Xa uxolo luguqukela emfazweni kwaye zonke iimarike zichaphazeleka, iingcebiso zeengcali zokulawula utyalo-mali lwakho zibalulekile.
Eli nqaku elingena-jargon lichaza ins kunye nokuphuma kutyalo-mali ngexesha lemfazwe kwaye livavanya iindidi zamathuba otyalo-mali akhoyo kwimarike.
Isiphumo semfazwe kuwo onke amacandelo amakhulu e-asethi, ukusuka kwiibhondi, izabelo, iimali, kunye nezindlu ezithengiswayo ukuya kwizinto zokuthengisa, imali kunye negolide ichazwa kusetyenziswa imizekelo ebonakalayo kunye neemeko zokwenyani.
Akukho mfuneko yakuphakuzela – thatha inyathelo nje ngokuzola & nentloko esemgangathweni njengoko ungquzulwano lwezopolitiko luya lusanda.
Ngoko ke ndiza kukubuza umbuzo. Inokuba yintoni impembelelo kutyalo-mali lwakho ukuba imfazwe iqhambuka ngomso kwelinye icala lehlabathi?
Impendulo iya kuxhomekeka kuhlobo lotyalo-mali onalo, akunjalo?
Ukuba nezabelo kwinkampani eyenza izixhobo zokhuselo kunokunyuka. Kodwa ukuba nezabelo kwinkampani yeenqanawa zokuhamba ngenqanawa kunokuhla.
Nanku ushwankathelo olukhawulezayo lwento esiza kuyigubungela ngokulandelayo:
Kufuneka amaIndiya atyale imali phi ngexesha leMfazwe?
Ngoku makhe sixoxe ngesiphumo semfazwe kwezinye zezinto ezibalulekileyo kwaye kutheni kufuneka siziqwalasele kutyalo-mali ngexesha lemfazwe.
bond
Musa ukuthenga iibhondi. Mhlawumbi baya kuphulukana nemali ngexesha lemfazwe.
Yinto eyothusayo leyo ukuyithetha kuba iibhondi zithathwa njengezikhuselekileyo. Kodwa ndiza kuchaza ukuba kutheni iyinyani.
Xa uthenga ibhondi eqhelekileyo, uboleka urhulumente okanye inkampani eyikhuphileyo. Umboleki uyakuhlawulela inzala kangangexesha elithile aze akubuyisele imali yakho.
Imfazwe isenokubangela ukuba amaxabiso eoli anyuke. Ukunyuka kwamaxabiso e-oyile kunokuguqulela kwinzala ephezulu.
Ukuba izinga lenzala liyenyuka emva kokuba uthenge ibhondi, ixabiso layo lemarike liyehla, kuba iibhondi ezintsha zikhutshwa ezihlawula izinga eliphezulu.
imali yeloo lizwe
Andikholelwa ukuba ukubamba imali yindawo yokukhusela. Kukho ithuba eliphezulu lokuba ixabiso lokwenyani lemali liyancipha ngenxa yokunyuka kwamaxabiso aphezulu.
Makhe sicinge ukuba inxalenye yelizwe yoyiswa okanye ihlalwe - amathuba emali anokutshintshwa ngokupheleleyo okanye aguquke imali yebhanana ziphezulu kakhulu.
Ngoko, andiyi kucebisa ukutyalomali kwimali ngexesha lemfazwe.
igolide
igolide lelinye lamakhusi aqhuba kakuhle ngamaxesha emfazwe. Igolide ikwabonwa njengothango oluchasene nokunyuka kwamaxabiso kunye nokuhla kwexabiso lemali.
Igolide iye yagqwesa kwizabelo zamashishini ezingenanzala emisiweyo ngamaxesha apho bekukho ukungaqiniseki okugqithisileyo ngenxa yokuhla kwamandla emali kunye nokuhla kwexabiso lemali. Ngamaxesha anjalo, igolide isebenza njengothango olusebenzayo ngokuchasene nezabelo zamashishini ezingenanzala emisiweyo kunye neebhondi ngokuvelisa imbuyekezo encomekayo ngelixa zisiwa.
