Zonke iingqikelelo zibonisa ukuba lo nyaka wokurhweba unokuba mbi kwimidla yabatyali mali abancinci nabaphakathi. Emva kweminyaka emininzi apho utyalomali kwiimarike ze-equity lube luhle kakhulu, kunye nembuyekezo yonyaka kulondolozo malunga ne-10%. Ngoku kubonakala ngathi lo mkhwa uphukile, kodwa ngoncedo lokuba kukho iimveliso zezemali ezinokuthi zithathe ukwehla kweemarike zezemali. Njengakwimeko ethile yentengiso yamatyala kwaye siza kuchaza indlela yokwenza ngokusesikweni le modeli ikhethekileyo kutyalo-mali lwabucala.
Ukuthengisa ngetyala yimodeli esekwe ngokusisiseko kwinto yokuba unakho Isibonelelo sokwehla kwiimarike zesitokhwe kumhlaba jikelele. Kuba, enyanisweni, nakuphi na ukwehla kwexabiso kwezokhuseleko okanye kwii-indices zesitokhwe kunokusetyenziselwa abatyali mali abancinci nabaphakathi ukufezekisa imbuyekezo enkulu kulondolozo. Nangona kunjalo, eyona ngozi inkulu kwisivumelwano sabo sivela kwinto yokuba ilahleko ibhengezwe ngakumbi kunakwelinye udidi lweemveliso zezemali, ezinje ngokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya ngeyona ndlela yakudala.
Ngelixa kwelinye icala, ukuthengisa ngetyala yimodeli yotyalo-mali ehambele phambili ekwabonakaliswa ngokubeka ixesha elifutshane lokugcina kunezinye iifomathi. Zihlala zisebenza ezihamba ngokweenyanga ezi-3 okanye ezi-4 kwaye lelo lixesha apho amaxabiso kufuneka ehliswe ixabiso. Ngayiphi na imeko, ziintshukumo ezinomngcipheko omninzi kwaye ke awuyi kuba nanto unokuyenza ngaphandle kokubonelela ngokuqhubeka kokufunda kolu hlobo lokusebenza kwiimarike zezabelo. Awungekhe ulibale ukuba kunemali eninzi ekugqibeleni onokuthi uyishiye endleleni.
Ukuthengiswa kwetyala: izikhundla ezivulekileyo
Umbuzo wokuqala ekufuneka uzibuze wona ukusuka ngoku ukuya phambili ngowokuba uqale nini ukusebenza ngezi iintshukumo ezantsi. Ewe kucacile ukuba iyabonakala xa iimarike zentengiso ziqala okanye ziqhubeka ngokuhla ngokucacileyo. Okukhona bencipha kokukhona kulunge ngakumbi kwiminqweno yakho encinci naphakathi. Phakathi kwezinye izizathu kuba iinzuzo zakho ezinkulu ziya kuba nkulu ngakumbi. Sukoyika kuba oomatshini bayo basebenza ngale ndlela intsha kwaye oko kukuvumela ukuba usoloko unamathuba oshishino kwiimarike zezabelo.
Kwelinye icala, kufuneka iboniswe ngakumbi ngakumbi ukuba ukuthengisa ngetyala sisixhobo esinamandla sokwenza oko lungelelanisa yonke imeko esezingxoweni Lonke ihlabathi. Lo ngumahluko omkhulu ekuthengeni nasekuthengisweni kwesitokhwe kwimarike yesitokhwe. Nawuphi na umahluko unokubandakanya imali ebaluleke kakhulu kwaye ngenxa yesi sizathu ukuthengisa ngetyala akufuneki kwenziwe ngokusesikweni kwixabiso elibalulekileyo njengoko kunokuba nefuthe elikhulu kwingxelo yengeniso yeakhawunti yakho yokonga.
Yeyiphi i-asethi esebenza ngayo?
