Vele, kuzoba nokuhlukahluka okuningi okuzonquma ukuvela kwamanani. ngalo nyaka ukuthi siqale nje. Ngaphezu kwalokho, yemvelo ehlukahlukene. Kepha impela enye yezinkanyezi izovela ku amanani enzalo. Kokubili ngakolunye uhlangothi nolunye lwe-Atlantic. Ukuthi okwamanje bakhombisa indlela ehluke kakhulu. Kuze kube seqophelweni lokuthi ingahlanekezela ukuthambekela kwezimakethe zamasheya zomhlaba jikelele.
Kulesi simo esethulwe yimakethe yezimali, akungabazeki ukuthi bazodlala indima yokunquma ukuze ukwazi ukwenza imali oyongelayo izuze kusukela manje. Sizokunikeza imikhondo yokuthi iminyakazo ingaqhamuka kuphi. Noma yikuphi ukumangala kungabingelelwa izimakethe zezezimali nge ukuphakama okukhulu noma ukuwa. Ngokuya ngomkhuba wokwehlukahluka kokuqagela okusemthethweni.
Ngeke kumangaze kakhulu ukuthi kusalindwe abatshalizimali abangaphezu koyedwa ezinyangeni ezizayo zale makethe. Akumangalisi ukuthi ithole indima yokuhola iminyaka eminingi. Ngaphezulu kweminye imingcele yezomnotho. Njengokwehla kwamandla emali, ukulingana kwemali noma ukukhula komnotho. Kuze kube seqophelweni lokuthi noma yimuphi umhlangano wezigungu ezilawulayo udala ukulindelwa okukhulu kubo bonke abasebenzela ukulingana. Futhi kungaba kanjani okuncane, ngokuqinisekile lokho kubhekiswe nakuwe.
Izinhlobo: ukunyakaza ku-FED
Vele, amehlo abahlaziyi ezimakethe zezezimali asenyukelweni elandelayo elandelayo yi-United States Federal Reserve (FED). Kuyacaca ukuthi izobakhulisa ezinyangeni eziyishumi nambili ezizayo zonyaka. Kepha ngamaphi amandla? Kusuka kuBanco Santander bayahambisana nokuthi isinqumo sizothathwa, okungenani kabili ngonyaka. Into abavumelana ngayo nabanye ochwepheshe. Yize kunganqatshwa ukuthi kuzoba okwesithathu ukuthi inzalo inyuke.
Ukuze lesi simo senzeke, esinye sezakhiwo okufanele kuhlangatshezwane naso ukuthi ukukhula komnotho waseNyakatho Melika kuqhubeka ngamandla afanayo nalokhu ebekade enakho kuze kube manje. Empeleni, kuyizindaba ezinhle kuzo zonke izimakethe zezezimali. Ngakho-ke, akufanele kuthinte ukusebenza kwezimakethe zezimali. Kuncike ekutheni lesi simo asihambisani nezinye izindaba zokubaluleka okukhethekile. Ngokwezinga lapho insizakalo yokuhlaziywa kweSantander ilinganisela lokho kukhula komnotho izokhula ngezinga eliphakathi kuka-2,5% no-3%, kuya ngezinyathelo ezithathwe ngumongameli omusha, uDonald Trump.
Ngokwalo mbono okwethulwe ngamazinga wenzalo, ngeke kube nomthelela ngokweqile ezimakethe zamasheya. Futhi kakhulu kulabo abavela ezwenikazi elidala. Akumangalisi ukuthi bakhathazeke ngezinye izinhlobo zezindaba noma imicimbi yezomnotho. Ngalo mqondo, ukusabela kwezimakethe zamasheya kuvame ukungathathi hlangothi. Ngesinqumo esincane mayelana nezintshisekelo zakho ukwenza ukonga kube nenzuzo kulesi sikhathi esisha.
