Iphrimiyamu yokunisela ithinta kanjani ukutshalwa kwemali?

kuqala

Njengoba umehluko uphakeme, kuzothinta ukwehla kwemali engenayo engaguquki kwazise izimakethe zamasheya zithambekele kakhulu ekuweni okuwa kakhulu. Ngalo mqondo, umehluko webhondi yaseSpain maqondana nenqwaba yaseJalimane njengamanje amaphuzu angama-76, okuyisici esivuna utshalomali emakethe yamasheya kazwelonke. Futhi kuyinto esebenze kakhulu ngenxa yokungazinzi okwenzekile emazweni anesisindo esithile ngaphakathi kwe-European Union, njengasesimweni esithile I-Italy neSpain uqobo.   

Iphrimiyamu yengozi ingenye yalezo zinto eziguquguqukayo kwezomnotho wonke umuntu akhuluma ngazo futhi bambalwa abakuqondayo. Kunoma ikuphi, ilandelwa kabanzi ngabatshalizimali ngoba ibanikeza umkhondo ongajwayelekile mayelana nezinhloso zezimakethe zezimali. Akumangalisi ukuthi kumayelana nembuyiselo eyengeziwe enikezwa yimali ngokuya ngezinga lengcuphe okufanele bayicabange. Okwamanje, iphrimiyamu yengozi yaseSpain isemazingeni amaphuzu ayisisekelo angama-76. Kepha sisho ukuthini ngempela lesi sicaphuno? Yebo, kukhombisa umkhawulo wenzuzo phakathi kwezikweletu zaseSpain nezaseJalimane. Impela iphuzu lokubhekisisa ileli laseJalimane ngoba yilona elinikeza ukuphepha okwengeziwe kubatshalizimali ngakho-ke lisebenza njengesibonelo kwamanye amazwe ezwekazi laseYurophu.

Ngale ndlela, ngenkathi isibopho saseJalimane (Bund) kuya eminyakeni eyi-10 okwamanje ekhokhayo inzalo esondele ku-0,520%, abaseSpain bakwenza ngo-1,281%, futhi umehluko ovele kulo msebenzi uzonikeza amaphuzu ayisisekelo angama-76 lapho i-premium yaseSpain okwamanje itholakala cishe. Iphrimiyamu yengozi ibaluleke kakhulu kunalokho ongakucabanga ekuqaleni. Akuyona i-thermometer kuphela yokwenza isu lokutshala imali kumali engaguquki, kepha futhi nokuvula noma ukuvala izikhundla ezimakethe zamasheya. Kunoma ikuphi, kuzoncika ezingeni elimakwe yilezi zikhundla.

Umthelela emakethe yamasheya

i-bolsa

Umphumela wokuqala ozoba nawo ekutshalweni kwemali uzovela ezikhundleni ezimakethe zamasheya. Yize i-premium yengozi ingahlobene kakhulu nale makethe, izehlakalo zayo zingaphezu kokumangazayo. Ngesizathu esilula kakhulu sokuba abatshalizimali abancane nabaphakathi baqonde. Nini ukuqina umehluko (njengoba kwenzeka manje eSpain) kuzoba uphawu olucacile lokuthi kunokuthembela emnothweni wezwe. Futhi le mizwa yemakethe idluliselwa ngokushesha emakethe yamasheya, ngokwanda okusakazekile kuyo. Njengokungathi ukusabalala kuyanda, kukhiqiza umphumela ohlukile futhi kuhlala kukubi kakhulu kulo makethe.

Ngokuvamile wonke amazwe anokungafani ngenhla kwamaphoyinti angama-250 nama-300 banezinkinga ezinkulu kakhulu kuma-stock indices. Ngokucindezela okuqinile kokuthengisa ngenxa yokungazethembi izimakethe zezezimali ngenxa yobuthakathaka bezomnotho wabo. Ngaphandle kokubuyela emuva okungaphezulu noma okuncane okuzosiza ekuhlehliseni izikhundla ngezikhathi ezinzima kakhulu zezimali. Kepha kunoma yikuphi, kunesici esichaza ngokusobala nokuthi lokho njengoba lokhu kwehluka kubanzi kuzoba nomthelela omubi ezimakethe zezimali.

