Ukwenza ipotifoliyo yotyalo-mali ekhuselekileyo nenolungelelwano kulo nyaka umiyo, kuya kufuneka ukhethe ngakumbi kunangoku. Iimarike zezemali zininzi ezingazinzanga ngakumbi kunokuba kunganqweneleka kwaye ngenxa yesi sizathu kufuneka ulumke ngakumbi kwimithambo yangaphambili. Sijongene nonyaka apho kuvela amathandabuzo malunga nokuba sijamelene nokulungiswa okanye into enkulu ngakumbi kwiimarike. Ukuya kwinqanaba lokujonga apho akhoyo amathuba otyalo-mali.
Kukho iindlela ezizezinye ezinokuphucula isimilo esingcono kwiimarike zezemali kwaye ngenxa yoko zenze umdla onomdla ngakumbi ukusukela ngoku. Ezi zindululo azizukuvela kuphela kwiimarike ze-equity, kodwa nakwingeniso esisigxina kunye nakwiimodeli ezizezinye. Ngenjongo yokugqibela kwaye ayikho enye ngaphandle phucula iiakhawunti zakho xa kuphela unyaka ngoDisemba. Hayi ngaphandle kweengxaki ezininzi eziza kuvela apha endleleni.
Kwelinye icala, kuye kwakho uhlengahlengiso olugqithisileyo kumaxabiso, emva kweziphumo zemfazwe yorhwebo phakathi I-United States ne China, kwaye le nto inokuba lithuba lokwenyani. Ngokukodwa, ngokubonelela ngamaxabiso okhuphiswano ngakumbi kunokuba kude kube kwiinyanga ezimbalwa ezidlulileyo. Yimeko onokuyisebenzisa ukusukela ngoku, nangona kunjalo ayizukuxolelwa kwimizamo yokufezekisa iinjongo ezinqwenelekayo kwiqhinga lakho lotyalo-mali. Ngaphandle kothotho lokuqwalaselwa kobuchwephesha kwiiasethi zemali.
IiBond eziPhezulu eziPhezulu
Le mveliso yezemali yeyona nto uyithandayo bajongane nalo nyaka unzima kwaye unokuba nethemba elihle kulo msebenzi uqhubekayo. Kungenxa yokuba ibonelela ngamathuba amahle kakhulu kwicandelo elikhula ngamanqanaba amahle kwaye apho amaxabiso asilelayo ephantsi. Ngaphezulu kwamanye amacandelo emali engenayo ethe yatshabalala ethe xhaxhe kumathuba abo okudala imbuyekezo kulondolozo oluncinci kunokwanelisa iimfuno zabatyali mali abancinci nabaphakathi.
Esinye sezizathu zokukhetha enye indlela yotyalo-mali isekwe kwinto ebaluleke njengokungahambelani kwayo kunye nokunyuka kwamaxabiso. Ukujongana nemeko ezayo yokonyuka kwendawo ye-euro, njengoko kubonisiwe luqikelelo lwe KwiBhanki ePhambili yeYurophu (ECB). Ngale ndlela, kuyanqweneleka ukuba sihlalutye kakuhle ukuba ngubani okhupha le mveliso yemali ukuze angene kwezona zikhundla zibalaseleyo kwiibhondi. Kungenxa yokuba zininzi iindlela esinokukhetha ukuzenza ukuba sizuze imali ukusukela ngoku.
I-European stock exchange yeyona ndlela ilungileyo
Ngaphakathi kwizabelo, esona sisombululo sisiso sisekwe ekuthatheni izikhundla kwizabelo kwilizwekazi elidala. Ngesizathu esilula kakhulu ukusichaza kwaye uninzi lwabatyali mali abancinci nabaphakathi baya kuqonda kwaye oko kushwankathelwe kuba yintengiso yezemali enexabiso elinomtsalane okwangoku. Ngapha koko, khange ibe nayo Rally yenkomo kakhulu njengale yaphuhliswa kwimarike yestokhwe yaseMelika. Kodwa ngokuchaseneyo, ibonakalise ukuthandabuza okuthandabuzekayo kule minyaka mibini idlulileyo. Ukuza kuthi ga kwinqanaba lokuvala unyaka-mali ka-2018 ngokuthothisa, ukwehla kufutshane ne-10%.
