenye yeemeko ekufuneka zoyike kakhulu ukuze izinto ezininzi ezimbi zingenzeki kuwe kwingxelo yengeniso yakho ethathwe kutyalo mali. Awunakulibala ukuba kuzo zonke iimeko, iimarike zezemali zikhusela urhwebo olukhululekileyo. Kwaye oku kunjalo kudwelisiwe kwiimarike zokulingana.
Inzala inyuka
Kwelinye icala, kukho ukunyuka okucothayo kodwa okuqinisekileyo kwexabiso lenzala kwelinye icala leAtlantic, elibonisa ingqumbo ethile efihliweyo phakathi kwabatyali mali abancinci nabaphakathi. Kungenxa yokuba, ngenene Indawo yokuGcina (I-US Fed) inyuse ireyithi yenzala ngekota yepesenti, ukuya phakathi kwe-1,25% kunye ne-1,5%. Nje ukuba impilo entle yoqoqosho lwase-US iqinisekiswe. Nangona kunjalo, amathandabuzo agqithisileyo enziwe ngokubhekisele kumanqanaba okusika kweekota ezizayo. Into ngokuqinisekileyo engancediyo kwiimarike zezabelo.
Ngayiphi na imeko, ngokomzimba olawula i-US, "eyona ndlela yamazinga enzala abekwe yiFed aya kuxhomekeka kwimeko yezoqoqosho, kuxhomekeke kulwazi oluboniswe yidatha efunyenweyo." Ukuze ngale ndlela, onke amalungu e-FOMC avotele ukugcina umyinge wenzala. Nangona ingazishiyanga iimarike zezimali ezizolile ezifuna ukufumana ukuqiniseka okukhulu malunga ne umgaqo-mali iyakuthatha amandla oqoqosho akhokelayo kwihlabathi kwiinyanga ezizayo okanye nokuba kuqikelelwe iminyaka eliqela.
Ukunyuka kwamaxabiso kwi-Great Britain
Enye yeendaba ezibe nefuthe ekuveleni kweemarike zentengiso, ukutsala amaxabiso ezantsi, ibe sisigqibo sika Ibhanki yaseNgilani tshintsha isicwangciso sakho semali. Ngale ndlela, kufanelekile ukuqaqambisa into yokuba ibhanki ekhupha iBritane ivule unyaka omtsha ngelixa igcina umgaqo-nkqubo wezemali. Kodwa nge-nuance encinci yokuba abatyali-mali bakwazile ukubamba kwaye umhlaba ulungiswa ukuze amazinga enzala anyuke nakulo unyaka.
Akumangalisi ukuba ingxelo evela kumnikeli weNgesi ityhila ukuba ukunyuka kwamazinga kungaqala "kancinci ngaphambili kunokuba bekulindelwe." Ukuqaphela ukuba ukomelela koqoqosho lwehlabathi kunye nesingqi soqoqosho lwesiNgesi kuhamba kakuhle kwaye sikhankanya ukuba “sinethemba lokunciphisa inkxaso kuqoqosho ngamazinga enzala ukubuyisela ukunyuka kwamaxabiso kwinjongo yayo yendalo Ye-2%. Ngayiphi na imeko, khange ibe ziindaba yamkelwe kakuhle ziimarike zezemali ezibonise ukwehla okumandla kwezi ntsuku. Nangona ngenxa yezinye izehlo kuthengiso lwesitokhwe samanye amazwe.
Ibex 35 yehla nge 7%
Ngayiphi na imeko, inye kuphela into ecace gca kwaye kukuba isalathiso esikhethiweyo sezabelo zeSpain khange siwuqale unyaka nethemba eligqithisileyo. Ukuza kuthi ga kwinqanaba lokwehla nge-7% kwikota yokuqala yonyaka. Tune ngokwenzekayo kwezinye iindawo zamanye amazwe. Oku kukhokelele kwinkxalabo ethile kwicala labatyali mali abancinci nabaphakathi abaza kuthi okwangoku bangazi ukuba mabenze ntoni ngolondolozo lwabo. Ukuba ugcina izikhundla zakho okanye, ngokuchaseneyo, hlengisa izikhundla kwaye ungene kwi-liquidity ukuze uzolile kwiinyanga ezizayo.
