Akusafanele ulinde uMsombuluko ukuhweba ngamasheya, kepha amanye ama-stock indices nemikhiqizo yezezimali iyatholakala ngezimpelasonto. Eminyakeni yakamuva, inketho yokusebenza kumathuluzi ezezimali ibilokhu ivulwa ngeMigqibelo nangeSonto, ngisho nakwezimakethe ezintsha ezinjengemali ebonakalayo.
Kuze kube manje, ukutshalwa kwezimali emalini kulandele izinyathelo zezinsuku zokusebenza, kusukela ngoMsombuluko kuya kuLwesihlanu, kokuba nezikhundla ezingenakunyakaziswa phakathi nezimpelasonto. Kusukela ngoLwesihlanu ntambama, abatshalizimali bebengenayo enye indlela ngaphandle kokuphumula kuze kube uMsombuluko wokuqala ukuqalisa ukusebenza ezimakethe zezezimali.
Ngonyaka wezimali ka-2018, kufakwe nezinsuku eziyisithupha zama-festina, nezinye izikhathi ezimbili zokuvalwa kwangaphambi kwesikhathi kuma-stock stock aseSpain izimakethe zezinketho (MEFF) kanye nezikweletu zezinkampani (AIAF). Mayelana nezimakethe zomhlaba wonke, lo mkhuba ubuswa izindlela ezifanayo cishe kuzo zonke izimakethe zabo ezibalwe.
Ukutshalwa kwezimpelasonto: amamodeli
Kodwa-ke, lo mkhuba uyashintsha njengomphumela wokwenyuka kokuguquguquka okukhiqizwe ezimakethe zezimali kanye ne ukubukeka kwemikhiqizo emisha Basebenza nangezimpelasonto. Kuze kube seqophelweni lokunikeza ithuba lokutshala imali kulezi zikhathi kusengakafundwa yingxenye enkulu yabasebenzisi futhi kusizakale ukuhamba kwezimpahla ezehlukene zezimali ukwenza ukonga kube nenzuzo. Lokhu kunikezwa kuyanda njalo ngoba imali ayiqondi imingcele yesikhathi sokuhamba ezimakethe.
Mayelana nezimakethe zamasheya, iningi lezitezi zokuhweba zigcinwa zivaliwe phakathi nazo zonke izimpelasonto zonyaka. Kuyisivumelwano esesinesikhathi eside sisebenza, kepha asisebenzi ezindaweni ezithile. Ngoba kwezinye izimakethe ezingajwayelekile ungatshala imali kulezi zinsuku zeviki ezixhunyaniswe nokuphumula nokungcebeleka. Lokhu kunjalo ngokuhwebelana kwamasheya akwa-Israyeli nawase-Saudi Arabia, okuthi ngenxa yezici ezikhethekile zezinkampani zabo kuvumele abatshalizimali ukuthi basebenze ngamanani ezinkomba zabo.
Izimakethe zangemuva kwamahora
Kunoma ikuphi, inkinga enkulu ekwaneliseni lesi sifiso ukuthi kunzima kakhulu ukusebenza nalezi zimakethe ezivela ku wabathengi nabalamuli bezezimali baseSpain. Ngeke sibe khona esinye isixazululo ngaphandle kokuthola ibhizinisi okuthi uma uqoqa le nsizakalo ekhethekile yezezimali. Futhi kunoma yikuphi, ngaphansi kwe- some amakhomishini afuna ngenkani kunaseYurophu noma eNyakatho Melika. Lapho imishado yokulamula ingaphindwa kabili noma iphindwe kathathu ukuvula izikhundla kwizibambiso ezibalwe.
Okulula, futhi ngasikhathi sinye okusebenzayo, ukuya ezimakethe sengathi kungukuthi ukuhweba emva kwamahora e-United States. Ikakhulu, ukufeza imisebenzi ethathwe kokunye ngalezi zinsuku zeviki. Ngamathuba amakhulu okuthola inzuzo enkulu yemali ngenxa yokuguquguquka kwamanani ayo, kepha ngengozi efihlekile edlula leyo yeminye imikhiqizo yezezimali. Kodwa-ke, enye yezimakethe ezisebenza kakhulu phakathi nezinsuku zokugcina zesonto ikusasa lesitoko. Ukuze wenze lokhu, akukho okunye ongakwenza ngaphandle kokugxila kuzinkomba ezinkulu zamazwe omhlaba: Dow Jones, Nasdaq noma i-Eurostoxx. Zisemsebenzini oqhubekayo nsuku zonke, ngaphandle kokuphumula.
