Ngokumangazayo, idatha yokuqashwa yenziwe e-United States obekungalindelwe muntu, ngisho nabenzeli ezimakethe zezimali. Ukuthi idatha yokuqashwa kwabantu baseMelika ngoMeyi ikhombise ukwakhiwa kwamaholo angaphezu kwezigidi ezi-2.5, ukwehla kwezinga labantu abangasebenzi kwaba ngu-13.7%, uma kuqhathaniswa ne-19% ebilindelwe ezinsukwini ezidlule. Ngesikhathi lapho ukunwetshwa kwe-coronavirus kuyiqiniso emhlabeni wezomnotho kuwo wonke amazwe emhlabeni. Kunoma ikuphi, lokhu kuyidatha enikeze umfutho omusha ezimakethe zezezimali, ikakhulukazi njengoba ingazange icatshangwe ngabatshalizimali abakhulu.
Kulesi simo jikelele, ukuvuselelwa komkhakha wezabasebenzi ngokungangabazeki kunikeze umfutho obheke phezulu ezimakethe zamasheya, ngerali enamandla kakhulu yama-indices amakhulu eWall Street. Ukukhuphuka kwezikhundla ngisho nokuthola isikhundla esihle sokulangazelela ama-high-time alls kusuka kulo mzuzu kuqhubeke. Akumangalisi ukuthi, asikwazi ukukhohlwa ukuthi i-Nasdaq 100 isivele ikulesi simo esizuzisa kakhulu kubo bonke abasebenzisi be-stock market. Lapho amasheya amakhulu aqhubeka nokukhula ngaphandle kwalezi zimo. Ngeqhaza elibheke kakhulu okhethweni lukaNovemba oluzayo nakuDonald Trump ufisa ukuphinde aqokwe.
Kunoma ikuphi, imininingwane emangazayo yokuqashwa e-United States ingaba nomphumela opholile nakubatshalizimali ezimakethe zezimali ezwenikazi elidala. Okungenani esikhathini esifushane futhi ngenkathi igciwane lomgudu wokuphefumula lingakanqotshwa ngokuphelele. Ikakhulu ngoba konke bekubonakala kukhombisa ukuthi kuzophuma idatha embi kakhulu kunalokho okushiwo izibalo ezisemthethweni. Kepha lokho kungenzeka kungabi nokuhamba okuphezulu ngaphezu kwezikhathi ezimbalwa zokuhweba. Ngesikhathi lapho izimakethe zamasheya zibhekene nezinsizakalo ezibaluleke kakhulu nokuthi ukuvela kwezimakethe zamasheya zomhlaba wonke kuzoncika kuphi. Okuthile okuzothatha isikhathi esithile ukuqonda konke ngamandla alo.
Umthelela wedatha yokuqashwa
Imininingwane emangazayo yokuqashwa e-United States ingaba nemiphumela emihle kakhulu kweminye imikhakha yesitoko kuneminye. Yibo kanye labo asebeke bawa kakhulu kulesi sikhathi esiyingqayizivele nokuthi kusukela manje bangaqala baziphathe kangcono ezimakethe zezimali. Ngenkathi kokunye, kuyadingeka futhi ukugcizelela iqiniso lokuthi le datha ingaba iphuzu elihlukile ekuguqukeni kwezimakethe zokulingana. Okungenani yilokho ingxenye enkulu yabatshalizimali abancane nabaphakathi abanethemba lokuthi izimakethe zamasheya zenze iphansi elingaguquguquki kakhulu enkingeni ebangelwe ukwanda kwe-coronavirus.