Umthelela kumali engenayo engaguquki

Ngakolunye uhlangothi, umthelela wayo kumholo ongaguquki ubonakala kakhulu. Lesi sizathu singenxa yokuthi uma imali ekhokhelwa ubungozi yehlisiwe, idala ukuzethemba okukhulu kubatshalizimali ngenani lesikweletu somphakathi. Ngenkathi usesimweni esiphambene, i-premium iyakhuphuka, intengo yesibambiso iwela ngentengo. Okusho ukuthi, inzalo ethe xaxa iyakhokhwa. Lesi simo sithinta ingxenye enhle yezimali zokutshala imali ezihleliwe ngisho nakumamodeli ahlanganisiwe asuselwe kulezi zimpahla zezimali. Kuze kube sezingeni lokuthi ezinsukwini ezimbalwa kakhulu balahlekelwa yingxenye ebaluleke kakhulu yenani labo. Kungumzuzu impela lapho kuzodingeka ukushintshanisa iphothifoliyo yezimali ukuvimbela ukulahleka ekufakweni esitatimendeni semali engenayo sabahlanganyeli kule mikhiqizo yezezimali.

Esinye isici okufanele sihlolwe kuphrimiyamu yengozi iqiniso lokuthi amabhange anquma ukukhulisa imali inzalo yemali mboleko nanoma yimuphi umugqa wesikweletu. Ngenkathi imikhiqizo eyinhloko eyenzelwe ukonga (imali yesikhathi, amanothi ezethembiso zasebhange noma ama-akhawunti akhiqiza kakhulu) ingacwiliswa kumanani wenzalo angancintisani kakhulu kuze kube yileso sikhathi. Njengoba nje iphoqa ohulumeni ukuthi bakhuphule intela yabo ngenxa yezinkinga ezinkulu ezithi izifundazwe kufanele zizikhokhele. Omunye wemiphumela yalezi zenzo ukuthi abasebenzisi bazoba namandla amancane wokonga ukubhekana nokutshalwa kwemali kwabo.

Ungazivikela kanjani izimali?

izimali

Ngaphakathi kwalesi simo sezomnotho, ukwehlukahlukana emakethe yamasheya kuvumela ukulahlekelwa ukuba kuncishiswe ezimweni ezingezinhle neze ezimakethe zezimali. Ngaphandle kokungabaza, enye yezinjongo ezinkulu zanoma yimuphi umtshalizimali, ngaphezu kwalokho zisebenzise kahle izimpahla zakho, bavikele izikhundla zabo ezimweni ezingenzeka ezimakethe zezimali.

Kubalulekile ukukhiqiza inzuzo emakethe yamasheya njengoba kunjalo nokwenza imali eyitshaliwe iphephe. Ekutshalweni kwemali kwizimali akukho ukusebenza kwanoma yiluphi uhlobo okuqinisekisiwe, ngisho nokulinganiselwe kakhulu. Kepha, kunalokho, kuzoncika kulokho izimakethe ezikushoyo. Kunoma ikuphi, ngochungechunge lwamasu okutshala imali, izinhloso zingafinyelelwa.

Ukwehlukana okukhulu kwezezimali

Vele, enye yezindlela zokupheka eziyisisekelo zokunikeza ukuphepha okukhulu ekutshalweni kwemali emakethe yamasheya kusekelwe kokukhulu ukwehluka kuphothifoliyo yezokuphepha. Lokho wukuthi, esikhundleni sokukhetha inkampani eyodwa efakwe kuhlu, isinqumo esihle kakhulu kuzoba ukudala ubhasikidi olinganiselayo wamasheya. Lokhu kusho okuthile okulula njenge ungaphindi imikhakha, imigqa yebhizinisi noma noma ngabe ungafaka ama-indices. Kuzoba isu elisebenza kahle kakhulu ngaphambi kokufika kwezimo ezimbi kakhulu zezimali. Kuze kube seqophelweni lokuthi ukulahlekelwa okukhulu kakhulu emalini kuzogwenywa nokuthi ukulondolozwa kwabasebenzisi kuzobeka engcupheni nganoma yisiphi isikhathi.

