Kunabatshalizimali abaningi abancane nabaphakathi nendawo abanokuthile okuthile ukwesaba ukungena emalini engcupheni yokusebenza kwabo. Kepha okuyiqiniso ngempela okwamanje ukuthi ukutshalwa kwezimali okuyinkinga kakhulu kusezibophweni. Ukufika ezingeni lokuthi abahlaziyi bezimali abangaphezu kwabambalwa baxwayisa ngento ebalulekile bubble ukuqagela kule mpahla yezezimali. Kulesi simo, ngeke kube khona okunye ongakwenza ngaphandle kokunciphisa noma yikuphi ukuma kulo mkhiqizo okuvela emholweni ohleliwe.
Kuyisimo esiphindaphindwa ngenani elikhulayo lochwepheshe ezimakethe zezezimali. Kuze kube seqophelweni lokuthi babone kumabhondi inkinga engaholela kubatshalizimali ezinyangeni ezizayo. Ngoba impela, uma kunengozi ezimakethe zezezimali njengamanje, akungabazeki ukuthi kuvela kumabhondi. Kuthiwa a efanelekayo inkinga cishe unyaka owodwa noma emibili. Lapho into ebaluleke kakhulu kubatshalizimali abancane nabaphakathi ukwazisa ngalokho okungenzeka. Akumangalisi ukuthi imali eningi isengozini.
Ngisho nosihlalo wangaphambili weFederal Reserve yase-United States, Alan GreenspanKucace bha kuye, kuveza ukuthi inkinga enkulu ezimakethe zezezimali ayikho ezimakethe zamasheya, kepha yimali engaguquki. Ngakolunye uhlangothi, ukuqinisekisile nokuthi kuzodingeka ukuthi kube nokuqapha okukhulu ezikhundleni ezithathwa ngabasindisi okwamanje lapho ekugcineni kuqhuma amabhondi. Kuyisexwayiso esicacile samatilosi lapho ungathola khona isifundo esingaphezu kwesisodwa ngamasu ongawangenisa kusuka kulezi zikhathi eziqondile.
Ukuwa kwesibopho okungenzeka
Vele, enye yezimpande zale nkinga ilele ekugcineni inzalo yesikhathi eside yenzalo. Ukwenza isimo esingenakusimama ezimakethe zezezimali futhi lokho kuzodala ukuthi lapho bethatha isinqumo sokukhuphuka bazokwenza ngokushesha okukhulu kunokujwayelekile. Okuthile okuqondwa yinani labahlaziyi bezimakethe akubaphunguli abenzeli bezezimali. Ngethuba lokuthi kungenzeka kube khona i- ukuwa ngenani langempela lezibopho. Ngemiphumela emibi kakhulu kubo bonke abatshalizimali abanezikhundla ezivulekile kule mpahla ebalulekile yezezimali.
Kulesi simo esivamile, akunakulibaleka ukuthi izimali zomhlaba wonke nazo zingase zihlupheke kusukela kulo mzuzu ikakhulukazi. Yize kune-nuance okufanele icaciswe kahle. Akukho okunye ngaphandle kokuthi abatshalizimali bazokwazi ukufakazela iqiniso lokugcina impahla yezezimali intengo yayo ingaphansi kakhulu. Ngalo mqondo, umbono wezimakethe zamasheya ubukeka ungeyinhlekelele kangako ngokombono wokutshalwa kwezimali okuqondile. Yinto okufanele ivezwe kusukela manje kuqhubeke uma ufuna ukuqasha umkhiqizo ukwenza ukonga kube nenzuzo ngendlela efanelekile yezintshisekelo zabatshalizimali.
