Uma kunenkambiso ezimakethe zezezimali ukuthi abatshalizimali abancane nabaphakathi bathanda okuncane, lokho akulona olunye uhlangothi. Akuhambisani nokwenza ukonga kube yinzuzo ngoba hhayi ukuthambekela okucacile, noma ngomqondo owodwa noma komunye. Kubiza kakhulu, ngakho-ke, ukusebenza nezibambiso ngoba imbuyiselo engatholwa kubo incane kakhulu kulesi simo.
Umkhuba we-lateral uhamba ngebhande elincane kakhulu, futhi ngokuvamile ubhekene nokusekelwa okuthile nokuphikiswa okuyikhona okungashintsha ukunyakaza ezimakethe zezimali. Eqinisweni, abatshalizimali lapho kuvezwa lesi simo se-nondescript imvamisa bayayeka ukwenza noma yikuphi ukunyakaza. Balinde ukuthi lokhu okwenzeka kamuva kwephulwe ngapha nangapha, bese ngale ndlela kuchazwe abanye isu lokutshala imali.
Lapho ukunyakaza kwe-lateral kukhula, amathuba enzuzo ngokusobala mancane kakhulu. Azivamile ukweqa isithiyo esingu-5%, futhi konke lokhu kuzimo ezinhle kakhulu ezivame ukwenzeka kulo mkhuba. Banamasu ambalwa kakhulu okwenza inzuzo ngokulondoloza kwabo futhi bonke badlula esikhathini esifushane kakhulu sokuhlala unomphela, noma esikhathini esifanayo sokuhweba ekusebenzeni kwabatshalizimali abanolaka kakhulu emakethe.
Umkhuba we-lateral: Kungani kwenzeka?
Bakhombisa ukuntuleka okukhulu kwencazelo yezimakethe zezimali. Ngakolunye uhlangothi, izindaba azisizi ukuhlanganisa izikhundla ze-bullish, kanti ngakolunye uhlangothi, izimakethe ze-equity azimbi kangako ngokwenza ukwehla okukhulu kwamanani azo. Njengomphumela walesi simo hamba phakathi kwamazinga achazwe kakhulu, ngokukhuphuka nokuvuka okuqhubekayo, kepha ngaphandle kokudlula izindawo ezibalulekile ngentengo yayo.
Kuyiqiniso ukuthi kwenzeka ngemvamisa ethile lapho izimakethe zezezimali zikhombisa ukungaqiniseki okukhulu futhi kulimaza izindaba noma imicimbi engahluka lo mkhuba esikhathini esimaphakathi noma eside. Ngisho nokufinyelela ekuphelelweni yithemba kwe- abatshalizimali abangazi ngempela ukuthi benzeni, ukungena ezimakethe, noma ukuthengisa amasheya abo noma eminye imisebenzi ebaluleke ngokukhethekile. Hhayi ize, ngokuqiniseka konke ukuthi ngabe nizibandakanye kaningi ekuthambekeni kwalezi zici.
Uma kunjalo, into engcono kakhulu ongayenza ukulinda nje. Ukuthi kukhona ushintsho futhi kunganquma ukuthi hlobo luni lokusebenza ongalwenza. Kulula kanjalo, awunazo izinketho zokusebenzisa amanye amasu okutshala imali. Ngalesi sizathu, ukuhamba kwesikhathi kuzoba umlingani wakho omuhle kakhulu ukufeza isimo esivumayo sezintshisekelo zakho njengomtshalizimali omncane oyikho.
Ithrendi eseceleni ihlala isikhathi esingakanani?
Ezimakethe zezimali, ubuningi ngokuvamile abuqhubeki ngokuhamba kwesikhathi. Imvamisa ayidluli izinyanga ezi-3 noma ezi-4, yize kunezimo ezehlukile kakhulu ezijwayele ukunweba lezi zikhathi zokugcina futhi zicishe zihlale izinyanga. Kuyisimo esibi kakhulu esingavezwa ngezintshisekelo zakho. Lokho ukusho, ukubambeka kanye nezinyanga eziningi ezizayo. Kuncane ongakwenza kulezi zimo ezingachazwanga kahle.
