Abona baThengisi baPhambili ba-5 kwi-eToro 2021 baFunda isiKhokelo soRhwebo sesi-2!

18 Julayi 2020 | Ukuhlaziywa: 16 Juni 2021

Abarhwebi abagqwesileyo kwi-eToro, indawo yamakhulu abarhwebi abangxolayo bonke bekhwaza bekloloda kwiscreen esikhulu emhadini wokurhweba kunqabile ukuba kubonwe kwezi ntsuku, baninzi abantu abathengisa kwi-Intanethi.

Ukuba ungumtyali mali omtsha ngokufumana iinyawo zakho, ngoku uyakwazi ukulinganisa ukurhweba ngempumelelo ngakumbi, abathengisi abanamava ngokulula. Olu lwazi lokurhweba luyafumaneka ngokusebenzisa into entsha ebizwa ngokuba kukuthengisa ikopi. 

Ukukopa umrhwebi kuthetha ukuba akukho mfuneko yokuba wenze nawuphi na umsebenzi wesikolo ngokwakho. Ewe kunjalo, loo nto ayithethi ukuba ayizukuza nayo nayiphi na ingozi- olo hlobo lwentengiso. Nangona kunjalo, imeko yokuthengisa ikopi ilawulwa ubukhulu becala yi-eToro-iqonga ngoku elikhaya labathengisi abangaphezu kwezigidi ezili-12.

Ukukunceda ukukhomba kwicala elifanelekileyo, wSibeke ndawonye isikhokelo kubarhwebi aba-5 ababalaseleyo kwi-eToro. Oku kukwagubungela into ekufuneka uyazi malunga nokuthengisa ikopi ukuze uqalise kwaye ubaluleke kakhulu - into ekufuneka uyenzile xa ukhetha umrhwebi onamava odibana neenjongo zakho zexesha elide zokutyala. 

Uluhlu Yemixholo

     

    Funda iiNkonzo ezi-2 zeNtengiso yeeNqaku eziSimahla

    Amanqaku e-LT2

    • Fumana imiqondiso emi-3 yasimahla ngeVeki nganye
    • Akukho Ntlawulo okanye Iinkcukacha zeKhadi ezifunekayo
    • Vavanya ukuSebenza kweeMpawu zeNqanaba eliPhakamileyo
    • Amabini amakhulu, amancinci, kunye neePair eziNgaphandle eziGutyungelweyo

    Abarhwebi abaPhambili aba-5 kwi-eToro 2021

    Ngeentlobo ngeentlobo zabathengisi bekopi abanokukhetha kuzo, kunokuba nzima ukugqiba ukuba ngabaphi abatyali zimali ze-eToro ofuna ukuzikopa kwaye ufumane ukuqonda ngakumbi. Kungabonakala ngathi yinto ecacileyo ukuyenza kukukhetha umrhwebi osele enenani elininzi labakhupheli phantsi kwebhanti labo. Kodwa, xa uthathela ingqalelo into onomdla kuyo njengomrhwebi, abanye babatyali mali ababalaseleyo kwi-eToro banokuqaqamba ngezinye iindlela.

    Ngale nto engqondweni, sidibanise abarhwebi aba-5 ababalaseleyo kwi-eToro 2021 kunye, kunye nolwazi oluncinci kwinto nganye.

    1. UJay Edward Smith

    Kukho amawaka abathengisi abaphumeleleyo kwi-eToro, kodwa uJay Edward Smith okwangoku yenye yezona zikhutshiwe eqongeni. Ngama-12,381 abakhupheli kunye nembuyekezo ye-24.61% kwiinyanga ezili-12 ezidlulileyo-umtyalomali ufunwa kakhulu ngabasebenzisi be-eToro.

    Ulwazi oluncinci ngemvelaphi kulomtyalomali osisigxina we-eToro -UJay Edward Smith uneminyaka engama-31 ubudala kwaye usekwe Basingstoke, eNgilani. Wayekwangumdlali webhola wangaphambili, umphathi weesports, kunye nomququzeleli wezinto ezinomdla kwiimarike zezemali, i-crypto, ulungiselelo, ezoqoqosho kunye netekhnoloji- ukubala nje ezimbalwa.

