Ukutshala imali ezintweni ezingavuthiwe

Izinkampani ezigxile kulezi zinto zokusetshenziswa zihlukaniswa ngaphansi kwezinqubo ezimbili okufanele zibhekwe lapho kwenziwa inkontileka kule mikhiqizo yezezimali. Ngakolunye uhlangothi, kuya ngosayizi wayo. Lapho labo ingozi eyandayo ngokunengqondo yibo abancane. Ngokuhlukaniswa phakathi kwabakhiqizi nabaxhaphazi. Abaxhaphazi banobungozi bokusesha nokumba, kanti abanye bagxila ekwelashweni nasekusatshalalisweni. Le mininingwane ibaluleke kakhulu ngesikhathi sokwenza le ndlela yokutshala imali ibe semthethweni.

Kuyadingeka futhi ukugcizelela ukuthi imakethe enkulu lapho kuthengiswa khona igolide, isiliva nezinye izinsimbi ezingabalulekile (njenge-aluminium, ithusi, umthofu, i-nickel, i-zinc noma i-tin) yi-COMEX. Kodwa-ke, okuhlukile yi-platinum ngoba imakethe enkulu yi-TOCOM, imisebenzi yayo eyenziwa nge-yen yaseJapan, kanye ne-NYMEX. Lezi izimakethe zezimali okufanele uye kuzo uma ufuna ukutshala imali oyongile kwezinye zezinto zokusetshenziswa ezibaluliwe nenye enezici ezifanayo.

Ngakolunye uhlangothi, imakethe yegolide ithonywe kakhulu ukugeleza okwenziwe ezimakethe zekusasa. Ngenkathi ukuhlangana kukawoyela ongahluziwe kungama-50% endabeni yegolide, intengo ingachazwa ngo-70% no-90%. Kunoma ikuphi, awukwazi ukukhohlwa ukuthi ezinye ze- abahlinzeki bemikhiqizo emakethe yezezimali kukhona okulandelayo: UMerril Lynch, uRuffer noma uSG, phakathi kokufanele kakhulu. Ngamanye amagama, imiphi imikhiqizo enalezi zici ezithengisayo futhi enikeza izixazululo ezahlukahlukene kubatshalizimali abancane nabaphakathi.

Izimpahla: ukuguquguquka okuphezulu

Phakathi kwezici ezibaluleke kakhulu kulokhu kutshalwa kwezimali okubizwa njengenye indlela iqiniso lokuqasha ezinye izimali ezingezona eze-euro. Ngoba empeleni, akunakulibaleka ukuthi ukwazisa ngemali yaseMelika ngokubheka ukuhlangana okungekuhle okwethule ngokomlando ezinye zezinto zokusetshenziswa ezifanele kakhulu. Ngenkathi ngakolunye uhlangothi, kufanele kwaziwe ukuthi ukungazinzi kwezimali okususelwa kulezi zimpahla zezimali cishe kungama-20%. Ngalokho, ubungozi ekusebenzeni kuhlala kuphakeme kakhulu. Kuze kube seqophelweni lokuthi kungaba nokuguquguquka okukhulu kwiphothifoliyo yakho ehlukile yokutshala imali.

Leli qiniso lidala ukuthi umehluko phakathi kwe- amanani aphezulu nesezingeni eliphansi zibaluleke kakhulu futhi kunoma yisiphi isimo ziphakeme kunezinye izimali ezivamile. Isibonelo, ngokuthengwa nokuthengiswa kwamasheya ezimakethe zezimali. Yini eyenza kube ngumkhiqizo ofanele kakhulu ukuhweba noma imisebenzi yokuqagela ngenxa yengxenye yayo ephezulu yokuhluka ngokuvumelana kwamanani ayo. Lapho ungathola khona imali eningi, kepha ngesizathu esifanayo, shiya ama-euro amaningi emgwaqweni kusukela manje kuqhubeke.

Ungawaqasha kanjani?