Isimo esihle kakhulu sezikhwama
Akungabazeki ukuthi isimo esihle kunazo zonke kubatshali zimali ukuthi inzalo e-USA ayinyuki futhi ihlala ngaphansi kwemikhawulo yamanje. Phakathi kuka-0,50% no-0,75%. Kungakuhle kakhulu ezithakazelweni zakho maqondana nomhlaba wemali ngesizathu esilula ukusiqonda. Akuyona enye ngaphandle kokuthi imali eshibhile kakhulu izoqhubeka. Futhi lokhu kuhlala kutholwa kahle yibo bonke abatshalizimali emhlabeni. Phakathi kwezinye izizathu, ngoba kuzuzisa ama-akhawunti enkampani. Njengoba ukuxhaswa kwayo kushibhile kakhulu kunemali ebizayo.
Kodwa-ke, inkinga ngalesi simo ukuthi idalwa wukuba buthaka komnotho waseMelika. Yebo ukhona, Lokhu kuyinto esabisa kakhulu abenzeli bezezimali. Ukuze ube ngesinye sezimo ezimbi kakhulu ezingavela phakathi nalokhu kuvivinya umzimba. Kunoma ikuphi, kubonakala kungeke kwenzeke ukuthi lokhu kwenzeke ngokuya ngemiphumela yezinkomba zomnotho eziyinhloko. Noma kunjalo, kufanele unake okwenzekayo. Uma kwenzeka kwenzeka ezinye izimanga ezingezinhle. Akukho okungakhishelwa ngaphandle, ikakhulukazi kulesi sikhathi samanje.
Ukuqhubeka kwemali yaseYurophu
Elinye icala elihluke kakhulu yilokho okwenzeka ezwenikazi elidala futhi ikakhulukazi endaweni ye-euro. Iziphathimandla zayo zikhethe ukwehlisa intengo yemali. Kufanele ukhumbule ukuthi kusesikhathini sonke. Ku-0%, okusho ukuthi inani lakhona alikho. Kepha esikhundleni salokho, kuyizindaba ezinhle kakhulu ezithakazelweni zabatshalizimali, njengoba kunjalo nakuwe.
Umbono wukuthi isimo samanje sizoqhubeka ezinyangeni ezimbalwa ezizayo. Kodwa kuze kube nini? Abatshalizimali abaningi abancane bayazibuza. Akumangalisi ukuthi badinga eyodwa noma enye ukuqondisa izimali zabo phakathi nalesi sivivinyo esiyinkimbinkimbi lapho bacwiliswa khona. Zonke izibikezelo ziphakamisa ukuthi hhayi ngesikhathi sokuqala konyaka konke kuzohlala kufana. Enye into ehluke kakhulu kuzokwenzekani kusukela ngenyanga kaJulayi. Lapho kunganqatshelwa ngaphandle ukuthi i-European Central Bank (ECB) ingashintsha isu layo lemali. Ngokukhuphuka ngamahloni kwenzalo.
Isigaba sibukeka sizoba njalo, hhayi ngoba sandisa amanani enzalo. Uma kungenjalo, kunalokho, kuzokwenziwa ngamandla amangakanani. Yilokhu abasebenza ngokulingana ezwenikazi elidala abakwaziyo kakhulu. Ngoba kuzoba yinto ebaluleke kakhulu ezimakethe zezezimali thatha enye indlela noma enye. Noma yiluphi ushintsho oluzumayo kunqubomgomo yemali yoMphakathi luzoletha ukwehla kokuhambisana okuthile kuzo zonke izinkomba zemakethe yamasheya. Cishe ngaphandle kokukhetha. Ukufika ezingeni lokuthi kungaba lusizo olukhulu kuwe ukuphuma ezimakethe. Okusho ukuthi, ngemali ephelele ku-akhawunti yakho yokuhlola.
Imiphumela yokunyuka kwezinga
Ukwanda kwamaphesenti ezinga lenzalo, ikakhulukazi uma kwenziwa ngokusemthethweni ngendlela enobudlova, kuzobandakanya imiphumela eminingi yazo zonke izimali zezindawo ezithintekile. Ngabe ufuna ukwazi ukuthi eminye imiphumela izoba yini? Yebo, qaphela ngoba angaba usizo olukhulu ekusebenzeni ozoqhubeka nakho kusukela manje kuqhubeke. Ungalindela nezinqumo okufanele uzenze ngalesi simo esisha sezomnotho esingavela kulo nyaka omusha.
