7 IZIXAZULULO Ezilula Zenhlekelele Yezezimali Elandelayo!
Ingabe i-inflation noma i-hyperinflation iyeza? Isibikezelo sethu sokwehla kwamandla emali ka-2021 sikhathaza kakhulu njengoba indaba yokukhuphuka kwamandla emali idlala, kodwa kunezinyathelo ongazithatha namuhla ukuze uvikele ingcebo yakho. Ukwehla kwamandla emali kuza eMelika nase-United Kingdom, nakwezinye izizwe eziningi. Nakhu ukuthi kungani ukwehla kwamandla emali kwenzeka nokuthi singayivikela kanjani imali esiyisebenze kanzima.
Lapho ubhubhane luhlasela ngonyaka odlule, izimakethe zamasheya emhlabeni wonke zehla ngesivinini esikhulu. Umhlaba ubulungiselela ukuvalwa komhlaba wonke futhi bewazi ukuthi umnotho uzohamba kahle.
Ezinyangeni ezimbalwa nokho, izimakethe zibuyile njengoba imakethe yase-US iqeda unyaka ngamanani aphezulu. Inkomba yase-United Kingdom FTSE 100 yenza ukululama okukhulu kodwa yaba ngomunye wabenza okubi kakhulu onyakeni. I-DAX yaseJalimane nayo yalulama ngokugcwele.
Kube ngcono:
Lapho izindaba zokuvunywa komgomo ziphuma, izimakethe zangena embuthanweni womhlaba wonke ekupheleni konyaka. Amanani kawoyela aqale ukusimama naphezu kokushaya izinombolo ezingezinhle ezingakaze zibonwe ngonyaka odlule. Intengo kawoyela manje isimi cishe ku-$60 umphongolo ngamunye, ukululama okukhulu.
Nasi isizathu:
Iningi lezazi zezomnotho kanye nabadayisi baseWall Street bazothi ukusimama kuholwa yizinqubomgomo zezimali nezezimali ezisize umnotho. Ngaphandle kwamabhange amaphakathi angenelele ngokukhululeka kwenani (ukuphrinta imali) nokugcina amanani enzalo emazingeni aphansi kakhulu, kungenzeka ukuthi izimakethe bezingeke zilulame.
Njengoba ohulumeni bevala umnotho wezwe labo futhi becela amabhizinisi ukuthi avale iminyango yawo, kudingeke ukuthi banikeze usizo lwezimali olukhulu kumabhizinisi nakubantu abaphelelwe umsebenzi.
UMongameli Biden usanda kumemezela okumangalisayo Iphakethe lokuhlenga le- $ 1.9 trillion. Njengoba lolu hlobo lwemali lufakwa emnothweni, akumangalisi ukuthi izimakethe zanda. Konke kuzwakala kukuhle, kodwa iyini imiphumela yakho konke lokhu kushukumisa? Ingabe ikhona imiphumela?
YEBO, futhi ziyesabeka:
Kusukela inkinga yezimali ngo-2008 amabhange amaphakathi aqala izinhlelo ezijwayelekile zokunciphisa inani, ukupompa imali entsha emnothweni ngokuthenga amabhondi kahulumeni kanye nezinkampani. Ngo-2020, bakubeke kwelinye izinga lokhu.
Iningi lingaphikisa ngokuthi lalingenayo enye indlela, kodwa singase singena enhlekeleleni yesibili eshintsha umhlaba ngenxa yokwehla kwamandla emali. Ngikholwe, uma ngithi, lokhu kungaba kubi futhi ngesaba kakhulu.
I-stimulus kanye nokwehla kwamandla emali kuxhumene kodwa akulula kangako. Abantu abaningi bacabanga ukuthi ama-dollar amaningi aphrintiwe alingana nedola elibuthakathaka ngoba ukunikezwa kwamadola kuye kwanda, kulula ukuhlinzeka kanye nesidingo.
Lokho kulungile ngokwemibandela eyisisekelo, kodwa kungani singakabi nawo amandla emali vele ngo-2021? Ukwehla kwamandla emali ukukhuphuka kwamanani entengo futhi kukalwa ngezindlela eziningi. Isilinganiso esivamile yi- Inkomba Yamanani Abathengi (CPI) elandelela intengo kabhasikidi wezimpahla ezithengwa ngabathengi.
