Kuyini ukubeka imali ekuguquguqukeni?

ukuguquguquka

Ukuqala konyaka kulethe ukukhuphuka nokwehla kwentengo yamasheya asabise ingxenye enhle yabatshalizimali abancane nabaphakathi. Kulesi simo, sekuyisikhathi sokucabanga ukuthi kungenzeka yini kube yisikhathi esihle sokutshala imali oyongele ngokungaziphathi kahle. Kepha ukuze leli qhinga lithuthukiswe kahle kuzodingeka ukuthi uqonde incazelo yaleli gama engekho olimini lwengxenye enkulu yabasebenzisi. Ngoba kuyiqiniso impela ukuthi uyakwazi thola imali eningi ngaleli su elikhetheke kakhulu lokutshala imali, kepha futhi nokukushiyela ama-euro amaningi endleleni.

Ukuguquguquka kwenziwa lapho kwenzeka isiyaluyalu ezimakethe zezimali. Kufike ezingeni lokuthi unga akukho mkhuba oqondileEsikhundleni salokho, amanani entengo aqhutshwa yimibono yabenzeli bezezimali. Lapho ngokushesha zingakhuphuka ngo-5%, njengakusasa izimakethe zishiywa ngamandla afanayo noma ngomkhuba ovelele kakhulu. Kuyinkomba esobala impela ukuthi isimo esishubile sesizinze ezimakethe zezimali. Kungathinta zombili izimali zemali engenayo engaguquki noma ngisho nakwezinye izinhlobo.

Enye yezinzuzo ezinhle zokutshala imali ekuguquguqukeni ukuthi ungasebenzisa ithuba le- izimo ezingezinhle kakhulu yezimali. Ngale ndlela, izitayela eziya phezulu azidingekile ukwenza imisebenzi enenzuzo emakethe yamasheya. Sekuyiminyaka eminingi le ndlela yokuphatha entsha isetshenziswa futhi inabalandeli abayizinkulungwane nezinkulungwane phakathi kwabatshalizimali abancane nabaphakathi. Yize kubalulekile ukwazi ukuthi ungasebenza kanjani kulezi zimo ezithile. Ngoba kubalulekile ukwazi ukuthi ungangena futhi uphume kanjani ezimakethe zezezimali. Noma ngabe yikuphi: imakethe yamasheya, izimali, izinto zokusetshenziswa noma izinsimbi eziyigugu.

Ukungazinzi: Inkomba ye-VIX

Ukusuka kulesi simo esivamile sokungazinzi, enye yezindlela ezingcono kakhulu onakho okwamanje ukutshala imali oyilondolozile enkombeni ye-VIX. Akumangalisi ukuthi yaziwa kakhulu njenge inkomba yokwesaba ngezici zayo ezikhethekile. Ngoba empeleni, phakathi nokwehla kwamandla omnotho, ngonyaka ka-2008, ngenkathi i-benchmark equity index e-United States yehle cishe ngama-50%, i-VIX yazisa ngaphezu kuka-200%. Lokhu kunikeza ubukhulu balokho okumele abatshalizimali abancane nabaphakathi.

Ngoba ngenkathi izimakethe zamasheya ziwa, lokho okubizwa ngokuthi ukwesaba kuyakwazisa kakhulu. Ngale ndlela noma yiliphi isu lokutshala imali elisuselwa kulokho okuyi ukungazinzi ezimakethe zezimali. Futhi-ke lokho kubandakanya ukunyakaza kokuqina okuqinile. Lapho abatshalizimali besesimweni sokuzuza inzuzo ephezulu kusuka ezikhundleni ezivulekile ezimakethe zezimali. Ngaphezu kokunye ukucatshangelwa kwezobuchwepheshe nokuyisisekelo.

Ukutshalwa kwezimali ezikhwameni ezihlangene

Mhlawumbe indlela elula yokuvula izikhundla ekushintshashintsheni kwezimakethe zezimali kungale mikhiqizo yezezimali ebalulekile. Phakathi kwezinye izizathu ngoba baqoqa lo mkhuba kanye nezinye izimpahla zezezimali. Kufike ezingeni lokuthi kukhiqizwe  izindlela ezinamasu amaningi. Ngamanye amagama, iphothifoliyo yakho yokutshala imali yakhiwe ngamanani, ukungazinzi kanye nemali engenayo engaguquki. Ukuze ngale ndlela, uvikele ukonga kwakho ngokuhlukahluka kwabo. Lokhu kuyintsha efisa ukwazi eyethulwe yimali yokutshala imali ngokususelwa ekuguquguqukeni.

