Ngaba lixesha lokutyala imali kwiimarike ezisakhulayo?

ezikhulayo Ewe zininzi iintlobo zotyalo-mali, kodwa enye yezona zinoburharha ziyavela. Ayothusi into yokuba bane amandla aphezulu Kubaluleke kakhulu kwaye ngokuqinisekileyo ngaphezulu kweentengiso zemveli. Ukusuka kweli nqanaba kukho imali eninzi onokuyifumana. Kodwa ngenxa yezizathu ezifanayo, kukushiya ilifa elininzi apha endleleni. Kungumngcipheko wokuba awunakukhetha ngaphandle kokuthatha ukuba ufuna ngenene ukuthatha isikhundla kwezi marike zezemali.

Ukuze ucace gca malunga nokuba olu hlobo lotyalo-mali luqulathe ntoni, akukho nto ingcono kunokuchonga ukuba zeziphi ezivelayo. Ewe, la ngamazwe ane ukukhula ngokukhawuleza yemisebenzi yezoqoqosho enxulumene, hayi kuphela nokukhula kwangaphakathi kwelizwe ngokwalo. Ukuba akunjalo, kunye nokonyuka okubonakalayo kubudlelwane bezorhwebo namazwe wesithathu. Ngamafutshane, ukukhula kwayo kunokwenzeka kakhulu.

Iimarike zamasheya zala mazwe zinentsebenzo engcono kumaxesha andisiweyo oqoqosho lwamanye amazwe, nge ukukhwela nkqo kakhulu kumaxabiso abo. Nangona ngokuchaseneyo, bahlupheka ngokuwa kakhulu kwiinkqubo eziguqukayo. Kungenxa yesi sizathu sokuba iimarike zentengiso zamazwe asakhasayo zihamba kwimijikelezo yezoqoqosho. Yinto ekufuneka uyivavanyile ukuba uza kuthatha izikhundla ukusukela ngoku. Kungenxa yokuba ngokungathandabuzekiyo uya kuqhuba umngcipheko ngakumbi kunezinye iimarike ze-equity.

Athini amazwe asakhulayo?

Okokuqala, kuya kufuneka uyazi ukuba ngoobani abameli boqoqosho olukhetheke kakhulu. Ewe, ngokusisiseko BRICS. Ngobani? Ewe, zizii-akhronimi ezimele uqoqosho olufanelekileyo lweli qela: iBrazil, iRussia, i-India, i-China kunye noMzantsi Afrika. Kodwa ayisiyiyo kuphela evelayo apho ungatyala imali okonga ukusukela ngoku. Ukuba akunjalo, kunye nezinye iimarike ze-equity ezingaziwayo. Njengomzekelo, iTurkey, iMexico kunye nazo zonke iidragons zaseAsia. Oko kukuthi, unendawo eninzi apho unokukhetha khona utyalomali lwakho olulandelayo. Okungaphezulu kunokuba ubucinga ekuqaleni.

Uninzi lwabo, ulindelo lokukhula luphezulu kakhulu. Ukuza kuthi ga kwinqanaba lokuba bakwazi ukuvelisa ukwanda kweebhegi zabo ngaphezulu kwe-10% minyaka le. Ngakumbi nakwezona meko zithandekayo kwimidla yakho. Ngale ndlela, enye yeemarike zezemali ezixhasayo kule minyaka idlulileyo yile Indiya . Ngophononongo lonyaka ukuya kuthi ga kumanani amabini. Kodwa kufuneka uhloniphe iimpawu zabo zobuthathaka ukushiya izikhundla. Kungenxa yokuba umngcipheko ubaluleke kakhulu kwezi meko.

Iimpawu zezi marike

iimarikeEzi marike zezimali zikhetheke kakhulu kwaye azijoliswanga kuzo zonke iiprofayili zabatyali mali. Hayi ngelize, kuya kufuneka uyazi ukuba usebenza njani ngexabiso lakho kunye notyekelo lwakho. Kuba nakuphi na ukubala okungalunganga kunokuxabisa i-euro ezininzi eziza kuhla ngendlela. Ukuba ungumsebenzisi onamava amancinci kurhwebo lwesitokhwe, kungangcono ukuyeka naluphi na uhlobo lokuthengisa kwiimarike ezisakhulayo. Nokuba kungenxa yotyalo mali. Imingcipheko iphezulu kakhulu ukuba ungabeka emngciphekweni imali yakho ukusukela ngoku.

