Enye yezona zinto zintsha zisebenzisekayo asinika zona ngeemarike zezemali okwangoku Ukuxabisa isinyithi. Ukuya kwinqanaba lokuba bavelise matyala otyalo kwiindawo apho zidweliswe khona. Ngokusebenza okungaphezulu kokubonelelwe zezinye iindlela zesiko. Kwinto ebonwa njengethuba lokwenza ukonga ngenzuzo ukusukela ngoku ukuya phambili. Zininzi iifomyula onokuzisebenzisa ukuhambisa ezi zinto zifakiweyo ngokuchanekileyo. Ukusuka ekuthengweni nasekuthengiseni izabelo kwimarike yemasheya ukuya ekubhaliseni kwimveliso yezemali ephucukileyo.
Ixabiso lezinyithi eziphambili liyenyuka ngamanye amandla kwiiseshoni zokugqibela kwaye enye yeempawu eziphambili zezinto ezenzekayo nge-nickel enyukayo. Ngamanqanaba apho kucetyiswa kakhulu ukuba uzilungiselele ukwenza ukuthenga kuqala. Esinye sezizathu ezicacisa imeko yangoku kwiimarike zesinyithi kulele utshintsho kumjikelo weshishini. Ngoku kulunge ngakumbi kumaxabiso ukuphinda ahlaziye kwaye apho indima edlalwe yiChina kule meko inobunzima obubaluleke kakhulu. Ngomdla omkhulu kwezi asethi zemali kwaye oko kubangela ukuba isikhundla sokuthenga siphumelele ngokucacileyo kwabo bathengisayo.
Ngale ndlela, kufanele ukuba kuqatshelwe ukuba yenye yeempahla zexabiso ezingcono ezichasene neendaba ezimbi ezichaphazela iimarike zezemali. Inkqubo ye- Ingxaki yemfazwe eMantla Korea, uhlaselo lwabanqolobi okanye i-euro enamandla kakhulu, phakathi kwezinye zezona zibalulekileyo. Akukho baninzi babatyali mali abaguqele ukujonga kwabo kolunye utyalomali Akumangalisi ukuba zikhethwe kuphela kwiprofayili yomtyalomali echazwe kakuhle ebonakaliswa kukuguquguquka okukhulu kokuvula izikhundla kuyo nayiphi na iasethi yezemali. Nkqu nesinyithi njengoko kunjalo kule meko ithile.
Amachiza: ziziphi izinto ezinokukhethwa?
Eyona ndlela ilula neyona iluncedo yokuthatha eli thuba likhethekileyo kukuthengisa iimarike. Ngokusebenzisa iinkampani ezinikele kwintengiso yesinyithi esifanelekileyo. Akukho zininzi zidityanisiweyo kwiimarike zotyalo-mali, kodwa zanele ukwanelisa naluphi na uhlobo lweemfuno malunga noku. Ngaphakathi kwintengiso yesitokhwe yaseSpain kukho ukhuseleko ezimbini ezihlangabezana nezi mfuno ngokuchaneka okukhulu. Omnye wabo ngowezizwe ngezizwe Arcelor Mittal kwaye ime njengenye yeentandokazi kubatyali mali abancinci nabaphakathi ukuba bathathe izikhundla kwicandelo.
Ewe, lo menzi wentsimbi unyuka ngexabiso lakhe ngamandla angaphaya kokumangalisa. Emva kweminyaka emibi apho kuye kwafuneka ajongane neemarike zezemali kwaye zikhokelele kwizabelo zakhe kuvavanya ii-euro ezine kuqikelelo lwazo. Ngoku kubonakala ngathi amaxesha amnandi enkampani ekugqibeleni alapha kwaye anokukhulisa okunzulu kakhulu. Ngaphandle kwezilungiso zamaxabiso kwaye oku kuyakubaluleka kakhulu ngenxa yokungazinzi okuboniswe leli xabiso lee-equities zesizwe. Akumangalisi ukuba abanye babahlalutyi beemarike abadumileyo baqikelele ukuba isenendlela ephezulu yokunyusa ukuthengwa ukusukela ngoku.
