Inkcazo ye-Inflation, Kutheni ibalulekile, kunye nendlela yokufunda ngakumbi malunga nayo
Inkcazo yemali
Ngenxa yokuba le yindawo ekujoliswe kuyo ukutyalo-mali ukusuka kwimbono yomqali, ndiza kubhala malunga nokunyuka kwamaxabiso kungekhona nje ngengcamango yezoqoqosho kodwa njengento esetyenziswayo, esetyenziswayo kwimiba yomnini-potifoliyo.
Ngaloo lensi, ukunyuka kwamaxabiso kubhekisela kwiyunithi yexabiso lemali elithintekayo kwixabiso ukwenzela ukuba kuthathe iinqununu ezininzi zeemali ukuthenga inani elifanayo lempahla kunye neenkonzo njengokuba zenzile ngaphambili. Nangona abatyali-mali abaninzi beyiqonda le nto, bayayifaka kwi-intloko kwaye, endaweni yoko, babhekisela kumgangatho wokunyuka kwamaxabiso njengenyuka kwiindleko zezinto eziyimfuneko ukuba abantu baphile kwaye banandiphe ubomi, ezifana nesonka, ibhotela, ubisi, ushizi , ikofi, ioli, indawo yokuhlala, izambatho, iinkonzo zonyango, inkukhu, ikotoni, i-electronics, i-shampoo, kunye nezigulane zamagcisa.
Ngamanye amazwi, ukunyuka kwamaxabiso yintlobo yemali yakho yokuthenga izinto ezingaphantsi.
Ixabiso leMithatho-mali lilinganiselwa njani?
Ixabiso lokunyuka kwamaxabiso lilinganiselwe ngokusebenzisa into eyaziwa njenge-index inflation.
Inkcazo eyaziwayo kakhulu yokunyuka kwamaxabiso e-United States yi- Index Index Price , eyona ibhasikidi yempahla efana nekhofi, isambatho, njl. I-US iye yafumana amanqanaba angaphantsi kwexabiso elingaphantsi kwelo lonke ihlabathi, kwi-3% ukuya kuma-4% ngonyaka ngonyaka wamashumi ambalwa adlulileyo. Zininzi izimbangela eziyinkimbinkimbi zezi, kuquka ukusetyenziswa kweDola ye-US njengelizwe lokugcina imali.
Kukho Iingxaki ezimbini ezibalulekileyo zeMithatho-mali kwaye Ziziphi iimpembelelo kubaTyalo-mali?
Olunye u-inflation lubangelwa ngenxa yokuba ilizwe liprinte imali eninzi okanye inhlekelele yezemali, okubangela ukuba imali yayo iqhube.
Eminye imithombo yokunyuka kwamaxabiso inokuba yimpembelelo ephakamileyo okanye iindleko zokuthutha ezifana negesi, okwenza kube kubi kakhulu ukuthunyelwa okuhle kwiivenkile zokuthengisa, ukunyuka kweendleko kubaxhasi. Abathengi, bafumana ixesha elinzima ukufaka izinto ezifana nephepha zangasese, i-toothpaste, i jeans, iphepha, imoto, izibane, ifenitshala ... ufumana ingcamango. Ngeli xesha, abathengi bafuna ukuhlawulwa kweentlawulo kwiinkampani zabo, mhlawumbi ukunyanzeliswa kweenzuzo ngaphezulu, ezinokubangela ukwanda kwexabiso lentengo, kwaye umjikelezo uqala. Yilapho i-economics ithi ukunyuka kwamaxabiso kuye "kwahlanganiswa" kwezoqoqosho. Ukufumana ulwazi oluthe vetshe, funda inqaku elithini elibangela ixabiso eliphezulu lokunyuka kwamaxabiso? , apho ndihamba nawe kwimithombo emibili yezinga eliphezulu lokunyuka kwamaxabiso ngokubanzi.
Ungaphinda ufune ukufunda, Ziziphi Iimiphumo Zemali? ukuqonda indlela ukunyuka kwamaxabiso okulimazayo kungalimaza ngayo, okanye kwiimeko ezithile, uncedo, umnatha wakho. Ingxelo yokugqibela ndiyichukumisa ngokucacileyo kwinqaku elibizwa ngokuba yiNzuzo evela kwi-Inflation apho ndichaza indlela ezithile iintlobo zamashishini ezinomlinganiselo othile wokukhuselwa kwendalo, ukuvumela ukuba ugcine amandla akho okuthenga xa utyalomayo.
