Faka imali ezintweni zokusetshenziswa, kanjani?

Izinto zokusetshenziswa kucace bha ukuthi kube yizo ezishayeke kakhulu ezimakethe zezimali ngonyaka wezi-2015. Cishe zonke zenze imizila eyehlayo kulezi zinyanga, ezimeni eziningi ezenzekile ngaphansi kokwehla kwenani okusondele ku-50%. Uma ubeke imali oyilondolozile kwezinye izimpahla zakho zezezimali, ngokuqinisekile uzoba nemali encane namuhla kwimpahla yakho yangasese. Ngokukhubazeka okuphawuleka kakhulu okwenza ubhekane nonyaka omusha ngesifiso sokulungisa amaphutha enziwe.

Lo nyaka awuqalanga ngendlela enhle ngezintshisekelo zabo noma, kepha konke kubonakala sengathi kuzoqhubeka kulayini ofanayo, ngokuwa kwamanani entengo yezinto ezingavuthiwe ezinkulu ezithengiswa ezimakethe zezimali. Akumangazi, sibhekene nalesi simo, ukungaqiniseki ukuthi izinkulungwane zabasindisi abanezikhundla ezivulekile kwezinye zazo bangase babe nazo. Cishe bafuna ukuthengisa imali abayitshalile, kepha amanani aphansi abawathengisayo aphazamisa isifiso sabo sokuvala isivumelwano.

Ngemuva kohambo olunzima ezimakethe ezinyangeni ezedlule, izinto zingashintsha, uma kungenjalo ngokuphelele, yebo okungenani kancane kancane. Lo ngumbono wokuthi abanye abahlaziyi abahlonishwayo bezezimali bayasabalala, abakhombisa ukuthi amanani alezi zimpahla mhlawumbe azofinyelela ophahleni kulo nyaka okhona, ukubuyisa kancane izikhundla zabo zakudala. Yize kunjalo, ukuhlaziywa okukhulu noma okumangazayo kwamanani abo akulindelekile.

Esinye sezizathu zokwehla kwenani lentengo yabo kumele sitholakale kulokho okwenzekayo ku China. Ngoba empeleni, ukwehla komnotho wayo kusho ukuthi ukusetshenziswa, kanye nokungeniswa kwempahla, kwezinto ezisetshenzisiwe ezinkulu kuzokwehla kakhulu. Futhi lo mphumela yiwona odluliselwe ezimakethe, ngamaconsi abukhali entengo yamanani abo. Noma nge-virulence engajwayelekile ngesikhathi sokuvivinya kokugcina.

Kulesi simo samazwe omhlaba esethulwe izimakethe zezimpahla, abatshalizimali abancane ngokwengeziwe nabancane bafuna ukuthatha izikhundla ukuzama ukwenza imisebenzi yabo ibe nenzuzo, noma kube ngesivuno esincane, futhi njengenye indlela yamasheya wendabuko. Ngokwalo mbono ojwayelekile, mhlawumbe into engcono kakhulu ongayenza ukulinda izinyanga ezimbalwa, kuze kube kubhekwa ngokuqiniseka ukuthi lezi zimpahla ziguqukela kanjani ezimakethe. Isemester yesibili yonyaka okuyisikhathi lapho kuzoba ngokuhlakanipha khona ukuqala ukutshalwa kwezimali.

Ungathengisa kanjani ngalezi zimpahla?

Umsebenzi onenkinga kakhulu kwabasindisi, njengoba kungenzeka kube nguwe, kuzoba ukubheka ukuthi yimiphi imikhiqizo efaneleke kakhulu kumcimbi ngamunye. Ngenxa yezici ezikhethekile zalokhu kutshalwa kwezimali, akubona bonke abazovumeleka ukuthatha izikhundla ezimweni zamanje, kukhawulwe kakhulu kumadizayini athile, ezinye zazo ziyinkimbinkimbi impela, futhi zinolaka ngokwezindlela zazo zamasu.

Akungabazeki ukuthi amathuba okwenza ibhizinisi azobe ephakeme, kodwa ngokunakekelwa okukhethekile ekusetshenzisweni kwawo, ngoba kuzodingeka futhi uthathe ingozi yokushiya ama-euro amaningi endleleni, ngaphezu kwalokho ocabanga ngakho. Kuphela uma ujwayele ukuhweba le mikhiqizo, kufanele uvule izikhundla. Uma lokhu kungelona icala lakho, kuzoba ngcono ukuyeka lo mzamo bese uzama ukuwuthumela kwezinye izindlela ezivamile zokutshalwa kwezimali, okuzovela kakhulu emakethe yamasheya.