Kwilizwe lethu, ukusebenza kuthintelwe kuphela kwii-indices zentengiso yemasheya kuneenkampani ezidwelisiweyo. Ngale ndlela, kukho imisebenzi emifutshane kuzo zonke ii-indices zokulingana eziphambili kwilizwekazi elidala. Oko kukuthi, malunga Ibex 35, CAC 40, DAX, njl. Kodwa nakwezona zikhuselo zichaphazelekayo nezibandakanya zona kwaye zihlala zihambelana nezo zinemali enkulu. Umzekelo, eSantander, BBVA, Endesa okanye kwi-Inditex, phakathi kwezinye zeenkampani ezibaluleke kakhulu ezidweliswe kwimarike yemasheya.
Kwelinye icala, kunzima kakhulu ukwenza ukuthengisa ngetyala embindini kunye nasezincinci esitokisini. Abakhathalelwanga kolu hlobo lomsebenzi kwaye ngaphezulu kwesihlandlo esinye ezi ntshukumo ziye zathintelwa kuba zinokubeka imeko kulungelelwaniso lwamaxabiso ezi zindululo kwiimarike zezemali. Ngaphandle kwezinye izinto eziqwalaselweyo zobuchwephesha kwaye mhlawumbi kude kube kwinqanaba lokujonga izinto ezisisiseko. Oko kukuthi, ukusebenza kwabo kuthintelwe kwinani.
Ngaba unomdla kwezi mveliso?
Kuzo naziphi na iimeko, akukho mathandabuzo ukuba unomdla wokuhlalutya ukuba ingaba yimveliso eyenzelwe iprofayili yomtyali mali encinci kunye nophakathi oyimele ngalo mzuzu. Kuba kubaluleke kakhulu ukuba uyazi xa kufanelekile ukuqesha olu hlobo lweentengiso ezizodwa. Umzekelo, kwezi meko zilandelayo sikubhengeza ngezantsi:
- Phambi a ukwehla okuphezulu kwiimarike ze-equity kwaye zikhule ixesha elide.
- Xa i Utshintsho lwendlela, isuka kwi-bullish iye kwi-bearish kuba kulapho ukuhamba kwe-bearish kutyholwa ngakumbi.
- Kwimizuzu apho amaxabiso udlulise inkxaso kwaye ukwehla kokuqwalaselwa okhethekileyo kuyaqala kwaye kunokuthatha amaxabiso abo asezantsi kakhulu kunangoku.
- Kwimizuzu ecacileyo qoqosho kulapho iimarike zokulingana zehla kakhulu, nangobundlobongela obutsala umdla wabatyali mali abancinci nabaphakathi.
- Kwixabiso ezikwi inzala yasimahla leliphi elona nani lingathandekiyo abanokuba nalo kuba bengenayo inkxaso engezantsi kwaye amaxabiso abo anokujongwa asezantsi kakhulu kunangoku.
- Kwaye ngokubanzi, xa zizonke iintshukumo eziphindaphindayo kuqoqosho lwehlabathi kwaye oko kubangela ukuba iimarike zesitokhwe ziwe kwiintsuku ezimbalwa. Lithuba onokuthi ulisebenzise ngoku.
Umngcipheko ekusebenzeni
Ngelixa ngokuchaseneyo, ziinkqubo ezinobungozi obuphezulu kakhulu kwaye kuya kufuneka uhlalutye ukuze ungabinayo enye into emangazayo kwiintsuku ezizayo. Ayothusi into yokuba kunemali eninzi ongaphulukana nayo kwimisebenzi nganye enolu phawu. Kwaye phakathi kwezi zinto zilandelayo kubonisiwe apha ngezantsi.
- Bakhe imihla yokuphelelwa Zimfutshane kakhulu kwaye ke kuya kufuneka ulumke ngakumbi xa usayina intengiso ngetyala.
