Ungayichazela Njani Ukuba Ulungiso okanye UCrash?
Yintoni eyenza ukulungiswa? Ngokuqhelekileyo isiganeko esenza ukuthengiswa ngokukrakra.
Ingaba yinto yokugubha. Uninzi lwabatyalo-mali bokuqala luya kuziva ngathi lujoyina i-dash edibeneyo ekuphumeni. Yona yinto engalunganga ukuyenza. Ngoba? Imarike yemasheya yenza ilahleko kwiinyanga ezintathu okanye njalo. Ukuba uthengisa ngexesha lokulungiswa, awuyi kuthenga ngexesha lokulungiselela ilahleko zakho.
Izilungiso zingenakwenzeka. Xa kuthengiswa imarike yemasheya, abatyali-mali bafuna ukungena kwiingeniso. Ikhokelela ekuphumeni okungenangqondo . Oko kwenza amanani entengo ahambe kakuhle ngaphezu kwexabiso lawo. Ulungiso lwenzeka xa amaxabiso abuyela kwizinga elifanelekileyo.
Ukulungiswa Ngokuchasene nokuPhuka
Ukuhlaselwa kwemakethe yemasheya kuqhubeka xa ukuhla kwexabiso lentengo ye-10 kwenzeka ngosuku olulodwa nje. Ukuphazamiseka kunokukhokelela kwimakethe yeebhere . Yilapho imarike iwela enye iipesenti ezili-10, ukwenzela ukuhla kweepesenti ezingama-20 okanye ngaphezulu.
Ukuhlaselwa kwemakethe yemasheya kunokubangela ukunyuka kwemali . Njani? Amasheya ayingxenye yobunikazi kwinkampani.
Imarike yemasheya ibonisa ukuzithemba kwabathengi kwiingeniso ezizayo zeenkampani. Oko kwenza ukuba imakethe yemasheya ibe ngumqondiso wezempilo kwezoqoqosho. Izibonakaliso zokuphazamiseka ukulahlekelwa okukhulu kwezithemba kwizoqoqosho. Ukunciphisa ixabiso lesitokhwe lendawo linciphisa ubutyebi bootyali. Ukuhlaselwa kwemakethe yemasheya kunokuthusa abathengi ukuba bathenga ngaphantsi.
Iimveliso zabathengi ziyinxalenye enkulu kunazo zonke zomkhiqizo wangaphakathi . Bongeza ama-70 ekhulwini kwizoqoqosho.
IiFirms ezingabonakali ziya kugqithisa abasebenzi ukuba bahlale bezityululwa. Njengoko abasebenzi baqeshwe, bachitha imali encinane. Ukuhla kwexabiso kuthethwa ngemali engeniso. Oko kuthetha ukulahlekelwa ngaphezulu. Njengoko ukuhla kwehla kuqhubeka, umnqophiso wezoqoqosho, ukudala uqoqosho . Kwixesha elidlulileyo, ukurhaxiswa kwemakethe ye-stock market kwangaphambi kokuPhukisa koMkhulu , ukunyuka kwemali kwe- 2001 , kunye nokuKhutshwa koMkhulu ka-2008 .
Indlela Yokuzikhusela Ngamhlanje
Kufuneka uzikhusele ngaphambi kokuba amaxabiso aqale ukuwa. Kungenxa yokuba ukuphahlazeka kwenzeka ngokukhawuleza. Ukuzama ukugqiba isigqibo sokuba ngaba ukulungiswa kokuguqulwa kwe-crash kuyaziwa njengexesha lokuthengisa . Kukunzima ukwenza. Kanye xa uqinisekile ukuba ukuhla kweepesenti ezi-5 kuya kuba ngu-10 ukulungiswa kweepesenti, i-marhwebo ivuselela kwaye ihlasele phezulu.
Indlela efanelekileyo yokuzikhusela kwisilungiso iya kukukhusela nakwi-crash. Oko kukuhlakulela iphothifoliyo eyahlukeneyo ngoku. Oko kuthetha ukuxubana ngokulinganayo kweempahla, izibophelelo kunye nezinto eziphathekayo . Izitokisini ziya kuqinisekisa ukuba uzuzisa kwiimveliso zokuthengisa. Izibophelelo kunye nezinto ezikukhuselayo zikhusela ukulungiswa kweemarike kunye nokuphazamiseka.
Umxube othile weempahla, iibhondi kunye nezinto ezibizwa ngokuba yi- asethi yakho.
