Ukuhwebelana kwembulunga yonke komnotho kuholele ekuvulekeni okukhulu kwezimakethe zezimali kubatshalizimali abavela emhlabeni wonke. Azisalinganiselwe ekusebenzeni emikhiqizweni kazwelonke, noma bavinjelwe imingcele yabo, kepha kunalokho bandise amasu abo kwezinye izindawo zomhlaba. Akumangalisi ukuthi bangahlonyiswa ngamathuluzi anamandla okwenza ukonga kwabo kube nenzuzo kunoma iyiphi indawo, ngisho nempahla yezezimali, ngaphandle kwemingcele.
Mhlawumbe ongakwazi ukuthi le nqubo iholela ekuvivinyweni kwezindlela ezintsha zokutshala imali, kuze kube yiminyaka embalwa edlule engacabangi nhlobo, ebonakala ngokuthi okwangempela, futhi kwezinye izimo ngenxa yemvelo yayo entsha. Kepha okubaluleke kakhulu lokho zivulekele noma yisiphi isakhamuzi emhlabeni, ngaphandle kokukhishwa kobuzwe.
Imfuneko kuphela ezoba yilokho Unomcebo, ophakeme noma omncane, wokuphendula ekusebenzeni. Futhi-ke, ulangazelela ukwandisa izimpahla zakho siqu ngalezi ziphakamiso ezihlukile. Vele, uma izimakethe zezezimali zisiza, okungeke kube lula njalo ukwenzeka, njengoba ubona ngokusebenza kwakho.
Kuthulwe njengenye indlela yangempela, lapho okulindelwe ukukhula ezimakethe zendabuko sekuqediwe, noma okungenani kungagculisi. Kepha qaphela kakhulu ngokubamukela, ngoba ngokuphakamisa okwengeziwe ngokwengeziwe kumafomethi abo, maningi amathuba okuthi andise ingozi yokusebenza ngenxa yolwazi oluncane onalo ngazo. Lo mphumela ungaba nomthelela omubi ekutshalweni kwemali okwenziwe kulezi zimpahla zezimali.
Kunoma ikuphi, izwe lonke lamathuba livulekela wena ukwenza ibhizinisi elihle. Kungaba yisikhathi sokuhlola ezinye izindlela ezahlukahlukene ezinikezwa izimakethe zezezimali njengamanje. Ukutshala imali kusho ukubeka imali emsebenzini futhi lapho uya khona kungaba ukuthenga ubucwebe, izimali ezibonakalayo, noma nokuba ngumninimasheya eqenjini lakho lebhola eliyintandokazi. Impela inselelo onayo phambi kwakho.
Ibhola libalwe kuma-equities
Akwanele ukuba ngumlandeli wamaqembu ebhola likanobhutshuzwayo, kepha sekuvulwe ithuba lokutshala imali kulokho, nokwenza umsebenzi ube nenzuzo ngenxa yempumelelo yabo yezemidlalo. Njengamanje izwekazi elidume kakhulu kuleli zwekazi elidala lihlanganiswe ne- I-Stoxx Europe Ibhola. Kuyinkomba yamasheya wokulinganisa okubandakanya amaqembu angama-22 abaluleke kakhulu e-Europe: Roma, Borussia Dortmund, Benfica, Celtic, Tottenham ne-Olimpique Lyonnais ngamanye awo. U-2015 uvaliwe ngokulahlekelwa okusondele ku-1%, yize eminyakeni emithathu edlule amasheya awo ehle kancane ngaphezudlwana, cishe ama-3%.
Ngale ndlela, awusadingi ukuya kubhuki ukuze uzuze ngokunqoba, ukutholwa kwesihloko noma iziqu zakho zemincintiswano emikhulu yamazwe omhlaba. Kusukela ezimakethe zamasheya ungazuza empumelelweni yazo. Futhi lokho kuholela ekusayinweni kwenkanyezi enkulu ebingelelwa ngokubuyekezwa okukhulu ngentengo yayo. Ukudluliswa okungenzeka kukaCristiano Ronaldo eManchester UnitedIsibonelo, kungabamba amasheya akho emazingeni aphezulu.
