Kusele ikota eyodwa kuphela kuze kube u-2018 usulungisiwe futhi okuye kwadumaza ngxenye enkulu yabatshalizimali. Kunoma ikuphi, sisekhona isikhathi sokulungisa amaphutha futhi sibe sesimweni sokuqeda unyaka ngemali esele ngokugculisayo kuma-akhawunti akho. Noma kunjalo, lesi sinqumo ngeke sibe ngaphandle kwengozi Ngoba lokho imayelana nakho konke, ngemuva kwakho konke, kufanele kube nolaka olukhulu ekufihleni imiphumela ebuthaka esiyitholile kuze kube manje.
Ukuvela kwamanani ezinyangeni eziyisishiyagalolunye zokuqala osekudlulile bekungekho obekulindele kusukela ekuqaleni konyaka. Kuyisizathu esingaphezu kokwanele ukuguqulela i- isu utshalomali phakathi nesigaba sokugcina osishiyile kulo nyaka. Kuze kube seqophelweni lokuthi ufuna ukwenza ukonga kwakho kube nenzuzo, ngeke ube nenye indlela ngaphandle kwalokho ziyehluka ngokwendawo ezimakethe zezezimali lapho ufuna ukukhulisa khona ukonga kwakho kusukela manje kuqhubeke. Ngoba ekugcineni kosuku sekuvele kuyindlela yokugcina oshiye ukuyiphumelela kulo nyaka eqhubekele phambili, kunezindaba ezeqile maqondana nokuvela kwamanani ayo.
Mayelana nezimakethe zokulingana ezwenikazi elidala, zimbalwa izindaba ozilethelwa zona. Njengoba abatshalizimali bevame ukusho, "zonke izinhlanzi ziyathengiswa." Ngaphandle kwe ama-spikes angavela kule ngxenye yokugcina yonyaka. Akumangazi-ke ukuthi kuzoba uhlobo lwezimonyo ezizodalwa ngabaphathi besikhwama sokutshala imali ukusindisa ama-balance sheet abo. Kepha-ke ngeke uthole ukubuyekezwa okuhle kakhulu. Vele, lesi akusona isimo senye ibhalansi yonyaka esiya khona. Kunalokho, uma kungebuhlungu noma inkazimulo, njengoba abatshali zimali abancane nabaphakathi bexwayisa.
Ukuphela konyaka: Ungatshala kuphi?
Ngalesi simo, ngeke kube khona okunye abangakwenza ngaphandle kokuthola ukuthi yiziphi izindawo ezizohlinzeka ngezimbuyiselo eziphakeme kakhulu ekupheleni konyaka, phakathi kwezinye izizathu ngoba zingadala iqiniso amathuba ebhizinisi, njengoba uzobona kulezi zikhathi eziqondile. Ngoba empeleni, izimali zamazwe omhlaba zibonisa isimilo esingalingani ngokuqinisekile ngoba akuzona zonke izimakethe zomhlaba wonke ezisabele ngendlela efanayo ezindabeni zezomnotho ezenziwe ezinyangeni eziyisishiyagalolunye zokuqala zonyaka. Ngokuphambuka enkombeni eyodwa kuya kokunye kuze kufike ku-10%.
Ukuze ukwazi ukuthatha izinqumo ezihamba phambili kulekota yokugcina yonyaka, sizokunikeza ezinye zezimo lapho ukwenza ukonga ngokunenzuzo ngempumelelo kungaba ngokoqobo. Ngaphandle kwamanani ezizwe kanye nalezo zemvelo eseduze kakhulu, okubonakala kukhombisa ifayili le- ukuthambekela kwe-lateral okwenza ingxenye enhle yabatshalizimali abancane nabaphakathi baphelelwe yithemba. Ngoba ungakhohlwa ukuthi kukhona impilo edlula izinkomba zikazwelonke zemakethe yamasheya. Lapho ungathola khona amathuba webhizinisi langempela, njengoba uzokwazi ukubona njengamanje.