Kwimeko nayiphi na into, abahlalutyi bezemali bajonga imarike yemasheya yeyona ndlela ilungileyo yotyalo-mali okwangoku. Ngaphezulu kwengeniso emiselweyo Kuba zonke zichaza ukuba kunyanzelekile ukuba zibekwe kolu didi lotyalo-mali kuba kuphela kwazo ezinokuvelisa imbuyekezo enomdla kulondolozo. Nangona ngexabiso lokuthatha umngcipheko ngakumbi ekusebenzeni ukusukela ngoku. Le yinto ekufuneka uyivavanye ngokukodwa, kuxhomekeke kwimeko yakho yezemali kwaye kunjalo iprofayile oyivezayo njengomtyalomali omncinci nophakathi: onolunya, ophakathi okanye okhuselayo.
Iingxaki kwi-European Union
Kwelinye icala, awungekhe ulibale malunga iingxaki zolawulo leyo ikumazwe athile e-European Union. Kwaye oko kwenza ukuba ii-indices zazo ezichaphazelekayo zingabi nokhuphiswano. Njengokuba kusenzeka okwangoku nezinye zeemarike zesitokhwe ezifanelekileyo kuqoqosho lwamanye amazwe. Ngomnye wemiceli mngeni emikhulu eyakuthi ijongane nobulungisa kwezentlalo unyaka wonke. Kuba kuyinyani ukuba kusekho iinyanga ezininzi zokuvala unyaka kwaye kunjalo izinto ezininzi zinokwenzeka kuqoqosho. Nokuba yeyiphi na elungileyo okanye embi ngokuxhomekeke kwinto enokwenzeka ukusukela ngoku.
Ayothusi into yokuba olunye lweempawu ezibuthathaka luvela kuqoqosho lwesithathu ngobukhulu kwi-European Union, e-Itali. Ukuya kwinqanaba lokungena kwixesha le ukungazinzi kwezopolitiko ngenxa yonyulo jikelele lokugqibela. Le yinto enokudluliselwa kwamanye amazwe kwindawo okuyo. Ukongeza, ayinakulityalwa ukuba imarike yemasheya inyuke kakhulu kule minyaka mihlanu idlulileyo. Ngokuphononongwa ngamanani aphindwe kabini kwaye oko kubangele ukuba iimarike zemali zezi mpawu zigqithise. Ukufuna kuyo nayiphi na imeko ukulungiswa kwexabiso lesabelo ukulungelelanisa ukubonelelwa kunye nokufunwa kwezi asethi zemali.
Izilungiso ukusukela ngoJanuwari
Ukulungiswa kukaJanuwari okwaqala e-United States emva kokupapashwa kwedatha yengqesho kwaxwayisa bonke abatyali-mali kumngcipheko wexabiso lokunyuka kwamaxabiso kuqoqosho lwase-US, olukhokelele iimali ezininzi zokurhweba ngokutshintshiselana (ii-ETFs) ukuthengisa izikhundla zabo. Ngaphandle kwayo yonke into, ngokokutsho kwabahlalutyi ababaluleke kakhulu bayaqhubeka nokuthemba ii-equity zaseYurophu naseMelika. Ngesizathu esicace gca, kwaye loo nto kukuba imeko esisiseko inyusa, exhaswa yidatha yezoqoqosho olomeleleyo kunye neziphumo zeshishini.
Oko kukuthi, ukuba imvelaphi intle yokutyala imali kulondolozo lwentengiso. Ngaphandle kwezilungiso ezithile kunye nezilinganiselweyo ezinokuthi ziveliswe kwiimarike zezemali ngexesha lonyaka olunzima kakhulu kubatyali mali.