Mu 2026, mantha akulu a osunga ndalama sadzakhala kugwa kwa msika wamasheya, koma kusankha kampani yolakwika: pamene katundu wanu akukula, zoopsa za nsanja zimayamba kuwonekera.

M'zaka zaposachedwapa, amalonda aku Hong Kong ndi Taiwan akumana ndi nthawi yosayembekezereka ya ndalama zapadziko lonse lapansi.

Kukwera kwa AI kwapangitsa kuti masheya aku US akwere kwambiri, ndalama za digito zalowanso mu dongosolo lazachuma, ndalama za ETF zafalikira kwambiri, ndipo anthu ambiri akuyika ndalama m'misika yapadziko lonse lapansi kudzera pa mapulogalamu am'manja. Komabe, pamene ndalama zoyikira ndalama zikukwera pang'onopang'ono, ambiri akuzindikira kuti chomwe chimakhudzadi phindu la nthawi yayitali si kungogula masheya oyenera, komanso kusankha nsanja yoyenera.

Mu 2026, njira yatsopano yogulira ndalama ikubwera—ogulitsa ndalama akuchoka pa “kufufuza masheya” kupita ku “kufufuza ma brokerage.”

Mu nthawi ya AI, kufunika kwa ma brokerage kukufotokozedwanso.

Zaka zitatu zapitazo, amalonda ambiri ankangoganizira chinthu chimodzi chokha akatsegula akaunti: ndi brokerage iti yomwe ili ndi komishoni yotsika kwambiri?

Koma tsopano, nkhaniyi yakhala yovuta kwambiri.

Ngati nthawi imodzi muli ndi ma ETF a masheya aku US, magawo a Hong Kong, chuma cha dola yaku US, komanso ma cryptocurrencies ena, magwiridwe antchito a nsanjayi, kukhazikika, ndi kuthekera koyang'anira ndalama kwakhala zinthu zofunika kwambiri pa dongosolo lanu loyika ndalama.

Kodi mungathe kuchita malonda nthawi zonse pamene msika ukusinthasintha? Kodi ndalama zitha kusamutsidwa mwachangu? Kodi chithandizo chochuluka bwanji chimaperekedwa kumisika yakunja? Mafunso awa sangakhale omveka bwino pamsika wa bull, koma amawonjezeka pamene msika ukulowa munthawi ya kusasinthasintha kwakukulu.

Chifukwa chake, anthu ambiri akuyamba kuwunikanso makampani ogulitsa omwe amagwiritsa ntchito.

Chitetezo chakhalanso chinthu chofunikira kwambiri kwa osunga ndalama.

Chaka chathachi, mawu osakira okhudzana ndi makampani ogulitsa ma brokerage awonetsa kusintha kwakukulu.

Mwa iwo, "Kodi Futu NiuNiu ndi yotetezeka?" lakhala funso lodziwika bwino m'mabwalo ambiri osungira ndalama komanso m'madera ambiri Kukambirana kwamtunduwu kukuwonetsa chodabwitsa: pamene ndalama zomwe zayikidwa zikukwera, amalonda sakungoganizira za kusavuta koyika maoda, koma za chitetezo cha katundu.

Ndipotu, posankha kampani yogulitsa ma brokerage, mbiri ya malamulo, makonzedwe olekanitsa katundu wa makasitomala, kukhazikika kwachuma, komanso ngati ili ndi luso logwira ntchito m'misika yosiyanasiyana ndizofunikira kwambiri kuposa kungopereka mphotho zotsegulira maakaunti.

Chifukwa kwa omwe akukhala ndi ndalama kwa nthawi yayitali, nsanjayi si chida chogulitsira malonda chokha, komanso ndi malo osungira katundu.

Ndalama zochepa sizikutanthauza kuti ndalama zonse zimakhala zochepa.

Vuto lina losavuta kunyalanyaza ndi ndalama zogulira zinthu.

Amalonda ambiri amazolowera kuyerekeza ndalama zogulira pa nsanja monga Futu ndi NiuNiu, akuyembekeza kupeza nsanja yogulitsira yomwe ili ndi mtengo wotsika kwambiri. Komabe, chomwe chimakhudzadi phindu nthawi zambiri si ndalama zomwe zimaperekedwa pa malonda aliwonse, koma kapangidwe ka mtengo wonse.

Mwachitsanzo:

• Ndalama zosinthira ndalama;
• Ndalama zolipirira ntchito papulatifomu;
• Ndalama zolipirira deta yamsika;
• Ndalama zochotsera katundu ndi zolipirira kubweza katundu;
• Malamulo a malonda a misika yosiyanasiyana.

Ndalama zomwe zikuwoneka ngati zopanda phinduzi zimatha kusonkhanitsa ndalama zambiri pakapita nthawi yayitali komanso kukula kwa katundu.

