Inqubomgomo yezimali yase-United States inomthelela omkhulu ezimakethe zezezimali, kepha kube nemiphumela emincane futhi engaqondile emnothweni waseYurophu, futhi ngenxa yalokho, emaphaketheni ezakhamizi zesifunda se-euro. Kusukela ekupheleni konyaka odlule, isu layo selishintshile, kulandela isinqumo seFederal Reserve sokukhuphula inzalo ngekota yephuzu, kuze kufike ku-0,50%. Ngeke kube yilo lodwa, ngoba ibhange elikhulu laseNyakatho Melika likhombisile ezitatimendeni zalo zakamuva ukuthi kuzoba nokunye ukwenyuka kwentengo yemali ezinyangeni ezizayo, yize kuzokwenziwa kancane kancane futhi kulawulwe.
Lokhu kuguqulwa kwesimo kunqubomgomo yaso yezimali kwenzeka eminyakeni eyishumi ngemuva kokwenyuka kwamazinga okugcina. Akumangalisi ukuthi lokhu kungokokuqala kusukela ngo-2006, ngaphambi kokuba kuqale inkinga yezimali. Lesi silinganiso sisize ukuqinisa ukukhula komnotho wase-United States, ngomjikelezo owandayo emsebenzini wawo wokukhiqiza oholele ekutheni ufinyelele amazinga aphakeme ngaphezu kuka-4% kuMkhiqizo wawo Wangaphakathi Omkhulu ngezikhathi ezithile zeminyaka yamuva. Njengoba inkuthazo yezomnotho ihoxisiwe, uma kunikezwe izimpawu ezisobala zokuthuthuka, ubukhulu balokhu kukhuphuka manje kusamele kuqinisekiswe. Kusuka ku-6,25% lapho intengo yemali yahamba khona ekuqaleni kwaleli khulu leminyaka, yehla yaya ku-0,25% ekupheleni kuka-2008, hhayi ukuyeka lawa mazinga iminyaka eyisikhombisa. Futhi lokho kuqhathaniswa namanani amabi aseSwitzerland (0,75%) noma iJapan (0,10%) okungamazwe lapho intengo yemali ishibhile khona.
Kuhlaba umxhwele ukwehluka kwenqubomgomo yezimali yaseNyakatho Melika eyenziwa ngayo e-European Union, ehluke ngokuphelele. Eqinisweni, ngakolunye uhlangothi lwe-Atlantic, i-European Central Bank (ECB) isanda kunquma ukuqhubeka necebo layo lokwehlisa imali ngo yehlisa intengo yemali ibe ngu-0%, njengethuluzi lokuthuthukisa umsebenzi wezomnotho kule ndawo, lapho kutholwa izimpawu ezithile zokwehla komnotho wawo.
Izinhlobo: amathuba okutshala imali
Ukuguquka kwenqubomgomo yezimali yase-US kukhombisa ngqo ku izimakethe zamasheya. Yize ngezinga elikhulu iye yehliswa ngonyaka odlule. Akumangalisi ukuthi ukusabela kwezimakethe kulolu shintsho kumkhuba bekuwukuya kwezinye izimpahla zezezimali, noma ngamanye amagama, ukuya emikhiqizweni emisha yokutshala imali ebheka lokhu kuhamba. Lapho amanani ehla, abatshalizimali babona imakethe yamasheya njengethuluzi elihle kakhulu ukwenza ukonga kwakho kube nenzuzo, nokugeleza kwemali kubhekiswe kulokhu kutshalwa kwezimali. Njengoba kunikezwe lesi simo esisha somnotho, ukukhuphuka okutholakale ezimakethe zabo cishe ngeke kubonakale njengaseminyakeni lapho kwakudingeka baphile ngamanani aphansi kakhulu.
Kulokhu kufanele kungezwe ukuthi, uma kubhekwa ukulahleka kokuncintisana kwezinkampani zaseNyakatho Melika ngenxa ye- amandla edola, ukonga kungabhekiswa kwimikhiqizo engenayo engaguquki. Futhi ikakhulukazi kwisibopho saseNyakatho Melika, omunye wabazuzi abakhulu balesi simo. Ukwehliswa kwentengo yayo, kukhuphuke inzuzo yayo, kuzonikeza abatshalizimali ithuba lokuthatha izikhundla kule mpahla yezezimali kusukela manje ngamathemba angcono okusebenza kwayo.