Ngakolunye uhlangothi, kubaluleke kakhulu futhi ukugcizelela ukuthi idatha yokuqashwa e-United States kumele ixhaswe yilezo zezinyanga ezizayo. Ngamanye amagama, kufanele kube nokuqhubeka kungabi nesimo esithile, njengoba kukhonjisiwe ngochwepheshe abathile kwezomnotho wamazwe omhlaba. Ngokombono, ngeke kube khona okunye ongakwenza ngaphandle kokulinda izinyanga ezimbalwa ukubona ukuvela kokuqashwa kuleli zwe elibalulekile. Ukuze ngale ndlela, isinikeze imihlahlandlela yokuthi sihlangene ngani nemakethe yamasheya ezinyangeni ezizayo. Kuyafaneleka ukulinda kancane ukuze uqiniseke ngokwengeziwe ngalokho okumele sikwenze ngezimali zethu. Ngaphandle kwezintengo zokuthenga lapho kungenziwa khona ukuthengiselana kwesitoko.
Vusa ukubhoka emakethe yamasheya
Lapho imakethe iphuka kancane, ukungazinzi nokwesaba kuyanda, ngenkathi umuzwa wokungatshali imali engxenyeni yabatshalizimali abancane nabaphakathi ukhula. Akukho ukwethembana futhi “izandla ezinamandla” azikho emakethe. Kuyisimo esihle sokuthi kwenzeke ukubuyela emuva futhi. Esimweni esinjalo, ukuthola izizathu zokuba nethemba kunzima futhi kunzima ukuthi imali iye ku imigqa isitoko. Abatshalizimali bayantengantenga, ukuthengisa kuyaqhubeka futhi umuzwa wokuwa mahhala uyabusa.
Okuthengisiwe kunamaphesenti aphakeme kakhulu, kokunye okungajwayelekile. Kungaleso sikhathi lapho, ngokumangala, le nhlangano inyukela phezulu okwesikhashana ebamba ngejubane eliguqukile ukungapheli kwabasindisi abangenakho ukuzethemba emalini ngoba bakholelwa ukuthi amanani entengo azokwehla kakhulu kumaseshini alandelayo. Okuhlangenwe nakho kokuvela kwezimakethe zamasheya kukhombisa ukuthi ukukhuphuka akunamkhawulo noma ukuwa okungapheli. Lokhu kusho ngemuva kwakho konke ukuthi imininingwane emisha yokuqashwa e-United States ingadala ukubuyela ezimakethe zezimali zamazwe omhlaba. Kepha qaphela kakhulu, kuphela lokho njengoba ukuthambekela okuphansi kungabonakala ku-bearish noma okungenani kuhambisane.
Kunoma ikuphi, ukubuyela emuva kwalezi zici kungaba nokusetshenziswa okuphindwe kabili. Ngakolunye uhlangothi, ukusizakala ngokwenza imisebenzi eshesha kakhulu, kwenziwe ngisho nasenkathini efanayo yokuhweba. Ngenkathi ngakolunye uhlangothi, zisebenza njengecebo lokutshala imali ukuthengisa izikhundla kwizibambiso ngentengo engcono kunakuqala. Kuze kube seqophelweni lokuthi ukulahlekelwa ngeke kuphakame njengakwezinye izimo ze-bearish. Njengomcimbi wokulungisa amanani uma isikhathi sokuhlala sizoqondiswa ezinyangeni eziningi. Akungabazeki ukuthi ukuwa okukhulu okwenzekile ezimakethe ngenxa yomphumela we-coronavirus kungadala lesi simo ezimakethe zokulingana emhlabeni wonke.
Zivelaphi izikhwama?
U-2019 ngomunye unyaka wamabhuku okuqopha emakethe yamasheya. Njengoba kulinganiswe i-S & P 500 Index, imakethe ibikhuphuke nge-29% emangalisayo ngonyaka odlule. Kunzima ukuphikisana nalolo hlobo lwempumelelo, ikakhulukazi lapho isigaba samanje sezimakethe zezinkunzi sisondela onyakeni we-500. Impela ufuna ukugcina ingxenye enkulu yephothifoliyo yakho emakethe, ikakhulukazi esikhwameni sezinkomba esiboshelwe kwi-S & P XNUMX. Ayikho imakethe yezinkunzi ehlala kuze kube phakade, kepha lena ayikhombisi zimpawu zokwehla.
