Inyanga ka-Agasti cishe isikhathi sonke isikhathi esinzima ukuthuthukisa, ukukhuthaza futhi ngaphezu kwakho konke ukuphatha izimali. Cishe njalo kunokumangala okungaphezu kokukodwa okugcinelwe i- ivolumu encishisiwe ithengiswa kuma-stock exchange emhlabeni jikelele. Futhi ukuthi kungaba yingozi kakhulu ezithakazelweni zakho njengomtshali-zimali omncane. Ngalesi sikhathi isikhathi samaholide kuzofanele usebenzise ezinye izinhlobo zamasu ahlukile kwezinye izikhathi zonyaka. Lapho ukonga inhlokodolobha yakho kufanele kube yinto ejwayelekile yezenzo zakho ngo-Agasti.
Kulenyanga yehlobo, iningi labatshalizimali abakhulu bashiya phansi ukuhweba emakethe yamasheya ukuze bathathe izinsuku ezimbalwa zokuphumula ngemuva kwezinsuku ezinzima ababhekane nazo kulo nyaka ezimakethe zezimali. Yize kungakhombisa ukuthi ukuzola kutholakala emisebenzini yemakethe yamasheya, akunjalo impela. Njengoba ukwazi ukubona eminyakeni yamuva. Ngokushintshashintsha okukhulu entengweni yesitoko.
Uma ungafuni ukucasuka okungaphezu kokukodwa lapho ubuya emaholidini, akukho okunye ongakwenza ngaphandle kokuthatha uchungechunge lwezenzo ezihlose ukonga imali oyongile. Ungazami ukwenza imisebenzi emikhulu, nje usebenzise amathuba ebhizinisi angahle akhiqizwe ezimakethe zezimali ngale nyanga ekhetheke kakhulu, futhi ngasikhathi sinye inzima.
Phatha izimali ngo-Agasti
Okokuqala, kuzozuzisa kakhulu kuwe ukunciphisa izinga lokusebenza emakethe yamasheya ngale nyanga enzima. Hhayi ngeze, amathuba okuthenga azokwehla kakhulu uma kuqhathaniswa nezinye izikhathi zonyaka. Futhi, ngeke ube sesimweni esihle kakhulu sokuzithuthukisa. Amaholide, ukuba nabathandekayo bakho noma uhambo ozoluthatha ngalesi sikhathi kuzokuvimbela ukuthi uchithe isikhathi esiningi emisebenzini yakho ye-equity. Akufanele usheshe ukunyakaza njengoba kungakhiqiza imiphumela engadingeki.
Ukuphatha kahle imali oyongile, ngeke kufane uma unezikhundla ezivulekile kumasheya, noma usezimalini. Isu elizosetshenziswa lizohluka ngokusobala. Esimweni sokuqala, ngeke kulimaze kunangaphambi kweholide lakho elilifanele lungisa izikhundla zakho ezimakethe, okungenani ingxenye, nokugwema ukubuyela emuva kulezi zinsuku. Ngaphezu kwalokho, uma uzenza zibe semthethweni ngokuzuza kwemali, kuzokusiza ukuthi uthokozele ukubuya kwabo kulezi zinsuku: ukukhokhela uhambo, ukukunikeza isidlo sedina esikhethekile, noma ukumane ubhekane nentando yomuntu siqu.
Uma ushiya izimakethe, ungakhathazeki ngokweqile, uzoba nesikhathi sokubuyela ezimakethe lapho ubuya ohambweni lwakho, futhi mhlawumbe ngamanani esitoko ancintisana kakhulu. Kuzoba kuhle kakhulu ezithakazelweni zakho uma uphumula okungenani izinsuku ezimbalwa ukuze uvuselele amabhethri akho enkathi entsha yokuhweba ethembisa ukuthi izothakazelisa kakhulu. Jabulela umhlaba ongenasikhwama, okungenani izinsuku ezimbalwa.
Ngezimali kuma-akhawunti akho
Isimo esehlukile yiso esizokwethulwa kuwe uma ungenazo izikhundla ezivulekile kumasheya. Kulokhu, kungcono ulinde, okungenani enye inyanga. Akusona isikhathi esihle sokubuyela ezimakethe. Kungcono ukuthi ubeke imali oyilondolozile kumkhiqizo wokonga isikhathi esifushane kakhulu, njengokufakwa kwenyanga eyodwa. Ngeke ikhiqize imbuyiselo ethokozelwa kakhulu, kepha okungenani iminikelo izoqinisekiswa ekuvuthweni.
