Eminye yemiphumela okumele sibe nayo engozini eyenzekile ezimakethe zamasheya emhlabeni jikelele ukuthi kusukela manje kuzofanele sikhethe kakhudlwana ekuthengeni amasheya ezimakethe zezimali. Uma kungenjalo, ngokuphambene nalokho, ngeke kube nokukhetha ngaphandle kokukhetha kakhulu kunamanje ukuzama ukuqasha amanani esitoko ahamba phambili ngaso sonke isikhathi futhi anikeze izisekelo ezisobala ngokusobala. Ngakho-ke ngale ndlela, kungenzeka kakhulu ukwenza imali esiyinikelayo kule misebenzi emhlabeni yemali ibe nenzuzo. Ngokuqondene neqiniso lokuthola ukuphepha okukhulu ezikhundleni ezivulekile.
Ngaphezu kwalokho, ukusebenzisa izindlela zokupheka ukuvula izikhundla ezimakethe zamasheya, akungabazeki ukuthi ekugcineni kuzosisiza ukuthi senze imisebenzi yethu isebenze ngendlela elinganiselayo futhi esebenza kahle kakhulu kunamanje. Kusuka lapho singaba nemali ezimeni ezingcono zokuba nesikhwama sokonga esingacishe sizinze esikhathini esimaphakathi nesikhathi ikakhulukazi. Ukwazi ngaso sonke isikhathi ukuthi okuwukuphela kwesixazululo sokuzuza imbuyiselo yokonga ukubeka engcupheni okuthe xaxa futhi lokhu kungafinyelelwa kuphela ngokuthengwa nokuthengiswa kwamasheya emakethe yamasheya. Ngaphezu kwamanye amasu wokutshala imali ngokulingene angahle asuselwe kwimikhiqizo yasebhange noma yemali engenayo engaguquki.
Ngakolunye uhlangothi, lapho kuvulwa izikhundla ezimakethe zamasheya, kuzodingeka ukuthi kube nokuqondiswa kwezigwegwe kusuka manje kuqhubeke ukwenza elinye isu lokutshala imali eliholela enjongweni esiyifunayo sonke. Lokhu kucabanga ushintsho olukhulu maqondana nemikhuba ebeseyijwayele emashumini eminyaka adlule. Konke ngeke kufane kuze kube yinyanga kaMashi futhi lokhu kuyisici okuzodingeka ukuthi sicatshangelwe kusuka ezindleleni zanoma yimuphi umtshalizimali omncane naphakathi. Ngale ndlela yokutshala imali, sizokwethula uchungechunge lwezincomo zokuvula izikhundla ezimakethe zamasheya ngeziqinisekiso ezithile zempumelelo.
Vula izikhundla: ngamanani we-bullish
Umthetho ongasoze wehluleka kulezi zikhathi ukukhetha amasheya akhombisa ukuthambekela okucacile kwe-bullish ekuhlaziyweni kwawo kobuchwepheshe. Okungenani esikhathini esifushane ngakho-ke vumela imisebenzi enenzuzo ukuthi yenziwe ngesikhathi esifushane kakhulu. Ngisho nasezimeni ezingezinhle ezimakethe zezimali kuhlale kunezinkampani ezimbalwa ezisezingeni eliphakeme ekuguqukeni kwamanani azo futhi ezibavumela ukuthi babe nokuziphendukela okuhle ezinhlelweni ezilandelayo zokuhweba. Ngaphandle kweqiniso lokuthi kungakhiqizwa ukusikeka okuthile okungasetshenziswa ukufaka izikhundla zabo ngamandla amakhulu okubuyekeza.
Ngenkathi ngakolunye uhlangothi, singekhohlwe ukuthi leli qhinga lingaheha kakhulu ukwenza iphothifoliyo yokutshala imali ebhekiswe esikhathini esifushane kakhulu futhi njalo ngendlela ehlukile ekugcineni kwayo. Kanye neqiniso lokuthi lolu hlelo lokhetho luzonciphisa okungenani ukulahleka kotshalo-mali olwenzeka ezikhathini ezeqile ezimakethe zezimali, kokubili kuzwelonke nangaphandle kwemingcele yethu. Ukuze ngale ndlela ukwazi ukuvikela utshalomali lwakho ngeziqinisekiso ezinkulu zempumelelo. Ngalo mqondo, kunochungechunge lwamanani esitoko ahlangabezana nalezi zici ngakho-ke asinikeza ithuba lokwenza ukonga kube nenzuzo kunoma yiluphi uhlobo lwesimo.
