Yithini ixesha leNtengiso?
Ukufika kweemarike isicwangciso sotyalo-mali apho abatyali-mali bathenga kwaye bathengise izitokethi ngokubhekiselele kwixabiso elilindelekileyo. Ukuba abatyali-mali bayakwazi ukuqaphela xa i-market izakukhuphuka iphantsi, ziyakwenza utyalo-mali oluhambelanayo ukuguqula loo marike inyuke kwinzuzo.
Ngokomzekelo, ukuba umtyalomali ulindele ukuba i-marhwebo ihambe kwiindaba zezoqoqosho ngeveki ezayo, ukuba umtyalo-mali unokufuna ukuthenga i- index ye-market index , ishishini elijolise kwi-ETF, okanye izitokethi ezilindelekileyo ukuba zikhuphuke, ezikhokelela ngeniso. Ngokufanayo, umtyalo-mali unokuthenga izinto ezinokukhetha, izikhundla ezimfutshane, okanye asebenzise amanye amathuluzi amatyala ukuba athathe inzuzo kwiimarike.
Nangona oku kusemgangathweni, kwinto yokuba kubonakala ngathi akunakwenzeka ukwenza umsebenzi ngesiseko esifanayo. Abanye abatyali-mali bawubetha ngokufanelekileyo rhoqo emva kwexeshana, kodwa ukufumana inzuzo ekuphumeni kweemarike ngokuphindaphindiweyo kuyimpipedream for most.
Intengiso inomkhuba wokunyusa
Uphando olutshanje olusuka kuDalbar Inc. lufumene ukuba umtyalo-mali oqhelekileyo wafumana i-5.19 yeepesenti ekubuyiseni ngelixa i-S & P 500 inika i-9.85 yeepesenti ukubuyela ngexesha elifanayo. Abatyalomali abangaphantsi kwemilinganiselo baqhathaniswa neemarike ngenxa yokuziphatha kokunyamekela ngokwemvakalelo, njengokuthenga xa ixabiso lempahla liphezulu kwaye lixhalabisa kwiindaba ezimbi.
"Yithenga phezulu kwaye uthengise phantsi" isiluleko esingafanelekanga sotyalo-mali, kodwa yile nto kanye abatshali-mali abangenalucalulo xa besenza amashishini ngokusekelwe kwiindaba kunye neemvakalelo.
Ukwazi ukuba abanye baya kwenza izigqibo zokutshala imali, ungathabatha inzuzo encinci xa iimarike zingagxininisi kwiimarike zentengiso.
Ngokomzekelo, ngo-2010 izabelo zeBerkshire Hathaway B zahlula i-50 ukuya kwe-1 ukulungiselela ukufumana iBurlington yeNorthern Santa Fe. Nangona ixabiso lentengo lesitokshi alitshintshi kukwahlukana, kwacaca ukuba abatyali-mali abazange bayayiqonda ingqiqo kwaye baya kukhwela ukuthenga amasheya eBerkshi kwixabiso "elincinci" emva kokuhlulwa. Ukwazi ukuba inkokhelo iyanqumla ngosuku lokwahlukana, ndithenge amasheya ngokwam kwaye ndancedisa ukukhokela isikhwama sokutshala imali ukwenza ukuthenga okukhulu ngokuhlwa kwangaphambili. Xa iimarike zivulekile, izabelo zaseBerkshire zenyuka malunga nama-5 ekhulwini kwiimitha zokuqala ezingama-30 zokuthengisa. Le nto yavula umnyango ukuba ndizithengise iiyure ezingama-24 ngenzuzo encinci, kwaye i-fund yabamba izabelo zayo kude kube nzima ukuzuza.
Ukuthatha Iingenelo zeeDafi zeMarike encinci
Ukuxela kwangaphambili ukudibanisa kweemarike ezilandelayo kunokuba nzima kunokuba uphumelele kwi-Blackjack eLas Vegas, kodwa oko akuthethi ukuba awukwazi ukufumana inzuzo xa i-marc dips.
Ngo-2016, iUnited Kingdom yavota ukushiya i-Union Union , i-Brexit. Ngentsasa elandelayo ngoJuni 24, i-Dow yawa ngamanqaku ama-500 ngelixa i-S & P 500 yawa amanqaku angama-58 kwimimiselo embalwa yokuqala yokuthengisa. Nangona kunjalo, ekupheleni kukaJulayi, iimarike ziye zafumana kwakhona kwaye ezinye. Oku bekuza kuba ngumzuzu ogqibeleleyo wokungena, ukuthenga i-fund enkulu yemarike, kwaye uthengise ngenzuzo ekhawulezayo.
Iziganeko ezinkulu zezopolitiko, izibhengezo zezoqoqosho, kunye nokudibanisa imisebenzi kunye nazo zonke zikhokelela ekuthengiseni imarike. Bahlala beziphatha njengoBrexit, banikezela abatyala-mali abanomdla ukuba bavule i-series for trade.
Musa ukubeka onke amaqanda akho ngexesha lokuThengisa iMarike
Ekuqaleni kwehlobo le-2017, i-Amazon yamemezela ukuthengwa kwe-All Foods ngaphezu kwama-dollar ayi-13 yezigidigidi, ezithumela izitokisi ezivela kwi-Costco ukuya kwiKroger kwi-down spiral.
Abatyalomali bakhathazekile kukuba ama-Amazon ayeza kufeza ukufa kokutya kunye nabanye abathengisi ababethelela ezo zibhokhwe zibe zibomvu, kodwa abazange bahlale behlala ixesha elide. Iimpahla zokuthengisa zithe zafumana kwakhona, ezazinikezela abatyala imali ithuba elikhulu phezu komhlaba.
I-Costco stock yawela malunga neepesenti ezingama-13 ngeveki yesibhengezo, eyona nto yayisona sikhundla esona sibi kakhulu ukususela kwi-Recession Great in 2008. Esi sitofu asikafiki kwakhona ngoJulayi. Olu bhetari kwi-overreaction luya kuba lubi. U-Kroger wathabatha umlinganiselo we-$ 30 ngesabelo ngasinye kwi-$ 22 kwiindaba ze-Amazon, esinye isitishi esingasayi kubuyiselwa kwinto yokuqala ebonakala ngathi yintengiso.
Njengoko uyakubona, kukho imingcipheko enkulu ekuzameni ukuthengisa ixesha. Kwezinye iimeko, njenge Brexit, kukho indlela ecacileyo yokufumana inzuzo. Kwezinye iimeko, njengoko kwenzeka kwiAngesi kuthengisa ukuthenga ii-Whole Foods, abatyali-mali abafuna ingeniso kwi-overreaction bashiywe ukulahleka. Ngenxa yokuba kukho umngcipheko omkhulu ekuzameni ixesha kwiimarike, ungalokothi utyalomise ngaphezu kokuba unako ukuhlawula.
Ukuba uchitha ixesha elifanelekileyo, unokuhamba ukusuka kwikarhwebo ngokukhawuleza kworhwebo kunye nenzuzo yondla, kodwa ngezinye iimeko, uya kuphelisa ukulahleka. Ukuba utyalomali kakuhle kwaye unciphisa ukubonakala kwakho, ukufumana inzuzo encinci kwi-ebbs kunye nokugeleza kwimarike yindlela ekhoyo yokufikelela kwimpumelelo.