Lapho ukuthula kuphenduka impi futhi zonke izimakethe zithinteka, iseluleko sochwepheshe mayelana nokuphatha ukutshalwa kwezimali kwakho kubalulekile.
Lesi sihloko samahhala se-jargon sichaza ukungena nokuphuma kokutshala izimali ngezikhathi zezimpi futhi sihlola inhlobonhlobo yamathuba okutshala imali atholakalayo ezimakethe.
Umthelela wempi kuyo yonke imikhakha yempahla emikhulu, kusukela kumabhondi, izabelomali, izimali, kanye nezindawo ezithengiswayo ukuya ezintweni ezithengiswayo, ukheshi negolide kuchazwa kusetshenziswa izibonelo ezingokoqobo nezimo zangempela.
Asikho isidingo sokwethuka - vele uthathe isinyathelo ngekhanda elizolile nelisezingeni njengoba ukushuba kwesimo sezombusazwe kushuba.
Ngakho ngizokubuza umbuzo. Ungaba yini umphumela ekutshaleni kwakho imali uma kuqubuka impi kusasa ngakolunye uhlangothi lomhlaba?
Impendulo izoncika ekutheni hlobo luni lwezimali onazo, akunjalo?
Ukuba namasheya enkampanini eyenza imishini yezokuvikela kungakhuphuka. Kodwa ukuba namasheya enkampanini yemikhumbi yezikebhe kungase kwehle.
Nasi isifinyezo esisheshayo salokho esizokuhlanganisa ngokulandelayo:
Kufanele AmaNdiya Atshale Kuphi Ngesikhathi Sempi?
Manje ake sixoxe ngomphumela wempi kwezinye zezimpahla ezibalulekile nokuthi kungani kufanele sizicabangele ukuze sizitshale imali ngesikhathi sempi.
izibopho
Ungawathengi amabhondi. Cishe bazolahlekelwa yimali ngesikhathi sempi.
Kuyamangaza lokho ukuthi amabhondi athathwa njengephephile. Kodwa ngizochaza ukuthi kungani kuyiqiniso.
Uma uthenga ibhondi ejwayelekile, uboleka uhulumeni noma inkampani eyikhiphile. Obolekayo ukukhokhela inzalo isikhathi esithile bese ekubuyisela imali yakho.
Impi ingase inyuse amanani kawoyela. Ukwenyuka kwamanani kawoyela kungahumushela emazingeni enzalo aphezulu.
Uma izinga lenzalo likhuphuka ngemva kokuthenga ibhondi, inani layo lemakethe liyehla, ngoba kukhishwa amabhondi amasha akhokha inani eliphezulu.
Currency
Angikholwa ukuthi ukubamba imali kuyisimo sokuzivikela. Kunamathuba amaningi okuthi inani langempela lohlobo lwemali lehlisiwe ngenxa yokwehla kwamandla emali aphezulu.
Ake sicabange ukuthi ingxenye yezwe inqotshiwe noma isetshenziswa - amathuba ohlobo lwemali angase ashintshwe ngokuphelele noma aphenduke imali kabhanana ziphakeme kakhulu.
Ngakho-ke, ngeke ngincome ukutshala imali emalini ngesikhathi sempi.
Gold
Gold ingenye yezindawo zokucasha ezenza kahle ngezikhathi zempi. Igolide liphinde lithathwe njengethango elimelene nokwehla kwamandla emali kanye nokwehla kwenani lemali.
Igolide lisebenze kakhulu ngokulingana ezikhathini lapho bekunokungaqiniseki okukhulu ngenxa yokwehla kwamandla emali kanye nokwehla kohlobo lwemali. Ngalezo zikhathi, igolide lisebenza njengothango olusebenzayo ngokumelene nezabelomali namabhondi ngokuletha imbuyiselo enhle ngenkathi ziwa.
Kodwa-ke, phakathi nezingxabano eziye zaxazululwa ngokushesha, igolide liye lenza imali elinganayo ngenani elikhulu. Kulezo zimo, abatshalizimali baye bancamela ukufaka imali yabo esitokweni ukuze bathole izinzuzo ngokushesha kunokuba babeke ezimpahleni eziphephile njengegolide.
