Iinkampani ezijolise kwezi zinto zivelisiweyo zihlelwa phantsi kweekhrayitheriya ezimbini ekufuneka zithathelwe ingqalelo xa kusenziwa isivumelwano kwezi mveliso zezemali. Kwelinye icala, kuxhomekeke kubukhulu bayo. Apho abo umngcipheko ophezulu ngokuvakalayo zizincinci. Ngokwahlula phakathi kwabavelisi nabaxhaphazi. Abaxhaphazi banomngcipheko wokukhangela kunye nokumba, ngelixa abanye begxile kunyango nasekuhanjisweni. Ezi datha zibaluleke kakhulu ngexesha lokumiselwa ngokusesikweni kwale ndlela yotyalo-mali.
Kuyimfuneko ukugxininisa ukuba eyona ntengiso iphambili apho kuthengiswa igolide, isilivere kunye nezinye izinyithi ezingabalulekanga (ezinje ngealuminiyam, ubhedu, ilothe, i-nickel, i-zinc okanye i-tin) yi-COMEX. Nangona kunjalo, ngaphandle kweplatinam okokoko eyona ntengiso iphambili yi-TOCOM, imisebenzi yayo yenziwa kwi-yen yaseJapan, kunye ne-NYMEX. Ezi ziimarike zezemali ekufuneka uye kuzo ukuba ufuna ukutyala imali oyigcinileyo kwezinye zezinto ezisetyenzisiweyo ezichaziweyo kunye nenye eneempawu ezifanayo.
Kwelinye icala, imarike yegolide iphenjelelwa kakhulu kukuhambahamba okuveliswe kwiimarike zekamva. Ngelixa unxibelelwano lweoyile ekrwada ingama-50% kumxholo wegolide, ixabiso linokuchazwa ngama-70% nama-90%. Ngayiphi na imeko, awungekhe ulibale ukuba ezinye ze ababoneleli bemveliso Kwimalike yezemali zezi zilandelayo: UMerril Lynch, uRuffer okanye uSG, phakathi kwezona zibalulekileyo. Oko kukuthi, zeziphi iimveliso zezi mpawu zithengiswayo kwaye zibonelela ngezisombululo ezahlukeneyo kubatyali mali abancinci nabaphakathi.
Izinto zorhwebo: ukungazinzi okuphezulu
Phakathi kwezona zinto zibaluleke kakhulu kolu tyalomali lubizwa njengenye indlela yinyani yokuqesha ezinye iimali ezingezo-euro. Kuba, enyanisweni, ayinakulityalwa ukuba ukuxabiseka kwemali yaseMelika xa ujonge ulungelelwaniso olubi oluthe lwathi thaca ngaphambili ezinye zezona zinto zibalulekileyo. Ngelixa kwelinye icala, kufanele kuqatshelwe ukuba ukungahambelani kwemali ngokusekwe kwezi asethi zemali kujikeleze iipesenti ezingama-20. Ngayo, umngcipheko ekusebenzeni uhlala uphezulu kakhulu. Ukuza kuthi ga kwinqanaba lokuba kunokubakho utshintsho olukhulu kwiphothifoliyo yakho engenye yotyalo-mali.
Le nyani ivelisa ukuba umahluko phakathi kwabo ubuninzi kunye namaxabiso asezantsi zibaluleke kakhulu kwaye nakweyiphi na imeko zingaphezulu kunolunye utyalo-mali oluqhelekileyo. Umzekelo, ngokuthengwa kunye nokuthengiswa kwezabelo kwiimarike zezabelo. Yintoni eyenza ukuba ibe yimveliso efanelekileyo kakhulu yorhwebo okanye imisebenzi yokuthelekelela ngenxa yecandelo layo eliphezulu lokwahlukahlukana kokulungelelaniswa kwamaxabiso alo. Apho unokufumana khona imali eninzi, kodwa ngesizathu esifanayo, shiya i-euro eninzi endleleni ukusukela ngoku.
Ungabaqesha njani?
