Ukuhweba ngamanani amanje, kujwayelekile ukuthi abatshalizimali abancane nabaphakathi bazibuze ukuthi ngabe akusona yini isikhathi sokungena ezimakethe zezimali. Ukuwa kwama-stock indices amakhulu sekuyinto yangempela ezinsukwini zokugcina zonyaka futhi ingcindezi yokuthengisa ibekiwe nge-crystal clearness kuze kufike kowodwa amazinga angabonakali eminyakeni yakamuva. Kokubili maqondana nezimakethe zezimali zikazwelonke nalabo abangaphandle kwemingcele yethu.
Vele, lesi akusona isimo esibonwe yingxenye enkulu yabahlaziyi bezezimali abalinganisela ukuthi imakethe yamasheya izophela ngamandla amakhulu okuthenga. Ekugcineni bekungeke kube ngale ndlela kanye ne- ukungabi nathemba isungule impela phakathi kwabatshalizimali abancane nabaphakathi abanciphisa ukuvezwa kwabo emalini ngendlela abangayenzanga iminyaka eminingi neminingi. Kepha ngemuva kwakho konke, lo mzuzu osatshwa ngabatshalizimali abathengisayo ufikile.
Konke lokhu kubhebhethekiswa iqiniso lokuthi lokhu kushayeka emakethe yamasheya kuhambisana nomthamo omkhulu wezivumelwano. Ngamanye amagama, kunabatshalizimali abaningi abahlehlisa izikhundla zabo emakethe yamasheya. Ngale ndlela, izimali zaseSpain zizovala kulo nyaka kwenye ye amazinga aphansi kokuzivocavoca kokugcina. Yize okubi kakhulu kunakho konke ukuthi i-uptrend isiphuke ngokuphelele ekugcineni. Isandulela esibi sokuthatha izikhundla kusuka kulezi zikhathi eziqondile.
Goqa bese ubuyela emaphoyiseni angu-7.500 XNUMX
Elinye lamaqiniso afanele kunkomba ekhethiwe yezimali zaseSpain, i-Ibex 35, ukuthi ayikwazanga ukugcina izikhundla zayo kamuva lapho ihambe khona kulo nyaka omubi yezimakethe zezimali. Emazingeni amaphuzu angu-8.800 nokuthi ngimholele ekutheni avivinye ukusekelwa kokugcina kwesilinganiso asishiyile kulezi zinsuku futhi lokho kungamaphoyinti angama-8.500 XNUMX nokuthi kuzoba nzima kakhulu ukubekezelela ngenxa yengcindezi yokuthengiswa ngabatshalizimali.
Uma leli zinga futhi lidiliziwe, alisenazo izisekeli eziningi ezingafika kumaphoyinti angama-7.500 XNUMX, okuyiphuzu lesilinganiso elihambisana ne I-Brexit eminyakeni emibili nje edlule. Ngokwenza lokhu, lokhu kusho ukuthi izimali zamasheya zisazoba ne-11% yokwehla okwehlayo kusuka emazingeni okuhweba amanje, okusho okuningi ngombono wokulahleka. Akumangalisi ukuthi kuningi ongakulahlekelwa kusuka manje kuqhubeke futhi kuncane kakhulu ongakuzuza.
Ushintsho lwethrendi emakethe yamasheya
Kunoma ikuphi, kukhona iqiniso elingenakuphendulwa futhi lokho kungukuthi izimakethe zamasheya zisuke esimweni esicacile se-futureality zaya kwehla. Ngaphandle kokubona ukuthi kungamiswa ngamaphi amazinga ifulethi elingaguquguquki futhi elisebenza njengendawo yokukhomba yokuvula kabusha izikhundla kunoma yiziphi izikwele zomhlaba. Kunoma ikuphi, ukungabaza okukhulu kusukela manje kuqhubeke ukuthi lokhu kuzohlala isikhathi esingakanani. kwehle, yize abahlaziyi abaningi bezezimali belinganisela ukuthi ingahlala iminyaka engaphezulu kunalokho obekufiswa kulezi zinqubo zokulungisa.
Esinye sezimpawu ezinamandla ngokuvela kwalo mkhuba sivela ezimakethe ze United States, ngemuva kwesikhathi eside sikhuphukele phezulu kusukela eminyakeni eyalandela inkinga yezomnotho phakathi kuka-2007 no-2008. Lapho ukubuyekezwa kube semikhawulweni engaphezu kuka-100%. Ngokwalo mbono, kunengqondo ukuthi lokhu kulungiswa kwenzeka ngoba, njengoba abatshalizimali abancane nabaphakathi bevame ukusho, akukho okungunaphakade emkhakheni wemakethe yamasheya. Lapho ingavuki noma iwele khona phakade njengoba kungakhonjiswa ezimakethe zezimali eminyakeni yamuva.
Isimemezelo sokwehla kwamandla omnotho
Kunoma ikuphi, lokhu kuhamba ezimakethe zezimali kungabuye kuqondwe njengokuhamba phambili kwe- a Inkinga elandelayo emnothweni wamazwe omhlaba. Ngalo mqondo, awukwazi ukukhohlwa ukuthi izimakethe zezezimali zivame ukwehlisa izimo eziseduze kakhulu. Ngakolunye uhlangothi, lokhu kuyiqiniso elicatshangelwa yingxenye enhle yemibiko yezomnotho ngabenzeli abahlukahlukene bezezimali abaqinisekisa ukumiswa kokukhula komhlaba. Ungakhohlwa ukuthatha amanye amasu emkhakheni wokutshala imali.
