Izibalo zamashumi eminyaka edlule ezimakethe zezimali azithandeki kakhulu ngezintshisekelo zabatshalizimali abancane nabaphakathi. Kuyinkemba yamaDamocles yize imizwa yokutshala imali ithathe ezinyangeni ezedlule. Kepha izinombolo akuzona ezifanele kakhulu ukuthatha izikhundla kokunye ukuphepha okubalwe. Kunezinye izikhathi ezithandeka kakhulu ukwenza imisebenzi ezimakethe zezezimali. Phakathi kwazo ikota yesithathu futhi ikakhulukazi ikota yesine yonyaka. Lapho i-uptrend ivela khona cishe ngendlela ejwayelekile.
Kungenxa yalesi sizathu ukuthi kufanele uqaphele ikakhulukazi ekusebenzeni kwakho nemakethe yamasheya kusukela kulezi zinsuku. Noma kunjalo, unayo yochungechunge lwe amasu okuqhubeka nokwenza ukonga kwakho kube nenzuzo. Mhlawumbe hhayi ezimakethe zamasheya uqobo, kepha kwezinye izimakethe ezihlukile futhi ngisho nakwezimali eziholayo uqobo. Kunoma ikuphi, uma ukhetha izimakethe zamasheya, kufanele kube ngokusebenzisa imisebenzi yesikhathi esifushane kakhulu nalapho ungazuza khona emihlanganweni eyenziwa ngalesi sikhathi.
Vele, isikhundla esisodwa ongasithatha kusuka manje ukuya phambili ukugwema ukuqala noma yikuphi ukunyakaza. Ukuze ngale ndlela, ube nezimali ezanele zokusebenzisa amathuba webhizinisi angavela. kusukela ngekota yesibili yalo nyaka. Kuzoba isikhathi sokusebenzisa isimo esisikisela kakhulu esivame ukuhlinzekwa izimakethe zezimali. Futhi okubaluleke kakhulu, ngosizo lwebhalansi ye-akhawunti yakho yokuhlola ukwenza ukuthenga kube semthethweni.
I-trimester yokuqala: konke okuphikisana nakho
Izimpawu zalesi sikhathi sonyaka akuzona ezingcono kakhulu ongazithola. Ngoba empeleni, izimpawu zokuqala ziya kulolu hlangothi. Lapho ngisho nokukhula okukodwa ukulungiswa okukhulu kuma-indices ngakolunye uhlangothi lwe-Atlantic. Ngemuva kokuthi ama-majors ekwazile ukufinyelela ezingeni eliphakeme lesikhathi sonke, ngemuva kokubuyekezwa okukhulu ezinsukwini zokuqala zonyaka omusha. Futhi lokho kanye nochungechunge lokungabaza olwenziwe ngamasheya aseYurophu, kungathinta ukuthi leli kota lokuqala lifana naleminye iminyaka ezayo.
Njengoba kunikezwe lesi simo, uma sithatha njengesithenjwa okwenzekile eminyakeni eyishumi edlule, ngeke ukwazi ukuba nethemba elikhulu ngesikhathi esifushane otshalile kuso. Ukugqamisa lesi simo, kuzofanele ubheke kuphela ukuthi inkomba yesethenjwa yaseSpain, i-Ibex 35, ngenyanga kaJanuwari yehle ngo-1,4%. Lonke uphawu lokuthi yini engenzeka phakathi nezinsuku ezilandelayo. Kunoma ikuphi, ngamaphesenti afana kakhulu naleminye iminyaka.
Ngaphezu kwalokho, kule minyaka eyishumi edlule imiphumela ikulayini, njengoba uzobona kusukela manje kuqhubeke. Eminyakeni eyishumi edlule, inyanga kaFebhuwari kuyacaca ukuthi ibisidayisa cishe i-80% yesikhathi. Isikhathi esisebenze ukuze abatshalizimali abancane nabaphakathi bakhethe ukuphumula ekusebenzeni kwabo ezimakethe zezimali. Noma cishe njengezaba zokuthatha inzuzo. Ngale ndlela, yiba nemali ephelele ngaphambi kwezimakethe zezimali ezingakunikeza.
