Vele, okuphuma kwezezimali kungenye yemikhiqizo eyinkimbinkimbi kakhulu abatshalizimali abangayibhalisela okwamanje. Akumangalisi ukuthi babonakaliswe ngengozi ekusebenzeni okuphezulu kunayo yonke imikhiqizo yezezimali. Ngalesi sizathu, ayifanele wonke amaphrofayili wabatshalizimali abancane nabaphakathi. Uma kungenjalo ngokuphambene, labo abanokuningi ulwazi nokufunda ekusebenzeni kwayo. Ukuze ngale ndlela, izingozi zokulahlekelwa yingxenye enhle yezimpahla ezitshaliwe zincishiswe. Okuphuma kwezezimali kungathathwa njengokunye okungaziwa kakhulu emkhakheni wokutshala imali.
Kulesi simo esivamile, akukho okungcono ukwedlula ukuqonda kwangempela ukukhombisa ukuthi ngabe kulula yini kuwe ukwenza lolu hlobo lomsebenzi kusukela kulezi zikhathi eziqondile. Ngoba empeleni, okutholakele kwezezimali kungumkhiqizo ohloselwe ukutshalwa kwezimali futhi inani lawo lincike kokuthi intengo yenye impahla yezezimali okuvame ukubizwa ngokuthi yisisekelo. Lokho kusho ukuthi, uma ngokwesibonelo uwoyela usetshenziswa kunani elizayo, ngemuva kwakho konke, sikhuluma ngentengo yegolide elimnyama.
Kufanele kushiwo ukuthi uma noma yini etholakala kwezezimali ibonakala ngento ethile, kungenxa yokuthi ingumkhiqizo oguquguquka kalula. Lokhu kusebenza kusho ukuthi kungabhekisa kunoma iyiphi impahla yezezimali ebiza usawoti wayo, ngokungenamkhawulo maqondana nokunikezwa izimakethe zezimali ezingakukhiqiza. Okusho ukuthi, kusuka kumasheya ahlukene athengiswa ezimakethe zezimali kuya kuma-indices esitokisi, amanani entengo noma izinto zokusetshenziswa. Ngaphandle kokukhohlwa izimpahla ezivela emholweni ohleliwe. Lokho wukuthi, uzoba nezinketho eziningi ongakhetha kuzo futhi wenze ukonga kube nenzuzo ngokuya ngecebo oliklama ngaso sonke isikhathi.
Okuphuma kwezezimali: ukwakheka kwabo
Lesi sigaba semikhiqizo yezezimali sihlukaniswa ngokuvuleleka emathubeni amasha emkhakheni wokutshala imali. Ngalo mqondo, okubizwa ngokuthi okuphuma kokunye kuya ngokuya kukhula njalo. forex obani labo abangenelela kwi izinga lokushintshaniswa kwemali. Kulolu hlobo lwemikhiqizo yezezimali ungathatha izinketho eziningana ngezimali ezahlukahlukene. Akudingeki kube yi-euro, kude nayo, kepha uvulekele zonke izinkampani zomhlaba ezibhalwe ezimakethe zomhlaba wonke. Kusuka kudola laseMelika, i-franc yaseSwitzerland, i-yen yaseJapan noma i-krone yaseNorway.
Kuyindlela ecacisiwe etholakele yezimali ehlangabezana nesidingo esikhetheke kakhulu esivela kubatshalizimali abancane nabaphakathi. Hhayi ngeze, zezimali Kungokunye kokukhishwa okukhulu kakhulu ukusebenza nale modeli yokutshala imali. Yize nayo ingenziwa ngezinto zokusetshenziswa, izinsimbi eziqondile noma ngamabhondi azimele. Ngale ndlela, akukho mingcele yanoma iluphi uhlobo ukuze ukwazi ukusebenza kusuka kulezi zikhathi eziqondile. Kunoma ikuphi, okuzodinga izinga eliphakeme lokufunda emisebenzini yakho, ngemuva kwakho konke, akukhona ngokuthenga nokuthengisa amasheya emakethe yamasheya.
Okuphuma kwizikweletu
Kukhona nezinye izindlela ezintsha kakhulu zokwenza lokhu kutshalwa kwezimali futhi okuqondiswe kulokho okubizwa ngokuthi okutholakele ngesikweletu. Kungumngcipheko wokuthi i-a isikweletu noma ivawusha futhi lokho kube nokubaluleka okukhethekile phakathi neminyaka yokuqala yenkinga yezomnotho. Lapho abatshalizimali bekwazile ukwenza imisebenzi yabo ibe nenzuzo ngamamaki aphezulu kakhulu wokulamula kunakwamanye ama-derivatives ajwayelekile wezezimali. Yize ngakolunye uhlangothi izingozi zokuthatha izikhundla kule mikhiqizo ziphakeme kakhulu. Kuze kube seqophelweni lokuthi ungashiya ama-euro amaningi endleleni uma ukuvela kwawo kungekona obekulindele kwasekuqaleni.
Kusuka esimweni esejwayelekile, kufanele futhi utshele ukuthi yimikhiqizo yezezimali engaqondisiwe kunoma iyiphi iphrofayili yabatshalizimali. Hhayi kancane, ngoba kuphela labo abajwayele lolu hlobo lomsebenzi abazokwazi ukuthola yenza imali ngempahla yakho noma umndeni. Lokhu akumelwe ukhohlwe ukuze ungatholi isimanga esingesihle neze ezinsukwini ezimbalwa ezizayo, futhi njengoba kwenzekile kozakwenu abatshalile kulo mkhiqizo wezezimali bengazi ukuthi bekuyini ngempela. Futhi imiphumela ayinakuba yinhlekelele enkulu ukusuka ekubukeni kokubalwa kwemali kokusebenza.
