Akungabazeki ukuthi izinyanga zokuqala zalo nyaka bezingagculisi ekutshalweni kwemali, futhi nakanjani azikwenzeli. Izinkomba eziyinhloko zomhlaba jikelele ziye zafakwa ngokuwa okuncane okusondele ku-5%. Isimo esishubile besilokhu siyinto evamile kuzo zonke izimakethe zezezimali. Ngaphandle kwendlela echaziwe yokusiza ukuphatha isu elilungile lokutshala imali. Vele, le ngxenye yokuqala yonyaka ngeke iye emlandweni.
Kepha awulahlekelwanga yikho konke, ngoba kusasele izinyanga eziyisithupha ukuqeda unyaka. Futhi nokuthi ama-akhawunti akho aqondiswa ngokuziphendukela kwemvelo okuhle nokuzimisele kakhulu. Futhi lapho imicimbi nezindaba ezihlobene ne- umnotho womhlabai-al izodlala indima ebalulekile ekuhlanganiseni ibhalansi yokugcina emakethe yamasheya.
Uma ufuna ukuthola imiphumela emihle phakathi nalesi semester yesibili, kufanele unake kakhulu imicimbi engathinta ukuvela kwama-indices amakhulu esitoko. Kokubili kwezomnotho nakwezombusazwe. Kwezinye izimo zizohambisana, futhi kuzoba nzima kakhulu ukuzinqamula uma ufuna ukusebenza ngeziqinisekiso ezinkulu phakathi nalesi sikhathi sonyaka.
Ukhetho lukaMongameli e-USA
Lo nyaka owokhetho, futhi ngenyanga kaNovemba, kuzoba nomqashi omusha e-White House. Njengenjwayelo kulawa macala, kuya ngokuwina, ukunyakaza kwamanani kuzohluka. Futhi bangashayela noma behlise intengo yesitoko. Vele kukhona into eyodwa ecace bha, futhi lokho ukuthi izimakethe azibamukeli omengameli abasha. Futhi-ke, umongameli wase-United States uzoba omunye ngaphandle kwalowo okhona njengamanje. Kuphakathi kukaDonald Trump, noma uHillary Clinton.
Uma ezinye izinqubo zokhetho zibuyekezwa, izinyanga eziholela ekuvoteni zikude kakhulu, futhi ukuthengisa kuvame ukufakwa ngokucacile okukhulu ekuthengeni. Okungaziwa kuzoba ukulinganisa iphesenti, futhi ikakhulukazi ubudlelwane bayo nesimo somnotho samazwe omhlaba. Kuzoba yisethenjwa sokuqala ukuthi kufanele ubhekise utshalomali lwakho ngalesi sikhathi. Ngokwalo mbono, ingxenye enkulu yabahlaziyi bemakethe yamasheya abaphambili bathanda ukuthi isimo esishubile siqhubeke nokuba yingxenye yesimo ezimakethe zezezimali.
Uhulumeni omusha eSpain
Ngeke kube ukuphela kokuqokwa kokhetho phakathi nengxenye yesibili yonyaka. Kulindeleke ukuthi ngalesi sikhathi uhulumeni usuvele uzokwakhiwa eSpain, ngenxa yokhetho lukazwelonke oluzokuba ngoJuni 26. Ngokuya ngokwakhiwa kwayo, kuzoba nokuphendula okukodwa noma okunye engxenyeni yemakethe yamasheya yaseSpain. Futhi yini elindelwe ngokunyakaza okukhulu, kwesibonakaliso esisodwa noma esinye. Kuze kube yileso sikhathi, ngeke ube nokhetho ngaphandle kokulinda ngaphambi kokuvula izikhundla emalini.
Kungaba isimo kuwe ukwenza kahle ukulondolozwa kwakho kube nenzuzo. Kepha qaphela kakhulu, ngoba uma imiphumela ingakhangi kubatshalizimali kungahle kube nokuwa kokusalungiswa okukhulu, inodlame kakhulu kunokujwayelekile. Futhi ungalahlekelwa yingxenye ebaluleke kakhulu yokonga kwakho uma unezikhundla ezivulekile emakethe yamasheya. Ngezinga elikhulu, leli qiniso lizomaka i-ajenda yemakethe yamasheya yabatshalizimali abancane, okungenani izinyanga ezimbalwa.