Kwelinye icala, esinye isizathu sokuya kule marike yezemali ibalulekileyo kukuba isenomhlaba omninzi ekufuneka iwugubungele kwaye kungenakulityalwa ukuba yindawo apho kunokufumaneka amathuba angcono okwangoku. Ngamaxabiso ngamaxabiso ahlengahlengisiweyo kwaye loo nto ibenza ukuba babenomdla kakhulu ukuba babesemthethweni ukuthengwa okukhethiweyo, ingakumbi ejolise kwixesha eliphakathi nelide. Akumangalisi ukuba babenako ukuphinda bavavanye okunokubakho, kunye namathuba okwenene eshishini.
Ngaphakathi kwintengiso yesitokhwe, icandelo lebhanki
Ngaphakathi kwizabelo zaseYurophu, elinye lawona macandelo anomtsalane ngokungathandabuzekiyo licandelo lebhanki. Ngokukodwa kuba yehle kakhulu kunyaka ophelileyo. Akunakulityalwa ukuba eli candelo lemarike yemasheya livela kwezona meko zinzima kwaye kule meko kunzima kakhulu ukuba mandundu ku-2019. Kwelinye icala, kubalulekile ukuvavanya kolu nyulo ukuba izinto zebhanki ezinxulunyaniswe nemicimbi yemali mboleko ngenqanaba lenzala eliguqukayo ziya kuba zezinye zezona zixhamle kakhulu ekwakhiweni kwamaxabiso abo. Ngaphandle kwezinye izinto zobugcisa.
Kwelinye icala, kwaye ngokwabahlalutyi bezemali, licandelo elibalulekileyo elidityanisiweyo, kokubini ngokwamacandelo esizwe nakwimeko-bume yaseYurophu. Kwinqanaba ababonisa ngalo ukalisho oluncomekayo kakhulu, kakhulu njengokwamkela ukuphuhlisa ukuthengwa kwiinyanga ezizayo. Ngamanye amaxesha, ngokuxabisa okungaphantsi kwexabiso labo lokwenyani. Isibonelelo esibalulekileyo esinokufunyanwa kwimisebenzi eyenziweyo ukusukela ngoku.
Iinkampani ezinemakhishithi eseleyo
Esinye sezicwangciso ezinokuthi sithathwe kule khosi intsha yentengiso yesitokhwe kukujolisa kula maxabiso emarike yemasheya anikezela ngeshiti efanelekileyo. Hayi lilize, baya kuba ngabo ibekwe kakuhle Kukukhulisa uptrend onamandla. Okanye ubuncinci njengenkqubo yoqobo yokukhusela imali yethu etyalwe kwiimarike zezabelo. Olunye lolona khetho lubalaseleyo onokulwenza kulo nyaka, kwaye kongezwa kulo ukuba babonisa amaxabiso ahlengahlengisiweyo. Ngale nto banokuba nayo nenguqulelo efanelekileyo kwimarike yemasheya kwaye nangayiphi na imeko ingcono kunaleyo bayenzileyo kunyaka ophelileyo.
Olu didi lwezokhuseleko, kwelinye icala, liza kuba yinto yomdla wenxalenye enkulu yemali yotyalo-mali ukwenza iipotfoliyo zabo zotyalo-mali. Kwaye le nyani yokudibanisa iya kudlala ukulungiselela umdla wabatyali mali abancinci nabaphakathi esele bekho kwezi zinto zezezimali. Ukuba kunokwenzeka ukuba bafumane i- Inzuzo yonyaka ejikeleze amanani aphindwe kabini. Inokuba sesinye sezimanga ezikhulu ukuba lo nyaka uvele nje. Ngayiphi na imeko, yenye indlela engafanelekanga ukuba iphoswe xa kulungiswa ipotifoliyo yakho elandelayo yotyalo-mali.