Izinkampani ezinezisekelo ezinhle
Lokhu kungenye yezinhlelo okufanele sizisebenzise ukungena ezimakethe zokulingana futhi okusinika ukuzethemba okukhulu ekungeneni kwethu ezimakethe zezezimali, noma ngabe umkhakha wemakethe yamasheya okhethwe ngabatshalizimali abancane nabaphakathi. Ngalo mqondo, kunconywa kakhulu ukuthi ekugcineni ungakhetha izinkampani ezinikeza izisekelo ezinhle kakhulu futhi ezihambisana nezinga eliphansi kakhulu lesikweletu. Kuyindlela engcono kakhulu yokuthi lesi sigaba sezinkampani ezisohlwini simelane nezimo ezingezinhle kwezomnotho futhi, ezimakethe zezimali ezingcono kunezinye. Ngamandla okuphendula amahle kakhulu wokumaka izintengo ezethulwa njengokuphakanyiswa kwezintshisekelo zabatshalizimali abancane nabaphakathi.
Ngenkathi ngakolunye uhlangothi, akungabazeki ukuthi ekugcineni izinkampani ezethula izisekelo ezinhle nalabo abenza kangcono ezimakethe zezimali. Yize kungahle kungabi sesikhathini esifushane, kuzoba yisimo esinokwenzeka kakhulu esikhathini esimaphakathi nesikhathi ikakhulukazi. Okusho ukuthi, ngemuva kwakho konke, isikhathi sokusimama kwabatshalizimali abancane nabaphakathi ukusika okuzivikela kakhulu noma okulondolozayo. Ukuze amathuba wangempela wokubuyekezwa kwawo aphakeme ukusuka kumzuzu oqondile lapho bathenga khona. Ukuthi, ngamafuphi, izinkampani ziyizilinganiso eziqinile kuma-akhawunti abo ebhizinisi ngaphezu kolunye uchungechunge lokucatshangelwa kwezobuchwepheshe.
Basebenzise amazinga oversold
Akungabazeki ukuthi leli isu lokutshala imali elinobungozi obuningi ekusebenzeni, kepha lisebenza ngokufanayo ngoba lokhu kuyisibonakaliso sokuthi kulindeleke ukuthi ikhuphuke esikhathini esizayo ngentengo yayo kusuka kulesi simo ekuhlaziyweni kwayo kobuchwepheshe. Ngakho-ke kunconywa kakhulu ukuthi ulandele le mihlahlandlela ukuqala ukuhweba ezimakethe zamasheya kusukela manje kuqhubeke. Ikakhulukazi njengoba imiphumela ingagculisa kakhulu kubasebenzisi kulolu hlobo lokuhamba kwezezimali. Lapho banokuningi okumele bakukhokhe kunokulahlekelwa ngoba kunesimo sokuthengisa esidudulwe saba semikhawulweni wokuqashwa kwamatayitela. Kanye nejubane layo elikhulu lokukhiqiza ukwanda okusheshayo ezimakethe zamasheya futhi lokho kungukuthi, enye yezinhloso ezisheshayo zabasebenzisi ekuthengweni nasekuthengisweni kwamasheya emakethe yamasheya.
Ngakolunye uhlangothi, asikwazi ukubukela phansi ukuthi nganoma isiphi isikhathi ukusebenzisa amathuba okubekwa ngokweqile kungaba yindlela emfushane yokufinyelela ezingeni lemali etholakalayo kuphothifoliyo yethu yokutshala imali. Ukusuka lapho singamisa khona impumelelo yokusebenza ngoba kuyinkimbinkimbi engakhula kusuka kulawa mazinga awela ngokujula kokulungiswa kwamanani abo. Uma kungenjalo, kunalokho, kuyizinga lapho ushintsho lomkhuba lungenzeka khona, ukusuka ku-bearish kuya ku-bullish noma okungenani kwe-lateral. Njalo maqondana nesikhathi esifushane ngakho-ke akuyona isu elifanele kakhulu lokutshala imali lokunyakaza emakethe yamasheya isikhathi eside sokuhlala unomphela ngoba kungenzeka ukuthi isimo sangemuva siqhubeke nokuba phansi.
Kwesinye isimo, kufanele kugcizelelwe ukuthi ukusebenzisa ngokunenzuzo amazinga we-oversold kuyindlela yokuthi abatshalizimali abagcina izinga eliphakeme lokufunda uma kukhulunywa ngokuthenga nokuthengisa amasheya bavame ukusetshenziswa. Esinye sezifundo esizitholayo kulesi sikhathi esiyingqayizivele emnothweni wamazwe omhlaba ukuthi ukutshalwa kwezimali kuzofanele kuguqulwe kuphrofayili eyethulwe ngumtshalizimali ngamunye omncane naphakathi. Futhi kuleli cala elithile, ubheka futhi uhlaziye izinga lokuthengisa inkampani ebhalwe ezimakethe zezimali elinazo. Ukuthi kungakhombisa izinga lokungena lenkampani efakwe kuhlu noma okungenani kusondele kakhulu. Ukuze ngale ndlela ukusebenza kuthuthukiswe ngeziqinisekiso ezinkulu zempumelelo.
