Imicibisholo ebomvu eya phansi
Ukwesaba ukuwohloka komnotho kuyanda, futhi abatshalizimali bakwa-Wall Street kanye nabahwebi bemali bayazilungiselela ngokufanele ukuze babhekane nezinxushunxushu zezomnotho.
Izimakethe zezimali ziye zaba ukushelela kusukela ekuqaleni kuka-2022, enezinkomba ezinkulu, amasheya, ama-cryptos, nezinye izimpahla ezilahlekelwa yinani elikhulu. Ngalesi sikhathi, kubalulekile ukuqaphela izindlela ezingaba khona zokuphuma ngaphandle kokulinyazwa ezinkingeni ezinjalo.
Nawa amathiphu amahlanu abalulekile kuwe, uma ufisa ukuhlala uzinzile futhi uqhubeke uhlola izimakethe, ngisho naphakathi kokuwa kwesakhiwo somnotho.
1. Jikela ezitokweni ezivikelayo
Njengomthetho wesithupha, izitoko ezivikelayo zinerekhodi lokusebenza kangcono kunezitokwe ezijikelezayo ngezikhathi zokwehla komnotho. Ngokuphambene nobuchwepheshe noma amanye amasegimenti okukhula, izitoko ze-spectrum ezivikelayo ezingezako okuyisisekelo kwabathengi, izinsiza, nokunakekelwa kwezempilo imikhakha ayitholi isidingo esinciphayo ngisho nangaphansi kwezimo eziyinselele. Ngokombiko wakamuva kaMorgan Stanley, ngaphandle kwesitoko samandla, bonke abenza kahle kakhulu bango-2022 bavela kumkhakha wokuzivikela.
Ngakho-ke, abahlanganyeli bemakethe kufanele babheke emikhakheni engeyona eye-cyclical ukuze bathole ukufana kokuvikela phakathi kwamafu azayo okuwohloka komnotho.
2. Ukuthengisa okufushane ukuze uthole izinzuzo zesikhashana
Ukuthengisa okufushane, uhlobo lokuhweba okunenzuzo, kunikeza emakethe abadlali abanethuba lokusebenzisa izimakethe eziwayo. Ngakho-ke, ukuthengisa okufushane kungenye yezindlela ezisebenzisekayo zokuqoqa izinzuzo zesikhathi esifushane kusuka kumanani entengo ezezimali. Ngaphezu kwalokho, lesi sici sifinyeleleka kalula ngokuhweba okuningana kanye nokutshala imali Izinhlelo zokusebenza lapho ungakhetha khona izinsimbi ezinciphayo ozithengisayo.
Kodwa-ke, ungakhohlwa ukuqapha ngokuphathelene nezingozi zalolu hlobo lokuhweba.
3. Zuza imali ngezitoko ezehlayo usebenzisa i-Dollar-cost averaging technique
Umlando ubonisa ukuthi konke ukwehla komnotho kungokwesikhashana, njengoba ukuqhubekela phambili komnotho kanye nezigaba zokuwohloka komnotho zigcina isimo somjikelezo. Nge Indlela yokulinganisa yezindleko zedola, ungathenga kancane kancane izitoko ezinciphayo ezinamandla amakhulu ukuze ugibele igagasi lazo elikhuphukayo langemva kokuwohloka komnotho. Ngale ndlela, iminikelo yakho ingasatshalaliswa esikhathini esithile, kusukela emavikini kuye ezinyangeni, kuncishiswe ubungozi bubonke.
Ngamanye amazwi, le nqubo ikugcina ungekho ekuthengeni yonke idiphu okungenzeka, isikhathi esiningi, ihumushele ekulahlekelweni okukhulu.
4. Hlanganisa isu langemva kokuwohloka komnotho
Kuhlale kuyindlela enhle yokulungiselela ngesikhathi uhlelo lwesu lwangemva kokuwohloka komnotho ukuze kuzuzwe imiphumela yesikhathi eside. Isibonelo, ungagcina umkhondo wezenzakalo zezezimali zomhlaba kanye nokusebenza kwezinkampani ezinkulu nezinkomba, ukuze uhlaziye ama-nuances wokuwohloka komnotho. Ngenxa yalokho, ungabhala uhlelo oluqinile mayelana nendlela yokubhekana nezimakethe ngemuva kwalokho, ukuze uqongelele imiphumela engcono kakhulu.
5. Cabangela izinkampani ezizinzile nezikhokha izabelo nezinye izindlela ezintsha
Ukuze uhlale uzinzile phakathi nokuwohloka komnotho, kufanele ikakhulukazi uphendukele ezinkampanini ezisunguliwe kuphela, ezinemali eningi ephumayo nemali engenayo eshelelayo. Yize lezi zinkampani zingamelana kangcono nengcindezi yezomnotho, kwesinye isikhathi ziphinde zabalalise izinkokhelo zezabelo. Ngaphezu kwalokho, ungacabanga ukuhlukanisa iphothifoliyo yakho ngezigaba eziningi zempahla phakathi nenkathi yesiyaluyalu somnotho ukuze unciphise imithelela emibi.