Kufike ezingeni lokuba nesithukuthezi futhi uqondise imali oyongele kweminye imikhiqizo yezezimali, kufaka phakathi okuphuma kumholo ohleliwe. Akumangalisi ukuthi bazokunikeza imbuyiselo engaguquki futhi eqinisekisiwe lapho ungenza khona impahla yakho ibe nenzuzo. Ngaphandle kokwazi okungenzeka ezimakethe zezimali. Kuyiqiniso futhi ukuthi lapho ukunyakaza kwe-lateral kuphuka kukwenza ngamandla amakhulu. Futhi kulapho ungasebenzisa khona ukwenza imisebenzi enenzuzo ngempumelelo enkulu.
Noma ngabe ikuphi, kunento eyodwa eqinisekile futhi leyo ukuthambekela kohlangothi akuhlali unomphela. Ngokushesha kuyaphela, ukuhambisa ukunyuka okuya phezulu noma phansi, kuya ngezimo zezimakethe zezimali. Kungaleso sikhathi lapho kufanele wenze isu elichazwe kahle lokutshala imali elihlangabezana nokulindelwe. Futhi isimo esihle kunazo zonke sokuthola izinzuzo zemali, noma ngesikhathi esifushane.
Amasu okutshala imali
Ngesikhathi sokunyakaza kwe-lateral ngeke ube nezenzo eziningi zokukhulisa ukusebenza. Zizokhawulelwa kakhulu, futhi futhi azisebenzi kahle. Ezimweni eziningi, basizakala ngokunyakaza okuncane ngamagama amafushane kakhulu. Yiso kanye isikhathi lapho imisebenzi yakho emakethe yamasheya kufanele iqondiswe khona. Ngaphandle kokuphuthuma isikhathi esinqunyiwe.
Kuzoba lula kakhulu ukuthi kulo mkhuba wokungaqiniseki okukhulu ufake umyalo wokunciphisa ukulahleka uma kwenzeka ukwehla okwehla kwezilinganiso zamanani. Ngale ndlela uzokugwema ukucasuka okungaphezu kokukodwa. Ngaphezu kwalokho, inani lemisebenzi akufanele libe phezulu kakhuluNgokuphambene nalokho, kulawulwa izidingo ngaso sonke isikhathi. Ungalokothi ube ngaphansi kwenani elimele ngaphezu kwe-60% yemali etholakalayo yokutshala imali.
Bonke abatshalizimali bavumelana ngento eyodwa, futhi lokho kufanele ube njalo ngokushesha ekuhwebeni kunezinye izitayela. Awukwazi ukukhohlwa lokhu kwesisekelo uma ufuna ukuthola inzuzo engcono ekusebenzeni okwenziwe ngaphansi kwalesi simo. Akumangalisi ukuthi noma ikuphi ukunganaki onakho ungakukhokhela kakhulu. Kukushiya ama-euro amaningi endleleni. Yinto okufanele uyigweme ngaphansi kwanoma yiziphi izimo.
Izinketho zokutshalwa kwezimali
Kulesi simo esiseduze kakhulu ezimakethe zamasheya zamazwe omhlaba, ngeke ube nokunye ongakwenza ngaphandle kokuya kwimikhiqizo ekhombisa lesi simo. Zimelelwa ezinye zezimali zokutshala imali zohlobo oluthile. Kunoma ikuphi, kunokunyakaza okuthile abangakwazi ukukusebenzisa ngaphansi kwanoma yiziphi izimo. Nengozi yokuthi izikhundla zabo zihileleke, futhi lokho kuzoqala kusukela kuzenzo ezilandelayo.
- Lungisa ama-oda wokuthenga ku- isiteshi esiphakeme kakhulu senkambiso yangemuva, ngaphandle kokuthi amazinga abo okumelana nawo adluliwe.
- Izimali ozitshalile kumele ziqondiswe esikhathini esifushane, ukuze ungachayeki ekunyakaziseni ukubuyela emuva kwethrendi okungakushiya ubambeke kumanani akhethiwe.
- Amasu ozowaklama akufanele neze ziboniswe ukunyakaza okungazelelwe ngaphakathi kwalowo mkhuba we-lateral, ngoba bangakwazi ukwenza isikhundla sakho sibe nzima ezimakethe zezimali, kanye namazinga okunzima ukuwacabanga kusuka kunoma iyiphi iphrofayili yomtshalizimali.
- Uma, naphezu kwakho konke, uthatha isinqumo sokuvula izikhundla ezimakethe zamasheya, akufanele ukwenze lokho ngaphansi kwanoma yimiphi imihlahlandlela enolaka ngempela. Kuzofanele dalula inani lemali elingabalulekile kakhulu, nokuthi ngeke uzidinge ezinyangeni ezimbalwa ezizayo.