Akumangalisi ukuthi lezi zimali zikuvumela ukuthi usebenzise amathuba lapho uvame ukushiya khona isikhundla emakethe yamasheya. Ngokushintshashintsha okunamandla kwamanani nalapho umehluko phakathi kwenani eliphakeme nelincane lamasheya liphakeme kunokujwayelekile. Uzoba nezinketho ezimbili kuphela, ngakolunye uhlangothi, khetha imisebenzi yokuhweba yansuku zonke. Ngakolunye uhlangothi, khetha isikhwama sokutshala imali esiveza lezi zici ezikhethekile. Yize ingozi ebandakanyekayo iphezulu kakhulu kunaleyo yamanye amamodeli ongawathola kulesigaba semikhiqizo yezezimali. Hhayi ngeze, kuzofanele ukwenze cabanga ngakho ngaphezu kokuphindwe kabili ngaphambi kokuba ubhalisele.

Ngokuguquguquka okuphelele

Ezinye izimali ezihlanganyelanayo, ngakolunye uhlangothi, zisekela isu labo lokutshala imali hhayi ekuhlukaniseni iphothifoliyo. Uma kungenjalo ngokuguquguquka okumsulwa nokunzima, ngaphandle kokungezwa kwesinye isigaba sezimpahla zezimali noma ngabe sincane kangakanani. Hhayi ngeze, ukuthi imayelana nokusizakala ngokuphumelelayo ngamathiphu alokhu ukunyakaza okunodlame kangaka futhi kwesinye isikhathi futhi kungenangqondo. Ukuhlangabezana nalesi sidingo esikhetheke kakhulu, abaphathi benze imali egcwalisa le misebenzi kahle kakhulu. Okwamanje aziziningi kepha noma kunjalo izidingo zabatshali zimali abancane nabaphakathi ziyahlanganiswa.

Ukuziphatha kwabo kuyaphambuka kakhulu futhi kungaholela ekutheni ugcine uchungechunge lokungabaza ngesikhathi sokwenza ngokusemthethweni. Ngoba banokuwa okukhulu lapho imakethe yamasheya inyuka ngamandla njengoba kwenzekile eminyakeni yamuva. Kepha umphumela oguqukayo ubuye ushaye kakhulu ngoba uma izimakethe zamasheya zingena kufayela le- isigaba sokulungisa noma okungenani ngaphansi kwe-downtrend, ukuqhuma okuphezulu kwalezi zimali kuyamangaza kakhulu. Ukufika ezingeni lokuthi ungathola imali eningi ngabo.

Amakhomishini alezi zimali

amakhomishana

Esinye isici okufanele usihlole kusukela manje yizindleko ozozenzelwa yilezi zimali zokutshala imali. Yebo, imvamisa zikhula kakhulu kunamanye ngoba amakhomishini abo asondele 2% amazinga. Kunoma ikuphi, umehluko wabo maqondana nokulingana okujwayelekile kanye nezimali zemali engaguquki zibaluleke kakhulu. Lokho wukuthi, ukuphathwa nokugcinwa kwayo kuzodinga umzamo omkhulu wemali kusukela manje kuqhubeke.

Ngaphandle kwalokho, akukhuthazwa ukuthi unazo ngamagama amade kakhulu: aphakathi nendawo futhi amade. Uma kungenjalo, kunalokho, ziyasebenza kakhulu isikhathi esifushane lapho ungasebenzisa khona lezi zinyakazo ezikhethekile. Noma yini efanayo, zihloselwe imisebenzi ethile lapho izimakethe zendabuko zicwiliswa khona ngokungaqiniseki okukhulu. Ukukhonza kulawa macala njengesiphephelo sakho konke okutshalile. Ngaphandle kwephrofayli owethula esikhathini ngasinye: ulaka, ulondoloze noma uphakathi.

