Vele, kunezinhlobo eziningi zotshalo-mali, kepha olunye olunolaka kakhulu luyavela. Akumangalisi ukuthi bane- amandla aphezulu kubaluleke kakhulu futhi-ke ngaphezu kwalokho okunikezwa izimakethe zendabuko. Ngokombono, kunemali eningi ongayithola. Kepha ngezizathu ezifanayo, kukushiyela amagugu amaningi endleleni. Kuyingozi ukuthi ngeke ube nokunye ongakwenza ngaphandle kokuthatha uma ufuna ngempela ukuthatha izikhundla kulezi zimakethe ezikhetheke kakhulu zezimali.
Ukuze ucacelwe ngokusobala ukuthi lolu hlobo lotshalo-mali luqukethe ini, akukho okungcono ukwedlula ukukhomba ukuthi yini lena evelayo. Yebo, lawa amazwe ane- ukukhula okusheshayo yomsebenzi wayo wezomnotho ohlobene, hhayi kuphela nokukhula kwangaphakathi kwezwe uqobo. Uma kungenjalo, futhi nokwanda okuphawulekayo ebudlelwaneni bezohwebo namazwe wesithathu. Ngamafuphi, amandla ayo okukhula aphezulu kakhulu.
Izimakethe zamasheya zala mazwe zisebenza kangcono ezikhathini ezibanzi zomnotho wamazwe omhlaba, nge ukukhuphuka mpo kumanani abo. Yize ngokuphambene nalokho, bahlupheka kakhulu ngokuwela ezinkambisweni eziphindaphindayo. Kungalesi sizathu izimakethe zamasheya zamazwe asathuthuka zihamba ngemijikelezo yezomnotho. Kuyisici okufanele usihlole ukuthi uzongena ezikhundleni kusukela manje. Ngoba ngokungangabazeki uzoba nezingozi eziningi kunezinye izimakethe zamasheya.
Ayini amazwe asafufusa?
Okokuqala, uzodinga ukwazi ukuthi obani abamele le minotho ekhetheke kakhulu. Yebo, ngokuyisisekelo i- I-BRICS. Bangobani? Hhayi-ke, yimibhalo efingqiwe emele iminotho efanelekile kuleli qembu: iBrazil, iRussia, iNdiya, iChina neNingizimu Afrika. Kepha akubona bodwa abasafufusa lapho ungatshala khona ukonga kusuka manje kuqhubeke. Uma kungenjalo, ezinye izimakethe zokulingana ezingaziwa kakhulu. Njengesibonelo, amaTurkey, amaMexico kanye nawo wonke amadragoni ase-Asia. Okusho ukuthi, unokunikezwa okuningi lapho ungakhetha khona utshalomali lwakho olulandelayo. Okungaphezulu kakhulu kunalokho obukucabanga ekuqaleni.
Eziningi zazo, okulindelwe ukukhula kuphezulu kakhulu. Kuze kube seqophelweni lokuthi bakwazi ukukhiqiza ukwanda kwezikhwama zabo ngaphezu kwe-10% njalo ngonyaka. Ngisho kakhulu ezimweni ezikahle kakhulu zezintshisekelo zakho. Ngalo mqondo, enye yezimakethe zezezimali ezihamba phambili eminyakeni yamuva yilezo ze India. Ngokubuyekezwa kwaminyaka yonke kwamadijithi angafika kwamabili. Kepha kufanele uhloniphe izimpawu zabo zobuthakathaka ukushiya izikhundla. Ngoba nezingozi zibaluleke kakhulu kulezi zimo.
Izici zalezi zimakethe
Lezi zimakethe zezimali zikhetheke kakhulu futhi azihloselwe kuwo wonke amaphrofayili zabatshalizimali. Hhayi ngeze, kufanele wazi ukuthi usebenza kanjani ngamanani akho nangokuthambekela kwakho. Ngoba noma yikuphi ukubala okungalungile kungakubiza ama-euro amaningi azokwehla ngomgwaqo. Uma ungumsebenzisi onolwazi oluncane ekuhwebeni ngamasheya, kungcono ugweme noma iluphi uhlobo lokuhweba ezimakethe ezisafufusa. Ngisho nangezimali zokutshala imali. Izingozi ziphezulu kakhulu ukuthi ungafaka engcupheni imali yakho kusuka manje kuqhubeke.
