Ungasali Ngemuva: Ukuzulazula Olwandle Olune-Inflationary

Ukwehla kwamandla emali kubhekisela ekwenyukeni okuqhubekayo kwezinga lentengo elivamile lezimpahla namasevisi emnothweni ngokuhamba kwesikhathi. Kubangela ukwehla kwamandla okuthenga emali - idola namuhla lizothenga ngaphansi kwedola kusasa. Amabhange amakhulu azama ukukhawulela ukwehla kwamandla emali, futhi agweme ukwehla kwamandla emali, ukuze agcine umnotho usebenza kahle.

Kunezilinganiso ezihlukahlukene zokwehla kwamandla emali, njenge-Consumer Price Index (CPI), Inkomba Yentengo Yomkhiqizi (PPI), kanye ne-Gross Domestic Product deflator (i-GDP deflator). Ukwehla kwamandla emali kungaba nemiphumela emihle nemibi emnothweni, futhi kubalulekile ukuthi abakhi benqubomgomo baqaphe futhi balawule ukwehla kwamandla emali ukuze kugcinwe uzinzo kwezomnotho.

Kuyini I-Inflation Futhi Isebenza Kanjani?

Sesiyazi ukuthi kuyini ukwehla kwamandla emali, ngoba sonke sizizwa nsuku zonke. Kuyiphupho elibi kwezezimali nelomzwelo. Imali yethu ayifiki kude futhi asikwazi ukuthenga okungaka. Amanani ayakhuphuka futhi kubonakala sengathi akukho okungamisa lesi sitimela esibalekayo.

Incazelo yezomnotho ye-inflation icacile: Ukwehla kwamandla emali kuwukwenyuka okuqhubekayo kwezinga lentengo elivamile lezimpahla namasevisi emnothweni ngokuhamba kwesikhathi.

Ingalinganiswa kusetshenziswa izinkomba ezihlukahlukene, njenge-Consumer Price Index (CPI), Inkomba Yentengo Yomkhiqizi (PPI), kanye ne-Gross Domestic Product deflator (i-GDP deflator).

Ukwehla kwamandla emali kwenzeka uma kunesidingo eseqile sezimpahla namasevisi. Uma kubekwe ngendlela ehlukile, isidingo sikhulu kunokunikezwa, okwenza amanani enyuke. Kucabange njengebhaluni - njengoba umoya owengeziwe wengezwa, ibhaluni liya liba likhulu futhi inani lalo liyakhula.

Izimbangela Zokwehla kwamandla emali

Asigxumele kukho - Yini ebangela ukwehla kwamandla emali?

Ukwehla kwamandla emali kungase kubangelwe izici eziningana, ezifana nokwehla kwamandla emali okufunwayo, ukwehla kwamandla emali okuphushayo, kanye nokwehla kwamandla emali. Ukwehla kwamandla emali okudingwa yisidingo kwenzeka lapho umnotho ukhula ngokushesha futhi kunesidingo esikhulu sezimpahla nezinsizakalo, okuholela ekwenyukeni kwengcindezi emananini.

I-Cost-push inflation kwenzeka lapho izindleko zokukhiqiza zikhuphuka, njengokukhuphuka kwamanani entengo yezinto ezingavuthiwe noma ukukhuphuka kwamaholo. Ukwehla kwamandla emali kwenzeka uma kunokwenyuka kwemali, okuholela ekutheni imali eyengeziwe ijahe inani elifanayo lezimpahla namasevisi, inyuse amanani.

Umthelela Wokwehla kwamandla emali emnothweni

Ukwehla kwamandla emali kungaba nomthelela omkhulu emnothweni. Yehlisa amandla okuthenga emali, ngakho idola namuhla lizothenga ngaphansi kwedola kusasa. Lokhu kungaholela ekwehleni kokuncintisana, njengoba izimpahla zasekhaya namasevisi kubiza kakhulu uma kuqhathaniswa nalawo avela kwamanye amazwe.

Ukwehla kwamandla emali nakho kungadala ukungaqiniseki futhi kwenze kube nzima ukuthi amabhizinisi ahlelele ikusasa. Kucabange njengokudlala umdlalo wezihlalo zomculo - njengoba umculo ushesha, kuba nzima kakhulu ukuthola isihlalo ongahlala kuso.

Ukuvikela Izimali Zakho Esimweni Sokwehla Nokwehla kwamandla emali

Ukuze uvikele izimali zakho esimweni sokwehla kwamandla emali, kubalulekile ukuhlukanisa ukutshalwa kwezimali kwakho futhi wehlise isikweletu. Cabangela ukutshalwa kwezimali ezimpahleni okungenzeka kancane ukuthi zithintwe ukwehla kwamandla emali, njengezindlu ezithengiswayo, izimpahla, nezitoko ezingenabungozi obuncane.

