Ngemuva kokubuya ezinsukwini ezimbalwa zokuphumula zeholide sekuyisikhathi sokuqala kabusha inqubo yansuku zonke. Futhi kungenzeka kanjani ube mncane, omunye wale misebenzi empeleni uhilela ukwakha isu lokutshala imali elikuvumela imali yokonga kusuka manje. Okokuqala, ukubhekana naleli kota yokugcina esele kuze kube sekupheleni konyaka ngakolunye uhlangothi, ukuklama ukuthi ubudlelwano nezwe lemali buzoba kanjani ngonyaka wezimali olandelayo. Kulezi zinsuku lapho kufanele ukhethe ukuthi uzoyigcina kuphi imali yakho.
Vele, ukubuya eholidini ngeke kube lula kakhulu kuwe ukusebenzisa imibono yokutshala imali. Hhayi ngeze, i ukungazinzi kwezepolitiki kuzoba ngesinye sezindlela ezijwayelekile ezijwayelekile ezizocacisa izimakethe zezimali ezwenikazi elidala. Ngaphezu kwalokho, akukwazi ukukhohlwa ukuthi ukukhuphuka kwamanani wenzalo endaweni ye-euro kusondele kakhulu futhi-ke ukuthi lokhu kuzolungisa ukuvela kwemakethe yamasheya ezinyangeni ezizayo.
Esinye isici okufanele usicabangele kusukela kulo mzuzu kuqhubeke ukuthi iyabuya olunikezwe izimakethe zamasheya eminyakeni edlule. Kukuphi okufanele nqoba ukuphepha ngaphezu kokunye ukucatshangelwa kwezobuchwepheshe ngisho nangombono oyisisekelo. Ngoba empeleni, manje lapho ubuya eholidini, kuzofanele ugxile kutshalomali oluvela kwezinye izindlela ezihluke kakhulu. Okuthile okuzodingeka uzibuze kusuka kulezi zikhathi eziqondile.
Ukubuyela emuva eholidini: uzotshala kuphi?
Indlela yakho yokuqala manje kuzoba ukukhetha ukuthi yimaphi amafa wezezimali ongabeka kuwo inhlokodolobha yakho. Lezi zimpahla zingahluka kulezo ezikhethwe kuze kube manje. Ngeke uze ube nokukhetha ngaphandle kokushintsha iphothifoliyo yokutshala imali ukuze uthuthukise imbuyiselo ongayithola ngamasu amasha. Akumangalisi ukuthi, akunakuphikwa ukuthi sisondele kakhulu ku-a ukuguquka kwesimo ezimakethe zezimali, ukusuka ku-bullish kuya ku-bearish. Njengoba kukhonjisiwe emasontweni edlule lapho izinkomba zomhlaba wonke zikhombisa ukukhathala okuthile ezikhundleni zazo.
Kulesi simo, ngeke kube ngumqondo omubi ukuthi uvikele ingxenye yenhlokodolobha yakho kufayela le- idiphozi yesikhathi esinqunyiwe. Ukusizakala ngokukhuphuka kwamazinga wenzalo lo mkhiqizo webhange onawo njengamanje. Lapho sekuvele kwenzeka kakhulu ukudlula amazinga we-1% futhi ngokulindelwe okungcono njengomphumela wokunyuka kwamazinga okungenzeka eYurophu njengangonyaka olandelayo. Ngokokuqala ngqa eminyakeni eminingi, ama-term deposits abuye athande abasindisi abancane nabaphakathi. Okuthile okwakwenzekile iminyaka eminingi, eyeqile.
