Ewe, iimveliso zezemali yenye yezona mveliso zinobunkunkqele abanokuthi babhalise kuzo ngoku. Akumangalisi ukuba babonakaliswe ngomngcipheko ekusebenzeni okuphezulu kunezinye iimveliso zezezimali. Ngesi sizathu, ayifanelekanga kuzo zonke iiprofayili zabatyali mali abancinci nabaphakathi. Ukuba akunjalo ngokuchaseneyo, abo banokuninzi ulwazi nokufunda kwimisebenzi yakho. Ukuze ngale ndlela, ukunciphisa umngcipheko wokuphulukana nenxalenye elungileyo yeeasethi ezityaliweyo kuncitshiswe. Iziphumo zezemali zinokuqwalaselwa njengenye yezona zingaziwayo kwicandelo lotyalo-mali.
Ukusuka kule meko ngokubanzi, akukho nto ilunge ngaphezu kokwazi eyona ntsingiselo yayo ukubonisa ukuba ingaba ilunge kangakanani na kuwe ukwenza olu hlobo lomsebenzi kule mizuzu. Ngenxa yokuba, isiphumo sezemali yimveliso ejolise kutyalo-mali kwaye ixabiso layo lisekwe kwi Ixabiso lenye i-asethi yemali esoloko ibizwa ngokuba sisiseko. Oko kukuthi, ukuba umzekelo i-oyile isetyenziswa kwixabiso elizayo, ngapha koko, sibhekisa kwixabiso legolide elimnyama.
Kufuneka ikhankanywe ukuba nayiphi na into ephuma kwimali ibonakaliswa yinto ethile, kungenxa yokuba iyimveliso eguquguqukayo. Ukuziqhelanisa kuthetha ukuba inokubhekisa kuyo nayiphi na i-asethi eyimali exabisa ityuwa yayo, phantse akukho kusikelwa umda ngokwesibonelelo esinokuthi senziwe yimarike zezemali. Oko kukuthi, ukusuka kwimpahla eyahlukeneyo edweliswe kwiimarike ze-equity ukuya kwi-indices zesitokhwe, amaxabiso enzala okanye nakwizinto ezisetyenziswayo. Ngaphandle kokulibala iiasethi kumvuzo osisigxina Oko kukuthi, uya kuba neenketho ezininzi onokukhetha kuzo kwaye wenze ulondolozo lube nenzuzo ngokwesicwangciso osicwangcisileyo ngawo onke amaxesha.
Iziphumo zezemali: ukwenziwa kwazo
Olu didi lweemveliso zemali lubonakaliswa ngokuvuleleka kumathuba amatsha kwicandelo lotyalo-mali. Ngale ndlela, oko kubizwa ngokuba ziziphumo ziya zisanda rhoqo. Forex Ngoobani abo bangenelela kwi izinga lotshintshiselwano lwemali. Kolu hlobo lweemveliso zezezimali ungathatha iindlela ezahlukeneyo kwiimali ezahlukeneyo. Ayifanelanga ukuba yi-euro, kude nayo, kodwa uvulelekile kuzo zonke iinkampani zamanye amazwe ezidweliswe kwiimarike zamanye amazwe. Ukusuka kwidola yaseMelika, i-franc yaseSwitzerland, i-yen yaseJapan okanye krone yaseNorway.
Yindlela ekhethekileyo yeziphumo zezezimali ezihlangabezana nemfuno ekhethekileyo evela kubatyali zimali abancinci nabaphakathi. Akunanto, ezemali Yenye yezona zinto zibalaseleyo zokubonelela ukusebenza ngale modeli yotyalo mali. Nangona inokwenziwa nakwimveliso eluhlaza, isinyithi esichanekileyo okanye nangamabhondi azimeleyo. Ngale ndlela, akukho zithintelo zalo naluphi na uhlobo ukuze ukwazi ukusebenza kwezi zihlandlo zichanekileyo. Ngayiphi na imeko, into oya kuyidinga kwinqanaba eliphezulu lokufunda ekusebenzeni kwayo, emva kwayo yonke loo nto, ayithethi ngokuthenga nokuthengisa izabelo kwimarike yemasheya.
