Uphononongo ngo-2015 wabonisa ukuba abacebisi babe ne-73% yabaxhasi babo kwiindawo zokutshala imali kunye nabangama-70% abacebisi bacebise ukugcina ukwabiwa kwabo kwabathengi ngabanye, nangona isiqingatha sabo sinomuvo wokuthi utyalo-mali oluthile luye lwasuka ngo-2008.
Uphando lubonisa ukuba ngokwemali yesabelo sexabiso, abaninzi abacebisi bacebisa udidi lwe-6% ukuya kwi-15% yepottoliyo yezinye iinkqubo. Abaninzi (abacebisi abangama-18%) babetusa i-16% ukuya ku-25% yeefowili zabo zabaxhasi kwezinye iindlela.
Olunye utyalo mali
Amafayili athengisa njengoMorgan Stanley kunye noMerrill Lynch bancomele imizekelo yokwabiwa kwabathengi ngeendlela ezingasondele okanye ngaphezulu kwe-20% kwipotfoliyo. Enyanisweni, wonke umthengi uhlukile kwaye izabelo ziyahluka kumxhasi ngamnye, kodwa ukhuselekile ukuthetha ukuba ingxoxo ekhoyo kunye nomcebisi wakho wezezimali mhlawumbi iya kubandakanya isihloko sotyalo-mali oluthile kwi-portfolio yakho.
Kulabo abangaqhelanga nabo, utyalo-mali oluthile luchazwa ngokuthi "iimpahla ezingekho phantsi", oko kukusebenza kwabo akulandeleli iiklasi ze-asethi zamasiko ezifana ne-stocks kunye nezibophelelo. Zithathwa njengendlela efanelekileyo yokulinganisela umngcipheko kwipotfoliyo kunye nokubonelela "umgca" kwimeko yesitokisi okanye i-bond meltdown kwaye ifanelekile kwingxenye encinci yepotfolio yakho yonke.
Nangona ukhangele iphothifoliyo yakho kwaye ungaboni ngokuthe ngqo into oyifumayo njengotyalo-mali oluthile, kungenzeka ukuba kubekho ii-ETF okanye iimali, kunye neengxowa-mali ezininzi ezinkulu zemali ezifana neempesheni kunye neminikelo yomhlalaphantsi, utyalo mali.
Uninzi lwabantu ludibanisa i-hedge fund njengotyalo-mali oluqhelekileyo kunye nabanini-zimali abaninzi, kunjalo.
Nangona kunjalo, ezininzi iingxowa-mali zifumaneka kuphela kubatyalo-mali abakhulu kwaye zifuna inani elininzi lamaphepha, iimali eziphezulu kunye neentloko zentela. Nangona kunjalo, abatyali-mali abaninzi bafumana ukutyalwa kwamanye amatyalo ngokusetyenziswa kwamanzi njengemali yokubambisana, ii-ETF kunye neemali ezivaliweyo ezibonelela ngempahla yamhla ngemihla, kodwa zinobuchule obunzima bokuzifaka imali ezifuna ukugcina indawo yazo engahambelani.
Ukujongwa kwe-Blackrock kuluhlu lokutyalomali oluthile kufaka izicwangciso ezifana nobude obude / obufutshane, ukulingana kwemicimbi, ukuthengwa kwempahla kunye nemali yexabiso. Abantu abaninzi bacinga i-real estate yabo, i-gold holdings, iwayini, kunye nokuqokelela izitampu njengotyalo-mali olongezelelweyo.
Ngaba i-Investment Alternative iya kuba kwiPortfolio yami?
Ngo-2014, sabonisa inkolelo yokuba ukufakwa kwamanye utyalo-mali kuyimpawu ehlakaniphile yokunikezelwa kweefa kwiakhawunti yethu yomhlalaphantsi. Sixoxe ngenjongo yethu yokusebenzisa i-5-10% yephothifoliyo yethu yokuthatha umhlala phantsi kule nqanaba lokungeniswa kwemali. Siye sigqiba ekubeni ezinye iindlela zokutshala imali ezikhethiweyo ziza kuba ngamacenge .