Esinye isici sobungozi isisindo esinamandla ama-ETF nezinye izinsimbi ezisuselwa kuso enani lentengo yalezi zinto zokusetshenziswa nokungena nokuphuma kwale mpahla yezezimali. Kumele kukhunjulwe ukuthi izimali ezihwebelana ngokushintshana ziyingxube phakathi kwezimali zendabuko kanye nokuthengwa nokuthengiswa kwamasheya ezimakethe zezimali. Ngenzuzo engaphezu kwalena enikeza amakhomishini kuzo zonke izimo ukuncintisana kakhulu. Ngakho-ke, usesimweni sokwenza imisebenzi enenzuzo enkulu kwezinye zalezi zinto zokusetshenziswa. Ukufika ezingeni lokuthi uzokonga ama-euro amaningi ekuphathweni noma ekugcineni kwawo.

Izimali ezihwebelana ngokushintshisana, ngakolunye uhlangothi, zikunikeza izinhlobo ezahlukahlukene ezinikezela ngalesi sici. Ngokusekelwe ezintweni ezihlukile zokusetshenziswa: igolide, ikhofi, ukolweni, isoya noma ukhokho phakathi kokunye okuhambisana kakhulu. Ngokusebenzisa iphothifoliyo yokutshala imali echazwe kahle kusukela ngesikhathi sokulungiswa kwayo kuze kube yilapho umsebenzi usulungiswa. Lapho ungaqondisa khona ukunyakaza kuyo yonke imigomo yaphakade: imfushane, iphakathi nendawo futhi yinde. Ngokuya ngephrofayili oyivezayo njengomtshalizimali omncane naphakathi: unolaka, ophakathi noma olondolozayo noma ozivikelayo.

Ukuqashwa okuqondile

Ngenkathi enye ingxenye, kukhona futhi nethuba lokubona ukuthi i- ukukhiqizwa kwemayini kuyanda futhi ungathola inkontileka yezinto ezingavuthiwe ngqo ezimakethe lapho le mikhiqizo yezimali ithengwa futhi ithengiswe khona. Hhayi ngamapulazi amasha kepha ngokukhiqizwa okuphezulu kwalawa akhona. Le ngozi incishiswa yizinzuzo eziphakeme izinkampani eziphethe ezentengiselwano zayo ebezihambisa. Lapho kugqama khona ukuthi inqubomgomo yokutshalwa kwezimali ibincane futhi lokhu kuyinto ehlala ikuthanda njengomtshalizimali omncane naphakathi.

Ngalo mqondo, kuyathakazelisa kakhulu ukuhlola ukuthi kunezinkampani eziningi ezisohlwini ezixhumene kakhulu nokukhiqizwa kwalezi zinto zokusetshenziswa. Kokubili ezimakethe zikazwelonke nangaphandle kwemingcele yethu ukuze ngale ndlela ukwazi hlukanisa kangcono utshalomali lwakho kusuka manje. Ngaphandle kwanoma yisiphi isikhathi inzuzo efanayo iyahlupheka ekusebenzeni kwezezimali, njengoba kuyisifiso sakho ngalesi sikhathi. Ngakho-ke ungatshala imali yakho, ngokwesibonelo, kukolweni noma ku-cocoa. Izinto zokusetshenziswa ezibonisa inzuzo ephezulu ezinyangeni ezedlule.

Izinto zokusetshenziswa ezimali

Enye indlela yokuhambisa utshalomali lwakho yenziwe nge izimali zokutshala izimali zalezi zici. Enye yeminikelo yayo eyinhloko ilele ekutheni ingaxhaswa nezinye izimpahla zezezimali. Kokubili kusuka kwimali engenayo engaguquguquki nasemholweni oguqukayo noma nakwezinye izinhlobo ezinjengalezi. Ukuze ngale ndlela, ukwazi futhi ukwehlukanisa izimali ngendlela eyiyo futhi ezinzile. Ukwakha isikhwama sokonga esithakazelisa kakhulu sesikhathi esimaphakathi neside. Njengecebo lokutshala imali ukwenza ukonga kube nenzuzo kulezi zikhathi.