I-Russia: ukukhohlwa okukhulu
Izimali zeSlavic zingenye yezinketho ezithakazelisa kakhulu ukubhekana nalokhu kuphela konyaka. Ukwehla okunqwabelene eminyakeni edlule kungavumela ukuthambekela okuhle kakhulu kuzintshisekelo zabo futhi kwazi bani ukuthi kungaholela ekubuyekezweni okungaphezu kokulindelekile. Dlala ngokuthanda kwakho ukuvela kokuthi intengo kawoyela ngoba ukuthembela kwayo kuzinkomba zayo zamasheya ezifanele kakhulu kunokubi kakhulu. Ngezinkampani ezahlukahlukene ezixhunywe ku-oyela ongahluziwe futhi ezingasebenza kangcono kunezinye. Kodwa-ke, yisikhwama esinamakhomishini athe xaxa kunalawo kazwelonke.
Uma kukhona imakethe yamasheya yomhlaba wonke engakumangaza ngalesi sikhathi, akungabazeki ukuthi yimali yaseRussia. Awukwazi ukukhohlwa ukuthi une- amandla okwazisa aphezulu kunamacala asele. Futhi uma imakethe yamasheya inyuka kulezi zinyanga, akungabazeki ukuthi imakethe yamasheya yaseRussia ingaba isimanga esihle kakhulu ngengxenye enhle yabatshalizimali abancane nabaphakathi. Yize kubalwa ukuthi ukuguquguquka kwayo kuphakeme kakhulu, kunokwehluka okubanzi phakathi kwamanani asezingeni eliphansi naphansi. Lesi yisizathu esingawenzi afanele amaphrofayili athile kubatshalizimali futhi lokho kungaba icala lakho.
Imakethe yamasheya yaseChina ilahlekelwe ama-20%
Uma kukhona okulahlekile okukhulu kulo nyaka, yimali yamaShayina, elahlekelwe cishe ngama-20% kuma-indices ayo amakhulu esitoko. Njengomphumela wengcindezi yokuthengisa engajwayelekile kule ndawo yezomnotho. Kepha ngokunembile ngenxa yalesi sizathu nganoma yisiphi isikhathi ingashintsha ngokuphelele ukuthambekela. Futhi ukube bekunje, akukho kungabaza ukuthi ukukhuphuka kungaba mpo kuze kufike ezingeni lokuthola amazinga angaphambilini. Akumangazi ukuthi imakethe yamasheya yaseChina ingakwazi ukukhiqiza ukuphakama kwamadijithi amabili ngezikhathi ezimbalwa zokuhweba. Yize kunengozi ekusebenzeni okungaphezulu kwaleyo yezinye izimakethe zomhlaba jikelele. Okuthile okufanele ukutshele ukuqala ukunyakaza kulokhu kushintshaniswa kwesitoko okubalulekile.
Ingxenye enhle yabahlaziyi bamazwe omhlaba bakhethe lolu tshalo-mali lwangempela ngokubheka ukuthi lungahle lusebenze kangcono. Yize ukungabaza okutholwa yile makethe ukuthola ukuthi kuzoba nini isikhathi sokuqalisa okufakiwe nokwenza imisebenzi ngentengo enhle. Into ebaluleke kakhulu yimakethe yezimali ekhetheke njengale, lapho ngelinye ilanga amasheya ayo enyuka ngaphezu kuka-5% kuthi ngokulandelayo amaphesenti afanayo asele noma ngaphezulu. Hhayi ngeze, kuyiqiniso ukuthi akulula kakhulu ukusebenza ngamanani abo Futhi izigxobo ziphakeme kakhulu zisuka nje.