Ukuvikela izimpahla zakho, isinyathelo sokuqala okufanele usithathe ukuyeka ukutshala imali emakethe yamasheya, kuze kube ukuxazululwa kokungaqiniseki okhethweni. Okwamanje, ungakhetha impahla yezezimali esebenza kahle kakhulu ezimakethe. Lokhu kungaba uwoyela, obezinyangeni ezimbalwa ezedlule ubesathuthukisa i- rally ebheke phezulu eyisa kumngcele we- $ 50 emgqonyeni. Futhi abahlaziyi abakhiphi ukuthi izofinyelela emazingeni aphezulu ezinyangeni ezizayo.
Investment: ukukhuphuka kwamanani
La ukukhuphuka kwezinga kubuye kube semoyeni wabatshalizimali. Ngaphambili okuphindwe kabili, ngakolunye uhlangothi i-United States, ngakolunye uhlangothi i-European Union. Futhi lokho kuzothatha isinqumo esifanayo ngokuvela kwemakethe yamasheya, ngandlela thile. Mayelana nesinqumo se-United States Federal Reserve (FED), akukho kungabaza, futhi kukalwa okungenani isilinganiso esisodwa, yize kungaphansi kwamaphesenti amancane, futhi kufana nesinqumo sangaphambilini. Lokhu kuvezwe ngamanye amalungu esigungu esiphakathi semali saseNyakatho Melika.
Uma kunjalo, kubonakala sengathi izimakethe sezivele ziluthathile lolu shintsho kumkhuba wenqubomgomo yezimali ngakolunye uhlangothi lwe-Atlantic. Futhi kusukela kulo mbono, into enengqondo kunazo zonke ayikuthinti ukuvela kwamasheya, futhi ngisho nokuncane kakhulu kweYurophu. Ukusuka kulesi simo esivamile, kubukeka sengathi ngeke kube khona ukumangala okweqile, futhi izinto zingahamba ngendlela efanayo kuze kube manje.
Mayelana nenqubomgomo yemali ebekwe yi-European Central Bank (ECB), akubonakali ngathi kukhona okwehlukile. Njengomphumela walokhu, kuzoqhubeka nokuhla kwentengo yemali, futhi lokho kuholele kumanani wenzalo basemazingeni abo aphansi kakhulu emlandweni wabo, ku-0%. Uma lo mkhuba uqhubeka, njengoba kubonakala, bekungeke kube nethonya elinqumayo emakethe yamasheya.
Noma kunjalo, uma izinto bezizoshintsha kwezinye zalezi zindawo zezomnotho, ukusabela kwamasheya kungaba nolaka olukhulu. Ukuvakashela izindawo zokuncane eminyakeni yamuva nje. Kunoma ikuphi, ngeke kube yisinqumo esinqumayo kunazo zonke ukumisa izimakethe ngale ngxenye yokugcina yonyaka ka-2016. Yize kuzokulungela ngempela ukulandela iminyakazo yayo ukunquma ukuthi yikuphi okuzoba yinzuzo enkulu kunazo zonke kulesi sikhathi.
Izimpawu ezintsha zobuthakathaka emnothweni waseChina
Izinqumo ezingaphezulu zizoba izimpawu ezintsha ezibonisa umnotho waseChina. Noma ikuphi ukwehliswa kokulinganiselwa kokukhula kwayo kuzokwamukelwa kabi kakhulu ngabatshalizimali abakhulu. Futhi lokho ngandlela thile, kuzothatha isinqumo ngokuvela kwezimakethe kusukela manje kuqhubeke. Izobe ihlobene kakhulu nentengo engahluziwe. Kuyathakazelisa ukuthi ezikhathini zakamuva zokuhweba, ukukhuphuka kwezimakethe zamasheya zomhlaba wonke kwenzeke lapho intengo yamandla amakhulu inyuka, futhi ngokufanayo.
Enye imakethe yezezimali okufanele uyiqaphele kakhulu yileyo ye- izinto zokusetshenziswa, bajeziswe kanzima ezinyangeni ezedlule. Futhi abanye ochwepheshe abacabanga ukuthi kushaye phansi ezinyangeni zokuqala zonyaka. Uma ubhekene nalesi simo osethulelwe sona, akungabazeki ukuthi kuzodingeka wazi izingqinamba eziningi, ngaphezu kwezinye izikhathi. Ngenqubo yokutshala okuningi kugcwele ubunzima futhi kugcwele izithiyo.
