Sekuyiminyaka emihlanu impela edlule, emuva ngoNovemba 2014, lapho ngaqala khona iphothifoliyo yokukhula kwezabelo futhi ngabika lonke ushintsho lapha eNingizimu Afrika kusukela ngaleso sikhathi.
Umgomo bekuwukuzibonakalisa kimi ukuthi ukutshala izimali zokukhulisa izabelo kuyasebenza nokuthi kungaletha inzuzo ehlala ikhula engasebenza njengesixazululo semali engenayo ngesikhathi sokuthatha umhlalaphansi noma njengomthombo oqhubekayo wemali ukuze uphinde utshalwe.
Kuyo yonke le minyaka, izabelo ziye zanda ngempela, futhi isamba sesabelomali sekota sikhuphuke sisuka ku-$1,000 saya cishe ku-$1,500.
Isamba senani lephothifoliyo nalo likhule ngesilinganiso esifanayo, likhula lisuka ekuqaleni lika-$100,000 laya cishe ku-$148,000.
Ulwazi engiluthole phakathi neminyaka emihlanu yamuva lungivumele ukuba ngithuthuke futhi ngivivinye ifilosofi yami.Labo ababengilandela kuyo yonke le minyaka bayazi ukuthi ngangingenzi izinguquko kwiphothifoliyo, ngengeza izinto ezintsha ngezikhathi ezithile ngezikhathi zokuhlehla kwemakethe.
Kodwa unyaka wakamuva, futhi ikakhulukazi lapho ngihlanganisa izinto ezinyangeni ezizayo eziyi-12 kuye kweziyi-18, kungenze ngafinyelela esiphethweni sokuthi izingozi ziphezulu kakhulu kunangaphambili.
Kunezici ezimbalwa ezishaqisayo ezingidonse amehlo futhi zangiholela esinqumweni sokuthengisa u-60% wephothifoliyo yami, ngincamela ukheshi futhi ngibheke amathuba angcono okutshala imali.
Isici sokuqala esibambe ukunaka kwami amandla edola.Izinga lenzalo enguziro noma elisondela ku-zero emhlabeni wonke liholele iningi lamabhondi kahulumeni, ikakhulukazi eYurophu nase-Japan, ukuthi ahwebe ngesivuno esibi.
Isivuno esibi yinto umhlaba ongakayiqondi ngokugcwele, futhi umphumela wokuqala engiwubonile ukuthi imali efuna isivuno esihle ithole izulu eliphephile ngaphakathi kwe-US Treasury bond.
Lokhu kungase kube enye yezinto ezithuthukisa amandla edola uma kuqhathaniswa nezinhlobo zemali ezinkulu, futhi sake sabona lesi simo ngaphambilini.
Emuva engxenyeni yokuqala ka-2015, kwakukhona ukukhathazeka okuningi ukuthi amandla edola azoba nomthelela emiphumeleni yezinkampani ezinkulu, njengoba idola eliqinile libonakala njengento engafaneleki yokuncintisana lapho ukukhula kulindeleke ukuthi kuvele ekuthengiseni kwamanye amazwe.Kubangele ukuhlehla kwemakethe okukhulu ngenyanga ka-Agasti 2015.
Ukusebenza kwephothifoliyo yami kuxhumene kakhulu nokwehla kwesivuno sebhondi yase-US yesikhathi eside.I-REITs kanye ne-Utilities ikakhulukazi ijabulele lowo mkhuba, kodwa kunothi elifanayo, njengoba izintengo zesitoko zikhuphuka, isivuno se-dividend sehle kakhulu.
Idola eliqinile lithinta umongameli futhi inqwaba yama-tweets kamongameli anikezelwe ukukhuthaza i-Fed ukuthi yehlise amanani ngaphansi kweziro futhi ngalokho yenza buthaka imali yasendaweni.
I-Fed icabanga ukuthi iqhuba inqubomgomo yayo yezimali ngokungaziwa kuwo wonke umsindo okhona.Kodwa ezinyangeni ezisanda kwedlula eziyi-10, ikhombise inqubomgomo emangalisayo engu-180-degree.Kwakungaphansi konyaka owedlule lapho sasiphakathi nendawo yokukhuphuka kwezinga lenzalo sicabangela ukunyuka okuningana ngo-2019 futhi mhlawumbe nango-2020, okwaguqulwa ngokusobala kwaba ukusikeka okungu-2-3 ngo-2019 futhi ubani owaziyo ukuthi bangaki ngo-2020.
Izenzo ze-Fed zichazwe njengendlela yokubhekana nokuthamba okuthile ezinkomba zezomnotho kanye nokukhathazeka okuqhutshwa ukunensa emnothweni womhlaba kanye nezimpi zohwebo.Ngakho-ke, uma ngempela kunokuphuthuma okungaka kokushintsha inqubomgomo yezimali ngokushesha okungaka futhi ngobudlova, izinto cishe zinzima kakhulu kunalokho okukhulunywa ngakho.Okungikhathazayo ukuthi uma kunezindaba ezimbi kakhulu, ukukhula okuzayo eminyakeni ezayo kungaba ngaphansi kakhulu kunalokho esike sakubona esikhathini esidlule.