Kwelinye icala, ingxelo yakutshanje yenkampani yokubonisana ngezimali ekhokelayo ibalaselisa ezona mpawu zibalulekileyo zeemarike ezisakhulayo. Enye yezona zibalulekileyo kukungazinzi okuphezulu, ngaphezulu kwezinye iindawo. Ukongeza, kufuneka ithathelwe ingqalelo ukuba la mazwe akwi- Utshintsho rhoqo. Oku kwenza ukuba kube nzima kakhulu ukuvavanya imeko yokwenyani yezi marike. Esi sesinye sezizathu zokuba ukuhla kwexabiso kwixabiso lakho kuhlala kwaye kunokudala imeko yokungonwabi. Apho ungazi ukuba kunyanzelekile ukuba uthengise izabelo okanye ngokuchaseneyo gcina izikhundla zivulekile.

Njani ukunciphisa umngcipheko?

Nokuba yeyiphi indlela, unothotho lweendlela zokunciphisa umngcipheko wokusebenza kwezi marike zikhethekileyo. Omnye wabo uziphethe ngendlela ETFs o Iimali ezidwelisiweyo. Yimveliso yezemali engumxube phakathi kweemali kunye kunye nokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya. Ikuvumela ukuba uhlukanise ngcono utyalo-mali nangona umngcipheko uhlala uhleli. Zininzi kwezi mveliso eziphindaphinda isalathiso seemakethi ezihlumayo. Kodwa ngoncedo olukhulu olubonisa iikhomishini ezinomdla ngakumbi kuqoqosho lwasekhaya.

Enye yeemodeli zotyalo-mali ezinokubangela umdla ukuvula izikhundla kwezi marike ziimali ezixhasanayo. Unayo umnikelo onamandla ngabaphathi. Apho kubandakanywa iimarike ezahlukeneyo ezivelayo, kuxhomekeke kukhetho lwakho. Kule meko, olona loncedo lwayo kukuba utyalomali olunokwahluka kunye nezinye iiasethi zemali. Ayisiyiyo kuphela kwii-equity, koko ikwavela nakwingeniso emiselweyo okanye nakwezinye iimodeli. Ezi mali zenzelwe ixesha lokusisigxina kwixesha eliphakathi nelide.

I-Indiya: enye yezona zinto zihamba phambili

Indiya Kuzo zonke ezi ntengiso, i-India ibalasele. Igcina imeko engenakubekeka phezulu eye yenza inani elincinci labatyali mali abancinci nabaphakathi bafumana imali eninzi. Nangona kunjalo, inomngcipheko owongeziweyo kwaye kuya kufuneka uthathele ingqalelo ukuba uza kuvula izikhundla ngeli xesha. Ngenxa yovavanyo oluphezulu ebenalo kule minyaka mithathu idlulileyo, ngekhe kumangalise ukuba kukho eyomeleleyo ukulungiswa kwamaxabiso abo Kwiinyanga ezimbalwa ezizayo. Ukuza kuthi ga kwinqanaba lokuba kubenzima kakhulu kutyalo-mali lwakho.

Elinye lamaqhinga okungena kule marike yaseAsia ikhulayo kungenxa yotyalo mali. Ziluncedo kakhulu ekufezekiseni iinjongo zakho, ngaphandle kwesidingo sokuba wazi amaxabiso adweliswe kwiindices zabo eziphambili zentengiso. Ngakumbi nangakumbi abaphathi bajike iijazi zabo zajonga kule ndawo ngokwembonakalo ye iimali ezintsha zotyalo-mali. Ngale ndlela, unganakho ukuhlangabezana nale mfuno yokubonelela ngenkangeleko yakho yotyalo-mali. Ngayiphi na imeko, i-India lelinye lamazwe avelayo ongenakulibala ukusukela ngoku.