Unokufunda uluhlu olupheleleyo lweempawu ezivela kwi-Marketwatch.com malunga nokutyalomali kule minyaka mibini esayinayo. Umgca wokugqibela kukuba utyalo-mali lwalunxweme (ngenye indlela, ukulahlekelwa isiqingatha sexabiso le-akhawunti) kodwa ekugqibeleni uye wahlawula kwaye siphumelele ukufumana inzuzo ephindwe kabini kwi-investments kwi-GBTC, ekhoyo ngeli nqanaba utyalo-mali olusulungekileyo olusisiseko-mali oluthile olunokungathenga ngalo umcebisi wakho (ewe, unokuyithenga koko kumcebisi okanye umthengisi we-intanethi).
Ixabiso le-bitcoin liphindwe ngokuphindwe kabili ukusuka apho bekuyiminyaka edlulileyo. I-GBTC okwangoku ilandelela ukubuyela kwe-16% kunyaka. Kodwa, njengoko satshilo kwaye sichaza ngelixa lethu ixesha elide li-GBTC kunye ne-bitcoin, luye lube luncedo, kodwa luhamba luhamba ngendlela.
Ngenjongo yokuthelekisa, makhe sijonge utyalo-mali "oluqhelekileyo" olubizwa ngokuba nguye utyalo-mali olongezelelweyo-ukulungiswa kwemali kunye neengxowa-mali. Umyinge we-hedge fund ubuye wehla malunga no-4% (ngo-2015, isikolo se-hedge fund sasihla kwe-3.64%) kwaye abaninzi banokulahlekelwa ilahleko eziphindwe kabini.
Ukulandelela ixabiso leGolide nge-GLD ETF ibonisa ukuba nangona inani lalo leminyaka elingu-3 kunye neminyaka emi-5 lihlala kwintsimi embi, ukubuyiswa komnyaka omnye kulungile kwi-5%.
Mhlawumbi akuyi kuba ixesha elide phambi kokuba ubone i-ETF eyenziwe ngamashishini aphishekela ubuchwepheshe beBlockchain (iya kuthathwa njengotyalo-mali oluthile?).
Ezinye i- hedge funds sele zibandakanya i-bitcoin kwiipotifoliyo zazo. Kukho i-hedge funds eziseBitcoin kunye neBlockchain zokuqala ezinokuthi olunye usuku lube ngamashishini athengiswa ngabantu kwiipotifoliyo zabo. Ukuba i-hedge fund ithathwa njengotyalo-mali oluthile kwaye sele sele isebenzisa i-bitcoin, ngoko kutheni iifemu kunye namajelo asinakukwazi ukuvakalisa ukuba yi-investment enye?
Beyond Bitcoin
Ukuba unomtsalane okhutheleyo, usenokufuna ukujonga ezinye iincwadi zokubhala . Eqinisile, i-Bitcoin ayiyena kuphela idijithali yemali. Enyanisweni, kukho ukutshintshana okuthengayo kwaye kuthengisa imihla ngemihla ezininzi zezi zixhobo ezihlukeneyo, eziquka i-ETH (Ethereum), eye yanyuka okanye i-XRP ephuma kwi-Ripple Labs kwaye isetyenziswe kwiiprojekthi ze-blockchain ezibandakanya amabhanki asele.
Asazi nayiphi na imikhiqizo ekhoyo evela kubathengi bendabuko okanye kwi-intanethi okuza kukuvumela ukuba utyalole ngokukhawuleza kwi-cryptocurrencies, ngaphandle kokwenza oko ngokwakho kunye ne-akhawunti kunye nenye yeengxoxo ezizithengayo kwaye zithengise, njengePoloniex. Kodwa baya. Isiqalo esincinane sokuthi i-lawnmower.io sakha amandla okuvumela ukuba abatyali-mali ngabanye batyale imali kwi-portfolio of cryptocurrencies, kuquka iBitcoin. Baya kuba nekhono lokwenza ezi ntengiso kwi-device yeselula kunye nokusebenzisa i-dollar iindleko zobungakanani.