Phuma ezimakethe zamasheya
Kunoma ikuphi, umbono wabahlaziyi bezezimali abadume kakhulu uya kolunye uhlangothi. Lokho wukuthi, uma lesi simo senzeka ngempela lapho amazinga wenzalo eqala ukukhuphuka, into enengqondo kakhulu ongayenza phuma esikhwameni ngokushesha okukhulu. Ngoba imiphumela ingaba namandla ezikhundleni ezivulekile kulezi zimakethe. Izexwayiso ezikule mpahla yezezimali zenzeka ezinsukwini zokugcina. Kuze kube seqophelweni lokucabanga ukuthi ama-bond ayingozi kakhulu okwamanje kunezimakethe zamasheya uqobo noma ezinye izinketho zokuhlukumeza okukhethekile kokuqukethwe kwayo.
Ngokwalo mbono ohlinzekwa izimakethe zezezimali kusukela manje kuqhubeke, sekuyisikhathi sokucabanga ngokwenzekayo ngalo mkhiqizo wezezimali onezici ezikhethekile kubatshalizimali abancane nabaphakathi. Ngoba empeleni, njengoba u-Alan Greenspan echaza ezindabeni zakhe zakamuva emaphephandabeni akhethekile, “inkinga yangempela izokwenzeka lapho kuqhuma imakethe yezibopho, njengoba kuzokwenyuka inzalo yesikhathi eside ”.
Kepha kudlulela phambili ngokwazi ukuthi baphokophele emazingeni e-stagflation angakaze abonwe eminyakeni eyedlule nasemashumini eminyaka edlule. Ngokuxilongwa okucacile nokucacisiwe kwezimpahla ezehlukene zezezimali nokuthi lesi simo ngeke sibe sihle kunoma yimuphi wabo. Kuyisimo lapho kumele uhlele utshalomali lwakho kusuka manje kuqhubeke. Akumangalisi ukuthi kungakulethela isimanga esibi ngemuva kokubuya kwamaholide. Okungenani yisimo okufanele uthembele kuso ukuphatha ngokuphumelelayo ukonga okuqoqiwe kuze kube manje.
Yini okufanele uyenze ngezibopho manje?
Vele, kufanele usicabangele lesi simo esisha abahlaziyi bezimakethe zezimali abebexwayisa ngaso. Ngoba uma kunjalo, ngeke uze ukhethe kodwa ukuhlela kabusha iphothifoliyo yakho yokutshala imali, kepha ngokuphuthuma okukhulu. Ngoba kusukela manje kuqhubeke kungenzeka kube nokuningi ongakulahla kunokuwina. Ngeke ube nenye indlela ngaphandle kwalokho hlaziya lapho ubeke khona imali yakho bese uyivumelanisa nesimo esisha somnotho esingavela ezinyangeni ezimbalwa ezizayo.
Ukuze yonke into ithuthuke kahle, akufanele ushiye noma yini iye ekuvuseleleni. Akumangalisi ukuthi ungeke ukhohlwe ukuthi yimali yakho, okungaphansi kwalokho, okusengozini. Futhi uzodinga eyodwa ukuhlela kukho konke ukutshala kwakho imali. Hhayi kuphela kulabo abavela kumali engenayo eguquguqukayo, kepha futhi nakwemali engenayo engaguquki nakwezinye izinhlobo zokutshala imali okusondelayo. Kuzoba isu elihle kakhulu ongalisebenzisa ukuvikela izimpahla zakho ngeziqinisekiso ezinkulu zempumelelo. Futhi iyiphi indlela engcono yokwenza ngaphandle kokuyithuthukisa njengamanje. Ingabe usesimweni sokuthatha lesi sinyathelo sokuqala?
Ungayivikela kanjani iminikelo yakho?
Kunoma ikuphi, uchungechunge lwemikhombandlela okufanele ilandelwe alusoze lukulimaza. Ngoba empeleni, zizoba wusizo olukhulu ukuvikela izintshisekelo zakho njengomtshalizimali omncane naphakathi. Ngaphezu kwalokho, bangalekelelwa ngezinye izenzo ezingeziwe ezizobhekiswa kuzo thuthukisa ukubuya ukuthi ungathola kulondolozo lwakho. Ngoba noma ezimeni ezingezinhle neze emhlabeni semali kuhlale kunamathuba ebhizinisi. Futhi kufanele uzimisele ukwamukela lezi zinselelo ezidalwe izimakethe ezehlukene zezezimali.