    Lo mrhwebi unesindululo sekopi esincinci se- $ 500, kodwa kuyacetyiswa i $ 2,000 +. Kukwacetyiswa ukuba ukope umrhwebi iminyaka emi-2 okanye nangaphezulu ukuze ufumane okona kulungileyo kwipotifoliyo yakhe.

    Ngaphezulu kwe- $ 5 yezigidi zeepropathi eziphantsi kolawulo, UJay uneminyaka engama-35.20% eluhlaza ngo-2020 (ukuya kuthi ga kuJulayi) kwaye ngo-2019-wenza ingeniso engazange ibonwe ngaphambili engama-52.32%.

    Makhe sijonge ngokukhawuleza okwangoku okwenzayo ipotifoliyo yorhwebo kaJay Edward Smith:

    • 47.87% Izitokhwe
    • Iipesenti ezingama-23.43%
    • 19.25% I-Crypto
    • Ii-ETF ze-5.51%
    • Izinto zorhwebo ezi-3.78
    • 0.08% Iimali

    Ngomngcipheko womngcipheko we-5-esi sicwangciso sotyalo mali somrhwebi kubandakanya:

    • Sebenzisa ubuncinci bomyinge (x2 ubuninzi)
    • Sebenzisa uhlalutyo olusisiseko, lobugcisa nolwemvakalelo
    • Owona msebenzi uphambili zizitokhwe kunye ne-cryptocurrency

    Inqaku lomngcipheko: 5

    Ukufumana i-27.75%

    * Ukuba ubutyalile imali eyi-1,000 281.00 yeedola kunyaka ophelileyo, uya kuba nengeniso eyi- $ XNUMX

    2. U-Olivier Jean Andre Danvel

    Lo mrhwebi uneekopi ezithandekayo ezingama-9,807 kwaye unembuyekezo ye-6.38% kwiinyanga ezili-12 ezidlulileyo.  Ngaphezulu kwe- $ 5 yezigidi zeeasethi eziphantsi kolawulo kwi-eToro, u-Olivier unesicwangciso esiliqili sokurhweba esinemithetho engqongqo yokulawulwa kwemali kunye nethagethi ye-1% ngenyanga.

    U-Olivier ube ngumphathi wengxowa-mali yobungcali ngaphezulu kweminyaka engamashumi amabini kwaye ngokuqinisekileyo ungomnye wabatyali mali abaziwayo xa kufikwa Forex yorhwebo, ukuthi ngqo. Ufunda uhlalutyo lobugcisa kunye namanqaku ezemali, kunye neendaba zotyalo-mali.

    Ngo-2019, lo mrhwebi wenza ukubuya kwe-8.40%. Kwiinyanga ezintandathu zokuqala zika-2020, ukwigreen 2.27%. Ipotifoliyo ka-Olivier Jean Andre Danvel yenziwe:

    • Iipesenti ezingama-84.48%
    • 10.84% ​​yorhwebo
    • Iipesenti ezingama-4.15%
    • 0.54% ye-crypto

    Ngesindululo esincinci sekopi ye- $ 500 kunye nenqanaba lomngcipheko 2, u-Olivier lukhetho olukhulu ukuba unomdla ngakumbi kurhwebo lwe-forex.

    Inqaku lomngcipheko: 1

    Inzuzo: 6.37%

    * Ukuba ubutyalile imali eyi-1,000 65.00 yeedola kunyaka ophelileyo ubuya kuba nengeniso eyi- $ XNUMX

    3. UJeppe Kirk Bonde

    UJeppe ngomnye wabarhwebi abakopa kakhulu kwi-eToro ngee-8,360 zokukhuphela eqongeni. Kwiinyanga ezili-12 ezidlulileyo, ubone ukubuya kwe-23.19%. Kwi-2019, iJeppe yayinepesenti ebuyayo ebuyisayo ye-45.55% kwaye ubukhulu becala yayikwinyanga eluhlaza ngenyanga. 

    Ukusukela phakathi ku-2020, uluhlaza nge-8.33%. Imvelaphi yakhe inendima yokulawula abacebisi, ecebisa ezinye zeebhanki ezinkulu nezaziwa kakhulu kwihlabathi. Uphethe isidanga senkosi kwezemali nakulawulo lobuchule.