Ngaloo msebenzi wonke wamanje kunye nekamva, asiyikuboni nayiphi na inkampani, nayiphi na umcebisi okanye nayiphi na impapasho ecacisa iB Bitcoin okanye nayiphi na enye i-cryptocurrency njengotyalo-mali oluthile. Akungathandabuzeki ukuba abahambelani kunye nempahla kunye nezibophelelo. Baye baqwalaselwe njengemali (eqinisweni, babeyimali engcono kakhulu yokwenza ngo-2015).
Inqaku lethu apha akuyikukukholisa ukuba utyalomali kwiBitcoin, GBTC okanye kwi-cryptocurrencies, kodwa kukuxelela ukuba abanye abaninzi bayakwenza. Njengoko naliphi na utyalo-mali, abanye benza imali ukwenza kwaye abanye balahlekelwa yimali ukwenza oko. Kubalulekile ukuba uqaphele ukuba oku kutyalo-mali akuyiyo intliziyo engapheliyo, kodwa kukhula kwaye ewe, babonisa ithuba lokwenyalo lotyalo-mali.
Ukuba usacinga ukuba i-Bitcoin ayikho into ecwangcisiweyo yenkqubo ye-Ponzi, ngoko kutheni iinkampani ezinjenge-Overstock.com, eBay, Amazon, Target kunye ne-Expedia zamkela njengendlela yemali efana neekhadi lokuthenga ngetyala?
Ukuba ucinga iteknoloji yeBlockchain (i-infrastructure engundoqo yeBitcoin) yinto encinci, ngoko kutheni iinkampani zezezimali ezifana neBhanki yaseMelika, i-Merrill Lynch, i-Citi, i-Credit Suisse kunye ne-JPMorgan, uJohan Hancock kunye ne-DTCC iqhuba iimvavanyo kunye nayo ukuphucula iinkqubo?
Cinga ngezinye iindlela zokuTyala imali njengeNgxenye yePortfolio
Sikholelwa ukuba ixesha lifikile ukuba abatyali-mali kunye neefom zezemali bahlele utyalo-mali kwiBitcoin, i-cryptocurrencies kunye ne-blockchain ubuchwepheshe bokusetyenziselwa utyalo-mali, kwaye ngaloo ndlela ube neendawo kwiipotfoliyo zokutshala imali. Kule minyaka embalwa ezayo, kuyacaca ukuba kuya kuba namathuba amaninzi okutyalo kuwo. Njengoko la mathuba otyalo-mali avulekayo, kufuneka adityaniswe ngokufanelekileyo ukuze afakwe kwiiphothifoliyo zotyalo-mali esebenzisa iimodeli zokwabiwa kweefa.
Uninzi lwabantu luya kubagxotha, kuquka umcebisi wakho. Kodwa sizimisele ukuthetha ukuba kunye nenkqubela (kunye neenzuzo) ezenziwe, ngaphezu konyaka ozayo okanye ezimbini, asiyi kuba yedwa umntu onokuxelela malunga nokuba bangayifumana njani enye indlela yokwenza utyalo-mali.
Qinisekisa ukuba utyalo-mali lwakho lulandele imigaqo yokwabiwa kweefa ezifanelekileyo. Asifuni ukuba ube ngumtyalo-mali ongenakutyala.
UKUFUNEKA - UJack unezikhalazo ezininzi kwiipotifoliyo zakhe eziquka i-Bitcoin, i-XRP, i-ETHER, ne-Factoids. Kananjalo ungumcebisi we-lawnmower.io, ekhankanywe kweli nqaku.