Ngenkathi ngakolunye uhlangothi, izimali zokutshala imali ezisuselwa kulezi zimpahla ezikhetheke kakhulu zezimali ziyindlela yokutshala imali ejwayelekile. Ikakhulukazi lapho i- ukungazinzi okukhulu ezimakethe zokulingana ngasizathu simbe. Ukuba yisixazululo ekushodeni kweziphakamiso zokuthuthukisa ukutshalwa kwezimali ngaphandle kokuthengwa nokuthengiswa kwamasheya ezimakethe zezimali. Kungenzeka kanjani ngalesi sikhathi emakethe yamasheya lapho ufaka ushintsho lomkhuba, ukusuka ku-bullish kuya ku-bearish. Okuthile ngokungangabazeki okungakudikibalisa ezinhlosweni zakho zokwenza ukonga kube nenzuzo.

Izici zalezi zimakethe

Akungabazeki ukuthi ukusebenzisa izindleko zamathuba okuba nemali yakho ye-premium kumabhalansi akho aphezulu amanani enzalo Ingenye yezinzuzo ukutshalwa kwemali ezintweni eziluhlaza. Ngaphezulu kolunye uchungechunge lokucatshangelwa kobuchwepheshe futhi mhlawumbe futhi ngokubuka kwezisekelo zalo. Ngoba ukufaka imali ezintweni ezingavuthiwe bekulokhu kungenye yezinsiza abatshalizimali abancane nabaphakathi ababenazo. Ikakhulukazi kweminye iminyaka lapho ukuzinza kwentengo kwakungezinye zezinhlaka ezifanele kakhulu ezifanele.

Ngaphezu kwalokho, awukwazi ukukhohlwa ukuthi lolu hlobo lokutshalwa kwemali belungeyona into ecatshangelwayo nhlobo, yize kunjalo ngalo mqondo isakhiwo sayo senziwe ukuguqulwa ngendlela yokusebenza. Ukuze kungasafani ukuqasha le mikhiqizo ekhethekile. Akumangalisi ukuthi izingozi ziyakhula, phakathi kwezinye izizathu zokuguquguquka kwayo okuphezulu okungathatha ngisho nokufika ku-30% noma ku-40% ekuguqukeni kwamanani ayo. Ukuze ube nezinkinga eziningi zokulungisa izintengo, kokusebenza kokuthengisa noma kokuthenga.

Isimo samanje sezimakethe

Njengamanje, kunempahla enenzuzo enkulu edlula izimakethe zokulingana. Ikakhulukazi izinsimbi eziyigugu ezinikeza ukubuyiselwa kokonga kusondele kuma-50% ngonyaka odlule. Ngokukhethekile igolide, okuyisibambiso esisebenza njengendawo ephephile lapho kubhekene nezimo zokuzinza ezimakethe zezimali. Lapho ingxenye enhle yenhlokodolobha yabatshalizimali abafuna ukuthula kwengqondo lapho kwakhiwa iphothifoliyo yabo yokutshala imali iya khona.

Okokugcina, kufanele futhi kugcizelelwe ukuthi lesi sigaba sokutshalwa kwezimali kufanele sisebenze njengomphelelisi wokukhulu. Akukaze kube njengokuhamba phambili njengoba lelisu lokutshala imali lingaveza imiphumela engadingeki esitatimendeni sakho semali engenayo. Ngaphandle kolunye uchungechunge lwezinto eziningi zobuchwepheshe. Kunoma ikuphi, kufanele uhlaziye lezi ziphakamiso zokutshala imali ngoba kuningi okusengozini kulolu hlobo lomsebenzi ezintweni zokusetshenziswa. Ngoba ngakolunye uhlangothi, iningi lale misebenzi yenziwa kwezinye izimali ngaphandle kwe-euro: idola laseMelika, i-franc yaseSwitzerland noma i-yen yaseJapan. Ngezindleko zemali okushintshaniswa nemali kumkhiqizo ngamunye okhethiwe wezezimali: amakhomishini, imali ekhokhwayo, njll.


Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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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.