Ingabe yisikhathi sokuba abatshalizimali babuyele emholweni ongaguquki? Uma sibheka imibiko yezinye izinkampani zokuphatha kubukeka sengathi lokhu umkhuba of is giving among small and medium savers. Ngokudluliswa kusuka emaphothifoliyo abo okulingana. Kule nhlangano bafuna ukuphepha okuthe xaxa eminikelweni yabo yezezimali. Yize ngentengo ye- dela amamajini wokuhweba ahamba phambili ukuthi imikhiqizo ehlukene yokulingana inganikela. Akumangalisi ukuthi sikusikhathi esiphakamisa ukungabaza okuningi phakathi kwabasebenzisi. Ngokwesaba okufihliwe ukuthi bangalahlekelwa yingxenye yezimpahla zabo ngenxa yoshintsho kumkhuba ezimakethe zamasheya.
Kulesi simo esivamile, kufanele ukugqamisa umbiko wakamuva oshicilelwe yiNatixis Global Asset Management. Lapho kukhonjiswa khona ukuthi abatshalizimali baseSpain abathembe ukwenyuka kwemakethe yamasheya, noma ngemininingwane yezomnotho ekhiqizwa ezimakethe zezezimali. Kuze kube seqophelweni lokuthi amaphothifoliyo aya ngokuya akhathalela kakhulu ngemuva kwezinyanga ezimbalwa ezedlule. Ngokuqapha okukhulu maqondana nokulinganiswa kwayo kumasheya, ikakhulukazi i-US, nedola. Futhi ukubuyela okuqhubekayo kumikhiqizo engenayo engaguquki.
Ngesikhathi sonyaka lapho amasheya ngokwesiko aziphatha kahle ngokwengeziwe kuzintshisekelo zakho. Lapho umphumela walokho okuthiwa rally kaKhisimusi Iyamukelwa ngabatshalizimali abancane nabaphakathi. Ngokubuyekezwa kwezinkampani ezibalwe ngaphezulu kwe-10%. Imvamisa kule ngxenye yonyaka izikhala zokuthenga zibekwa ngokusobala kubathengisi ngendlela ecace bha. Lesi ngesinye sezizathu esenza ukuvela kwalo mbiko ngumenzeli obalulekile wezezimali kuteleke.
Ngaphakathi kwezibopho ezihleliwe, eziguqukayo
Kepha yiluphi uhlobo lwemali engaguquki abasindisa abakhethayo? Yebo, isifundo siqokomisa ngokusobala ukuthi abatshalizimali baphakamisa isisindo samabhondi aguqukayo esikhundleni sezimali. Yini abayizuzayo ngalezi zinhlobo zamasu? Yebo, kulula kakhulu njengoba zisesimweni esingcono se- iqhaza emakethe yamasheya ekhuphuka, kepha ngasikhathi sinye bangayilawula kangcono ingozi yokuwa. Kuyindlela yokuvimbela okuphikisana nalokho okungenzeka ezimakethe zezimali kusukela manje kuqhubeke. Lapho okwakhiwa khona amabhondi aguqukayo njengenye yezindlela eziphumelela kakhulu zotshalomali.
Naphezu kwakho konke, lo mbiko ukhombisa nokuthi labaphathi babonakala beqapha kakhulu, yize bengafuni ukuphuthelwa umzuzu omuhle wemakethe yamasheya. Bakhetha ukuvuselela ngawo futhi bavuselele izikhundla zabo zokutshala imali. Ukunikeza ukuqondana okukhulu kunemali engenayo engaguquki, noma ngabe wazi ukuthi izintshisekelo zabo zizobe ziphansi kakhulu kunakuqala. Okwamanje, imisebenzi ozoyenza kusukela manje kuqhubeke ingagxila kweminye imikhiqizo yalezi zici. Ngabe ufuna ukwazi ukuthi iziphi ezinye zeziphakamiso ezisikisela kakhulu okwamanje?
