Ukutyala imali kwioyile: eyona ntengiso isebenzayo ngo-2016

Ukuba inye into enokwahlula kulo nyaka uphelileyo, ayibangelwa yiyo nayiphi na enye imeko ngaphandle kokuwa kweoyile kwiimarike eziphambili zamanye amazwe. Ukuqinisekisa ubungakanani beli thontsi, kufuneka kuphela ukuba uqinisekise ukuba phantse iinyanga ezilishumi elinambini, Ixabiso lomgqomo limkile kurhwebo, malunga ne-90 yeedola umphanda uye kwi-35, kulapho igolide emnyama ihambisa khona ngoku, kunye nokuphelelwa lithemba kotyalo-mali obeluthathe isikhundla kule mali yezezimali kwezi nyanga zidlulileyo.

Ilahleko zomnini zabelo ophakathi kwintengiso yesitokhwe zijikeleze iipesenti ezingama-50. Ukuba ukule meko, awuzukukhetha ngaphandle kokuba ulinde ioyile ukuba ibuye kwiinyanga ezizayo. Okanye ngokuchaseneyo, thengisa izabelo zakho ngelahleko ebonakalayo, ukuzama ukubabuyekeza ngamanye amaxabiso ezinokubakho ngaphezulu okanye ngaphantsi ezinokubakho ezinokubakho kuhlaziyo.

Nangona kunjalo, abahlalutyi bezemali abambalwa babonisa ukuba kulo nyaka, Ixabiso leoyile linokuphinda libuye emva kokufikelela kweyona iphantsi kwixabiso. Ngale ndlela, i-Arhente yaMandla yaMazwe ngaMazwe ibheja ukuba amaxabiso ayo aya kuzinza, kwaye anokufikelela kwi-50 okanye kwi-60 yeedola umphanda. Abanye, ngokuchaseneyo, banqabile ngakumbi kwezi zibikezelo, abathi zibanethemba eligqithisileyo.

Ukongeza, kukho ithuba lokuba Ukungazinzi kwezopolitiko kuMbindi Mpuma kunokuguqulelwa kungquzulwano lomkhosi wehlabathi, eya kuba nefuthe ngqo kumaxabiso ale asethi yemali. Ukuze baphindaphinde ikowuteshini kumaxabiso abo. Ukusuka kolu luvo, baninzi abatyali zimali abancinci nabaphakathi abaneoyile kwiradar. Kodwa ngononophelo oluthile, hleze unyuko olusezantsi luqhubeke ngo-2016.

Ungayithengisa njani ioyile?

Enye yeengxaki ezivela ekuphuhliseni isicwangciso esichaziweyo kukucacisa indlela ozithatha ngayo izikhundla kule asethi yezemali. Ukukunceda uphuhlise ulwahlulo oluchanekileyo lwesicwangciso sakho sotyalo-mali, siza kuphakamisa uthotho lwezenzo, ezivuleleke ngokubanzi kwimidla yakho, ukuthatha isikhundla kwiimarike zezimali ukusukela ngoku. Hayi kuphela ngengxowa, kodwa ngezinye iimveliso, ezinye zazo zinobunkunkqele, kwaye zide zibe nezinto ezintsha.

Eyona ndlela ithe ngqo, kwaye kwangaxeshanye ilula, yokwenza imali yakho ukuba ibenenzuzo kukusebenzisa iinkampani ezidweliswe kwii-equities ezinxulunyaniswa ngokusondeleyo ne-oyile ekrwada, kule meko iinkampani zeoyile. Ukuba umsebenzi uza kwenziwa kwiimarike zesizwe, kuya kuba nzima ngakumbi kuwe ukuwenza. Akunanto, Kwisibonelelo sangoku, unexabiso lezi mpawu.

Imalunga neRepsol, kwaye ikumzuzu onzima kwindaleko yayo kwintengiso yemasheya. Akumangalisi ukuba ezinye ziboniswe amarhe okuba kungangumbandela wokuthathwa kwebhizinisi ziinkampani ezinkulu zeoyile. Ngenxa yesaphulelo esomeleleyo sinamaxabiso aso, kwaye loo nto yenza ukuba ibe nomtsalane kakhulu kwiinkampani ezinkulu zeoyile zamanye amazwe. Njengendawo yokuphikisa, izisa esona sabelo sikhulu kwimarike, kunye nembuyekezo yonyaka ephantse ibe sisi-8%. Kodwa ulindelo lwakhe alunathemba kwaphela, emva kokuba ephule imali yenkxaso yeedola ezili-10, oko kuthetha ukuba angaqhubeka nokwehla kwakhe okubonakalayo kwiimarike zesitokhwe.

