I-swans emnyama ziziganeko ezingalindelekanga ezinokuba nefuthe kumgangatho wehlabathi. Ngokwembali, eli nani belimele imicimbi ebaluleke njengokuhlaselwa kukaSeptemba 2001 kwi Twin Towers okanye ukuwa kweNew York Stock Exchange ngoMvulo oMnyama ngo-1987. Nangona inokuchaphazela yonke imiyalelo yoluntu, inenye yeempawu zayo ezigqwesileyo kwihlabathi lotyalo-mali.
Kuba, enyanisweni, zizibakala ezingekabikho ezingqondweni zabatyali mali kwaye banokugqiba ngekamva leemarike zentengiso. Ukuya kuthi ga kwinqanaba lakho izikhundla ngokubhekisele kwiimarike zemali. Ngokunyanzelwa ngaphezulu kwento yesiqhelo. Akumangalisi ukuba sithethe ngeenyaniso ongenazo kwasekuqaleni. Kodwa inokubonakala ngalo naliphi na ixesha nakwimeko.
Kunyaka olandelayo kwinkqubela phambili, ewe uya kuba nazo ii-swans zakho ezimnyama. Ngokuqinisekileyo nangaphezulu kwesinye. Umsebenzi ophelileyo ubaphuhlisile njani. Kodwa ngaphandle kokuba uyazi ukuba izakuba yintoni. Kungenxa yoko le nto babizwa ngokuba zii-swans ezimnyama. Kuphela kukudlula kweentsuku, iiveki neenyanga eziya kuthi zibonise isazisi sakho. Kodwa ke, unokuzibona kwangaphambili ezinye zeziganeko ezinokuthi zibonwe ngemihla elandelayo. Iya kuba yindlela yokuba ube neeparitha ezingakumbi ukuze wakhe iphothifoliyo yakho yotyalo-mali ukusukela ngoku. Ngaba uyafuna ukwazi ukuba zeziphi ezinye zezi swans zimnyama zinokuba zezi? Ewe, nikela ingqalelo encinci ukusukela ngoku.
Amnyama amnyama: ukungaqiniseki
Ngaphandle kwamathandabuzo, zininzi iziganeko ezinokudlala le ndima ngo-2017. Lixesha elinomdla kakhulu ukukhula. Ukusuka kwinqanaba loqoqosho, kodwa kwezopolitiko, kwezentlalo nangokomkhosi. Kuya kufuneka unonophele kakhulu kwezi ntshukumo. Ngesizathu esinyanzelisayo. Ayikho enye ngaphandle koxinzelelo olukhulu oluya kuyibeka kwindalo yazo zonke iimarike zezabelo. Uya kuchaphazeleka kakhulu yile ntshukumo. Ukuchaphazela imali yakho.
Abanye babo banokubonakala ngokulula, kodwa abanye baya kukumangalisa kwasekuqaleni. Mhlawumbi kungenxa yokuba ungathembeli kuzo njengezinto ezinokuphembelela iimarike zezemali ngezigqibo ezinjalo. Kwaye unyaka nonyaka, lo msebenzi uhlala uphindaphindwa kwabo banokuba ngabo badlala le ndima ikhethekileyo, kwaye kwangaxeshanye kubalulekile, kumadada amnyama. Unokuba nesicwangcisi esingaphezulu kwesinye emva kokubona ukuba lo nyaka sele uza kuphela uphuhle njani.
Ezi swans zimnyama zinokujika ngokupheleleyo umhlaba wotyalo mali. Kwaye ngenxa yoku, unokuluguqula utyalo-mali lwakho kwiinyanga ezilishumi elinambini ezizayo. Kwezinye iimeko ngendlela egqibeleleyo ngokupheleleyo ngendlela obebaphuhlisa ngayo kude kube lelo xesha. Ayothusi into yokuba, nanini na, ungothuka ungatsiba. Xa ubuncinci ungazilindelanga. Ezi ziimpawu eziphambili zeli nani likhethekileyo kwiimarike ze-equity.