Yize ingatholwa ngqo, into elula kakhulu futhi enethezekile ukukwenza kusuka esikhwameni semali esinqunyiwe, okuyifaka kuphothifoliyo yayo. Noma ukuthuthela emazweni angamazwe aseYurophu, nokuthi ngenxa yamanani entengo ephansi ayivezayo njengamanje, angathatha induku imakethe yamasheya aseNyakatho Melika esele nayo ngemuva kokukhuphuka okuphezulu eminyakeni yamuva. Akumangalisi ukuthi inkomba yayo emele kakhulu, iDow Jones, iye yathokozela ngalesi sikhathi samanani aphansi cishe i-90%, ngemuva kokufinyelela ezingeni eliphakeme lesikhathi esigcwele ngo-2015, lapho uvakashele izinga lamaphoyinti angu-18.312.
Uhambo olubiza kakhulu kwabaseYurophu
Izakhamizi ezisendaweni ye-euro ezizothuthela kolunye uhlangothi lwe-Atlantic, zizophinda ziqaphele imiphumela yalesi silinganiso, ngoba zizolinyazwa nge-euro engabizi kangako ekushintshaneni kwazo nemali yaseNyakatho Melika. Futhi ngenxa yalokho, iphakethe lakho leholide, ukubhuka indawo yokuhlala, noma ukufinyelela kwezinye izinsizakalo zabavakashi kuzokwanda kusuka manje.
Kwezinye izindawo zomsebenzi wezomnotho, imiphumela izoba mincane kakhulu, futhi ngeke ifinyelele emaphaketheni akho. Ngaphandle kokuqhubeka, ngeke kube nomthelela ezindlekweni zezinsizakalo nemikhiqizo yasebhange, encike kuphela kunqubomgomo yemali yoMphakathi. Ngaphandle kwenhloso yokushintsha isu layo, ngemuva kwesitatimende sokugcina esivela ebhange elikhiphayo. Ngale ndlela, ubudlelwano nemalimboleko nemali ebolekwayo buzoqhubeka njengakuqala, ngamanani wenzalo aphansi. Kufanele kukhunjulwe ukuthi inkomba eyinhloko yesethenjwa yokwenza ngokusemthethweni imali ebanjwayo, i-Euribor, okwamanje iku - 0,012%, ngemuva kokuhlala eminyakeni eyishumi edlule phakathi kuka-0,059% no-5,384%.
Mayelana nemikhiqizo eyisisekelo yokonga (amadiphozithi, amanothi ezithembiso zasebhange, njll.), Zizoqhubeka nokuhamba ngaphansi kwamazinga abuthaka ekusebenzeni kwazo, cishe kuncane. Kuphi ngeke bavame ukweqa isithiyo esingu-0,50% Ngaphandle kokuthi kusetshenziswe amasu athile ukukhulisa inzuzo yayo (ukuxhumanisa nezinye izimpahla zezezimali, ukunikezwa kwamakhasimende amasha noma ukwenza eminye imikhiqizo).
Ukulingana kwemali
Enye impahla yezezimali ezwelayo ekuguqulweni komjikelezo wemali e-United States yilezo ezinezimali njengendawo yokukhomba. Akumangalisi ukuthi idola laseMelika liye lazisa maqondana nezinye izimali emhlabeni jikelele, selokhu kwaqala leli thuba elisha emaphoyiseni ezomnotho. Futhi ngaphandle kokuthi intengo yayo eqhathaniswa ne-euro ithole ukungena kancane ngo-2,80%, ezinyangeni zokuqala zalo nyaka.
Inkinga enkulu izothinta umnotho osafufusa, njengoba kuzofanele babhekane nedola elibiza kakhulu, elingaze lilinganisele phansi ukuvela kwezinkampani zaseSpain ezinezintshisekelo kwezinye izindawo (iBrazil, Mexico, Argentina, njll.). Yize, ngakolunye uhlangothi, izothuthukisa ibhalansi yezinkampani zaseYurophu (ISpanishi) ngokuthumela kwabo ngaphandle. Ukuboniswa kwayo kumasheya kuye kwavela ngokulungiswa kwamanani ayo, ngokuya ngeqiniso elisha lomnotho.