Ngizophakamisa ukuthi ube nendawana yegolide kuwe iphothifoliyo, uma kunesidingo esiphuthumayo sezimali.
Ziningi izindlela zokutshala imali egolideni ngaphandle kokuba nenkunzi noma izinhlamvu zemali. Ungaba ngumnikazi we-ETFs/RBI Sovereign Gold Bond Scheme ekunikeza ubunikazi bensimbi ngengxenyana yenani lemakethe lamanje.
Ukuthengisa izindlu
Ukuthengisa izindlu iwukubheja okuphephile ngoba ikufakazele ukuqina kwayo emashumini eminyaka, ngisho namakhulu eminyaka.
Ezikhathini zokungaqiniseki kwezomnotho, abantu ngokwemvelo baphendukela ezimpahleni ezibambekayo njengezindlu ezithengiswayo ngenxa yokuthi baziqonda kangcono kunezitokwe noma amabhondi, okungase kube ngaphansi komnyakazo oguquguqukayo osuselwe kumahemuhemu noma ukuqagela.
Ukutshala imali kwizindlu ezithengiswayo kungaba ukubheja okuhle kuwe. Impi iphazamisa ukuthengwa kwempahla okuholela ekwehleni kwamandla emali. Ukwenyuka kwentengo yempahla efana nosimende nensimbi kuzonyusa amanani emakethe yezindlu nezindlu.
Ngingacela ukuthi ugcine leli qiniso engqondweni ukuthi, uma kuqubuka impi ezweni ohlala kulo, ukutshala imali emhlabeni kungcono kunokutshala amafulethi, izakhiwo, izindlu, njll. njengoba izakhiwo ezakhiwe zingacekelwa phansi ngesikhathi sempi.
Amanani
Okokugcina, kodwa okuhle kakhulu. Yebo, akukho lutho olungcono kunezimali ongatshala kuzo ngesikhathi sempi.
Ake sithathe isibonelo ngeMpi yaseKargil ngo-1999 Indian stock market yehlele ku-10% ngesikhathi kumenyezelwa impi futhi yabuyiselwa ku-30% ngaphambi kokuphela kwempi.
Futhi, phakathi neMpi Yezwe I, imakethe yamasheya yase-US yavalwa, kwathi lapho ukuhweba kuphinda kuqalwa ezinyangeni ezine kamuva, iDow Jones Industrial Average yavula i-30% phansi, futhi ukusuka lapho kuqhubeke, yaba yindlela eyodwa phezulu! Kwaphindeka kabili phakathi nempi eqhubekayo, naphezu kwazo zonke izinkulumo zempi nokungabi nathemba.
Kwenzeka okufanayo ngemva kokuphela kweMpi Yezwe Yesibili. Imakethe yaseMelika yavulwa ngegebe elikhulu futhi ngonyaka yanikeza imbuyiselo engama-50%.
Ngo-1975, i-India yayibhekene nezimo ezinjengendlala ngemva kwempi yase-Bangladesh futhi ngesikhathi esifanayo, kwakunenkinga kawoyela emhlabeni wonke.
Umnotho waseNdiya ungene e-ICU ngenxa yalokhu kuphazamiseka okuphindiwe. Abatshalizimali abaningi bomhlaba wonke bebekulungele ukubhala i-India njengekesi likabhasikidi wezomnotho.
Kodwa izimakethe zamasheya zaseNdiya zimangaze wonke umuntu ngembuyiselo yazo engu-100%-plus esikhathini esingaphansi kweminyaka emibili.
Ukuhlukahluka kuyindlela engcono kakhulu - NJALO!
Isu elivamile lokunciphisa ubungozi banoma iyiphi iphothifoliyo ukuhlukahluka noma ukusabalalisa imali etshaliwe ekutshalweni kwezimali okuningi. Ungashintshashintsha ukuze unciphise amathuba okuthi ukutshalwa kwezimali okukodwa kuzodala ukulahlekelwa okukhulu.