Ukuthuthukiswa kwephethini
Esinye sezici eziyinhloko ngokomlando esisinikeze lesi sikhathi esiyinkimbinkimbi sonyaka yi- ukwakheka kwephethini ye-bearish. Lokho ezimweni eziningi kuye kwaqhubeka ngokuqhubeka nezinyanga eziningi ezizayo. Kuye kwadingeka ngisho nokulinda kuze kube ngemuva kwamaholide ehlobo ukuze kube noshintsho olucacile kumkhuba walo. Konke lokhu okuphikisayo akukwenzi kube lula kakhulu kuwe ukuthi usebenze ezimakethe ngalezi zinsuku. Kepha kunalokho okuphambene nalokho, ukuze uboshwe ukuze ubone ukuthi ukuvela kanjani kwezimpawu eziyinhloko zemakethe yamasheya, kuzwelonke nangaphandle kwemingcele yethu.
Ngalo mqondo, kunesisho esithandwa kakhulu ngabatshalizimali esibhekisa kulokho okuzothengwa ngo-Okthoba bese kuthengiswa ngoFebhuwari. Lokhu kungaba elinye lamasu ongawasebenzisa ngalesi sikhathi esinzima sonyaka. Noma kunjalo, isipiliyoni seminye iminyaka Lokhu kufakazelwa ngokuhambisana okukhethekile. Ukufika eqophelweni lokuthi kungaba ngaphezulu kwalokho okulahlekelayo kunalokho okuzuzayo. Ukuba semalini ephelele kungaba yisixazululo esihle kuzo zonke izinkinga zakho emakethe yamasheya.
Kunoma ikuphi, lokho ongeke wakunikela nganoma iyiphi indlela uzama ukuthola amathuba webhizinisi langempela. Ngoba empeleni, ungangabazi ukuthi lokhu kuzokwethulwa, noma ngabe isimo esivamile asisihambisani nentshisekelo yakho. Ukuthenga amathuba ezimali kuhlala kukhona. Yize ngamathuba amaningi azomelwa ngu amanani womugqa wesibili. Banamathuba amaningi okuthuthukisa lezinhlangano. Akumangalisi ukuthi babonakala ngeqiniso lokuthi amanani abo azimele kakhulu kunezikhombo zezinkomba zezimakethe zamasheya.
Yimaphi amasu ongawasebenzisa?
Ubhekene nala mathemba amabi ahlinzekwa yilekota yonyaka, amasu ongawasebenzisa ukuvikela izintshisekelo zakho njengomtshali-zimali omncane nophakathi ahlukile. Kusuka ezinhlangothini ezahlukene zezenzo ezikuvumela ukwehluka okuphelele kokunyakaza kwakho ezimakethe zezezimali. Kulesi simo, ungangenisa ezinye zezeluleko esizokunikeza zona ngalesi sikhathi.
- Ngaphambi kokutshala imali oyongele futhi, ungazinika i- ukuphumula kwesikhashana Uze ucabange nokuthi izinjongo zakho ezilandelayo zokutshala imali zizoba yini. Ukuze ngale ndlela, kulo nyaka ube nezinto ezicacile ebudlelwaneni bakho nezwe lemali.
- Yisikhathi esihle sokwenza uchungechunge lotshalomali lube semthethweni obekukhohliwe kuze kube manje. Ingxenye enhle yazo ivela imikhakha ehlukile. Kepha futhi nokubuyela okusha kumholo ohleliwe. Yize kungukukhokhelwa ukusebenza okungekuhle kangako. Lapho kuzokubiza khona kakhulu ukweqa isithiyo esingu-1,50%.
- Ungazami ukuphoqa utshalomali lwakho emakethe yamasheya. Uma kungesona isikhathi sokutshala imali yakho, awudingi ukuphula ikhanda lakho. Lesi sikhathi kuzodingeka ulinde futhi ulinde izikhathi ezingcono zokubuya ezimakethe zezimali. Banjalo nje.
