Khusela i-Portfolio yakho kwiiNgxowa-mali zangaphandle
I dollar yase-US ibe ngumdlali onamandla ngexesha lesigqithi sokuqala sika-2015, njengoko amazwe aseYurophu nakuma-Asia asetyenzisile okanye aqhubeka nemikhankaso yokwenza lula. Enyanisweni, idola lase-US liye laphakama eliphakathi kwe-10% ngokumalunga neengxowa-mali zangaphandle kwikota yokuqala ka-2015 yodwa, eye yachaphazela kakhulu iipotfoliyo ezininzi zokutsalwa kwehlabathi. Ezi zintlukwano ziye zaqhutywa yinkqubo enamandla yoqoqosho lwe-US.
Kule nqaku, siza kujonga indlela abatyala-mali behlabathi abanokubeka ngayo iiphothifoliyo zabo ukuze bazuze kwi-dollar eqinile yase-US.
Impembelelo yeDollar eqinile
I-dollar eqinile yase-US inempembelelo embi kwi-asethi ase-United States kwiimpahla zelizwe langaphandle, kuba abatyali-mali bafumana iidola ezimbalwa ze-US ngokutshintshwa kwexabiso le-euro okanye ezinye iirhafu. Enyanisweni, ezininzi iinkampani ezinkulu zase-US ezinokuthengisa ngokuthe ngqo kwamanye amazwe amava amanqabileyo ayancipha kwinzuzo yabo ngenetha ngenxa yokulinganisa okuphezulu kwedoli yase-US. Ukukhula okuncinci kwemali kunye nemali engenayo kungakhokelela ekuhlalisweni kwexabiso elincinci, ngokukodwa kwimigangatho yokukhula.
Ukongeza kwiimpembelelo ze-microeconomic, i-dollar eqinile yase-United States ngokuqhelekileyo ithetha ukuba iirhafu zemali ziya kuhlala ziphakamileyo e-US xa kuthelekiswa namanye amazwe amaninzi. Iirhafu zemfundo ephezulu zihlala zidibaniswa nokusebenza kweemakethe ezantsi, njengoko zandisa izindleko zentengo kubarhwebi kunye neenkampani.
Imilinganiselo ephakamileyo yamanqanaba ayimbi nakwiimbopheleleko, kuba intengo kunye nesivuno kuyahlukana, okwenza ukuba kuphumele iipotifoliyo ezinxulumene nezibopho.
Ukukhusela Ukulahleka
I-dollar eqinile yase-US ithathwa njengoluhlobo lomngcipheko lwemali lwabathengi bezizwe-oko kukuthi, umngcipheko ovela kwimilinganiselo yemali.
Ezi ngxaki zemali zichaphazela zonke iintlobo ezahlukeneyo zophuhliso lwangaphandle, kubandakanywa amanani, amabhondi , amaRiphabliki aseMelika ("ADRs"), kunye neengxowa-mali zokuthengiselana ngamazwe ngamazwe ("ETFs") kunye neemali ezihlangeneyo . Ngenhlanhla, abatyalo-mali bamazwe ngamazwe abanakho ukhetho xa behlaselwa ngengozi.
Kukho iindlela eziliqela zokukhusela ingozi yemali:
- Ii-ETFs zamazwe ngamazwe angamaHlabathi - Ezinye ii-ETF zasemhlabeni ziye zabhalwa kwiindawo zokungqubuzana nokunyuswa kwemali yangaphandle ngokusebenzisa i-swaps nezinye iziphumo. Kule meko, abatyali-mali baya kuthatha inxaxheba kuyo nayiphi na indawo engaphandle ngaphandle kweengozi ezinxulumene nokuguqulwa kwemali yangaphandle kwiidola zase-US.
- I-ETF nee-Swaps ze-Forex - Abatyalo-mali belizwe lonke bangathatha iindlela ezithe xaxa ngokutyalomali kwi-ETFs phambili (abo babamba iibhasikidi zeemali) okanye ngokuthenga iirhafu zangaphandle ngqo kwiimarike zangaphambili ngokusebenzisa i-swaps okanye amanye amashishini. Kuyafaneleka ukuba uqaphele, nangona kunjalo, ukuba ezi zicwangciso zivakala kakhulu.
U mngcipheko
Iingxowa-mali ziyanqabile kwaye kunzima ukuqikelela kwixesha elifutshane neliphakathi, ngelixa ixesha elide lingenakuqinisekiswa kwezinye iimeko. Ngokuphindaphindiweyo, ukukhula koqoqosho kuya kubangela ukunyuka okanye ukuwa kwamazinga omyinge, kodwa ukungenelela kwemigaqo-mali kungabangela iindleko ngeendlela ezinzima ukuqikelela ngokuqinisekileyo.
Ngenxa yoko, abatyali-mali bexesha elide banokufuna ukucinga kwakhona ngokukhawulela iiphothifoliyo zabo kwiingozi ezithile zemali kwezinye iimeko.
Umcimbi wesibini kunye nobungozi bezemali zokuhlawula ngukuthi bahlinzeka ngento ehlukeneyo kwipotifoliyo. Emva koko, idoli eqinile inokunceda imali-i-ETF eneenqwelo-mali, kodwa i-dollar ebuthakathaka iya kubaphatha kakubi, xa kuthelekiswa neontanga zabo ezingenakulinganiswa. Abatyalomali bamazwe ngamazwe abangenako ixesha lokungabikho komngcipheko wemarike ekulahlekisweni kwamathuba okunciphisa kwimeko apho idoli yase-United States ibuthathaka ngokukodwa okanye ngebhakethi yee currenti zangaphandle ngokuhamba kwesikhathi.
Isiphelo
Abatyalomali bamazwe ngamazwe bafuna ukuqwalasela i-ETF okanye ii-forex zixhobo xa i-dollar yaseYurophu iqinile ukwenzela ukukunceda ukuphucula imbuyekezo yehlabathi. Ngokuqinisekileyo, umngcipheko kukuba baya kukwenza ixesha lokuthengisa ngokungekho mthethweni baze baphephe ukuthatha ilahleko ezilahlekileyo.
Abatyalomali bexesha elide banokufuna ukunamathela kwi-ETF engahlambulukanga ukuze balondoloze ukuhlukahluka kwaye bayeke amathuba okuthungela abathengisi abachaphazelekayo nabachalo-mali abajongene ngokuthe ngqo kwiimarike.