- Izikhwama zizowa impela ngobudlova obuningi kunokujwayelekile. Yize kungenzeka ukuthi bakwazi ukuzinza ngemuva kwamasonto ambalwa ngamanani ezinkampani ezibalwe ehla.
- Kuzoba kubaluleke kakhulu ukuthi unake, lapho lolu shintsho kumazinga wenzalo lukhula, ukuthambekela okujwayelekile kwezimakethe zezimali. Kungakunika isignali eyinqaba mayelana nokuqina kokunyakaza emakethe yamasheya. Akufani nokuthi iyasebenza kune-bearish.
- Hhayi kuphela ukuthi isinqumo sokukhuphula amanani sizobaluleka. Kepha futhi, futhi okubaluleke kakhulu, okushiwo abaphathi bezezimali ngamasu abo eminyakeni embalwa ezayo. Ukuxhumana kwakho kuzofanele kufundwe phakathi kolayini. Njengoba kwenzeka ngemihlangano edlule.
- Lesi simo semali kungenzeka ehlisiwe maqondana nemakethe yamasheya yase-United States. Kepha akunjalo ngezikhwama zaseYurophu. Ukuthi ingahle isabele kabi kakhulu kunalokho obekulindelwe. Noma njengezaba zokuqalisa ukulungiswa okukhulu kuzintengo zenkampani. Kuze kufinyelele kumazinga wokuthenga amahle.
- Izothinta, hhayi kuphela izimakethe zamasheya, kepha nohla olubanzi lwe izimpahla zezimali lapho ongabeka khona imali oyongile. Phakathi kwabo, imakethe yokushintshaniswa kwamanye amazwe, izinto zokusetshenziswa noma izinsimbi eziyigugu. Ngakho-ke ukunyakaza kuzokwenziwa umhlaba wonke. Cishe akukho okuhlukile.
- Uma wenza ukunyakaza kube nenzuzo, ngeke ube nokuzikhethela ngaphandle lindela izinqumo iziphathimandla zezimali ezithathayo. Ngeminye imininingwane ekhethekile uzoba nemininingwane engaphezu kweyodwa ekugcineni ushayele isinqumo esivela kunqubo yakho.
Izimo ezihlelelwe u-2017
Noma kunjalo, okwamanje kunezibikezelo ezithile mayelana nokuthi yini engenzeka cishe ezinyangeni eziyishumi nambili kusukela manje. Ngokuqondene ne-United States, kubonakala kucace bha ukuthi ukuvuka okusha kuseduze. Mhlawumbe ngaphezu kweyodwa futhi nangemali encane. Cishe ikota noma uhhafu wephoyinti lokunyuka ngakunye kwamazinga wenzalo. Lesi yisimo esivame ukucatshangelwa ngabalamuli bezezimali. Ngokungaziwa kobumengameli obusha esizweni.
Ngokuphathelene nendawo ye-euro, izinto zihluke kakhulu. Kunokungabaza okuningi ngalokho okungenzeka. Njengoba amanani ahlala efanayo ngemuva kokungawathinti kuze kube kuqalwa ushintsho kunqubomgomo yemali. Uma kungale ndlela, okulindelwe kakhulu izimakethe ukuthi kwenziwe kancane kancane. Akukho ukunyakaza okunodlame. Kepha kunalokho ngokukhuphuka okuncane kwentengo yemali. Impela akukho okulindelwe okukhulu okulindelwe okungazamazamisa imali iyonke.
Ukube bekunjengesibikezelo, bekungeke kube nokuphendula okufanele ezimakethe zezezimali. Bangathathwa ngezinye izinto eziguqukayo ezinqumayo ekuziphendukeleni kwabo. Ngakho-ke, bekungeke kukuthinte ngesikhathi sokwakha iphothifoliyo yakho. Hhayi kahle noma kabi. Esikhundleni salokho, kuzoba nomphumela ongathathi hlangothi ngokuphelele ekusebenzeni kwakho emakethe yamasheya.