Ukungazinzi? Yebo, lokhu kubonakala kuyindlela ejwayelekile ezimakethe zezimali ezinyangeni ezimbalwa ezizayo. Njengoba seyanyamalala emisebenzini yabatshalizimali isikhathi eside. Ngoba impela, konke kubonakala kukukhombisa lokho izingozi zomhlaba nezinqubo zokhetho ezizokwenzeka kulo nyaka zizofaka ukungalingani okuthile ezimakethe zezimali. Ngezinga elingashintsha ngayo inkambo ye- umkhuba noma kunini. Akukho okunye ongakwenza ngaphandle kokuba wazi ngabo ukwenza imali oyongile ibe nenzuzo kulo nyaka.
Ngoba impela, zonke izimpawu zikhomba ipolitiki izobeka inkambo yezimakethe zezimali futhi, ngaphezu kokunye ukucatshangelwa okuxhumene nezindlela zezomnotho kuphela noma ezixhunyaniswe namasheya. Ngalo mqondo, kuzodingeka ukuthi kwaziwe ngokhetho oluzobanjwa ezwenikazi laseYurophu ezinyangeni ezizayo. Uhlu lungenye yezinto eziphelele kakhulu ongazithola: IGreat Britain, i-Italy, iJalimane futhi kungenzeka ekugcineni ijoyine iSpain. Isikhuthazo samanani esitoko sikhombisa ukwehla okuqinile.
Zonke lezi zinqubo zokhetho kufanele zikwenze uqaphele kancane lapha. Kufanele ulawule ubungozi obungahle bube khona ngenxa yemisebenzi oyivulayo ezimakethe zezezimali. Futhi indlela engcono yokuyenza izovela ekwehlukanisweni okubanzi kwenhlokodolobha yakho etholakalayo. Uma ukwazi, ungagxili ekuphepheni okukodwa, kodwa kubhasikidi wamasheya angahlanganiswa nezinye izimpahla zezezimali. Kuzoba elinye lamasu ahlakaniphile ukubhekana nezimo ezingathandeki kakhulu zezimali.
Ingozi eyengeziwe yokungazinzi
Zonke lezi zigameko inqubomgomo engaletha zona ngeke zibe umlingani ongcono kakhulu wokuthola izinzuzo ezimakethe zamasheya. Uma kungenjalo, ungahle uthambekele ekulahlekelweni yimali. Kumazinga okuthi ngesinye isikhathi awukwazi ukukucabanga, nezinkinga ezinengqondo kubhalansi ye-akhawunti yakho yokuhlola. Noma kunjalo, ngeke ukukhohlwe lokho njengenjwayelo amathuba amasha ebhizinisi azovela njengomphumela walokhu kungazinzi ezimakethe zezimali.
Ngoba kufanele wazi ukuthi awukwazi ukwenza imali kuphela ngemakethe yamasheya ekukhuphukeni. Kepha futhi kwehle ngokujula kwesici okufana nezimali zokutshala imali noma ukuthengisa ngesikweletu. Yize ngentengo ye- thatha izingozi ezinkulu ekusebenzeni. Ngoba umvuzo ungaba ngaphezulu kunalokho okunikezwa yimikhiqizo ejwayelekile. Kuzoba ngumzuzu ofanele kakhulu ukuze kulo nyaka uthambekele ekushintsheni isu lakho lokutshala imali. Ngisho indawo eyahlukene ngokuya ngezimakethe zamasheya zomhlaba wonke
Umnotho waseSpain uyathuthuka
Isici esihle sizonikezwa ngamathemba okukhula emnothweni waseYurophu. Akumangalisi-ke ukuthi, kungashiwo ukuthi i-International Monetary Fund (IMF) kwaphakamisa isibikezelo sokukhula kweYurophu kanye namazwe asafufusa. Futhi eSpain, lapho babona khona ukuthi i-GDP yalo nyaka ingakhula iye emazingeni asondele kakhulu ku-3%. Okuthile okungakhuthaza abathengi ukuthi bangene ezimakethe. Ngethemba elikhulu ngokusebenza kwayo emakethe yamasheya.