I-Acerinox ngombono kwii-euro ezingama-15
Enye yeendlela ezizezinye eziveliswe ziimarike ukukhetha isinyithi ngokungathandabuzekiyo yiAcerinox. Elinye lamathemba anaphakade abatyali mali abanengcwangu. Uninzi lwazo lulindele izilungiso ukuba zenzeke ukungena kwiimarike zezemali ngamaxabiso okhuphiswano ngakumbi kunangoku. Akumangalisi ukuba enye yeenjongo zexesha eliphakathi ibekwe kwi-15 yeuros ngesabelo ngasinye. Nangona kunjalo, unokuxhamla kakhulu kwimeko elungileyo yesinyithi. Kwaye ngakumbi intsimbi apho icandelo elibaluleke kakhulu kumgca weshishini lakho lixhomekeke khona.
Ukuba eli xabiso linxulunyaniswe nesinyithi liphawulwa yinto, kungenxa yokuba libonisa ukungazinzi okuphezulu kunakwizindululo zentengiso yemasheya eseleyo. Ngamaxesha abanzi, ukuxabisa kwayo kuhlala kukhulu kunamanye amaxabiso. Nangona ngokuchaseneyo, kwii-recessives kuqhelekile ukuba izabelo zabo zehle kakhulu. Yile ndlela yenzeke ngayo ekuqaleni kwentlekele yokugqibela yezoqoqosho ngo-2007. Apho ithengise khona ngaphantsi komqobo wee-euro ezisi-XNUMX ngesabelo ngasinye. Nje ukuba ezi ngxaki zoyisiwe, lixesha lokuba kudlule amanqanaba kwixabiso. Nangona ukuya kuthi ga kwinqanaba elithile kusenokwenzeka ukuba liphelile ixesha lokuvula izikhundla kokhuseleko lwesalathiso esikhethiweyo.
Enye inketho: mutual fund
Kwezona profayile zikhuselayo, imali yotyalo-mali esekwe kule asethi ibalulekileyo yezemali ihlala ikhona. Kule meko, ayingombuzo wokukhetha i-equity okanye i-fund yengeniso esisigxina, kodwa ngenye indlela. Banovakalelo ngakumbi kumngcipheko kodwa imbuyekezo inokwanelisa ngakumbi kwimidla yabatyali mali abancinci nabaphakathi. Ukuya kwinqanaba lokuba inokuphinda-phinda umda weemveliso zesintu. Ngethamsanqa ukuba akukho mali ingako ithengisiweyo ziinkampani zolawulo kwaye isibonelelo kufuneka sihlalutyiwe ukukhetha esona sicelo sinenzuzo.
Olu didi lwemali, njengoko kunjalo nokhuseleko olunale mpawu, lutshintsha kakhulu kwaye lunikezela ngotshintsho kumaxabiso abo. Ukuza kuthi ga kwinqanaba lokwenza utyalomali olungaqhelekanga lube nexhala. Kuphela ukuba ucace gca malunga nolu luvo apho kuya kufuneka uphinde uqhubeke nokwenza ulondolozo lube nenzuzo ukusukela ngoku. Nangona imeko efanelekileyo kukuba utyalomali yahlukile kwezinye iimali eyahlukileyo kakhulu kwaye inokuncedisa ukubheja ofuna ukukwenza kwiiasethi zakho. Ngayiphi na imeko, uya kuhlala unokukhetha ukuyidlulisela kwenye imveliso yezi mpawu zikhuselekileyo kwaye zinomngcipheko osezantsi.
Ngokusebenzisa iimveliso zokonga
Kukho igumbi lesicwangciso sokuzikhusela ngakumbi kuzo zonke iindlela zotyalo-mali. Ivela kwiidipozithi zekota ukuze yonke imali yakho iphantsi kolawulo ngalo lonke ixesha. Zizidiphozithi ezinxulunyaniswe namaxabiso eli candelo. Uya kuhlala unomdla oqinisekileyo, nokuba incinci kakhulu malunga ne-1%. Ukuphucula le mbuyekezo kulondolozo, amaxabiso afakwe kwirhafu kuya kufuneka ahlangane neyona njongo kwixabiso kwaye avumele isivuno ukuba sibe ukufikelela kumanqanaba ngaphezulu kwe-3%. Ngayiphi na imeko, imali yakho iya kuhlala ikhuselekile, nokuba ixabiso lezabelo liwa ngamandla awodwa.