Ukuze konke lokhu kugcwaliseke ngokuthembeka okukhulu, akukho okungcono kunokungenisa ibhethri lamathiphu amancane azonikeza ukuphepha okukhulu mayelana nezikhundla ezivulekile kunoma iyiphi impahla yezezimali. Futhi lokho kubonakala kumigqa yokusebenza elandelayo esizokudalula ngezansi.
- Imayelana ukunciphisa ukutholakala kwakho kumabhondi. Uma ufuna, akudingeki ukuthi kube ngokuqinile, kepha kuqhubeke. Kuze kufinyelele eqophelweni lapho ubukhona bale mikhiqizo yezezimali kucishe kunganakwa. Noma okungenani ubukhona obuncane kakhulu kuphothifoliyo yakho yokutshala imali. Uzozuza ukuphepha okuningi ngokusetshenziswa kwaleli qhinga lokutshala imali eliyingqayizivele.
- Njengamanje, kungaba nenzuzo enkulu, futhi unikeze ukuphepha okwengeziwe, qeda okulondoloziwe okuya kumikhiqizo ehlukile yemali engenayo eguquguqukayo. Mancane amathuba okuthi bahlakulele ukuwa okunzima njengoba kwabikezela abanye babahlaziyi abadume kakhulu ezimakethe zezezimali. Yize uhlala unolawulo oluphawulekayo kuyo yonke imisebenzi oyenzayo kusukela manje kuqhubeke.
- El ukuqapha izimakethe zezimali Manje kufanele iphelele kakhulu kunalokho okwakukhona kuze kube yizinyanga ezimbalwa ezedlule. Awukwazi ukukhohlwa ukuthi isivinini sokusebenza sizobaluleke kakhulu ezithakazelweni zakho. Umehluko wamahora ambalwa kungasho inani elibalulekile lemali. Ukuthi ungalahlekelwa kahle, kepha ngokuphambene nalokho ungawina. Kuyafaneleka ukuthi uqaphele kakhulu ukuhlonipha izikhathi.
- Yisikhathi esifanelekile kakhulu ukuthi usisebenzise izinyathelo zokuvikela. Ngoba ekugcineni kosuku yibo abazokukhipha ngaphezu kokwesaba okungaphezu kokukodwa imakethe yezimali engakunika kona. Zingezinhlobo ehlukile nemvelo futhi ngeke zikubize lutho ukuzisebenzisa. Ikakhulukazi esimweni sezomnotho njengokukhathazeka njengaleyo ezayo. Okungenani kusukela ngonyaka ozayo, ngokusho kwabanye abahlaziyi.
- Elinye isu elingasetshenziswa ukusebenzisa izihlungi zolwazi ezinamandla. Ukuze ngale ndlela isinqumo esihle kunazo zonke singenziwa ngaso sonke isikhathi. Noma ngabe kulula ukuphambukisa imali iye kwezinye izimakethe ezihlukile ezicacile zezimali. Kuzoba ukuphela kokuphumelela kakhulu uma kwenzeka isimo esibi kunazo zonke.
- Ngakolunye uhlangothi, uzohlala unayo i- ithuba lokuvala zonke izikhundla noma ezinye evulekile ezimakethe zezezimali. Ikakhulukazi lapho izimpawu abazinikezayo zingcono kakhulu ukuqhubeka nokutshalwa kwezimali. Kungaba izaba ezinhle zokuphumula izinyanga ezimbalwa kulo msebenzi okhethekile ozinikele kuwo.
- Ekugcineni, ngeke kulibaleke nganoma yisiphi isikhathi ukuthi kufayela le- ukwehluka kwemali oyitshalile ingahlala okhiye abaphumelela kakhulu ukuvikela zonke izikhundla zakho. Akukhathalekile impahla yezezimali lapho imikhiqizo yezezimali ongene kuyo kuze kube yilezo zikhathi ezinqunyelwe. Ngoba okumayelana nokususa izingozi ezingadingekile kunoma iyiphi indlela yokutshala imali.