Noma kunjalo, umhlangano omkhulu kangaka wonyaka owodwa - wephuze kakhulu emakethe yezinkunzi - kungaba uphawu lokuthi sekuyisikhathi sokuqapha kancane. Lokho akusho ukunciphisa izenzo zakho. Esikhundleni salokho, ungahle uthande ukukhetha ngokukhetha imikhakha engaphandle kwe-S & P 500 kuphela. Noma imakethe yonke incipha, imikhakha ethile isenamandla amakhulu okukhula okuqhubekayo.
Futhi emkhakheni wezamandla, akunakuphikwa ukuthi ukuguquguquka kwesimo sezulu kuya ngokuya kube yinkinga eshisayo kwezepolitiki. Manje leso kungaba yisikhathi esihle sokubhekana namandla ahlanzekile. Isikhwama esikhethekile kulesi sigatshana yi-iShares Global Clean Energy ETF (ICLN). Kwakungekude kakhulu emuva. Phakathi nezinyanga eziyi-12 eziphela ngoNovemba 30, 2019, lesi sikhwama sasibuyiselwe u-25,41%. Amandla ahlanzekile angaba ngomunye wemidlalo emihle kuyo yonke le minyaka eyishumi.
Ama-Trust Investment Wempahla
I-real estate ikhombise ukuthi ingolunye lotshalomali oluhamba phambili ngaso sonke isikhathi, nembuyiselo eqhathaniswa ne-S & P 500 ngokuhamba kwesikhathi. Kepha ukuba nempahla kungaba umsebenzi nokutshala imali. Ngaphezu kwalokho, ukuthenga izakhiwo ngazinye kuyimali enkulu, futhi kungakushiya uvulekele abaqashi abangakhokhi irenti, nezinyanga zomholo olahlekile phakathi kokuqashwa.
Uma ufuna ukutshala imali ku-real estate, kepha ungafuni ukubeka imali yakho oyongile noma ukungcolisa izandla zakho, enye yezindlela ezinhle kakhulu ukutshala imali ngezimali ezihlanganyelwayo zempahla ethengiswayo.
U-Anthony Montenegro, umsunguli weBlackmont Group, ucaphuna imithetho emibili edumile kaWarren Buffet yokutshala imali: Umthetho wokuqala: ungalahli imali. Umthetho wesibili - khumbula umthetho wenombolo eyodwa. "Yize amathuba okukhula eningi ngo-2020, kuwumqondo omuhle futhi ukugcina isu lokuvikela ngenxa yokwanda kokungaqiniseki kwezimakethe," kweluleka uMontenegro. “Ngokukhula kwesixakaxaka kwezombusazwe kanye nempi yezohwebo engakaxazululwa, imikhakha emibili ezinzile ukukhuluphala ngokweqile ngo-2020 iyizinsiza ikakhulukazi izakhiwo. Ungaba ngumnikazi wezezakhiwo ngama-REIT. Lokhu kubanjwa kuyaqhubeka nokuklomelisa isivuno sezabelo esingaguquguquki, kugcina ukuqina okuphansi kuqhathaniswa ne-S & P. Futhi kabathinteki kumanani entengo okuhweba ngoba ingcebo ayincikile kokungeniswa kwempahla ezweni.
Izakhiwo ezikhethekile
I-REIT ifana nesikhwama sokutshala imali esinezakhiwo ezithile. Ngokuvamile bagxila emikhakheni ethile, njengezakhiwo zamahhovisi, indawo yokuthengisa, noma izindawo zokugcina. Kepha mhlawumbe ukukhetha okungcono kakhulu kowezi-2020 nangaphezulu kuzoba ama-Apartment REITs. Njengoba izintengo zendlu zikhuphuka ngaphezu kwebanga lokukhokhela ezimakethe eziningi zomsebenzi ezinhle kakhulu, ukuqasha kuba yindlela yokuzikhethela yezindlu.