Ngenxa yalokho, uzophinde wehlise amathuba okuthi ukutshalwa kwezimali okukodwa kukhiqize inzuzo enkulu.
Kodwa ukuhlukahluka kwabatshalizimali akusebenzi kuphela ekubambeni ngokulinganayo. Kungase futhi kubandakanye ukuhlukahluka kwezindawo, okumayelana nokusabalalisa imali emazweni amaningi.
Indlela engcono kakhulu yokwenza lokhu ukubeka imali yakho ezindaweni ezihlukahlukene kanye namakilasi wempahla. Awufuni ukuthi yonke imali yakho itshalwe ezweni elithile noma esigabeni esisodwa sempahla lapho kuqubuka impi noma kuba nokuwohloka komnotho - ngoba awazi ukuthi kuzokwenzekani ngokulandelayo.
Ngiyazi ukuthi ukuhlukahluka kubukeka kulula ku-abstract.
Kodwa uma uzama ukukwenza, kuba nzima.
Nakhu lapho into efana I-Dezerv izosebenzela abatshalizimali abaningi. I-Dezerv ikuvumela ukuthi utshale ezimpahleni ezihlukene ngaphandle kokukhathazeka nganoma yini - iphothifoliyo yakho isingathwa ithimba lochwepheshe.
Bheka okuthunyelwe kwethu ku I-Dezerv Ukuhlaziywa okuningiliziwe.
Ake ngibonise isithombe-skrini 'Sephothifoliyo Yomvuzo Onobungozi Ophezulu' ephethwe u-Dezerv ukuze uqonde kangcono.
Ngokubheka isithombe esingenhla, ungabona ukuthi ukutshalwa kwezimali kuhluke kakhulu kwaba izigaba ezintathu:
- Equity-based Mutual Funds kanye Izikhwama Zenkomba: ezokukhula
- Izimali Zokungena Ezingenisiwe: ukuze kube nokuzinza nokuphepha
- Isikhwama Segolide: ukubiyela esimweni esifana nempi
Ingabe kufanele ngisebenzise i-Mutual funds/SIPS yami uma kuqubuka impi?
Akufanele - uma ungumtshali-zimali wesikhathi eside.
Ungalokothi uyeke i-SIP yakho, Izinhlelo Zokutshala Ezihlelekile, ezinhlelweni ezifanele zesikhwama sokubambisana, ikakhulukazi lapho ubhekana nezinhloso ezithile zezimali.
I-SIP iyindlela yokutshala imali kuyo izimali zomphakathi (MFs) enenani elinqunyiwe ngezikhathi ezithile, ithi, nyanga zonke noma ngekota. Ngale ndlela uthola ukuzuza emandleni okuhlanganisa kanye nenzuzo yokulinganisa izindleko ze-rupee.
Isilinganiso sezindleko ngeyunithi ngayinye siyehla uma uthenga okuningi lapho izimakethe zehla futhi zincane uma zikhuphuka.
Ngakho-ke, uma ubona ibhalansi yesikhwama sakho yehla ngendlela eqondile ngenkathi izimakethe ziwohloka, ungathuki. Kusho kuphela ukuthi uthole amayunithi engeziwe emali yakho.
Ungaphuthelwa yithuba lokuqongelela amayunithi e-Mutual Funds uma izimakethe zisesimweni esibi.
Khumbula ukuthi ukutshala izimali ku-mutual funds kungenye yezindlela ezilula kakhulu zokwakha ingcebo. Kumtshali-zimali ojwayelekile, i-mutual funds iyindlela enamandla yokudala ingcebo.
Ngizotshala kuphi ku-Wartime?
Okokuqala, ngithemba ukuthi ngeke ibe khona impi.
Kodwa-ke, uma kwenzeka ukwehla kwemakethe yamasheya ngenxa yezingxabano zezwe, ubhadane, noma impi, ukukhetha kwami ukutshala izimali kuzoba:
1. Amasheya ezinkampani ze-Blue-chip ezinobuholi bemakethe
Izinkampani ze-blue-chip zinerekhodi elihle lokukhula kanye nenzuzo. Ziyizinkampani ezinomlando ongaguquki wokwenza kahle.
