Ukutshala imali emakethe yamasheya kuye kokubi, futhi kungani kungenjalo?

Ngaso sonke isikhathi lapho izimakethe zezimali zihlangabezana nokwehla kuma-indices abo, abatshalizimali balahlekelwa ama-euro amaningi ekusebenzeni kwabo emakethe yamasheya, maningi kakhulu esimweni se-bearish virulence enkulu. Ngaphezu kwalokho, uvalo luthatha isimo sabo sengqondo, kuze kube yilapho lokhu kuhamba kwe-bearish kukhiqiza ikhanda langempela. Mhlawumbe lokho abanye babo abangakwazi yilokho bangasebenzisa ngokunenzuzo izimo ezimbi kakhulu, ngisho nangaphansi kwemikhawulo yenzuzo ephezulu.

Izimakethe inike amandla amasu athile okutshala imali, futhi nemikhiqizo yezimali emisha kakhulu, ezingaphuthelwa lo mkhuba ezinikezwa ukunyakaza kwe-bearish. Ukuthatha izikhundla kuzo, kufanele wazi ukuthi ungasebenza kanjani ezimakethe ezinezici. Futhi lapho ulwazi nokufunda kuzodlala khona indima ebonakalayo ukwenza ukonga kwakho kube nenzuzo, ngaphandle kokukhathazeka ngokulahleka.

Inzuzo enkulu yalolu hlelo oluyingqayizivele lokutshalwa kwezimali luhlala ngokuthi alutholakali kuphela ngokuthengwa nokuthengiswa kwamasheya ezimakethe ezinkulu zezimali. Vele akunjalo, kepha kunezinye izindlela zokwanelisa izidingo zabatshalizimali abanolwazi oluningi. Futhi lokho kudinga uchungechunge oluphelele lwezinsimbi ukuze sisebenzise izitayela ezishiwo izimakethe.

Thenga okuphansi, kanjani?

Ukuzuza ekwehleni kwezimakethe, kunikezwe amandla imikhiqizo eminingi yezezimali efeza lo msebenzi. Ngokuyinhloko ngokuhweba kwamasheya impilo yonke. Kepha ukuthi kulo mcimbi amamodeli amasha futhi anesibindi angeziwe, ahlehlisa lezi zinqubo, ngisho ngamathuba okukhulisa inzuzo enkulu njalo uma uya kubo.

Uma amathemba akho kulo nyaka omusha ezokwenza lolu hlobo lokusebenza, akukho kungabaza ngokuthi uzoba nezinto ezidingekayo ukuze ukwenze. Indlela ejwayeleke kakhulu ukusebenza ngqo ezimakethe zamasheya, kusabelo, umkhakha noma inkomba yezabelo.

Inketho eyanelisa kakhulu yimisebenzi yokuthengisa ngesikweletu. Ziyakuvumela ukuthi ukhiqize inzuzo enkulu ngokuthengisa izibambiso ezibolekwe. Kodwa-ke, ngumkhiqizo obucayi kakhulu, ngoba uma ungazi ukuthi uzosebenza kanjani kuzo kahle kungaholela ekulahlekelweni okuningi, nangaphezu kwalokho ongakuthwala.

Ngokunjalo, le nhlangano ingaqiniswa ngokumelene nezintshisekelo zakho, uma ukuvela kwamasheya (noma ezinye izimpahla zezezimali) kungakhuli njengoba ubulindele ekuqaleni, futhi esikhundleni sokuya phansi, kukhombisa ukunyakaza okuphambene, okungukuthi, bayakhuphuka. Kuwo wonke amathuba okuthi izimpahla zakho otshalile imali zizokwehla kakhulu, ngaphezu kwalokho ongase ucabange, ngoba ukunyakaza kwazo kuphazamise kakhulu.

Ngeminye imikhiqizo yezezimali

Naphezu kwakho konke, akudingeki uzikhawulele kulo mkhiqizo oyingozi. Kukhona okunye okwenziwe ngempumelelo enkulu, futhi kungani kungenjalo, ngokuvikelwa okuthile emisebenzini ozoyithuthukisa ezinyangeni ezizayo.

Enye yazo izikhwama zokutshala imali eziphambene, eziphakanyiswa ngokuqhubekayo ngabaphathi ukuze ukwazi ukuziqasha ngebhange lakho. Kususelwa ikakhulu kuma-indices wamasheya aphesheya, kepha futhi nasemikhakheni nakubhasikidi wamasheya. Ukuze, ngenxa yesicelo sayo, ube nezinsimbi ezidingekayo zokuhweba phansi.