Ungaphinda ucabangele ukuthenga izibambiso ezivikelwe ngokwenyuka kwamandla emali, njenge-Treasury Inflation-Protected Securities (TIPS). Ukunciphisa isikweletu kungakusiza ugcine amandla akho okuthenga futhi ubhekane nemiphumela yokwehla kwamandla emali.

Iqhaza Lamabhange Amaphakathi Ekulawuleni Ukwehla kwamandla emali

Amabhange amakhulu adlala indima ebalulekile ekulawuleni ukwehla kwamandla emali ngokulungisa izilinganiso zenzalo kanye ukuphatha imali. Ngokulawula ukuphakelwa kwemali, amabhange amakhulu angasiza ukulawula ukufunwa kwezimpahla nezinsizakalo futhi avimbele ukwehla kwamandla emali ukuthi kungalawuleki.

Ukulungisa izilinganiso zenzalo kungasiza futhi ukulawula ukwehla kwamandla emali ngokwenza kubize kakhulu kubantu namabhizinisi ukuboleka imali, ukwehlisa isidingo nokusiza ukugcina amanani ezinzile. Cabanga ngamabhange amakhulu njengabasekeli bomdlalo wezomnotho - asiza ukugcina yonke into ilungile futhi ilingana.

Izeluleko Ezisebenzayo Zokubhekana Nokwehla kwamandla emali

• Dlulisa Ibhalansi Yekhadi Lesikweletu Le-APR Ephakeme: Ukuze unciphise izindleko zakho, cabanga ngokudlulisela ibhalansi ephezulu yekhadi lesikweletu le-APR ekhadini eline-APR engu-0% izinyanga ezingu-6-18. Lokhu kungakusiza ukuthi wonge ngenzalo futhi kukunikeze imali engenayo eningi ukuze ubhekane nemiphumela yokwehla kwamandla emali.
• Tshala Kumasheya Avikelwe Nge-Inflation: Cabangela ukutshala izimali ezibambiso ezivikelwe ngokwenyuka nokwehla kwamandla emali, njenge-Treasury Inflation-Protected Securities (TIPS), ezingasiza ukuvikela ukutshalwa kwezimali kwakho emiphumeleni yokwehla kwamandla emali.
• Diversify Your Investments: Ukwehlukanisa ukutshalwa kwezimali kwakho kunhlobonhlobo yezimpahla, njengezindlu ezithengiswayo, impahla, nezitoko, kungakusiza uvikele izimali zakho ekwenyukeni kwamandla emali.
• Gwema Ukugcina Imali Ngaphansi Komatilasi: Ungagcini ukheshi ngosuku lwemvula ngaphansi komatilasi – ukwehla kwamandla emali kuzoliqeda inani ngokushesha okukhulu. Kunalokho, cabanga ukutshala imali ezimotweni ezinobungozi obuncane, ezibuyisela imali encane njengama-akhawunti okonga, ama-CD, noma izimali zemakethe yemali.
• Gwema Izimpahla Nezinkonzo Okushaywe Kakhulu Ukwehla kwamandla emali: Ukuze usize ukwehlisa umthelela wokwehla kwamandla emali, gwema izimpahla namasevisi athintwa kakhulu ukwehla kwamandla emali, njenge ukuthenga okunethezeka ukuthi ungakwazi ngempela ukwenza ngaphandle.
• Gcina Umsebenzi Wakho: Gwema ukwenza izinto ezingase zikwenze ulahlekelwe umsebenzi endaweni lapho amanani entengo ekhuphuka kancane. Gxila ekwakheni amakhono akho, uthuthukise ukusebenza kwakho komsebenzi, futhi uzenze ubaluleke kakhulu kumqashi wakho.
• Yehlisa Isikweletu: Ukunciphisa isikweletu kungakusiza ugcine amandla akho okuthenga futhi ubhekane nemiphumela yokwehla kwamandla emali. Gxila ekukhokheleni izikweletu ezinenzalo ephezulu kuqala, futhi ucabangele ukuhlanganisa izikweletu zakho ukuze unciphise izinkokhelo zakho zenzalo.
• Thenga Okuhlakaniphile: Thatha ithuba lokuthengisa namaphromoshini, futhi ucabange ukuthenga ngobuningi lapho amanani ephansi ukuze wonge imali ngokuhamba kwesikhathi.

Ngokulandela lawa macebiso, ungasiza ukuvikela izimali zakho futhi ubhekane nemiphumela yokwehla kwamandla emali. Khumbula, ukhiye uwukuba ubambe iqhaza futhi ulawule izimali zakho, kunokuba ube yisisulu sokwehla kwamandla emali.