Ukwakha iphothifoliyo yokutshala imali ephephile futhi elinganiselayo kulo nyaka okhona, kuzofanele ukhethe kakhulu kunamanje. Izimakethe zezezimali ziba ziningi engazinzile ngokwengeziwe kunalokho okungafiseleka futhi ngenxa yalesi sizathu kufanele uqaphele kakhulu ekuzivocavoca umzimba kwangaphambilini. Sibhekene nonyaka lapho kuvela ukungabaza ngokuthi ngabe sibhekene nokulungiswa noma okuthile okukhulu kakhulu ezimakethe. Kufike ezingeni lokubheka ukuthi amathuba okutshalwa kwezimali akuphi.
Kunezinye izindlela eziningi ezingathuthukisa isimilo esingcono ezimakethe zezezimali ngakho-ke zenze inzalo ekhangayo kusuka manje. Lezi ziphakamiso ngeke zivele kuphela ezimakethe zezimali, kodwa futhi nasenzalweni engaguquki ngisho nakumamodeli ahlukile. Ngenhloso yokugcina futhi lokho akuyona enye ngaphandle thuthukisa ama-akhawunti akho uma kuphela unyaka ngoDisemba. Hhayi ngaphandle kwezinkinga eziningi ezizovela endleleni.
Ngakolunye uhlangothi, kube nokulungiswa okweqile ekulinganisweni, ngemuva kwemiphumela yempi yezohwebo phakathi I-United States neChina, futhi le nto ingaba ithuba langempela lebhizinisi. Ikakhulu, ngokunikela ngamanani entengo anokuncintisana kakhulu kunezinyanga ezimbalwa ezedlule. Yisimo ongasisebenzisa ngokunenzuzo kusukela manje, yize kunjalo ngeke sikhululwe emizamweni yokufeza izinhloso ezifunwayo kucebo lakho lokutshala imali. Ngaphandle kochungechunge lokucatshangelwa kwezobuchwepheshe kumafa wezezimali.
Amabhondi aphezulu kakhulu wokuKhiqiza
Lo mkhiqizo wezezimali uyintandokazi ye- ngibhekane nalo nyaka onzima nokuthi ube namathemba amahle kakhulu alo msebenzi oqhubekayo. Ngoba inikela ngamathuba amahle kakhulu emkhakheni okhula ngamanani amahle nalapho amazinga okuzenzakalelayo ephansi. Ngaphezu kwezinye izingxenye zemali engenayo engashintshi ebhubha imile kakhulu emathubeni abo okwenza ukubuyiselwa kulondolozwe akwanelisi kangako ngezintshisekelo zabatshalizimali abancane nabaphakathi.
Esinye sezizathu zokukhetha le ndlela yokutshala imali isuselwa entweni ebaluleke njengokungahlangani kwayo nokukhuphuka kwamanani. Ubhekene nesimo esizayo sokwenyuka kwendawo ye-euro, njengoba kukhonjisiwe yizibikezelo ze- I-European Central Bank (ECB). Ngalo mqondo, kuyinto efiselekayo ukuthi sihlaziye kahle ukuthi ngubani okhipha lo mkhiqizo wezezimali ukufaka izikhundla ezihamba phambili kuma-bond. Ngoba kunezinketho eziningi okufanele sizenze inzuzo enkulu kusukela manje kuqhubeke.
I-European stock exchange inketho engcono kakhulu
Ngaphakathi kwamasheya, isisombululo esihle kunazo zonke sincike ekuthatheni izikhundla emalini ezwenikazi elidala. Ngesizathu okulula ukusichaza nokuthi ingxenye enhle yabatshalizimali abancane nabaphakathi bayoqonda futhi lokho kufingqiwe ngokuthi yimakethe yezimali enokubaluleka okukhanga kakhulu okwamanje. Ngaphezu kwalokho, ayikaze ibe ne- I-rally ye-bullish ishubile njengaleyo eyenziwe emakethe yamasheya yase-United States. Kepha okuphambene nalokho, kukhombise ukuvela kokungabaza okukhulu eminyakeni emibili edlule. Kuze kube seqophelweni lokuvala unyaka wezimali wezi-2018 ngendlela engemihle, ngokwehla kwenani okusondele ku-10%.