Usebenza ezimakethe zomhlaba jikelele
Lapho bebhekene nanoma yisiphi isiyaluyalu ngezimpelasonto benza nge ukungazami okukhulu ukuguqulwa kwamanani abo. Ngakho-ke, abatshalizimali abathanda ukuxhumana nezwe lemali bazokwazi ukusebenza nalezi zimakethe ngenkululeko ephelele kusuka kuzingxenyekazi ezibaluleke kakhulu zezezimali. Umehluko wentengo uphakeme kunotshalo-mali lwendabuko futhi ngenxa yalesi sici amathuba avulekile ukuze imisebenzi ibe nenzuzo ethe xaxa.
Ngaleli qhinga kungenzeka futhi ukuhweba ngekusasa lezinkomba zase-Asia ezamukela kakhulu lolu hlobo lokuhamba ngamanani. Njengesibonelo, kuzikhungo zokubhekisisa ezifana ne- UNikkei 225 noma iHang Seng yaseChina. Kunoma ikuphi, lezi zimakethe zivumela ukulindela ukuthatha izikhundla lapho kuvulwa ngaphambi kwezimakethe zezwekazi elidala. Kusukela phakathi kwamabili bazobe sebesebenzela noma yiluphi uhlobo lokuthenga noma ukuthengiswa kwamasheya noma ikusasa.
Ukutshala imali ngezimali ezibonakalayo
Enye yezindlela zokuvala lesi sikhala esisele ekutshalweni kwezimali ngezimpelasonto imelwe ezinye ze cryptocurrencies efanele kakhulu okwamanje. Njengasesimweni esithile se- bitcoin efakwe ohlwini emakethe elawulwa yiChicago. Ngakolunye uhlangothi, ibuye imelwe nekusasa lale mali ebonakalayo noma ngoshintsho lwayo ngezimali eziyinhloko zemakethe: idola, i-euro noma i-yuan yaseChina. Ngalesi sikhathi, kusuka kuzingxenyekazi ezithile zokutshala imali online.
Uma ucabanga ukuthi imali ebonakalayo iyimodeli yotshalo-mali olunenzuzo enkulu, qiniseka ukuthi awunaphutha. Kepha kunjalo kusukela cishe izindlela ezinolaka kakhulu kunalabo ababedalulwe phambilini. Akumangalisi ukuthi izingozi ozifaka ekusebenzeni zingaphezu kokungabaza. Ukufika ezingeni lokuthi ungashiya ingxenye enhle yemali etshaliwe. Isikhathi sokucabanga sizofika bese uzibuza ukuthi ngabe kufanele yini ukukhetha lokhu kutshalwa kwezimali okuyingozi. Kuningi okulahlekelayo kulezi zimpahla zezimali ezikhethekile, kodwa ezintsha.
Usebenza ezimakethe zikazwelonke
Uma ufuna ukutshala imali yakho ngesikhathi esingalungile, okungukuthi, ngaphandle kwamahora ajwayelekile, izimali zikazwelonke ezikunikeza amathuba ambalwa kunezimakethe zomhlaba jikelele. Kuze kube seqophelweni lokuthi amathuba okuba mancane futhi ngaphezu kwakho konke anqunyelwe kakhulu ngokunikezwa okunikezwa yilezi zimpahla zezimali ngalesi sikhathi esiqondile. Ngokuyisisekelo kuzofanele uphendukele ezimakethe zesikhathi esizayo zemakethe yamasheya aseSpain. Kepha kunoma yikuphi, ngaphansi kwemisebenzi eyinkimbinkimbi kakhulu engahle ingagculisi izintshisekelo zakho emkhakheni wokutshala imali.