Enye inqubo ivela kuwo kanye amathuluzi ahlinzekwa izimakethe. Kulokhu, emelwe ama-oda aqanjwe ukuyeka ukulahlekelwa o umkhawulo wokulahlekelwa. Njengoba igama liphakamisa, bazovimbela ukuwa ekubeni nodlame ngempela. Ngoba kuzoba ngumtshali zimali uqobo ozomisa ukulahleka ngokuya ngephrofayili ayivezayo njengomtshali-zimali omncane nophakathi. Leli isu elisebenziseka kakhulu lokugcina izikhundla zakho zamasheya zilawulwa. Hhayi ize, kuzohlala njalo kungcono ukushiya u-3% kuno-15% kumanani entengo yokuphepha.

Thatha ithuba lokuguquguquka

Isu lesithathu elizonikeza ukungaguquguquki okukhulu ekutshalweni ukusebenzisa ngokunenzuzo amathuluzi ahlinzekwa ukuhlaziywa kwezobuchwepheshe ukuzivikela ekuguquguqukeni kwezimakethe zezimali. Ngalo mqondo, isenzo esihle kunazo zonke esingathathwa ngabatshalizimali sizovela ezikhundleni zokuvula kusuka phezulu. Ubungozi bokwenza iphutha buzoba bukhulu kakhulu futhi buzoba yisikhali esinamandla kakhulu sokuvikela ezimeni ezingafuneki ezithinta imakethe yamasheya. Ngoba i-inertia yezimakethe izolokhu ikhuphuka.

Ngakolunye uhlangothi, uhlelo olungasoze lwehluleka emakethe yamasheya ukuvula izikhundla kwezokuphepha ezephule ukumelana nobukhulu obuthile. Phakathi kwezinye izizathu, ngoba kuzobe kusule indlela yokufinyelela emazingeni entengo aphezulu kunakuqala. Kubonakala kulokho Inzalo yezimakethe ekuthengeni iphakeme kunasekuthengiseni. Kuzona zozimbili lezi zimo, ngeke kube nzima kakhulu ukwenza imisebenzi ibe nenzuzo, okungenani uma ihloselwe isikhathi esifushane ngenxa yezimo zezokuphepha ezidlula kulesi simo. Lapho ngaphandle kokungabaza, isibalo esizuzisa kakhulu ukukhululeka ngoba azisekho izithiyo endleleni. Ukuba nohambo oluphakeme oluphezulu njengoba kungekho mikhawulo yokusetha intengo yalo. Kungezinye zezikhathi lapho umzamo wokwenza izimpahla zenze inzuzo ungaphuthelwa ngoba izingozi zincane.

Thola imikhiqizo eguquguqukayo

nezimo

Okungabalulekanga kangako ukufuna umkhiqizo oguquguqukayo ongazivumelanisa nezimo ezintsha zezimakethe zezimali. Akunandaba ukuthi leli su elikhethekile alinakusetshenziswa ekuthengeni nasekuthengisweni kwamasheya emakethe yamasheya. Yilokho i- izimali zokuphatha ezisebenzayo futhi lokho kuvumela ukuzivumelanisa nanoma yisiphi isimo, kokubili okunamandla nokuhamba phambili. Ngoba abaphathi bafuna izimpahla zezezimali ezihamba phambili, noma ngabe zivela emalini engenayo engaguquki noma kwezinye izinhlobo. Ngenye yezinketho eziphumelela kakhulu zokubhekana nezimo ezingazinzile ezimakethe zezimali.

Ukusetshenziswa kwayo emakethe yamasheya, noma ngabe kunjalo, kuyinkimbinkimbi kakhulu futhi kubandakanya ukukhetha ukuphepha okungamanzi okukuvumela ukuthi ungene futhi uphume ezimakethe ngamanani owathandayo. Ngaphandle kokwesaba ukubanjwa yizo. Okusho ukuthi, ngenani lentengo ekude kakhulu nokuthengiwe.


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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.