Isibonelo esivelele sefulethi i-REIT yi-Equity Residential Property Trust (i-EQR). I-trust ingumnikazi noma ifaka imali ngaphezulu kwezakhiwo ezingama-300 ezisezimakethe ezisezingeni eliphakeme njengeNew York City, Washington DC, Boston, Southern California, San Francisco, Seattle naseDenver. Njengoba amanani ezindlu ekhuphuka ngokuqinile kulezo zimakethe, amafulethi kufanele aqhubeke nokufunwa kakhulu ngekusasa elibonakalayo. I-EQR ikhiqize imbuyiselo isiyonke engaphezu kuka-25% ngonyaka odlule.
Ama-REIT amafulethi angaba ngenye indlela eqinile kwiphothifoliyo yesitoko, enikeza izinzuzo ezinhle noma ngabe imakethe yamasheya ithengisa. Ngakolunye uhlangothi, akukwazi ukukhohlwa ukuthi ukunakekelwa kwezempilo kuvame ukuba umkhakha ohlala njalo, noma ngabe imakethe ejwayelekile ingaziphathi kahle. Yize umkhakha wezokunakekelwa kwezempilo uwonke usele ngemuva kwe-S & P 500 ngo-2019, i-SPDR S&P Biotech ETF (XBI) ilethe ukubuya konyaka owodwa okucishe kube ngu-30%. Ingamelela ithuba lokuqhubeka nokwenza izimbuyiselo ezinamadijithi amabili noma emakethe yokubambisana engaphansi.
"Yize umkhakha wezokunakekelwa kwezempilo we-S & P 500 ulinganisela ukukhula kwemali engenayo ngo-2020 wama-12%, kodwa ithengisa ngesaphulelo kuya ekukhuleni kwayo ngentengo engu-17x / amaholo amaningi," kuphawula umnikeli. Ovela eForbes, eRandy Watts. “Isilinganiso se-S & P 500 semali yokukhula kwemiholo ngo-2020 singama- + 9% futhi sidayisa ngenani lentengo ephindwe kaningi kali-17. Sisola ukuthi njengoba kunikezwe umnotho womhlaba obuthakathaka njengamanje, ukukhula kwamaholo we-S & P 500 kungenzeka kudumaze ngonyaka ozayo, ngenkathi imiholo yokunakekelwa kwezempilo kufanele izinze.
Uma unesifiso sobungozi, umkhakha wamandla ungakufanelekela ukubukeka okuhle. Akukhona nje kuphela ukuthi umkhakha wenziwe kabi emakethe jikelele eminyakeni yamuva nje, kepha isimo se-geopolitiki e-Middle East ecebile ngamafutha sibonakala sishisa, ikakhulukazi phakathi kwe-US ne-Iran. Noma yikuphi ukuphazamiseka okuphawulekayo kumafutha ageleza evela kuleso sifunda kungadala amandla okugcwala kakhulu ebhodini.
Tshala imali kuwe
Kunezindlela ezimbili zokwenza lokhu kutshalwa kwezimali kukusebenzele:
Thola amakhono kanye / noma izitifiketi ezizokusiza uthuthuke emsebenzini wakho wamanje, noma
Thola amakhono kanye / noma izitifiketi ezizokusiza ukuqalisa umsebenzi omusha.
Esinye sezizathu esiyinhloko sokumiswa kwemisebenzi ukungabi neziqu. Lokho kungaba isitifiketi esibalulekile emkhakheni wakho womsebenzi, noma isethi yamakhono ethile ezokuvumela ukuthi uthuthuke.
Imvamisa ungazuza lezi ziqu ngokuthatha izifundo zasekolishi, izifundo eziku-inthanethi, noma ngisho nokuhlanganyela ezinhlelweni ezinikezwa embonini yakho. Futhi ungahlala uthola amakhono angeziwe ngokuthatha izifundo ezifanayo, noma ngokufaka isicelo sezinhlelo ezikhethekile ze-inthanethi kunoma yiliphi ikhono olidingayo. Ungafunda ngisho namakhono amasha ku-YouTube.
