Kukuphi ukuTyala imali xa iRhafu yeNtengo ihamba
Xa amaxabiso enzala aphantsi okanye kufuphi nomda wezendalo, ukunyuswa kokutsalwa kwezilumko kukulungiselela ukunyuka kwamaxabiso enzala, kulandelwa ukunyuka okuphezulu kwamasitokethi ngaphambi kokuncipha ( kuthwala iimakethi ).
Nangona uqoqosho luba lunempilweni ngokufanelekileyo xa amazinga eqala ukunyuka, amazinga okunyuka awakalisa ukuqala kokuphela komjikelo wezoqoqosho. Ngoko ke indlela yokucwangcisa kunye nokulinganisela kukuhlala utyalo-mali ukuba usebenzise ithuba lokuhamba ngokukhawuleza kwexesha elide kodwa ulungiselele amaxesha amanzima ajikeleza kwikona.
Iifom zeNgcono zeSitokisi zeNkxaso yeRhafu
Ekubeni le yindawo yokuthengisa imali ngabathengi-mali, andiyi kunika izicwangciso zeesitokethi ezithile ukuthenga ngeemeko zentengo ephakamileyo kodwa ndiya kukuxelela ukuba yeyiphi iindidi zeengxowa-mali eziza kukusebenzela. Enye yoluhlu luyi- stock stock funds . Ithuba elifanelekileyo lokutshala imali kwiindawo zokukhula ngokuqhelekileyo xa amaxesha amnandi ngexesha lokugqibela (ezivuthiwe) ezijikelezayo. Ungakhangeli ngaphezu ko-2007 njengomzekelo: Uqoqosho lukhula ngokukhawuleza kwaye amanqaku amaninzi eemarike aye afinyelele kwixesha eliphakamileyo. Kwakhona kubalulekile ukuba uqaphele ukuba unyaka ngaphambi kokuba 'iRest Recession' ka-2008.
Ngo-2007, izitokisi zokukhula zilawulwa kuzo zonke iifowuni-ezinkulu-capital-stock caps, i-stock cap-stocks kunye ne-stock-cap stocks (Jonga ishati yam kwi- Value vs Growth vs Index article). Amaxesha okukhula ngokukhawuleza kaninzi ahambelana nokukhula kwezinga lentengo kwaye isicwangciso esilimazayo sokutyalombela sithatha le ngcamango.
Ngokomzekelo, ngowama-2017, xa i-Fed iphakamisa amaxabiso omrhumo, ukuxhaswa kweempahla zentengo yokukhula zishaya i-S & P 500.
Kodwa gcinani engqondweni ukuba iimali zokukhula kunye neengxowa-mali zentengo yokukhula zihlala zibona ukuhla kwezinga elikhulu kuneemarike ngokubanzi xa kuqalwa ukulungiswa kwemarike yebhebhe.
Iimigangatho zeSitokisi eziPhambili zokuKhuthaza iiRhafu zeNzala
Kwakhona, xa amaxabiso enyukayo, uqoqosho luya kufutshane nantoni (i-Federal Reserve iphakamisa amaxabiso xa uqoqosho lubonakala lukhula ngokukhawuleza kwaye ngoko-ke ukunyuka kwamaxabiso kuyinkxalabo). Abo bajolise ukuhamba ngexesha lemarike kunye namacandelo baya kuba neenjongo zokubakhombisa ukubuyisela okuhle kwixesha elijongene nokulungiselela ukukhusela ekunciphiseni okunzima xa i-marhwebo ihla (kwakhona, cinga ngo-2007 ukuya ku-2008).
Ngenxa yoko abathengisi kunye nabatyalomali banokuqwalasela amacandelo athambekele ekwenzeni okusemgangathweni (ukuwa kwexabiso elincinci) xa i-marhwebo kunye noqoqosho luya phezulu. Ezi zinokuqwalaselwa njengeentlobo zentalo-mali yokuzimela:
- Isisithabathasi sabathengi (abangekho abajikelezileyo) : Nangona ukugcinwa kwempahla yabathengi (i-cyclical) iyakwenza okusemgangathweni kwimigangatho yokuqala yokunyuka kwamaxabiso, iifaki ezingezizo zineengcamango zingaba yinto efanelekileyo ngaphambi kokunciphisa umonakalo, okunzima ukubikezela. Abantu basesidinga ukuthenga ukutya kwabo kwaye bathenge iimveliso zokuphila kwansuku zonke xa kufika umnotho.
- Unonophelo lwezeMpilo : Njengesiqhelo samanzi, abathengi basadingeka bathenge iyeza zabo baze baye kugqirha kwizihlandlo ezilungileyo kunye ezimbi.
- Igolide : Xa abathengisi kunye nabatyalomali balindele ukuphungulwa kwezoqoqosho, bathambekele kwimali, njengemali yegolide kunye ne-ETF ezifaka imali kwiintlobo ezinokuthenjwa. I-Gold ayikho icandelo kodwa iyimpahla enokuyenza kakuhle kumaxesha angaqinisekanga kunye neemarike eziwela.
Njengoko ndihlala ndihlala, ndiyilumkisa ukuba ixesha lokuthengisa imali akuyona ingcamango efanelekileyo kubaninzi-mali. Nangona kunjalo, unako ukufaka ezinye zeengcamango kwizakhiwo zakho zepotfoliyo ngeenjongo zokungafani.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.