Ubuninzi bezinto ezichaphazela ukusebenza kweemali zakho zebhanki , kodwa impembelelo yexabiso elitshintshayo le-dollar yase-US ayixabiswa kwaye ayisoloko iqondwa kakuhle.
Xa umphathi weengxowa-mali ethenga ukhuseleko lwangaphandle, uya kuthenga ngokuthe xa kuthengwa "kwiimarike zendawo," okanye imarike apho ukhuseleko lukhutshwe. Oko kuthetha ukuba umphathi kufuneka athenge ukhuseleko kwimali yendawo, efuna ukutshintshwa kweedola zase-US kule mali.
Imarike yokutshintshiselana ngemali iyasebenza kakhulu, nto leyo ithetha ukuba ixabiso ledoli lihlala liguqulela isiqingatha kwixabiso lemali ephesheya. Isiphumo kukuba utshintsho kwixabiso lolwalamano phakathi kwedoli kunye nemali apho ukhuseleko luthengwa lunokuba negalelo elinentsingiselo kwixabiso lentyalo-mali. Into ebaluleke kakhulu ukuyikhumbula yile:
I- dollar eqinile iya kuba nefuthe elibi ekusebenzeni kwemali yezibhanki zamazwe ngamazwe (ekubeni ixabiso leemali zelizwe langaphandle lihla).
I- dollar ebuthathaka iya kuba nempembelelo entle ekusebenzeni (ekubeni ixabiso leemali zelizwe langaphandle likhula).
Makhe sibone umzekelo. Yithi umphathi uthenge izibophelelo ezigidi ezigidi zeedola ezibhalwe kwiiphilile zaseBrithani kwaye zibambelele kutyalo-mali ezintandathu. Ngaloo xesha, ixabiso lebhondi lihlala ngqo kanye kwaye umphathi ekugqibeleni uthengisa ngeli xabiso elifanayo ahlawule ngalo.
Ngoko ukubuyela kwi-investment kwaba ngu-0%, akunjalo? Akunjalo. Ngethuba lelo xesha, masithi intengo yepondo yaseBrithani yawa i-5% ngokumalunga nedola. Xa umphathi uthengisa utyalo-mali, uya kufuneka enze kwinqanaba elisezantsi lemali. Ngenxa yoko, ukubaluleka kotyalo-mali kuye kwawa ngo-5%, kwaye umphathi waphela ukulahlekelwa yimali.
Imibuzo Yokubuza Ngaphambi kokuba Utyalole
Ngokuhamba kwexesha, ukuguqulwa kwemali kunokuba nempembelelo enenjongo ekusebenziseni iimali zebhanki zamazwe ngamazwe. Oku kuyinyani ngokukodwa kwimeko ye - bond-bond market- bond market ukususela ekubeni iindleko zeemarike eziphuhlisayo zivame ukuba zininzi.
Ngoko ke, uhlawula ukuphanda utyalo-mali ukuze uqinisekise ukuba uyazi kakuhle oko ufumanayo. Ingaba umphathi ugcina ukutshatyalaliswa ngokupheleleyo kwiingxowa-mali zangaphandle, okanye " uhlambulule " iphothifoliyo ukuqinisekisa ukuba ukunyakaza kwemali kunempembelelo encinci okanye akukho nxaxheba? Ingaba umphathi uthatha indlela esebenzayo , ukutshintshwa kwemali yengxowa-mali yokuzama ukuzongeza ixabiso? Yaye ukuba kunjalo, ingaba irekhodi yecandelo le-fund libonisa ukuba le ndlela isebenze kakuhle kwixesha elidlulileyo?
Njengamaxesha onke, utyalo-mali oluthile olukhethayo lusekelwe kwiinjongo zakho kunye nokunyamezela . Ukuba awuyiqondi ngokupheleleyo into oyithengayo, kunjalo, unokufumana utyalo-mali obuninzi kakhulu kunokuba uxoxwe.
Umgca wezantsi: ukubeka imali ngemali akuyiyo ingqwalasela ephambili xa ukhetha utyalo-mali, kodwa ngokuqinisekileyo yinto efanelwe ukunyamekela.