Zizisa ntoni ezi marike?

Asia Ewe zikhona ezinye izibonelelo ezibonelelwa ziinkampani ezisakhulayo. Kuba awungekhe ulibale ngephanyazo ukuba ziimarike ezahlukeneyo. Kwaye abayilandeli kwaphela imeko yeemarike zentengiso zamazwe ahambele phambili. Ukwenza kube lula kuwe ukuba uthengise ezokhuseleko zeli candelo libalulekileyo lezabelo, akukho nto ilunge ngakumbi kunokujonga ezinye zeempawu zayo ezibalulekileyo.

  • Ayizizo zonke iimarike ezisakhulayo ezifanayo, kude nayo. Ukutyala imali kwizabelo eMzantsi Korea akufani naseMexico. Inkqubo ye- iyantlukwano kwizindululo zayo yenye yezona zinto zixhaphakileyo kwezi marike. Awunakho ukuzibeka zonke kwidrowa enye kuba uya kwenza impazamo enkulu oya kuzisola ngayo emva kweentsuku ezimbalwa.
  • Ukukhula okuphakathi kwezi marike kunyaka ophelileyo kuye kwanelisa ngakumbi kunokuba kwiimarike eziphuhlileyo. Ngokusebenza phakathi kweepesenti ezintlanu kunye neshumi leepesenti ngaphezulu kwezi. Ngale ndlela, inzuzo iya kuba banzi kolu tshintshiselwano.
  • Ludidi lotyalo mali oluthi awungekhe wabele ixesha eliphakathi nelide. Ngokuchanekileyo ngenxa yokuvela kwayo, inokutshintsha kakhulu nangaliphi na ixesha. Ngale ndlela, unokufumana ikhonkco kumaxabiso akhethiweyo. Ngomnye umngcipheko owongezelelekileyo wokuba ubaleka nolu hlobo lomsebenzi kwiimarike ze-equity.
  • Zizoqoqosho oluninzi ukukhula okunokubakho. Esi sesinye sezizathu kuba bathambekele kakhulu ekusebenzeni kwabatyali mali abancinci nabaphakathi. Akumangalisi ukuba banokwenza inzuzo ekuhambeni kwabo kwimarike yemasheya ngamandla ngakumbi kuneemarike eziphuhlisiweyo.
  • Ezinye zeemarike ezisakhasayo zinenzuzo enkulu iminyaka eliqela. Umzekelo, Iidragons zasemazantsi mpuma eAsia ezivelise imbuyekezo kumaxabiso azo ngaphezu komndilili wamazwe aphesheya. Nangona kukho iikhomishini ezibanzi ngakumbi kuneemarike zelizwe, ngeendleko eziphindwe kabini kolu luvo.

Njengolunye utyalo-mali

Kuya kufuneka uzibone ezi marike zamashishini njengenani ithuba lo shishino ethiwe thaca kuwe ukuphucula ibhalansi yokutshekisha. Ngesi sizathu akufuneki uyisebenzise gwenxa imisebenzi. Ukuba akunjalo, ngokuchaseneyo, zibeke ngokusemthethweni xa iimeko ezifanelekileyo zinikwa ukungena kwizikhundla zabo. Ziya kubakho amaxesha ambalwa ngonyaka okanye mhlawumbi kukho imithambo apho ingalunganga khona. Kuya kufuneka ujonge inkangeleko yabo, ke akusayi kubakho sisombululo simbi ngaphandle kokwenza uhlolo olucokisekileyo lweemarike zabo.

Ukusuka kule meko, nawuphi na umqondiso wokufaka kufuneka uxhatshazwe phantse kwangoko. Ayothusi into yokuba kuninzi onokukufumana kulo msebenzi ngamnye. Kodwa ukukhusela intshukumo ekugqwethweni okunokwenzeka kwiimarike ze-equity. Kungenxa yokuba ukuhla kwexabiso kukwabekwa nkqo, njengoko kwenzekile kule minyaka idlulileyo. Ngokwehla konyaka okungaphezulu kwama-20% kwezinye zezi ngxowa.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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