    IJeppe linqanaba lomngcipheko 5 kwaye icebo lakhe libandakanya:

    • Ukwenza uphononongo olusisiseko
    • Ukufunda imeko kwiimarike ezivela kwihlabathi liphela
    • Sebenzisa ukugoba kunye nokwahluka ukulawula umngcipheko wepotifoliyo
    • Ngokwesiqhelo kuthintela ukuxhoma xa kunokwenzeka

    Umrhwebi wekopi ngokubanzi uthintela izixhobo ezineefizi eziphezulu, izikhundla ezimfutshane kwaye uzama ukugcina ubuninzi bezorhwebo ubuncinci.

    Nanku ukujonga okukhawulezayo kwindlela iipotifoliyo zorhwebo zikaJeppe ezenziwe ngayo:

    • 88.97% esitokhwe
    • Ii-ETF ze-6.76%
    • 2.60% ye-crypto
    • 1.56% ​​yorhwebo

    Kuyacetyiswa ukuba ukope ukuthengisa okuvulekileyo kwisibonda esincinci se- $ 300 ubuncinci ukuze uqiniseke ukuba uyakwazi ukulinganisa iiodolo zakhe ezinje.

    Inqaku lomngcipheko: 5

    Inzuzo: 22.86%

    * Ukuba ubutyalile imali eyi-1,000 232.00 yeedola kunyaka ophelileyo ubuya kuba nengeniso eyi- $ XNUMX

    4. UHeloise Greeff

    Lo mrhwebi unekopi ene-1,498 kwaye ukhuphele i-26.39% kwiinyanga ezili-12 ezidlulileyo. Ukuphela kwe-2019, uHeloise Greeff ubuyisele inzuzo ye-20.19%. Kwiinyanga ezintandathu zokuqala zika-2021, lomtyali mali uzuze i-17.74%.

    UHeloise ubambe isidanga se-MBA kwiDyunivesithi yaseOxford kwaye ujolise kwezorhwebo. Kodwa, ukwabambeka 'kwiimali ezirhweba ngotshintshiselwano' (ii-ETFs) kunye nezalathiso.

    Iphothifoliyo yorhwebo kaHeloise Greeff okwangoku imi ngolu hlobo lulandelayo:

    • 98.29% Izitokhwe
    • Ii-ETF ze-0.55%
    • Iipesenti ezingama-0.55%
    • 0.36% yorhwebo
    • 0.18% I-Crypto

    Ezinye zeentengiso zikaHeloise zezi zilandelayo:

    • Pharma kunye neteknoloji
    • Izalathiso zaseMelika
    • Ukufunda ngomatshini kunye nohlalutyo lobuchwephesha
    • Ukusasaza umngcipheko, ukufikelela kwimbuyekezo elungileyo

    Elona xabiso liphantsi lekopi licetywayo yi- $ 1,000. Olunye lotyalo-mali olukhulu yiAalesforce.com (5.40%), Mastercard (5.36%), Microsoft (4.50%) kunye neVisa (3.80%) ..

    Amanqaku omngcipheko: 5

    Inzuzo: 28.63%

    * Ukuba ubutyalile imali eyi-1,000 290.00 yeedola kunyaka ophelileyo ubuya kuba nengeniso eyi- $ XNUMX

    5. UTeoh Khai Liang

    Omnye umrhwebi wekopi ethandwayo kuluhlu lwethu nguTeoh Khai Liang- kunye nabakhupheli abangama-7,740. Kwiinyanga ezili-12 ezidlulileyo, uTeoh ubone ukubuya kwe-55.92%. Umrhwebi uneempahla ezingaphezulu kwe-5 yezigidi zeedola phantsi kwebhanti lakhe Ngo-2019 kuphela, wenza imbuyekezo ye-46.65%. Ukuza kuthi ga ngoku kulo nyaka, ukubuya kwakhe kuhleli kwi-37.66% - enkulu kakhulu.

    UTeoh uthengisa ikakhulu esitokisini, ke ukuba uyafuna ukumkhuphela kufuneka uzilungiselele ukujongana ikakhulu nesabelo se-chip chip. Ngokubalulekileyo, ujolise ekubambeni kwizikhundla ixesha elide.

