I-International Investment Can Can Help Millennials
Nazi izicebiso ezine zokunceda i-Millennials idibanise umngcipheko kwaye inyuse imbuyekezo yabo ngexesha elide.
1. Ukudibanisa ngaphandle kwe-US
I-Goldman Sachs yahlola i-Millennials kwaye yabona ukuba kuphela i-18 ekhulwini yabo abathembekileyo kwimarike yemasheya njengeyona ndlela 'engcono yokuyigcina ikusasa', ngelixa uphando oluthile lwe-CNNMoney lubonise ukuba i-93 ekhulwini leeMillennials yaphazamisa iimarike kwaye yayinalo ulwazi lokutyala imali. Uninzi lweeMillennial liphendule ngokugxila ekuhlawuleleni amatyala okanye ukugcina ubuninzi bezobutyebi babo ngemali, kodwa loo nto ingabonakalisa indleko kwixesha elide njengoko iindleko zeendleko zinyuka.
I-Millennials ingafuna ukuqwalasela ukutshala imali ngaphandle kwe-United States njengendlela yokwenza uxhaphaze iingxaki malunga noqoqosho lwase-United States, ukuxuba umngcipheko kwiiphothifoliyo zabo, kunye nokunyusa ukubuyela kwabo kwixesha elide. Emva kwakho konke, i-akhawunti yase-US i-20 yeepesenti ezingama-20 zomhlaba wonke ("GDP") njengeemveliso zeemveliso eziphakamileyo ezikhulayo ziye zagqithisa amazwe athuthukile.
Iphothifoliyo kuphela yase-US ayinaso ukuvezwa kwezi marike ezikhulayo.
2. Jonga iMakethi yeMingcipheko
Uvavanyo lwe-UBS lwango-2016 lufumene ukuba i-Millennials phakathi kweminyaka engama-21 no-36 iyona isizukulwana esisisigxina kakhulu sokusasazeka kwi-Depression Depression. Lo mngcipheko we-risk should not be amazing because many of them grow up the Great Recession - uhla lwezomnotho olubi kunabo bonke ukususela kwiNkxwaleko enkulu.
Kodwa ngelishwa, ukungathathi umngcipheko okwaneleyo kwiminyaka emncinci kunokukhokelela kwiindleko ezinkulu kwixesha elizayo ngenxa yemiphumo yokuhlanganiswa.
I-Millennials ingafuna ukuqwalasela ukuhamba phakathi kweemarike zamazwe ngamazwe athile xa bebancinci, kubandakanye iimarike eziphumayo kunye nezomhlaba . Nangona ezi marike zinokungabi nantoni enkulu kwixesha elifutshane, zithatha ukubonelela ngethuba elingcono lokubuyela ngexesha elide. Abatyala-mali abasakhulayo abangekho mfuneko yokurhoxisa imali kwixesha elide banokuzuza kule mivuzo ephakamileyo kuba bengabhubhisi isidingo sokurhoxisa imali ngexesha elibi.
3. Musa ukulibala ukuhlukana
Kulula ukwakha iphothifoliyo kunye negalelo elimiselweyo inyanga nganye okanye ikota ukuya kutyalo-mali oluhlukeneyo. Ngelishwa, ukusebenza kwabo batyalo-mali kunokuchaphazela ukwenziwa kwepotfolio kwithuba elide lexesha. Ngokomzekelo, umtyalo-mali oncedisa ipesenti ezingama-25 zentlawulo yabo yenyanga kwii-stocks zangamazwe angabheka iphothifoliyo yabo kwiminyaka elishumi ukuze afumane ukuba iisitokethi zilandele ihafu yesipotfoliyo ukuba i-stocks zangaphandle zifakwe kwiimpahla ze-US.
Ii-Millennial kufuneka zihlolisise rhoqo iipotfoliyo zazo kwaye zihlengahlengise izikhundla zabo okanye ukwabiwa kwempahla ukuqinisekisa ukulungeleka kwinqanaba lomngcipheko.
Ukuba kunzima kakhulu, banokufuna ukucinga ngokusebenza nomcebisi wezezimali okanye iqonga lokutshala imali ngokuzenzekelayo ukuqinisekisa ukuba le mi sebenzi yenzeke rhoqo. Le mizamo inokunceda ukuphucula ukubuyiswa kwexesha elide, kwaye kubaluleke ngakumbi, ukuqinisekisa ukuba abatyali-mali abazithatha ingozi ngakumbi kunokuba bayathanda.
4. Qinisekisa ixesha
Iwaka leeMillennials eziphila kwiRest Recession zingaba nokuthintela ukuphepha ezi ntlobo zokuncipha kwixesha elizayo. Kodwa, uzama ukuthengisa izitokisi ngaphambi kokuhla kwexabiso kwaye uzithenge njengoko nje ukuthengwa kweemakethe kudla ngokubi. Ngokutsho kovavanyo lokuthembeka, utyalo-mali otyalomali ngokukhawuleza kwiimarike kuhlawulela ukuvelisa iindleko eziphezulu ngaphezu kwexesha elide, ngeli xesha ixesha elibi liphela 'ukuhlala ngekheshi'.
I-Millennials iyakwazi ukuzifumanisa ngokukhethekileyo ezi ngcinezelo ukuya kwixesha lemarike xa kuthengwa nokuthengisa ii-stocks zamazwe ngamazwe.
Kulula ukubona iinqununu malunga neGrits's default or ' Brexit ' kwaye uzive uphoqelekile ukuba uthengise iimpahla. Ngexesha elifanayo, kulula ukuva malunga nemarike eshushu ezayo ekhulayo kwaye uzive uphoqelekile ukuthenga. Kodwa, abadlali abalungileyo banamathele ukuba abo bathatha inxaxheba ngokukhawuleza ngexesha elide kunokuba bazame ukufikelela ixesha lokuthengisa.
Ngaphantsi
I-Millennials ingaba isizukulwana esingumngcipheko, kodwa akufuneki ukuguqulela kwisigqibo sezoqoqosho. Ukutshala imali kwiimarike zamazwe ngamazwe kunokunceda ukunciphisa ingozi ngokusebenzisa ulwahlulo kunye nokuvelisa iindleko ezinkulu kwixesha elide, kodwa kubalulekile ukuqinisekisa ukuba iphothifoliyo ichanekile ngokufanelekileyo rhoqo. Ngokugcina ezi ngcebiso ngqondweni, ii-Millennials zinokukunceda ukuqinisekisa ukuba zikhuphula iindleko zabo ngokuhamba kwexesha.