Thengisa ama-oda ezimakethe zamasheya kungenye yezinto ezibaluleke kakhulu ongazisebenzisa nganoma yisiphi isikhathi nasesimweni. Hhayi ngeze, nguyena onquma ngempumelelo noma cha wokusebenza, kufaka phakathi naleyo elinganisa izinga lokuzuza kwemali ongayithola ekuhambeni ngakunye okwenziwe ngamasheya. Ngakho-ke, kufanele iqale esinqumweni esicatshangelwe kahle, nokuthi akuwona umkhiqizo wokwenza ngcono, ngoba kuzoba nama-euro amaningi azobekwa engcupheni.
Ngaphezu kwalokho, ukuthengiswa kwamasheya kuzonquma umngcele phakathi kwalokhu ukuhweba okuhle nokubi, nokuthi yini izosetshenziswa ngokuya ngokuhlukahluka okuningi. Akutholwanga kuphela ezimweni zezimakethe zezezimali, kepha futhi nakuphrofayili oyethula njengomtshalizimali omncane naphakathi. Kuzofanele uzibekele ezinye izinhloso, futhi ngokususelwa kuzo, wenze ukuthengisa kube semthethweni ngokwemibono eyenziwe ekuqaleni. Ngaphandle kokuphambuka kufayela le- ukugcwaliseka kwezinhloso zakho.
Uma ungafuni ukuzisola ngokuthatha izikhundla ezimakethe zamasheya, kufanele ugweme ukuthengisa izinto ezimbi ngazo zonke izindlela. Futhi lokho ezimweni eziningi kuvela ngokungazi ukuthi ungathengisa kanjani ngesikhathi. Ngalo mqondo, kuyenzeka impela ukusebenzisa isisho esidala sokuthi abatshalizimali abanolwazi kakhulu cishe ngaso sonke isikhathi bathobela isiyalo esihle nembuyiselo engcono. Futhi lokho kusho ukuthi "i-euro yokugcina ithathwa ngomunye umuntu." Unganqikazi, lalela lesi seluleko, ngoba sizosebenza kahle kakhulu empilweni yakho njengomtshali-zimali.
Konke akufanele ukwenze
Kunezinto ezithile okungafanele neze uzenze emakethe yamasheya, ngoba imiphumela kubhalansi ye-akhawunti yamanje ingaba nemiphumela emibi kakhulu, futhi ungalahlekelwa yingxenye ebaluleke kakhulu yemali. Ikakhulukazi kufanele ugweme ngazo zonke izindlela ukubambeka ezimakethe. Ngokuqinisekile kuyisimo esivamile, lapho izintengo zotshalo-mali lwakho zikude kakhulu nokuthengiwe okwenziwe. Ukushintsha kwesimo, noma yiziphi izindaba ezingezinhle, noma isimo sezomnotho esingesihle ngokweqile kungasibangela.
Lapho lezi zimo zenzeka kuwe, kufanele uziphathe kabi, futhi ungethuki. Imiphumela ingaba mibi nakakhulu. Kunjalo Ngeke kube lula kuwe ukwenza ukuthengisa kube semthethweni, noma kancane. Njengoba kunjalo, lokho ozoba khona kukho ukuthengisa okunomusa. Futhi impela lokho kukushiyela ama-euro amaningi endleleni. Akufanele nakancane ukuthi ugweme ukufinyelela kulawa mazinga ngentengo yesabelo. Kuzoba wusizo olukhulu uma usebenzisa i-stop-loss oda ukuvikela iphothifoliyo yakho yokutshala imali.
Esinye sezimo lapho kufanele uzivikele khona kulapho ukulungiswa okunamandla kukhula entengo yamasheya akho. Futhi ngeke kube lula ukuthi uzithengise ngamanani aphansi kangako. Kuyiqiniso ukuthi basengalahlekelwa yinani elikhulu ezimakethe zezezimali, kepha kungenzeka kakhulu ama-rebound aqinile akhiqizwa anikeza ukuvumelana nentengo. Akukho lutho, okungenani kunawo wonke amasheya, okhuphuka noma wehle ingunaphakade. Kuzodingeka uhambe ngemijikelezo yabo ekucushweni kwamanani abo. Ngaphandle kokuthengisa amasheya ebuncaneni bonyaka.