    Ipotifoliyo:

    • 97.30% Izitokhwe
    • Ii-ETF ze-2.70%

    Isicwangciso somrhwebi wekopi siquka:

    • Utyalomali lwexesha elide.
    • Ukubamba isitokhwe, ngaphandle kokuba kwenzeke iinguqu ezisisiseko.
    • Ukubamba isitokhwe xa intengiso inyuka.
    • Ukuthenga isitokhwe ukuba imarike iyehla.

    Amanqaku omngcipheko: 5

    Inzuzo: 59.11%

    * Ukuba ubutyalile imali eyi-1,000 599.00 yeedola kunyaka ophelileyo ubuya kuba nengeniso eyi- $ XNUMX

    Yintoni ukuRhweba ngeKopi?

    Ezi ntsuku, yonke itom, i-dick, kunye ne-harry iyakwazi ukufikelela kwiimarike zezemali-ngokurhweba ukusuka ekhaya ngoku kufumaneka kwinqanaba lehlabathi. Inyani yokuba wonke umntu-kubandakanya abatyali zimali abathengisayo, ngoku banokufikelela kwinto ebizwa ngokuba 'yindawo yokudlala yezityebi' kulungile.

    Kodwa, ukuba usengumrhwebi otyhafileyo, okanye awuzange unyathele kwihlabathi lotyalo-mali-ke ukukopa urhwebo kunokuba yeyona nto intle owakha wayenza! Ngapha koko, kwaye mhlawumbi okona kubaluleke kakhulu-inokuba yindlela elungileyo yokufunda ukurhweba.

    Iiakhawunti zemidiya yoluntu eziqhutywa ngabarhwebi abanamava bezikhona kangangexesha elithile ngohlobo lweeprofayili zotyalo mali. Umbono kukuba, unokulandela umrhwebi ngezimvo ezifanayo zokurhweba kuwe, kwaye ufumane iingcebiso apha endleleni kuba abanye abatyali mali babelana ngezibalo kunye neetshathi.

    Umahluko omkhulu nge ikopi yokurhweba kukuba ngokuyintloko kukwenza imali, kunokuba ube nje kukunxulumana.

    Umrhwebi wekopi ogqiba kwelokuba uza kusebenzisa izakhono zabo ukuthengisa egameni lakho (kunye naye nabani na ongomnye ukubakopa). Into ekufuneka uyenzile kukuthatha isigqibo sokuba uza kukopa malini. Oku kuthetha ukuba ingakanani imali ozimisele ukuyibeka phambili ukuze umrhwebi athengise naye.

    Njengoko sigubungele ngokufutshane ngaphambili, ikopi yorhwebo ikwenza ukuba ukope urhwebo lomnye utyalomali izinqumo, ngcono okanye kokubi. Kananjalo, xa ukhetha ukukopa umrhwebi- kwaye bagqiba kwelokuba bathenge, oko kuthetha ukuba nawe uyathenga. Xa umrhwebi ekopa ethatha isigqibo sokuthengisa, nawe uyathengisa. Akunyanzelekanga ukuba wenze into kwaye ekugqibeleni-uya kurhweba ngendlela yokujonga nje.

    Khuphela oomatshini bokuthengisa

    Ukubeka ngokulula, oomatshini bokuthengisa ikopi bayabiliswa kulwabiwo lwesahlulo se akho ipotifoliyo yorhwebo nepotifoliyo ye umrhwebi onamava - ukhetho lwakho.

    Nje ukuba uthathe isigqibo sokuba ngabaphi abathengisi ongathanda ukukopa kunye nokuba ungathanda ukutyala imali engakanani, nayiphi na imisebenzi evulekileyo abanayo iya kukhutshelwa kwiakhawunti yakho yorhwebo, njengokuthanda. Umrhwebi wekopi uya kwenza zonke izigqibo kuwe. Njengoko baya kusebenzisa eyabo imali, unokuqiniseka ukuba umrhwebi uyakuphepha ukwenza izigqibo zokungakhathali.

