Akuyinto entsha, kwaye sele siphawule kwiblogi, ukuba ukunyuka kwamaxabiso kunciphisa uqoqosho kunye neepokotho zabathengi. Siyibona kumabonwakude, siyiva kunomathotholo, siyifumana kwiivenkile ezinkulu, kwizikhululo zepetroli nakwiincoko nabamelwane. Ukongezelela, kunye nenjongo yokuchasana nemiphumo yokunyuka kwamaxabiso, iibhanki eziphambili malunga nehlabathi lonke ziqala kwaye ziphakamisa izinga lenzala. Ukucinga ukuba le nto yenzekayo ayinakuphepheka, umbuzo wethu kufuneka ube, "indlela yokukhusela ekunyukeni kwamaxabiso?"
Makhe sinikezele eli nqaku kwisihloko esishushu sangoku sokunyuka kwexabiso, kwaye ubone Yintoni esinokuyenza ngayo ukusikhusela. Ziziphi iingcamango esinokuzifumana, kwaye sifumanise ukuba zeziphi iinketho esinazo ukuba, ngokuchaseneyo, sikholelwa ukuba oku kuya kuba okwethutyana.
Umvuzo osisigxina, owona mvuzo umncinci umiselweyo
Iimali ezenza utyalo-mali kwingeniso esisigxina kunye neguqukayo zibonisa ilahleko kwezi nyanga. Ngokuxhomekeke kwisimbo sakho sotyalo-mali, kukho ezinye izinto ezingaqhelekanga eziye zancomeka, kodwa khange ibeyisiqhelo. Ngokuyintloko eyona nxalenye imbi kakhulu ithathwe yiNgxowa-mali emiselwe uMvuzo oFixed, kuqwalaselwa utyalo-mali lwabalondolozi.
Qaphela ukuba xa ndisithi bathathe eyona nxalenye imbi kakhulu, andibhekiseli kakhulu kwipesenti yelahleko, kodwa kwiilahleko ngokunxulumene nenzuzo encinci abanokuyinikela.
Ngeli xesha, kufanelekile ukucinga kunye nokucinga sesiphi isikhundla esinokusithatha ngokusekelwe kwindlela esicinga ngayo ukuba izinga lenzala kunye neebhondi ziya kwenza kwixesha elizayo. Kukho izinto ezi-3 ezinokuthi zenzeke:
- Ukuba umdla weebhondi uhlala uzinzile. Ngoku bambalwa kakhulu abahlalutyi abaqwalasela le meko. Ukuqwalasela ngakumbi, umzekelo, ukuba iibhanki ezifana ne-ECB sele zibhengeze ukuba ziya kunciphisa isantya sokuthenga amatyala.
- Ukuba inzala yeebhondi kunye ne-Euribor yehla. Imeko esenokwenzeka kancinci. Phakathi kwezinye izinto ngenxa yokunyuka kwamaxabiso ngokunyuka kwasimahla, eyona nto icingwa kancinci kukukhuthaza usetyenziso.
- Vumela ukunyuka kwereyithi kuqhubeke. Imeko yangoku esiyibonayo kwaye eyona inokwenzeka ukuba iqhubeke ukwenzeka, nayo icingelwa luninzi lwabahlalutyi.
Ungenza njani ngokuchasene nokusebenza koMvuzo oFixed ngokoqikelelo lwakho?
Ukuba ungomnye wabo bakholelwa ukuba okubi kuphelile, ngaphandle kwamathandabuzo olona khetho lungcono kukuthenga iibhondi. Ngokuthe ngqo, kunye/okanye ngeNgxowa-mali yoMvuzo oFixed enikezelwe kubalawuli abaxeliweyo. Ayisiyonto endiyincomayo mna, enyanisweni ndibona amaxabiso aphantsi kakhulu ngenxa yenqanaba eliphezulu lokunyuka kwamaxabiso elikhoyo.
Ngakolunye uhlangothi, ukuba ucinga ukuba uMvuzo oFixed uya kuqhubeka uqhuba kakubi, kuya kucetyiswa ukuba uqale ngokungatyali-mali okanye ukunciphisa izikhundla. Kukwakho nokuba nokwenzeka kokuthenga ii-PUT ezibhekiselele kwi-ETF enokuvezwa kwiibhondi. Kwaye kunjalo, kusoloko kukho ukhetho lokuthenga iibhondi ezidityaniswe nokunyuka kwamaxabiso.
Ingeniso eguquguqukayo, indlela yokuzikhusela ekunyukeni kwamaxabiso nezabelo
Njengoko ixabiso lezinto ezibonakalayo linyuka, iinkampani ezininzi kufuneka zinyuse ixabiso lemveliso okanye iinkonzo zazo. Oku kubangela ukuba ingeniso elahlayo yabathengi ihlupheke, ngenxa yelahleko yamandla okuthenga. Ezona nkampani ziqhuba kakuhle zikholisa ukuba zezo mveliso zisisiseko ngamaxesha okungaqiniseki nokunyuka kwamaxabiso. Umzekelo, iCoca-Cola. Ezo zinomsebenzi ombi kakhulu, ezi cyclical, umzekelo ezi moto.
