Nzira Yokudzivirira Nayo Portfolio Yako Kubva Mungozi Dzemari
Muchikamu chino, tichatarisa pane dhora raizotungamira, chii chinonzi dollar chinoreva, kuti chinokanganisa sei vatengesi, uye izvo vashandi vanogona kuita kuderedza dambudziko mune chero mamiriro ezvinhu.
Simba vs. Weak Dollar
Sangano rekushandiswa kwemari pasi rose rinotengeserana kune mumwe kune mumwe pane pane zvakakosha. Somuenzaniso, haugone kutenga ' euro ' pasina 'kutengesa' madhora. Mutengo we euro inodhora inozivikanwa sechishanduko chekushandura uye inowirirana zvichienderana nehupfumi hwekushanda pamwe nezvimwe zvinhu. Dhora 'rakasimba' rinoreva kuti dollar imwe inotenga mamwe mapoka emari yekunze, nepo 'dhotera' inoreva kuti dollar imwe inotenga mashoma mashoma emari yekunze.
IUnited States yakachengetedza 'simba rekuita dhora' kubva muna 1995, izvo zvinoreva kuti hazviiti kuita nemaune kuedza kudhura dollar nekunze kwenyika dzenyika. Nokuita kudaro, United States yakakurudzira vatengesi vedzimwe nyika kuti vatenge zvivigiro zveHurumende, kutengesa kwezvinhu kwakachengetedzwa, uye mari yakave yakagadzirwa yemari yezvemari sezvo yakatsigirwa nehupfumi hwepasi rose uye hunobudirira zvikuru.
Kubatsirwa kwedhora rakasimba nderekuti rimwe rega rega rinotenga nhamba yakawanda yezvinhu zvakatengeswa mumari dzedzimwe nyika, asi tradeoff ndeyokuti zvinhu zvekumba zvinodhura kune vatorwa vokunze. Munyaya yeChina, izvi zvaireva kuti US inotora $ 483.9 mabhiriyoni apo inotumira $ 116.2 mabhiriyoni kubva kuChina muna 2015.
Izvi zvakagadzira rekodhi $ 367 mabhiriyoni matambudziko ekutengeserana ave akave akakurumbira mune zvematongerwe enyika pakati pevanhu vezvematongerwo enyika.
Impact In Investments
Kuyera kwechiroro kune zvakakosha kune zvose zveUnited States kutengeswa kwemari uye kudyara kune dzimwe nyika.
Iyo yakadzama dollar yakabatsira kuti iwane inflation munguva yema1990, asi kubvira muna 2008 Great Recession , mari yakasimudza yakaita basa reBeral Reserve Reserve zvakaoma. Bhizimusi guru rinoda kuona kuwedzera kwekutengesa kwekusimudzira kukwereta uye kukura kwezvemari, asi dhora rakasimba rinoita izvozvo zvisingabviri. Izvo simba rerairi rinogonawo kuora mwoyo kudiwa kwekumba nekuderedza pasi mitsara yekutengesa, maererano neFred Reserve Reserve chairwoman Janet Yellen.
Dhora rehurumende senzvimbo yepasi rose mari inoreva kuti dzimwe nyika zvakare dzinovimba nehutsika hwayo. Sezvo dhora rave risina mari shoma, mari inotanga kubuda inenge isingabhadhari mabhidha yakawana kudarika $ 3 trillion mune chikwereti chemadhora, maererano neBan for International Settlements. Dhora rinowedzera - uye kuderedza kuwedzera kwemari yemari - zvinogona kugadzira matambudziko nekuita madhora madhora anodhura kubhadhara mumari yemunharaunda yemari.
Kuvhara Peji
Kune nzira dzakawanda dzevatengesi kuti vawane chikwereti chepodhiyo pamusoro pekushambadzira kwemari, asi mari-yakavharidzirwa -kutengesa-inoshandiswa mari ("ETFs") ndiyo inozivikanwa zvikuru.
Mari idzi dzinodzokorora ruzivo rwepakati - sezvinongoita shanduro yemari, asi kuwedzera zvidimbu zvenguva refu zvibvumirano zvinovabatsira kuti vashandure mari dzedzimwe nyika ive madhora pamusana wekubvumirana kusati wabvumirana. Chinangwa ndechekudzikisa kukanganisa kwekufambisa mari pamadhora-mazita ekudzoka kwepodfolio.
Charles Schwab's Michelle Gibley anotaura zvinhu zvinoverengeka zvinokosha zvinofanira kufunga nezvazvo:
- Kugadziriswa Kwemhirizhonga: Mari-yakavharwa mari inowanzoratidza zvishoma kuderera pane zvinyorwa zvisingaverengeki, maererano nenhoroondo zvichienzaniswa neMSCI EAFE Index pakati pe199 na 2016.
- Mhembere vs. Mhedziso-Pfupi-Pfupi: Mari-yakavharwa mari inenge yakasimbiswa pamusoro penguva pfupi sezvo dhora rakasimudzirana nedzimwe mari, asi pane zvishoma zvenguva refu inobatsira.
- Mariro: Mari-yakavharwa mari inokwana mari yakawanda kupfuura mari isingabhadharwi, apo varimi vanofanira kubhadhara mari yekutakura uye bhadha / kubvunza kupararira.
- Diversification: International ETFs dzakagadzirirwa kuparadzanisa chikwereti chekutsvaga kwekutsvaga, asi kubvisa kushandiswa kwemari yemari kunogona kuderedza kuti kusiyanisa.
Muzhinji, vazhinji venguva refu varairimi vanofanira kunamatira kune unhedged mari sezvo vachiwanzoita kuti vakwanise kudzoka zvakakwirira nemari shoma uye zvakasiyana-siyana. Vashandi venguva pfupi uye vanoshingaira vachitsvaga kubatsiro kubva mumamiriro ezvinhu chaiwo, zvisinei, vangave vachida kufungisisa mari-yakavharidzirwa mari yekuderedza njodzi kana kuwedzera pane zvimwe zviitiko.
The Bottom Line
IUnited States yakave yakagara yakasimba yehurumende yehurumende, asi izvi zvinogona kuchinja pamwe nekutungamira kweMutungamiri Trump panyaya yekuumba uye kutengeserana. Kunyange zvazvo hurongwa huri kuramba husingazivikanwi panguva ino, vatengi vanofanirwa kuchengeta mupfungwa kuti simba rakaenzana nekushaya simba kwema dollar zvinokonzerwa sei nemari. Panguva imwe chete, zvakakosha kuziva kuti vashandi venguva refu vangave vachida kusava nehanya nezvengozi idzi uye kubatisisa nematare asina kubhadharwa ehutano hwakanaka hunogadziriswa.