    Ngale nto ithethwayo, kukho amawaka abarhwebi bekopi abanokukhetha kwi-eToro, ke kuya kufuneka wenze umsebenzi wesikolo ngaphambi kokuba ungene.

    Kananjalo, kweli candelo lesikhokelo sethu kubarhwebi aba-5 abagqwesileyo kwi-eToro, senze uluhlu lwamanyathelo afunekayo ukuze siqale namhlanje.

    Inyathelo 1: Ukufumana uMrhwebi weKopi elungileyo

    Okokuqala, kuya kufuneka uthathe isigqibo sokuba yeyiphi imali onamava oyifunayo ikopi kwaye ufunde ukusuka. Khumbula ukuba nayiphi na ilahleko okanye iinzuzo eziza kwindlela yakho ziya kugqitywa ngokupheleleyo ziziphumo zokurhweba kwabo.

    I-eToro inabatyali mali abangaphezulu kwezigidi ezili-12 kwiqonga layo, ke lolukhetho oluthandwayo kakhulu kubantu abafuna ukukopa urhwebo. Masicacelwe nangona kunjalo, ayingabo bonke aba batyalomali abaya kuba nezakhono okanye amava okukuqinisekisa ukuba ukopa imisebenzi yabo.

    Ngexesha lokhetho lwakho, qhubeka ngononophelo kwaye uzisebenzise ngokufanelekileyo izixhobo zokucoca ulwelo. Oku kuyakukugcinela ixesha elininzi, njengoko kukho izigidi zabarhwebi kwesi sithuba. Uya kubona inani elifanelekileyo lokukhetha xa ujonga abarhwebi ababalaseleyo kwi-eToro kwaye zezi zilandelayo:

    • Ixesha lelixa - Oku kunokuba yiyo nantoni na ukusukela kule nyanga ikhoyo ukuya kwiminyaka emi-2 edlulileyo.
    • Ubume - Ukhetho phakathi kwabatyali mali abaqinisekisiweyo nabathandwayo.
    • Ilizwe - Apho umtyali-mali akhoyo (asiyicingi le nto ibaluleke kakhulu ke siyacebisa ukuba siyishiye 'njengendawo yonke').
    • Igama kunye nomfanekiso - Oku kukuthi nokuba ubona umfanekiso weprofayile okanye igama labatyali mali. Kwakhona, ayinamsebenzi.
    • Ikopi - Fumana abatyali mali ngokusekwe zentlalo imeko yomsebenzi
    • Intsebenzo- Fumana abatyali mali ngokusekwe kwinyanga zokubuya kunye nenzuzo
    • Umngcipheko - Gxila kumanqaku omngcipheko, ukwehla kwemihla ngemihla, ukwehla kweveki
    • Ipotifoliyo - Fumanisa abatyali mali ngokusekwe kwiiasethi kwiphothifoliyo kunye nobungakanani borhwebo.
    • Umsebenzi - TIsihluzo sakhe sikuvumela ukuba ufumane abantu ngokusekwe kumanqanaba evolumu kunye nomsebenzi wentengiso.

    Ukuba uthatha isigqibo sokusebenzisa into enye okanye ezininzi, kufuneka ucofe iqhosha 'lokufaka' emva kokwenza ukhetho lwakho. Ngoku ungabetha 'uye' kwaye uya kuboniswa uluhlu olubanzi lwabathengisi bekopi abanokubakho. Uya kuba nakho ukuphanda kwiprofayili yomrhwebi wekopi ngolwazi oluthe kratya.

    Njengoko ubona kuludwe lweefilitha - ezikhoyo xa ukhangela abarhwebi ababalaseleyo kwi-eToro, zininzi iindlela onokukhetha kuzo.

    Oku kubandakanya:

    Bhala phantsi iziphumo

    Ekukhangeleni kwakho abarhwebi ababalaseleyo kwi-eToro, uninzi lwabatyali mali luthatha le metric njengeyona nto ibalulekileyo ekufundeni. Kakhulu, oku kungenxa yokuba ibonisa ukwaphuka kokusebenza komrhwebi okoko wajoyina iqonga.

    Xa kuziwa kwirekhodi yokusebenza sicebisa ukuba uhlawule ngokupheleleyo ixesha elibekiweyo.