Kepha, lokhu kulindelwa kokukhula kuzokweqiwa ngezinga elingakanani ukungazinzi okubangelwe yizinqubo zokhetho? Isikhathi kuphela esizokwazi ukuthola impendulo eqondile, sikushiyele akukho ndlela yokwenza izindlela ezifanele zokutshala imali. Njengoba kwenzeka ekuzivocavoca kwangaphambilini. Yimali ekhokhwayo okuzodingeka uyikhokhe ukukhetha unyaka onzima njengoba ubonakala namuhla. Kuphi noma yini ingenzeka, kusukela ekukhuleni okukhulu ekupheleni konyaka ukugcwalisa ushintsho kuthrendi nokuvala unyaka ngokubi.
I-euro ingathola amandla
Kunesimo abahlaziyi abambalwa abasibonayo futhi ngenxa yalokho kumele sihlaziywe kusukela manje kuqhubeke. Akuyona enye ngaphandle kwokwenzeka kwangempela ukuthi i-euro ithola amandla engxenyeni yesibili yonyaka. Isizathu singenxa yokuthile okulula njengabatshalizimali bomhlaba wonke ababuyela ezimakethe zamasheya zamazwe akwele-euro. Njengomphumela walesi simo esisha, ukuqhubeka kwenqubo yamanje ye-bullish kungaba ngaphezu kwendlela yokucabanga. Kungasiza ama-indices ukulandela ukukhuphuka kwabo kwentengo yamasheya. Okungenani izinyanga ezimbalwa okungenani.
Esinye isici esingazuzisa ukulingana ngalesi sikhathi ukuthi ukuvuselelwa kwenzuzo zigcinwe noma ziqhubekele phambili ezindaweni zokuhlala. Kungaba enye yezindaba ezinhle kakhulu ongazithola ukwenza ukunyakaza kwakho kube nenzuzo ezimakethe zezezimali ngempumelelo enkulu. Ngaphezu kwezinye izimo ezijabulisa ngokulinganayo ukuvikela izintshisekelo zakho njengomtshali-zimali omncane naphakathi. Ngenye yemingcele okufanele uyicabangele ukuvula imisebenzi yakho.
Izimpawu ezibuza ukukhombisa ukungazinzi
Kuzobaluleke kakhulu ukuthi uthole izimpawu ezingalindela ukushintsha okukhulu kwezimakethe zezimali. Ezinye zazo kuzoba lula ukuziqonda, kanti ezinye zizodinga ukuhlaziywa okuyinkimbinkimbi. Kunoma yiziphi izimo, bazonikeza imihlahlandlela yokuziphatha lapho zonke izenzo zakho zizodingeka maqondana nobudlelwano nezwe lemali elihlale liyinkimbinkimbi. Futhi lapho ngokuyisisekelo kuzoba ngokulandelayo esikudalula ngezansi.
- Noma yimuphi umphumela wokhetho okhethweni lwaseYurophu lokho azithandeki izimakethe zezezimali. Kuzoba nokhetho oluningi kangangokuthi noma yiluphi lwazo lungadala ushintsho ngokushesha futhi olukhulu ezimakethe zamasheya.
- Okungenzeka ushintsho lomkhuba kunqubomgomo yemali, zombili ngakolunye uhlangothi nolunye i-Atlantic. Ngalo mqondo, kuzodingeka ukuthi silindele kakhulu ukuthi kwenzekani ngamanani wenzalo yase-United States kanye namazwe endawo ye-euro.
- Ukuvela okungenzeka kwe- bubble ezikweletini zomphakathi zomhlaba jikelele. Ukufika ezingeni lokuthi kungaba yimbangela ye-rally ye-bearish ebaluleke kakhulu. Ngokwehla kwentengo yamasheya ngaphezu kokubalulekile. Hhayi ngeze, ungathenga intengo yamasheya ngokulinganisa okuncintisana kakhulu kunamanje.
- Lapho i- ukulungiswa kwamanani okubaluleke kakhulu kunokujwayelekile. Ngoba ngale ndlela izosuka kumkhuba obheke phezulu noma we-lateral iye kokusobala ngokwehla. Ngisho nokuvakashela amazinga okuhweba angabonakali eminyakeni yamuva.
