Ngokuqinisekileyo uvile ngaphezulu kwesihlandlo esinye ukuba zeziphi izinto ezivela kwezemali. Ngeyona njongo iphambili yokutyala imali kwezi mveliso ukuya yandisa inzuzo kwilifa lakho lobuqu okanye losapho. Kodwa ngaba uyazi ngokwenene ukuba ezi modeli zibandakanya ntoni utyalo mali? Ewe, iziphumo zezemali ziimveliso okanye izixhobo ezixabiso lazo lixhomekeke kwixabiso lenye i-asethi. Iasethi exhomekeke kuyo ithatha igama leasethi esezantsi, umzekelo ixabiso lekamva kwigolide lisekwe kwixabiso legolide. Okanye kwimeko yezinye iiasethi zemali, ezinje ngezinto ezingavuthiweyo okanye isinyithi esinexabiso, phakathi kwezinye zezona zibalulekileyo.
Ngayiphi na imeko, zizixhobo ezinamandla kakhulu zokuphucula amanqanaba enzuzo kutyalo-mali. Kodwa ngononophelo olukhethekileyo kwaye yile umngcipheko wokusebenza ziphezulu kakhulu kunezinye iimveliso zemali eziqhelekileyo. Apho kuyinyani ukuba unokufumana imali eninzi, kodwa ngenxa yesizathu esifanayo ushiye i-euro eninzi endleleni. Le yenye yeemfuno ekufuneka uzithathile ekusebenzeni kweziphumo zezemali.
Zininzi izinto eziphuma kwizemali njengoko kukho iiasethi ezinxulunyaniswe nazo. Ngesi sizathu iyimveliso eyahlukaniswe kakhulu kwiimarike zezemali. Kuba, uneemodeli ezininzi ukuba ukhethe phi ukusukela ngoku. Elinye lamacandelo athengiswa kakhulu ngamaziko emali yile inento yokwenza ngokuthe ngqo nohlobo lokhuseleko olusisiseko. Ukuya kuthi ga kwinqanaba lokuba iyimveliso ebonelelweyo ukuphucula amaxabiso enzala aphantsi abonelelweyo ngalo mzuzu. Kodwa ngomngcipheko omkhulu kulawulo lwayo, njengoko uza kubona ukusukela ngoku.
Iziphumo eziveliswayo: ixabiso lezinto ezingaphantsi
Olu khetho lubonisa iimodeli zotyalo-mali ezininzi, phakathi kwazo zibalasele ngaphezu kwako konke Iziphumo zenqanaba lenzala. Kule meko, sisiphumo esikhetheke ngokukodwa sokuba, njengoko kusengqiqweni ukuyiqonda, ixhomekeke ikakhulu kumazinga enzala. Iziphumo ezinjengezo zaziwa njengokutshintsha kwenqanaba lenzala kwaye eyona nto isebenzayo isekwe ekuzikhuseleni ngokwahluka okunokubakho okanye ukubonakaliswa okuthe kratya kwinqanaba lenzala. Oko kukuthi, ukuba ucinga ukuba ezi zinto zibalulekileyo zingenziwa, unokwenza ezi ntshukumo zinenzuzo ngokusebenza okukhethekileyo. Kungenxa yokuba inzuzo eyinkunzi inokuba nkulu kunezinye iimveliso eziqhelekileyo zemali.
Ukusuka kule ndawo yokujonga, amaxabiso enzala angaphezulu kokungafaniyo okusetyenziselwa ukudibanisa nawuphi na umgca wekhredithi. Ukuba akunjalo, ngokuchaseneyo, kusebenza ukwenza utyalomali kwiindlela ezahlukeneyo. Ngayiphi na imeko, yenye yeendlela ezizezinye eziye zenziwa ukuba zibe semfashinini ngokungabikho kokukhetha okunokwenzeka kuwe fumana imbuyekezo kulondolozo. Nangona kunjalo, ayisiyomveliso yezemali ukuba isetyenziswe, uhlobo oluqeshwe yinxalenye elungileyo yabatyali mali abancinci nabaphakathi. Endaweni yoko, yiprofayili yomtyali mali ephucukileyo.