Ukubonelelwa kweenkampani zeoyile kuninzi ngaphandle kwemida yethu, apho unokufumana khona izindululo ezilungileyo, zonke zinesolvency enkulu, ubuncinci kude kube ngoku. Ingakumbi kwiimarike zentengiso zaseNtla Melika naseYurophu. Kwaye oko kunokukunceda ukugcina ishanji ngokuchanekileyo ukuba kukho isaphulelo kumaxabiso eoyile. Njengoncedo, inyani yokuba kuya kufuneka uthathe iikhomishini eziphezulu kakhulu kunakwimarike zesizwe.

Ezinye iimveliso zemali

Ukuba ungomnye wabo bantu abangaqinisekanga kwimarike yemasheya ukuba basebenze ngale mali ibalulekileyo, ungakhathazeki, kuba unolunye uyilo olululungeleyo ngokukhethekileyo olu hlobo lotyalo-mali. Nangona kunjalo, Bayakufuna ulwazi lwangaphambili, kodwa ngaphezulu kwako konke ukufunda okuphezulu kokusebenza nabo.

Enye yeentandokazi zabatyali mali ziimali ezihlangeneyo eziboshwe kwioyile ekrwada.Nokuba ziinkampani zeoyile, okanye ngexabiso leoyile ekrwada kwiimarike zamanye amazwe. Olona ncedo luphambili kukuba utyalomali lwahlukile, njengoko lubandakanya ezinye iintlobo zotyalo-mali, zombini eziguquguqukayo kunye nengeniso esisigxina. Ngale ndlela, uzikhusele kwisiphithiphithi esinokubakho kwixabiso lakho.

Unikezelo alubanzi kakhulu ukuba usebenza eSpain, kodwa ubuncinci unokhetho oluncinci lweemali ezigcina olu phawu. Ngeekhomishini ezingabizi kakhulu kunakwimakethi yesitokhwe, kwaye nokuba nakho ukwenza ugqithiso, ukuba izinto azihambi ngendlela obungathanda ngayo. Iinzuzo zakho ziya kuba zincinci kunokwenza ngokuthe ngqo kwioyile, kodwa kunye nelahleko iya kuba mbi kakhulu.

Iimodeli zotyalo mali ezinobungozi obuphezulu

Ukuba ungumtyali mali onoburhalarhume, Siyavuyisana nawe, Kungenxa yokuba phambi kwakho uthotho lwezindululo ezinokukwenza ukuba ufumane imali eninzi, kodwa uphulukane nazo, kwaye kakhulu. Bafuna ulwazi olunzulu ngazo, kwaye loo nto iya kwenza ukuba uqwalasele le ndlela yokutyala imali oyigcinileyo kulo nyaka sele uqalile. Ukuba uthanda umngcipheko kunye neemvakalelo ezinamandla, qhubeka nayo, kuba izibonelelo ngokuqinisekileyo azisileli.

Ii-ETFs zezona mveliso zezezimali ezifanelekileyo ukusebenza kule klasi yeeasethi, kuba imalunga Umxube phakathi kokuthenga izabelo kwimarike yemasheya kunye neengxowa mali. Nangona ziphantsi kwee-commissions ezicetyiswayo ngenxa yesibonelelo seebhanki ukukhuthaza ezi mveliso phakathi kwabathengi bazo.

Zininzi iimodeli ezikhoyo ze-EFFs ukuba zisebenze ngegolide emnyama, kunye nendalo eyahlukileyo, kuxhomekeke kwiprofayili oyivezayo njengomtyali mali. Sisicwangciso esiliqili esifanelekileyo ukuqokelela ukunyuka okunokubakho kwixabiso lesikowuteshini sakho, kwaye kufuneka uyithathele ingqalelo, ukuba imeko yendaleko ayithandeki. Ukubuyisa, yimveliso ayinzima kakhulu kwaye ungenza ngokusesikweni kulo naliphi na iziko lemali elizweni.