Iziphumo zetyala
Kukwakho nezinye iindlela ezintsha zokwenza olu tyalo-mali kwaye zithunyelwa kwizinto ekuthiwa zivela ngetyala. Ngumngcipheko osisiseko wokuba ityala okanye ivawutsha kwaye zibaluleke ngokukodwa kwiminyaka yokuqala yobunzima bezoqoqosho. Apho abatyali-mali bekwazile ukwenza ukuba imisebenzi yabo ibe nenzuzo ngemida yokulamla ephezulu kakhulu kunenye yezinye iindlela ezivela ngakumbi zemali. Nangona kwelinye icala umngcipheko wokuthatha isikhundla kwezi mveliso uphezulu kakhulu. Ukuya kwinqanaba lokuba ungashiya i-euro eninzi endleleni ukuba ukuvela kwazo akuyiyo le nto ubuyilindele kwasekuqaleni.
Ukusuka kwimeko eqhelekileyo, kuya kufuneka uxelele ukuba ziimveliso zezemali ezingakhange zijolise kuyo nayiphi na iprofayili yotyalomali. Akukho kuncinci, kuba kuphela ngabo baqhele olu hlobo lomsebenzi baya kuba nakho yenza imali ngezinto zakho zobuqu okanye usapho. Oku akufuneki kulityalwe ukuze ungafumani isimanga esingemnandanga kwiintsuku ezimbalwa ezizayo, kwaye njengoko kwenzekile koogxa bakho abatyala imali kule mveliso yemali bengazi ukuba yayiyintoni kanye kanye. Kwaye iziphumo bezingenakuba zintlekele ngakumbi kwindawo yokujonga ingxelo yemisebenzi.
Ngaba uyafuna ukwazi ezinye iimveliso?
Ewe kunjalo, ukuba into oyifunayo kukumangalisa ukuqhuba utyalo-mali lwakho ngeziphumo zezemali, awuyi kuba neengxaki ezigqithileyo. Kuba ngenene unokufumana ezinye izinto ezivela njengokucebisa kunye nokuyila izinto ezintsha njengokuphuma kwi-CO2 emissions, Iziphumo zokunyuka kwamaxabisonjl. Nangona kunokubonakala kungakholeki, unokwenza imali ngezi ndlela zintsha zokutyala imali. Nangona njengakwiimeko zangaphambili ezinedosi ebonakalayo yomngcipheko ekusebenzeni. Ayothusi into yokuba azenzelwanga ezona zinto zixhaphakileyo ebantwini.
Kwelinye icala, bakho nakweli shishini ithuba elibizwa njalo Iimpahla. Zikhetho kwizinto ezingafunekiyo, ezinje ngeoyile okanye igolide, phakathi kwezinye zezona zibalulekileyo. Apho, ezinye zezona zaziwa kakhulu zimelwe kukhetho, ikamva okanye iziqinisekiso ngokwazo. Ewe kunjalo yenye yeendlela zokujongana nehlabathi lotyalo-mali kwaye ikhona kwizibonelelo eziye zaphuhliswa kule minyaka idlulileyo, zombini iibhanki kunye namaqonga ezemali.
Imirhumo evela kwimali
Enye into ekufuneka ithathelwe ingqalelo lixabiso lale misebenzi kwiimarike zezemali. Ewe, kule ngqiqo umahluko awubanzi kakhulu ngokubhekisele kwezinye iimveliso eziqhelekileyo zemali. Nangona yonke into izakuxhomekeka kwi i-asethi eyimali ekhethiweyo ngumsebenzisi. Imirhumo yabo iphakathi phakathi kokuthenga okanye ukuthengisa isitokhwe kwimarike yemasheya kunye nokusebenzisana kwemali. Nangona iiasethi eziphucukileyo zibonelela ngamaxabiso afunwa ngakumbi njengesiphumo sokujolisa kwiimarike zamanye amazwe apho imisebenzi kufuneka ihlawulwe ngemali engeyiyo i-euro.