Naphezu kwakho konke, kunesici esisodwa okufanele sicace kuwe, futhi leso yiso Imbuyiselo yakudala emalini, kodwa futhi kumali engenayo engaguquki ngeke isabuya. Okungenani ngaphansi kwalawo maphesenti abalulekile. Kungaba umzuzu ocacile wokubheka ezinye izindlela zokutshala imali. Futhi lapho ukuvikeleka kokulondolozwa kwakho kufanele kunqobe khona, ngaphezu kokunye ukucatshangelwa. Akumangalisi ukuthi akusona isikhathi esilula ngokweqile kubatshalizimali abancane nabaphakathi, njengoba kunjalo nakuwe.
Izinkinobho zengxenye yesibili yonyaka
Ukukusiza ukuthi wakhe iphothifoliyo enesisindo futhi elinganiselayo, kuzodingeka ungenise imigqa emisha yokusebenza, ezimeni eziningi okubandakanya ukuhlukahluka kokuziphatha kwakho uma uzobuka izimakethe zezezimali. Awukwazi ukuhlala umile, futhi udinga ukufaka isimo esisha somnotho kumasu akho okutshala imali. Ngenhloso eyodwa, okungekho okunye ukuqhubeka nokwenza ukonga kwakho kube nenzuzo njengakuqala. Yize enamamaki anesizotha ngokwengeziwe, kepha aziswa ngokulinganayo.
- Hlola futhi shintsha iphothifoliyo yakho yokutshala imali kuya ngezimo ezintsha ezivela emnothweni womhlaba. Kuzoba ukuphela kwento yokwenza ibhalansi ye-akhawunti yakho yokuhlola kusukela manje kuqhubeke.
- Yehlisa kakhulu i- ukuvezwa kwemikhiqizo enolaka kanye namasheya, okungenani phakathi nezinyanga eziseduze kakhulu. Futhi ngokuphambene nalokho, zama ukubhalisela amamodeli wokulondoloza azivikele kakhulu, aqinisekisa kakhulu iminikelo yakho yezezimali.
- Zama ukusesha amamodeli aguquguqukayo ezingakwazi ukuzivumelanisa nazo zonke izimo ezimakethe zezezimali, zombili kusukela kuzimo ezi-bullish kuya kwezingama-bearish. Kuxhunyaniswe neminye imingcele yezomnotho.
- Uketshezi kuzoba isipho esithandwa kakhulu ukuthi ngeke ukwazi ukubashiya phakathi nesemester yesibili yonyaka. Ngisho noma ukuvela kwezimakethe zezimali kwanelisa kakhulu kunalokho okumenyezelwe.
- Phishekela lowo mkhiqizo wezezimali ongcono kakhulu ivumelanisa nephrofayili yakho njengomtshalizimali omncane ukuthi uyikho, futhi uyihambise ukuze ufinyelele izinhloso zakho zokutshala imali. Kuzohlala kukhona imodeli efanelekela kakhulu izici oziveza njengamanje.
- Ungahle ungaweli, kepha noma ezimweni ezimbi kakhulu zemakethe, lizohlala likhona ithuba lebhizinisi. Futhi kungaba emkhakheni ongakawuhlolisisi ngemininingwane eyanele ukuvusa intshisekelo yakho.
- Ungazami ukufuna izimbuyiselo ezihehayo ngempela, ngoba zingakudonsela ochungechungeni lwemikhiqizo yezezimali lokho azifanele kakhulu izintshisekelo zakho. Ngezingozi eziningi kunalokho ucabanga njengamanje.
- Akuwona umbuzo wokubheka amamodeli wokutshalwa kwezimali ngokweqile, kepha kunalokho, we bagxile ekuziphatheni okumaka izimakethe. Ukuqinisekisa, noma kunjalo, inzuzo encane, futhi uma ingaqinisekiswa ngokuqashwa kwayo.
- Njengenye indlela yokushoda kotshalo-mali, ngeke kulimaze ukuncika kuyo amafomethi wemvelo exubile ehlanganisa izimpahla zezimali ezivela emithonjeni ehlukahlukene. Ukumboza imali engenayo engaguquki, nokuthi imali yenkomba ingafakwa kuphi uma ufuna ukuzibeka engcupheni kancane kutshalo-mali lwakho lwasekhaya.