IFederal Reserve yase-United States (FED) ithuthele kuthebhu yokugcina, njengoba kukhonjisiwe abanye babahlaziyi bezezimali abacwengisiswe kakhulu. Ngoba empeleni, inqume ukukhuphula amanani ngephuzu lekota, kufinyelela ezingeni lelo iphakathi kuka-1% no-1,25%. Kepha okubaluleke kakhulu yilokho ekushoyo esitatimendeni sayo esilandelayo, ngokugcizelela ukuthi izimisele ukunciphisa usayizi webhalansi yayo. Lokhu empeleni kusho ukuthi uma izimo zezomnotho zifuna lokho, isikhungo ngeke sinqikaze futhi singasebenzisa i-QE entsha.
Kunoma ikuphi, imininingwane yakamuva eshicilelwe ikhombisa ngokusobala ukuthi yabo izibikezelo zezomnotho. Njengomphumela wabo, baxwayisa ngokuthi kungenzeka kube nokwehla kwezomnotho okungenzeka kube khona akubhekiwe ezibikezelweni zakho. Ngandlela thile, kungubuso nesiphambano salezi zindaba ezifanele okuzoba nemiphumela eyanele kuzo zonke izimakethe zezezimali. Lapho, vele, isikhwama sikhona. Ukuthi kungaholela ekwehlukaneni kokwakhiwa kwephothifoliyo yakho entsha yokutshala imali.
Ngaphezu kwalokho, ekukhishweni kwayo okusikisela abezindaba, iFederal Open Market Committee (FOMC) iveza ukuthi "imakethe yezabasebenzi iyaqhubeka nokuqina nokuthi umsebenzi wezomnotho ukhule kulo nyaka." Olunye ulwazi olufanele oluvelayo olwezezimali zasekhaya luye lwaphindeka ezinyangeni ezedlule. Uchungechunge lwedatha oluzohlaziywa ezinsukwini ezizayo ngabo bonke abenzeli bezezimali. Futhi lapho bengathola khona imibono engaphezu kweyodwa yokuyiyisa ezweni eliyimali eliyinkimbinkimbi njalo.
Kutholwa kanjani ukunyuka kwamazinga?
Ngakolunye uhlangothi, i-FED nayo "ilindele ukuqala ukusebenzisa ukwehliswa kulo nyaka, uma umnotho wezwe uguquka njengoba bekulindelekile." Yize benikeza imininingwane eminingi yokuthi ungakwenza kanjani. Yize kungathinta lezo zibopho ezifika ekuvuthweni. Kuze kube manje, ukusabela kwezimakethe zezezimali kube yi-bearish ngokulinganisela. Ngefayela le- ukwehla kwezimakethe zamasheya zase-United States cishe iphesenti lephesenti. Ngezilinganiso ezifanayo namanani ezwekazi elidala, kufaka phakathi iSpanish.
Vele, ukusabela kokuqala kwabatshalizimali akulungile impela, kude nakho. Ukufika lapho iqoqwa ngokuthengisa okubalulekile ezikhathini zokuhweba ngemuva kokushicilelwa kwalesi sinqumo esibalulekile. Okwamuva ukuzinzisa amanani entengo. Kunoma ikuphi, akusethiwe njengesiqalo sokuthuthukisa izimakethe zokulingana emhlabeni jikelele.
Lesi simo sidala ukuthi imisebenzi yesikhashana ihlupheke kakhulu noma kancane. Ngenzuzo enkulu yezikhundla ezimfushane kunabathengi. Ingasetshenziselwa ukuqoqa inzuzo enkulu noma ukusizakala ngokwenqaba kwalezi zinsuku ukuthenga amasheya ezinkampani ezibalwe ngentengo yokuncintisana kakhulu. Kuya ngamasu wokutshala imali ngamunye wabasebenzisi ezimakethe zezezimali abanayo engqondweni. Futhi manje kungaba yileso sikhathi ngemuva kokwehla kwesilinganiso e-United States.