Ngakolunye uhlangothi, yonke imininingwane yezomnotho iyakuthinta lokhu nokuthi kwenziwa yini izimakethe zamasheya emhlabeni jikelele ukuthola lesi simo esisha nesikhathazayo. Lapho ngokungangabazeki okuhle kakhulu nakho kuzovela amathuba ebhizinisi, phakathi kwezinye izizathu ngoba amanani ezabelo azoqhudelana kakhulu. Ngethuba lokubuyekeza elizophakama kakhulu kunamanje. Ngakho-ke, futhi kufanele ubone izici ezinhle zalesi simo ezesatshwa yibo bonke abatshalizimali abancane nabaphakathi.
Ukuhanjiswa kokugeleza kwemali
Okunye okufanele kubhekwe kusukela manje ukuthi ingxenye enkulu yemali yabatshalizimali idluliselwa kwezinye izimpahla zezezimali ezihambisana ngqo. Njengesibonelo, okuphuma ku imikhiqizo yasebhange, njengamadiphozithi esikhathi esifushane, amanothi ezethembiso zebhange noma ama-akhawunti akhokha kakhulu. Bayibonile indlela kulezi zinsuku ezisanda kwedlula ababone ngayo inzuzo yabo ikhula njengomphumela wezinqubomgomo zemali ohulumeni abamele kakhulu emhlabeni.
Ngomunye umqondo, kufanele kuqashelwe ukuthi abatshalizimali banyathele amabhuleki ekuthatheni izikhundla kulezi zimakethe zezimali. Okungenani kuze kube kunencazelo ecacile yokuthi yini engenzeka emakethe yamasheya eminyakeni embalwa ezayo. Leli qiniso liholela ukuthengisa kuyaqhubeka ngokucacile okukhulu ngokuthengwa. Okuthile okujezisa izimakethe zokulingana ngamandla athile. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe ngisho nasendaweni yokubuka izisekelo zayo.
Amasu okufanele athuthukiswe
Kuzo zonke izimo, awunakuzikhethela ngaphandle kokungenisa uchungechunge lweziqondiso zokuziphatha ukuze uvikele iminikelo yakho yezezimali ekunyakazeni okungalungile ezimakethe zezimali. Futhi lokho kuzokhawulelwa ekuthuthukiseni amathiphu alandelayo esizokudalula ngawo ngezansi:
- Cha ziveze ekusebenzeni ezingadingeki ngalesi sikhathi. Akumangalisi ukuthi kuzoba inzuzo enkulu ukulinda amanye amasu okutshala imali.
- Kufanele hlaziya ukuthi kusukela manje kuningi okufanele ulahlekelwe yikho ukunqoba. Ngalesi sizathu, akulula kuwe ukuthi ugijimele ekusebenzeni kokushintshaniswa kwesitoko ngezikhathi ezithile.
- Yiba ukuqedwa ngokuphelele Kuyithuba elihle lokuthi ubheke okunye ukutshalwa kwezimali lapho ungenza khona ukonga kube nenzuzo ngalezi zikhathi eziqondile.
- Kunoma ikuphi, uma uzokhetha ukutshalwa kwezimali emakethe yamasheya okuhlala kungaphansi kweminikelo yemali ye- inani elincane. Kuzoba isu elihle kakhulu ukuvikela izintshisekelo zakho njengomtshali-zimali omncane naphakathi.
- Kungaba umzuzu wokutshala imali onentshisekelo ngempela, kepha inqobo nje uma isikhathi saphakade sisekulo okulingene nokude. Ungalokothi esikhathini esifushane lapho unawo wonke amavoti wokulimala.
Imiphumela emibi yebhizinisi
Esinye isici esenze ukuthi le nkampani ibhalwe ohlwini emazingeni akhona manje yimiphumela ebuthaka yebhizinisi eyethule ezindaweni zokuhlala. Ngokwanda okuphawuleka kakhulu esikweletini sakho ubuza ukusebenza kwebhizinisi lakho. Ngokucaciswa okucacile kokuthengiswa kokuthengiwe, nge umfutho akuvamile ukubonwa ezivivinyweni ezandulele. Futhi ngale ndlela ayikhuphuki, kude nayo. Lesi yisici okufanele usihlaziye ngokucabangela okukhulu ukuzindla ukuthi kufanelekile ukubeka engcupheni imali yakho ekuhwebeni ngamasheya.
Ngakolunye uhlangothi, akukho okunye ongakwenza ngaphandle kokulalelisisa kusuka ngonyaka ozayo kwimiphumela yebhizinisi ekhishwa kwikota ngayinye. Bazokunikeza isignali engaphezu kweyodwa mayelana nalokho okufanele ukwenze ngaso sonke isikhathi futhi ngaleyo ndlela benze izikhundla zakho zizuze ngaphezu kokunye ukucatshangelwa kobuchwepheshe. Ngalo mqondo, iseluleko esihle kakhulu ukubalekela lezo zinkampani ezisohlwini ezethula okubalulekile izikweletu. Kanye nokuba nokukhethwa okungcono kwezibambiso ezizokwenza iphothifoliyo yakho elandelayo yokutshala imali ngokuya ngalezi zindlela ezifanele.
Kunoma ikuphi, khumbula ukuthi uneminyaka ethile eyinkimbinkimbi kakhulu yokutshala imali emakethe yamasheya ngakho-ke kuzodingeka ungenise ezinye izindlela ezehlukile. Akumangalisi ukuthi izigxobo ziphakeme ezinyangeni ezizayo. Ngaphandle kokuthi amanye ama-rebound akhethekile angakudida isu ozozisebenzisa ezinsukwini ezizayo. Uzibeka engozini enkulu njengokulondolozwa kwakho okujwayelekile.