I-India ku-uptrend ecacile
Uma kunemakethe yamasheya egxiliswe enkambeni ecacile yokukhuphuka, lokhu ngokungangabazeki yilokho kwezwe lase-Asia. Ngaphandle kokuthi ubelokhu elungisa izikhundla zakhe izinyanga ezimbalwa futhi kulokhu kubukeka kuyesabeka ukuvula izikhundla. Njengoba kunikezwe ubungozi ukuthi amanani aqhubeka ukwehla futhi angalahlekelwa izikhundla ezifanele kakhulu. Noma kunjalo, nganoma yisiphi isikhathi ongakwenza qhubeka nenkunzi igijime futhi kuzoba yisikhathi sokuthatha izikhundla kokunye ukuphepha okuningi okubalwe kuma-indices aso esitokwe kakhulu. Yize kunenkinga yokuthi iningi lazo alaziwa ngokuphelele kubatshalizimali abaningi abancane nabaphakathi baseNtshonalanga.
Kunconywa kakhulu ngabahlaziyi bezezimali lapho becabanga ukuthi amanani ayo asenohambo olubheke phezulu. Kodwa-ke, uma ungafuni ukuzibeka engcupheni kakhulu ezikhundleni, isixazululo silele ekukhetheni izimali zokutshala imali ezitshala izikhundla zazo kulokhu kushintshana kwamazwe omhlaba. Ngisho nokuhlanganisa izimali nezinye izimpahla zezimali, njengokuphuma kwemali engenayo engaguquki. Ngale ndlela, abaphathi balo mkhiqizo wezezimali bavikeleke kangcono ezimeni ezimbi kakhulu ezimakethe zezezimali. Okungenani kungenzeka ukuthi kufanele kubhekwe kusukela manje kuqhubeke.
IBrazil: ukhetho ekwindla
Akungabazeki ukuthi imakethe yamasheya yaseRio de Janeiro izobe ibheke okungenzeka okhethweni lukamongameli oluzokwenzeka ezinsukwini ezizayo. Kungaba yimbangela yokuthi iguqule ukuthambekela kwayo ibheke phezulu ekuphakameni okukhulu kwamandla. Kepha okuphambene nalokho kungenzeka futhi kungahle kube nokuwa okungathi sína kuma-stock indices ayo. Uma kukhona isikhwama lokho inikeza ukungaqiniseki okukhulu yimali yaseBrazil. Lapho ungathola khona imali eningi uma uvula izikhundla, kepha ngesizathu esifanayo, shiya ama-euro amaningi endleleni. Ingozi ingenye yezinhlaka zayo ezifanele kakhulu ezifanele.
Kunoma ikuphi, le makethe yamasheya yehle kakhulu eminyakeni yamuva futhi abatshalizimali abaningi balinde ngokulangazelela ushintsho olulindelekile ekuthambekeni okuzokwenzeka kulo nyaka ukuqala izinhlangano zabo zokutshala imali kule ndawo ebalulekile yezomnotho ezwenikazi laseMelika. Ngeke ube nokhetho ngaphandle kokulalelisisa konke okungenzeka eBrazil emasontweni azayo ngoba kungaba yinto yangempela ithuba lebhizinisi kuzimali zakho ozitshalile ekupheleni kwalo nyaka. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi kusuka endaweni yokubuka eyisisekelo.
Njengoba kungenzeka ubonile, amathuba amasha okutshala imali ayavuleka kuwe, kepha wonke anephuzu elilodwa ngokufanayo nokuthi lokho kungukusebenza okubandakanya ubungozi obukhulu. Sekuyisikhathi sokubuza ukuthi ngabe usesimweni sokuthatha lolu hlobo lwemisebenzi futhi ungaphansi kwamandla aphi. Ngoba ungafinyelela ezinhlosweni zakho, kepha futhi uhlale endaweni eyinkimbinkimbi kakhulu yezintshisekelo zakho. Kuzoba okwamanje ukuthi sihlaziye ukuthi kulula yini kuwe ukufaka ezinye zezimakethe zezimali esikuveze zona kule ndatshana.