Ngokomzekelo, cinga ukuba umtyalo-mali wase-US uthenge isitishi saseJamani nge-euro eziyi-100.
Ngenkathi ubambe le sitoksi, izinga lokushintshaniswa kwe-euro livela kwi-1.5 ukuya kwi-1,3 zama-euro nge-dollar yase-US. Ukuba umtyalomali uthengisa isitokethi sama-euro angama-100, uya kuqonda ukulahleka kwe-13% ekuguqulweni kweenzuzo kwi-euro ukuya kwi-dollar yase-US.
Nangona kunjalo, ukuba loo motyali-mali wayegqeba isikhundla sakhe ngokukodwa ngokuthengisa i-euro , ngoko ke inzuzo evela ekuhlaleni kwe-euro yayiza kuthoba ukulahlekelwa kwe-13% ekuguqulweni. Kule nqaku, siza kujonga indlela abatyala-mali abangakwazi ngayo ukulawula umngcipheko lwemali ukukhusela iipotfoliyo zabo kunye nokuphucula imbuyekezo yabo yokulungiswa kwengozi.
Indlela yokuLawula ingozi yemali
Abatyalomali bamazwe ngamazwe banokhetho oluninzi xa kufikelelwe ekulawuleni ingozi yemali, kubandakanywa nokusetyenziswa kwezixhobo ezinjengexesha elizayo lwemali , phambili kunye neenketho okanye imali-imali eneemali. Kodwa, ezi zixhobo zihlala zibiza kwaye ziyinkimbinkimbi ukuze zisetyenziswe ngabanye abatyali-mali. Enye into elula, iguquguqukayo, kunye neyezinye iindlela zokusebenzisa umbane ngokubhekiselele kumngcipheko wemali yinkxaso-mali egxininiswe ngemali- ntengiso (ETFs).
Kukho amaziko amancinci eemali aphakamisa iintlobo ezahlukeneyo ze-ETF ezijoliswe kwi-currency. Abanikezeli ababini abadumileyo kwiMaliShares kunye noBulumko baseTree, bobabini banikela iintlobo ezahlukeneyo ze-ETF ezibandakanya inani leemali ezahlukeneyo emhlabeni jikelele. Ezi zee currenti zibandakanya iindawo zokutyala ezizweni jikelele ezivela eCanada ukuya kwiimarike ezikhulayo ezifana neChina neBrazil.
Abatyalomali banokuthenga izinto ezikhethiweyo ezichasene nalezi zi-ETF ukwenzela ukuba zenze inzuzo kuyo nayiphi na iyancipha kwixabiso lexabiso lemali, eliyakunciphisa nayiphi na ilahleko ekuguqulweni. Enye indlela yokuthenga iimali-ii-ETF ezidibeneyo, eziye zazakhela izindlu zokulwa nokunyuka kweemali ezihambelana ne-dollar yase-US. Ezi zinto ezibizwa ngokuba yi- smart beta zibonelela ngeyona ndlela elula kubachalo-mali abacinga ukuba ukhetho lwemali olukhethiweyo lufumaneka kwi-index abafuna ukuyifaka kuyo.
Ukugqiba ukuba iHedge iyimfuneko
Ukudala uhlaselo olujongene nomngcipheko wezimali kungabiza kakhulu. Ngenkcazo, abatyali-mali kufuneka bahlasele yonke iyunithi yemali yelizwe langaphandle nge-dollar yase-US ukwenzela ukuba bahlale beqingqiwe. Ezinye zeendleko zinganciphisa ngokusetyenziswa kwezithuthi kwiindawo zokulingana, kodwa iindleko zisenokuthi zivumeleke ukuba abatyalo-mali ngabanye banatyalo- mali. Ngenxa yoko, abatyali-mali kufuneka baqale babone ukuba udoti luyimfuneko. Nazi ezimbalwa imibuzo eziqhelekileyo ozibuzayo ngaphambi kokubhukuda:
- Ingaba iindleko zeendonga zimela inani elingafaniyo lokutsalwa kwetyala? Ngamanye amagama, ngaba iindleko zigqithise umngcipheko wezimali?