Umthelela wayo ekutshalweni kwemali
Vele, isimo sesilinganiso senzalo sizoba nomthelela obaluleke ngaphezu kwezikhundla ozivula kumasheya. Kuze kube ikusize wenze noma ulahlekelwe yimali ezimakethe zezezimali. Akumangalisi ukuthi kungenye yezinguquko zomnotho ezinquma kakhulu ukuvela kwemakethe yamasheya nganoma yisiphi isikhathi nasesimweni. Akufanele ubakhohlwe uma ufuna ukwenza ukonga kube nenzuzo ngeziqinisekiso ezinkulu zempumelelo kuyo yonke imisebenzi yakho.
Vele, isimo esihle kunazo zonke sizokwenzeka lapho amazinga wenzalo ehlala ephansi, njengesimo samanje, kusukela izoshayela amanani entengo efakwe ohlwini lwezimali. Isizathu kumele sitholakale ngokuba yintengo yemali eshibhile, izinkampani ezixhasa ngezimali zikuthola kuzuzisa kakhulu izintshisekelo zazo. Konke lokhu kudluliselwe endaweni engcono emabhizinisini abo. Imvamisa ziyaqondana nomkhuba oya phezulu ezimakethe zezezimali.
Ukunyakaza okuphambene, okungukuthi, amanani aphezulu wenzalo, kukhiqiza umphumela ohlukile. Njengoba intengo yemali ibiza kakhulu, izinkinga zezinkampani zikhulu kakhulu. Ngokuncipha kwemikhawulo yayo yezentengiselwano nangokwandiswa kwamanani ayo ezimakethe. Kuvamile kaningi ukuthi zikhule Izikhathi ze-bearish ngentengo. Lapho imikhakha yemakethe yamasheya ethinteka kakhulu yilezo ezihlobene namabhange, amaqembu ezezimali nezinkampani zemishwalense.
Kulesi simo samazinga wenzalo akhona, kungakuhle kakhulu ukuthi uthathe izikhundla lapho amazinga wenzalo ephansi. Ngenkathi kuqhathaniswa, kuphambene impela ngezikhathi ezikhulayo ekunikezelweni kwemali. Lapho into enengqondo kunazo zonke ukuthi uningi uqaphile kuyo yonke iminyakazo oyithuthukisayo. Yize kuse-United States lapho lezi zimo zinethonya elikhulu khona, awukwazi ukubukela phansi i-panorama yamazinga wenzalo ezwenikazi elidala.
Ukuhweba ngamasheya kule ndawo
Uma ufuna ukusizakala ngokuvela kwamanani wenzalo, ngakolunye uhlangothi nolunye lwe-Atlantic, ngeke ube nokhetho ngaphandle kokusebenzisa uchungechunge lwemikhombandlela yokuziphatha ukuze ukwandise ukusebenza kwakho ngamasheya. Zizokusiza ukuthi uthuthukise izikhundla zakho, kungaba imbangela yokwenyuka kokusebenza kwemali oyongile kusukela manje kuqhubeke: Uyafuna ukubalandela?
- Shintsha isu lakho lokutshala imali kuya ngenqubo lapho amazinga wenzalo ahlala khona ngaso sonke isikhathi.
- Uma kunesidingo kuzokusiza ukuthi uhambe ukuvuselelaKancane kancane, iphothifoliyo yakho yokutshala imali ukuyiyisa ezindleleni ezinhle kakhulu zokutshala imali ngaso sonke isikhathi.
- Imihlangano ye abaphathi bezezimali Kuzoba ipharamitha enhle kuwe ukuthi uthathe isinqumo sakho, ngandlela thile.
- I-Los izikhathi eziphindaphindwayo nezandayo wezomnotho wamazwe omhlaba uzonquma kakhulu inqubomgomo yemali yezindawo eziyinhloko zomhlaba othuthukile.
- Ungakwazi thola inombolo enhle yemikhiqizo yezimali eyenziwe ngokukhethekile ukubhekana nezimo zamazinga enzalo aphezulu noma aphansi.
- Ukwenza iphothifoliyo yakho yokutshala imali, kufanele ukhumbule ukuthi kunezinombolo eziningi ze- amanani azwela kakhulu kulezi zinqubomgomo zemali. Basebenzise ngazo zonke izikhathi. Kungaba imisebenzi enenzuzo kakhulu yezintshisekelo zakho.