Izingozi zale misebenzi

Kubalulekile futhi ukuthi uzazise izingozi ongazithatha ngalolu hlobo lokusebenza. Ngoba empeleni, kufanele ucabange kusukela ekuqaleni ukuthi ikhiqiza izingozi ezingaphezu kweminye imikhiqizo okuhloswe ngayo ukutshalwa kwezimali. Ngalesi sizathu esiqondile akufanele utshale yonke imali yakho etholakalayo. Hhayi kancane, uma kungenjalo izosebenza ngengxenye encane yayo. Ukuze ngale ndlela, uvikeleke kakhulu ekuhambeni okungafuneki ngabatshalizimali abancane nabaphakathi. Hhayi ngeze, awubhekene nanoma yisiphi isikhwama sokutshala imali kepha sisuselwa ekuguquguqukeni. Futhi lokhu kusho ukuthi inezici ezichazwe kahle kakhulu kusukela ekukhulelweni kwayo.

Vele futhi ungakhetha ifayela le- ETFs ngokususelwe kule mpahla yezezimali. Kepha ngokunikezwa okuncane kakhulu njengamanje. Kuze kube seqophelweni lokuthi uzoba nezinkinga ezithile ukwanelisa lesi sidingo esikhetheke kakhulu onaso. Awukwazi ukukhohlwa ukuthi le mikhiqizo yezezimali ingumxube phakathi kwezimali zakudala zokutshala imali kanye nokuthengwa nokuthengiswa kwamasheya emakethe yamasheya. Ngokuhle nokubi kwamamodeli womabili enzelwe ukutshalwa kwezimali. Yize, njengenzuzo yayo enkulu, iveza amakhomishini ancintisana kakhulu, zombili maqondana nezimali ngokwazo nokusebenza ezimakethe zezimali.

Izinhlaka okufanele uzicabangele

dinero

Uma uzokhetha ukungazinzi njengomthombo wokutshala imali ezinyangeni ezizayo, kuwukuhlakanipha kakhulu ukuthi ubheke okunye okubhekwayo. Phakathi kwalokhu okulandelayo kugqama:

  • Kungumkhiqizo ngokuyisisekelo amasu ngoba kuncike ezimweni ezikhethekile kakhulu zemakethe yezimali.
  • Azisebenzi njengemodeli yokutshala imali unomphela Njengoba okuwukuphela kwento engenziwa yileli qhinga ukuthi ulahlekelwa yimali eningi kunaleyo oqale ukuyithola ezibikezelweni zakho.
  • Vele, akukhona ukutshalwa kwezimali okubhekwa njengokujwayelekile futhi ngakho-ke i- imingcele yokutshalwa kwezimali zizohluka kakhulu kuzo zonke izindawo zokubuka.
  • Ngeke ube nokhetho ngaphandle kokuba neyodwa isiko lezezimali kubanzi kunezinye izindlela ekutshalweni kwezimali. Uma kungenjalo, kungcono uyeke ukuzama ezinsukwini ezimbalwa ezizayo.
  • Kuzo zonke izimo, awukwazi ukukhohlwa ukuthi kuyindlela yokutshala imali leyo usebenzisa amasu ahlukene ukwenza ngcono inzuzo. Kulesi senzakalo, ngaphansi kwezimo eziyinkimbinkimbi kakhulu emakethe yamasheya.
  • Kuyiqiniso ukuthi awunazo ezinye izindlela eziningi ukuthi ungasisebenzisa kanjani lesi siphakamiso, okufanele usihlaziye ngokuningiliziwe ngokunikezwa kwezezimali kwamanje.

Enye yezinketho zokugcina zokusebenzisa ngokunenzuzo ukuqasha Ukuthengiswa kwezikweletu. Lokho wukuthi, lapho intengo yamasheya iwela ezimakethe. Yize lokhu kungomunye wemikhiqizo enobungozi obukhulu kubo bonke abatshalizimali. Akumangalisi ukuthi ungathola imali eningi kepha futhi ulahlekelwe yizinsuku ezimbalwa. Amaphrofayli anengozi kuphela athambekele kubo.


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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.