Ngakolunye uhlangothi, umbiko wakamuva wenkampani ehamba phambili yokubonisana ngezezimali uqokomisa ezinye zezici ezifanele kakhulu zezimakethe ezisafufusa. Enye yezinto eziphawuleka kakhulu ukungazinzi kwayo okuphezulu, ngaphezu kwezinye izindawo. Ngaphezu kwalokho, kufanele kubhekwe nokuthi la mazwe aku- ushintsho oluqhubekayo. Lokhu kwenza kube nzima kakhulu ukuhlola isimo sangempela salezi zimakethe. Lesi ngesinye sezizathu esenza ukuthi ukwehla kwentengo yakho kungaguquguquki futhi kungadala isimo esithile sokungakhululeki. Lapho ungazi ukuthi kuyadingeka yini ukuthengisa amasheya noma okuphambene nalokho gcina izikhala zivulekile.
Ungazinciphisa kanjani izingozi?
Kunoma ikuphi, unochungechunge lwamasu wokunciphisa ubungozi bokusebenza kulezi zimakethe ezikhethekile. Omunye wabo uvela ngokomzimba ngokusebenzisa ETFs o imali ebhalwe phansi. Kungumkhiqizo wezezimali oyingxube phakathi kwezimali ezihlanganyelwe kanye nokuthengwa nokuthengiswa kwamasheya emakethe yamasheya. Ikuvumela ukuthi uhlukanise kangcono utshalomali yize ubungozi buhlala bukhona. Miningi le mikhiqizo ephindaphinda inkomba yezimakethe ezisafufusa. Kepha ngenzuzo enkulu yokuthi iletha amakhomishini athakazelisayo emnothweni wakho wasekhaya.
Enye yamamodeli wokutshala imali angaheha ukuvula izikhala kulezi zimakethe izimali ezihlangene. Unefayela le- umnikelo onamandla ngabaphathi. Lapho kufakwa khona izimakethe ezahlukahlukene, kuya ngokuthi yiziphi izintandokazi zakho. Kulokhu, inzuzo yayo enkulu ukuthi kuwukutshalwa kwezimali okungahlukaniswa nezinye izimpahla zezezimali. Hhayi kuphela kumasheya, kepha futhi kusukela kumali engenayo engaguquki noma nakwezinye izinhlobo. Lezi zimali zenzelwe isikhathi sokusebenza unomphela esikhathini esimaphakathi neside.
I-India: enye yezinto ezihamba phambili kakhulu
Phakathi kwazo zonke lezi zimakethe, i-India ivelele. Igcina ukuthambekela okungenakuphikiswa okuphezulu okwenze inani elihle labatshalizimali abancane nabaphakathi bathola imali eningi. Kodwa-ke, inengozi eyengeziwe nokuthi kufanele ubheke uma ngabe uzovula izikhundla ngalesi sikhathi. Ngenxa yokubuyekezwa okuphezulu obe nakho eminyakeni emithathu edlule, bekungeke kumangaze uma bekukhona okuqinile ukulungiswa kwamanani abo ezinyangeni ezimbalwa ezizayo. Kuze kube sezingeni lokuthi kube nzima kakhulu ukutshala kwakho imali.
Elinye lamasu okungena kulo makethe wase-Asia osafufusa ngezimali zokutshala imali. Kusebenza kakhulu ukufeza izinhloso zakho, ngaphandle kwesidingo sokuthi wazi amanani asohlwini lwama-stock indices awo amakhulu. Ziyanda izimenenja eziphendulele ukubheka kwazo kule ndawo ngokuvela kwe izimali ezintsha zokutshala imali. Futhi ngale ndlela, unganelisa lesi sidingo esisha esinikezwa yiphrofayili yakho yokutshala imali. Kunoma ikuphi, i-India ingelinye lamazwe asathuthuka ongeke ukukhohlwe kusukela manje kuqhubeke.