Ukunyuka kwamaxabiso kuvelisa ukucaphuka ekusetyenzisweni, ngaloo ndlela kuhlawulela ukuhla ngokubanzi kwimarike yemasheya, ukongeza ekungaqinisekini ngenxa yomba waseRashiya.
Iimarike zinokuqhubeka nokuwa. Into enzima kumaxesha e-bearish kukulindela ukuba baya kuphelisa nini iingxangxasi. Ngoko ke, ukukhetha izibambiso ezithathwa njengexabiso elifanelekileyo, okanye eziza kusebenza kakuhle, kunokuba yindlela efanelekileyo yokubetha ukunyuka kwamaxabiso kunye nembuyekezo enokuthi bayinikeze. Kufuneka kuqatshelwe ukuba akukho mngcipheko, kwaye ukukhethwa kwezibambiso ukuba umtyalo-mali ngamnye angayenza kuya kugqiba kakhulu ukusebenza kwepotfoliyo nganye.
Utyalo-mali lwezindlu ezithengiswayo, olona bhejo lugcinayo
Inokuba likrele elintlangothi-mbini. Nangona ngamaxesha okunyuka kwamaxabiso izindlu zithande ukusebenza kakuhle, Ingxaki yezindlu nezindlu isibonise ukuba amaxabiso angehla kakhulu. Ukuba amandla e-euro ahlala eqinile, imivuzo ibonisa ukuhluka okuncinci kunokuba bekulindelwe kwaye ukunyuka kwamaxabiso kuqhubeka, ukunyuka kwamaxabiso enzala kunokunciphisa amaxabiso epropati. Ukunqongophala kwabathengi abangaphefumlelwanga kuya kwandisa isitokhwe samakhaya akhoyo.
Kwamanye amazwe afana neJamani, ii-alam sele zicimile ngenxa yokunyuka okunamandla kwezindlu. Simele sibeke iliso le datha, ukuba i-bubble, kunye noqoqosho olubuthathaka, inokuchaphazela amanye amazwe apho ukunyuka kuye kwaba yimodareyitha, njengeSpeyin.
Nangona kunjalo, ayizizo zonke izindlu, kwaye zikho ezinye izakhiwo ezinjengomhlaba, indawo okanye iipaki zeemoto apho unokusabela khona. Ukuba zaziqeshiwe, kwaye kwakukho ukuhla kwexabiso lemali ekugqibeleni, utyalo-mali lwezindlu nomhlaba luya kuba lukhetho oluhle. Kwaye njengesiqhelo, ukuba awunayo imali eyinkunzi ekhoyo, kukho iimali, ii-REIT kunye nee-ETF kwiimarike ezinokuvezwa kule marike ukuze uzuze kwizinto ezithengiweyo ezinexabiso eliphantsi, okanye uvandlakanyo olunokwenzeka kwixesha elizayo.
Iimveliso, ukhuseleko kwindlela yokuzikhusela ekunyukeni kwamaxabiso
Ukuba ixabiso elonyuka kakhulu lelo lempahla ekrwada, kutheni ungazikhuseli ekwenyukeni kwamaxabiso ngazo? Sinokutyala imali ngezabelo zeenkampani ezivelisa imathiriyeli ekrwada, ii-ETF eziphindaphinda indlela yokuziphatha kwezo zinokuba nomdla, okanye ziye ngqo kwimarike yezinto eziphuma kuyo. Enye yee-asethi ezithandwayo kubatyali-mali abaninzi okanye abantu abafuna ukugcina inkunzi yigolide. Ngaphandle kokulwa nokunyuka kwamaxabiso kwixesha elide, kukho ubudlelwane obuthe ngqo phakathi kwamaxesha okungaqiniseki kunye negolide.
Eyona nto ibalulekileyo kwezi meko kukuba umntu ngamnye kufuneka athathele umngcipheko azimisele ukuwuthatha. Kwaye kunjalo, akunyanzelekanga ukuba ubeke onke amaqanda akho kwingobozi enye, bekusoloko kunomdla ukwahluka.
“Imali ifana nomgquba. Akulunganga ngaphandle kokuba isasazeke. Francis Bacon
KWENZEKA NTONI NGEDOLA, INGABA YIKHUSELO ELILUNGILEYO?
Ngaliphi na ixesha, kwimarike, kukho izinto ezinyukayo, ezihlayo okanye ezihlala zisecaleni. Kwimeko yokwenyuka kwamaxabiso, kuqhelekile ukuba imali ilahlekelwe lixabiso, kungoko amaxabiso enyuka. Idola yimali ye-Oscar, inokuba yindawo yokusabela, kodwa imbali ngoku isixelela ukuba hayi kakhulu, kungcono ukuhlukanisa kancinci. Enkosi ngezimvo zakho!