Amanani wenzalo: ancike kuphi?

isithakazelo

Izinga lenzalo lakha inqubomgomo yemali yamazwe noma yezindawo. Ukuthi kube nemiphumela eqonde ngqo ezimpilweni zezakhamizi. Akumangalisi ukuthi zihlobene kakhulu ne- inani lemali. Okwamanje, amanani enzalo anokuziphendukela okungalingani kolunye uhlangothi lwe-Atlantic. Ngamanye amagama, bathathe izindlela ezahlukahlukene e-United States nase-European Union, okuyizindawo ezimbili zezomnotho ezimele kakhulu emhlabeni. Futhi ngandlela thile, balungisa ukuvela kwezimakethe zokulingana emhlabeni jikelele.

Ngokuyisisekelo, amanani enzalo yiwo anquma inani lemali, ngandlela thile, njengoba uzobona kule ndatshana. Kunoma ikuphi, kubuye kube lula ukuthi ucabangele ukuthi zilungisiwe ngokwezinga lokwehla kwamandla emali. Lapho kubhekwa izindleko zempilo ukuthola ukuthi kulula yini ukuzinyusa noma cha. Imayelana ne- idatha yezomnotho kubaluleke kakhulu okunokutholwa okuningi emikhakheni ehlukahlukene yezomnotho. Futhi lokho kuthole ukusebenzelana okukhethekile ngemuva kwenhlekelele yezomnotho eyavela ku-2008.

Ukuze uziqonde kangcono, kufanele wazi ukuthi isilinganiso senzalo noma isilinganiso senzalo yintengo yemali, okungukuthi, inani okufanele likhokhwe ngokusebenzisa inani lemali ngesikhathi esithile. Kubalulekile ukwenza noma yikuphi ukuthengiselana kwezomnotho. Njengesibonelo, ngesikhathi se- funa imalimboleko yomuntu siqu noma isibambiso. Kepha futhi ukuthola inzuzo yokulondolozwa noma imikhiqizo yokutshala imali. Njengoba kuncike ekuziphendukeleni kwabo, bazokhuphuka noma baye phansi ngamandla noma kokunye. Ngisho nokusebenza zero ngokuphelele, njengoba kwenzeka okwamanje.

Izinga lenzalo: amasu ahlukene

Kunoma ikuphi, isibonelo esihle kakhulu sokuchaza ukuthi amanani enzalo yini ukuya kulokho okwenziwa yiziphathimandla ezinkulu zezimali emhlabeni. Ngalo mqondo, i-European Central Bank (ECB) ithathe isinqumo yehlisa intengo yemali njengendlela yokuxazulula izinkinga ezitholakala enkingeni yezomnotho. Lokho wukuthi, inani lemali kule ndawo yezomnotho njengamanje lingu-0%. Lokhu kusho ukuthi amabhange asebenzisa inzalo ephansi kwizimalimboleko ezifunwayo. Njengakwelinye icala. Kwenzeka ngalesi sikhathi lapho sehlele ku-7%.

Omunye umphumela wecebo lezimali e-EU ukuthi inzuzo yemikhiqizo yasebhange kanye nemali engaguquki yehla kakhulu. Kufika lapho kufakwa khona isikhathi, amanothi ezethembiso zebhange, noma ama-akhawunti akhokha kakhulu manje bakunikeza inzalo ka-0,5%. Konke lokhu kungumphumela wentengo eshibhile yemali kulesi sikhala somnotho. Njengoba kungenzeka ubonile, imiphumela yayo ihluke ngokuphelele ngokuya ngezidingo ozifuna esikhungweni sakho sezezimali. Kepha kunoma yikuphi, kuthinta ubudlelwane bakho nezwe lemali.

Ukukhuphuka okuqhubekayo e-United States

USA

Esinye isimo esihluke kakhulu yileso esenzeka ngakolunye uhlangothi lwe-Atlantic. Lapho amanani enzalo ezokhuphuka ngokuqhubekayo kulo nyaka. Yize ihamba kancane ize ibe sebangeni eligeleza phakathi kuka-1,50% no-2%. Kuyisinqumo esizothathwa kusuka ku- Federal Reserve wase-United States (FED). Lokhu ngokwenza kusho okuthile okulula njengokuthi inzuzo oyenzile ngemali oyongile izokwanelisa ukwedlula manje. Ngenkathi wenze okuphambene nalokho, kuzokubiza kakhulu ukuthola imali kusuka manje. Lesi yisimo esenziwe ngamandla omnotho wase-United States.

Njengoba kungenzeka ubonile, kunezimo ezimbili ezithi wethule ukwehluka okubalulekile. Futhi ukuthi kokunye bangakuzuzisa kanti kwabanye umphumela uzoba okuphambene ngokuphelele. Ngephuzu elifanayo kuzo zombili izikhala zomnotho futhi lokho ukuthi ukwehla kwamandla emali kubukeka njengokulawulwa ngenxa yokusetshenziswa kwalezi zinyathelo zemali. Ngoba ukube bekungenjalo, bekungeke kuthuthukiswe ngale ndlela. Kunoma ikuphi, kusuka manje uzoba nokucaca kancane ngezehlakalo zamazinga wenzalo emkhakheni wezomnotho kuphela. Ngabe ufuna ukuqinisekisa ezinye izixhumanisi ezibaluleke ngokukhethekile?

Kuya ngokuhlinzekwa nokufunwa

Esinye isici okufanele usinakekele ukuchaza ukubaluleka kwamazinga wenzalo sisuselwa emthethweni oqinile wokuphakelwa kanye nokufunwa, okuhlala kulawulwa izimakethe zezezimali. Njengomphumela walezi zenzo, lehla le nzaloLapho sifuneka kakhulu isisetshenziswa sezezimali, futhi ngokuphambene nalokho, siphezulu, kwehla ukufunwa kwalezi zisetshenziswa zezezimali. Kuzoba yinto ehamba phambili ukukhuphula noma ukwehlisa intengo yemali nganoma yimuphi umugqa wesikweletu.

