Indlela yokuTyala kwi-Economics yokukhula kwelaseMalaysia

Ukutshala imali eMalaysia ukusuka kwiiShishini ukuya kwiiNdawo zangaphandle

"I-saya suka berada di sini" - okanye "Ndiyayithanda apha" - ibinzana abatshali-mali abasebenzisa rhoqo xa bebhekisela eMalaysia. Uqoqosho olunamandla, urhulumente oxhasayo, abasebenzi abaqeqeshiwe, kunye nezibonelelo eziphuhlisiweyo ziguqule ngokuzenzekelayo ilizwe le-Asia nePacific libe yindawo ekutsalatshiselwe ngayo imali kubatyeli behlabathi behlabathi lonke.

Kule nqaku, siza kujonga iingenelo kunye neengozi zokutyalomali eMalaysia, indlela yokutshala imali kwimarike yeevenkile yelizwe, kwaye ukhangele ngenyameko kwishishini layo lezakhiwo njengendawo enye ye-asethi abaye bafuna ukuyiqwalasela ukujikeleza iiphothifoliyo zabo.

Iinzuzo kunye neengozi zokutshala imali eMalaysia

ISilaysia ine-e-centric evulekileyo kunye noqoqosho olutsha olusakhulayo . Phakathi kowe-1957 no-2005, ilizwe lichaze ukukhula kwe-domestic product (GDP) ye-6.5% ngokwemyinge, eyenze enye yezoqoqosho ngokubhekiselele kummandla. Ezi zihlumo zokukhula ziye zancipha ukuya ku-1.29% phakathi ko-2000 no-2015, nangona kunjalo, njengoko uqoqosho lukhula.

Ngokwe-Index ye-IMD yoKhuphiswano, uqoqosho lwamaMalaysia ludhwebo lwe-14 olukhuphiswano oluninzi kwihlabathi kunye nelesihlanu phakathi kwamazwe anabantu abangaphezu kwezigidi ezingama-20, ezibeka phezu kweendawo ezifana neJapan , i- Australia kunye ne- United Kingdom . I-Bhanki yehlabathi ibonakalise njengelizwe lesithandathu elilula kwihlabathi ukwenza ibhizinisi kunye neyesithandathu ilizwe elikhutheleyo lokutyalomali lwangaphandle nge-FPM.

Njengokuba kukho iimarike ezininzi ezikhulayo okanye ezisekuhlaleni , kukho inxalenye yomngcipheko we- geopolitical kunye nomngcipheko wemali yemali ehambelana nokutyalomali eMalaysia.

Ukuxhatshazwa kwezopolitiko zelizwe ngo-2008 kulinganiswe kweli lizwe, ngelixa ilizwe liye laqhuba ukuphungulwa kwemali kwixesha elidlulileyo eliye labangela ukuba utyalo-mali ahlolwe. Imiba yezopolitiko kunye nezokhetho ziyaqhubeka nokubethelela ilizwe kwaye zivelise ukungazinzi.

Ukutshala imali kwi-Stock Market Market

Imali yokuthengiselana ngemali (ETFs) ibonisa indlela elula yokutshala imali eMalaysia.

Ngokubamba ibhasikidi eyahlukeneyo yamasheya, ezi ziqinisekiso zibonelela ngokungafaniyo kwaye zithengwa lula kwaye zithengiswa kwiintengiso ze-US. I- ETF ethandwa kakhulu ukutshala imali eMalaysia yiShares MSCI Malaysia Index Fund (i-NYSE: EWM), efana ne-Index ye-MSCI Malaysia.

Amasheya aseDamerican Receipts (ADRs) abamele enye inxaxheba kubafakeli-mali basemhlabeni wonke abafuna ukuphepha ukutshintshiselana kwamanye amazwe . Ezi nkampani zinokuthengwa njengenxalenye encinci yepottoliyo enkulu. Kodwa abatyali-mali kufuneka baqonde ukuba ezininzi zezi-ADR zihambelana nokungahambi kakuhle kwaye kunokuba nzima ukuthenga nokuthengisa ngexabiso elihle.

Nazi ezinye ze-ADR ezidumileyo:

• IMalay Banking Berhad (MLYBY)
• IGenting Berhad (GEBHY)
• I-Genting Malaysia I-Bhd (GMALY)
• MBf Holdings Berhad (MBFBY)
• I-Tenaga Nasion Berhad (i-TNABY)

Ekugqibeleni, abatyalo-mali bamazwe ngamazwe banokutshala imali kwi-stock exchange exchange-Bursa Malaysia. Ngamaqela angaphantsi kwe-1,000 adibeneyo, ukutshintshiselana ngenye yezona zikhulu kunazo zonke e-Asia kwaye kunika iintlobo ezininzi zokukhetha utsalo-mali. Ukuphazamiseka kukuba abatyali-zimali base-US kufuneka bavule ii-akhawunti zee-brokerage zangaphandle kwaye bangaxhomekeke ekuhlawuleni irhafu yentlawulo yelizwe elingaphandle kwamanye amazwe.

IMaliya Real Estate Investment

Emva kokuphinda uqhube umgudu kwiminyaka emininzi edlulileyo, iMalaysia yenze ukhenketho lwaso lwesithathu lukhulu kuncedisa imali.

Oku kuye kwenza utyalo-mali lwamaxabiso oluthile luhlobo oluthile oluthandwayo lokutshala imali kubanini-mali abaninzi behlabathi . Ngokwe-Global Property Guide, amanani asekhaya aphezulu aphakanyisiwe malunga no-50% phakathi kuka-2002 no-2012, ngelixa i-marhwebo ihlala ikhuphisana kakhulu.

Nangona ezi ziphumo ezilungileyo, kukho iingozi ezininzi ukuba abatyali-mali kufuneka baqwalasele ngenyameko. Urhulumente uzama ukwakha izindlu ezithengekayo kuye kwabangela ukuba kubekho ixesha elidlulileyo, ngelixa kwakukho izithintelo ezintsha ekuthengeni kwamanye amazwe ukusetyenziswa ngexesha lobunzima bezoqoqosho ezaqala ngo-2008. Kwaye ekugqibeleni, imakethi yokuqashisa ihlala isincinane kakhulu kwi-US.

Akukho zininzi ezithengiswa ngabathengi bezindlu ezithengiswa esidlangalaleni ukuba zikhethe, njengase-United States, kodwa abatyali-mali bangathenga impahla ngokuthe ngqo okanye batyalole kwiifenisi ezahlukeneyo zokuphathwa kwepropati.

Iitrakthi ezibalulekileyo zokuTyala eMalaysia

• IMalaysia inomnotho onobuchule kunye noorhulumente wepro-shishini owenze ukuba kubekho indawo enotyalo-mali ekhangelekayo kubatyali-zimali bamazwe ngamazwe.
• Iingxaki zezopolitiko zaseMalaysia ngo-2008 ziye zabangela ukuba abatyali-mali bangamazwe ngamazwe banyathele ngokucophelela kunokuba ngaphambili.
• I-ETF zimelela indlela elula kakhulu yokutyalomali eMalaysia kuninzi lwabatyalo-mali bamazwe ngamazwe, kodwa abatyali-mali banokukhangela i-stock exchange exchange.
• I-Malaysian real estate ingaba yindlela yokutshala imali yokuqwalasela, kodwa qaphela iingxaki ngaphambi kokuba wenze nayiphi na imali.