Nangona kunjalo, ngexesha leengxabano eziye zasonjululwa ngokukhawuleza, igolide iye yaqhuba ngaphantsi kwe-equities ngomda omkhulu. Kwezo meko, abatyali-mali baye bakhetha ukubeka imali yabo kwisitokhwe ukuze benze inzuzo ngokukhawuleza kunokuba babeke kwizinto ezikhuselekileyo njengegolide.
Ndizakucebisa ukuba ube nentwana yegolide kuwe portfolio, xa kukho imfuneko engxamisekileyo yemali.
Zininzi iindlela zotyalo-mali kwigolide ngaphandle kokuba ne-bullion okanye iingqekembe zemali. Unokuba ngabanini be-ETFs/RBI Sovereign Gold Bond Scheme ekunika ubunini bentsimbi ngeqhezu lexabiso lemarike langoku.
Izindlu ezithengiswayo
Izindlu ezithengiswayo lubhejo olukhuselekileyo kuba lubonakalise ukomelela kwalo kumashumi eminyaka, nakwiinkulungwane.
Ngamaxesha okungaqiniseki kwezoqoqosho, abantu ngokwemvelo baphendukela kwii-asethi ezibonakalayo njenge-real estate kuba baziqonda ngcono kune-stocks okanye iibhondi, ezinokuthi zixhomekeke kwiintshukumo eziphosakeleyo ezisekelwe kumahemuhemu okanye ukucinga.
Ukutyala imali kwi-real estate kunokuba lubhejo oluhle kuwe. Imfazwe iphazamisa i-chain chain ebangela ukunyuka kwamaxabiso. Ukunyuka kwexabiso leemveliso ezifana nesamente kunye nentsimbi kuya kwandisa amaxabiso kwimarike yezindlu.
Ndiyakucela ukuba ugcine le nyaniso engqondweni ukuba, ukuba imfazwe iqala kwilizwe ohlala kulo, ukutyala imali kumhlaba kungcono kunotyalo-mali kwizindlu, izakhiwo, izindlu, njl njl.
Amalungelo
Okokugqibela, kodwa okona kulungileyo. Ewe, akukho nto ingcono kuneequity oza kutyala kuzo ngexesha lemfazwe.
Makhe sithathe umzekelo weMfazwe yaseKargil ngo-1999 Imarike yemasheya yaseIndiya yehla yaya kutsho kwi-10% xa imfazwe yabhengezwayo yaza yabuyiselwa kwi-30% ngaphambi kokuba imfazwe iphele.
Kwakhona, ngexesha leMfazwe Yehlabathi I, i-stock market yase-US yavalwa, kwaye xa urhwebo luqala kwakhona kwiinyanga ezine kamva, i-Dow Jones Industrial Average yavula i-30% phantsi, kwaye ukusuka apho, yayiyenye indlela yokunyuka! Yaphindaphindeka kabini ebudeni bemfazwe eqhubekayo, phezu kwayo nje yonke intetho yemfazwe nokungabi nathemba.
Kwenzeka into efanayo emva kokuphela kweMfazwe Yehlabathi yesiBini. Imarike yase-US yavulwa nge-gap enkulu kwaye ngonyaka yanika imbuyekezo ye-50%.
Ngo-1975, i-Indiya yayihamba kwiimeko ezifana nendlala emva kwemfazwe yase-Bangladesh kwaye kwangaxeshanye, kwakukho ingxaki yeoli kwihlabathi lonke.
Uqoqosho lwaseIndiya luye lwangena e-ICU ngenxa yoku kuphinda kabini. Abatyali-zimali abaninzi behlabathi bebekulungele ukubhala iIndiya njengebhaskithi yezoqoqosho.
Kodwa iimarike zesitokhwe zaseIndiya zothuse wonke umntu nge-100%-kunye nembuyekezo yazo ngaphantsi kweminyaka emibini.
Ukwahluka yeyona ndlela ilungileyo – SOKHO!
Isicwangciso esiqhelekileyo sokunciphisa umngcipheko wayo nayiphi na ipotifoliyo kukwahlukahlukana okanye ukusasaza imali eyinkunzi kulo lonke utyalo-mali oluninzi. Unokwahluka ukunciphisa amathuba okuba utyalo-mali olunye lubangele ilahleko enkulu.