- Ziimveliso zotyalo-mali ezinazo ezithile iikhomishini kunye nenkcitho kulawulo lwayo okanye kulondolozo ezifuna ngakumbi. Ukuya kuthi ga kwinqanaba lokuba uza kuchitha imali eninzi ngokusesikweni.
- Ndikucacela iindlela zotyalo-mali Akuhlangatyezwana nazo ekugqibeleni, akukho mathandabuzo okuba uya kuba nakho ukuhlawula kakhulu ngesi sigqibo usenzileyo ukuhambisa utyalo-mali lwakho ngokuthengisa ngetyala.
- Baninzi inzima ukuyiqonda kwaye oko kufuna ukuba kufundwe ngendlela ethile ekusebenzeni kwayo. Ukuba awuthobeli imiqathango, kungangcono ukuba uyeke ukusebenza kwaye uzinikele kwezinye iimveliso zezemali.
- Njengoko yimodi yokuthenga ngetyala, yimveliso yezemali leyo wohlwaywa ngakumbi kunabanye. Ungakulibali ukusukela ngoku ukusukela oko unokuhlangabezana nezithintelo ezininzi kwindlela oya kuba nayo kude kuphele.
Njengoko sele ubonile, ukuthengisa ngetyala yimodeli yotyalo-mali enezibane ezininzi kunye nezithunzi apha endleleni. Kukulungele ukuba uyihlalutye kuba iyimveliso efuna umzamo omkhulu woqoqosho kwicala labatyali mali abancinci nabaphakathi. Apho kungakulungelanga ukuba ukwenze oku ngokusesikweni ngaphandle kobunzima okanye uhlalutyo lobuchwephesha. Kungenxa yokuba ekupheleni kosuku, okubandakanyekileyo ekugqibeleni kukwenza ubutyebi bobuqu bube yinzuzo, hayi ukwenza naluphi na uhlobo lovavanyo kwimarike yemasheya.
Ngenxa yoko kukho ezinye iimveliso ezifanelekileyo zezemali ezingafuneki mngcipheko omkhulu kwimisebenzi oza kuyenza ukusukela ngoku. Hayi ngelize, gcinani engqondweni ukuba ujongene nemveliso yotyalo-mali eyahlukileyo kwaye ayisiyiyo malunga nokuthenga nokuthengisa izabelo kwiimarike zezabelo. Akukho kuncinci, ukuba akunjalo ngokuchaseneyo ilawulwa phantsi kwezinye iiparameter ezahluke ngokupheleleyo kwaye oku kufuneka kuthathelwe ingqalelo.
Injongo yethuba elifutshane
Abatyalomali abancinci nabaphakathi banokubuyela kwiimveliso ezahlukeneyo ukuze batyale imali xa ezemali ziwela kwixesha elifutshane. Kwiimeko ezininzi ezi ziziphumo ezinenjongo yokufezekisa ingeniso ephezulu kuyo nayiphi na imeko yentengiso, nokuba ikwi-bullish okanye kwi-bearish. Nokuba yeyiphi na, ziimveliso ezahlulwe zizo zombini ukuphuculwa kokusebenza kwayo kananjalo nomngcipheko omkhulu obandakanyekileyo ubandakanya iimfuno zomtyali mali. Kwaye ngelixa ungafumana inzuzo ebalulekileyo, unokulahlekelwa yimali eninzi endleleni.
Enye yezona mveliso zeempawu zibizwa ngokuba yintengiso yetyala, kwaye eli nqaku lingumxholo, kwaye elinomsebenzi ochazwe kakuhle. Apho amaziko emali aphetheyo abolekisa ngokhuseleko olufunwa ngumthengi, azithengise ngexabiso losuku. Emva koko ibhanki inika umsebenzisi ithuba lokuba abuyise amaxabiso ngexabiso abanalo ngelo xesha kwaye, ngokokuqikelela kwayo, liya kuba sezantsi kuneli langoku. Ngale ndlela, umtyali mali uzakufumana umahluko okoko isiphumo siqinisekileyo kumgca osezantsi.