- Ngeke ube nokhetho ngaphandle khetha izibambiso ezinamanzi kakhulu, okukuvumela ukuthi uphume ngokushesha ezimakethe zezezimali ezimweni ezingezinhle kakhulu zezintshisekelo zakho nezokonga.
- Ungabheki ukwenza amanani wakho wephothifoliyo oyitshala ukungabaza okuningi ezimakethe imali engenayo eguquguqukayo. Yikho okungakunika ukungathandi okuningi kulesi simo esiyinkinga njengoba lokhu kunjalo.
- Uma ufuna vikela ukonga, enye indlela engcono ozoba nayo ukusebenzisa i-oda lokuthengisa elikuvimbela ekulahlekelweni yimali eningi ekusebenzeni okwenziwe ngaphansi kwalesi simo emakethe yamasheya. Ukwazi ukuthi uzoba namathuba angcono okuphinda uthathe izikhundla zakho kunoma iyiphi yalezi zimakethe.
Ukuhlukahluka kuzinkomba ezihlukile
Esinye isici okufanele usicabangele ukuthi ukubekwa eceleni akusho ngaso sonke isikhathi kuwo wonke ama-stock indices, futhi ikakhulu kuzo zonke izibambiso ezibalwe. Ungakhohlwa uma uzogxila kutshalomali lwakho ezimakethe zezimali. Akumangalisi ukuthi ungaya kulabo abangekho ngaphansi kwethonya lalo mkhuba ojwayelekile. Kukhona njalo amathuba okutshala imali, futhi ikakhulukazi ukuthi zakhiwe ngo-uptrend, noma okungenani zixutshwe nokunyakaza kwe-lateral.
Yize inkomba efana necala elithile lokukhetha kukazwelonke ingahle ihambe ngaphansi kwethreal lateral evelele, akusho ukuthi wonke umuntu kufanele alandele umugqa ofanayo wethrendi. Hhayi kancane, ngenhlanhla kubatshalizimali abancane. Kwenzeka ngobuningi obuthile ukuthi amanye amanani aso engakwenzi ngaphansi komugqa ofanayo wesenzo. Futhi ikakhulukazi ezinye izinkomba ezivela kwezinye izindawo, ezisondele kakhulu kwezethu.
Kulezi zimo esiziphakamisayo, ukuvela kwentengo yayo kuhamba ngenye indlela, okungukuthi ngokunyakaza okuphezulu noma okuphansi, okungakhethwa noma okungakhethwe nguwe ukuvumelana nephothifoliyo yakho yokutshala imali kusukela manje kuqhubeke. Ngisho nangaphansi kwecebo elinolaka ngempela, sinjalo nesifiso sakho ezinyangeni ezimbalwa ezizayo.
Ukusuka kule ndlela eya ekutshalweni kwemali, awukwazi ukukhohlwa ukuthi elinye lamasu asebenza kahle kakhulu lifaka ukubhekana namagugu, okuyiwo yenza kangcono kunayo yonke inkomba ejwayelekile. Bazoba kulezo zikhathi labo abamele amathuba amahle kakhulu okutshala imali. Ngamandla amakhulu wokubuyekeza izinyanga, noma izinkathi ezimfushane uma leyo kuyiphrofayili yakho njengomtshalizimali omncane.
Ngakolunye uhlangothi, ukuphepha okunokuvela okubi kakhulu kunama-indices ezimakethe zamasheya abo kumelwe. Kulesi simo esithile, awunakukhetha ngaphandle kokubashiya ngaphandle kokuvuleka kwesikhundla ozokwenza kube semthethweni. Ubeka engcupheni enkulu yokuthi uzolahlekelwa yingxenye yezimpahla zakho uma ukhetha lokhu kuhamba ezimakethe zezimali.
Kungase kube nezimo zokuphepha okucatshangelwayo. Imiphumela iyingozi kakhulu kunezinye izinketho. Ukwazi ukukuxhuma uma ukuvela kwamanani abo kungahambisani nokulindelwe ozifakile kulezo zinkampani. Unganqikazi ukwenqaba ukuthatha izikhundla kulesi sigaba samasheya. Isibalo esiphakathi kwengozi nokubuya ngokuqinisekile ngeke sikunxephezele wena noma abanye abatshalizimali. Kuzoba isikhathi lapho uzisebenzisa zonke lezi zeluleko.