Imininingwane yezomnotho ngemuva komhlangano
Hhayi nje kuphela ukuthi inzalo yehlisiwe, kepha i-FED ikhiphe izilinganiso zayo ngomnotho waseMelika ezinyangeni ezimbalwa ezizayo. Ngalo mqondo, kufanele kuqashelwe ukuthi i- isibikezelo sokukhula salo nyaka ngeshumi elilodwa kuya ku-2,2% futhi ibagcina bengashintshiwe ngonyaka ka-2018 nango-2019. Ngenkathi enye ingxenye ilinganisela ukuthi ukwehla kwamandla emali kuzohlala kuku-1,6%, okusho ukuthi, izilinganiso ezintathu kwezeshumi ngaphansi kwezilinganiso zonyaka odlule. Imininingwane ezobukwa ngengilazi yokukhulisa ngabatshalizimali ezonquma ukuthi yisiphi isinqumo sabo esizokwenza ukonga kwabo kube nenzuzo.
Mayelana nezinqumo ezithathwe emhlanganweni, amalungu e-FED awenzanga zinguquko kwisibikezelo sabo samazinga wenzalo. Yilokhu kuphela ebesikudalula futhi okucabanga ukuthi inani lenzalo kolunye uhlangothi lwe-Atlantic luzobekwa ku-1,4%. Kunoma ikuphi, imele ukukhuphuka okukodwa kulo nyaka, ngaphandle kokukwazi ukukhipha okunye ukwenyuka ezinyangeni ezisele. Ngaphezu kwalokho, yilokho abahlaziyi abaningi bezezimali ababaluleke kakhulu abakulindele.
Kubathinta kanjani abasebenzisi?
Okwamanje, lesi silinganiso semali ngeke sibe nomthelela omkhulu endaweni ye-euro. Njengoba besichaza, esikhathini esifushane kungasho ukuthi a ukuqoqwa kwenzuzo ngabatshalizimali abakhulu nabancane. Yize kungalindelekile ukuthi kufinyelele emazingeni eminye imicimbi. Kodwa-ke, le miphumela ingahle ifiphazwe ukulungiswa ezimakethe zezimali. Kuze kube seqophelweni lokuthi kuzoba nzima kakhulu ukulinganisa imiphumela yangempela yalokhu kukhuphuka kwamanani wenzalo yaseMelika.
Kepha kulokhu, yini okungalungile kumasheya kulungile kokulungisiwe. Ngoba empeleni, izokhiqiza imikhiqizo yasebhange yokonga ukukhulisa inzuzo yabo kancane. Ukunikeza inzuzo engcono kumakhasimende akho. Kunoma ikuphi, lolu shintsho ngeke lufinyelele ezimakethe zezwekazi elidala, ezingeke zizwe mthelela. Ngalo mqondo, ungaqiniseka ukuthi ngeke kuthinte amadiphozithi akho esikhathi, amanothi ezethembiso zebhange noma ama-akhawunti akhokha kakhulu, phakathi kwamamodeli afanele kakhulu. Kuphela phakathi kwabasebenzisi benye indawo enkulu yezomnotho emhlabeni.
Kulokho okungakhiqiza ukunyakaza okuningi ukuthi kukhona ukungazami okukhulu ezimakethe ezehlukene zezezimali. Futhi ukunyakaza kukabani ingasetshenziswa ngabahwebi ukwenza imisebenzi yayo. Ngomehluko omkhulu phakathi kwezintengo eziphezulu nezincane. Uma ushesha ekusebenzeni kwakho, uzobe usesimweni esifanele ukwenza imisebenzi yakho ibe nenzuzo kusukela manje kuqhubeke. Yize kunengozi enkulu ekusebenzeni. Lapho imakethe yezimali izoba ngumkhiqizi wayo omkhulu, ibe ngomunye wabathinteke kakhulu kunqubomgomo yemali ye-FED.
Isimo samazinga wenzalo eYurophu
Ngaso sonke isiqiniseko sokuthi okuzobaluleke kakhulu kuwe yilokho okwenzeka ngamaphoyisa emali endaweni ye-euro. Yilapho izothinta imali yakho kakhulu. Yebo, ngalo mqondo konke kuzoqhubeka njengakuqala. Ngoba impela, akubanga khona okusha. Futhi ngalo mqondo, izimakethe zamasheya azinaso esinye isimo sokuthuthukisa ukuvela kwazo ezimakethe zezezimali. Akunangqondo ngandlela thile, njengoba kwenzeka ezinyangeni ezisanda kwedlula. Ngandlela thile, kuyinto okufanele isize ukuhlanganisa izimakethe.