Amadada amabi ezinsimbi eziyigugu
Izinsimbi ezingaziwa kancane (isiliva, i-platinum, i-palladium ...) sezingomunye wemithombo engacwaningwa kakhulu enikezwa izimakethe kubatshalizimali abanolwazi oluningi, abafisa ukufuna ama-horizons amasha ngokonga kwabo. Ububanzi bezinketho ezinikezwe yile mpahla yezezimali bungezinye zezici zayo, kungagcini kuphela egolide. Ukuthatha izikhundla ngqo kubo kusuka ezimakethe lapho zibhalwe khona. Futhi ezinkampanini eziyingxenye yochungechunge lwayo lokukhiqiza futhi ezikhona ezimakethe ezinkulu zamasheya zomhlaba.
Kodwa-ke, ngokusho kweSilver Institute, ukwehla komnotho waseChina, kanye nokuqiniswa kwedola, kuholele ekutheni ngonyaka ka-2015 intengo yesiliva yehlile. Noma ungafuni ukuthatha izingozi ngokweqile, into ehlakaniphile kunazo zonke ukubhalisela izimali zokutshala imali ezifaka lezi zimpahla kuphothifoliyo yakho, uzihlanganise nezinye kusuka emholweni ongaguquguquki futhi oguquguqukayo.
Ezinye izindlela azipheli lapha, noma ziningi noma ngaphansi, futhi zanele nge thenga i-bullion yalezi zinsimbi ukubheka ububanzi bokunikezwa kwakho. Zibiza kakhulu kuwo wonke amaphrofayili wabatshalizimali, ngoba ukusebenza kwenziwa ngokusemthethweni kusuka kumanani amancane (ngaphansi kwama-euro ayi-1.000 XNUMX), kuya ngamagremu abo.
Tshala imali ewayinini, okuthile okungaphezu kwemfashini
Iwayini akuselona kuphela umphelelisi omuhle kakhulu esidlweni esimnandi sakusihlwa, noma kusihlwa okuthakazelisayo nomlingani wakho. Sekube enye ithuluzi lokuhambisa imali oyilondolozile ngendlela yoqobo. Ukutshala imali ezinkampanini ezisohlwini ezihlobene nohla lwamanani wewayini lomhlaba akusewona ubukhazikhazi. Kutholakala ngokuthenga amasheya we-wineries ayinhloko, yize isisombululo esisebenza kunazo zonke siqukethe inkontileka yanoma yiziphi izimali zokutshala imali ezisuselwa kulesi siphakamiso ihluke kakhulu.
UMashi Vini Catena noma iBlue Chip Winey Fund ngezinye zezimali eziphakanyiswe abaphathi ukwamukela le nselelo eyela ngasocansini. Zigxile kakhulu ku- izinkampani zokusabalalisa, ezikhiqiza iwayini, izinkampani zezolimo noma imboni yewayini elisizayo. Kepha uma ungumtshali-zimali, ungathenga ngisho newayini elingokwenyama, futhi wakhe i-winery yangasese enesizotha ezokwandisa umcebo wakho eminyakeni edlule. Kuzoba ukuphela kwemfuneko abazokubeka yona.
Izimakethe ezingaphandle, kungani?
Akuyona imfihlo ukuthi izimakethe zezezimali zivulekele cishe zonke izimakethe zamasheya emhlabeni. Kukhona impilo edlula omelwe kakhulu: iNew York, iLondon, iFrankfurt, iTokyo ... Amathuba ebhizinisi asabalale aya ezimakethe zamasheya ezingaziwa kakhulu, futhi angaphansi kokucatshangwa kuze kube yiminyaka embalwa edlule: IVietnam, iBotswana, iNamibia noma iSri Lanka ngezinye zazo.
Ukufinyelela kwakho kungenzeka kube nzima kakhulu, nangaphansi kwamakhomishini aphezulu. Kodwa-ke, uzokugwema lokhu kuphazamiseka uma ekugcineni ukhetha izimali zokutshala imali ezigxila kwizikhundla zabo kulezi zimakethe, noma uzihlanganise nezinye izindawo zamasheya.
Cishe wonke amabhange akuvumela ukuthi wenze le misebenzi, engabhaliswa cishe ngesikhathi sangempela, kusuka kunoma iyiphi indawo. Futhi ngale ndlela ukufinyelela amaphuzu akude kakhulu eplanethi, lapho umnotho wemakethe wamahhala ufakwe ngendlela yawo yenhlangano. Ngenhloso ecace bha, sebenzisa ngokunenzuzo ngaphezu kwawo wonke umkhuba oya phezulu abawethula ngesikhathi esithile.