Kuxhomekeke kwiinjongo zakho zemali. Ukuba awuyidingi imali ngeminyaka, ngoko uya kufuna ukuba nomxube ophezulu wamasheya. Ukuba ufuna imali ngeminyaka ezayo, uya kufuna izibophelelo ezingaphezulu.
Indlela eyona ndlela yokwenza ulwabiwo-mali olufanelekileyo kwiinjongo zakho kukusebenza nomcwangcisi wezemali . Unayo iinkqubo zekhompyutheni ezimisela ukuxuba okulungileyo. Umcwangcisi wakho unokubonisa ukuba amashishini athile, amabhonkco, okanye iimali eziphathekayo ezineengxelo ezibonakalisiweyo.
Xa usuhluke kakuhle, qiniseka ukuba ulinganisela iipotifoliyo zakho ngonyaka. Ngokomzekelo, ukuba iimveliso zenza kakuhle kwaye iifowuni zenza kakubi, iphothifoliyo yakho iya kuba nephezulu yepesenti. Ukungafani, uza kuthengisa ezinye iimpahla uze uthenge amasheya. Okukunyanzela ukuba uthengise iimveliso xa amaxabiso aphakamileyo kwaye uthenge i-stocks xa amaxabiso aphantsi.
Ngeentlobo ezahlukeneyo, uya kuziva uzikhuselekile ukukhupha nayiphina imirhumo yemakethe .
Ukuba ufuna, ungathatha amanyathelo okukhusela. Xa ama-index indiza efana ne- Dow afaka amanqaku aphezulu , thengisa abanye abaphumeleleyo. Yibambe le mali kwi- akhawunti ye-liquid njengeemarike zemali okanye i-Nondyebo. Ukuba ulungiso luyabetha, sebenzisa loo mali ukuze uthenge amasheya athile kumaxabiso aphantsi. Ungasebenzisa ixabiso lentengo yeli dola ukubuyisela ngokukhawuleza emva kokuba imarike iwa ngama-5 ekhulwini, kwakhona kwakhona kwi-10 ekhulwini. Unokuthenga igolide xa i-market market itlungisa. Uphononongo lubonisa ukuba ixabiso legolide linyuka iintsuku ezili-15 emva kokuphazamiseka .
Imbali
Ngokomyinge, imarike yemasheya inezilungiso eziliqela ngonyaka. Phakathi kowe-1983 no-2011, ngaphezu kwesigama sazo zonke iindawo zokulungiswa. Loo myinge ukuya kuma-2.27 ngonyaka. Ngaphantsi kweepesenti ezingama-20 zeekota zonke abafumana i-market yeebhere. Le myinge iphuma kuma-0.72 ngamaxesha ngonyaka.
Ukulungiswa kwe-stock kuninzi kunokuba kuphazamisekile kuba kwenzeka xa uqoqosho lusesesigaba sokwandisa . Kutheni ukuba i-marhwebo ilungile nangona idatha yezoqoqosho iqhubekile? Imarike yemasheya yikhokelo yezoqoqosho ehamba phambili . Abatyalomali bakhangele igalelo elizayo elilindelekileyo ukujonga iingeniso zenkampani. Bathenga okanye bathengise izitokethi ngokusekelwe kwezi zicwangciso. Ngamanye amaxesha abatyali-mali bathemba kakhulu. Bakha i-rally engaphezu kokusebenza kwezoqoqosho. Yilapho imarike iqhubeka yanda. Xa kwenzeka oko, nayiphi na into enokungabaza iyabangela ukulungiswa.
Nangona ixesha elizayo lihlala linethemba, ukuthenga kuya kuqhubeka. Oku kukhokelela kwintengiso yeenkunzi zeenkomo zomeleleyo. Ngamanye amazwi, ukulungiswa kwemakethe ye-stock market kunokunceda imarike yemasheya ibambe umoya wayo kwaye ibetha phezulu.
Uninzi lwezibonelelo zenzeke ngokunyuka kweemakethe zentengiso yeepesenti ezingama-30 okanye ngaphezulu. Yiyo isingqinisiso kunye nesigaba sokutya somjikelezo wezoshishino . Ukuphazamiseka kunokudala, kodwa iziganeko ezinkulu zezomnotho yimbangela ebangela. Yiloo nto eyenza ukuphazamiseka kukuphazamise ngaphezu kokulungiswa.