Ngakolunye uhlangothi, esinye isizathu sokuya kulo makethe obalulekile wezezimali silele ekutheni isenendawo eningi engayibeka futhi ngoba ngeke ikhohlakale ukuthi yimakethe lapho amathuba angcono angatholakala khona okwamanje. Ngamanani anezintengo ezilungiswe kakhulu futhi lokho kubenza bahehe kakhulu ukwenza ngokusemthethweni ukuthenga okukhethiwe, ikakhulu kuhloswe esikhathini esimaphakathi neside. Akumangalisi ukuthi banethuba lokubuyekeza eliphakeme kakhulu, ngamathuba ebhizinisi langempela.
Ngaphakathi emakethe yamasheya, umkhakha webhange
Ngaphakathi kwezimali zaseYurophu, omunye wemikhakha ekhanga kakhulu ngokungangabazeki umkhakha wamabhange. Ikakhulukazi ngoba yehle kakhulu ngamandla ngonyaka odlule. Akunakulibaleka ukuthi lo mkhakha wemakethe yamasheya uvela kwesinye sezimo ezimbi kakhulu futhi ngalomqondo kunzima kakhulu ukuba ushube kakhulu ngo-2019. Ngakolunye uhlangothi, kuyadingeka futhi ukuhlola kulolu khetho ukuthi amabhange axhumene nephothifoliyo yemalimboleko ngamazinga wenzalo eguquguqukayo azoba ngabazuzi kakhulu ekwakhekeni kwamanani abo. Ngale kokunye ukucatshangelwa kwezobuchwepheshe.
Ngakolunye uhlangothi, futhi ngokusho kwabahlaziyi bezezimali, kungumkhakha obalulekile ohlanganiswayo, zombili izinhlangano zikazwelonke kanye nemvelo yaseYurophu. Ngezinga abakhombisa ngalo izilinganiso eziyela ngasocansini kakhulu, kakhulu ukwamukela ukuthuthukisa ukuthenga ezinyangeni ezizayo. Kwezinye izimo, ngenani elingaphansi kwamanani abo wangempela. Ngayo inzuzo ebalulekile ingatholakala ekusebenzeni okwenziwe kusukela manje kuqhubeke.
Izinkampani ezinamashidi wokulinganisela okunempilo
Elinye lamasu angathathwa kule nkambo entsha yemakethe yamasheya ukuya kulawo manani esitoko aletha amashidi ebhalansi anempilo kakhulu. Hhayi ngeze, yibo ibekwe kahle ukuthuthukisa uptrend onamandla. Noma okungenani njengohlelo lokuqala lokuvikela imali yethu etshalwe ezimakethe zezimali. Ngenye yezinqumo ezingcono kakhulu ongaba nazo kulo nyaka, futhi okungezwe kukho ukuthi bethula amanani entengo ahlelwe kakhulu. Ngalokho abangaba nakho ngokuziphendukela kwemvelo okunengqondo emakethe yamasheya futhi kunoma yikuphi okungcono kunalokho abakuthuthukisile ngonyaka odlule.
Ngakolunye uhlangothi, lesi sigaba sezokuphepha sizoba yinto ethakazeliswa yingxenye enkulu yezimali zokutshala izimali ukwenza izikhundla zabo zokutshala imali. Futhi leli qiniso lenkampani lizodlalela izintshisekelo zabatshalizimali abancane nabaphakathi asebevele babekiwe kulezi zimpahla zezimali. Ngethuba lokuthi bangathola ifayela le- inzuzo yonyaka ezungeze amadijithi aphindwe kabili. Kungaba ngesinye sezimanga ezinkulu ukuthi kulo nyaka kusanda kuvela. Kunoma ikuphi, kungenye indlela okungafanele ilahleke ekulungiseleleni iphothifoliyo yakho elandelayo yokutshala imali.
