Zikhusele kwiiMali zeMali
Amacandelo okuHlanganisa
Uninzi lwabatyalomali abasebenzisa izixhobo ezisetyenziswayo.
Ezi zivumelwano zezezimali ezithatha ixabiso lawo kwi-asethi yangempela, njengesitokisi. Unyulo luyisistim esisetyenziswa ngokuqhelekileyo. Ikunika ilungelo lokuthenga okanye ukuthengisa isitoreji ngentengo ecacileyo ngaphakathi kwefestile yexesha.
Nantsi indlela esebenza ngayo ukukhusela kwingozi. Masithi uthenge i-stock. Ucinga ukuba ixabiso liza kunyuka kodwa lalifuna ukukhusela malunga nokulahleka ukuba ixabiso liye linyuka. Uya kubeka loo mngcipheko ngokukhetha . Ngomrhumo omncinci, uyathengela ilungelo lokuthengisa isitoko ngexabiso elifanayo. Ukuba iyawa, usebenzisa i-yakho yokubeka kwaye ubuyisele imali oyibekele yona ngaphandle kwemali.
Ukuchithwa kwesinye isicwangciso socando. Unayo i-assortment ye-asethi engavuki kunye nokuwa kunye. Ukuba enye i-asethi iyawa, awulahlekelwa yinto yonke. Ngokomzekelo, abaninzi abantu banamabhonkco okunciphisa umngcipheko wobunini bempahla. Xa amaxabiso esitokisi awa, ixabiso lesondlo linyuka.
Oku kusebenza kuphela kwiibhonki eziphezulu zamashishini okanye i- US Treasury . Ubungakanani bhonkco e- junk buwa xa amanani esitokhwe enza okokuba zombini utyalo-mali.
IiHedges kunye neHedge Funds
Iimali ze-Hedge zisebenzisa i-derived many to invested investments. Ezi ziqhelekileyo iimali zotyalo-mali ezizimeleyo. URhulumente akawalawuli ngokubanzi njengengxowa- mali yokubambisana nabanikazi beenkampani zikarhulumente.
Iimali ze-Hedge zihlawula abaphathi babo ipesenti yembuyekezo abayifumanayo. Abafumani nto ukuba utyalo lwabo lulahlekelwa yimali. Oku kubangalisa abatyali-mali abaninzi abaxhalabisayo ngokuhlawula iifizi zenkxaso-mali ngaphandle kokusebenza kwayo.
Ndiyabulela kwesi sakhiwo sembuyekezo, abaphathi be-hedge fund baqhutyelwa ukufezekisa ukubuyiswa kweemarike ngaphezulu. Abaphathi abenza iimali-mali ezimbi bangalahlekelwa yimisebenzi yabo. Bagcina umvuzo abawusindisile ngexesha elihle. Ukuba batheba banzi, kwaye ngokuchanekileyo, benza iitoni zemali. Ukuba balahlekelwa, abalahlekelwa yimali yabo. Oko kubangela ukuba kube nzima ukunyamezela. Kwakhona kwenza imali ingenelele kumtyalo-mali, onokulahlekelwa yindleko yokuphila yonke.
Ukusetyenziswa kweengxowa-mali zeHedge zezinto ezivela kumngcipheko wongeziweyo kubume bezoqoqosho, ukubeka isigaba seengxaki zemali ngo-2008 . Abaphathi beeFund bathenga i- credit default swaps ukuze bahlasele ilahleko ezikhoyo ezivela kwi-subprime -backed securities . Iinkampani zomshuwalense ezinjenge-AIG zathembisa ukuhlawula ukuba imali ehlawulwa phantsi.
Le nshurensi yanikezela ngeengxowa-mali imali engqiqo yokhuseleko. Ngenxa yoko, bathenga izibambiso ezingaphezulu kwemali-mboleko kunokuba bulumko. Abazange bakhuselwe emngciphekweni, nangona kunjalo. Inani elikhulu lezinto ezingafaniyo laphazamisa iinkampani zomshuwalense.
Yingakho urhulumente wesigqeba kufuneka akhuphe iibhanki, iibhanki kunye neengxowa-mali.
Ulungelelwano lwangempela kwinkqubo yezemali nguRhulumente wase-United States, oxhaswa ngumandla walo wokuhlawula irhafu, ukufumana ityala kunye nokuprinta imali. Umngcipheko uye wehliswa kancane, ngoku ukuba i- Dodd-Frank Wall Street Reform Act ilawula iimali ezininzi zeentambo kunye neziphumo zabo eziyingozi.
Umzekelo
Igolide yinqaba ukuba ufuna ukuzikhusela kwimiphumo yokunyuka kwamaxabiso . Kungenxa yokuba igolide igcina ixabiso layo xa idola liwela. Ngamanye amagama, ukuba ixabiso lezinto ezininzi ozithengayo likhuphuka, ngoko kuya kuba nexabiso legolide .
Igolide ikhangeleka njengentambo yokulwa nokuwa kwedola . Kungenxa yokuba idola liyimali yehlabathi jikelele , kwaye akukho enye enye into efanelekileyo ngoku ngoku. Ukuba idola laliza kuwa, igolide ingaba yunithi entsha yemali yehlabathi.
Akunakwenzeka kuba kukho ukuthengiswa kwegolide okunjalo. Ixabiso leli dola lijoliswe ngokukodwa kwi-credit, kungekhona imali. Kodwa kwakungekho mandulo kakhulu ukuba ihlabathi lalingumgangatho wegolide . Oko kuthetha ukuba ezininzi iifom zemali zaxhaswa yixabiso lawo kwigolide. Umbutho weGolds njengembumba yemali yeso sizathu sokubamba iqela lokulwa ne- hyperinflation okanye ukuwa kwedola.
Abantu abaninzi banotyale kwigolide nje nje njengentambo yokulwa nelahleko. Uphando lwe-Trinity College yaseDublin lubonisa ukuba, ngokuqhelekileyo, ukunyuka kwamaxabiso egolide kwimihla engama-15 emva kokutshatyalaliswa kwemakethi yemasheya .
IGold ingathengwa njengotyalo-mali oluchanekileyo ukuba ucinga ukuba intlawulo iya kuphakanyiswa, mhlawumbi ngenxa yokuba imfuno iya kwanda, okanye ukubonelela kuya kuncipha. Isizathu sokuthenga igolide asikho umgca.