Indlela yokutshintsha kweMarike yeMakethe ingabandakanyeka njani kwiNgxowa-mali yakho
Xa ukunyuka kwamaxabiso kumanani , ngokuqhelekileyo ukubonakalisa uqoqosho olukhulayo. I-Federal Reserve iphakamisa amazinga omdla wokugcina uqoqosho lukhula ngokukhawuleza okanye lubangele ukunyuka kwindleko yabathengi.
Ukunyuka kwamazinga kudla ngokusasazeka kwithuba leenyanga okanye iminyaka ukuhamba ngokunyuka koqoqosho.
Kubatyalomali, ukunyuka kwamazinga kunokuba nempembelelo enkulu yeepotfoliyo, ngokukodwa kubatyali bemali abafumana imali. Iibhondi kunye neerhafu zenzalo zinxulumano oluphambeneyo; xa amaxabiso aphakama kwithuba elongezelelweyo, amanani e-bonds ayancipha. Ukunyuka kwamazinga kunokuchaphazela ngqo izibophelelo zentsebenzo, kunye nezibophelelo zexesha elide ezinemigangatho yokukhula ukusuka kwiminyaka eyi-10 ukuya kwe-30 ibona iziphumo ezininzi. Izibophelelo zexeshana ezifutshane zingaphantsi kakubi ngokunyuka kwamazinga.
Ukwazi indlela yokulawula iipotfoliyo yakho ngexesha lokunyuka kwamazinga kunokunceda ukunciphisa nayiphina imiphumo emibi.
Yintoni enokuyenza xa iRhafu yeNtengo ihamba
Iqondo elikhulu lokulinganisa, kwixesha elifutshane kunye nexesha elide, linokuchaphazela ngokuthe ngqo ukulinganisela kwi-portfolio yakho. Kwaye, njengokuba uhamba nge-tightrope, ukulinganisela kubalulekile ekuphumeleleni ekutyaleni imali.
Isinyathelo sokuqala kukuqonda ukubunjwa kwepotfolio yakho, kwaye iiklasi zee-asethi ziyakuthi zichaphazeleke njani ngokunyuka kwamazinga.
Ngokuxhomekeke kwindlela iphothifoliyo yakho ehlelwe ngayo, mhlawumbi kufaka iisitokethi, iibhondi, utyalo-mali okanye iimali ezilinganayo kunye ne-propati.
Ngokuqhelekileyo, ukunyuka kwamazinga akunakho ukulungiswa ngokuthe ngqo kumanani amasheya. Kodwa, ukunyuka kwamazinga kusenokuba nefuthe kwiimpahla ezikhoyo kuba amaxabiso aphezulu achaphazela ukuba abathengi bakwazi ukuboleka nokuhlawula amatyala .
Imali kunye namakhadi eemali kuya kuba kubi kakhulu njengoko amaxabiso aphakama kwaye xa abathengi bathatha amanqanaba aphezulu, anokuchaphazela umvuzo wemali engenayo ekufuneka bachithe kwimpahla yabathengi. Xa abathengi basebenzisa imali encinane, oko kunokuchaphazela ngqo imigca ephantsi kweenkampani. Ukunciphisa iindleko okanye ukukhula okuncitshiswa kweenzuzo kunokuchaphazela ukusebenza kwe-stock.
Amacandelo amashishini athile anganceda ngokunyuka kwamaxabiso njengoko acetyisa ukukhula koqoqosho. Amashishini angama-cyclical afana namaziko ezezimali, iinkampani zoshishino kunye nabanikezeli bamandla bavame ukwenza ngcono xa amaxabiso aphakama. Ili candelo le-RUST, elibandakanya ukuzithengiswa kwezindlu, izibonelelo, izixhobo zabathengi kunye ne-telecommunication, ukuba abatyali-mali kufuneka bahlale bejonge xa amaxabiso eqala ukunyuka. Indawo yokuhlala, ngokukodwa, iklasi yexabiso lokubukela, njengoko ukunyuka kwamazinga kunokunyuka ekhaya-ukuthenga ukufikelela kubantu abathile ababolekayo. Ngexesha elifanayo, ukunyuka kwamaxabiso kunokuba yintlonelo yabanikazi bepropati yokuqeshisa, abanokukwazi ukuhlawula ixabiso lerenti ephezulu xa ixabiso lokuqashisa lihlala liphezulu.
Iibhondi ziyakwazi ukufumana impembelelo engxamisekileyo echaphazelekayo enxulumene namazinga akhula. NgoNovemba 2017, umzekelo, kwakukho inyanga edlulileyo kwiibhondi ngaphezu kweminyaka elishumi.
Kodwa, kubalulekile ukugcina imiphumo yokunyuka kwamazinga kwiimbopheleleko ngokufanelekileyo. Amasheya, ngokuthelekisa, anokukwazi ukuxhamla ngakumbi kunezibophelelo. Xa imarike yenkomo eqhubekayo iqala ukukhangela, iibhondi zinganika inzuzo engaguquguqukiyo kwaye zinciphisa ukunyanzeliswa kwesikhothifoliyo kwixesha elide. Kwixesha lokungaqiniseki, njengenguqu yezoqoqosho emva komnyulo okanye ukuhamba kwemithetho yerhafu entsha okanye iirhafu, iibhondi zingabonakalisa ngakumbi abatshali-mali abachaphazelekayo malunga nokulungiswa .
Ukuba unayo imali ephothifoliyo yakho, njengezatifikethi zediphozithi, i-akhawunti yokulondoloza amanzi okanye iimpahla zemarike zemali, ukunyuka kwamazinga kuthetha ukubuyiswa okuphezulu kwi-investment yakho. Njengoko iirhafu zikhuphuka, iibhanki zivame ukunikela ngezinga eliphezulu ngokufanayo kwi-akhawunti ye-deposit. Ngokuqinisekileyo, ukubuya kwezo mali-mali ngokuqhelekileyo kuncinci kakhulu kunembuyekezo ehambelana nezitokiselwano okanye iimali eziphathekayo, kodwa awucingi inqanaba elifanayo lomngcipheko njengoko unako kwisitokisi.
Ngaphantsi
Impendulo yendlela omele utyalomali ngayo xa ixabiso lomyinge liphakama lilula: kufuneka utyane ngendlela efanayo kufuneka uhlale utyalo-mali . Oko kuthetha ukukwakhela iipotifoliyo ezahlukahlukeneyo ezenziwe ngama-stocks, iibhonksi, imali kunye neemali zemali eziza kukuhlawulela imali ngenzuzo kunye nokuhla kweemarike kunye noqoqosho jikelele. Ukuzama ukuchitha ixesha kwimarike okanye ukuqikelela ukuba yeyiphi indlela eya kuhamba ngayo umzamo oswelekileyo; into engabonakaliyo abatyalo-mali abanokuyenza ukuyilawula iiposfoliyo zabo ukwenzela ukunciphisa umgangatho ongaphantsi kunye nokwandisa ukuhlaselwa kwimivuzo njengenqanaba lentengo kunye nokuthengiswa kwemarike. Ukuchithwa kweyona ndlela yindlela efanelekileyo yokuyenza loo nto-kungakhathaliseki ukuba iirhafu zihambela ixesha elifutshane okanye elide.