Hlukanisa izimpahla zezimali
Esinye isihluthulelo sokubhekana nalolu hlelo olusha lwemakethe yamasheya olunempumelelo ebonakalayo lususelwa ekuhlukaniseni izimali. Lokho okungukuthi, hlanganisa imali engenayo engaguquki nemali engenayo eguquguqukayo njengefomula ye- vikela imali yakho lapho ubhekene nanoma yisiphi isimo sokungazinzi ezimakethe zezimali. Kunoma ikuphi, kuyisu elibhekiswe kubatshalizimali abanephrofayili elondolozayo noma evikelayo ababeka phambili ukuphepha kokulondolozwa kwabo ngaphezu kokunye ukucatshangelwa kwezimakethe. Ngaphezu kwalokho, kuwumqondo olula kakhulu ukuwenza kusukela manje kuqhubeke.
It is materialized ngaphezu kwakho konke ngokusebenzisa izimali investimenti eyaziwa ngokuthi okuxubile noma Lesisemkhatsini. Lapho izimpahla ezehlukene zezezimali zihlanganisiwe ukufezekisa inzuzo ephelele yokonga, noma kunjalo ngaphandle kwembuyiselo ephezulu kakhulu. Ngakolunye uhlangothi, lo mkhiqizo wokutshalwa kwemali wenziwa ezindaweni eziningi ngokwendawo, ngaphandle kwemikhawulo maqondana nempahla yezezimali lapho izovula khona izikhundla. Ngale ndlela, utshalomali luyehlukene kakhulu ngakho-ke lungaguqulwa kuzo zonke izimo ezivela ezimakethe zezezimali, zombili ngenzuzo engaguquki neguqukayo. Ngaphandle kokukhishwa kwanoma yiluphi uhlobo.
Amanani we-anti cyclical
Ngenye yamasu aphephe futhi asebenza kakhulu uma izimakethe zamasheya zingaziphathi kahle kulo nyaka. Ngoba impela, akuncikile emjikelezweni wezomnotho futhi maningi amathuba okuthi benze kangcono uma izimo zemakethe yezezimali zimbi kakhulu. Ngakho-ke, abayilandeli inkambiso echaziwe, kepha kunalokho baholwa imiphumela yabo yebhizinisi. Zimele imikhakha efanelekile yemakethe yamasheya njengokudla, izinkampani zikagesi noma imigwaqo emikhulu, phakathi kwezinye zazo.
Ekugcineni, kufanele kuqashelwe ukuthi lolu hlobo lwamagugu lungenza kahle kakhulu kulo nyaka, noma ngaphandle kokulindela ukunyakaza okunodlame kakhulu kolunye uhlangothi noma kolunye. Ngoba i- ukuguquguquka akuyona enye yezinhlaka zayo ezifanele kakhulu ezifanele. Ngaphandle kolunye uchungechunge lokucatshangelwa kwezobuchwepheshe futhi kusukela ekubukeni kwezisekelo zayo. Kunoma ikuphi, kungamagugu okufanele agcinwe eqaphile ku-radar ukuze athathe izikhundla ngasikhathi esithile kulo nyaka omusha wokuhweba. Ikakhulu, labo abasalele emuva ekuguqukeni kwamanani abo.
Kuyisu okufanele libe yingxenye yokubuyekezwa okulandelayo okwenzayo kwephothifoliyo yakho yokutshala imali ukuze ulondoloze izikhundla zakho ezimakethe zezimali. Yize kungokhetho lokuthola inzuzo engaba nentshisekelo enkulu ukuvikela izintshisekelo zakho kusuka lapha kuze kube sekupheleni konyaka. Ngaphezu kwalokho, eziningi zalezi ziphakamiso zihambisa izinzuzo kubaninimasheya, ngenzalo engaguquki eqinisekisiwe efinyelela ku-6%.