Izitokwe ze-blue-chip ngokuvamile azikuniki izinzuzo eziphezulu kakhulu, kodwa ngokuvamile aziguquguquki kakhulu kunemakethe yamasheya iyonke kanye nezinye izinhlobo eziningi zamasheya. Bengingakhetha ezivame ukukhokha izabelo kubanikazi bamasheya babo.
2.IziKhwama Zokuhweba Okushintshaniswa (ETFs)
I-Exchange-Traded Funds (ETFs) iwuhlobo lwesikhwama abahweba esitokisini imakethe. Ama-ETF ayindlela elula yokuthola ukuchayeka ekilasini lempahla ethile.
I-ETF ngayinye ilandelela inkomba ethile noma umkhakha futhi idayiswa njengesitoko ngasinye. Ungathenga futhi udayise ama-ETF ngomthengisi wakho.
3. Izimali Zedijithali Nobuchwepheshe
Izimali ezihlanganyelwe zedijithali nobuchwepheshe zitshala ezitokweni zezinkampani ezinokuchayeka okukhulu kubuchwepheshe bedijithali, i-inthanethi, i-IT, kanye nemikhakha ehlobene.
Njengoba umnotho womhlaba uya ngokuya uba yidijithali, amabhizinisi anikwe amandla ezobuchwepheshe kungenzeka azuze isabelo semakethe.
Lokhu kungadlalela wena ezinhlelweni ze-mutual fund yedijithali nezobuchwepheshe.
4. Gold
Igolide nalo libukeka lithakaseleka kimi njenge-investimenti ngoba liyimpahla ebonakalayo futhi libhekwa njengothango olumelene nokwehla kwamandla emali. Ngincoma ukuthi ngitshale Izimali Zegolide, hhayi insimbi ebonakalayo. Noma ungakhetha ukuthenga I-Sovereign Gold Bond Scheme.
5. US I-Stock Market
Ukutshala imali ezitokweni zase-US ezivela e-India kukuvumela ukuthi uhlukanise ukutshalwa kwezimali kwakho ngokwendawo.
Njengoba sonke sazi, akukhona ukuhlakanipha ukutshala yonke imali yakho ezimakethe zamasheya zendawo ngoba ukusebenza kwayo kuhlobene eduze nezenzakalo nezimo zikazwelonke ezifana nokhetho, amanani kawoyela, izinhlekelele zemvelo, njll. Ukuhlukahluka kusiza ukuvikela iphothifoliyo yakho ekushintsheni okubukhali. okubangelwa imicimbi yendawo.
Amasheya omhlaba avikeleke kakhulu ekushaqekeni okunjalo njengoba kunezici eziningi ezidlalwayo emhlabeni wonke ezingaba nomthelela ekusebenzeni kwazo. Nazi izinhlelo zokusebenza ezihamba phambili e-India zokutshala imali e-US Stocks.
Ungabheka okuthunyelwe kwethu ku- amathuluzi esitoko angcono kakhulu okuhlaziya imakethe yamasheya yaseNdiya ukuthola izitoko zekhwalithi, ama-MF, ama-ETF, njll.
Izimpi nezingxabano ezihlomile zivame ukuholela ekwehleni okungazelelwe kwephothifoliyo yakho kanye nokutshalwa kwezimali.
Kodwa-ke, esikhathini eside, lokhu kwehla kuyithuba lokutshala imali ngokusekelwe emlandweni.
Ngingaphakamisa ukuthi ungahlali ungasebenzi futhi indlela engcono kakhulu ukufaka imali ngokuwa okungazelelwe emakethe ngokutshala imali ezinkampanini/izimali ezisezingeni.
Ngincoma ukuthi uhlole yethu I-AYF umhlahlandlela; kuzokusiza ukuthi ungakhathazeki ngezimali zakho futhi kuheleze ngokushesha ukuntengantenga kwemakethe okudlule.
Ingabe unayo imibuzo?
Ngazise!
shiya impendulo