Unelungelo, kwelinye icala, ukuba yimveliso elula kakhulu yezemali yokufunda nokusebenza. Enye yegalelo layo elifanelekileyo kukuba awuzukufuneka wenze naluphi na uhlobo lwenkxaso eyongezelelweyo. Kuba, Baxolelwe kwiikhomishini kunye nezinye iindleko kulawulo nakulondolozo lwabo. Ngempazamo ekuphela kwayo ongayi kukwazi ukuyirhoxisa kwangaphambili. Akumangalisi ukuba le misebenzi yohlwaywa ukuya kuthi ga kwiipesenti ezi-2 kwikomkhulu elityalomali. Yinkxaso yokuphucula ulondolozo oluvela kwingeniso esisigxina kwaye ngaphandle kokuba ubeke umngcipheko kwiasethi yakho nangaliphi na ixesha. Ngethuba lokuhlala ngokusisigxina eliphakathi kweminyaka emibini ukuya kwemithathu phantse.
Amanyathelo okhuseleko ekusebenzeni nesinyithi
Ngayiphi na imeko, kuhlala kucetyiswa kakhulu ukuba ungenise amanyathelo okhuseleko alula ukuze unciphise ilahleko enokwenzeka kolu tyalo-mali lukhethekileyo. Iya kuba yinto ekufanele ukuba uyicwangcise nokuba sisiphi na isicwangciso sotyalo-mali oza kusisebenzisa ukusukela ngoku. Kwaye bajolise ikakhulu kule mizila yokusebenza.
- Ukutshala imali kwizinyithi kwahlukile kwaye ngenxa yoko kufuneka inike unyango olwahlukileyo ngokubhekisele kutyalo-mali olushiyekileyo. Ngenxa yokuba umngcipheko uya kuba phezulu, ngakumbi kumaxesha okudodobala kwezoqoqosho.
- Akufuneki unikezele ngayo yonke imali yakho oyigcinileyo kule asethi yemali. Kodwa ngokuchaseneyo, kuyacetyiswa kakhulu ukuba uhlale njengotyalo-mali olongezelelekileyo kunye nezinye eziqhelekileyo. Ngokuqinisekileyo uya kuthintela ukukhathazeka okungaphezulu kwesinye ngexesha.
- Izinketho oya kuba nazo ukuhambisa olu tyalo-mali ziya kuba mbalwa kwaye kubo kubaluleke ngakumbi kunokuba Hlalutya isithembiso ukukhetha eyona modeli yotyalo-mali yanelisayo kwiminqweno yakho.
- Las ukuhla nokunyuka kumaxabiso abo kubonakala kakhulu kwaye kuzo zonke iimeko zingaphezulu kwamanye amacandelo. Ngumahluko oxabiseke kakhulu phakathi kwamaxabiso aphezulu kunye neyona isezantsi kwaye unokukhokelela kwixabiso lemirhumo yakho eyahluka rhoqo rhoqo ngokuhamba kwexesha.
- Ungahendeka ukuba utyale imali oyigcinileyo ngoku. Ewe kuyanyanzeleka ukuba ulinde Ukophuka okukhulu kolunye lweyona nto iphikisayo. Ukuze ngale ndlela, ube nesiqinisekiso esikhulu sokuphumelela ekusebenzeni.
- Kwaye okokugqibela, ungalibali ukuba olu lutyalomali olujolise kuko ixesha elifutshane lokuhlala kunabanye. Ukuhlonipha eli ngcebiso kuya kukunceda ufumane iinjongo zakho kwiintlobo zezicwangciso, zombini ezinobundlongondlongo kunye nokuziqhelanisa neeprofayili zolondolozo.