Kunye nokungaqiniseki okukhulu

Ezinye iimveliso, kwelinye icala, zisenokungabi zezona zilungileyo kwiprofayili yakho njengomtyali mali. Ngokukodwa ngenxa yokugqithileyo ekusebenzeni kwabo kubandakanya. Kodwa ngenxa yokuba ungazi ukuba uza kusebenza njani kuzo. Enye yeendlela onokukhetha kuzo kukutyala imali oyigcinileyo kwiimarike apho kuthengiswa khona ioyile. Ngale nto kuya kufuneka uye phesheya, ikakhulu kwizikwere zaseNew York naseLondon. Ngokuqinisekileyo iya kuba nzima kakhulu kuwe, kwaye ngaphezulu koko uya kuba neekomishini eziphezulu kakhulu, kwaye utshintshe kwezinye iimali (idola, iponti entle ...).

Iziqinisekiso yenye into onokuba nayo, kodwa ngezinga eliphezulu nangakumbi lobugcisa. Banokuvelisa iingxaki ezithile ukuba usebenza nale mveliso ikhethekileyo. Ikwangumvelisi weenzuzo ezinkulu, kodwa akukho nyaniso yokuba unokulahla imali eninzi ngazo.

Iindlela zokutyala imali kunye neziqinisekiso kwigolide emnyama

Kuyo nayiphi na imeko, into engasokuze iphinde ize kuwe luluhlu lweengcebiso eziza kukunceda ugqithisele utyalomali lwakho, kwaye ubuncinci, ukubakhusela ngeyona ndlela ibalaseleyo. Ukuba uzisebenzisa ngokuchanekileyo, uya kuba nakho ukuzibeka kwimeko engcono yokuqhuba iintshukumo kwiimarike zezemali.

1. Gcina kuphela iimveliso ozaziyo: Ngenxa yazo zonke izithembiso onazo phambi kwakho, kufuneka wenze imveliso yezezimali ube sesikweni oqhelene nayo kakhulu, kwaye uqonde bonke oomatshini bokusebenza ngayo.
2. Musa ukutyala imali eninzi: imisebenzi yakho iya kwenziwa phantsi kweemali ezingaphezulu kakhulu, kwaye nokuba kunjalo, azimele ngaphezulu kwe-30% yolondolozo lwakho olukhoyo kolu hlobo lotyalo-mali.
3. Thatha isikhundla ukuba imeko iyatshintsha: kuphela ukuba le meko iyenzeka, kuya kufuneka usebenzise isicwangciso-qhinga sakho, nokuba siyintoni na, ukuyiphuhlisa ngesiqinisekiso esikhulu, kwaye awungekhe uphoxeke.
4. Khetha ezona zinekhomishini zincincin: Ngenxa yoluhlu olubanzi loyilo lwezezimali onokuziqesha ngalo mzuzu, kuya kuba sengqiqweni ukukhetha abo baneekhomishini ezincinci kakhulu. Ngale ndlela, gcina ezinye kwintsebenzo nganye oyenzayo.
5. Ulwazi ngezi marikeKucacile ukuba ukuba ufuna ukusebenzisa amathuba oshishino kule marike, awuzukukhetha kodwa ukubonelela ngolwazi olunzulu, ukuba ufuna ukuba imisebenzi yenziwe phantsi kweendlela ezilindelweyo.
6. Yiyahlule kunye nezinye iiasethiAkufanele ugxile kuphela kwioyile, iya kuba yimpazamo enkulu ukuba ungayihlawula kakhulu. Ukuzikhusela, kuyacetyiswa ukuba ubandakanye le mpahla kwipotifoliyo yotyalo-mali, kunye nezinye iimveliso zezemali (iibhondi, iidiphozithi, izitokhwe, njl.).
7. Makhe ucebise ngabaqeqeshiUkuba awufuni ukwenza iimpazamo, unokukhetha ukuba umcebisi ngezemali akucebise, kwaye nkqu nokuyalela, yonke intshukumo oya kuyenza ukwenza iiasethi zakho zinenzuzo ngempumelelo enkulu, kwaye kwangaxeshanye ngokufanelekileyo.
8. Zibekele usukelo onokulufikelela: ungazami ukwenza ezi marike zibuthathaka, ayisosicwangciso silungileyo. Kwelinye icala, ukuba ubeka iinjongo ezizizo zotyalo-mali lwakho, alithandabuzeki elokuba luyakunceda ukuba uhlangabezane nazo. Phantsi koqeqesho olungqongqo, kwaye ngaphezulu kwako konke umonde kunye negazi elibandayo. Ayothusi into yokuba imithambo-luvo ingabacebisi abagqwesileyo ukugcina isikhundla nakweziphi na iimarike zezemali, kwaye kungaphantsi koku kule inzima.