Ugonyo lwe-Covid-19 lonyusa ulindelo lokunyusa umsebenzi wezoqoqosho

Ndibhala le leta ekupheleni kwekota nasekupheleni konyaka-mali, ebone iimeko ezahlukeneyo malunga nokwenzeka kwiimarike, kunye nokwenzeka phakathi kwazo ngokunjalo. Nangona kunjalo, ngaphambi kokuba ndingene kwiinkcukacha, kufuneka ndiqale ndicacise imvelaphi yezoqoqosho.

Ayimangalisi into yokuba, ukungeniswa kwesitofu sokugonya se-COVID-19 ngoku kubeka umbala kuzo zonke iimbono zoqoqosho malunga nokusebenza koqoqosho lwasemva kobhubhane kwaye kubeka amathandabuzo amaninzi kuwo. Nangona kunjalo, sikholelwa ukuba eyona meko inokwenzeka kukuba ukukhula koqoqosho lwehlabathi kuya kuba ngaphezu komndilili walo kule minyaka mithathu izayo. Ezona zizathu zibangela le mbono ikhuthazayo zezi:

• Ukuqaliswa kwezitofu zokugonya, eziza kuvumela ukunyuswa ngokuthe ngcembe kwezithintelo kumsebenzi, ngakumbi kwisiqingatha sesibini sonyaka. Nangona kunjalo, ukukhutshwa kwezitofu zokugonya kuhamba ngcono kwamanye amazwe kunamanye, kwaye oku kuya kunceda ezinye iinkampani ngokukhawuleza kunamanye.
• Mninzi kakhulu umthamo wespare kuqoqosho lwehlabathi. Ke, de abantu abaphelelwe ngumsebenzi banokufumana imisebenzi emitsha, kwaye iinkampani zinokubuyela emsebenzini ngokukhawuleza, kuya kuthatha ixesha ngaphambi kokuba imivuzo kunye namaxabiso anyuke.
• Ke ngoko, iibhanki ezingoovimba ziya kukuvuyela ukugcina inzala iphantsi, ngelixa oorhulumente baya kukulumkela ukunyusa irhafu ngokukhawuleza, ukuba banokuphazamisa ukubuyiswa koqoqosho.

Ulindelo lokukhula koqoqosho ngokubanzi lukhatshwa lulindelo olunxulunyaniswayo lokukhula ngendlela efanayo kwingeniso yeshishini. Oku kukhokelele kwiinzuzo ezingakumbi kumaxabiso esitokhwe kwikota yokugqibela. Uninzi lweemarike ezinkulu zemasheya zinyuka nge-5-10%..

Kukwakho notshintsho kwiindidi zeenkampani ezikhethwa ngabatyali-mali. Kule minyaka ilishumi idlulileyo, kwindawo yokukhula okuncinci, abatyali-mali baye bakhetha kwaye babeka ixabiso elingakumbi kwiinkampani eziphumeleleyo (okanye ekulindeleke ukuba zifezekise) ukukhula kwemivuzo ephezulu. Ezi nkampani zihlala zikwiindawo ezinxulumene netekhnoloji yentengiso. Ubhubhani uye wakhawulezisa ngakumbi ezi ndlela. Ngokukodwa, kwakukho imfuno eqinile yeenkampani ezibonelela ngeteknoloji eyenza umsebenzi wasekhaya kunye nokuhanjiswa kwekhaya.

Nangona kunjalo, kwezi nyanga zimbalwa zidlulileyo, iinkampani eziza kuxhamla ekupheleni kokuvalwa sele ziqalisile ukusebenza, kubandakanya iinqwelomoya, iivenkile zokutyela kunye nokunye. Iinkampani zemigodi, iinkampani ze-oyile kunye namanye amacandelo amashishini anobuthathaka kwezoqoqosho ngaphakathi kwimarike nawo aqalise ukusebenza, njengoko kulindeleke ukuba uqoqosho lwehlabathi lubuyele ezinyaweni zalo.

Kodwa iya kuba phi inkqubela ukusuka apha?

Umfanekiso wokukhula koqoqosho ekubhekiselwe kuwo ngasentla uyancomeka. Kodwa kufuneka siqaphele kwakhona ukuxhomekeka ekuqalisweni kwesitofu sokugonya. Njengoko sele sibonile kumazwe ahambele phambili kwezoqoqosho namazwe asakhasayo, esi siphakamiso sahluke kakhulu. Abatyali-mali baya kubukela inkqubela yakhe ngononophelo.

Enye into esezingqondweni zabatyali-mali okwangoku kukuba namaxabiso aphezulu kwixesha elifutshane. Kodwa asizikhathazi ngalo mbandela, kwaye sikholelwa ukuba nakuphi na ukunyuka kwamaxabiso kuya kuba kokwexeshana ngenxa yomthamo ogqithisileyo kuqoqosho. Ukunyuka kwamaxabiso kufuneka kwehle ngaphantsi koko bekujoliswe kuko koninzi lweebhanki ezingoovimba ekupheleni kwalo nyaka.

Ngokufanelekileyo, sibona indawo eqhubekayo yokuxhasa amaxabiso esitokhwe. Ukukhula ngamandla kwezoqoqosho kunye nengeniso esele ibonwe ibonisa ukuba iinkampani ezinengeniso enxulumene ngokusondeleyo nobutyebi bezoqoqosho ziya kuqhuba kakuhle.

Kodwa kufuneka kwakhona siqonde ukuba abatyali-mali abaninzi balumke ngakumbi malunga nembonakalo, kwaye inkxalabo yabo ephambili kukuba ukunyuka kwamaxabiso kuya kunyuka ngokukhawuleza kwaye kuzinzile kunokuba silindele. Ukuba kubonakala ngathi oku kunyuka kwamaxabiso kuya kubangela ukuba iibhanki eziphambili zinyuse izinga lenzala, kunokubangela amanqanaba aphezulu okuguquguquka kwexabiso lesitokhwe.

Kwabo bazama ukwakha iipotfoliyo zoshishino, imeko inzima kwaye zininzi izinto ekufuneka ziqwalaselwe. Qhubeka isipaji Indlu yokujonga Ukuthambekela kwethu ngokubhekiselele kwizitokhwe ezikumgangatho ophezulu kunye neebhondi ezihlawula imbuyekezo ethembekileyo.

Ngokubhekiselele kwisitokhwe, sikhetha ukuxubana kweemarike eziphuhlisiwe ze-equity yehlabathi. Kwiimarike zebhondi, siyaqhubeka nokuthanda iibhondi zesivuno esiphezulu, kodwa siya kuba nokukhethwa okuphezulu kancinane kwiibhondi zemarike eziphuhlileyo ngaphezu kwamatyala avelayo karhulumente, njengoko yangaphambili iqinisekisa ixabiso elingcono emva kweemeko zempembelelo zakutsha nje.

Siya kuqhubeka ukwenza inzuzo kwi-investment grade corporate bonds. Ngelixa abakhuphi beza kuqhubeka berhweba ngokwanelisayo ngeentsilelo ezisezantsi kwiintlawulo zebhondi, ukunyuka kwamaxabiso okongezelelekileyo akunakwenzeka.

Ngenxa yako konke oku, ukubaluleka kokwahlukahlukana ngononophelo, kunye nokwakha ipotfoliyo enokumelana namaqhuma amaninzi esiwabona endleleni, kodwa okona kubaluleke kakhulu, ngamaqhuqhuva esingawaboniyo.