Nokuba uphenjelelwa ngokusondeleyo ziimalike zezemali okanye hayi, eli nqaku lizakuzisa ukugodola phantsi komqolo wakho emva kokwazi ukuba kuqhubeka ntoni.
Iimarike zehlabathi zopha zibomvu. Iingxelo zithi malunga ne-11 yeebhiliyoni zeedola ilahleko kwiimarike.
I-S&P 500 yehle nge-19 enkulu. I-NASDAQ, edumileyo kwi-tech-heavy stocks, yajongana nengqumbo ngakumbi njengoko iye yehla ngaphezulu kwe-28%.
Iimarike ze-crypto zawa njengemvula kwaye zehla ngaphezu kwe-50%. I-Luna (Iprojekthi ye-cryptocurrency) yehle ngaphezu kwe-99%.
Ewe, yile nto yenzekayo ehlabathini, kwaye uyikholelwe, okanye hayi iimpembelelo zale ngozi ziya kukuchaphazela kakhulu.
Ndiza kuzama ukudiliza le meko yangoku yemarike, ukufana kwayo kunye nokudodobala koqoqosho kweGlobal okudlulileyo, kunye nendlela onokuyibetha ngayo ngezona ndlela zibalaseleyo.
Ke, masitsibe kuyo size sibone ukuba kwakutheni ukuze kwenzeke ingozi enjalo kwasekuqaleni?
Kutheni iiMarike zeHlabathi ziPhantsi?
Akukho nasinye isizathu esizise uxinzelelo olukhulu kangaka lwentengiso kwihlabathi jikelele. Ngeziganeko ezininzi eziqhubekayo kwihlabathi lonke ngaxeshanye, iimarike kwafuneka zihle ngenye imini.
Kodwa nazi ezinye zezizathu ezikhokelele ekuphalazweni kwegazi kwiimarike zemali.
1. I-Inflation Spike e-US
Ukwesaba ukunyuka kwamaxabiso kwabonakala ngokucacileyo ixesha elithile e-US, kwaye ekugqibeleni kwenzeka. Isalathisi sexabiso loMthengi (CPI) yindlela yokulinganisa isantya sotshintsho kwixabiso lempahla kunye neenkonzo kwixesha elithile.
Amaxabiso eempahla kunye neenkonzo ziye zanyuka kwaye ukufundwa kwe-CPI ngenyanga ka-Apreli kunyuswe nge-8.3% ngonyaka, inqanaba abathengi baseMelika abalibonileyo okokuqala ukususela kwi-1980s.
Oku kunyuka kothusayo kokunyuka kwamaxabiso kunokuqhubeka nokulimaza iimarike ukuba azihambelani nemivuzo ephezulu. Ide yanefuthe kwiinkampani njengoko iindleko zazo zinyuke kakhulu.
Nangona umthamo wokufumana unyukile, imida yenzuzo iya icutheka, kwaye ke, ichaphazela iimarike ngokuthe ngqo. Konke oku kuphazamisa ngokuthe ngqo ukuzithemba kwabathengi, okubonakaliswa kwizabelo zeenkampani zoluntu.
2. Ingxaki yeMfazwe yaseRashiya-Ukraine
Iimakethi zehlabathi zazisele ziqalisile ukuhlangana ukuze zifumane amaxabiso amatsha emva kokubamba ubhubhane xa uPutin wagqiba kwelokuba amoshe yonke into kwakhona. Uhlaselo lwaseRussia lwaseUkraine luye lwaba sisiganeko esiphambili ekuweni kweemarike ezinkulu zemali.
I-Russia ingenisa malunga ne-10% yeoli yehlabathi, kwaye imfazwe yazisa izitenxo ezininzi kurhwebo. Njengoko i-European Union kunye ne-US ibeka ukuvalwa kokungeniswa kwe-oyile yaseRashiya, amashishini aqala ukuchitha imali eninzi kwezothutho njengoko amaxabiso eoli ayenyuka ukuya kwixesha lonke.
Oku kudale ukuwa okuthe gqolo kokukhula okulindelweyo kunye noqikelelo lwengeniso, okubangele ukuhla kwamaxabiso esitokhwe.
3. Feds Action kumazinga enzala
IFederal Reserve yaseUnited States yeza nemigaqo emininzi yokujongana nokunyuka kwamaxabiso okothusayo kweli lizwe. Ukugcina i-2% yokunyuka kwamaxabiso kwixesha elizayo, i-feds inyuse inzala nge-0.5%. Le yeyona nto inkulu yokunyuka kwenzala ukususela ngo-2000, kwaye umphumo ubonakala ngokucacileyo.
Nangona amaqondo enzala ayenzelwanga ukutyhala i imakethi yesitokhwe, yenza umonakalo kwizabelo zamashishini ezingenanzala emisiweyo.
