Ungazivikela kanjani ekwenyukeni kwamandla emali nasekukhuphukeni kwamazinga enzalo

imibono yokuvikela ukulwa nokwehla kwamandla emali

Akukusha, futhi sesike saphawula engosini, ukuthi ukwehla kwamandla emali kuthwalisa kanzima umnotho kanye namaphakethe abathengi. Sikubona kumabonakude, sikuzwa emsakazweni, sikuthola ezitolo ezinkulu, eziteshini zikaphethiloli, nasezingxoxweni nomakhelwane. Ukwengeza, futhi ngenhloso yokubhekana nemiphumela yokwehla kwamandla emali, amabhange amakhulu cishe kuwo wonke umhlaba aqala futhi akhuphule amanani enzalo. Ngokucabanga ukuthi okwenzekayo akunakugwenywa, umbuzo wethu kufanele ube, "indlela yokuvikela ukwehla kwamandla emali?"

Ake sinikezele lesi sihloko esihlokweni samanje esishisayo sokunyuka kwentengo, futhi ubone Yini esingayenza ngakho ukusivikela. Imiphi imibono esingayithola, futhi sithole nokuthi yiziphi izinketho esinazo uma, ngokuphambene nalokho, sikholelwa ukuthi lokhu kuzoba okwesikhashana.

Imali Engenayo Egxilile, imali encane engashintshi

Ukusebenza kabi kwemali engenayo engashintshi njengoba amanani enzalo enyuka

Izimali ezitshala emalini engenayo engashintshi neshintshayo zibonisa ukulahlekelwa kulezi zinyanga. Kuye ngesitayela sakho sokutshala imali, kukhona okuhlukile obekukuhle, kodwa bekungejwayelekile. Ikakhulukazi ingxenye embi kakhulu ithathwe Izikhwama ezimiselwe Iholo Eligxilile, kucatshangelwe ukutshalwa kwezimali kwama-conservatives.

Qaphela ukuthi uma ngithi bathathe ingxenye embi kakhulu, angibhekiseli kakhulu emaphesentini okulahlekelwa, kodwa ekulahlekelweni maqondana nenzuzo encane abangayinikeza.

Kuleli qophelo, kufanelekile ukuzindla nokucabanga yisiphi isikhundla esingasithatha ngokusekelwe endleleni esicabanga ukuthi izilinganiso zenzalo namabhondi azokwenza esikhathini esizayo. Kunezinto ezi-3 ezingenzeka:

  1. Ukuthi inzalo yamabhondi ihlale izinzile. Njengamanje bambalwa kakhulu abahlaziyi abacabangela lesi simo. Ngokucabangela okwengeziwe, isibonelo, ukuthi amabhange afana ne-ECB asememezele kakade ukuthi azonciphisa ijubane lokuthenga izikweletu.
  2. Ukuthi inzalo yamabhondi kanye ne-Euribor yehle. Isimo esisengenzeka kancane. Phakathi kokunye ngenxa yokuthi njengoba ukwehla kwamandla emali kukhuphuka ngokukhululeka, okungacatshangwa kakhulu ukukhuthaza ukusetshenziswa kwemali.
  3. Vumela ukunyuka kwezinga kuqhubeke. Isimo samanje esisibonayo nesingase siqhubeke senzeka, naso esicatshangwa abahlaziyi abaningi.

Ungenza kanjani ngokumelene nokusebenza Kwemali Engenayo Engaguquki ngokuvumelana nezibikezelo zakho?

Uma ungomunye walabo abakholelwa ukuthi okubi kuphelile, ngaphandle kokungabaza inketho engcono kakhulu kungaba ukuthenga amabhondi. Ngokuqondile, kanye/noma ngesikhwama Semali Engenayo Esigxilile esinikezelwe kubaphathi abashiwo. Akuyona into engiyincomayo ngokwami, empeleni ngibona amanani aphansi kakhulu ngenxa yezinga eliphezulu le-inflation elikhona.

Ngakolunye uhlangothi, uma ucabanga ukuthi Imali Engenayo Engaguquki izoqhubeka nokusebenza kabi, kungakuhle ukuthi uqale ngokungatshali imali noma unciphise izikhundla. Kukhona futhi ithuba lokuthenga ama-PUT okubhekiselwa kuwo ku-ETF anokuchayeka kumabhondi. Futhi kunjalo, kuhlale kunenketho yokuthenga amabhondi axhumene nokwehla kwamandla emali.

Iholo Eliguquguqukayo, indlela yokuzivikela ekwenyukeni kwamandla emali ngamasheya

Izenzo ezingasetshenziswa ukulwa nokwehla kwamandla emali

Njengoba izindleko zezinto zokusetshenziswa zikhuphuka, izinkampani eziningi kufanele zikhuphule amanani entengo yemikhiqizo noma amasevisi azo. Lokhu kubangela ukuthi imali engenayo etholakalayo yabathengi ihlupheke, ngenxa yokulahlekelwa amandla okuthenga. Izinkampani ezenza kahle kakhulu zivame ukuba yilezo zemikhiqizo eyisisekelo ngezikhathi zokungaqiniseki kanye nokwehla kwamandla emali. Isibonelo, i-Coca-Cola. Lezo ezisebenza kabi kakhulu, ezingama-cyclical, isibonelo ezezimoto.