Ngabe ufuna ukwazi ezinye izinto ezisuswayo?
Vele, uma okufunayo kungukumangala okungavamile kokwenza utshalomali lwakho ngezithako zezezimali, ngeke ube nezinkinga ezeqile. Ngoba impela, ungathola futhi okunye okuphuma njengokuphakamisayo nokwenziwa okusha njengalokho okususelwa ekukhishweni kwe-CO2, okuphuma kumandla emali, njll. Yize kungabonakala kungakholeki, ungenza imali ngalezi ezinye izindlela zokutshala imali. Yize njengakwezinye izimo ezedlule ezinomthamo obonakalayo wobungozi ekusebenzeni. Akumangalisi ukuthi azenzelwanga umuntu ofayo ovame kakhulu.
Ngakolunye uhlangothi, kukhona nabakhona kuleli thuba lebhizinisi okuthiwa Izimpahla. Ziyizinketho ezintweni zokusetshenziswa, njengoyela noma igolide, phakathi kokunye okuhambisana kakhulu. Lapho, okunye okwaziwa kakhulu kuvezwa izinketho, ikusasa noma iziqinisekiso ngokwazo. Vele, kungenye yezindlela zokusondela ezweni lotshalo-mali nokuthi likhona ezinikezweni ezakhiwe eminyakeni edlule, amabhange nezinkundla zezimali.
Izimali ezivela kokunye kwemali
Esinye isici okufanele usicabangele ukubhekisela entengweni yale misebenzi ezimakethe zezimali. Yebo, ngalo mqondo umehluko awubanzi kakhulu maqondana neminye imikhiqizo ejwayelekile yezezimali. Yize yonke into izoncika ku impahla yezezimali ekhethiwe ngomsebenzisi. Izimali zabo ziphakathi nendawo phakathi kokuthenga noma ukuthengisa amasheya emakethe yamasheya nezimali ezihlangene. Yize izimpahla eziyinkimbinkimbi zihlinzeka ngamanani abiza kakhulu njengomphumela wokukhomba izimakethe zomhlaba wonke lapho imisebenzi kumele ikhokhwe ngemali engeyona eye-euro.
Kunoma ikuphi, awukwazi ukukhohlwa ukuthi ukhiye wokungena kulo mkhiqizo wezezimali ulele ekutheni kubalulekile ukwazi kuwo uyifaka kuphi imali. Okuthile abadayisi abangakujwayele futhi okudala ukuthi imiphumela ingabi yilokho okulindeleke ngempela kunoma yiluphi uhlobo lwecebo lokutshala imali. Ngaphandle kwezinye izindlela zobuchwepheshe futhi mhlawumbe futhi kusuka endaweni yokubuka eyisisekelo. Yinto okufanele ube nayo kusukela manje kuqhubeke uma ungafuni izimanga ezingalindelekile.
Kuwo wonke ama-stock indices
Kodwa-ke, akuyona yonke into etholakala ngezezimali eyinkimbinkimbi ngokulinganayo. Cha akunjalo futhi kulo mqondo unezinhlobonhlobo eziningi zalezi zinhlobo zokutshala imali. Zisukela ezikhundleni ezithathwe kwamanye ama-chip blue ama-equities kazwelonke, njenge-Endesa, i-BBVA, i-Repsol noma i-Banco Santander kuya kuzinketho ezizayo zenkomba yokuma, Ibex 35. Ngaphandle kokungayinaki imakethe yezibopho yeminyaka eyishumi njengecebo elilondolozayo lokwenza ukonga kube nenzuzo ngendlela elinganayo.
Okunye ukutshalwa kwezimali okungaziwa kakhulu kukhona, njengokukhethwa kukho ku-Ibex 35. Kunoma ikuphi, lawa amafomethi ayinkimbinkimbi kakhulu adinga ukuqonda okukhulu kwalo mkhiqizo wezezimali. Phakathi kwezinye izizathu ngoba akuyona imodeli ehambisanayo, uma kungenjalo, kunalokho, linezinhlelo zokusebenza ezihlukile futhi ezinemvelo ehlukile, njengoba kungenzeka ubonile kule ndatshana. Ngakho-ke, kufanele ucacise ukuthi ngubani ozokhuluma naye kusuka manje kuqhubeke.
Khetha ifa elifanele
Ngakolunye uhlangothi, esinye sezikhiye zokwenza inzuzo ukukhetha impahla yezezimali lapho ufuna ukutshala khona imali oyongele kahle kakhulu. Ikakhulukazi uma uke wasebenza nayo phambilini njengoba lesi senzo sizosiza umsebenzi ngendlela ephawuleka kakhulu. Ngaphandle kokuzama ngalo mqondo ngoba ukuphela kwento ongayithola ukumangala okungajwayelekile kukubi kakhulu kunokujwayelekile. Lo mkhiqizo akudizayinelwe ukuzama naye, kepha ngokuphambene nokuba nezinto ezicacile kusukela ekuqaleni. Kuyinjongo okufanele uyicabangele lapho wenza noma yiliphi isu lokutshala imali.
Uma uhambisana nalezi zidingo ezilula, uzoba nomhlaba omningi ozuziwe futhi oseduze lapho ungathola khona inzuzo ethile yemali ekusebenzeni okwenziwa ngemikhiqizo yezimali. Ngoba ukuphela kosuku ukuthi imayelana nani, noma ngabe kungumkhiqizo owenziwe ngobunono njengalona. Akumangalisi ukuthi ngandlela thile akuhlangene nakancane nokuthengwa nokuthengiswa kwamasheya ezimakethe zamasheya. Iveza umehluko othile obonakalayo kakhulu nokuthi kufanele ulindele lapho uqasha.