IMarike yeeMetal ezixabisekileyo: Ukuphonononga iMbali yayo, iMeko yangoku, kunye nekamva

IMarike yeeMetal ezixabisekileyo: Ukuphonononga iMbali yayo, iMeko yangoku, kunye nekamva

Intshayelelo

Imarike yentsimbi exabisekileyo iyinxalenye eyimfuneko kwinkqubo yezemali yeHlabathi, kwaye ukubaluleka kwayo kugqame ngokukodwa kwicandelo lotyalo-mali lwemali kunye nokugcinwa kwempahla. Iintsimbi ezixabisekileyo, njenge-asethi ebonakalayo, zinexabiso elikhethekileyo lotyalo-mali kwaye zinokubonelela ngokhuseleko oluthile lokhuselo. Eli nqaku liza kuphonononga imbali, imeko yangoku, kunye nekamva lemarike yesinyithi exabisekileyo, ukuhlalutya unikezelo lwemarike kunye nemfuno yemfuno, kwaye unike iingcebiso zotyalo-mali ezihambelanayo.

Uhlalutyo lwendlela yokuthengisa

Imbali yemarike yentsimbi exabisekileyo inokulandelwa ngamawaka eminyaka. Kwakudala eYiputa yamandulo, igolide yayisetyenziswa njengemali kunye nokuhlobisa. Ngophuhliso loluntu lwabantu, isimo sesinyithi esixabisekileyo siyaqhubeka nokunyuka kwinkqubo yezemali. Kwiminyaka embalwa edlulileyo, imarike yentsimbi exabisekileyo iye yafumana ukuguquguquka okuninzi, kodwa umgangatho uphezulu.

Kwiminyaka yakutshanje, ngenxa yokungaqiniseki kwemeko yoqoqosho lwehlabathi, imarike yentsimbi exabisekileyo iphinde yafumana ingqwalasela. Ezopolitiko, uqoqosho, i-geopolitical kunye nezinye izinto zinokuchaphazela imarike. Umzekelo, iminyhadala efana neBrexit kunye nemfazwe yorhwebo yaseTshayina-eUnited States ikhokelele ekonyukeni kobungozi bokuthiywa kwemarike, kuqhubele phambili amaxabiso eentsimbi ezixabisekileyo.

Ubonelelo lwemarike kunye nohlalutyo lwemfuno

Ubudlelwane bokubonelela kunye nemfuno kwimarike yentsimbi exabisekileyo yinto ephambili echaphazela amaxabiso. Ngokwembono yemveliso, unikezelo lweentsimbi ezixabisekileyo luvela ikakhulu emigodini, inkunkuma yokuphinda isetyenziswe, kunye neentengiso zebhanki ephakathi. Kwiminyaka yakutshanje, ngenxa yezithintelo zemigaqo-nkqubo yokukhusela indalo kunye nokunyuka kweendleko, imveliso yemigodi yemigodi iye yancipha ngokuthe ngcembe. Kwangaxeshanye, intengiso yegolide yebhanki enguvimba iyanda unyaka nonyaka, ikakhulu ngenxa yokuba oorhulumente behlabathi kufuneka bathengise iintsimbi ezixabisekileyo ukuze bafumane imali yokuhlawula amatyala xa belungisa izakhiwo zabo zogcino lonaniso lwangaphandle.

Ngokwemfuno, iintsimbi ezixabisekileyo zisetyenziselwa imveliso yobucwebe, utyalo-mali, iinjongo zoshishino, kunye noovimba bebhanki ephakathi. Kwiminyaka yakutshanje, ngokunyuka kwemfuno yobucwebe kunye notyalo-mali, ukusetyenziswa kweentsimbi ezixabisekileyo kuye kwaqhubeka kukhula. Ukongeza, iibhanki ezingoovimba zamazwe ahlukeneyo zikwasebenzisa iintsimbi ezixabisekileyo njengenxalenye yoovimba botshintshiselwano lwangaphandle ukuze bafezekise ulwahlulo lwee-asethi kunye nokhuseleko lweheji.

Iingcebiso zotyalo-mali

Ngokusekwe kuhlalutyo lwentsingiselo yeMarike kunye nobudlelwane bemfuno yobonelelo, ezi zilandelayo zezinye iingcebiso zotyalo-mali:

1. Utyalo-mali lwexesha elide: Kubatyali-mali bexesha elide, banokuqwalasela ukuthenga iintsimbi ezixabisekileyo kwiibhetshi xa amaxabiso esihla. Ngokomzekelo, xa amaxabiso egolide ehla, ulwabiwo lwee-ETF zegolide okanye i-stock mining yegolide inokunyuswa ngokuthe ngcembe ukunciphisa umngcipheko wepotfoliyo yotyalo-mali. Ukongeza, unokukhetha ukuthenga iintsimbi ezixabisekileyo ezibonakalayo, ezinjengeentsimbi zegolide, iingqekembe zemali, njl.

2. Ukurhweba kwexesha elifutshane: Kubathengisi bexesha elifutshane, banokunikela ingqalelo kwiindaba zemarike kunye notshintsho lomgaqo-nkqubo wokufumana amathuba okurhweba. Ngokomzekelo, xa isiganeko esikhulu somngcipheko senzeke kwiimarike, amaxabiso esinyithi anqabileyo anokuphakama, kwaye ukuthenga kunokuqwalaselwa ngeli xesha. Kwangaxeshanye, izalathi zoqoqosho olukhulu ezifana nomgaqo-mali webhanki engundoqo kunye notshintsho kwizinga lenzala nazo zinokujongwa ukuze kujongwe imeko yexesha elifutshane yamaxabiso esinyithi axabisekileyo.

3. Investment Combinatorial optimization: kungakhathaliseki utyalo-mali lwexesha elide okanye elifutshane, ingqwalasela kufuneka ihlawulwe kwiiyantlukwano kunye nokulawulwa komngcipheko wepotfoliyo yotyalo-mali. Xa unikezela ngeentsimbi ezixabisekileyo, ulungelelwaniso kunye nezinye iiklasi ze-asethi ezifana nezitokhwe, iibhondi, i-real estate, njl. Ukunciphisa umngcipheko wepotfoliyo yotyalo-mali ngokubanzi ngokudibanisa utyalo-mali.

4. Nika ingqalelo kwimiba ye-geopolitical: Umngcipheko we-geopolitical yenye yezinto ezibalulekileyo ezichaphazela ixabiso leentsimbi ezixabisekileyo. Xa utyalo-mali kwiintsimbi ezixabisekileyo, ingqalelo kufuneka ihlawulwe kwimeko yezopolitiko yamazwe ngamazwe kunye neengxabano ze-geopolitical ukuze kulungiswe izicwangciso zotyalo-mali ngexesha elifanelekileyo.

Isishwankathelo

Imarike yentsimbi exabisekileyo yimarike egcwele amathuba kunye nemingeni. Ukuqonda imbali, imeko yangoku, kunye neendlela ezizayo zemarike, ukuhlalutya unikezelo lweemarike kunye nemfuno, kunye nokuqulunqa iingcebiso zotyalo-mali ezihambelanayo ngokusekelwe kwiinjongo zotyalo-mali lomntu kunye nokunyamezela umngcipheko ngundoqo. Kwinkqubo yotyalo-mali, ukugcinwa kwengqiqo, ukunikela ingqalelo kuguquguquko lweemarike, kunye nokulungelelaniswa kwangexesha iipotifoliyo zotyalo-mali ngundoqo ekufezekiseni ukugcinwa kwe-asethi kunye noxabiso.