Futhi, futhi nokuba sezikhundleni zokuwina ezimakethe zamasheya, - uma inani lisendleleni ephezulu - akufanele usebenzise ukuthengisa nganoma iyiphi indlela. Uzolahlekelwa ukwanda okungenzeka kwentengo yayo okungaholela ekukhuphuleni imali yakho esikhathini esingeqile ngokweqile. Futhi ikakhulukazi, uma ikhula ngaphansi kwesiteshi samahhala esikhuphukayo. Ngaphandle kokungabaza, isimo esivumelana kakhulu nezintshisekelo zakho njengomtshali-zimali.
Ungalindi ukuthengisa ukuphepha lapho inani lifakwa kwinqubo ye-bearish Lokho kungathatha amanani akho ukurekhoda okuphansi. Futhi yikuphi ukubuyekeza umlando wakamuva kakhulu wemakethe yamasheya waseSpain okukhombisa ukuthi izinkampani eziningana zikhombise kanjani lo mkhuba. Ngisho nethuba langempela lokulahlekelwa yikho konke ukonga, njengakumacala weTerra, La Seda de Barcelona noma iSniace, phakathi kwabamele kakhulu.
Inhloso enkulu yabatshalizimali abancane ngeke kube ukungena kulezi zimo ezingathandeki, nokuthi zingabenza bangazethembi izimakethe zezimali. Ukubashiya isikhathi eside. Ukuziphatha okungadonswa kulezi zimo ukuthi Uma ungathembi inkampani, kungcono uyeke ukuthatha izikhundla kuyo. Noma ungazithola uphoqeleka ukuthi ususe izenzo zabo ngendlela engeyona engeyakhe. Lokho wukuthi, ngokulahlekelwa okukhulu kakhulu.
Izikhathi zonyaka ezingathengiswa
Elinye isu, ngalesi sikhathi elingejwayelekile kakhulu, ukugwema ukwenza ngokusemthethweni ukuhwebelana kwamasheya okungafanele ngokuya ngesikhathi sonyaka. Yebo, ufunda lelo lungelo, ubheke ikhalenda. Noma kungakumangaza ekuqaleni, ezinye izikhathi zingaba zithandekayo kunezinye. Kusukela kulesi sigaba, akufanele ukwenze ngesikhathi samaholide kaKhisimusi. Isizathu silula, ngoba kula masonto lokho okubizwa ngokuthi i-rally kaKhisimusi kwenzeka ngokujwayelekile. Futhi lapho kunokubuyekezwa okuphawulekayo ezimakethe zamasheya emhlabeni jikelele, cishe ngaphandle kokukhetha. Lesi ngeke kube yisikhathi esikahle sokuthuthukisa ukuthengisa.
Ngokuya ngocwaningo oluningi olunikelwe ngabahlaziyi bezezimali ababalulekile kunesikhathi sonyaka lapho ukukhuphuka kwe-uptrend kucace bha phezu kwe-downtrend. Ihambisana nekota yokuqala neyokugcina yonyaka. Ubhekene nalesi simo esiphindaphindwa iminyaka eminingi, isikhundla sakho kufanele kube ukugwema ukwenza noma yiluphi uhlobo lokuthengisa kulezi zikhathi. Ngaphandle kokuthi kwenzeke izehlakalo ezikhethekile zezehlakalo zobunye ezenza umsebenzi uqine.
Okokugcina, akufanele uphuthelwe yisikhathi lapho iziphathimandla zezomnotho zithuthukisa izindlela zokukhula komhlaba (amanani entengo aphansi, izinqubomgomo zezimali, njll.). Manje babingelelwa izimakethe zezimali ngokunyuka okukhulu, Okungahlala ngisho nezikhathi ezimbalwa zokuhweba. Ukuba, ngakolunye uhlangothi, izikhathi ezithela kakhulu zokwenza ukonga kube nenzuzo, ngoba inzuzo yamasheya ingadubula ifike ku-10%, nangaphezulu ngezikhathi zenjabulo enkulu.
Ungakuvimbela kanjani ukusebenza okubi?
Ezimweni eziningi lezi zimo zingagwenywa, nokuthi intengo yamasheya awehli ngobudlova obukhethekile. Indlela ethembeke kakhulu ukungathengisi amasheya lapho ephule ukumelana okuthile ngentengo yawo.. Uma lokhu kwenzeka - kaningi kakhulu - kuzoba yisibonakaliso esiqinisekile sokuthi i-uptrend izoqhubeka emasontweni ambalwa alandelayo. Ngokubuyekezwa okusha okunganikeza iphothifoliyo yakho ukuvumelana okuthe xaxa.