Thenga eduze nama-resistors
Ukwehla kwakamuva ezinkampanini zaseSpain ezibalwe emakethe yamasheya aseSpain kuholele iningi lazo ukuba lisondele kakhulu emazingeni azo okulwa, ngakho-ke into ehlakaniphe kakhulu ukuyenza ukulinda ukubona ukuthi ngabe impela bayabaphula ukuze bathathe izikhundla kwezinye zalezi zivikeleko ngesikhathi sokuthuthukiswa kwekota yokugcina yalo nyaka futhi, ngale ndlela, ukuze sikwazi ukuvala lo nyaka ngezinzuzo kwiphothifoliyo yethu yezokuphepha. Ngaphandle kwalokho, kungadingeka ukulindela ukwehliswa kwentengo yayo okungabuyisela amanani ayo emuva emazingeni okusekela, futhi uma engawaphuli, angaba yizimpawu zokuthenga amasheya alawo manani ezinyangeni ezimbalwa ezizayo.
Kunoma ikuphi, ungaya emihlanganweni yezimakethe zamasheya lapho ukungazinzi kuyinothi elibaluleke kakhulu emananini abo, ngokuhlukahluka okuningi ekuguqukeni kwamanani abo, njengoba kwenzekile ngezikhathi zokugcina zezimakethe zezimali, okungaholela ekubeni uzwela kakhulu ekuhwebeni kosuku olufanayo (intraday) ukuze uthole ama-euro ambalwa. Yize kulesi simo esithile, leli qhinga libhekiswe kuphela kubatshalizimali abanolwazi oluningi abangathola inzuzo enkulu yemali emahoreni ambalwa nje.
Amanye amaphethini wokuziphatha
Ukuyigcina ilula ngangokunokwenzeka, futhi ngenhloso yalo mhlahlandlela, imakethe yamasheya imane nje iyindawo lapho abathengi nabathengisi bahlangana khona ukuthengisa amasheya, ngayinye ingxenye encane yenkampani edayiswa esidlangalaleni.
Kungani amasheya ekhona ekuqaleni? Ukukhula futhi ngethemba lokukhulisa inzuzo ukuguqula ibhizinisi libe yimpumelelo yezezimali, izinkampani zinikeza abatshalizimali amandla okubaxhasa ngemali yabo.
Ukungena emakethe yamasheya: Ukushintshanisa ngemali yakho, inkampani ikunikeza ukubandakanyeka ekusaseni layo, ukuze ube nengxenye encane yaleyo nkampani futhi ube "ngumnikazi wamasheya."
Futhi uma ufuna, le ngxenye yenkampani okungeyakho ingashintshaniswa nanoma ngubani ofuna ukuyithenga.
Ngokuvamile lo ngumbuzo iningi labatshalizimali abafuna impendulo kuwo, kanye nesona sizathu sesinqumo sabantu abaningi sokubeka imali yabo ezimakethe zamasheya. Masikhulume ngokungagwegwesi: asikwazi ukukutshela ukuthi uzotholani (futhi ungakholelwa kunoma ngubani othi uyazi - unamanga). Kepha singakunika umbono wokuthi yini engafinyelelwa.
Ngamanani wokonga ahamba emazingeni aphansi ngokomlando - ngokwesibonelo, i-1,3% ku-akhawunti ejwayelekile yokulondolozwa kokuncintisana - isisusa sokubheka kwenye indawo ukuthola inzuzo eqinile siqinile.
Vele, wonke umuntu angathanda ukuthola u-5% wemali yakhe, kepha kuphela uma uthatha izinga lobungozi elilungele wena. Sake sakusho phambilini, kepha akukho lutho olungalungile ngokukuphinda lokhu size sithole imibono ecacile maqondana notshalo-mali lwakho futhi yilokho okuyikho kulezi zimo.
- Khumbula njalo imithetho emihlanu yegolide yokutshala imali:
- Ukuphakama kwembuyiselo oyifunayo, kuzodingeka ukuthi wamukele ubungozi obukhulu.
- Ungafaki wonke amaqanda akho kubhasikidi owodwa. Zama ukwehlukahluka ngangokunokwenzeka ukuze unciphise ukuvezwa kwakho engcupheni, okungukuthi, tshala imali ezinkampanini ezahlukahlukene, izimboni kanye nezifunda.