Kuzoba wusizo olukhulu kwizintshisekelo zakho ukuthi unqamule nezimakethe zezezimali, ikakhulukazi uma ungenazikhundla ezivulekile kuzo. Kuyinyanga ukunikela kwezinye izici zokuphila, ngakho-ke kufanele uphathe lesi simo ngendlela ehlukile kunezinye izinyanga zonyaka. Hhayi ngeze, kuningi okufanele ulahlekelwe yikho ongakuzuza.
Zisebenza kanjani izimakethe ngo-Agasti?
Le nyanga ilungele uchungechunge lwezenzo ezimakethe zamasheya ezichazwe kahle kakhulu. Ukuze uqalise, izibambiso ezishintshaniswa ngokuhwebelana kwamasheya ziphansi kakhulu. Futhi njengomphumela wazo, ukungaziphathi kahle kuyanda, ngomehluko obaluleke kakhulu phakathi kwezintengo eziphakeme nezincane. Gcina engqondweni kunoma yikuphi, uma uzophatha imali oyongile ngalezi zimali.
Njengomphumela wesici sangaphambilini, amanani entengo athambekele ekukhohlisweni. Lokhu kusho ukuthi ngokusebenza okumbalwa intengo yamasheya ingathathwa ngandlela thile, kwesinye isikhathi ngobudlova obukhulu ezimakethe. Ngalo mqondo, abatshalizimali abancane ngeke bavikeleke ngokwengeziwe emisebenzini eyenziwa amaqembu amakhulu okutshalwa kwezimali.
Noma iziphi izindaba noma umcimbi ophawulekayo emnothweni ungaba nomthelela omkhulu kwikhotheshini yentengo, ngaphezu kwezinye izinyanga zonyaka. Akumangalisi ukuthi inyanga ka-Agasti igcwele izibonelo ezikhombisa lo mkhuba. Futhi ukuthi kungaba yingozi kakhulu ukuvikela izintshisekelo zakho njengomtshalizimali okudayisa. Lezi yizimo ezingathokozisa i- abaqageli, noma okungenani, kulabo abazinikezele ekusebenzeni esikhathini esifushane, noma ngabe basebenza nge-intraday, okungukuthi, kuseshini efanayo yokuhweba.
Ukutshalwa kwezimali okunconywe kakhulu
Uma, naphezu kwakho konke, ungeke ukwazi ukulahla utshalomali kwizimali, kuzoba lula kakhulu kuwe ukuthi ubheke ukuthi yimaphi amanani lapho ungabeka khona imali oyilondolozile ngeziqinisekiso ezithe xaxa. Azikho eziningi, kepha uzoba nezinye izindlela ezingalinganisela izintshisekelo zakho, futhi ezisebenzisa lezi ziphakamiso ezilandelayo.
Umkhakha kagesi: ingesinye sezitebela ezilinganiselwe kunazo zonke ezilinganisweni zikazwelonke. Akukhiqizi ukuguquguquka okungako, futhi amanani aso asele cishe amazinga azinzile ngokwengeziwe ukwedlula kweminye imikhakha. Futhi banenzuzo enkulu yokuthi basabalalisa izabelo ezinhle kakhulu phakathi kwabaninimasheya. Ngenzuzo emaphakathi yonyaka ezungeze i-5%,
Imikhakha evikelayo: banamathuba amaningi wokonga imali ngalesi sikhathi seholide. Imigwaqo emikhulu, ukudla nempahla yabathengi kungezinye zazo. Bazokunikeza okukhulu iqinisekisa ukugcina izikhundla zakho, ngaphandle kokunyakaza okuningi ngamanani abo. Ngenye yezindlela ongakhetha kuzo ngenyanga ka-Agasti.
Eminye imikhiqizo yokutshala imali
Ukuphathwa kokulondolozwa kwakho kudlula nakweminye imikhiqizo yezezimali enconyelwa kakhulu ehlobo. Enye yazo izimali zokutshala izimali, nokuthi ukuvikela iminikelo yakho ungayenza ibe semthethweni ngamamodeli ahlanganisiwe. Ukuhlanganisa imali engenayo eguquguqukayo nemali engenayo engaguquki. Ngale ndlela, uhlukanisa utshalomali ngendlela ehlakaniphile, unikezwe amandla okungenzeka izimakethe ezikhona kulesi sikhathi.
