Indlela yokuTyala kunye noHedge kwiMali yokuNyuka kwamaxabiso
Ixabiso lentengo lithathwa njengenye yeentshaba ezibi kakhulu. Nangona kunjalo, kunokuthiwa ukuba ukungabikho kokuqonda kwexabiso lokunyuka kwamaxabiso kungabangela ingozi kwipotfoliyo yotyala-mali. Funda indlela yokutyalwa kunye nokulwa nxamnye nemimandla yezoqoqosho.
Inkcazo kunye noMzekelo wexabiso lemali
Ixabiso lemali lixesha elijongene nezoqoqosho olubhekiselele kummandla wokunyuka kwamaxabiso kwempahla kunye neenkonzo ngaphakathi koqoqosho oluthile. Njengamaxabiso jikelele aphakama, amandla okuthenga yomthengi ancipha. Umlinganiselo wexabiso lokunyuka kwamaxabiso ngokwexesha libhekiswa njengexabiso lokunyuka kwamaxabiso. Ngesiqhelo esivamile, abantu abaninzi banokubhekisela kumgangatho wokunyuka kwamaxabiso "njengendleko yokuphila."
Ngokomzekelo, amaxabiso empahla eninzi yabathengi iphindwe kabini kwiminyaka engama-20 edlulileyo. Xa uva ootatomkhulu bakhumbula, "I-movie kunye nekhwama ye-popcorn kuphela ibiza i-$ 1.00 xa ndandineminyaka yakho," bayayibona ngokunyuka kwamaxabiso - indleko yeempahla kunye neenkonzo - ixesha elide.
Utyalo-mali ukuhlala phambi kwexabiso lemali
Ngaphandle kokukwazi, abaninzi abantu batyale imali yabo yokugcina imali kwizithuthi zotyalo-mali, njengemali yokubambisana, ngenxa yokuba bafuna ukubetha umthamo. Ukuba ulondoloza imali yakho ngokuyifaka kwiimbiza kwidireji yakho yangasemva okanye ngokuyifaka phantsi kombhede wakho webhedi, uya kulahlekelwa ukunyuka kwamaxabiso ngenxa yokuba indleko yokuphila ikhula ngelixa ixabiso lemali yakho (nakuba usenokuba " "kumhlaba)!
Enyanisweni, usenokuthi ulahlekelwe ngumlinganiselo wokunyuka kwemali nokuba ugcina imali yakho kwi-akhawunti yebhanki okanye kwiSatifikethi seDistim (CD).
Ngokomzekelo, izinga eliqhelekileyo lomlando lokunyuka kwamaxabiso li-3.20%. Masithi uziva uxanduva lwezezimali kwaye ubeka imali yakho eyi-hard in CD, ufumana i-2.00%, kwibhankini yasekhaya.
Ukwenza izibalo ezikhawulezayo, unako ukubala umehluko (3.20 - 2.00 = 1.40) kwaye ubone ukuba usaphulukana nokunyuka kwamaxabiso ngo-1.20%. Oku akuthinteli nakwiirhafu zerhafu ekugcineni kwakho, okuya kunciphisa izinga lakho lokwenene (emva kokunyuka kwexabiso lentlawulo) ukuya kwi-0.10%, ekuthatyathwa kwezinga eliphezulu lentlawulo ye-25%. Ngoko ke, kwizinga eliphantsi lomdla, ungasindisa imali kwi-CD kodwa uxabiseke ngenxa yokunyuka kwamaxabiso nentlawulo - wenza oko ndibiza ngokuba "ukulahlekelwa yimali ngokukhuselekileyo."
Indlela efanelekileyo kakhulu yokuba abaninzi abantu batshale imali-mveliso -kufezekisa ukubuyiswa kwemali engaphezulu kwe-3.20% - kukutyalomla kwintsebenziswano ethile yeempahla kunye nezibophelelwano zemali. Umbuzo ngoku, "Ziziphi iimali ezifanelekileyo kwixabiso lentengo?"
Utyalo-mali lweMali-mali kunye neendlela zokuHlaba
Yintoni abantu abaye bacinga ngayo xa becinga ngemali yokunyuka kwamaxabiso (ukunyuka ngokuthe ngcembe kwindleko yokuphila) akuyona into embi kakhulu kwindlela yomtyalo-mali. Imali engenayo ingabalungisa. Ize-Economists zibhekiselele kumlinganiselo wokulinganisela wokunyuka kwamaxabiso kunye nokukhula koqoqosho njenge "Goldilocks Economy" kuba kulungelelaniso "luchanekileyo" lotyalo-mali kunye nomsebenzi wabathengi. Le ibhalansi efanelekileyo yilapho izinga lokunyuka kwamaxabiso lilinganiselwa kumyinge ophantsi, ithi 3% okanye ngaphantsi, kwaye ukukhula koqoqosho kuku-3% okanye ngaphezulu.
Yindawo apho amanani esitokhwe anganyuka kwaye amaxabiso angamaqumrhu azinzileyo kuba akukho mveliso yangaphandle (umgaqo-mali okanye umgaqo-mali).
Ngokuqhelekileyo, amasheya anqwenela ukubophelela kwimimandla yokunyuka kwamaxabiso ngenxa yokuba amanani eebhondi awela njengamaxabiso enzala. Xa ukunyuka kwamaxabiso kungena ngaphezu kweGoldilocks level (2% ukuya kwi-3%), ixabiso leDola laseMelika liwa. Ngako oko, iimali zengxowa-mali zasemzini zingasebenza njengomcibisholo othomathiweyo njengoko imali etyalomali kwiingxowa-mali zangaphandle iguqulelwa kwiidola ezininzi ekhaya.
Izigaba zengxowa-mali eziphathekayo ezinokukwenza kakuhle kwiindawo zokunyuka kwamaxabiso ziquka ukugcinwa kweemali ezikhuselekileyo zokunyuka kwamaxabiso (i-TIPS) , kunye neengxowa-mali ezigqwesileyo zokunyuka kwamaxabiso , njengemali yexesha elifutshane.
Iingcebiso kunye Nokulumkisa ngokuTyala imali
Ukuzama ukuhamba ngeemarike kunye neemeko zoqoqosho kunye nezicwangciso zokutyalomali yindlela yokuthengisa ixesha elinomngcipheko omkhulu wokulahlekelwa ixabiso kwi-akhawunti yokutshala imali.
Kuba abatyali-mali abaninzi, ukwakha iipotifoliyo ezahlukileyo zeemali ezizimeleyo kuyisicwangciso esihle kunazo zonke kuyo yonke imarike kunye nezoqoqosho.
Qaphela kwakhona: I-Hyperinflation, iStagflation , Deflation , kunye ne- Reflation .
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.