Izikhwama ezingafani kakhulu emhlabeni

izikhwama ezingaphandle

Uma ufuna ukufeza umbono woqobo wokutshala imali oyilondolozile, uzoba nokuhlelwa okuhle ekuthengisweni kwamasheya okungajwayelekile emhlabeni ukwanelisa lesi sifiso sokufuna ukwazi. Ngoba impela, kungenzeka ukuthi ukwazi finyelela ezimakethe zezimali eziyivelakancane. Futhi kuze kube yiminyaka embalwa edlule bekungenakwenzeka ukuthi ivule izikhundla kokunye ukuphepha kwayo. Manje kungenzeka, futhi wenze kube semthethweni imisebenzi ebhange lakho elijwayelekile.

Ithuba lokuvula kuze izimakethe ezintsha kukhulu. IVietnam, iMoldova, iBotswana iTanzania noma i-Ecuador ngezinye zazo. Impela awunalo ulwazi oluningi ngabo, futhi ngisho nemisebenzi oyenzile esigabeni sakho njengomtshali zimali omncane. Kepha kunoma yikuphi, kungenye yezindlela eziningi okufanele ungene kuzo izimali zamazwe omhlaba.

Umbuzo wokuqala ozozibuza wona kusuka manje kuqhubeke ukuthi ungakwenza kanjani ukusebenza ngokusemthethweni kube futhi nokuthi imiphi imikhiqizo yezezimali. Empeleni, ukufinyelela ezimakethe zabo kuzoba nzima kakhulu kuwe ukukwenza. Cishe kungenzeki ukuthunywa ukuthi ungahlakulela imisebenzi evela eSpain, futhi lokhu kuvulwa kuphela kwamanye amazwe. Kokunye kungaba yindlela ebabazekayo, kepha kwabanye ngokungangabazeki kuzoba yindlela entsha yokwenza ingcebo izuze.

Kusuka kwizimali zokutshala imali

Hhayi ukuthi ngeke kube khona okunye ongakwenza ngaphandle kokuya ezikhwameni zokutshala izimali uma isifiso sakho kungengokunye ngaphandle kokuthenga amasheya kulezi zimakethe ezingavamile. Ngeke ube nenkinga, ngoba main izinkampani zokuphatha zenze imikhiqizo enalezi zici. Futhi izikhundla zabo zokutshala imali ezincike kwizilinganiso zala mazwe eziyisimanga kubatshalizimali abaningi.

Kodwa-ke, ukutshalwa kwezimali akugcini kulezi zimakethe zamasheya kuphela, kodwa kunalokho kuhlanganiswe nokunye okwendabuko nokujwayelekile. Womabili la mazwe abaluleke kakhulu futhi asafufusa. Futhi lokho kukhona nasezimalini ezixubekile zemvelo, ukuze utshalomali luvikelwe ngemali engenayo engaguquki. Ungakhetha phakathi kwamafomethi ahlukene, afaka amanye amazwe analezi zici ezikhethekile.

Izimali ezidayiswa ngokushintshaniswa, ezaziwa kangcono njenge-ETFs, nazo zikhiqiza lezi zakhiwo ezinelukuluku, yize ukunikezwa kwazo kuphansi kakhulu kunezimali zokutshala imali. Kuze kube seqophelweni lokuthi ukukhetha kwakho kuzokukhulisa izinkinga ezinkulu ukuthatha izikhundla kulezi zimakethe. Kunoma ikuphi, kubandakanya inhlanganisela yokuthenga nokuthengisa amasheya emakethe yamasheya nezimali zokutshala imali.

Amakhomishini nezinye izindleko ekuphathweni kwawo

amakhomishana

Uma uzovula izikhundla kwezinye zalezi zimakethe manje, futhi kuzodingeka uphathe phesheya, kuzofaka amakhomishini athe xaxa. Kuze kube seqophelweni lokuthi uzozibuza ukuthi kufanele yini ngempela ukwenza lokhu kuphathwa kwesitoko okukhethekile, kodwa futhi kuyingozi kangako. Izindleko zizophinda kabili izakhamizi, futhi kwezinye izimo kufunwa ngisho nangokwengeziwe. Akumangalisi ukuthi kuyinani okuzodingeka ulikhokhe ngokuya kulezi zimakethe zezezimali ezinelukuluku.

