Ukutshala imali kwiMali yangaphandle ngaphandle kokushiya ikhaya
IiNzuzo kunye neengozi zokuTyala imali yeMali
Zininzi iinzuzo kunye nobungozi bokuqwalasela ngaphambi kokuthatha isigqibo sokutyalwa kwemali yangaphandle.
Ngoxa i- market enkulu kunye neyona nto ininzi, abatyali-mali kufuneka baqaphele ingozi enkulu eyayihlula kwiimarike zentsebenziswano nemveli. Ngokuphawulekayo, umlinganiselo ophezulu osetyenziswayo xa utyalo-mali lwemali yangaphandle ungabangela ukungazinzi okukhulu kunye nomngcipheko omkhulu wokulahleka.
Iinjongo eziphambili zokutyalwa kwemali yangaphandle ziquka:
- Iimarike ezinkulu kunye namanzi . Imarike yokutshintshiselana kwamanye amazwe iyimakethe enkulu kunazo zonke kunye neyomhlaba jikelele, ngeqondo eliqhelekileyo lemihla ngemihla ngaphezu kwama-4 trillion.
- Ukuchithwa . Imarike yokutshintshiselana kwamanye amazwe inikezela abatyalo-mali indlela yokungafani nangoko kubungozi obubangelwa neDola yase-US njengeklasi yexabiso .
- IiHora zoRhwebo . Imarike yokutshintshiselana kwamanye amazwe isebenza iiyure ezingama-24 ngosuku, iintsuku ezintlanu ngeveki, elide lide kuneemarike zenkcubeko, i-bond, okanye i-future market.
- Iindleko eziphantsi . Uninzi lworhwebo lokuthengisa utshintshi alubandakanyi ukuhlawula ikhomishoni, kodwa kunoko, i-bid / ask spread spreads to be stronger than equities.
Imingcipheko ephambili yokutyalwa kwemali yangaphandle iquka:
- Umgangatho ophezulu . Imarike yokutshintshiselana kwamanye amazwe ihamba ngokunyuka okuncinci kakhulu, okwenza ukuphakama okuphezulu (nge- marge ) kuyimfuneko kunye nobungozi kulabo abatyala imali ngqo.
- Ukunyaniseka okukhulu . Imarike yokutshintshiselana kwamanye amazwe iyaziwa ngamanqanaba aphezulu okungaxhamli ngenxa yeengxelo zezoqoqosho , ukungenelela kwebhanki , kunye nezinye izinto.
Abatyalomali kufuneka baqwalasele ngokucophelela iindlela zokulawula umngcipheko ekuncedeni ukunciphisa le mngcipheko nokuphucula ukubuyiswa kwexesha elide. Ukongezelela, kubalulekile ukugcina imali eninzi ekhuselekileyo ukuze ugweme nayiphi na umngcipheko osuka ekusebenziseni umgangatho xa uthengisa ngokuthe ngqo kwiintengiso zangaphandle.
Ukutshala ngokukhawuleza kwimali engaphandle kunye ne-ETFs
Iimali ezixhaswa nge -Exchange (ETFs) zimelela enye yezindlela ezilula zeengcali ze-noncurrency zokutshala imali kwimali yangaphandle. Ezi mali zithengwa kwaye zilawula iipotifoliyo zeebhanki egameni labatyalomali zisebenzisa izixhobo ezifana ne-swaps kunye nezivumelwano zesikhathi esizayo. Izinzuzo kukuba abatyali-mali abanalo mngcipheko olunxulumene nefuthe, kwaye ukuthengwa ngokwayo kunokwenzeka ngokuqhubekayo kumthengisi wempahla yemveli kunokuba ube ngumthengisi werhwebo lwangaphandle .
ImaliShares kunye noBulumko Bokuba ngababoneleli ababini baninzi be-ETFs eyenzelwe ukunceda abantu batyale imali kwilizwe langaphandle. Okwangoku, iinkampani ezinjengeProShares zinikeza iindlela zokwenza iibhentshi ezihlawulelwayo kunye neenani leemali ezidumile. Abatyalomali kufuneka bafunde ngokucophelela i-ETFs ngaphambi kokuba batyalile ukwenzela ukulinganisa nayiphi na imali ehlawulwayo kwaye bafunde ezinye iinkcukacha ezibalulekileyo.