Isibikezelo samanje se-CPI sika-2021 asibonisi noma yikuphi ukwenyuka kwamanani amakhulu, kodwa ngani? Ukuze amanani enyuke, kufanele kwenyuke isidingo salezo zimpahla namasevisi (ukuthenga nokufunwa). Ukuze ukwehla kwamandla emali kwenzeke kufanele kube nenani elikhulu lemali echithwa ngabathengi.
Lokhu akukenzeki ngoba sisephakathi komqedazwe we-COVID-19 futhi umnotho usaqala ukuvuleka. Yonke le mali yokuvuselela igcwele entwasahlobo, ilungele ukusetshenziswa. Lapho umnotho uvuleka ngokugcwele futhi abathengi behlome ngayo yonke le mali eyengeziwe yokuvuselela, ngibikezela ukuthi kuzoba nokwanda kokusetshenziswa kwemali. Wonke umuntu ubambekile ekhaya kuncane okumele akwenze. Lapho ingozi ye-coronavirus yehla kakhulu, abantu bazogubha. Bazogubha ngemali yabo yokuvuselela!
Amanani kawoyela cishe azokwenyuka, njengoba wonke umuntu ezofuna ukuphinde aqale ukuhamba. Imakethe kawoyela isivele ibikezela ukwehla kwamandla emali esikhathini esizayo ngoba njengamanje isidingo sikawoyela asiphezulu kangako. Sesizibonile izimpawu zokwenyuka kwamanani okudla futhi uma izindawo zokudlela zivulwa futhi ngokungangabazeki kuzoba nokwanda kwezindleko.
Nazi izinombolo ezishaqisayo:
ISIHLOKO ESIHLOBANE NESIQINISEKILE: Ama-Altcoins angu-5 ENGAZIWA AYIKUSASA Le-Cryptocurrency
I-ATIKILI EHLOBANE: I-Stock Market I-MELTDOWN: Izizathu Ezi-5 Zokuphuma MANJE
Ake sibone kahle ukuthi ingakanani imali yokuvuselela engene emnothweni e-United States nase-United Kingdom. NgoMashi 15, 2020, i- I-Federal Reserve imemezele cishe amaRandi ayizigidi eziyizinkulungwane ezingama-700 ekunciphiseni inani elisha ngokuthengwa kwempahla futhi maphakathi nehlobo lika-2020 lokhu kuholele ekwenyukeni kwamadola ayizigidi eziyizinkulungwane ezimbili ze-Federal Reserve’s balance sheet.
Ngo-Mashi 2020, i Ibhange laseNgilandi imemezele amabhiliyoni angama-£645 ekunciphiseni inani, ama-£745 billion ngoJuni 2020 kanye namabhiliyoni angama-£895 ngoNovemba 2020. Beka lokho kumbono ngohlelo lokugcina lokunciphisa inani olwenziwa yiBhange LaseNgilandi obekungu-£445 billion isiyonke ngonyaka wezi-2016.
Ukuphrinta (ukunciphisa inani) le mali eningi kwehlisa kakhulu inani ledola ($) kanye nephawundi (£) futhi uma selingenile ohlelweni, singathola ukwehla kwamandla emali. Ukwehla kwamandla emali kulimaza ngesizathu esisodwa; imali yakho oyisebenze kanzima iba yigugu futhi uzodinga eningi ukuze uthenge into efanayo. Uma lokhu kusebenza ezintweni ezifana nokudla nezindlu, siba nenkinga enkulu. Ukwehla kwamandla emali kanye nokuntuleka kwemisebenzi yizinto ezimbili ezimbi kakhulu ezesatshwa osomnotho abaningi.
Sisendaweni engaziwa ngempela njengoba lolu hlobo lobunjiniyela bezezimali olwenziwe ngo-2020 lungakaze lwenzeke ngaphambilini. Umphumela omubi kakhulu futhi omubi kakhulu kungaba yi-hyperinflation. Nakuba ukwehla kwamandla emali kuyisilinganiso sokukhuphuka kwamanani ezimpahla namasevisi, hyperinflation ukwehla kwamandla emali kukhuphuka ngokushesha. Ngokujwayelekile lokhu kuchazwa njengokungaphezulu kwama-50% ngenyanga.