Ukuqhekeka kwe-European Union
Ngaphandle kokudlala uqikelelo, kukho iimeko ezithile ezinokuqikelelwa ngengqondo ethile. Okanye ubuncinci i-cabal yayo engafakwanga kakhulu. Enye yazo ihamba nge ukuchithwa kwe-European Union. Namhlanje ayisiyonto intle, njengoko abanye banokucinga njalo. Kodwa inyani enokuthi ixhaswe lunyulo kunye novavanyo-zimvo oluza kwenzeka kwilizwekazi laseYurophu kunyaka olandelayo. Ukuza kuthi ga kwinqanaba lokuba kukho uhlalutyo oluninzi oluvela kwimithombo yeendaba eyaziwayo kulo mbandela ubalulekileyo.
Ukuba ezi ndaba zokuphakama okuphezulu ziyenzeka, ewe ziyakuchaphazela iimarike zezemali, kwaye nawe njengomtyali mali omncinci onguye. Ukusuka kwiindawo ezininzi zokujonga. Enye yazo iya kuba yimarike yemasheya. Ngentlekele ebonakalayo. Kuwo onke amacandelo kunye nokulingana. Kodwa wosulela phantse zonke iimarike: iimali, ingeniso esisigxina, iibhondi, njl. Ungaphulukana nemali eninzi ukuba le meko iyinyani, kodwa iya kuzisa namathuba amahle oshishino. Awunakukhetha ngaphandle kokulungiselela i-swan emnyama enokubhabha ngo-2017.
Ngayiphi na imeko, yinto eza kubakho ukususela ngoku kumaxabiso ezinto eziphambili zaseYurophu. Kuya kufuneka uqale ngokuphila nala mahluko kwii-equities. Yintoni enokukhokelela kwifayile ye- ukungazinzi okukhulu, kwaye ayaziwa ngexesha lokuzilolonga elidlulileyo. Ngale ndlela, ukuba ukhetha imali yotyalo-mali esekwe kukungazinzi, uya kuyenza kakuhle ngakumbi imali. Ukuhamba kwangoko epokothweni yakho.
Ixabiso leoyile li- $ 100
Enye imeko efanelekileyo ngakumbi kwelo dabi limnyama lihlala livela yioyile. Ayinakuba ngaphantsi emva kweekhosi zokugqibela zokuba yeyiphi le asethi yezemali. Ayinakukhutshelwa ngaphandle into yokuba igolide emnyama inokubuyela, nokuba kungomzuzwana, kuthintelo lwe- $ 100 ngomgqomo. Ingakumbi neyokugqibela izivumelwano iveliswe kuMbutho waMazwe aThumela iiPetroli (OPEC). Oko kuye kwalonyusa uluhlu lwazo kwiimarike apho kuthengiswa khona le asethi yemali.
Ixabiso liqala ukubuyela ngokukhawuleza njengoko abatyali mali bexinekile ukungena kwakhona kwintengiso ukuvula ixesha elide. Ngeenkampani eziphambili zeoyile ezikhokelela ekunyukeni kuzo zonke iimarike zentengiso zehlabathi. Ukusuka kolu luvo, unesicwangciso esilula kakhulu sokumisela ngokusesikweni kunye nokuvula izikhundla kwezinye zeenkampani. Izithembiso azizukuphoswa, ngakumbi ngaphandle kwemida yethu.
Ruble uxabiso
Esinye sezimanga ezikhulu ngeli xesha lonyaka kwii-equities kukuba inokuvela kwimarike yemali. Kwaye ngokukodwa kwimali yaseRussia, iruble. Kungenxa yokuba, uxabiso olunamandla ngokuchasene nezinye iimali kunokwenzeka. Oko kungasondela isivuno sisondele kwi-30%. Ukuba yenye yeendlela zokubheja ezinoburharha onokukhetha kuzo ukusukela ngoku ukuba ulindele imbuyekezo enamandla kakhulu. Kodwa ngaphandle kwemingcipheko emikhulu.