Zikulethela ziphi lezi zimakethe?
Vele, kunezinye izinzuzo izinkampani ezisafufusa ezikunikeza zona. Ngoba awukwazi ukukhohlwa ngokuphazima kweso ukuthi ziyizimakethe ezihlukile. Futhi abalandeli ngisho nokuthambekela kwezimakethe zamasheya zamazwe athuthukile. Ukwenza kube lula kuwe ukuthi usebenze ngamanani ale ngxenye ebalulekile yamasheya, akukho okungcono kunokuhlola ezinye zezimpawu zayo ezibaluleke kakhulu.
- Akuzona zonke izimakethe ezivelayo ezifanayo, kude nayo. Ukutshala imali kumasheya eSouth Korea akufani naseMexico. I- ukwehluka kuziphakamiso zayo ingesinye sezici ezijwayelekile zalezi zimakethe. Awukwazi ukuwafaka wonke ekhabetheni elilodwa ngoba uzokwenza iphutha elikhulu ozozisola ngalo ngemuva kwezinsuku ezimbalwa.
- Ukukhula okumaphakathi kwalezi zimakethe ngonyaka odlule kuye kwanelisa kakhulu ukwedlula ezimakethe ezithuthukile. Ngokusebenza okuphakathi kwamaphesenti amahlanu kuya kwayishumi wamaphesenti ngaphezulu kwalokhu. Ngale ndlela, inzuzo izokwanda kakhulu kulezi zingxoxo.
- Kuyisigaba sokutshala imali ukuthi awukwazi ukwaba esikhathini esimaphakathi neside. Ngokuqondile ngenxa yokuziphendukela kwayo, ingashintsha ngokuphelele nganoma yisiphi isikhathi. Futhi ngale ndlela, ungabanjwa ngamanani akhethiwe. Kungobunye ubungozi obengeziwe bokuthi usebenza nalolu hlobo lokusebenza ezimakethe zezimali.
- Yiminotho enokuningi amandla okukhula. Lesi ngesinye sezizathu ngoba bathambekele kakhulu ekusebenzeni kwabatshalizimali abancane nabaphakathi. Akumangalisi ukuthi zingenza ukunyakaza kwazo kunenzuzo emakethe yamasheya ngamandla amakhulu kakhulu kunezimakethe ezithuthukile.
- Ezinye izimakethe ezisafufusa zibe nenzuzo enkulu iminyaka eminingana. Isibonelo, Izilo zaseningizimu-mpumalanga ye-Asia ezikhiqize imbuyiselo ngamanani azo ngaphezu kwesilinganiso samazwe omhlaba. Yize kunamakhomishini abanzi kakhulu kunezimakethe zikazwelonke, ngezindleko eziphindwe kabili kulo mqondo.
Njengenye indlela yokutshala imali
Kufanele ubone lezi zimakethe zezimali njengenye ithuba lebhizinisi lokho kwethulwa kuwe ukuthuthukisa ibhalansi ye-akhawunti yakho yokuhlola. Ngalesi sizathu akufanele usebenzise kabi imisebenzi. Uma kungenjalo, kunalokho, zihlele ngokusemthethweni lapho kunikezwa imibandela efanele yokungena ezikhundleni zabo. Zizoba izikhathi ezimbalwa ngonyaka noma mhlawumbe kube nokuzivocavoca lapho kungafaneleki khona. Kufanele ubheke ukubukeka kwazo, ngakho-ke ngeke ube nesinye isisombululo ngaphandle kokuqapha eduze izimakethe zazo.
Kulesi simo, noma isiphi isignali yokufaka kufanele isetshenziswe cishe ngaso leso sikhathi. Akumangalisi ukuthi unokuningi ongakuzuza ekusebenzeni ngakunye. Kepha ukuvikela ukunyakaza ekuphambukeni okungenzeka ezimakethe zezimali. Ngoba ukwehla kwayo nakho kume mpo, njengoba kwenzekile eminyakeni yamuva. Ngokuwa kwaminyaka yonke okungaphezu kwama-20% kwezinye zalezi zikhwama.