IiFET eziqhelekileyo ezide ukutyalomali kwimali yangaphandle zibandakanya:
- I-CurrencyShares i-Canadian Dollar Trust (i-NYSE: i-FXC).
- ImaliShares Swiss Franc Trust (NYSE: FXF).
- ImaliShares i-Australian Dollar Trust (i-NYSE: i-FXA).
- I-WisdomTree i-Dreyfus Imali yeNgxowa-mali yeMali (i-NYSE: i-CEW).
- I-WisdomTree iDreyfus yaseYinan Fund yaseYinan (i-NYSE: i-CYB).
- I-WisdomTree i-Dreyfus yaseBrazil yaseNgxowa-mali (i-NYSE: i-BZF).
Ii-ETF ezifutshane eziqhelekileyo ukubheja kwiinkcitho zangaphandle zibandakanya:
- ProShares UltraShort Euro (i-NYSE: EUO).
- ProShares UltraShort Yen (NYSE: YCS).
Indlela yokuTyala imali kwilizwe langaphandle
Abatyalomali banokuthenga ngokuthe ngqo kwaye bathengise iimali ngamnye kwi-marginal ngokusebenzisa i- brokerage yangaphandle . Ngentlawulo yokuqala njengento engama-$ 300 ukuya kuma-500, abatyali-mali bangathenga imali ngemilinganiselo ye-margin ephuma kwi-50: 1 ukuya ngaphezulu kwe-10,000: 1. Ngokuqinisekileyo, umgangatho ophezulu ofunyenwe kumgama wamanzi uguqulela ukunyuka kwenyanzalo kunye nomngcipheko wokulahleka.
Abatyalomali kufuneka bathathe ixesha lokuphonononga kunye nokukhetha umthengisi ophezulu we-forex njengoko i-marhwebo ayinjalo njengoko ilawulwa ngokuqinileyo njengemarike yokulingana yase-US. Ngokukodwa, iinjongo ezilungileyo kukukhusela abathengi bangaphandle abangenakulawulwa ngabaphathi bamazwe ngamazwe.
UkuHlelwa kweMali
Abatyalomali bangaphinda bafune ukusebenzisa i-hedges yemali ukukhusela kwiilahleko ezibangelwa ukunyuka kwemali. Ngokomzekelo, umtyalomali obona amathuba eYurophu angafuna ukuhlawula ilahleko kwi-euro malunga ne-dollar yase-United States, enokususa nayiphi na inzuzo. Ingcipheko kukuba ukukhwela kwemali kuthintela ezinye zeenzuzo zeentlobo ezahlukeneyo.
Iimali ezikhethiweyo-iimali ezikhethiweyo ziquka:
- I-WisdomTree Yurophu iHedged Equity Fund (i-NYSE: i-HEDJ).
- I-WisdomTree i-Japan Hedged Equity Fund (i-NYSE: i-DXJ).
- I-iShares Imali eHedged MSCI EAFE ETF (NYSE: HEFA).
Ngaphantsi
Abatyalomali abafuna indlela elula yokutshala imali kwimali yangaphandle kufuneka baqwalasele i-ETFs. Ezi mali zilula ukuzithengisa kunye nabasemagunyeni bempahla yesintu kunye neengozi ezincinci ezichaphazelekayo. Nangona kunjalo, abo bafuna ukuthe ngqo ngokuthe ngqo kwiimali zangaphandle bangaphinda bavule i-akhawunti yokuthengiselana ngelizwe langaphandle kwaye bathenge iirhafu ngokukhawuleza usebenzisa umgama . Izingozi kunye nembuyekezo zidibene naluphi na indlela, kwaye abatyali-mali kufuneka bajonge ngeengxaki ngaphambi kokuba benze isigqibo.