Okuwukuphela kwenzuzo lapho kuvulwa izikhundla kususelwa ekuthini kungenzeka ukuthi bangaphansi komkhuba obheke phezulu obamema ukuba bathenge amasheya ezinkampani ezibhalwe kulezi zimakethe zomhlaba jikelele. Amanani amancane aziwayo, noma abe ngqo, ngaphandle kokubhekiswa kuwo. Cabanga ngalokhu ngaphambi kokuba ube nentshisekelo kuzo, futhi ngale ndlela ugweme izinkinga ezingaphezu kweyodwa ngesikhathi sokwenza imisebenzi yakho yokuthenga ibe semthethweni.

Yini engingayithola kulezi zikhwama?

Lezi zimakethe zibeka ubungozi obukhulu kuyo yonke imisebenzi, okungaholela ekulahlekelweni okukhulu kunalokho okucatshangelwe. Ngethuba langempela lokuthi ukukhubazeka kufakwe kuphothifoliyo yokutshala imali eyenziwe ngalezi zimakethe zangempela. Ngokuphindaphindiwe, bangaphinde bakhiqize inzuzo evulekile kakhulu, ngoba amanani ezokuphepha kwabo alawulwa ukuguquguquka. Kubanzi kunalokho okwenziwe kwamanye ama-stock indices ezimakethe ezivamile. Hhayi ngeze, bangahlakulela umehluko ngentengo yabo, kuseshini efanayo yokuhweba, efinyelela kuma-20%.

Akuzona izimakethe zamasheya, ngakho-ke, zivuna wonke amaphrofayili wabatshalizimali. Kepha kunalokho, kuphela kwabanolwazi kakhulu, nokuthi zisetshenziselwa ukusebenza kumasaka anjalo okuqala ngokuhlinzwa okungaphezu kokukodwa. Kulesi simo, uma ungenayo imibono ecace bha, kuzoba ngcono ukuyeka ukuthatha izikhundla. Vele, uma ungafuni ukuthatha okungaphezu kokukodwa ongakuthandi kusukela manje kuqhubeke. Ungakhohlwa ngaphansi kwanoma yiziphi izimo.

Lezi zikhwama zingasetshenziswa lapho wonke amanye amathuba eseqediwe. Lokho wukuthi, lapho kungasekho okukhethwa kukho okuphezulu kokushintshisana kwendabuko, futhi ufuna ukuhlala uxhunyaniswe nezimali, ngisho nokuhwebelana kude nemvelo yakho njengoba ukhona. Kepha kunoma yikuphi, akufanele ngaphansi kwanoma iziphi izimo ubeke engcupheni imali eningi, kepha kunalokho okuphambene nalokho.

Ukutshalwa kwemali kwakho kuzoba kuncane kakhulu kuzo zonke izimo. Njengoba kungekho ngaphezu kwe-20% yenhlokodolobha eyenzelwe ukutshalwa kwezimali. Futhi njalo ngaphansi kokuvikelwa okukhulu kwemisebenzi yakho. Kungakuhle kakhulu, uma ukwazi, lokho beka i-oda lokulahleka kokuyeka. Ngeke ube nenye inhloso ngaphandle kokunciphisa ukulahleka okungabakhona ekutshalweni. Esinye isici okufanele usicabangele ukuthi lokhu kushintshaniswa kwamasheya kunamashejuli ahluke ngokuphelele kunezimakethe zikazwelonke. Futhi ngakho-ke kuzoba nzima kakhulu kuwe ukusebenza ngamanani.

Okunye ukubuya okuvela kulezi zimakethe eziyinkimbinkimbi kakhulu ukuthi uzoba nezinkinga eziningi ukulandela ukusebenza ngesikhathi sangempela, nokuthi ngeke kube khona ukukufeza. Akumangalisi ukuthi lezi zimakethe zinzima kakhulu ukusebenza maqondana nezendabuko ngokwengeziwe. Kulula ukuthi ukubheke kusuka manje kuqhubeke uma ungafuni ukwenza amaphutha ngokweqile ongazisola ngawo kusukela manje.

Yiziphi izinzuzo ongazithola?

izinzuzo

Njenganoma imuphi umakethe wezezimali, uzoba nezinzuzo ezingaba usizo olukhulu ekulungiseleleni utshalomali lwakho. Akufanele uzithathe kancane njengoba kwesinye isikhathi ungakhetha lezi zimakethe ezingavumelekile. Futhi lokho ngokuyisisekelo kungaba yimigqa yesenzo elandelayo engalethwa nganoma yisiphi isikhathi futhi kuzilungiselelo ezahlukahlukene.