Makamaka masiku ano, chifukwa cha kugwiritsa ntchito kwambiri ma ETF, amalonda ambiri nthawi zonse amaika ndalama pamsika wamasheya ku US. M'kupita kwa nthawi, kusiyana kulikonse kwa ndalama kudzakhudza mwachindunji phindu lomaliza.

N’chifukwa chiyani anthu ambiri akuyamba kufufuza za rollover?

Kale, kugulitsa zinthu m'masitolo sikunali chinthu chomwe anthu ambiri ankaganizira.

Koma pofika chaka cha 2026, zinthu zasintha.

Pamene amalonda akupeza mwayi wopeza misika yambiri, ambiri akuyamba kusintha momwe amagawira katundu wawo. Ena akufuna kusamalira masheya a ku Hong Kong ndi ku US pamodzi, pomwe ena akufuna kuphatikiza ma ETF, masheya, ndi malo osungira ndalama pa nsanja imodzi.

Chifukwa chake, kusaka "ndalama zotumizira akaunti ya Futu" kwakwera kwambiri .

Izi zikusonyeza kuti anthu ambiri akuganiza zoti aike ndalama m'makampani awo.

Ogulitsa ndalama sakungoganizira za malonda a nthawi yochepa okha; akuyamba kuganizira zomanga njira yosungira ndalama yomwe ingagwire ntchito kwa zaka khumi kapena makumi awiri.

Pamene kukula kwa katundu kukukwera, ndalama zosinthira nsanja, njira zosamutsira, ndi kuyendetsa bwino katundu zimakhala zofunikira kwambiri.

Opambana mu 2026 akuwunikiranso zida zawo zogwiritsira ntchito ndalama.

Zaka khumi zapitazi zakhala zikudzaza ndi nkhani zosiyanasiyana zotentha pamsika wa ndalama.

Kuyambira magalimoto amagetsi ndi metaverse mpaka luntha lochita kupanga ndi ndalama za crypto, mafunde aliwonse apanga opambana atsopano. Komabe, ambiri amanyalanyaza mfundo yakuti amalonda omwe amayenda m'misika yambiri nthawi zambiri amakhala ndi khalidwe lofanana—amaona kuti zida ndi machitidwe ndi ofunika kwambiri.

Chifukwa njira yogulitsira malonda siidziwika, koma kusankha nsanja kumatha kulamulidwa.

Kusankha kampani yoyenera ya brokerage sikutsimikizira kuti mudzakhala ndi chuma chambiri nthawi yomweyo; koma kusankha nsanja yolakwika kungakulitse ndalama zanu nthawi zonse, kuchepetsa magwiridwe antchito anu, komanso kuchepetsa kusinthasintha kwanu pantchito panthawi zovuta kwambiri kwa zaka zikubwerazi.

Mapeto

Mu dziko la ndalama la 2026, mpikisano sulinso wokhudza amene angasankhe masheya abwino kwambiri.

Kugawa katundu, kugwiritsa ntchito bwino ndalama, komanso kusankha nsanja zikukhala njira zatsopano zopambana.

Pamene ndalama zogulira zinthu zikuchulukirachulukira padziko lonse lapansi ndipo zinthu zikuchulukirachulukira, ma brokerage si mapulogalamu ongoyika maoda okha, komanso maziko a dongosolo lonse logulira zinthu.

Msika nthawi zonse udzakhala ndi mutu wotsatira wofunikira, koma amalonda aluso kwambiri nthawi zonse amaonetsetsa kuti chuma chawo chili pa nsanja yokhazikika, yowonekera bwino, komanso yoyenera kugwiritsidwa ntchito kwa nthawi yayitali. Chifukwa chiopsezo chachikulu pakuyika ndalama kwa nthawi yayitali nthawi zina si kusakhazikika kwa msika, koma kulephera kufufuza bwino zida zomwe zilipo.

Wolemba

George Tam ndi mkonzi wamkulu pa “ Kulankhula Ndalama ", wokhala ndi zaka zoposa 15 akugwira ntchito mumakampani opanga ndalama za fintech. Atagwira ntchito m'makampani angapo apadziko lonse lapansi, waona nkhawa yomwe ikukula pakati pa amalonda pankhani ya ndalama zowonekera bwino pazinthu zachuma, kaya ndi ma brokerage, makhadi a ngongole, kapena maakaunti akubanki. George wadzipereka kupereka kusanthula kwakuya kwa kapangidwe ka ndalama zazinthu zosiyanasiyana zachuma kuti athandize owerenga kupanga zisankho zanzeru zachuma.

• George Tam, Mkonzi Wamkulu, TalkMoney.com.hk
• Imelo: hello@talkmoney.com.hk
• LinkedIn: https://www.linkedin.com/in/gt111/
• Facebook: https://www.facebook.com/people/Talk-Money/61565416439533/

Chodzikanira: Nkhaniyi ndi yongopereka chidziwitso chokha ndipo si upangiri wokhudza ndalama. Kuyika ndalama kumabweretsa chiopsezo; chonde sungani ndalama mosamala.