Enye indlela ivela kwizimali ezidayiswa ngokushintshaniswa, ezaziwa kangcono njenge-ETFs, ezakhiwe ku- Isikhundla esiphakathi phakathi kokuthenga nokuthengisa amasheya nezimali ezihlanganyelweyo. Futhi banamakhomishini amancane kakhulu. Ungatshala ingxenye enhle yezimpahla zezezimali ezithengiswa namuhla.
Futhi nakwabatshalizimali abalondolozeka ngokwengeziwe, njengoba kungaba kuwe, imali yesikhashana zingaba enye yezindlela ongakhetha kuzo okufanele upake imali oyilondolozile ezinsukwini ezimbalwa ezizayo. Yize ngokusebenza okungagculisi kulokho okulindele njengesilondolozi. Kule migomo, banikela ngembuyiselo ephezulu engafinyelela ku-0,30%, kepha ngaphandle kwanoma iyiphi ikhomishini noma ezinye izindleko ekuphathweni noma ekugcineni kwayo.
Futhi uma okufunayo kungukusebenza okusheshayo, kuhlale kunensiza yokubhalisela ama-CFD. Kungumkhiqizo onolaka kakhulu, ezidinga ukufunda okuthile ukuze zisebenze nazo. Ungathola imali eningi ngokuvula izikhundla, kepha kunalokho, amathuba okuthi uzoshiya imali eningi endleleni nawo aphezulu kakhulu. Uma ungajwayele lolu hlobo lomklamo, kuzoba ngcono kakhulu ukulondolozela imicimbi engcono.
Ukupheka kokuhweba emakethe yamasheya ngo-Agasti
Le nyanga yeholide engabizi kakhulu idinga ukusetshenziswa kwamasu athile ohlangothini lwakho. Ikakhulukazi ukuvikela iminikelo eyenziwe, lapho ukuqapha nokuphepha kufanele kudlule kokunye ukucatshangelwa. Futhi noma kunjalo, yenza imigqa yezenzo ezinjengalezo esikudalula kuzo ngezansi.
- Imayelana ukunciphisa ukusebenza Kulesi sikhathi esikhethekile, futhi uma ukwazi ukwenza ngaphandle kwazo, kungcono kakhulu kuzintshisekelo zakho njengesilondolozi esincane.
- Ungadlali ngemali oyongile ekusetshenzisweni kokungabaza, lapho unamathuba amaningi okulahlekelwa kunokuwina. Ngeke kube yindaba yokuchitha ingxenye yezimpahla zakho.
- Bheka amamodeli wokutshala imali ephephile, nokuthi noma kunjalo kuqinisekisa ukonga kwakho ngenkathi useholidini ngalezi zinsuku zokuphumula.
- Thuthukisa ezinye oda ukukhawulela ukulahleka, uthatha kuphela iphesenti i-akhawunti yakho yokuhlola engalisekela. Akumangalisi ukuthi u-Agasti yinyanga enhle kakhulu yokushayela ukuwa okubukhali, noma kunalokho, ukuzuza.
- Zinike kancane Ngithatha ikhefu kule nyanga ukuphatha imali oyongile, ngisho nethuba lokufunda ukwakheka kwephothifoliyo yokutshala imali engxenyeni yokugcina yalo nyaka.
- Awuphoqelekile ukutshala imali njalo ngenyanga, futhi lokhu kungaba yimodeli yokusebenzisa lesi simiso. Ngisho nabatshalizimali abakhulu bayayeka ukwenza kwabo umsebenzi ngesikhathi esithile.
- Uma uzotshala imali, kwenzele lokho amanani wokuzivikela ngaphezulu izimakethe zezezimali, eziqinisekisa ukuzinza okuthile esitatimendeni sakho semali engenayo, ngaphezu kokunye ukukala okunolaka.
- Uyacelwa ukuthi uqaphele lokho lo nyaka ungokhetho eMelika, futhi lokhu kukhuthaza ukuntengantenga ezimakethe zezezimali ukuthi kube ngaphezulu kunokujwayelekile. Ikakhulukazi uma sekusele izinyanga ezine kuphela ukuthi kukhethwe umongameli omusha waleli lizwe.