Iziphumo ezivela kwi-Forex
Ewe kunjalo, le yenye yezona zinto zivela rhoqo kwimarike yezemali. Ngenxa yokuba, isicwangciso-qhinga sisekwe ekuthatheni ithuba lokwahluka kwi izinga lotshintshiselwano lwemali eyona ibalulekileyo. Akumangalisi ukuba ezi ntlobo zezinto eziphuma rhoqo zihlala zenziwe ukhetho okanye ikamva kwimali engeyiyo eyabo okanye nokuba ineemali ezimbini zangaphandle. Ukusuka kwezona zesiko njengedola yaseMelika okanye i-euro ngokwayo ukuya kwezinye izinto ezingaqhelekanga ezinje ngeerali zaseBrazil, iipeso okanye ezona mali zingalindelwanga zasemazantsi mpuma Asia.
Olunye lweempawu zale nto ikhethekileyo ikukuvumela ukuba ufumane inzuzo enkulu kakhulu. Ewe kunjalo, phantsi koxinzelelo olukhulu kunolo lweemveliso zemveli ezingaphezulu. Nangona ngesizathu esifanayo, kuya kufuneka ukhumbule ukuba ungashiya ii-euro ezininzi kwindlela yotyalo-mali. Ke ngoko isilumkiso Iya kuba yeyona nto iphambili kwimidlalo yakho. Ngaphezulu kwezinye izinto zobuchwephesha kunye nokuqwalaselwa okusisiseko. Ngemveliso yezemali ethandwa kakhulu ngabatyali zimali zentengiso.
Iziphumo ezivela kwii-equities kunye neemveliso
Ngaphandle kwamathandabuzo enye yezona zinto ziphucukileyo zezemali onokuzifumana ngoku kwiimarike zezemali. Ewe, kule meko ludidi lwezinto ezivela kwizinto ezixhomekeke ikakhulu kwiasethi ekutshintshiswane ngayo kwiimarike zesitokhwe, umzekelo izitokhwe okanye iibhondi. Nangona kunjalo, kukwakho kaninzi ukhetho kwizinto ezingafunekiyo, ezinje ngeoyile okanye igolide. Nangona kunjalo, eyona nto iphambili kubo kukuba zinzima kakhulu ukusebenza nayo.
Ngandlela thile, ziyafana kakhulu nezo iinketho okanye ikamva. Umahluko kakhulu ngokubhekisele kubume bayo kunye noomatshini bokusebenza kunye nabo. Ngayiphi na imeko, ziyimveliso ephucukileyo ngakumbi kunezinye kwaye ke azenzelwanga kuzo zonke iiprofayili zabatyali mali abancinci nabaphakathi. Ukuza kuthi ga kwinqanaba lokuba bakwenze ukuba ulahlekelwe yimali eninzi ekusebenzeni ukusukela ngoku. Ngayiphi na imeko, sisicwangciso onaso ngalo mzuzu sokusebenza kwizixhobo ezingafunekiyo okanye nakwizinyithi ezixabisekileyo, njengezona mpahla zibalulekileyo kwezemali ngalo mzuzu.
Uthini umonakalo?
Ukuthengisa iiasethi zemali akulungele bonke abaphulaphuli. Kodwa kuphela bambalwa abanelungelo, hayi ngenxa yokuba ziimodeli ezizodwa zotyalo-mali. Kodwa ngenxa yokuba eyona ngxaki iphambili ebandakanyekileyo kukuqonda kwabo okunzima. Akumangalisi ukuba usenokungazi nokuba usebenza njani kwezi asethi zemali. Inokudala ngaphezulu kweyodwa ingxaki xa uvula izikhundla. Ngenxa yoko, kulunge kakhulu ukuba ukusukela ngoku uye uthathele ingqalelo ezinye zeempawu zayo ezifanelekileyo, ezinjengezo sikubhenca apha ngezantsi.
- Yimveliso ethile yezemali efuna ulwazi lwangaphambili lweemarike zemali apho usebenza khona. Ungazami ukunyanzela ukusebenza kuba iya kuba neziphumo ezingafunekiyo kwimidla yakho njengomtyalomali omncinci nophakathi.
