Isiqulatho
IiBhanki zoRhwebo e-US
I-Inshurensi yoBomi kunye nee-Annuities e-US
ULingano lwaBucala, iiNgxowa-mali zeHedge kunye neZithuthi zoTyalo-mali e-US
Upapasho lweSoftwe e-US
Ulawulo lwePotfoliyo e-US
Ipropati, Ukwenzakala kunye ne-Inshurensi eNgqo e-US
IiTrasti kunye namafa e-US
Izibhedlele e-US
URhwebo lweNgqesho e-US
I-Inshurensi yezeMpilo kunye neyoNyango e-US
1. IiBhanki zoRhwebo e-US
Iyonke iNzuzo ka-2022: $ 349.7B
Ushishino lweBhanki yezoRhwebo luqulunqwe ziibhanki ezilawulwa yi-Ofisi yoMlawuli weMali, iBhodi ye-Federal Reserve yeeRhuluneli (i-Fed) kunye ne-Federal Deposit Insurance Corporation (FDIC). Iibhanki zenza uninzi lwengeniso yazo ngeemali-mboleko eziphuma kubathengi nakumashishini. Iimali-mboleko zenziwa kumazinga enzala ahlukeneyo aphenjelelwa zizinto ezahlukeneyo, kubandakanywa ireyithi yemali ye-federal (FFR), ireyithi yokuqala, i-creditworthiness yabatyalwayo kunye ne-macroeconomic performance.Kwiminyaka emihlanu ukuya ku-2022, ishishini liye lafumana ukusebenza okuxubeneyo.
2. I-Inshurensi yoBomi kunye nee-Annuities e-US
Iyonke iNzuzo ka-2022: $ 177.0B
Ngokutsho kwe-Federal Reserve kunye ne-American Council of Life Insurers, i-Inshurensi yoBomi kunye ne-Annuities industry yenye yemithombo emikhulu yotyalo-mali e-United States. Ukubamba i-20.0% yazo zonke iibhondi zase-US, abaqhubi beshishini bamele owona mthombo mkhulu wenkxaso-mali yebhondi kumashishini asekhaya. Ngenxa yoko, iinkampani ezininzi zixhomekeke kwiinshorensi zobomi ngenkunzi kunye nokuhlawula amatyala. Nangona kunjalo, eyona mfanelo iphambili yee-inshorensi zobomi kukubanini-polisi; abathengi basebenzisa imigaqo-nkqubo ye-inshurensi yobomi kunye neemveliso ze-annuities zokugcinwa kobutyebi, ukucwangciswa kwezindlu kunye nokonga umhlalaphantsi.
3. ULingano lwaBucala, iiNgxowa-mali zeHedge kunye neZithuthi zoTyalo-mali e-US
Iyonke iNzuzo ka-2022: $ 110.9B
Ishishini laBucala eliLinganayo, iiNgxowa-mali zoTyalo-mali kunye neZithuthi zoTyalo-mali liquka iimali eziphakamisa inkunzi kutyalo-mali kwiindidi ezahlukeneyo zee-asethi. Ii-asethi zeshishini ziye zanda ngokudityaniswa neepotfoliyo zabatyali-zimali bamaziko kunye nemarike enkulu yolawulo lwe-asethi kule minyaka mihlanu ukuya ku-2022. Abatyali-zimali bamaziko ngabantu okanye imibutho ethengisa izibambiso kwimiqulu emikhulu kangangokuba bafanelekele iikomishoni eziphantsi kunye nemimiselo embalwa yokukhusela, ekubeni bacingelwa ukuba banolwazi olwaneleyo lokuzikhusela. Ukwanda kwemfuno kubatyali-mali bamaziko kube negalelo ekunyukeni kwee-asethi zoshishino phantsi kolawulo (AUM) kunye nengeniso ngeli xesha langoku.
4. Upapasho lweSoftwe e-US
Iyonke iNzuzo ka-2022: $ 109.7B
AbaSebenzi kushishino loShishino lweSoftware bayila, baphuhlise kwaye bapapashe isoftwe. Ingeniso yemizi-mveliso yanda ngokukhawuleza kule minyaka mihlanu ukuya kutsho ngo-2022, njengoko amashishini kunye nabathengi besonyusa utyalo-mali lwabo kwisoftware, iikhompyuter, ii-smartphones kunye nemidlalo yevidiyo. Ukunyuka kotyalo-mali lwabucala kwiikhompyuter kunye nesoftware kuvuselele imfuno evela kumashishini, ngelixa inkcitho ephezulu yabathengi ikhuthaza abathengi ukuba bachithe kwisoftware. Ngaphezu koko, izisombululo ezitsha ezisekelwe kwi-intanethi kunye nokuthandwa okukhulayo kwezixhobo eziphathwayo kubangele ukuqhuma kwezicelo zesoftware.
5. Ulawulo lwePotfoliyo e-US
Iyonke iNzuzo ka-2022: $ 109.4B
Abaqhubi beshishini loLawulo lwePotfoliyo balawula iipotfoliyo ze-asethi ngentlawulo okanye ikhomishini. Kule minyaka mihlanu ukuya ku-2022, ishishini liye lafumana iindlela zokuchasana. Uninzi lwexesha, ukunyuka kwee-asethi phantsi kolawulo (i-AUM) ngenxa yokunyuka kwamaxabiso e-asethi kunye nokukhula kwengeniso elahlayo kuye kwanyusa isiseko sabaqhubi beshishini le-asethi abahlawulisa imirhumo. Nangona kunjalo, ukunyuka okuthandwa ngabatyali-zimali kulawulo lwee-asethi ezingenamsebenzi, kubandakanywa neengxowa-mali zotshintshiselwano (ETFs), kuqhube iindleko ezihlawuliswayo kulawulo lwee-asethi ngeli xesha.
