Imenenja yaseMelika iFidelity ibe ngowokugcina ukujoyina umbono wokuthi indlela engcono yokwenza ukonga inenzuzo ngalesi sikhathi yimali. Ukwenza lokhu, abatshalizimali kumele babe nesibindi ngokwengeziwe futhi bathathe izingozi ezibandakanya lezi zinhlobo zokusebenza. Kunoma ikuphi, iseluleko saloyo ongumxhumanisi sihambisana nemigqa yokuqhubeka nokukhombisa ukuzethemba ezimakethe zezimali. Ngaphandle kokubalulekile revaluations ekhiqizwe eminyakeni eyisishiyagalombili edlule. Kufike ezingeni lokuba isikhathi sesibili sezikhathi ezihamba phambili kusukela nge-WWII. Kunoma ikuphi, kuzoba yisinqumo okufanele usenze mathupha noma ngeseluleko sikachwepheshe ngalesi sikhathi.
Kule ndlela ejwayelekile, isikhathi lapho uzikweleta khona pose kube nolaka kancane ekutshalweni kwakho imali kusukela manje kuqhubeke. Ingabe uzimisele? Kulokhu, ngeke ube nokhetho ngaphandle kokwazi ukuthi yiziphi izinguquko ezihlangabezane nalesi sikhathi. Ngalo mqondo, embikweni wabo wamakota wakamuva, ongoti benkampani yezezimali nokutshalwa kwezimali bathi amanani ezindawo ezithile ahamba emazingeni aphezulu impela kodwa, ngokuvamile, ahlala kude kakhulu nokuphakama kuka-2000, lapho ucingo luqhuma. ibhola le-dotcom.
Futhi kungakhohlwa ukuthi ukuxhumana okucacile ezenzweni zamabhange amakhulu awo wonke. Noma okungenani okuhambisana kakhulu. Kunoma ikuphi, kungenye yezindonga ukuvimbela ukuphahlazeka ukuthi kwenziwe emakethe yamasheya ngemiphumela emikhulu. Njengaleyo eyenzeka ngo-1987 futhi ebaluleke kunazo zonke eminyakeni engama-30 yekhulu elidlule. Ngale ndlela, kunzima kakhulu ngalezi zehlakalo ezibucayi ezingathinta iningi labatshalizimali abancane nabaphakathi ukuba bathuthuke.
Isibindi emakethe yamasheya? Kukhona ukuhwebelana kwembulunga yonke
Olunye ushintsho olubaluleke kakhulu kule minyaka ukuthi izimakethe zamasheya zenziwa umhlaba wonke. I- ukuxhumana ezimakethe zamasheya kucace kakhulu kunakuqala futhi noma yimuphi umcimbi noma umcimbi wezindaba unemiphumela emhlabeni wonke. Ngamanye amagama, izinkinga ezisendaweni ye-euro azithinti kuphela le ndawo. Kepha kunalokho bandlalela nakwezinye izindawo zeplanethi. Isibonelo, izimakethe zamasheya zamazwe ase-Asia. Kukhona njalo ukuxhumana futhi kunjalo ngaphezu kwezinye izikhathi emlandweni wakamuva wezwe lotshalo-mali.
Ngalo mqondo, umqondo wokuthi izimakethe zezezimali abanandaba nalokho okwenzeka kwezinye izingxenye zomhlaba. Kokubili ezicini ezinhle kakhulu nezingathandeki ezimakethe zezimali. Kuze kube namuhla ukuthi akukho lutho olungenandaba nabatshalizimali. Noma yini idlala indima, kusukela ekushintshashintsheni kwe-euro kuye ekungazinzi kwezombusazwe kwamanye amazwe. Njengoba kwenzeka okwamanje ngezinkinga eziphakathi kweSpain neCatalonia. Futhi njengamanye amacala amaningi.