Ukusabela kwezimakethe ezenzweni ze-Fed nakho kuyinto esiyibonile ngaphambili: Uma kunezindaba ezimbi, lokho kungase kuholele i-Fed ekwehliseni izilinganiso zenzalo noma ifake imali eningi ohlelweni nge-QE futhi amasheya azohlangana kusengaphambili.
Angiqiniseki ukuthi izobamba lesi sikhathi ngokusekelwe kusizathu esilula: okwamanje ayikho i-QE yangempela.I-Fed imemezele ukulumisa kusenesikhathi uhlelo lwayo lwe-QT, kodwa akukho mali eningi entsha okulindeleke ukuthi ingene ohlelweni.Uma ikhona, ukushoda kukahulumeni kwe- $1T okuqhubekayo ngonyaka kungaholela ezinkingeni ezengeziwe ze-liquidity.
Ukukhathazeka kwe-Fed ngempi yezohwebo kusibuyisela kumongameli kanye nenqubomgomo enkulu yentela ayisebenzisayo.
Mina ngokwami ngiyaqonda ukuthi kungani umongameli ezama ukuhlehlisa izinhlelo zeShayina zokuthatha iMpumalanga futhi afinyelele isikhundla sokuba namandla amakhulu.
AmaShayina awafihli izinhlelo zawo zokuba usongo olukhulu e-US hegemony emhlabeni wonke.Kungakhathaliseki ukuthi i-Made-in-China 2025 noma i-Belt and Road Initiative enkulukazi, izinhlelo zabo zicacile futhi zinamandla.
Kodwa angiwathengi amazwi okuzethemba mayelana nekhono lokwenza amaShayina asayine isivumelwano ezinyangeni eziyi-12 ngaphambi kokhetho olulandelayo.Kungaba yi-naïve ngandlela-thile.
Umbuso waseShayina uphethe ukulandisa kokubuya kweminyaka eyikhulu yokuhlaziswa kwesizwe.Yakhiwa eminyakeni engu-70 edlule futhi isasebenza nanamuhla.Lokhu akuyona into yokuthatha kalula.Lesi yisisusa esiyinhloko esiyenza isebenzise isu layo kanye nokushayela la maphrojekthi amakhulu.Angikholwa ukuthi kukhona isivumelwano sangempela esingafinyelelwa ngakho ngumongameli ongase abe umongameli wangaphambili esikhathini esingangonyaka kusukela manje.
Okubalulekile wukuthi ngiwubona unyaka ozayo ugcwele imigilingwane yezepolitiki, inqubomgomo yezimali edidayo, nomnotho uba ntekenteke.Noma ngizibona ngiwumtshali-zimali wesikhathi eside, ngincamela ukubeka enye yemali yami eceleni bese ngilinda umkhathizwe ocacile kanye namathuba angcono okuthenga.
Ukuze ngibeke phambili izinto ezibanjiwe futhi nginqume ukuthi yiziphi engizozithengisa, ngibheke uhlu lwezinkampani ezithile ezibanjiwe futhi ngenza imephu izici ezimbili: Isivuno samanje sembuyiselo kanye nesilinganiso sokukhula kwesabelomali.
Uhlu oluphuzi olugqanyisiwe kuthebula elingezansi luwuhlu lwezimpahla enginqume ukuzithengisa ezinsukwini ezizayo.
Isamba senani lalezi zimpahla engiziphethe lifinyelela ku-60% yenani eliphelele lephothifoliyo yami.Ngemva kwezintela, cishe izosondela ku-40-45% yenani lilonke, futhi leli inani eliphusile lemali engincamela ukulibamba okwamanje noma ukuthuthela kwenye imali etshaliwe.
Iphothifoliyo obekuhloswe ngayo ukuletha isivuno se-dividend engu-4% futhi ikhule ngokuhamba kwesikhathi ilethe ukukhula obekulindelekile ku-dividend kanye ne-value value fronts futhi eminyakeni emihlanu yethule ukwenyuka okungu-~50%.
Njengoba izimakethe zisondela ekuphakameni kwesikhathi sonke kanye nenani lokungaqiniseki liyanqwabelana, ngincamela ukukhipha ingxenye enkulu emakethe bese ngilinda eceleni.
Ukudalula: Ngingu/siyinde BBL, UL, O, OHI, SO, SCHD, T, PM, CVX, CMI, ETN, ICLN, VNQ, CBRL, MAIN, CONE, WEC, HRL, NHI, ENB, JNJ, I-SKT, HCP, VTR, SBRA.Ngibhale lesi sihloko ngokwami, futhi siveza imibono yami.Angitholi sinxephezelo ngakho (ngaphandle kokuthi Ukufuna i-Alpha).Anginabo ubudlelwano bebhizinisi nanoma iyiphi inkampani okukhulunywa ngayo isitoko sayo kulesi sihloko.
Ukudalula okwengeziwe: Imibono yombhali ayizona izincomo zokuthenga noma ukuthengisa noma yisiphi isibambiso.Sicela wenze olwakho ucwaningo ngaphambi kokwenza noma yisiphi isinqumo sokutshala izimali.Uma ufuna ukuthola izibuyekezo njalo kuphothifoliyo yami, sicela uchofoze inkinobho ethi "Landela".Ukutshala imali okujabulisayo!
Isikhathi sokuthumela: Feb-21-2020