Lokhu kusho ukuthi ungathola isilinganiso senzalo sokuncintisana kakhulu noma cha esikweletini ozomangalela ngaso ibhange lakho. Ngakolunye uhlangothi, ukuthi imali oyongile ingakhokhwa kangcono kunakuqala futhi ube nemali enkulu kwi-akhawunti yakho yokonga. Njengoba kungenzeka ubonile, inani lenzalo aligcini ngokuhlukahluka okubalulekile kwe-macroeconomic, kepha lizophinde lisebenzele nobudlelwano obulondolozayo nesikhungo sakho sezezimali. Cishe kuyo yonke imikhiqizo yasebhange (imali yesikhathi, imali ebanjwayo, izinhlelo zempesheni, ama-akhawunti wokonga, njll.). Ngesehlakalo esicace bha ezimalini zakho nganoma yisiphi isikhathi.

Akukho mehluko ku-European Union

UE

UMkhandlu Olawulayo we-European Central Bank (i-ECB), kulo nyaka ucabanga ukubuyekezwa kwesibikezelo sokwehla kwamandla emali nokukhula konyaka we-2018 nowe-2019, ngesilinganiso sokuqala sonyaka odlule futhi okusho ukuthi ngeke zibe khona izindaba kumgomo wezimali ku le ndawo ebalulekile yomnotho evamile. Ngalo mqondo, kusuka emzimbeni okhishayo wezwekazi elidala isilinganiso sigcinwa ku-0% ngenhloso enkulu yokuqinisekisa ukuthi izimo zezezimali ziyavuma.

Enye yezinqubomgomo zezimali ezinolaka kakhulu yileso esakhiwa eJapan ukuzama ukukhulisa umnotho waso. Ngakho-ke, ngale ndlela, ibuyela endleleni yokukhula eyayiyeka eminyakeni eminingi eyedlule futhi okuholele ekutheni yamukele isimo esikhetheke kakhulu kwezomnotho emashumini eminyaka amuva nje. Kulokhu, kulokhu Ibhange laseJapan inqume kusukela ngo-2016 ukwehlisa izinga lenzalo ebhentshini, okuyibeke endaweni engeyinhle.

Ungasisebenzisa kanjani isithakazelo emakethe yamasheya?

Vele, amanani enzalo angakusiza ukwenza imisebenzi yakho izuze ezimakethe zezimali. Kusuka kumasu ahlukahlukene ongawasebenzisa kusuka kulezi zikhathi eziqondile. Enye yezinto eziphumelela kakhulu ukuvula izikhundla ngesikhathi lapho inani lentengo yemali linqunywa. Ngokuvamile izimakethe zezimali zisabela ngenjabulo enkulu kulezi zinhlobo zezinyathelo. Ngokubuyekezwa okuphawulekayo kuma-indices ayo amakhulu esitokwe isikhathi esingaphezu kwesikhathi eside. Ngesimo esicacile se-bullish ongeke usiphuthe.

Olunye lwezinhlelo ongazisebenzisa lususelwa ekushiyeni isikhwama ekuhambeni okuhlukile. Lokho wukuthi, lapho kunokukhuphuka kwamanani okuqina okukhethekile. Ngokusabela okungekuhle okuvela ezimakethe zezezimali. Ukufika ezingeni lokuthi zingakwenza ulahlekelwe yimali ngesikhathi esifushane kakhulu. Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi lokhu kuhamba fanisa ama-downtrends zezimali. Ngakho-ke, ababona abangane abahle bokuhamba ukwenza ukonga kube nenzuzo. Ngeke ube nokunye ongakwenza ngaphandle kokubheka ezinye izindlela zokutshala imali.

Isicelo semikhiqizo yasebhange

AMabhange

Ngakolunye uhlangothi, kulula ukuthi wazi ukuthi zikhula kanjani ngesikhathi sokuphila komugqa wesikweletu, noma ngabe unjani. Kulesi simo esithile, inani lenzalo lihlala likhona sonke isikhathi noma impilo yemalimboleko. Azimele ngezinga lenzalo emakethe yamanje. Yize uma ngaleso sikhathi uzomqasha ngoba kuzoya ngesimo sakhe ezimakethe. Ngale ndlela, ungasebenzisa ngokunenzuzo amaconsi ayo noma, kunalokho, ngokukhuphuka kwentengo. Kunoma ikuphi, kubalwa ngokuya ngesilinganiso samanani wenzalo yezinyanga ezedlule. Imvamisa i- isikhathi sokukhokha isukela ezinyangeni ezimbalwa iye eminyakeni emi-3 noma emi-4. Yize kwezinye izindlela izinkathi zingandiswa kakhulu.

Kuzoba yimali okuzodingeka uyikhokhe esikhungweni sezezimali ngokushiya kwakho noma imali ebolekisiwe. Ngale ndlela, ukuyiphothula, ngeke ube nenye indlela ngaphandle kokukhokha imbuyiselo yakho, inzalo ehambisanayo namakhomishini nezinye izindleko kubaphathi, uma zikhona. Ngokuvamile ngohlelo olungaguquguquki lwezitolimende zanyanga zonke. Yize kuzoncika ekutheni ungakwenza yini ukukhipha intela kusenesikhathi. Ngalo mqondo, umehluko wamaphesenti ambalwa wamaphesenti kungasho ukonga okubaluleke kakhulu ezindlekweni zalo mkhiqizo webhange.


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Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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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.