  • Kuthatha kokunye okunye onakho ngaphakathi kwemali engenayo eguquguqukayo, nalokho ungayisebenzisa nganoma yisiphi isikhathi. Ikakhulukazi uma izinketho eziyinhloko zehluleka.
  • Kuyindlela yokwenza inzuzo ngokonga okwehlukile maqondana nezinye izimpahla zezezimali, nokuthi uma bekhombisa ukuvela okuhle bangahle babe nentshisekelo yakho kutshalo-mali.
  • Bangacabanga ngamanani akhombisa ukuvela ezimakethe zezimali kakhulu evuna izintshisekelo zakho, nangaphezulu okwethulwe ngamanye amanani endaweni yakho.
  • Bazokusiza khulisa isiko lakho lezezimali, futhi lokho kungasiza kakhulu kweminye imisebenzi ezimakethe ezivamile. Kuze kube seqophelweni lokwandisa ulwazi lwakho ngamasheya angaphezu kwawabanye abatshalizimali.
  • Uma ukwazi ukuhweba ngalezi zingxoxo ezintsha, zingavulelwa wena amathuba amaningi ebhizinisi. Yize kuzodingeka ukuthi ube nolwazi oluthe xaxa mayelana nokuziphatha ezimakethe zezezimali.
  • Ukuguquguquka kwayo okuphezulu Kuzokusiza ukukhulisa inzuzo, inqobo nje uma ungalawula izikhundla zakho, futhi uhlehlise izikhundla okwamanje lapho kunikezwa khona izimpawu zokuqala zobuthakathaka.

Izingozi zayo ezinkulu

izingozi zokusebenza

Kufanele futhi uhlole umonakalo odalwe yilolu hlobo lwemisebenzi yamakethe yamasheya, futhi uhlole ukuthi kungakufanelekela yini ngempela ukukhetha lezi zimakethe eziyinkimbinkimbi. Ngemuva kwalokhu kuhlaziywa, kuzoba umzuzu wokugcina lapho kuzodingeka ukuthi uhlole konke ukuphazamiseka okuzokwenziwa ngumsebenzi wakho. Ngokuyisisekelo bekungekho enye indlela ngaphandle kokuthola okulandelayo.

  • Ungazami ukuwina labo onabo elahlekile kwezinye izimakethe zezimali, ngoba uzobe wenza iphutha okunzima kakhulu ukuxazulula. Kungakwenza ulahlekelwe yimali eningi kunaleyo oyiqoqile ekuqaleni.
  • Beka umkhawulo eminikelweni yakho kubuncane ongabenza, futhi uma kungenzeka ezingeni lobufakazi, kungcono kakhulu kuzintshisekelo zakho njengomtshali-zimali. Kunoma ikuphi, ungatshali konke noma ingxenye enkulu yenhlokodolobha yakho.
  • Ungenza iphutha elikhulu, ongakwenza ukhokhe ngama-euro amaningi kusikweletu sakho. Kuphela uma ujwayele ezinye izimakethe zayo lapho uzoyivula khona ukuze isebenze ngeziqinisekiso ezithile.
  • Ngeke ube ukudluliselwa ngokweqile ukuthatha izikhundla, ngisho naleyo yezindaba ezikhethekile. Futhi njengomphumela wazo, uzoba ne-intuition kuphela yokwenza utshalomali.
  • Ukusekelwa nokuphikiswa kokuthenga nokuthengisa amasheya kuzoba nzima kakhulu ukukuthola, futhi nakho izingozi zizokhuphuka kakhulu. Akumangalisi ukuthi ukulawula ukunyakaza kuzoba nzima kakhulu.
  • Khumbula ukuthi eziningi ze- lezi zimakethe zikhona, futhi nakwezinye izimo ezingaphathwa kalula, futhi lokho kungalimaza izintshisekelo zakho njengomtshali-zimali omncane oyikho.
  • Futhi uma ekugcineni ungenakho okunye ongakwenza ngaphandle kokutshala imali oyongile ezimakethe zamasheya zala mazwe, kwenze lokho imisebenzi yesikhashana, nangaphansi kweminikelo ephansi kakhulu engashintshi ngokweqile izimpahla zakho.

Iziphetho zokugcina

Vele, akuzona izimakethe zamasheya ezinconyelwa kakhulu zokutshala imali ngezinga lasekhaya. Awaziwa ngempela, futhi akunazinkomba eziqondile ezikwenza uphakamise ukusebenza ngeziqinisekiso ezithile. Kodwa-ke, akuzona zonke izimakethe zamasheya ezifanayo, futhi ungathola eyodwa ehambisana nezimpawu zakho njengomtshalizimali wokuthengisa. Basebenzise, ​​kepha ulawula yonke iminyakazo yabo. Futhi kunoma yisiphi isibonakaliso sobuthakathaka, susa izikhundla ngomzuzu wokuqala.


Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.