Inkinga enkulu efakwa yile modeli yokuphatha ukuthi ukusebenza kwayo kusesikhathini esimaphakathi nesikhathi eside. Futhi-ke, ukunyakaza kwe-bearish ngokuvamile kunqunyelwe esikhathini futhi kudinga impendulo esheshayo nephuthumayo evela kubatshalizimali abancane. Futhi ngqo lezi zimali azinikezi, kepha zidinga ukuhlala isikhathi eside. Uma ungekho esimweni sokubhekana nakho, kungaba ngcono ukukhetha eminye imiklamo ye-agile ethe xaxa.

Ngokwalo mbono, kuzokwanelisa ngokwengeziwe kwizintshisekelo zakho, uma uqondisa imali eqoqiwe kwi-ETF ebuyela emuva enalezi zici ezifanayo. Ama-ETF, noma izimali ezihwebelana ngokushintshaniswa, ziwumkhiqizo ophakathi nendawo phakathi kwezimali zendabuko ezihlangene kanye namasheya, futhi lokho kusebenza ukugcina leli su ngokusebenziseka okuhle kakhulu. Akumangalisi ukuthi ziphindaphinda ngokunembile ukunyakaza kwe-bearish kwezimakethe. Futhi mhlawumbe, zizovumelaniswa kangcono nezidingo zakho zangempela ukwenza inzuzo lezi zibalo zonke izikhwama ezikhona.

Esigabeni sesine, nangaphansi kwengozi enkulu yokusebenza, ama-warrant akhona. Umkhiqizo oyinkimbinkimbi ngokwedlulele owenza lokhu kuhamba kube nenzuzo ethe xaxa, futhi ungathola imbuyiselo engcono kuzo uma wazi ukuthi ungasebenza kanjani nazo, yize kunezingqinamba ezinkulu uma izibikezelo zingahlangatshezwa. Ngaphezu kwalokho, basebenzela ukwenza ngokusemthethweni ukusebenza kwesikhashana, futhi ngokushesha okukhulu. Kepha kunoma yikuphi, kufanele usetshenziselwe ukuhamba kuzo, ngokufunda okuthile ngazo.

Kufanele uhwebe kanjani kulo mkhuba?

Uma uqinisekile ukuthi amanye amasheya noma izinkomba zizowa ezinyangeni ezizayo, unganqikazi, sebenzisa le mikhiqizo yezezimali. Yindlela kuphela yokwenza ukonga kwakho kube nenzuzo, ngokusebenzisa iziphakamiso ezethulwe izimakethe zezezimali. Kepha inqobo nje uma wamukela imihlahlandlela yokuziphatha, engakusizi nje kuphela ukuthi uthuthukise kahle leli su, kepha futhi ivulekile ukunikela ngokuvikelwa okukhulu eminikelweni yakho yezezimali.

Konke lokhu kusimo somnotho ngokungaqiniseki okukhulu kulo nyaka, nokuthi ngokungafani neminye iminyaka akuqalanga kahle. Ukungabaza ngokubuyiselwa kwezomnotho, ukwehla kwamaShayina kanye nokushuba kwesimo eMpumalanga Ephakathi kungezinye zezindlela zalesi siqalo esingenathemba ezimakethe ezinkulu zezezimali.

Kuzoba unyaka, kunoma yikuphi, okungahle kwenzeke, lapho ukukhishwa kwamanani ezenzo kuzobonakala kakhulu. Manje Ngezinqubo ezisheshayo nezishintshashintshayo uzokwazi ukukhiqiza inzuzo enkulu yemali kunalokho obekucatshangwa ekuqaleni ukwenza umsebenzi onzima njengalowo owethulwe.

Okungenani, uzoba nethuba lokubhalisa ngochungechunge lwemikhiqizo ukuze uthole imali kulo nyaka, futhi ungasebenzi kulezi zinyanga ezizayo, uma ukuvela kwezimakethe zamasheya kungafani nalokhu okwabikezelwa ngabahlaziyi abaningi bezezimali. Futhi lokho ngisho kusuka ku-Bankinter banikeza uhambo oluya phezulu emakethe yamasheya engama-30%.