Omnye umngcipheko bubunzima obomeleleyo bee-ETFs kunye nezinye izixhobo ezivela kwixabiso lezi zinto zivelisiweyo nakukungena nokuphuma kwale asethi yemali. Kufuneka kukhunjulwe ukuba utshintshiselwano ngemali-mali ngumxube phakathi kweemali zesintu kunye nokuthengwa nokuthengiswa kwezabelo kwiimarike zezabelo. Ngoncedo ngaphezu kwezi olunika ikomishini ukuba kuzo zonke iimeko zi ukhuphiswano ngakumbi. Ke, ukwimeko yokwenza imisebenzi enenzuzo ngakumbi kwezinye zezi zinto zivelisiweyo. Ukuza kuthi ga kwinqanaba lokuba uya konga i-euro eninzi kulawulo okanye kulondolozo lwayo.
Imali yokurhweba ngokutshintshiselana, kwelinye icala, ikunika uluhlu olubanzi lweemodeli ezibonelela ngeli nqaku. Ngokusekwe kwizinto ezahlukeneyo zokwenza izinto: igolide, ikofu, ingqolowa, isoya okanye icocoa phakathi kwezinye zezona zibalulekileyo. Ngokusebenzisa ipotifoliyo yotyalo-mali echazwe kakuhle ukusukela kumzuzu wokulungiselela kwayo kude kube kulungiswe imisebenzi. Apho ungalathisa khona intshukumo kuyo yonke imiqathango yokusisigxina: imfutshane, iphakathi kwaye inde. Kuxhomekeke kwiprofayili oyivezayo njengomtyali mali omncinci nophakathi: ubundlongondlongo, ophakathi okanye okhuselekileyo okanye okhuselayo.
Ukuqesha ngokuthe ngqo
Ngelixa enye indawo ikwakhona ukubona ukuba ukuveliswa kwemigodi ukwanda kwaye unokufumana ikhontrakthi ekrwada ngokuthe ngqo kwiimarike apho kuthengwa kuthengiswa khona ezi mveliso zezemali. Hayi ngeefama ezintsha kodwa ngemveliso ephezulu esele ikho. Lo mngcipheko uthintelwe zizabelo eziphezulu eziye zahanjiswa ziinkampani ezilawula urhwebo lwazo. Apho ime khona inyani yokuba umgaqo-nkqubo wotyalo-mali ubuncinci kwaye le yinto ehlala ikuthanda njengomtyalomali omncinci nophakathi.
Ngale ndlela, kunomdla kakhulu ukuvavanya ukuba zininzi iinkampani ezidwelisiweyo ezinxibelelene ngokusondeleyo nemveliso yezi zinto zivelisiweyo. Zombini kwiimarike zesizwe nangaphandle kwemida yethu ukuze ngale ndlela ukwazi ulwahlulo olungcono lotyalo-mali lwakho ukususela ngoku ukuya phambili. Ngaphandle kwalo naliphi na ixesha inzuzo efanayo iyahlupheka ekusebenzeni kwemali, njengoko unqwenela ngeli xesha. Ke ungatyala imali yakho eyinkunzi, umzekelo, kwingqolowa okanye kwicocoa. Izinto zokwenza imveliso ezibonisa inzuzo ephezulu kwiinyanga nje ezidlulileyo.
Izinto ezingasetyenziswanga kwizimali
Enye indlela yokuhambisa utyalomali lwakho yenziwe ngezixhobo Iimali zotyalo-mali zezi mpawu. Elinye lamagalelo alo aphambili lilele kwinto yokuba anokuncediswa nezinye iiasethi zemali. Zombini ezivela kwingeniso esisigxina kunye nengeniso eguquguqukayo okanye nakwezinye iimodeli ezinje ngolu. Ngale ndlela, unokwahlulahlula utyalomali ngendlela efanelekileyo kunye ezinzileyo. Ukwenza ibhegi yokonga enomdla kakhulu kwixesha eliphakathi nelide. Njengesicwangciso sotyalo-mali ukwenza ulondolozo lube nenzuzo kula maxesha.