- Esinye sezibonakaliso ezicace bha ongakunika imakethe yezezimali yi- ukubekwa kwezikhundla ezimfushane mayelana nabathengi. Ngalo mqondo, ukwehla kokushintshaniswa kwezibambiso kuzoba esinye sezikhiye zokulindela lesi simo esithile.
- Ekugcineni, ungakhohlwa ukuthi kwesinye isikhathi izikhwama kuzodingeka ukuphumula ngemuva kokukhuphuka kokugcina. Ngoba empeleni, emalini akukho okuya phezulu noma phansi kuze kube phakade. Esikhundleni salokho, ukunyakaza kwabo kubuswa izigaba noma imijikelezo echazwe kahle kakhulu. Kuzodingeka ulandele ukuthambekela komzuzu ngamunye. Akukho okunye, ngoba kuzoba isu eliwusizo kakhulu kuzintshisekelo zakho.
Kufanele wenze kanjani?
Isikhathi esibaluleke kakhulu nesichazayo sesifikile ukungenisa ukusebenza kwakho emakethe yamasheya. Izenzo zokuthi imisebenzi yakho kufanele ilawulwe kanjani kusukela manje kuqhubeke. Ngeke kube nzima kakhulu ukufaka isicelo futhi ngokubuyisela bazokunikeza injabulo engaphezu kweyodwa kulezi zikhathi. Lokhu ngezinye zezinto ezibaluleke kakhulu onazo esandleni sakho ukuzenza ngempumelelo enkulu kunangezinye izikhathi.
Gcina imali ethile ukuze ulungiselele ukusebenzisa amathuba asezingeni eliphansi elizokhiqizwa ekushintshaneni emhlabeni wonke. Ungakwazi thenga amasheya ngamanani angacabangeki kuze kube izinyanga ezimbalwa ezedlule. Kufanele ube nezinhlamvu ezidingekayo zokwenza le misebenzi engaba nenzuzo enkulu ukwenza ngcono izimpahla zakho. Ngalo mqondo, ukungazinzi kwezimakethe zezimali akufanele kuthathwe ngombono ongemuhle. Kepha kunalokho ngokubuka okuphambene, lokho, njengethuba elinikezwa izimakethe ukuthenga amasheya ngentengo engcono futhi ngaleyo ndlela kwenze ukonga kube nenzuzo ngamathuba amahle kakhulu ekubuyiseni kwabo.
Yini engadala ukungazinzi?
Noma ucabanga ukuthi ukungazinzi ezimakethe zamasheya kuzoba ngabalingani bakho abakhulu, ungashintsha umqondo ngokuhamba kwesikhathi. Ngoba empeleni, ungasebenzisa ngokunenzuzo lo mkhuba. Kanjani? Yebo, ngokusebenzisa amathiphu alandelayo esikudalula ngawo ngezansi.
- Ukulinda izinyanga ezimbalwa esinqumweni sakho sokuphumela obala ukuze uthole i- amanani wokuncintisana kakhulu ukuthi kuze kube manje.
- Ngokusebenzisa buyisela emuva imikhiqizo lapho wenza khona imisebenzi enenzuzo ngezimakethe eziwayo, ngamandla amakhulu kakhulu ngokwezinzuzo ezikhiqizwe ekuhambeni.
- Ukubheja ku inani eliwayo uzobe usesimweni esihle kakhulu sokukhiqiza izinzuzo ezinhle kakhulu. Yize kufanele uqiniseke impela ukuthi lo mkhuba uyenzeka ngoba kungukusebenza okubeka izingozi ezeqile.
- Kungaba izaba ezizwakalayo zokuthi ubuyele kuhlelo lwe- imikhiqizo yasebhange impilo yonke. Inzalo abazoyinikeza ngeke ibe phezulu kakhulu, kepha okungenani izoqinisekiswa minyaka yonke. Ngokubuyiselwa kulondolozo lwakho oluzoba phakathi kuka-0,50% no-2,00%. Ngokuqinisekile kuzokwengeza ukuqina okwengeziwe ohlelweni lwakho lokonga.