Indlela elula, futhi ngasikhathi sinye eqondile yokutshala imali oyilondolozile kuzinto ezisetshenzisiwe ezisohlwini zizovela kwizibambiso ezihlanganiswe ezimakethe zamasheya, futhi ezihlobene eduze nazo. Emakethe yamasheya aseSpain azikho eziningi, ziyiqiniso, kepha ngesisindo esibaluleke kakhulu kunkomba yaso eyinhloko.

Izinto zokusetshenziswa emakethe yamasheya yaseSpain

Amabili amabhanela walokhu kutshalwa kwezimali okungajwayelekile ezweni lethu: i-Arcelor Mittal ne-Acerinox. Amabhizinisi ayo asekelwe ekuthengisweni kwezinsimbi eziyinhloko zokusetshenziswa kwezimboni. Izintengo zabo ngonyaka owedlule zehle kakhulu, ngokwehla kwezinga elingaphezulu kwama-50%. Kwanele ukukhumbula ukuthi izinkampani zokuqala zensimbi sezihambile ezinyangeni ezimbalwa zisuka kuhlu lwama-euro ayishumi zaya ku-10 kuphela okwamanje. Ngenkathi i-Acerinox ibe nokuvela okufanayo, kusuka kuma-euro ayishumi nanhlanu kuye kwangama-4.

Kungakho-ke, uma amanani entengo eluhlaza evuselelwa ngokujwayelekile kusuka manje kuqhubeke, amandla aphezulu alezi zitoko ayahlaba umxhwele, ngamanani entengo aphezulu kakhulu, ngaphezu kweminye imikhakha. Kepha-ke, lesi simo kufanele sinikezwe lapha ukuze bakwazi ukuthatha indiza kusuka manje kuqhubeke. Akumangalisi ukuthi abatshalizimali abaningi sebenake kakhulu ukwehla kokumisa, ukuthatha izikhundla ezimakethe zamasheya ngamasheya alezi zinkampani.

Kunoma ikuphi, uma lokhu kuyisinqumo sakho ukugxila kutshalo-mali lwakho, ungaya kwezinye izimakethe zezezimali lapho ukunikezwa kwezokuphepha ngalezi zici kubanzi kakhulu. Ngokuzithandela uzobathola ekushintshaneni kwesitoko saseNyakatho Melika naseYurophu. Ngokukhetha izinkampani ezihlangabezana nalezi zidingo. Kodwa-ke, kuzofanele ukhokhe amakhomishini athe xaxa kunalapho uwenze emakethe yasekhaya, cishe uwaphindaphinda kabili amanani abo. Yize lizohlala likhona ithuba lokuthola isipho sokuphromotha esivela emabhange.

Ezinye izindlela zokutshala imali

Kunoma ikuphi, kuneminye imikhiqizo yezezimali enamathuba amaningi okuthi uthuthukise ukusebenza kwakho ngalezi zimpahla zezezimali. Enye yezinto ezifanele kakhulu izimali zokutshala imali ezisuselwa kuzimpahla, nokuthi abaphathi bakukhuthazile ukuze ube namathuluzi amaningi wokusebenzisa ngalezi zindlela. Ngaphezu kwalokho, futhi njengendlela yokuzivikela ezimeni ezingezinhle, zizohlanganiswa nezinye izimpahla ezejwayelekile zezezimali. Kusuka kumali engenayo engaguquguquki neguquguqukayo, kodwa futhi kusuka kwamanye amalungiselelo.

Ayakhonjiswa ukwenza imisebenzi yokuqagela isikhathi esifushane, kepha ukuthola imigomo emide yokuhlala, imaphakathi kweminyaka emibili nengu-2. Yizona ezifanele kakhulu ukuze ukwazi ukuqoqa kangcono ukubuyiswa kwezinto ezisetshenzisiwe eziyinhloko, hhayi ngendlela yesikhashana. Ngisho nokukuvikela ngokufanele ngokwengeziwe kusuka ekushintshashintsheni okuphezulu okwenziwa ngamanani abo. Futhi lokho kuzodida izikhathi ezingaphezu kwesisodwa.