Ikhwalithi ephezulu yezibopho zikazwelonke
Enye yezindlela ezinye izimakethe ezibalulekile zezezimali ezikugcinele zona ngamabhondi asekelwa iminotho ephephe kakhulu emhlabeni. Ngalo mqondo, enye yezinketho ezihamba phambili izomelwa yizibopho ze IJalimane ne-United States. Njengoba kubonwe kulezi zinsuku, zisethwe njengezindawo zokuphepha lapho kunezikhathi ezinzima kakhulu zezimali. Akumangalisi ukuthi ukugeleza kwemali kugijimela kulezi zimpahla zezezimali ezimangalisayo ekufuneni ukuphepha okukhulu. Lapho kubekwa khona izikhundla zokuthenga ngokubaluleka okukhulu kubathengisi. Ngethuba lokubuyekeza okungaphezu kokubalulekile nokuthi kubalulekile ukusho.
Lezi zinhlobo zamabhondi zilondoloza imali yakho kusuka ukunyakaza okungahambi kahle kwemakethe yamasheya. Lapho kunokuningi kufanele uzuze kunokulahlekelwa. Yebo, ngesinye sezilinganiso lapho inhlokodolobha yabatshalizimali abaningi iqondiswe khona. Ikakhulu, labo abanephrofayili elondolozayo noma evikelayo futhi abafisa ukubaleka ezingcupheni ezikhona njengamanje ezingeni lamazwe ngamazwe. Kunoma ikuphi, lo mbiko owenziwe yiNatixis Global Asset Management uveza ukuthi kube nokwenyuka okukhulu ekutshalweni kwemali ezikweletini ezisakhulayo zemakethe kanye nakumasu wokuthola imali angashintshi. Ngokuvela kwesidingo esikhulu semikhiqizo ehlangabezana nalezi zici ezikhethekile.
Enye inketho: amabhondi ezinkampani
Vele, elinye lamasu okutshala imali empeleni lidlula kule mikhiqizo yezezimali. Ngoba amabhondi ezinkampani angaba nenzuzo enkulu uma isimo sezinkampani siyanelisa ikakhulukazi. Ukufika ezingeni lokuthi ingathuthukisa ukusebenza okujwayelekile kwemikhiqizo engenayo engaguquki. Yize kunjalo bathwala izingozi eziningi ekuqashweni kwabo. Kuzofanele uhlole ubuhle nobubi bokwenza kwayo ngokusemthethweni ukuze wazi ukuthi kukufanele ngempela yini noma cha ukungakufaki kuphothifoliyo yakho yokutshala imali kusukela manje kuqhubeke. Ngoba ingakhiqiza ifayela le- inzalo emaphakathi yonyaka icishe ibe ngu-6%.
Izibopho zebhizinisi, ngakolunye uhlangothi, ziyindlela yokusondela ekubuyisweni kwamasheya, kepha kusuka kuzikhundla ezilondolozayo. Noma kunjalo hhayi ngaphandle kwengozi ngoba ngalezi zinhlobo zokutshala imali futhi ungalahlekelwa yimali. Njengokwenzekayo lapho uthenga futhi uthengisa amasheya emakethe yamasheya. Ikakhulukazi uma isimo sezinkampani singesiso esizedlula zonke salabo abafiselekela izintshisekelo zebhizinisi lakho. Kunoma ikuphi, inikwe amandla njengenye indlela ehlukile ekubeni semholweni ongaguquguquki. Ngokusebenzisa eminye yemikhiqizo engaziwa kakhulu yabatshalizimali abancane nabaphakathi.