- Ewe akunanto yokwenza nokuthenga kunye nokuthengisa izabelo kwimarike yemasheya. Esi sesinye sezizathu eziphambili zokuba kufuneka uzibandakanye kudidi olunye kutyalo mali. Ucinga lonto ziimodeli ezahluke kakhulu ukuya kuthi ga kwinqanaba lokuba baphambuke kwiindlela zabo. Ukuza kuthi ga kwinqanaba lokuba zingangabi ziimodeli ezifanelekileyo zotyalo-mali kwiimpawu zakho njengomtyali mali.
- Akukho siphumo sinye, kodwa ngokuchaseneyo unokukhetha phakathi kwezinto ezahlukeneyo ezinokuthi zilungelelaniswe neprofayili yakho njengomsebenzisi. Ukusuka kutyalo-mali kwizinyithi ezixabisekileyo njengegolide nesilivere yokufuna ingeniso kutshintsho lweemali eziphambili zehlabathi. Awunamda wokukhangela umxholo wezi mpawu zincinci ziphononongwe ngabatyali mali abakhulu.
- Ukuba into echaza ezi mveliso ezizodwa zezemali ngokungathandabuzekiyo yi Inqanaba lokunyusa onayo. Ukuza kuthi ga kwinqanaba lokuba banokwenza ukuba ufumane imali eninzi kunolunye ukhetho lotyalo-mali. Kodwa ukuba uyazi ukuba usebenza nabo njani, kutheni kungenjalo, umngcipheko wokungena kwisivumelwano uphezulu kakhulu. Hayi ngelize, kuya kufuneka uzibuze ukuba kufanelekile ukubaqesha ukusukela ngoku.
Izibonelelo zezinto eziphuma kwimali
Kwelinye icala, ezi modeli zotyalo-mali zikulethela izibonelelo ezingenazo ezinye iimveliso zezemali. Ngale ndlela, enye yezona zinto zixabisekileyo zibubungqina bokuba ivula iingcango ezintsha kwihlabathi lotyalo-mali. Kanye njengokuba ubungazange ucinge kwasekuqaleni. Phakathi kwazo kukwavelela inyani yokuba unakho urhweba ngayo nayiphi na iasethi eyimali. Njengenye indlela yokwenyani kwimeko engathandekiyo kwiimarike zezabelo.
Kuyamangalisa kakhulu ukuba iziphumo zezemali zinokongeza ixabiso kutyalo-mali. Logama nje igalelo lakho lezemali alikho likhulu kakhulu. Kodwa ngokusebenza ngokuhambelana nezinto zesiko. Ukuba ukusebenza phantsi kwezi paramitha akukho mathandabuzo okuba banokuba yinzuzo enkulu kwimisebenzi yakho. Kuba uya kuba neemodeli ezingacingekiyo kwiminyaka embalwa edlulileyo. Umzekelo, kwiimeko ze ivela kwi-CO2 ekhutshwa, ukunyuka kwamaxabiso okanye nayiphi na enye into.
Ayothusi into yokuba ujongene nemveliso yezemali eguquguqukayo enokuhlengahlengiswa kwiimeko ezininzi kunye nohlobo olwahlukileyo. Oko kukuthi, unokurhweba ngokuvela nangaliphi na ixesha. Ke ngale ndlela, unokukhetha ngakumbi ukwenza imisebenzi ibe yinzuzo ukusukela ngoku. Nangona kungacetyiswa ukuba udibanise le mveliso ngokungathi kukutyalomali kwizabelo zokusebenzisa. Kungenxa yokuba emva koko uya kuba wenza impazamo enkulu eya kukwenzakalisa kwiminqweno yakho yokuphucula izinto zakho okanye usapho. Yenye yezinto ekufuneka uyithathele ingqalelo ukuvula okanye ukubuyisela umva isikhundla kwiasethi yemali ekhethiweyo. Ngaphezulu kokuqwalaselwa kobuchwephesha ngakumbi.