- Uma, naphezu kwakho konke, uthatha isinqumo sokwenza utshalomali okungukuthi ngemali engekho kakhulu. Kuzoba yindlela ephumelela kakhulu yokuvikela imali yakho ezimeni ezingezinhle ngezintshisekelo zakho njengomtshali-zimali. Awudingi ukuzibeka engcupheni ngaphezulu uma kufanele ngempela.
- Imisebenzi yakho kufanele ibe iguquguquka kakhulu futhi ngaphezu kwakho konke kubalwa imigomo emifushane. Kuzoba isikhathi esifaneleke kakhulu sokusebenza ngalesi sikhathi sonyaka. Ngaphezu kwezinye izindlela ezibhekiswe esikhathini esimaphakathi neside. Kuzoba nesikhathi sokwenza.
- Ngaphambi kokutshala imali yakho, zindla kaningi uma kunesidingo sokuthi wenze ama-oda wokuthenga. Ekugcineni, lesi sinqumo sizosekelwa ku isinqumo esicatshangelwe kahle. Njengecebo lokuthi ufeze izinhloso zakho ngesiqinisekiso esikhulu sempumelelo. Ngeke uzisole ngalezi zenzo ezinyangeni ezimbalwa ezizayo.
- Mhlawumbe umzuzu ofanele kakhulu uku vala izikhundla zakho emakethe yamasheya. Ikakhulukazi uma izikhundla zakho zingabanqobi. Ngeke kulunge ukushesha ukutshala imali kwakho ngoba umvuzo ongawuthola ngeke ukunxephezele ekwenzeni lezi zinqumo.
Ayini amanani amasu?
Kunoma ikuphi, uma uqhubeka nenhloso yakho yokuhlala uxhumene nezimakethe zezimali, unochungechunge lwamanani angahle athande izintshisekelo zakho. Ngengozi ephansi kokuphikisana kwakho futhi lokho kungaqala kusuka kuziphakamiso ezilandelayo.
Amanani kagesi: yibo abenza kahle kakhulu ezimeni ezimbi kakhulu kuma-equities. Ngaphezu kwalokho, basabalalisa abaninimasheya ngezabelo ezinenzuzo efinyelela ku-7% ngonyaka. Okuhloselwe isikhathi saphakade esikhathini esimaphakathi neside. Ongazimboza ngayo uma izinto zingahambi njengoba ubucabanga ekuqaleni. Ngochungechunge olubanzi kakhulu lweziphakamiso nokuthi yini okubaluleke kakhulu, okuhlukahlukene ngokuphelele. Ukukusiza ukufeza izinhloso zakho.
Amanani okuphephela: zingabantu bakudala kulezi zimo ukuthi onhlokodolobha abakhulu babakhombe ngamandla amakhulu. Ngaphandle kweqembu langaphambilini, eminye imikhakha efana nemigwaqo yezimoto, ukudla noma ezinye izinkampani zokwakha zifakiwe kuleli qembu elikhethiwe. Ukuvela kwayo ezimakethe kungaba kuhle, yize kudlula izikhathi ezingaphezu kwezinzima. Kuyisikhathi lapho kungakuhle kakhulu ukuthatha izikhundla kunoma yisiphi salezi ziphakamiso.
Kubhalwe ohlwini kunesabelo sokwahlukaniswa: Enye indlela onayo ngalesi sikhathi sonyaka ukuthenga amasheya ezinkampanini ezinenzuzo ephezulu yesabelo. Kuzoba yindlela yokwakha imali engenayo ngaphakathi kokuguquguqukayo. Ngaphandle kwezingozi ezeqile ekuthatheni izikhundla ngokunembile ngenxa yalesi sizathu. Ngaphezu kwalokho, uzoba nezinye izindlela eziningi zokwenza leli qhinga lisebenze kutshalo-mali langempela.
Ngaphandle kokukhohlwa ukuthi ungaphinda uthole inkontileka yentela yesikhathi ekushiyela inzalo esondele ku-1%. Ngale ndlela, uzokwazi ukubeka imali yakho ngendlela ephephile nephephile. Ngenzuzo encane eminikelweni eyenziwe. Ngaphandle kokuxhumana nezimakethe zezimali ngesikhathi sazo sokusebenza unomphela.