Omunye wemikhiqizo evunyelwe ukuthuthukisa lezinhlangano ngama-ETFs, lapho ungathola khona okunye kokunikezwa okubanzi kakhulu emakethe yezezimali. Ngamadizayini athile, ayingxube phakathi kokuthenga amasheya ezimakethe zamasheya nezimali zokutshala imali. Nokuthi zifaneleka kakhulu kumtshalizimali omncane onjengawe, ongafuni ukuqasha amamodeli anolaka olunjalo lapho ebhekene nokuntengantenga kwezimakethe zezimali.

Futhi ekugcineni, unemikhiqizo okuthiwa isuselwe kokunye. Iyingozi kakhulu futhi inobungozi obukhulu kakhulu uma ubakhetha. Akumangalisi ukuthi bazodinga ukufunda okuphezulu kuwe, ngolwazi olunqwabelene eminyakeni edlule. Futhi lokho ngokungangabazeki kungaholela ekulahlekelweni okukhulu uma ungazi ukuthi uzisebenzisa kanjani kahle. Akukona nje ukuqondana kwezinto ukuthi akunconyelwa wonke amaphrofayili okusindisa, kuphela lawo anolaka kakhulu.

Yonke le mikhiqizo esikuvezele yona ingadingeka kuwe nganoma yisiphi isikhathi, uma ekugcineni unquma ukuthi kungenye yezindlela ezingathandeka kakhulu ukuhambisa imali oyilondolozile phakathi nezinyanga ezizayo. Ukuze kusizakale ukuvuselelwa kwamanani abo. Futhi lokho ngokusho kwabahlaziyi abaningana kungasondelana, noma kungenjalo ngaphandle kokuxakaniseka okukhulu nokuguquguquka. Akumangalisi ukuthi akulula ukwelashwa, futhi kuncane kakhulu ngemikhiqizo eyinkimbinkimbi.

Izeluleko eziyishumi eziphezulu kulokhu kutshalwa kwezimali

Uma ufuna ukwandisa kangcono izikhundla zakho kumasheya, uzophoqeleka ukuthi uthuthukise imihlahlandlela yesenzo esiyiveza ngezansi.

1. Amandla okubongwa kwempahla makhulu kakhulu, futhi ngaphezu kokulindelwe kwezinye izimpahla ezejwayelekile zezezimali, ngisho nethuba lokuphinda kabili isivuno.
2. Kuyisigaba sokutshala imali esiphethe izingozi eziningi, futhi okukuso, akulula ukuthi wenziwe ngaphansi kokunyakaza kwemali okuqinile. Ngokunikeza ingxenye encane kuphela kuzoba ngokwanele.
3. Abatshalizimali abanolwazi kakhulu abanezinhlobo zonke zezimakethe okufanele bavule izikhundla ezinde. kweminye imikhiqizo yezimali eshiwo ngenhla.
4. Ungagxili entweni eyodwa eluhlaza, kepha kungakuhle kakhulu ukuthi uzame ukwehlukanisa utshalomali lwakho nezinye izinhlobo zotshalo-mali, uze ulihlanganise neminye imikhiqizo engenayo engaguquguquki neguqukayo.
5. Zama ukubamba noma isiphi isignali lapho ukunyakaza kwamanje kwe-bearish kuyeka khonaNgesikhathi esivela ngaso, manje sizozama ukwenza ushintsho kuthrendi lube nenzuzo ngokunyakaza okushesha kakhulu okulindele ukuthambekela okusha.
6. Uma ungayiqondi kahle le mikhiqizo, kungcono ungazisebenzisi, ngoba ekugcineni kosuku kuzoba yimali yakho ozoyidlala.
7. Kungamasu wokujikeleza, eziguqukela kangcono ngezimo zokwanda komnotho, futhi ezimweni eziphikisanayo ezivame ukudala ukunyakaza okunodlame olwehle kakhulu.
8. Kuzofanele wazi kakhulu ngomnotho waseChina, uma kungenjalo ufuna ukuthola isimanga esingesihle. Noma ikuphi ukuphambuka ekukhuleni kwayo kungahlehlisa amanani entengo yezinto zokusetshenziswa eziyinhloko, futhi okubi kakhulu, ngezikhathi ezimbalwa zokuhweba.
9. Uzoba phambi kwakho lonke uchungechunge lweziphakamiso zokutshala imali, ngoba ukuba khona kwabo ezimakethe zezimali kunamandla amakhulu, enezimpahla zemvelo ehlukile.
10. Ngaphambi kokuthatha izikhundla kulesi sigaba sokutshala imali, kuzoba ngaphezu kokuqonda ku landela ukuvela kwabo ezimakethe, bese uzama ukujwayela ukunyakaza kwabo, noma bengaguquguquki kangakanani.