- Kude kube nini ubamba ukhuseleko lwangaphandle? Ngethuba lexeshana elifutshane, iimali zithatha ukuguquka ngokuncinci, oku kuthetha ukuba iindleko zentambo angeke zifanele ukufumana inzuzo ephantsi.
- Ngaba ucinga ukuba kukho umngcipheko omkhulu wemali eyanciphayo? Ngexesha loqoqosho oluzinzile, iimali zihlala zithengisa ngokunyaniseka okuncinci, okwenza iinqaba zenzeke ngokungadingekile.
Ukudala iHedge malunga neengozi yeMali
Ukuba udoti lubonakala lunengqiqo, isinyathelo esilandelayo sifumana i-ETF efanelekileyo ukuyisebenzisa. Uluhlu olupheleleyo lwe-ETFs lwemali lunokufumaneka kwi-CurrencyShares kunye / okanye kwiWebhsayithi ye-WisdomTree. Okwangoku, ezinye ii- ETF ezininzi zibonelela ngeemveliso ezikhethekileyo ezinokuthi okanye ezingafanelekanga, kuxhomekeke kwimeko yomtyalomali. Nazi ezinye ze-ANDFs eziqhelekileyo zemali:
- I-CurrencyShares i-Canadian Dollar Trust (i-NYSE: i-FXC)
- ImaliShares i-Australian Dollar Trust (i-NYSE: i-FXA)
- WisdomTree iDreyfus Xhosa Yuan Fund (NYSE: CYB)
- I-WisdomTree iDreyfus yaseBrazil yaseNgxowa-mali (i-NYSE: i-BZF)
Nazi iimanyathelo zokubamba umngcipheko wemali kunye ne-ETF:
- Ukuchonga i-ETF . Qala ngokukhangela i-CurrencyShares, i-WisdomTree kunye nabanye ababoneleli be-ETF ye-ETF yemali ehambelana notyalo-mali lwangaphandle. Ukuba ezininzi zikhoyo, abatyali-mali kufuneka bafune ii-ETF ngeendleko eziphantsi kunye neentlawulo.
- Qinisekisa isiKhokelo . IiHedges zihlala zithatha ulwahlulo oluchaseneyo njengotyalo-mali lwangaphandle. Ngoko ke, ukuba umtyalomali usele ikhefu laseCanada , kufuneka abe mfutshane ne-ETF yaseDanari. Kwiphepha le-flip, ukuba umtyalo-mali ufutshane nesitokhwe saseShayina, kufuneka abe ngu-ETF waseYinan.
- Bala inani . Abatyalomali banokuthi bahlawulele okanye batyelele ngokutsha utyalo-mali lwabo lwangaphandle ngaphandle kwengozi yemali. Ukuhlawulela ngokupheleleyo, abatyalo-mali kufuneka bathenge ixabiso lemali elifanayo kwi-ETF. Okanye, banokuthenga okukhethwa ngamalungelo kwixabiso elifanayo leedola.
- Lawula u shishino . Xa kuthe kwenziwa urhwebo, abatyali-mali kufuneka bajonge imeko ngokukhawuleza ixesha lokuthengisa. Ukuba imali iya kuba yomelele, kunokuqikelela ukuba uthengise inxalenye yomcengelelo, ngelixa imeko edibanisayo ingafuna ukukhuselwa okungakumbi.
Amaphuzu athathweyo
- Umngcipheko wemali yindlela yokubeka ingozi evela kwiinguqu kwixabiso lexabiso lexabiso lemali, ezinokuchaphazela inzuzo yonke kwi-investment.
- Indlela elula kunazo zonke abatyala-mali ngabanye abanokumelana neengozi zemali kukusetyenziswa kwe-ETF ezijoliswe kwi-currency, ezinokuthi zinciphise iinguqu zemali ezihambelana ne-dollar yase-US.