Izindlela zokuzivikela
Esinye isici esehlukile ezimakethe zezezimali ukuthi kukhona izinsimbi ezinkulu zokuzivikela ezikhathini ezinzima kakhulu emakethe yamasheya. Enye yalezi zenzo ivela ezenzweni zamabhange amakhulu, ngakolunye uhlangothi lolwandle. Lapho izinqubomgomo zezimali zingesinye sezenzo zokunqanda inhlekelele engaba khona kulolu hlobo lwezimakethe zezezimali. Njengoba i- I-European Central Bank (ECB) ngemuva kwezinkinga ezinkulu zomnotho ezaqala ngo-2007.
Kulezi zinsuku lezi zidalwa zinamandla amakhulu okwenza izinqumo ukuze esinye salezi zimo ezingemnandi ezimakethe zezimali singenzeki. Ngisho ukujova uketshezi njengoba kwenzekile i-European Central Bank kanye neFederal Reserve yase-United States. Akumangalisi ukuthi ngomunye wemisebenzi abayenzayo njengamanje. Zama ukungavumeli izikhwama ziphume esandleni. Ngoba imiphumela ingalimaza kakhulu izintshisekelo zamazwe noma zezindawo zomhlaba.
Reverse isicelo somkhiqizo
Kuze kube yiminyaka embalwa edlule, bekungacabangeki ukuthi ukonga kungenziwa kube nenzuzo ngezikhathi ezingezinhle ezimakethe zezimali. Ngoba ngemikhiqizo okuthiwa ephambene kungenzeka thola imali ngalezi zimo ezikhethekile. Futhi futhi kuningi, yize kubiza izindleko zokucabanga ngobungozi obuningi obusha emsebenzini ngamunye owenziwa ngabatshalizimali. Elinye lalawa maqhinga lenziwa imizimba yokutshalwa kwemali, njengezimali zokutshala imali noma izimvume.
Kepha mhlawumbe isiphakamiso esidonsa ukunakwa kakhulu kubatshalizimali ukusebenza kwe ukuthengiswa kwezikweletu. Lapho ukuphepha okukhethiwe kulahlekelwa izikhundla kunani lazo, imali enganqotshwa kulezi zimo ezihlekisayo iyoba nkulu. Lokhu kunyakaza kubonakaliswa ngoba ungathola imali eningi, kepha ngasikhathi sinye sikushiyele ama-euro amaningi endleleni. Kuyisici okufanele usicabangele uma kwenzeka ulingeka ukuba uvule izikhundla kunoma iyiphi yale mikhiqizo yezezimali.
Izimali zokutshala imali ezinobungozi obukhulu
Kunoma ikuphi, izimali zokutshala imali ziyimodeli esetshenziswa kakhulu ngabatshalizimali abancane nabaphakathi ukuze bakhethe lolu hlobo lotshalo-mali. Bayakuvumela ukuthi ukhethe ngisho inkomba lapho ucabanga ukuthi amanani abo angehla. Kuphela kwizilinganiso zamazwe kepha nangaphandle kwemingcele yethu. Ngokusebenzisa imodeli yokutshala imali elula kakhulu kunamanye amafomethi ayinkimbinkimbi. Ngenzuzo engaba khona yakhiwe ngezinye izimpahla zezezimali, kusukela kumali engenayo engaguquguquki futhi eguquguqukayo. Noma kusuka kwezinye izindlela noma izindlela ezintsha.
Lesi sigaba sezimali zotshalo-mali silungele ikakhulukazi isikhathi esifushane kakhulu saphakade. Ngezikhathi ezithile, njengoba kungenzeka ngengozi ekuphahlazekeni kwemakethe yamasheya. Lapho ungathola khona imali eningi futhi impela okungaphezu kwalokho ongakucabanga kusukela ekuqaleni. Okuthile ongathembelanga kukho lapho le micimbi iqhubeka ezimakethe zezimali. Kusha izinsimbi ongethembela kuzo ukwenza ukonga kwakho kuzuze. Ngakho-ke ngale ndlela, ibhalansi ye-akhawunti yakho yokuhlola ivuna kakhulu izintshisekelo zakho njengomtshalizimali othengisa.