Ulwahlulo lweeasethi zemali
Esinye isitshixo sokujongana nomsebenzi omtsha wentengiso yesitokhwe kunye nempumelelo ebonakalayo isekwe kutyalo-mali olwahlulayo. Oko kukuthi, dibanisa ingeniso esisigxina kunye nengeniso eyahlukileyo njengefomula khusela imali yakho ebusweni bayo nayiphi na imeko yokungazinzi kwiimarike zezemali. Ngayiphi na imeko, sisicwangciso esijolise kubatyali mali abanesimo sokulondoloza okanye sokuzikhusela ababeka phambili ukhuseleko lokonga kwabo ngaphezulu kwezinye izinto zentengiso. Ukongeza, yinto elula kakhulu ukuyenza ukusukela ngoku.
Iyabonakala ngaphezu kwayo yonke imali ngokusebenzisa imali yotyalo-mali eyaziwa ngokuba ixutywe okanye iphakathi. Apho iiasethi ezahlukeneyo zemali zidityanisiwe ukufezekisa eyona nzuzo iphambili yokonga, nangona ngaphandle kwembuyekezo ephezulu kakhulu. Kwelinye icala, le mveliso yotyalo-mali iphuhliswa kwiindawo ezininzi zejografi, ngaphandle kwemida ngokubhekisele kwiasethi yezemali eya kuthi ivule izikhundla kuyo. Ngale ndlela, utyalomali luyahluka-hlukeneyo kwaye ke lunokuhlengahlengiswa kuzo zonke iimeko ezivela kwiimarike zezemali, zombini ingeniso esisigxina kunye neyahlukileyo. Ngaphandle kwayo nayiphi na imeko ngaphandle kwalo naluphi na uhlobo.
Amaxabiso ajikelezayo
Sesinye sezona ndlela zikhuselekileyo nezisebenzayo ukuba iimarike zezabelo aziziphathi kakuhle kulo nyaka. Kuba, ungaxhomekeki kwimijikelo yezoqoqosho kwaye kunokwenzeka ukuba benze ngcono xa iimeko zentengiso yemali zimbi kakhulu. Ke ngoko, abayilandeli imeko echaziweyo, kodwa kunoko bakhokelwa ziziphumo zabo zeshishini. Amele amacandelo afanelekileyo emarike yemasheya njengokutya, iinkampani zombane okanye oohola bendlela, phakathi kwezinye zazo.
Okokugqibela, kufanele ukuba kuqatshelwe ukuba olu hlobo lwamaxabiso lunokuqhuba kakuhle kakhulu kulo nyaka, nangona ngaphandle kokulindela iintshukumo ezinobundlobongela kwicala elinye okanye kwelinye. Kungenxa yokuba ukuguquguquka ayisiyiyo enye yezona zinto zixhaphake ngokuchanekileyo. Ngaphandle kolunye uthotho lokuqwalaselwa kwezobuchwephesha nakwindawo yokujonga izinto ezisisiseko. Ngayiphi na imeko, ziinqobo ezixabisekileyo eziya kuthi zigcinwe ziphaphile kwi-radar ukuze zithathe izikhundla kwinqanaba elithile lonyaka omtsha wezorhwebo. Ngokukodwa, ezo zisalele kulungelelwaniso lwamaxabiso azo.
Sisicwangciso ekufanele ukuba sibe yinxalenye yokuphononongwa okulandelayo okwenzayo kwipotifoliyo yakho yotyalo-mali ukulungiselela ukugcina izikhundla zakho kwiimarike zezabelo. Nangona bengabagqatswa ukuba bazuze imbuyekezo enomdla kakhulu ukukhusela iimfuno zakho zobuqu ukusuka apha kude kube sekupheleni konyaka. Ukongeza, uninzi lwezi zindululo lusasaza izabelo phakathi kwabanini zabelo, ngenzala esisigxina neqinisekisiweyo ukuya kuthi ga kwiipesenti ezi-6.