Nansi indlela ongayivikela ngayo imali yakho oyisebenze kanzima:
1) Idola kanye nephawundi kungase kubhujiswe, ngakho akuwona umqondo omuhle ukubamba imali oyilondolozile ngalezo zimali. Ungafaka imali yakho kwezinye izinhlobo zezimali ezisengozini encane yokwehliswa, kodwa usemseni kahulumeni kanye nebhange elikhulu elikhipha lolo hlobo lwemali.
2) Uma ukwehla kwamandla emali kuwukukhuphuka kwamanani entengo yezinto kanye nokwehla kwenani lemali, khona-ke inketho elula ukubamba izinto eziningi! Izinsimbi ezisindayo ziyindawo enhle yokuqala, igolide liwuthango oluyintandokazi lokwehla kwamandla emali kanye nesinye sezitolo ezindala kakhulu zenani. Isiliva nalo liwusizo ikakhulukazi njengesitolo senani njengoba isiliva linesidingo esikhulu sezimboni, kungashiwo okufanayo ngethusi, i-palladium neplatinamu. Isidingo salezi zinsimbi sizoba sikhulu njengoba amazwe anjenge-China ne-India ethuthuka ngezimboni.
I-3) Amafutha enziwa ngamadola ase-US ngokuvamile, ngakho-ke njengoba idola linciphisa amanani kawoyela kufanele akhuphuke. Kodwa-ke, intengo kawoyela inqunywa ukuhlukahluka okuningi kokunikezwa kanye nesidingo futhi noMongameli Biden eWhite House imisebenzi kawoyela ayibukeki iphephe kangako. Uguquko lwamandla aluhlaza lubeka engcupheni enkulu isidingo sikawoyela.
4) Amasheya angenye inketho, nokho akuyona ephephile ikakhulukazi njenge stock market ngokuvamile ukwehla ngezikhathi zokwehla kwamandla emali okulindelekile. Ukunamathela emasheya ezinkampanini ze-blue-chip, abavukuzi nabathengisi cishe kuyindlela ephephe kunazo zonke ongahamba ngayo.
5) Bitcoin futhi cryptocurrencies ziye zanda muva nje, ngenxa yokuthi ngokwengxenye abantu bakhathazekile ngezimali ezisekelwa uhulumeni ezincishiswayo. Ohulumeni abakwazi ukulawula i-Bitcoin futhi intengo inqunywa kuphela ukunikezwa nokufunwa. Kodwa-ke, i-Bitcoin iyaguquguquka futhi njengoba sitholile ngesikhathi sethu ucwaningo ilawulwa abatshalizimali abambalwa abakhulu (imikhomo). Uma ungakwazi ukwamukela ukushintshashintsha okukhulu kwentengo, khona-ke i-Bitcoin ingase ibe yinto enhle kuwe!
6) Ukutshala imali ezindlini nasemhlabeni nakho kuyindlela enhle yokunqanda ukwehla kwamandla emali, nokho-ke, lezi zimakethe ziphinde zilawulwe ezinye izinto eziguquguqukayo zokuhlinzekwa kwezidingo kanye nezidingo hhayi inketho ngaphandle uma unesamba esikhulu semali esele. Ungatshala imali ku-a Izindleko zamasheya REIT ETF, ehweba njengenkampani emakethe yamasheya. Ukuthenga amasheya ambalwa esikhwama se-REIT kukuvumela ukuthi uthole ukuchayeka emakethe yezindlu ngemali encane kakhulu.
7) Indlela ecatshangelwayo yokuvikela ukwehla kwamandla emali, kungaba ukufinyeza (ukubheja ukuthi yehla ngentengo) idola noma iphawundi. Abathengisi abaningi abadayisi bayakuvumela ukuthi wenze uhwebo olunjalo. Ungabheja ngenkomba yedola noma uhwebe ngamapheya emali.
Uhulumeni namabhange amakhulu bazokwenzani uma ukwehla kwamandla emali noma i-hyperinflation kufika ngo-2021?