Ngayiphi na imeko, iya kuba yenye indlela efuna inqanaba elikhulu lokufunda kwelakho icala. Ukuba akunjalo, kungcono uye kwezinye izindululo ezenzelwe wena ukuba iimarike zezemali zikulungiselele. Nditsho nendima yee-swans ezimnyama njengenye yezimanga oya kuthi ube nazo izikhundla zakho ukwenza ukonga kwakho kunenzuzo. Ukongeza, intengiso ye forex iya iya kufuna isantya esikhulu kwiimarike ngenxa yokungazinzi kwayo kutshintsho lweemali eziphambili zehlabathi.
Ukudibanisa ibhondi
Enye yeemeko ezinokuthi zivele, kule meko zimbi kwimidla yakho, kukuwa kwinzuzo yeebhondi ezihlanganisiweyo. Isizathu esinokubangela le meko kwingeniso emiselweyo sisenzo esenziwe ngu Federal Reserve yaseUnited States (FED) ubundlongondlongo ngakumbi xa kufikwa kumazinga enzala. Esinye seziphumo zaso eziphambili sinokufunyanwa kuthengiso olomeleleyo kwiimarike eziphambili zebhondi xa isivuno siqala ukunyuka.
Ukuthintela ezi meko zinzima kakhulu kwimidla yakho njengomtyalomali wevenkile, awunakukhetha ngaphandle kokurhoxisa zonke izikhundla onazo kwingxowa mali yotyalo-mali kwezi mpawu. Kulapho kanye zifunyenwe khona iikhontrakthi zeemveliso kunye neefomathi ezahlukeneyo, ezinokudityaniswa nezinye iiasethi zemali zengeniso. Kunye buyisela kwimali oyigcinileyo Intle kakhulu ukuza kuthi ga ngoku.
Unyaka olungileyo wokuvela
Enye yezinto ezintsha ezinokubakho ezivela ku-2017 kukuphinda kuqaliswe iimarike ezikhulayo. Ngokukodwa EBrazil ukuba linokuphinda liphumeze amaxabiso alo nje ukuba amathandabuzo malunga nokwakheka korhulumente wawo acacisiwe. Enye yeemeko ezinokuthi ziveliswe kukuba ukuthunyelwa kwelinye ilizwe kumazwe asakhasayo kunokuthandwa yimali yexabiso eliphantsi. Iziphumo zeli qhinga lokurhweba ngokuqinisekileyo ziya kukhuthaza iimarike ezisakhulayo ukuba zibe nonyaka omkhulu, zigqibe amabhondi kunye nolunye utshintsho.
Le nto imnyama yoqoqosho iya kukunika amathuba amaninzi ahlukeneyo okutyala imali yakho. Ngeeasethi ezahlukeneyo zemali nakwiimarike. Apho imarike yemasheya yaseBrazil iya kuba yenye yezona zinomtsalane ukuba zisebenze ukusukela ngoJanuwari. Ayothusi into yokuba izise isaphulelo esomeleleyo ngenxa yonyaka ombi odlulileyo. Zombini malunga nezemali kunye nengeniso esisigxina.
Isilivere ibetha igolide ngenzala
Esi sinyithi sixabisekileyo sinokuba sesinye sezimanga kulo nyaka-mali uzayo. Ukugqwesa intsimbi etyheli. Ngokubuya okungayi kothusa ukuba yenye yezona zinomdla kwiimarike zezemali. Iqela lezopolitiko lokunciphisa ukukhutshwa kwekhabhoni ngokuxhasa amandla ahlaziyekayo iya kuba negalelo ekunyukeni kweemfuno zentsimbi. Ngayo iya kushiya ngasemva amanye amaxabiso okusabela aneempawu ezifanayo.
Ngapha koko, kwiinyanga nje ezidlulileyo isilivere iphuhlise imeko enyukayo yomdla ongathandabuzekiyo kubatyali mali abancinci nabaphakathi. Apho indawo elungileyo yabasindisi ibonakalise umdla wabo kwakhona. Ngendlela elula, ngokuchaseneyo, loo nto kunzima ngakumbi ukuthatha izikhundla kuba icamngca ngemveliso encinci yotyalo-mali. Iimali zotyalo-mali zezona zithatha ikakhulu lo mkhwa. Enye indlela ithunyelwe ngokuthengwa kwesinyithi. Kwaye kuyo nayiphi na imeko, enobunzima obuthile engxoweni.