Ngakolunye uhlangothi, awukwazi ukukhohlwa nganoma yisiphi isikhathi ukuthi lokhu kungenye yokutshala imali kwendabuko imvamisa kubiza kakhulu kumakhomishini ukuthi imisebenzi yabo ifaka phakathi. Ngokwanda kwamanani angafika emazingeni asondele kakhulu ku-30%. Kufana nokuzibuza njengamanje ukuthi uyafuna ngempela yini ukungena kulezi zimakethe ezikhethekile. Ikakhulu lapho unokunye okukhangayo ngaphandle kwemingcele yethu. Ngaphezu kwalokho, ngobungozi obuningi obufihlekile emsebenzini ngamunye owenziwe kulezi zimakethe zezezimali.
Izinzuzo kulolu hlobo lokutshala imali
Kufanele futhi uzibuze ukuthi yiziphi izinzuzo zokwamukela le misebenzi ezimakethe zezimali. Ngoba ekugcineni kosuku sikhuluma ngokutshalwa kwemali okuhluke kakhulu cishe kuyo yonke imishini yayo. Ngalo mqondo, kulula kuwe ukuthi wazi ukuthi yiziphi izinzuzo ozozithola ngokukhetha lolu hlobo lotshalo-mali olungajwayelekile. Okungenani maqondana nabatshalizimali abancane nabaphakathi abanephrofayili yokuzivikela noma yokulondoloza. Futhi phakathi kwalezi esiziveza ngezansi zivelele.
- Akudingeki ukuthi uzikhawulele amashejuli ajwayelekile futhi ngale ndlela usesimweni sokwandisa amathuba akho okwenza ukonga kwakho siqu kube nenzuzo. Noma ngabe kusenkingeni yokuthola ubungozi obukhulu ekusebenzeni.
- Ngiyakwazi khetha amafa ezezimali ahlukile. Kusuka kokunye kwendabuko kakhulu kuya kwabanye okusha ngampela futhi obekuzimakethe zezezimali isikhathi esifushane kakhulu. Uzoba nomnikelo obanzi lapho ungabeka khona imali oyongile kusuka manje. Ngokuya ngomzuzu wokuhlangana umnotho wamazwe womhlaba uyaqhubeka.
- Njengoba kushiwo kahle ukuthi imali ayilali, ungafinyelela izimakethe kuze kube izinyanga ezimbalwa ezedlule bambalwa abahlola ngabalamuli bezezimali. Ezinye zazo zingaba nenzuzo enkulu futhi leli yithuba lokuvula izikhundla kuzo.
- Kulesi sigaba sokutshala imali ungathuthukisa okulindelwe ukukhula ezikunikeza olunye uhlobo lwemisebenzi ejwayelekile kakhulu. Ukufika ezingeni lokuthi bangasiza ukwengeza zonke izinhlobo zokusebenza, futhi cishe ngaphandle kwemingcele kumasu asetshenzisiwe kusukela manje kuqhubeke.
Ubungozi kule misebenzi
Ngokuphambene nalokho, ukukhetha kwezimakethe ngaphandle kwamahora ajwayelekile kudinga ukunakekelwa okukhethekile ngenxa yezici ezikhetheke kakhulu zale misebenzi ezimakethe zezimali. Phakathi kokunye lezo esizikhomba ngezansi.
- Kufanele unikeze ifayela le- Okuhlangenwe nakho okukhulu kulesi sigaba sokusebenza. Ngoba yiminyakazo eyinkimbinkimbi edinga ukuthi usetshenziselwe ukusebenza ngalezi zimpahla zezimali.
- Ungakwazi ngikushiye ama-euro amaningi phansi komgwaqo nangesikhathi esifushane kakhulu kunalokho ongakucabanga kusukela ekuqaleni.
- Uzoba okuningi kakhulu ubanjwe emhlabeni wemali ngoba uzokwenza imisebenzi okwamanje lapho ungajabulela isikhathi sakho samahhala. Ngalo mqondo, ungangabazi ukuthi uzolahlekelwa yikhwalithi yempilo ukuze ube nabathandekayo bakho.
- Kuyinkimbinkimbi ukuthola iziteshi lapho ungasebenza khona nalolu hlobo lokutshala imali. Kufike ezingeni lapho kuzofanele funa ezinye izingxenyekazi. Lapho kuzodingeka ube nokujwayela okukhulu ekusebenzeni nokuthi kuphela ngokuhlangenwe nakho ongakufinyelela.