I-euro engcono kunezinye izimali
Okunye okuvezwa yilo mbiko wokutshalwa kwezimali ukuthi kunezinye izindawo ezibucayi ezivulekele izikhundla kunezinye. Ukusuka kulezi zikhundla, kuyacaca ukuthi izikhundla nge ukubusa kwendawo ye-euro bashaye, ngokwesilinganiso, amaphothifoliyo omhlaba. Yebo, lo mkhuba ongachazwa ngokubuyekezwa kwe-euro kwezinye izimali ezinkulu. Phakathi kwazo kufakwe idola laseMelika. Kodwa-ke, lapho usebenza nezimali ungagijimela ekuguquguqukeni okukhulu kuzintengo zabo. Ukuze uthole inzuzo eningi ekusebenzeni isikhathi esifushane. Ngisho nasezindleleni ezinolaka ezenziwa ngesikhathi esifanayo sokuhweba.
Izimali ezixhumene nezimali
Kunoma ikuphi, kuhlale kukhona isisetshenziswa semposiso exhunywe kumholo oguqukayo. Ngale ndlela, wena uqinisekisa inzalo emisiwe futhi eqinisekisiwe minyaka yonke. Mncane kakhulu kepha lokho kuzokusiza ukuthi ugcine ukwenama kwe-akhawunti yakho yokuhlola. Kepha ngaphezu kwalokho, ungathuthukisa lawa ma-margins uma kuhlangatshezwana nochungechunge lwezimo kuzilinganiso zamasheya akhethiwe. Kufika ku-5% nangaphezulu kokulinganisela kwakho kokuqala. Kodwa-ke, yisimo esingagcwaliseki kuzo zonke izimo. Ngokuphambene nalokho, ngoba kungathatha okuningi ukufinyelela lezi zinhloso.
Lezi zinhlobo zamadiphozithi ziyisixazululo kubantu abangafuni ukuvezwa ngqo ezingozini ezenziwa yimisebenzi yokulingana. Banosuku lokuphelelwa isikhathi okufanele uhlangane ngalo kuzo zonke izimo. Ngoba uma kungenjalo, awunakukhetha ngaphandle kokuthatha amakhomishini abanzi kakhulu. Ngokusemandleni abo sondela ku-2% nokuthi kuzonciphisa ukuncintisana kwezintshisekelo ezikhiqizwe kulo mkhiqizo wezezimali. Ngezikhathi zokuhlala ezinde kunalezo ezinikwe amandla okwenziwa okuvamile. Bahamba phakathi kwezinyanga ezingama-24 nezingama-48 lapho kufanele ukuthi imali oyongiwe ingasebenzi.
Ukutshalwa kwemali okuhlukahlukene
Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi ungahlala uhlanganisa imali engenayo engaguquki nemali engenayo eguquguqukayo. Ukuze ngale ndlela, ukwazi ukugcina okungcono kakhulu futhi okubi kakhulu kumamodeli womabili wokutshala imali. Omunye wemikhiqizo yezezimali emele kahle lo mkhuba yilezi izimali zokutshala izimali. Ngamafomethi ahlanganisiwe akha iphothifoliyo yakho nalezi zimpahla zezimali. Enye yezinhloso zaleli su ukonga ukonga kokunye ukucatshangelwa. Ukuze ngaphezu kwakho konke usesimweni esihle kakhulu ukuvikela izintshisekelo zakho njengomtshali-zimali omncane naphakathi. Akumangalisi ukuthi ingenye yezinjongo ekulungisweni kwayo yizinkampani zabaphathi.
Ukusuka kule ndlela ejwayelekile, ukonga okwehlukahlukene kuzokunikeza izinzuzo eziningi kumasu ozowasebenzisa kusukela manje kuqhubeke. Ngoba kuyindlela ezokusiza ukuthi ulale ngokuthula kakhulu kunakuqala. Awukwazi ukukhohlwa ukuthi izingqinamba ngeke zivezwe ngokungathi uvezwe ngqo kwizimali. Isici esibaluleke kakhulu ezikhathini ezinzima kakhulu ezimakethe zezezimali. Njengoba ukwazi nokukhiqiza imbuyiselo eyamukelekayo ngokusho kwezimo ezikhona kuhlelo lwamanje lomnotho.