Ngokufanayo ne ushintsho lwethrendi, ukusuka ku-bearish (noma kwi-lateral) kuya kwi-bullish Kuzoba yisizathu esanele ngokwengeziwe sokuthi awudingi ukuthengisa amasheya. Akunjalo noma ngabe unabo endaweni enhle, okungukuthi, ngezinzuzo ezinkulu ze-latent. Ngaphandle kokuthi ufuna ukumisa umfutho ozokhula ezimakethe zezimali ngenxa yalokhu kwehlukahluka okubucayi ekuthambekeni kwamanani jikelele.
Icebo lasekuqaleni lokufeza izinhloso lincike ungalokothi uthengise amasheya ezinsukwini ezandulela ukukhokhwa kwezabelo kubaninimasheya. Isizathu saleli su lokutshala imali elihlukile kungenxa yokuthi kulesi sikhathi, ukuthengisa okwenziwe ezimakethe akuvamile. Futhi yize yehlisiwe ngosuku olufanayo lokukhokha kwayo, imvamisa inani liyabuyisa amanani alo ezinsukwini ezimbalwa, ngakho-ke akusona isikhathi esihle sokuthengisa noma.
Ngabe le misebenzi iholelaphi?
Ukufika kwalezi zimo kudala izinkinga ezinkulu okufanele ubhekane nazo, futhi ngokushesha kuba ngcono. Kuzohlala njalo kungcono ukulahlekelwa ngu-2% noma u-3% enhlokodolobha etshaliwe, kunokukushiyela uhhafu wemali oyigcinile kusitoko, njengoba kwenzekile kwabanye abathengisi eminyakeni yamuva.
Ngakolunye uhlangothi, abantu abanezimpahla ezinkulu ukuvikela utshalomali lwabo bazohlala benokuvikela okukhulu. Hhayi ngeze, bazoba nesikhathi esivuna bona, ngoba uma utshalomali lungathuthuki ngemigudu ehleliwe, bangahlala balinde inani lentengo yalo ukubuyisa intengo yokuthenga, futhi ngaleyo ndlela bangatholi ukukhubazeka ekusebenzeni kwayo emakethe yamasheya .
Eminye yemiphumela engadalwa ukuthi uma ubhekene nesidingo sokubhekana nezindleko ezithile (isikole sezingane, izikweletu zasekhaya, ukukhokhwa kwemali mboleko, noma ukumane ubhekane nenkokhelo engalindelekile), kufanele undersell amasheya athengiwe. Ngokuvamile ebangeni eliphansi kakhulu lamanani, futhi lokho okungezwe kumakhomishini ama-oda akho, kuzodala ukuthi ubukhazikhazi obumiselwe imali engenayo eguqukayo buyancipha.
Ukugwema le nkinga enkulu, unezixazululo ezimbili ongazisebenzisa nganoma yisiphi isikhathi. Ngakolunye uhlangothi, ukutshalwa kwezimali okwahlukahlukene ngokukhetha ngokucophelela izibambiso ezi-4 noma ezi-5 ezakha iphothifoliyo evikelekile. Akuncikile, kunoma yikuphi, ekuguqukeni kwesiphakamiso esisodwa. Kuzohlala kuyindlela eyingozi kakhulu.
Ngakolunye uhlangothi, kuqondiswa isikhathi sokusebenza kokuphakathi nendawo okude. Kuzoba yindlela engcono kakhulu yokukhansela noma yikuphi ukuthengisa okungafuneki okuqeda isifiso sokuqala sokwenza ukonga kube nenzuzo, noma kunenketho yokuhamba ukuqoqa izabelo eziphakeme minyaka yonke, cishe u-8%. Ukuthi ungayisebenzisela ukuhlinzeka ngemali kwi-akhawunti yakho yokuhlola, ubhekene nezinye zezindleko eziphuthumayo ezikulindele ezinyangeni ezizayo.
Uma unaka lezi zeluleko, ngokuqinisekile ukuthi kusukela ekusebenzeni okulandelayo ezimakethe amathuba okuba wenze umsebenzi omubi azoncishiswa kakhulu.