Imakethe yamasheya: ukukhetha amasheya azivikelayo
Ngaphakathi kwamasheya, enye indlela engcono kakhulu izokwakhiwa yimasheya okuvikela emakethe yamasheya. Lelisu lizokuvumela ukuvikeleka okukhulu ezimeni ezingezinhle kakhulu ezimakethe zezezimali. Ngalo mqondo, ukukhetha kungavela emikhakheni ebaluleke njenge ugesi noma amandla. Ngoba empeleni, bazokwenza kangcono ezimeni ezingezinhle ezimakethe zamasheya zomhlaba wonke. Yize kunjalo, ngeke kube yibo abanikeza inzuzo enhle kakhulu ezikhathini ezibanzi zezimakethe zezezimali. Ngaphezu kwalokho, eziningi zalezi zinkampani ezibalwe zinemikhiqizo ekhangayo yemihlomulo. Ezimweni eziningi, amamajini aphansi angaphezu kwe-5%.
Ngakolunye uhlangothi, ukuphepha okuvikelayo emakethe yamasheya kuyindlela efaneleke kakhulu yokwenza ukutshala izimali ngqo esikhathini esimaphakathi neside. Ungalokothi ku-izikhindi ngoba zingamanani abonakala ngokuyisisekelo ngoba azinzile kakhulu enanini lawo. Ngaphezulu kwaleyo ekhiqizwe kweminye imikhakha ebaluleke kakhulu futhi enesidingo esikhulu nesidingo ekushintsheni kwezihloko zabo cishe kuzo zonke izikhathi zokuhweba. Kuhle kakhulu ukuthi iphothifoliyo yakho oyitshalile inale hlobo lokuphepha uma ubuya eholidini lakho ukukunikeza ukuphepha okukhulu ezikhundleni zakho emakethe yamasheya. Kungaba kuzwelonke noma ngaphandle kwemingcele yethu.
Hlanganisa izimpahla zezimali
Akungabazeki ukuthi leli su lokutshala imali kufanele libekwe eqhulwini kusukela ngoMandulo. Phakathi kwezinye izizathu, ngoba et kuzosiza hlukanisa imali ukuthi uzotshala imali kusuka manje kuqhubeke. Omunye wemikhiqizo yezezimali lapho lo mkhuba uvela kahle kakhulu ngezimali zokutshala imali. Ngoba ungahlanganisa ngisho nemali engenayo engaguquguquki nemali engenayo eguquguqukayo evela kuma-engeli ahlukile noma ama-premium ngokuya ngefa lezezimali ofuna ukuthi isikhwama sokutshala imali esixutshiwe sisekelwe kuso. Ngaphezu kwalokho, awukwazi ukukhohlwa ukuthi ngumkhiqizo wezezimali ocacile okhuphukayo. Okusho ukuthi, ngokuzimisela okukhulu ohlangothini lwabatshalizimali abancane nabaphakathi.
Kwesinye isinyathelo ngaphakathi kwezikhundla zokutshala imali, kubaluleke kakhulu ukuthi lezi zimali zokutshala imali zibe ivikelwe ngohlobo lwemali. Akumangalisi ukuthi kuzoba esinye sezikhiye ezifanele kakhulu ukuthuthukisa amazinga enzuzo yale mikhiqizo yezezimali. Kungaba ngokubeka izikhundla zakho kwi-euro noma kudola laseMelika, kuya ngokuthi bathengisa kanjani ngaso sonke isikhathi. Ingxenye enhle yezinkampani zokuphatha ikhetha lezi zindlela zokutshala imali njengefomula yokwenza ukonga kube nenzuzo ngeziqinisekiso ezinkulu zempumelelo kunamanje.
Sebenzisa ngokunenzuzo ukubuya kukawoyela
Njengendlela ehlukile ngalesi sikhathi akufanele ukhohlwe ngegolide elimnyama. Ukufika ezingeni lokuthi kungaba ngolunye lwezimali ezinenzuzo kakhulu kule minyaka embalwa ezayo. Lapho izibikezelo ezisemthethweni ziphakamisa ukuthi intengo kawoyela kungenzeka kusondela amazinga ka- $ 90 emgqonyeni. Ngakho-ke, le mpahla yezezimali izoba namandla okubuyekezwa ngaphezulu kuka-10%. Kuphezulu kunalokho okunikezwa ezinye iziphakamiso onazo emhlabeni wokutshala imali. Ngale ndlela, kunama-euro amaningi ongawathola, yize uthatha izingozi eziningi kunezinye izindlela zokutshala imali.