6. Ipropati, Ukwenzakala kunye ne-Inshurensi eNgqo e-US
Iyonke iNzuzo ka-2022: $ 108.8B
AbaSebenzi kwi-Inshurensi yePropati, iCasualty kunye ne-Inshurensi eNgqongileyo baxhasa abathengi base-US kunye namashishini ngokubonelela ngokhuseleko emonakalweni ngenxa yeziganeko ezahlukeneyo, ezifana neengozi zemoto, intlekele kunye nokungahambi kakuhle kwezonyango. Abanini be-inshorensi ngokubanzi banokubonelela ngezi nkonzo ngeqhezu lelahleko enokwenzeka ngokudibanisa iipremiyamu zokuhlawulela ilahleko efunyanwa ngabanini-polisi. Ngenxa yoko, ishishini liyinxalenye eyimfuneko yolawulo lomngcipheko kuqoqosho lwasekhaya. Abanini beinshorensi ngokubanzi bafumana ingeniso kwizavenge zeinshorensi kunye nokutyala imali kwiibhondi, kwizitokhwe kunye nezinye ii-asethi.
7. IiTrasti kunye namafa e-US
Iyonke iNzuzo ka-2022: $ 108.0B
Ishishini leTrasti kunye neMihlaba liquka iitrasti, imihlaba kunye neeakhawunti zearhente ezilawulwa egameni labaxhamli phantsi kwemiqathango esekwe kwikhontrakthi yokuthembeka. Ingeniso yoshishino, equlunqwe ikakhulu yinzuzo eyinkunzi kwii-asethi ezithenjwayo kunye nezabelo eziqhelekileyo, ibonise ukonyuka komda kwisithuba seminyaka emihlanu ukuya ku-2022. Ishishini lixhamle kwizivuno ezinkulu kwiimarike ze-equity ukongeza kuxabiso lwamaxabiso ezindlu, okukhokelela ekusasazweni kwe-COVID-19 (coronavirus).
8. Izibhedlele e-US
Iyonke iNzuzo ka-2022: $ 100.8B
Izibhedlele zidlala indima ephambili kwicandelo lokhathalelo lwempilo kwaye zinefuthe elibalulekileyo kwintlalontle yabantu base-US. Ke, ishishini leZibhedlele lelinye lawona mashishini makhulu kwezoqoqosho, anoxanduva malunga ne-5.8% yemveliso yasekhaya yase-US (GDP). Kule minyaka mihlanu ukuya ku-2022, ingeniso yeshishini iye yanda, ixhaswa kukunyuka kwenkcitho yezempilo kunye nokukhula kwe-inshorensi kuninzi lwexesha. Nangona kunjalo, ishishini liye lacinezeleka kakhulu ngubhubhani we-COVID-19 (i-coronavirus), njengoko izibhedlele zilinganisa ukugcwala kwezigulana ezifuna ukhathalelo olumandla, ukunqongophala kwabasebenzi kunye nokunyuka kweendleko.
9. URhwebo lweNgqesho e-US
Iyonke iNzuzo ka-2022: $ 100.7B
Abasebenzi kushishino lokuQesha uRhwebo basebenza njengabanciphisi bezakhiwo ngeenjongo zokungahlali. Abathathi-nxaxheba kushishino baquka abanini-abanini bezakhiwo ezingezizo zokuhlala, amaziko arentisa imihlaba aze asebenze njengabaqeshisi ekuhlawuleni, kunye namaziko abonelela ngendawo yeeofisi ezinenkonzo epheleleyo. Kwiminyaka emihlanu ukuya ku-2022, ukunyuka kwengeniso yomntu ngamnye kukhuthaze amashishini amaninzi ukuba angene emarikeni. Ngaphaya koko, amashishini akhoyo athambekele ekwandiseni imveliso yawo kunye namanqanaba e-inventri ukuze afikelele kwimfuno ekhulayo yabathengi, ngaloo ndlela efuna indawo eninzi.
10. I-Inshurensi yezeMpilo kunye neyoNyango e-US
Iyonke iNzuzo ka-2022: $ 93.8B
Ishishini le-Inshurensi yezeMpilo kunye ne-Inshurensi yezoNyango, eyenziwe ngabathwali bempilo yabucala kunye neyoluntu, i-inshurensi yonyango kunye namazinyo, ibonakaliswe ngokukhula kwiminyaka emihlanu ukuya kwi-2022. Oku kukhula kubangelwa ukunyuka okuqhubekayo kwinkcitho yokunakekelwa kwempilo kunye nokunyuka kweendleko zonyango, ngaphezu kokuhla kwezinga elingaqinisekanga. Ingeniso yeshishini inxulunyaniswa nenkcitho yezempilo iyonke, njengoko abaqhubi benyusa iipremiyamu ukugcina ingeniso. Ngaphaya koko, phakathi kwendyikityha ye-COVID-19 (i-coronavirus), ishishini liye lafumana ukuthontelana kobhaliso ngokwandiswa kokufaneleka kwe-Medicaid, ukongeza kwiindleko zokusebenza ezisezantsi ngenxa yosetyenziso oluphantsi lwezempilo.
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