Ho\u00eb inflasie, ho\u00eb rentekoerse, oorlog, natuurrampe, weghol-energiepryse en politieke drama het vanjaar die nuus oorheers en beleggers het uitermatige wisselvalligheid in hul beleggings-portefeuljes ervaar. Opbrengste was laag en veral aandelebe\u00adleggers het in baie gevalle vanjaar verliese gely. Die vraag wat ons tans die meeste kry, is: \u201cGaan 2023 beter wees?\u201d<\/p>\n\n\n\n
Ek sou baie graag beleggers wou gerusstel en ja s\u00ea, maar dit sou meer op hoop as op feite gebaseer wees. Makro-ekonomiese faktore waaroor jy as belegger (en ook jou adviseur) geen beheer het nie, bepaal die markomgewing, wat op sy beurt weer bepaal watter bateklasse (aandele, effekte, eiendom of kontant) goed gaan vaar. <\/p>\n\n\n\n
Die hoofoorsaak vir die huidige ekonomiese uitdagings is die kwantitatiewe verruimingsprogramme, wat veral die VSA en Europa in die periode van 2009 tot 2019 gedryf het om die vorige finansi\u00eble krisis te bestuur, en dit in 2020 en 2021 onbepland maar noodgedwonge in \u2019n ho\u00ebr rat om te skakel om die ekonomiese gevolge van Covid-19 te bestuur. Beleggers het in hierdie periode baie goed gevaar (veral in die buiteland) en die Federale Reserweraad in die VSA en die Europese Sentrale Bank (ESB) in Europa het alle probleme probeer oplos deur net nog kapitaal aan die mark en verbruiker beskikbaar te stel wat alle risiko-bates soos aandele en eiendom se pryse ondersteun het.<\/p>\n\n\n\n
Die teenoorgestelde gebeur nou. \u2019n Mens noem die proses kwantitatiewe inperking. Daar is geen beskerming vir beleggers nie en kapitaal word al hoe duurder en skaarser. Die proses gaan waarskynlik drie tot vyf jaar duur, wat beteken dat beleggers versigtig en waarskynlik meer konserwatief sal moet wees om hul kapitaal te beskerm en laer maar sekerder opbrengste te behaal.<\/p>\n\n\n\n
Daar sal wel goeie geleenthede ontstaan en beleggers met kontant sal waarskynlik baie goed vaar indien hul hierdie geleenthede selektief benut. Die prima uitleenkoers is nou 10,50% en die inflasiekoers is 7,60%. Uit ondervinding word inflasieprobleme nie tipies oornag opgelos nie, en koerse kan dalk langer hoog bly as wat \u2019n mens verwag. Hoewel rentekoerse miskien nou met kleiner inkremente gaan styg, is die tendens steeds opwaarts en dit sal so bly totdat inflasie beduidend begin daal.<\/p>\n\n\n\n
Die beste wat beleggers nou kan doen, is eerstens om skuld af te los. Die rente wat jy bespaar (10,50% indien jy die prima koers verdien), is \u2019n baie veilige en redelike opbrengs in vergelyking met die meeste ander beleggingsalternatiewe. Maak seker jy verstaan al die risiko\u2019s van jou bestaande beleggingsportefeulje en dat jy genoeg laerisiko-beleggings het om verdere onbestendigheid te oorbrug. Markte het al in die verlede met heelwat meer gedaal as wat die afgelope jaar gebeur het en groot skade kan gely word indien beleggers noodgedwonge verliese op hul portefeuljes moet realiseer. Vermy dit dus ten alle koste.<\/p>\n\n\n\n
Ervare beleggers sal weet dat hoe jy verliese bestuur, net so belangrik is soos die winste wat jy maak. Kontak ons gerus om jou portefeulje te stres-toets en wees versigtig vir mense wat in hierdie mark ho\u00eb opbrengste beloof. Ons kan ten minste die jaar sonder maskers afsluit en uitsien na 2023, wat ook sy eie uitdagings sal bied.<\/p>\n\n\n\n
\n .<\/span> Emile Janse van Rensburg is \u2019n welvaartbestuurder by PSG Wealth Langebaan; kontak hom gerus by emile.jvrensburg@psg.co.za of 072 634 2559.<\/p>\n\n\n\n \n .<\/span> Die inligting in hierdie artikel is algemene inligting. Dit is nie finansi\u00eble, belasting-, regs- of beleggingsadvies nie en die maatskappye in die PSG Konsult Groep waarborg nie die geskiktheid of potensi\u00eble waarde daarvan nie. Aangesien individuele behoeftes en risikoprofiele verskil, stel ons voor dat jy jou gekwalifiseerde finansi\u00eble adviseur raadpleeg indien nodig. PSG Wealth Financial Planning (Pty) Ltd is \u2019n gemagtigde finansi\u00eble diensverskaffer (FDV 728)<\/b>.<\/p>\n","protected":false},"excerpt":{"rendered":" Ho\u00eb inflasie, ho\u00eb rentekoerse, oorlog, natuurrampe, weghol-energiepryse en politieke drama het vanjaar die nuus oorheers en beleggers het uitermatige wisselvalligheid in hul beleggings-portefeuljes ervaar. 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