Ukwehla kwamandla emali kuveza ukucasuka ekusetshenzisweni, ngaleyo ndlela kunciphise ukwehla okuvamile emakethe yamasheya, ngaphezu kokungaqiniseki ngenxa yenkinga yaseRussia.

Izimakethe zingase ziqhubeke nokuwa. Into enzima ngezikhathi ze-bearish ukulindela ukuthi zizophela nini izimpophoma. Ngakho-ke, ukukhetha izibambiso ezibhekwa njengezinenani elihle, noma ezizokwenza kahle, kungaba indlela enhle yokwehlula ukwehla kwamandla emali ngembuyiselo engaba khona abangayinikeza. Kufanele kuqashelwe ukuthi akuyona ingozi, futhi ukukhethwa kwezibambiso umtshali-zimali ngamunye angakwenza kuzonquma kakhulu ukusebenza kwephothifoliyo ngayinye.

Ukutshalwa kwezimali kwezindlu ezithengiswayo, ukubheja okudala kakhulu

Kungaba inkemba esika nhlangothi zombili. Nakuba ezikhathini zokwehla kwamandla emali izindlu zivame ukusebenza kahle, inkinga yezindlu nezindlu isikhombise ukuthi amanani angehla kakhulu. Uma amandla e-euro ehlala eqinile, amaholo abonisa ukuhluka okuncane kunalokho obekulindelwe futhi ukunyuka kwamanani kuqhubeka, ukwenyuka kwezinga lenzalo kungase kwehlise amanani entengo. Ukuntuleka kwabathengi abangaphefumulelwe kungakhuphula isitokwe sezindlu ezitholakalayo.

Kwamanye amazwe afana neJalimane, ama-alamu asevele akhale ngenxa yokwanda okukhulu kwezindlu ezikhona. Kumelwe siqaphe le datha, uma iyibhamuza, enomnotho obuthakathaka, ingase ithinte amanye amazwe lapho ukunyuka kube okulinganiselwe, njengeSpain.

Ukuphila njengothango lokulwa nokwehla kwamandla emali

Kodwa-ke, akuyona yonke into eyizindlu, futhi kunezinye izakhiwo ezinjengomhlaba, izindawo noma izindawo zokupaka izimoto lapho ungaphephela khona. Uma kwenzeka beqashiwe, kwaba khona ukwehla kwenani lemali ekugcineni, ukutshalwa kwezimali kwezakhiwo kungaba inketho enhle. Futhi njengenjwayelo, uma ungenayo imali etholakalayo, kunezimali, ama-REIT nama-ETF ezimakethe anokuchayeka kule makethe ukuze azuze ekuthengeni okushibhile, noma ukuhlaziya okungase kube khona esikhathini esizayo.

Izimpahla, ukuphepha kokuthi ungazivikela kanjani ekwenyukeni kwamandla emali

Uma intengo ekhuphuka kakhulu ingeyezinto zokusetshenziswa, kungani ungazivikele ekwenyukeni kwamandla emali ngazo? Singatshala ngamasheya ezinkampani ezikhiqiza izinto zokusetshenziswa, ama-ETF aphindaphinda ukuziphatha kwalezo ezingase zihehe, noma siye ngqo emakethe yokuphuma kokunye. Enye yezimpahla eziyintandokazi kubatshalizimali abaningi noma abantu abafuna ukulondoloza imali enkulu igolide. Ngaphandle kokulwa nokwehla kwamandla emali ngokuhamba kwesikhathi, kukhona ubudlelwano obuqondile phakathi kwezinkathi zokungaqiniseki kanye negolide.

incazelo mayelana nokutshala imali enanini lesiliva legolide
I-athikili ehlobene:
Ukulinganiswa Kwegolide Esiliva

Okubalulekile kulezi zimo ukuthi ngamunye kufanele athathe izingozi azimisele ukuzithatha. Futhi-ke, awudingi ukubeka wonke amaqanda akho kubhasikidi owodwa, bekuhlale kuthakazelisa ukuhlukanisa.

“Imali ifana nobulongwe. Ayilungile ngaphandle kokuthi isabalale." Francis Bacon


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.

      Oscar De Jesus Londoño Bustamante kusho

    KWENZEKANI NGEDOLA, INGABE YINDAWO YOKUKHOSELA ELIHLE?

         UClaudi Casal kusho

      Nganoma yisiphi isikhathi, emakethe, kunezinto ezikhuphukayo, eziphansi noma ezihlala eceleni. Esimweni sokwehla kwamandla emali, kuvamile ukuthi uhlobo lwemali lulahlekelwe inani, yingakho amanani enyuka. Idola liyimali ye-Oscar, ingaba isiphephelo, kodwa umlando okwamanje usitshela ukuthi hhayi kakhulu, kungcono ukuhlukanisa kancane. Siyabonga ngokuphawula kwakho!