Noma ngabe ikuphi ukuqondiswa okwenzayo, kuzodinga utshalomali lwesikhathi, umzamo, yebo, inani elithile lemali. Kepha uma lokhu kukhulisa imali oyitholayo emsebenzini, noma ukukwenyusela esikhundleni, kuzoba ngolunye lwezimali ezinhle kakhulu ongazenza. Kungenzeka futhi ukuthi awuliboni ikusasa elibucayi emsebenzini wakho noma emsebenzini owenzayo. Uma kunjalo, ukutshala imali kuwe kubaluleke kakhulu. Ungadinga ukuthatha isikhathi wenze ukutshalwa kwemali ukuze uthole amakhono kanye nezitifiketi ozozidinga ukuthola umsebenzi omusha, noma ukufaka umkhakha omusha ngokuphelele.
Imakethe yemisebenzi ngekhulu lama-XNUMX isesimweni sokuguquguquka njalo. Ukuphela kwendlela yokuhlala efanele emsebenzini wakho ukuzigcina wena namakhono akho phambili. Futhi kwesinye isikhathi udinga ngisho nokwenza ushintsho lomsebenzi. Ukutshala imali kuwe, uzolungela noma yimuphi umphumela.
Faka imali ebhizinisini eliseceleni
Ngokocwaningo lwango-2018 lwenkampani yomshwalense, iThe Hartford, ama-25% aseMelika anebhizinisi eliseceleni. Izinombolo ezinjengalezo zikhombisa ukuthi akugcini nje ngokuba umkhuba ojwayelekile, kepha insimu inkulu ngokwanele ukuqala imisebenzi yakho esizeni.
Enye yezinzuzo zokuqala ibhizinisi eliseceleni namuhla ukuthi kunezindlela eziningi zokwenza lokho ezingadingi imali enkulu yokuqala. Okungenani, kungadingeka ukuthi utshale imali ama-dollar angamakhulu ambalwa, noma kungabi ngaphezu kwezinkulungwane ezimbalwa zamaRandi. Kepha imali ethe xaxa ezokukhiqiza ingakubuyisela emuva kaningi.
Kunezizathu eziningi zokuthi kungani abantu beqala amabhizinisi asohlangothini, ukukhiqizwa kwemali eyengeziwe kuphela okusobala kakhulu. Kepha njengoba abantu abaningi bezizwa bevaleleke emisebenzini yabo ejwayelekile, ibhizinisi eliseceleni linikeza nethuba lokwelula amaphiko akho, imvamisa ukwenza uhlobo lomsebenzi owuthandayo.
"Baningi abantu namuhla abanganelisekile ngokomzwelo nangokwezimali ngomsebenzi abawenzayo njengamanje," kusikisela uTom Diem weDiem Wealth Management eFort Wayne, eIndiana. “Ukuqala ibhizinisi elihlukile kungaba yinto yokuvala lezo zikhala. Lesi yisikhathi sokufunda ngezindlela zokukhiqiza ukuthola imibono yokuthi ungenza kanjani ukuthi ibhizinisi lakho lisebenze. Kuzothatha amahora amaningi ukwengeza emsebenzini abawenzayo njengamanje, kodwa kwabaningi kuba ngumthombo oyinhloko wemali engenayo nengcebo. "
Esinye sezithiyo ezinkulu ukuqala ibhizinisi eliseceleni ukunquma ngqo ukuthi yiliphi ibhizinisi okufanele ungene kulo. Ukusebenza kanzima, njengokushayela umshayeli we-carpool, sekuthandwa kakhulu. Kepha ungagxila kunoma yimaphi amakhono noma amathalente athile onawo. Cabanga ngemisebenzi oyenza emsebenzini wakho nsuku zonke, kanye nanoma yimaphi amanye amakhono ahlobene non-ibhizinisi onawo. Ngabe ikhona indlela yokuthi ungathengisa izinsizakalo zakho ngqo kubathengi noma kumabhizinisi amancane? Ayikho imakethe yezinkunzi ehlala kuze kube phakade, kepha lena ayikhombisi zimpawu zokukhathala.