Njengoko inzala inyuka, iinkampani zidla ngokuchitha imali encinci, nto leyo ebangela ukwehla kwesantya sokukhula koqoqosho. Ngaloo ndlela, ichaphazela amaxabiso esitokhwe ngokuthe ngqo.
4. Ukuphazamisa ikhonkco lonikezelo
Ubhubhani we-COVID-19 wonakalise uqoqosho lwehlabathi, kwaye impembelelo yawo isabalasele kakhulu. Amakhonkco obonelelo nawo achaphazeleka kakhulu ngenxa yobhubhane kunye nokuvalwa kwehlabathi kulandelayo.
Iinkampani ezinkulu ziye zanengxaki yokunqongophala kweemveliso njengoko imveliso yanqumama. Oku kubangele ukungabikho ngokwaneleyo kweemveliso ukufezekisa iimfuno kunye neemfuno zomthengi.
Konke oku kunciphisa inzuzo yenkampani kwaye kubangele ukuwa kwamaxabiso ayo.
5. Ukuwa okukhulu kweTshayina kwiMveliso
I-China lilizwe lesibini ngobukhulu kwihlabathi kunye nelizwe elinabasebenzi abaphantsi. Iinkampani ezininzi ezinkulu ezifana neApple kunye neTesla ziseke iiyunithi zazo zokuvelisa elizweni.
Njengoko ubhubhani uphinde wabetha ilizwe, ikhonkco lobonelelo lwelizwe liphinde labetha ngamandla. Oku kubangela ukunqongophala kobonelelo, okonyusa amaxabiso eemveliso.
Ngaba le yiBubble yeDot Com 2.0?
Lo ngumbuzo okhathaza wonke umtyali-mali ngoku. Ndifumene iinyani ezinomdla ngokwenene ukuxhasa le ngxelo, kwaye yile nto ndiyifumeneyo.
Ngokufana neqamza le-dot com, xa yonke inkampani eyongeze ".com" kwigama layo yabona impumelelo yasebusuku, izinto zenzeke ngendlela efanayo nge-cryptocurrencies kunye ne-DeFi.
Njengoko kudume ukuba imbali ayiphindi isithathu okanye isine, kodwa inemvano-siphelo. Oku kusenzeka mva nje.
1. Ii-Indices ezifanayo
Kukho kwakhona intshukumo efanayo kwii-indices ze-2022 kunye ne-2000.
Ukulungiswa kwemarike asiyonto inqabileyo, kodwa ukulahla okukhulu ngexesha elifutshane ayisiyonto eyenzekayo rhoqo kusasa. Ingozi ye-2000 ibone ukuphahlazeka okungaphezulu kwe-80%, okuthe kwabuyisela i-NASDAQ kumanqanaba e-1996.
Ngokukwanjalo, i-post-COVID-19 yonyuso yabona inkunzi enkulu yenkomo ibaleka kwimarike, kodwa njengoko kwaqala ukulungiswa izinto ezine kunye nezinto ezahlukeneyo ezingalunganga zabetha umhlaba, kubonakala ngathi zisebenzisa zonke iimpompo njengoko iNASDAQ iphantsi ngama-30% kumcimbi iinyanga.
2. Amazon & Netflix's Bubble
Njengamaxesha eDotcom, njengoko ubhubhani we-Covid-19 wehla, iingxilimbela zetekhnoloji ezinjengeAmazon kunye neNetflix zanyusa imveliso yazo. Ngotyalo-mali olunzima ukuhlangabezana neemfuno zabathengi kunye neemfuno, zonke iinkampani zobugcisa zibonakala ngathi zisebenzisa imali eninzi kwaye ziqeshe ngaphezulu.
Isiphumo sibonakala ngokucacileyo kwiitshathi ezingezantsi.
As Netflix ingxelo, ilahleko yababhalisi okokuqala, kwaye Amazon bayaqhubeka nokujongana nezaziso zomthetho kwihlabathi liphela, babonakala befunxa yonke i-boom abayenzileyo kunyuso lwe-post-covid.
IAmazon, ebeliphindaphindeke kabini ixabiso layo kwiinyanga nje ezine, yehle ngama-40% kwiinyanga nje ezintathu. Ngelixa iNetflix, ebikwinkunzi yephupha ibaleka iminyaka, yantywila echibini ngengozi ye-73% kwiinyanga ezi-5.
Isizathu ngokungathandabuzekiyo kukuqeshwa okungaphezulu kunye nelahleko yeenkampani ezithe zalandela. Le meko iphinda-phinda iqamza lechaphaza le-com.