Kulula ukuthola
Okunye okusha okusibekele izikhathi ezintsha ukuthi lokhu kuhamba okungazelelwe emakethe yamasheya kungatholakala ngokuthembeka. Ngemininingwane yezomnotho ekhiqizwa usuku nosuku, kepha ngaphezu kwakho konke nge ukuhlaziywa kochwepheshe kwezimakethe zezimali. Yize kunengozi yokuthi ingahle ididaniswe namahemuhemu nje. Kufike ezingeni lokuthi ungabanjwa yiminyakazo engadingeki. Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi izinhlangano eziphambili zamazwe omhlaba zingalindela lezi zimo ngenhloso ethile.
Ngalo mqondo, kwakukhona vele amazwi afanele kakhulu ayexwayisa ngenkinga enkulu eyayizokwenziwa eminyakeni eyishumi edlule. Kodwa-ke, inkinga enkulu ngalezi zixwayiso ukuthi ezikhathini eziningi akuzona zonke izakhamizi ezisethubeni lokuthola lolu hlobo lolwazi. Kepha, kunalokho, bambalwa kakhulu abazokwazi ukulindela lokhu kuhamba ngamanani. Impela ingenye yezinkinga ezinkulu okuzodingeka ubhekane nazo kusukela manje kuqhubeke.
Langazelela izenzakalo
Ngalesi sici, kukhona abanye abalamuli bezezimali asebenezinyanga eziningi benethuba lokuthi sisondele kakhulu ekuqhumeni okunodlame kakhulu emakethe yamasheya. Baze babhekise kokungenzeka ngesikhathi sokuzivocavoca okulandelayo. Yilapho-ke lapho kuzofanele wenze khona ulwazise lolu hlobo lwemininingwane ekhethekile. Ukunquma ukuthi isikhathi sesifikile yini sokuguqula kakhulu iphothifoliyo yakho yokutshala imali. Lapho kungeke kube khona okunye abangakwenza ngaphandle kokuya ezindinganisweni zesiphephelo ezingaba nenzuzo enkulu kulezi zimo ezingezinhle ezimakethe zamasheya zomhlaba wonke.
Isikhathi sokutshala imali kwenye yezimpahla ezaziswa kakhulu. Lapho kufanele ulindele khona imicimbi. Okuthile okunzima kakhulu ukwenzeka ngaphandle kokuthi ukwiziteshi zezinqumo. Ngeke ube nanoma yiluphi uhlobo lokuqiniseka ngokungenzeka ezinyangeni ezintathu, ezinhlanu, noma ngaphezulu. Yize kunjalo ongakwenza kungukuvikela kakhulu utshalomali lwakho. Isibonelo, ukusuka emalini kuya emikhiqizweni yasebhange noma ngisho nasezimalini zokutshala imali. Ngenhloso enkulu yokuvikela ukonga kwakho ekuqhekekeni okuqinile njengalezo ezenzeka ekuphahlazekeni ezimakethe zezimali.
Awukwazi ukukhohlwa ukuthi uma kwenzeka, ungalahlekelwa ngaphezu kwengxenye yeminikelo yakho yezezimali unomphela. Kuyinto ebucayi kakhulu ukukwenza ucabange kusukela manje kuqhubeke. Ngoba omunye wemithetho eyisisekelo kumasheya ukuthi akudingekile ukuthi kutshalwe imali ngaso sonke isikhathi. Kuyiphutha elikhulu elingenza ulahlekelwe yimali eningi. Ngesixazululo esilula kakhulu ohlangothini lwakho futhi lokho kuqukethe ukuthatha izikhundla lapho isimo sezimakethe zezimali sikweluleka kanjalo. Ngaphandle kokwenza lokho kufanele utshale imali ngokungadingekile futhi uthathe izingozi eziningi. Vele ngaphezu kokudingekayo. Ngamafuphi, kukwenza ucabange ukuthi kufanele yini ukwamukela lezi zingozi eziphakeme noma cha.