Ukutshala imali ngegolide elimnyama, enye yezinketho eziqondile onazo ukuthenga amasheya okuphepha kukawoyela abhalwe ohlwini lwezimpawu ezibaluleke kakhulu emakethe yamasheya emhlabeni. Ngokuqondene nokulingana kweSpain, kukhawulelwe kuphela ezikhundleni ezikulo I-Repsol nokuthi kube ngesinye sezitoko ezinenzuzo enkulu engxenyeni yesibili yonyaka odlule. Noma kunjalo, unamathuba amaningi ezimakethe zamasheya zase-United States, eNgilandi naseHolland encane. Ungaya futhi kule mpahla yezezimali kusuka ezikhwameni zotshalo-mali ezisuselwa ezinkampanini zalezi zici.
Izimakethe zamasheya ezikhulayo: ukwazisa okwengeziwe
Esinye seziphakamiso ezisikisela okuphambi kwakho yileso esivela ezimakethe ezivelayo zezezimali. Kepha hhayi noma ngubani, ngoba izingozi ezilethwe yilezi zimakethe zingaphezu kokumangazayo. Lapho ungashiya khona ama-euro amaningi endleleni, njengoba kwenzekile eminyakeni eyedlule. Kungakho ukukhethwa kwalezi zimakethe zamasheya kumele kunqunywe ngaphansi kwezokuphepha okukhulu ukuze ungabi nezinye izinto ezimangazayo kusukela manje kuqhubeke. Ngokwalo mbono, kuyizikhwama ze- China nasezingeni elincane iRussia labo abethula amathuba amahle kakhulu ebhizinisi okwamanje.
Lezi zimakethe zezezimali yizo ezithola inzuzo enhle kakhulu futhi kunoma yikuphi okunye okungaphezu kokuhwebelana kwendabuko noma lezo ezaziwa kakhulu ngabatshalizimali abathengisa. Akumangalisi ukuthi banikela nge- amandla aphezulu kuthakazelisa kakhulu, noma ngabe ukuvela kwabo kuvuma akukho kungabaza ngokuthi bangaphula konke okulindelwe ukukhula. Ngamamajini angaheha kakhulu futhi angatholakali kuzo zonke izimakethe nemikhiqizo yezezimali. Kuze kube seqophelweni lokuba ube enye yezindlela ongakhetha kuzona oyitshalile.
Izinyathelo zokuqapha ekuthatheni izikhundla
Kodwa-ke, futhi ngokuba utshalomali oluyingozi, akufanele utshale ingxenye ebaluleke kakhulu yenhlokodolobha yakho etholakalayo. Uma kungenjalo, noma yini ingxenye encane kuzoba ngaphezulu kakhulu ngokwanele ukuhlangabezana nokulindela utshalomali lwakho. Ngale ndlela, uzobe unikeza ukuvikeleka okukhulu eminikelweni yakho yezezimali uma kwenzeka lezo zikhundla zingaguquki ngendlela oyifunayo. Akumangalisi ukuthi ukungazethembi ngokweqile kungenye yezindlela ezivame kakhulu kulezi zimakethe ezikhetheke kakhulu zezezimali, ngokuguquguquka kweseshini efanayo yokuhweba efinyelela ku-5% futhi okukhulu kakhulu.
Ngakolunye uhlangothi, ziyizimakethe ezixhumene kakhulu nezimpahla ezithile zezezimali, njengoyela. Futhi lokho kuya ngokuthi iyasebenza yini, ngeke kube nezinkinga ezeqile ukufinyelela emazingeni aphezulu ekuvumelaneni kwamanani ayo. Ngokwalokhu kubuka, amanani abo awazinzile ngokwengeziwe futhi kuzoba nzima kakhulu ukuthola ukuthi ushintsho lwethrendi lwenzeka kuphi, kolunye uhlangothi noma kolunye. Ngaphandle kwezinye izinhlobo zokucatshangelwa kwezobuchwepheshe.