Nangona kunjalo, nangona kukho ukufana okuthile, imeko yangoku ayifani ncam neqamza. Ngaphandle kwamathandabuzo, ezinye iinkampani zixatyiswe ngokugqithisileyo, kodwa zixatyiswa kufutshane nexabiso lazo elisengqiqweni njengoko zibonisa ukwanda okunokwenzeka kokukhula.
Ukuba ubathelekisa noontanga babo ngo-2000, ke babekwe ngcono kakhulu. Ulungiso oluphezulu luye lwazisa zonke iingxilimbela zetekhnoloji zilumkile njengoko ziqhubeka nokuphanda nokuphuhlisa inzuzo yazo. Kucace gca ukuba bazazi kakuhle iimpazamo zabo zangaphambili, yaye ngesi sihlandlo baya kuqinisekisa ukuba abaweli babe ziingceba.
Yintoni elandelayo kwiiMarike?
Akukho mntu unako ixesha leemarike. Kuninzi okusemngciphekweni ngelixa uzama ukuqikelela intshukumo yayo elandelayo. Nangona kunjalo, kungcono ukukhuseleka kunokuthatha ingozi enkulu.
Imeko yangoku ingqina ukuba eyona nto imbi ngelishwa ayikapheli. Ngohlaselo lwaseRussia lusaqhubeka, iimarike zehlabathi ziyaqhubeka nokoyika. I-Feds ibonise ukuba ukunyuka kwamaxabiso kulapha ukuhlala, kwaye uqoqosho ludinga ixesha lokuphefumla.
Iinkampani zetekhnoloji zikwanengxaki yokunqongophala okukhulu kweemveliso kunye neenkonzo ngenxa yokumiswa kweTshayina. Zonke ezi meko zibonisa ukuba iimarike zisenokwehla ngakumbi.
Kodwa, uyityala njani imali yakho kwiimarike kwiimeko ezinjalo?
Okanye ngaba kufuneka uthengise ipotfoliyo yakho ekhoyo ngelahleko?
Ungaxhalabi. Icandelo elilandelayo likuxelela kanye ukuba sesiphi esona sigqibo silungileyo kwiimeko ezinjalo.
Uluhlu Lokwenza Ukulungiselela Lo Mqathango Wentengiso
Kukho uqikelelo oluninzi malunga nemeko yemarike yangoku. Nangona kunjalo, ukwenza ezinye iintshukumo zobulumko kunokukwenzela imali entle.
1. Khetha iiStokhwe kuMsebenzi wazo wokufumana
Ixesha apho utyalo-mali kuyo nayiphi na into ebipompa kwaye ifumana inzuzo ngokukhawuleza iphelile ngoku. Ukwenza imali kwinkunzi yenkomo kulula kakhulu kunoko ukusinda kwimarike yeebhere.
Zama ukutyala imali kwezo nkampani zinengeniso elungileyo. Xa ukuthengisa okukhulu kubetha iimarike, ezi ziya kuba ziinkampani ezibambe ngokuqinileyo kwiimeko ezimbi.
2. Injongo yezahlulo
Ewe, Izahlulo ngumthombo omtsha wengeniso kubantu abaninzi. Kucacile ukuba izitokhwe ezihlawula izabelo azichatshazelwa kakhulu kukuntlitheka kweflash okwenzeka kwiimarike. Oku kungenxa yeziseko zabo ezomeleleyo.
3. Sukuzama ukubeka ixesha kwiMarike
Ukuba ufumana ukuhaha ngamaxabiso awileyo, kwaye ufuna ukubamba i-bottom, ngoko unokuba yinxalenye ye-99% yabantu abalahlekelwa yimali kwiimarike. Esikhundleni sokubamba i-bottom, kukhuselekile ukubeka imali yakho xa izitokhwe zibuyela emva kwaye ziqale ukubonisa iimpawu zokukhula.
4. Yiya kuTyalo-mali oluKhuselekileyo
Eli lixesha apho uguqula ipotifoliyo yakho kutyalo-mali olukhuselekileyo ukuba awulahlekanga. Cinga ngokutyala imali kwii-SIPs, funds mutual, kunye neebhondi. Olu lolona tyalo-mali luncinci luzinzileyo kwiintshukumo zemarike.
5. Eyona nto ilungileyo onokuyenza kukungenzi nto
Ngamanye amaxesha, ukungenzi nto kunokwenza izinto ezimangalisayo, kwaye kwiimarike zemasheya, kubonakala ngakumbi. Ukuba ipotifoliyo yakho ayikho phantsi, ungacinga ngokuthatha ikhefu kwiimarike zezimali.
Iingozi ezinjalo kunye nokulahla izinto aziqhelekanga ngokwenene, kwaye uqikelelo luyasilela yonke imihla kwezi meko. Ke, kungcono ukulinda ukuba iimarike zihlale kunokuba unyoluke kwaye uphulukane notyalo-mali lwakho.
Shiya iMpendulo