Ngelixa kwelinye icala, imali yotyalo-mali esekwe kwezi asethi zemali ikhethekileyo yenza ukhetho kutyalo-mali oluqhelekileyo. Ingakumbi xa ukungazinzi okukhulu kwiimarike zezabelo ngenxa yezizathu ezithile. Isisombululo kukungabikho kwezindululo zokuphuhlisa utyalomali ngaphandle kokuthengwa kunye nokuthengiswa kwezabelo kwiimarike zezabelo. Inokwenzeka njani ngeli xesha kwimarike yemasheya xa ungena kutshintsho lwentengiso, usiya kwi-bullish uye kwi-bearish. Into enokukutyhafisa ngokungathandabuzekiyo kwiinjongo zakho zokwenza ulondolozo lube nenzuzo.
Iimpawu zezi marike
Alithandabuzeki elokuba ukuthatha ithuba leendleko zokuba nemali yakho yeprimiyamu kwiibhalansi zakho eziphezulu amaxabiso enzala Sisinye sezibonelelo zokubonelela ngokutyala izinto ezingasetyenziswanga. Ngaphezulu kolunye uthotho lokuqwalaselwa kwendalo yezobuchwephesha kwaye mhlawumbi nakwindawo yokujonga izinto ezisisiseko. Kungenxa yokuba ukutyala imali kwizinto ezingasetyenziswanga bekusoloko sesinye sezixhobo abanazo abatyali mali abancinci nabaphakathi. Ngokukodwa kweminye iminyaka xa uzinzo lwamaxabiso yenye yezona zinto zichaphazelekayo.
Ukongeza, awungekhe ulibale ukuba olu hlobo lotyalo-mali belungeyonto ithelekelelwayo konke konke, nangona kunjalo Ubume bayo benziwe uhlengahlengiso ngendlela yokusebenza. Ukuza kuthi ga ngoku akusafani ngokuqesha ezi mveliso zikhethekileyo. Ayothusi into yokuba umngcipheko uyanda, phakathi kwezinye izizathu zokungazinzi okuphezulu okunokuthatha ukuya kuthi ga kwiipesenti ezingama-30 okanye ezingama-40 ngokuhambelana namaxabiso. Ukuze ube neengxaki ezininzi zokuhlengahlengisa amaxabiso, kokubini kwintengiso okanye kwimisebenzi yokuthenga.
Imeko yangoku yeemarike
Okwangoku, kukho izinto ezinenzuzo kakhulu ezigqitha iimarike zokulingana. Ingakumbi kwizinyithi ezixabisekileyo ezinikezela ngembuyekezo yokonga kufutshane nama-50% kunyaka ophelileyo. Ngokukodwa igolide, ekhuselekileyo esebenza njengendawo ekhuselekileyo xa kujongwa imeko zozinzo kwiimarike zezabelo. Apho indawo elungileyo yenkunzi yabatyali mali abafuna uxolo lwengqondo xa besakha iipotifoliyo zabo zotyalo mali ziya.
Okokugqibela, kufuneka kugxininiswe ukuba olu didi lotyalo-mali kufuneka lusebenze njengoncediso kwezona ziphambili. Ayisoze ibe yintshukumo ephambili kuba esi sicwangciso sotyalo-mali sinokuvelisa iziphumo ezingafunekiyo kwingxelo yakho yengeniso. Ngaphaya kolunye uthotho lokuqwalaselwa kobuchwephesha. Ngayiphi na imeko, kuya kufuneka uhlalutye ezi zindululo zotyalo-mali kuba kuninzi okusemngciphekweni kolu hlobo lomsebenzi kwizixhobo ezisetyenzisiweyo. Kungenxa yokuba kwelinye icala, uninzi lwale misebenzi lwenziwa kwezinye iimali ngaphandle kwe-euro: idola yaseMelika, iFranc yaseSwitzerland okanye iJapan yen. Ngeendleko zemali ezibandakanya ukutshintsha kwemali kwimveliso nganye ekhethiweyo yezemali: iikhomishini, iifizi, njl.