Amathiphu okutshala imali
Uma wonga esikhathini esifushane, kuwukuhlakanipha ukungazibeki engcupheni kakhulu. Kunconywa ukuthi utshale imali okungenani iminyaka emihlanu. Uma ungakwazi, kuvame ukuba ngcono ukugwema ukutshala imali bese ushiya imali yakho kwi-akhawunti yokonga.
Hlola iphothifoliyo yakho. Isenzo kungaba ukwehluleka noma ungahle ungazimisele ukuthatha izingozi eziningi njengakuqala. Uma ungahloli iphothifoliyo yakho njalo, ungagcina une-akhawunti elahlekelwa yimali yesitoko.
Ungabi novalo. Utshalomali lungehla futhi lukhuphuke. Ungalingeki ukuthi uthenge noma uthengise amasheya ngoba wonke umuntu ethanda.
Akukhathalekile ukuthi usuzothenga isitoko sakho sokuqala noma ukhethe isikhwama samasheya okokuqala ngqa, zibuze njalo ukuthi kungani ufuna ukutshala imali.
Ngokuhamba kwesikhathi, amasheya namasheya ngokomlando ayedlula imali kuma-akhawunti okonga.
Kepha lokho akuqinisekisi ukuthi bazokwenza njalo ngokuzayo. Konke kuya ngezimo zakho. Isibonelo, ungaba ngomunye wabaningi abaphelelwe yithemba ngamanani e-lousy kuma-akhawunti okonga futhi bazimisele ukuthatha amathuba okuphishekela ukubuyiselwa okuphezulu.
Noma kungenzeka uqhamuke nohlelo olucatshangelwe kahle lokonga u- $ 10.000 kule minyaka eyishumi ezayo ukusiza ukukhokhela izingane zakho imali yesikole. Kuzo zombili lezi zimo, kukhanya okuluhlaza okucacile ukuhamba nokutshala imali.
Qaphela uma kunikezwa izeluleko
Uma umngane ephakamise ithiphu ongabelana ngayo kule ndawo yokuphuzela utshwala, noma ilunga lomndeni noma umngani uphakamise ukuthi "ubeke amakhilogremu ambalwa" esitokisini noma esikhwameni njengamanje - emkhakheni wezinhloso - "cisha amalambu" Cishe kungcono kakhulu ukucabanga kabili ngaphandle uma unemali ongayonga ongakwazi ukuyilahla.
Bheka kahle, ngokuthembeka izimali zakho. Uma unenkinga yokugcina izinkokhelo zekhadi lakho lesikweletu, ake uthi, noma uthathe imali ebizayo futhi unokonga okuncane, sekuyisikhathi sokubuyela emuva bese ucabanga futhi.
Lokhu kungazwakala njengokulawulwa kwendlu okuyisisekelo, kepha ukuheha kokuwina okusheshayo emakethe yamasheya kungavimbela abantu abaningi ukuthi bangaboni ukuthi isimo sabo sezimali singaba sibi kangakanani.
Abantu abaningi kakhulu bacabanga ukuthi kudinga imali eningi ukukwazi ukutshala imali ezimakethe zamasheya, kodwa akunjalo, futhi abatshalizimali abaningi abancane "abondla" ngemali encane njalo bangenza kangcono kakhulu kunalabo abamane bathele isamba esikhulu semali emakethe.
Njengomthetho ojwayelekile, akufanele neze utshale imali engaphezu kwamandla akho. Lokhu kungenxa yokuthi, uma kwenzeka ukuphahlazeka kwemakethe yamasheya, ungahlangabezana nokulahlekelwa yingxenye enkulu yengcebo yakho uma unemali eningi kakhulu oyitshalile. Abeluleki abaningi bezezimali basikisela ukuthi utshale imali okungenani iminyaka emihlanu. Lokhu kukunikeza isikhathi esiningi sokudlula noma yiziphi izigaxa ezimakethe ezingadala ukuthi ulahlekelwe yimali yakho.
Khumbula, njengoba sishilo phambilini, uma unokonga okuncane futhi unezikweletu ezinkulu, ukugembula ezimakethe zamasheya kungaba yingozi empilweni yakho yezezimali. Kodwa-ke, uma uqoqe iqanda lesidleke futhi usuthiswe ngamanani wokonga aphansi, ukubeka isinqamu sawo (ongadingi ukuthembela kuzindleko zakho zokuphila) emakethe yamasheya kungaba yindlela efanelekile yokuzama. thola inzuzo ephakeme. Ukuba ngenye yezinketho abatshalizimali abaningi abancane nabaphakathi abanakho ekufundeni kwabo nokuthi bangakwazi ukukufeza kusukela manje kuqhubeke.