Nangona kungenjalo kunokwenzeka, iifemu ezithengisa izinto ezifana negama legama le-cornflakes okanye i-powder baby - cinga i-Kellogg okanye i-Johnson & Johnson-enexesha elilula kakhulu elidlula kumaxabiso aphezulu kubathengi kunye nokubuyisela utyalo-mali. Ngokuqhelekileyo, kodwa kungekho rhoqo, ezi fisi nazo zinezibhakabhaka ze-blue, ezinamanye amancedo, ngokunjalo .
Enye yeengozi ezinkulu zexabiso lokunyuka kwamaxabiso ukusuka kumbono wongomali-mali unesitokethi esilungeleyo sokufumana imali, njengezibophelelo. Xa uboleka imali ixesha elide, ukhawuleza ukukhawulelana nemali yemali apho loo mboleko ihlanganiswe khona. Oku kuthetha ukuba iibhanki zakho zebhanki zenkampani , izikhundla zezibhambathiso zikamasipala , kwaye, nakwinqanaba elincinci, izatifikethi zakho zokupaka kunye neemarike zemali zilahlekelwa ukuthenga amandla kunyaka ngamnye odlulayo, nangona kubonakala ngathi unamadola angaphezulu kwimali engenayo.
Oku kungenza kube nzima ukugcina imali ngokukhuthaza abatyalomali nabathengi ukuba bachithe imali ngoku njengoko ubutyebi babo bethenga iimpahla ezincinci nangaphantsi kwexesha. Ingabangela ukuba abatyali-mali benze iimpazamo ezingabonakaliyo, bathatha ingozi enkulu njengoko befuna amathuba aphezulu okubuyela ekugqibeleni ekukhokelela ekulahlekeni okukhulu.
Kukho izisombululo ezimbalwa ezinokubakho kwi-investor engeniso kulo mzekelo. Enye inketho kukuthenga i- Series I iimbophelelo zokugcina . Ezi zibophelelo ziqinisekisiwe nguRhulumente waseUnited States ukuba angaze alahlekelwe yimali kwaye inzala yenzalo isekelwe kwimilinganiselo ehleliweyo kunye nexabiso lokunyuka kwamaxabiso elitshintshayo njengoko amanani akhula okanye ahla. Olunye utyalo-mali olufanele ukucatshangelwa lubizwa ngokuba yi-TIPS okanye, "Imali-mali yokuVimba kweMali-mali". Ezi ziintlobo ezikhethekileyo zee-Bonds ze-US Treasury ezihlalutya ixabiso lokukhula lokunyuka kwamaxabiso kunye nokuchaswa ngokusekelwe kwiinguqu kwiIndleko yabathengi.
Funda ngakumbi malunga ne-Inflation kunye ne-Investment yakho
Ukuze ufunde kabanzi malunga nesi sihloko, funda iNkcazo ye-Investor entsha kwi-Inflation kunye ne-Inflation Rate , ekhethekileyo ephendula imibuzo efana nale:
- "Yintoni Imiphumo?"
- Yintoni ebangela ixabiso eliphezulu lexabiso lemali?
- Ziziphi Iimiphumo Zemali?
- Yintoni Ikhompyutheni Yexabiso?
- Kutheni singaboni ixabiso lentengo, kunjalo?
- Ndingayilinganisa njani ixabiso leMiphumo yexabiso eliLindelekileyo?
- Kwaye ngakumbi!
Ngokuqinisekileyo siyihloko ekhangayo kwaye iya kuba yinto ebalulekileyo kwakhona, ekugqibeleni, nangona kubonakala ngathi iyimemori ekude okwangoku. Kuyamnandi ukufunda iindlela zokuhlalutya ezahlukeneyo, ezifana nendlela yokuqikelela ukulinganiselwa kwexabiso lentengo ngokuhlola i-Treasury Bond kunye ne-TIP Spreads . Kwimi, njengomntu othakazelisayo ukhetha utyalo-mali lwangexesha elide, ndivame ukukhetha amashishini asemgangathweni aphakamileyo abuyele kwixabiso eliphezulu kunye namandla anqabileyo entengo. Kukho konke okusemandleni ukunyuka kwamaxabiso angabulala iindleko zezoqoqosho zabatyalo-mali abanoba neengxenye zesitya sesimbi. Ngakolunye uhlangothi, akunakwenzeka ukuba nefuthe elibi kakhulu kubanikazi beenkampani ezifana noMcDonald's, Diageo, okanye iKoca-Cola.