Kodwa-ke, uma nganoma yisiphi isizathu, unquma ukukhetha eminye yemikhiqizo ephakanyiswe ngenhla, ngeke ube nokhetho ngaphandle kokungenisa. uchungechunge lwamathiphu azosiza kakhulu ukuthuthukisa utshalomali kulo nyaka omusha.

Izinqumo zokutshala ngale mikhiqizo

Vele unakho ngaphambi kwakho, umkhiqizo ongaphezu kowodwa othatha ukunyakaza okwehla kwezimakethe zezezimali. Kepha ngamasu afanayo lapho usebenza nabo. Ngakho-ke, amathiphu ajwayelekile kubo bonke, ngaphandle kokukhishwa. Ngokusebenzisa eziyishumi ezilula, kepha ngasikhathi sinye izinkinobho ezisebenzayo okufanele uzicabange kusukela manje kuqhubeke. Akumangalisi ukuthi yimali yakho esengozini, futhi ukuthuthukiswa kwalezi zindlela kukufanele.

1. Yimikhiqizo enengozi enkulu, ngokweqile kwezinye izimo, okufanele uyisebenzise kuphela lapho izimakethe zinomkhuba ochazwe kahle kakhulu wokwenza imisebenzi
2. Kufanele uncike komunye noma komunye umkhiqizo wezezimali, kuya ngesipiliyoni onaso kulowo nalowo kubo, futhi, nakuphrofayili oyethula njengomtshali-zimali. Ukuncika nakanjani kokulula kakhulu ngokususelwe kulezi eziguqukayo.
3. Akufanele wabele zonke izimpahla zakho lolu hlobo lokusebenza, kepha ngokuphambene nalokho, kufanele kube nomkhawulo kakhulu, kungabi ngaphezu kwe-30% yenhlokodolobha etholakalayo ngalezo zikhathi. Ukwazi ukukuhlukanisa ngenye impahla yezimali engeyona ingozi kangako.
4. Uma ungazi ngokujula ukuthi ungasebenza kanjani nale mikhiqizo yezezimali, kungcono ulahle umzamo wakho, ngoba ungahle uthuthukise ukulahlekelwa okuzoba nzima kakhulu ukubhekana nakho. Ngenxa yokungazinzi okuphezulu abakulethayo ngokuphelele.
5. Kungcono ukuthi ekuqaleni ugxile kuma-indices womhlaba wonke, hhayi engxenyeni yenkampani ethile efakwe ohlwini. Hhayi ngeze, ngaleli qhinga lokuphatha elilula uzonciphisa kakhulu izingozi zokusebenza.
6. Akuyona imikhiqizo ezosebenza njalo nabo, kepha ngokuphambene nalokho, yenzelwe imisebenzi ethile, nokuthi ayikhishwa ngokweqile unyaka wonke. Noma kunjalo, Kumele babekelwe umkhawulo futhi balawulwe ukugwema noma yikuphi ukundiza kwemali ngabo..
7. Kuzozwakala ngokwengeziwe khetha amadizayini akhokhisa kancane kumakhomishini abo. Imiphumela yayo icishe ifane, kepha esikhundleni salokho ungonga ama-euro amaningi ezindlekweni. Ungasizakala nokuhlinzekwayo nokwenyusa okuningi okwenziwe ngamabhange ukubhalisela eminye imikhiqizo: izimali, ama-ETF, iziqinisekiso ...
8. Zifanele ikakhulukazi lapho izimakethe zamasheya zithuthukisa ukunyakaza okungaguquguquki kwe-bearish, noma ngezikhathi lapho izimo zokwehla kwamandla emali zenzeka emnothweni wezwe. Ngaphandle kokuthi ulinde izehlakalo ezinamandla zokubuyela kumashadi futhi.
9. Impela, ezinye zazo kuzoba nzima ukuthi uzisebenzise, kube lula ukuthi ukujwayele ngokusebenzisa ukulingisa okubonakalayo, lapho ungeke ubeke imali yakho engcupheni. Futhi esikhundleni salokho, uzofunda ngokushesha ukuzulazula kule mikhiqizo eyingqayizivele yokuqashwa kwabo uqobo.
10. Uma unokungabaza onakho, ekugcineni, Ungabheka ezelulekweni zebhange lakho. Kuzokusiza ukuhambisa kahle utshalomali lwakho, ngokusebenzisa iqembu lochwepheshe abanolwazi olunzulu ezimakethe zezezimali. Ngaphandle kokubandakanya ukukhishwa kwemali, ngoba kuyinsizakalo yamakhasimende.