Ngayiphi na imeko, awungekhe ulibale ukuba isitshixo sokungena kule mveliso yezemali silele kwinto yokuba kufuneka uyazi kwi uyityala phi imali. Into abangayiqhelanga bonke abathengisi kwaye ebangela ukuba iziphumo zingabi yile nto ilindelweyo nakuluphi na uhlobo lwesicwangciso-mali. Ngaphandle kwezinye iindlela zobuchwephesha kwaye mhlawumbi nakwindawo yokujonga esisiseko. Yinto ekufuneka ubenayo ukusukela ngoku ukuya phambili ukuba awufuni mangaliso ungalindelanga.
Kuzo zonke ii-indices zesitokhwe
Nangona kunjalo, ayizizo zonke iziphumo ezivela kwimali ezinzima ngokulinganayo. Ewe akunjalo kwaye ngale ndlela unoluhlu olubanzi lwezi modeli zotyalo mali. Baqala kwizikhundla ezithathwe kwezinye zeetshipsi eziluhlaza zesizwe, ezinjenge-Endesa, i-BBVA, iRapsol okanye iBanco Santander ukuya kwixesha elizayo lesalathiso somgangatho, i Ibex 35. Ngaphandle kokutyeshela intengiso yeminyaka eli-10 njengesicwangciso esiliqili sokwenza ulondolozo lube nenzuzo ngendlela elungeleleneyo.
Olunye utyalo-mali olungaziwayo lukhona, njengokhetho kwi-Ibex 35. Ngayiphi na imeko, ngokuqinisekileyo ezi ziifomathi ezinzima ngakumbi ezifuna ukuqonda okukhulu ngale mveliso yemali. Phakathi kwezinye izizathu kuba ayisiyondlela ifanayo, ukuba akunjalo, ngokuchaseneyo, inezicelo ezahlukeneyo kunye nohlobo olwahlukileyo, njengoko unokubona kweli nqaku. Ke ngoko, kuya kufuneka ucace gca ukuba ngowuphi kubo oza kulungisa naye ukusukela ngoku.
Khetha i-asethi efanelekileyo
Kwelinye icala, elinye lamaqhosha okwenza inzuzo kukukhetha iasethi yezemali apho ufuna ukutyala imali yakho kakuhle. Ingakumbi ukuba ukhe wasebenza nayo okoko le nto iya kuququzelela umsebenzi ngendlela ephawuleka kakhulu. Ngaphandle kokuzama ngale ndlela kuba ekuphela kwento onokuyifumana kukumangaliswa okungaqhelekanga kokubi ngakumbi kunesiqhelo. Le mveliso ayenzelwanga kulinga naye, kodwa ngokuchaseneyo nokuba nezinto zicace gca kwasekuqaleni. Yinjongo ekufuneka uyithathele ingqalelo xa usenza nasiphi na isicwangciso sotyalo-mali.
Ukuba uyayithobela le mfuno ilula, uya kufumana umhlaba omninzi kwaye usondele apho unokufumana khona inzuzo ethile kwimisebenzi eqhutywa ngeziphumo zezemali. Kungenxa yokuba kusekupheleni kosuku ukuba ingantoni, nokuba kungenxa yemveliso ephucukileyo njengale. Ayothusi into yokuba ngandlela ithile ayinanto yakwenza nokuthengwa nokuthengiswa kwezabelo kwiimarike zesitokhwe. Izisa umohluko ophawuleka kakhulu kwaye kuya kufuneka ulindele xa uqesha.