Ukuchithwa kwamazwe ngamazwe kunokunceda ingozi ephantsi, phucula ukubuyisela
Abatyalo-mali bangathanda ukucinga ngokunyusa ukunyuka kwamazwe ngamazwe , ngokukodwa xa i-market stock market ithengisa kwixabiso eliphezulu lemali-mali.
Kutheni Kutyala imali kwiiMarhwebo zangaphandle?
Abatyala-mali abaninzi bajonga kuphela iintlawulo ezipheleleyo xa kuhlolwa utyalo-mali oluhlukeneyo. Ngokomzekelo, unokuqhathanisa imali emibini yokubambisana ngokusekelwe kwindlela abayenzayo ngayo kwixesha elidlulileyo eli-1, 5, ne-10 leminyaka kwaye ukhethe i-fund yekhwalithi engcono kakhulu kwiipotfoliyo zabo.
Ingxaki ngale ndlela kukuba iyayigcina ingozi . Ngokomzekelo, i-120 yeepesenti-mali-mali-mali ebuyela ngonyaka angabonakala enkulu-ude ubone ukuba batyalwe imali kwi-stocks stocks! Umtyalo-mali unokufumana unyaka ohluphekileyo xa kuqhubeka ukukwenza ezo ntlobo zotyalo-mali. Kufuneka ubeke ingqalelo ekubuyiseni kwimivuzo ejongene nobungozi kwaye uqinisekise ukuba iphothifoliyo yakho ayifumaneki ukungazinzi okukhulu.
Ngokutsho kweVanguard , abatyali-mali abanesabelo se-20 kwii-equity equities bafumana ama-70 ekhulwini kwintlawulo enkulu yezohlukeneyo ngelixa labo abanesabelo sepesenti ezingama-30 babenama-90 ekhulwini kwi-diversification.
Kukho neenkhathi eziliqela kulo lonke iimbali apho amazwe ngamazwe athabatha i-slack kwimakethi yase-US, njengama-middle-1980, ngasekupheleni kwee-1970, nakwiminyaka-2000, ekuphuculeni ukubuyiselwa kwemali-kungekhona nje ingozi.
Kutheni Kufuneka Udibanise Xa Amasheya Ephakamileyo?
I-Vanguard ifumene ukuba i-ratios-earnings ratios ziye zaba yimbonakaliso kuphela yentsingiselo yexesha elide, kubuza malunga neepesenti ezingama-40 zexesha elizayo leminyaka eyi-10.
I-Star Capital yaqinisekisa kwakhona ukuba le nto yimeko ye-16 nezinye iimarike zamashishini ngamazwe ngamazwe. Amanani ama-price-earnings ane-inverse okanye ithetha-ukubuyisela ubudlelwane kunye nokubuya kweemakethe zesikhokelo esilandelayo, okubenza kube luncedo xa kuhlaziywa amathuba anokwenzeka.
I-United States iye yathengisa kwi-premium ehamba phambili kwilizwe lonke kule minyaka elishumi edlulileyo, okungenzeka ngenxa yolawulo oluqinileyo, umthetho wolawulo kunye nezinye izinto. Kodwa, kukho amaxesha apho imarike yase-US ithe yahweba kwi-premium enkulu kakhulu kwiimarike zehlabathi. Ngethuba la maxesha, abatyali-mali bangathanda ukucinga ngokunyusa ukwanda kwabo kwiimali-mali zamazwe ngamazwe ukwenzela ukuba zithintele ukutyekela ukutshintsha.
Xa uhlalutya i-ratios-earnings ratios, umlinganiselo we-P / E ulinganiswe ngokukhawuleza-okanye u- CAPE- udlalwa ukuba ngumlinganiselo ochanekileyo. Umlinganiselo we-CAPE amanyathelo okufumana inzuzo nganye kwisithuba seminyaka eli-10 ukulungelelanisa ukuguquka kweenzuzo ezivela kumaxesha ahlukeneyo omjikelezo wezoshishino. Oku kuvelisa umlinganiselo ochanekileyo ngakumbi wokuphindaphinda kwamanani ngaphezu kokusebenzisa umlinganiselo wexabiso lentengo kwixesha elithile ngexesha.
Iindlela ezigqwesileyo zokuThuthukisa kwamanye amazwe
Kukho iindlela ezininzi ezahlukahlukeneyo zokwenza utyalo-mali kwihlabathi lonke, kodwa iimali ezithengiselana ngemali-mali (ETFs) kunye neengxowa-mali zobudlelwane zizinto ezilula.
Ngokubanzi, abatyali-mali bangafuna ukuqwalasela le mali njengeendlela eziphantsi kweendleko zokudibanisa nokuthenga iipotifoliyo ze- American Depositary Receipts (ADRs) okanye izitokhwe zangaphandle. Kwakhona kubalulekile ukhethe imali ngeemali eziphantsi kweendleko ukwenzela ukwandisa ukubuya kwexesha elide.
Abanini-zimali abaphethe imali ye-S & P 500 bangathanda ukucinga ngokufaka i-index index yezizwe kwii-portfoliyo zabo. Umzekelo, i-Vanguard ye-FTSE Yonke-yehlabathi yase-US ETF (i-VEU) inamalungelo angaphezu kwe-1 ahlukeneyo e- Yurophu , e-Asia-Pacific kunye nase- Asia . I-iShares Core MSCI Iyonke ye-ETF ye-Intanethi ye-International (IXUS) yenye inketho ebamba ama-4,000 amanyathelo kwiindawo ezifanayo ngokubhekiselele kakhulu kwiMntla Melika (Canada).
UVanguard uncoma ukuba abatyali-mali baqwalasele ukunika ipesenti ezingama-20 ukuya kuma-40 eepesentiliyo zabo kwii-equity international.
I-firm notes ithi le mali kufuneka isekelwe kwiimali zentengiso yehlabathi jikelele kumazwe angamazwe ngamazwe, okwangoku ama-50 ekhulwini. Okokuthi, ukuba amazwe angamazwe ngamazwe akhula kwi-akhawunti yesabelo esiphezulu semali yentengo yemarike yonke, ngoko kufuneka ukwandise ukufikelela kwabo kumazwe ngamazwe.