Ngenxa yoko, uya kunciphisa amathuba okuba utyalo-mali olunye luvelise inzuzo enkulu.
Kodwa iyantlukwano yabatyali-mali ayisebenzi kuphela kwi-equity holds. Isenokubandakanya ukwahluka kwejografi, okumalunga nokusasaza imali eyinkunzi kumazwe amaninzi.
Eyona ndlela ilungileyo yokwenza oku kukubeka imali yakho kwiindawo ezahlukeneyo zejografi kunye neeklasi ze-asethi. Awufuni ukuba yonke imali yakho ityalwe kwilizwe elithile okanye iklasi enye ye-asethi xa kuqhambuka imfazwe okanye kukho ukudodobala koqoqosho - kuba awuyazi into eza kwenzeka ngokulandelayo.
Ndiyazi ukuba ukwahlukana kubonakala kulula kwi-abstract.
Kodwa xa uzama ukuyenza, kunzima.
Apha xa into efana Dezerv iya kusebenzela uninzi lwabatyali-mali. I-Dezerv ikuvumela ukuba utyale imali kwii-asethi ezahlukeneyo ngaphandle kokukhathazeka malunga nantoni na - ipotifoliyo yakho iphathwa liqela leengcali.
Jonga iposti yethu Dezerv Uhlalutyo oluneenkcukacha.
Mandibonise umfanekiso weskrini 'wePotfoliyo yoMvuzo oPhezulu woMngcipheko oPhezulu' elawulwa nguDezerv ukuze uqonde ngcono.
Ngokujonga lo mfanekiso ungasentla, unokuqaphela ukuba utyalo-mali lwahlulwe kakuhle lwaba ziindidi ezintathu:
- Equity-based Mutual Funds kunye Ingxowa-mali yesalathiso: ukwenzela ukukhula
- IiNgxowa-mali zeNgeniso eziZinzileyo: uzinzo kunye nokhuseleko
- Ingxowa-mali yeGolide: yokubiyela kwimeko efana nemfazwe
Ngaba kufuneka ndihlawule i-Mutual funds/SIPS yam ukuba imfazwe iyaqhambuka?
Akufanele wenze njalo - ukuba ungumtyali-mali wexesha elide.
Ungaze uyeke i-SIP yakho, iziCwangciso zoTyalo-mali eziCwangcisiweyo, kwiingxowa-mali ezifanelekileyo, ngakumbi xa ulungisa iinjongo ezithile zezimali.
I-SIP yindlela yokutyala kuyo funds mutual (MFs) ngesixa esimiselweyo ngamaxesha aqhelekileyo, masithi, ngenyanga okanye ngekota. Ngale ndlela ufumana inzuzo kumandla okudibanisa kunye nenzuzo ye-rupee ye-avareji yeendleko.
I-avareji yeendleko ngeyunithi nganye iyancipha ukuba uthenga ngakumbi xa iimarike ziyancipha kwaye ngaphantsi xa zinyuka.
Ngoko ke, ukuba ubona ibhalansi yengxowa-mali yakho isihla ngendlela egqibeleleyo ngelixa iimarike zisehla, ungothuki. Kuthetha kuphela ukuba uneeyunithi ezininzi zemali yakho.
Ungaphoswa lithuba lokuqokelela iiyunithi zeMutual Funds xa iimarike zikwimeko ephantsi.
Gcina ukhumbule ukuba utyalo-mali kwiingxowa-mali ezihlangeneyo yenye yezona ndlela zilula zokwakha ubutyebi. Kumtyali-mali ophakathi, iingxowa-mali ezihlangeneyo ziyindlela enamandla yokudala ubutyebi.
Ndiza kutyala phi ngexesha leMfazwe?
Okokuqala, ndiyathemba ukuba akusayi kubakho mfazwe.
Nangona kunjalo, kwimeko yokwehla kwimarike yesitokhwe ngenxa yongquzulwano lwe-geopolitical, ubhubhane, okanye imfazwe, ukhetho lwam lotyalo-mali luya kuba:
1. Izabelo zeenkampani zeBlue-chip ezinobunkokheli bemarike
Iinkampani zeblue-chip zinerekhodi elungileyo lokukhula kunye nenzuzo. Ziinkampani ezinembali engaguqukiyo yokusebenza kakuhle.