Amabhange amakhulu azovame ukugxila ekunyuseni inzalo, lokhu kukhuthaza abantu ukuthi bonge imali futhi bangayisebenzisi, ngaleyo ndlela kunqandwe ukwehla kwamandla emali. Kodwa-ke, inzalo ephezulu inganciphisa umnotho njengoba amabhizinisi nabantu bengakwazi ukuboleka imali engaka ngenxa yezinga eliphezulu lenzalo okufanele balikhokhe. Ngesikhathi sokwehla komnotho, yingakho nje amabhange amakhulu ehlisa inzalo, ukuze kuthuthukiswe umnotho. ibhalansi enhle kanye nomsebenzi onzima kakhulu ukuthi amabhange amakhulu awufeze.
Izinga eliphezulu lenzalo nalo libi emakethe yamasheya, uma isivuno samabhondi (inzalo) siqala ukukhula, abatshalizimali bazothengisa amasheya abo bese bethuthela kumabhondi ukuze bathole imbuyiselo ephephile neningi.
Nakhu okusemqoka:
Embulungeni yonke, kuzodingeka silinde futhi sibone. Akukho okuningi ohulumeni namabhange amakhulu angakwenza njengamanje futhi ukwehla kwamandla emali kungase kugwemeke. Nokho, ngokomuntu ngamunye, ungazibambi izimali ezifana nedola laseMelika kanye nopondo waseBrithani. Bheka ukutshala imali eyengeziwe ezinsimbini ezisindayo, ezimpahleni, naku-cryptocurrencies.
Ingabe ukwehla kwamandla emali kuyeza? Yebo. Ingabe i-hyperinflation iyeza? Mhlawumbe, ngethemba ngobuqotho ukuthi ngeke. I-inflation kanye ne-hyperinflation kungenzeka futhi kuzophinde kwenzeke futhi awufuni ukuba ngumuntu ophethe ibhala lamadola angamakhulu amadola ukuthenga ilofu yesinkwa!
Chofoza lapha ukuze uthole izindaba eziningi zezimali.
Sidinga usizo LAKHO! Sikulethela izindaba ezingahloliwe ze MAHHALA, kodwa lokhu singakwenza kuphela ngenxa yokusekelwa ngabafundi abathembekile njengalokhu WENA! Uma ukholelwa enkulumweni yamahhala futhi ujabulele izindaba zangempela, sicela ucabangele ukusekela umgomo wethu ngokuthi ekubeni umlandeli noma ngokwenza a umnikelo owodwa lapha. I-20% ye KONKE izimali zinikelwa kumakadebona!
Lesi sihloko singenzeka ngenxa yethu kuphela abaxhasi nabaxhasi!
By Richard Ahern - I-LifeLine Media
Contact: Richard@lifeline.news
Okubhekwayo
1) UJoe Biden usayina umthethosivivinywa wokuvuselela u-$1.9tn ube ngumthetho: https://www.ft.com/content/ecc0cc34-3ca7-40f7-9b02-3b4cfeaf7099
2) Ukunikezwa kanye Nesidingo: https://corporatefinanceinstitute.com/resources/knowledge/economics/supply-demand/
3) Incazelo ye-Inflation: https://www.economicshelp.org/macroeconomics/inflation/definition/
4) Inkomba Yentengo Yabathengi: https://www.bls.gov/cpi/
5) Ukunciphisa inani: https://en.wikipedia.org/wiki/Quantitative_easing
6) Kuyini ukuncishiswa kwenani?:https://www.bankofengland.co.uk/monetary-policy/quantitative-easing
7) Ukwehla kwamandla emali: https://www.investopedia.com/terms/h/hyperinflation.asp
8) IDATHA Ecindezelayo Ibikezela Ukuphahlazeka Kwe-BITCOIN Okubhubhisayo ngo-2021 Kungase Kuza!: https://www.youtube.com/watch?v=-kbRDHdc0SU&list=PLDIReHzmnV8xT3qQJqvCPW5esagQxLaZT&index=7
9) Ungatshala kanjani imali ku-real estate ngama-ETF: https://www.justetf.com/uk/news/etf/how-to-invest-in-real-estate-with-etfs.html
Joyina ingxoxo!