Ukusizakala ngezimo ze-bearish
Izimo ezimbi kakhulu ezimakethe akufanele zenze isithiyo esivimbela ukufinyelela kwethu. Abatshalizimali banazo izinhlobo ezahlukahlukene zemikhiqizo abazoyitshala phansi futhi uzuze ekuweni kwezintengo zezitoko eziyinhloko nama-indices, njengokufaka ama-waranti, izimali zokutshala imali noma ama-ETF ahlukile, ikakhulukazi.
Ngisho nangezinhlelo eziyinkimbinkimbi ngokwengeziwe, ezisekela okunikezwayo ekubhaliseleni amasheya ngemisebenzi yokuthengisa ngesikweletu. Benza kube nokwenzeka ukukhiqiza inzuzo kusuka ekunciphiseni kwesibambiso, okwenza ukuthengiswa kwamasheya abolekwe. Lapho umsebenzi usuthuthukisiwe, ungakhansela ezezimali, uphinde uthenge iziqu. Uma zehla, inzuzo etholakalayo izobe iphana kakhulu, ngokungangabazeki. Kepha uma kungenjalo, kuzoholela ekulahlekelweni okukhulu.
Hambisana nezimiso zakho
Mhlawumbe iningi labasindisi abakwazi, njengakwakho, kepha ngeminikelo yakho bangasiza ekuxhaseni amaphrojekthi asimeme, okunomthelela oqondile emphakathini nakwezemvelo. Lo mqondo omusha ekutshalweni kwemali wenziwa ngomkhiqizo wezezimali ongawujwayele kakhulu ukusebenza. Imayelana ne- izitifiketi zediphozithi zamasheya, esetshenziswa izinkampani eziningi ukwenza izinhlelo zalolu hlobo.
Hhayi kuphela ukuthi uzotshala imali yakho entweni okholelwa kuyo, kepha ngasikhathi sinye uzothola impumelelo eqinisekisiwe, uhlinzeka ngozinzo kutshalo-mali. Ngaphandle kokuphuma kwemali ngokweqile, ngoba isitifiketi ngasinye ungayibhalisela kusuka cishe kuma-euro angama-100.
Imikhiqizo ebhekele umphakathi
Ngaphakathi kwalesi sigaba, kungenzeka ukuthi kutshalwe imali ezinkampanini ezingeni lomhlaba jikelele ezibhekele ezenhlalo, futhi ezifakiwe kuzikhombo eziqhubekayo, ezemvelo nezomphakathi (CSR). Esinye sezimpawu zayo yi-Dow Jones Sustainability World Index. Futhi kunoma yikuphi, ababeki eceleni utshwala, ukugembula, ugwayi, izikhali, nokuzijabulisa kwabantu abadala njengendlela yokutshala imali. Ungaqhuba imisebenzi, ngqo ngokuthenga amasheya alezi zinkampani ezimakethe zamasheya. Noma kalula ngezimali zokutshala imali ezisuselwa kulezi zindlela zokuziphatha.
Ama-cryptocurrensets, utshalomali emalini ebonakalayo
Impela, iBitcoin ngeke ikhathalele noma ngubani, okungenani kunakho konke umuntu wakho, yize kungazwakali kujwayelekile kuwe njengeLitecoin, Ripple noma iDogecoin. Ziyizindlela zokushintshisana zedijithali zokwenza izinkokhelo ezingaziwa nge-Intanethi Futhi lapho eyokuqala kuzo inyukele cishe ku-1.000% selokhu yavela ngo-2009. Ukwamukela kwayo utshalomali kukuthembisa imizwelo enamandla kakhulu, ngoba kwikota yokugcina yonyaka ka-2015 inani layo lenyuke cishe ngo-100%, lisuka kuma-260 laya kuma-455 amadola. Kungaba yindlela yokuthi ukhuphule umcebo wakho unomphela.
Izinkokhelo zingenziwa kulezi zimali, eziguqulwa ngokuzenzakalela zibe amayunithi emali angempela, asetshenziselwe ukuthenga kunoma iyiphi indawo eku-inthanethi. Umehluko wabo useqinisweni lokuthi izinhlangano ezejwayelekile zezezimali azikho ekuphatheni ukuthengisa utshalomali kulezi zimali ezibonakalayo, kodwa ukuthi ukuze kwenziwe umsebenzi usebenze, okunikezwayo okwenziwe yizingxenyekazi zezezimali online kuzofanele kuhlangatshezwane nakho.