Izitokhwe ze-blue-chip azikuniki imbuyekezo ephezulu kakhulu, kodwa ngokuqhelekileyo aziguquguquki kangako kunemarike yemasheya kunye nezinye iintlobo ezininzi zesitokhwe. Bendiya kukhetha ezo zihlala zibhatala izabelo kubaninizabelo zabo.
2. Utshintshiselwano ngeeNgxowa-mali (ii-ETFs)
IiNgxowa-mali eziThengiswayo zoTshintshiselwano (ETFs) luhlobo lwengxowa-mali leyo urhwebo kwi stock imarike. Ii-ETF ziyindlela elula yokufumana ukuvezwa kwiklasi ethile ye-asethi.
I-ETF nganye ilandelela isalathiso okanye icandelo elithile kwaye lirhweba njengesitokhwe somntu ngamnye. Ungathenga kwaye uthengise ii-ETF nge-broker yakho.
3. Imali yeDigital kunye neTekhnoloji
Iimali ezihlangeneyo zedijithali kunye netekhnoloji zityala imali kwizitokhwe zeenkampani ezinokuvezwa okubonakalayo kubuchwephesha bedijithali, i-Intanethi, iIT, kunye namacandelo anxulumeneyo.
Njengoko uqoqosho lwehlabathi lusiya lusiba kwidijithali, amashishini anikwe itekhnoloji kusenokwenzeka ukuba afumane isabelo semarike.
Oku kunokudlala kakuhle kuwe kwiinkqubo zengxowa-mali yedijithali kunye nezobuchwepheshe.
4. Golide
Igolide nayo ikhangeleka inika umdla kum njengotyalo-mali kuba yi-asethi ebonakalayo kwaye ithathwa njengothango oluchasene nokunyuka kwamaxabiso. Ndincoma utyalo-mali kwiiNgxowa-mali zeGolide, kungekhona isinyithi somzimba. Okanye ungakhetha ukuthenga ISikimu seBond yeGolide ePhakamileyo.
5. US Imakethi yesitokhwe
Utyalo-mali kwizitokhwe zase-US ezisuka eIndiya kukuvumela ukuba wahlule utyalo-mali lwakho ngokwejografi.
Njengoko sonke siyazi, akusiyo ubulumko ukutshala yonke imali yakho kwimarike yendawo yendawo kuba ukusebenza kwayo kuhambelana ngokusondeleyo neziganeko zelizwe kunye neemeko ezifana nonyulo, amaxabiso eoli, iintlekele zendalo, njl njl. ezibangelwa ziziganeko zasekuhlaleni.
Izitokhwe zehlabathi zikhuselekile ngakumbi kwizinto ezothusayo njengoko zininzi izinto ezidlalwayo kwihlabathi jikelele ezinokuchaphazela ukusebenza kwazo. Nazi i Iiapps ezilungileyo kakhulu eIndiya ukutyala imali kwi-US Stocks.
Ungabhekisa kwiposi yethu kwi izixhobo ezingcono kakhulu zesitokhwe ukuhlalutya imarike yemasheya yaseIndiya ukufumana umgangatho wezitokhwe, ii-MFs, ii-ETF, njl.
Iimfazwe kunye neengxabano ezixhobileyo zikholisa ukukhokelela ekwehleni ngequbuliso kwipotifoliyo yakho kunye notyalo-mali.
Nangona kunjalo, kwixesha elide, oku kuncipha lithuba lokutyala imali ngokusekelwe kwimbali.
Ndingacebisa ukuba ungahlali ungasebenzi kwaye eyona ndlela ilungileyo kukwenza imali ngokuwa ngequbuliso kwintengiso ngokutyala imali kwiinkampani / iimali ezisemgangathweni.
Ndincoma ukujonga yethu AYF isikhokelo kuya kukunceda ukuba ungakhathazeki malunga nezimali zakho kwaye uphephethe ngokukhawuleza ukuguquguquka kwemarike okudlulileyo.
Ngaba unayo imiba?
Ndazise!
Shiya iMpendulo