Kunoma ikuphi, konke kubonakala kukhombisa ukuthi ukukhuphuka kwamazinga okuqala endaweni ye-euro kungenzeka ekupheleni konyaka. Uma kunjalo, kungaba yinto ekhuthaza abatshalizimali ukuthi bahlehlise izikhundla, yize bekude nanoma yiluphi uhlobo lokwesabisa. Kepha kunalokho, ngendlela elawulwayo futhi ngaphandle kwemiphumela eminingi esikhathini esiphakathi nesikhathi eside. Kunoma ikuphi, kufanele uxwayiswe ukuze ukwazi ukusebenzisa amasu okutshala imali ngokuhambisana nalesi simo esisha sezomnotho nezezezimali.
Ngakolunye uhlangothi, akukho okunye ongakwenza ngaphandle kokuba wazi konke okungavela emihlanganweni ye I-European Central Bank (ECB). Ngoba bangakunika inkomba engaphezu kweyodwa lapho isibhamu sizohamba khona ezinyangeni ezimbalwa ezizayo. Futhi ngakho-ke ungenza nokunyakaza kwakho ngamasheya kube nenzuzo kusuka kulezi zikhathi. Ngeke kube ngumsebenzi olula, ukude nawo, kepha ngokuqeqeshwa okuncane uzofinyelela izinhloso zakho ngokwanele okuthile. Ungakhohlwa ukukucabangela uma ungafuni noma yiziphi izimanga ezingezinhle ngesikhathi esithile kulo nyaka noma ngonyaka olandelayo.
Konke okufanayo kumholo ongaguquki
Mayelana nemikhiqizo yasebhange kanye nemali engaguquki ngokujwayelekile ngeke kube khona okungajwayelekile. Lokho, akunanzuzo kuze kube manje. Kokubili kuma-term and deposit kuma-akhawunti akho. Ngeke zibe khona izinguquko zanoma yiluphi uhlobo, kungabi ngokuhle noma ngokubi. Futhi konke lokhu kubheka okwenzekile e-United States nokuthi ngeke kube nemiphumela lapha. Uma ufuna ukwenza ngcono imbuyiselo kulondolozo lwakho, awunaso esinye isixazululo ngaphandle kokulindela ukuthi lilingise ukusebenza kweFederal Reserve.
Ngalo mqondo, okujabulisa kakhulu ongaba nakho ukuthi kunoshintsho olukhulu kumgomo wezimali ngabaphathi bomphakathi. Ngenkathi lokhu kungenziwanga, ngeke kudingeke ulinde noma yiziphi izinguquko kumikhiqizo yezezimali oqashile okwamanje. Kunoma ikuphi, kuzoba ipharamitha efanelekile okufanele uyicabangele ngaso sonke isikhathi. Manje futhi kusukela ezinyangeni ezimbalwa, ngoba kungenye yezinto ezihleliwe ezimakethe zezimali.
Ekugcineni, ungakhathazeki ngezikhundla zakho kuzo zombili izimali kanye nemali engenayo engaguquki. Ngeke kuthinte okungenani. Enye into ehluke kakhulu yilokho odlula kukho ngonyaka ozayo. Ngoba impela isimo ngeke sifane ncamashi. Lapho kuzofanele ulungele ukusebenzisa amathuba amabhizinisi.
Kepha qaphela ukuthi i-Fed inyusa amanani emali yenzalo yize kunjalo nokwehla kwamandla emali. NgoLwesibili olwedlule e-United States, kumenyezelwe iProducer Price Index, ebisasele kumanani afanayo nangoMeyi owedlule yize ukwehla kwezindleko zokunye ukudla kanye nokwehla kukaphethiloli.kungaba yini ukwenyuka kwesibili kwamazinga wenzalo? Ngokuqinisekile akusona isikhathi esihle sokwenyuka okwengeziwe kumanani entengo eluhlaza.
Ukubingelela nemikhuba emihle yezezimali.