    Umzekelo, umrhwebi unokuba yi-46% eluhlaza, ekhangeleka intle. Kodwa, xa ujonga kufutshane, unokuqonda ukuba isekwe kwiinyanga ezimbalwa zokuthengisa. Ngequbuliso oku kunokuba yinto encinci kakhulu. Ngamanye amagama, luphawu olomeleleyo lokuba bayathanda ukuthatha umngcipheko omkhulu kurhwebo.

    Singacebisa ukuba sithande abathengisi bekopi abanamava okungenani eenyanga ezili-12 kumaqonga. Ngokwenza njalo, uya kuba nombono ongcono wendlela abasebenza ngayo.

    I-AUM (iiAsethi ziphantsi kolawulo)

    Ngamafutshane, i-AUM (ii-asethi eziphantsi kolawulo) lixabiso elipheleleyo labarhwebi njengoko utyale imali ukuze ukwazi ukukopa umrhwebi oyingcali. Ixabiso lilonke lomrhwebi okopishayo aligcinayo kwipotifoliyo yabo.

    Ikopi

    Ucinga ukuba ucinga ngokuthengisa ikopi ngokwakho, uya kudweliswa 'njengomntu okopa'. Xa ukhangela abarhwebi ababalaseleyo kwi-eToro uya kubona iikopi kunye nomfanekiso ecaleni okanye phantsi kwayo.

    Oku kunokuthelekiswa ngokukhululekileyo nokuba bangaphi abalandeli babantu kwiqonga le-Twitter elibonisa indlela abadume ngayo. Ibonisa kuwe ukuba bangaphi abantu abakopisha ngokukuko loo mrhwebi.

    Ngelixa umrhwebi enokubonakala enomdla ngakumbi ngenxa yenani elikhulu labakhupheli, ayisiyiyo yonke into kunye nokuphela kwayo yonke.

    Iinkcukacha-manani zoRhwebo

    Le setethi yeenkcukacha-manani ilungele ukungena ngaphakathi kwentloko yabatyali mali. Ngokufunda la manani uyakwazi ukufumana ukuqonda kwinto oyithandayo ukuthenga nokuthengisa umtyali mali, ngohlobo lokonakala ngokupheleleyo.

    Uya kuba nokufikelela kubalo-manani olufana nelahleko ephakathi kunye neenzuzo kurhwebo ngalunye. Kufuneka kuthiwe ikwayindlela elungileyo yokubona ukuba umrhwebi usebenza njani xa engena kunye nokuphuma kwizikhundla. Le yeyona ndlela ilungileyo yokubonisa ukuba umngcipheko umrhwebi uthanda ukuthatha ntoni.

    Ukuba kukho iimarike ezithile ojonge ukurhweba kuzo- ezinje Ukurhweba nge-cryptocurrency or urhwebo lwesitokhwe, umzekelo - olu lwazi luya kubaluleka xa kuziwa ekuthatheni isigqibo sokuba ngaba umrhwebi ufuna ukukopa.

    Imilinganiselo yokuRhweba

    Umyinge wabarhwebi uhlala ekufanele ukujongwa. Ukuzifumana, vele uskrolele ezantsi kwiprofayili yotyalomali. Imilinganiselo yokuthengisa ingakubonisa izinto ezahlukeneyo, ezinje ngexabiso eliphakathi lezentengiso ezibekwe ngosuku, iveki okanye inyanga (umzekelo).

    Umzekelo, ukuba umtyalomali akathengisi kakhulu ngeveki, amathuba kukhetho lwabo sisicwangciso sexesha elide (thenga ubambe). Ngamanye amaxesha, umrhwebi osebenzayo unokukhetha izikhundla zexesha elincinci.

    Imitha yomngcipheko

    Olu linqanaba lomngcipheko lomtyali mali elikhethiweyo elinikezelwe yi-eToro. La manqanaba ahlaziywa rhoqo. Ukulinganiswa komngcipheko (imitha yomngcipheko) kulinganiswa phakathi kwe-1 ne-10 ukuya kwi-1 lelona xabiso liphantsi lomngcipheko, laze elishumi laba lelona liphezulu.

    Ekugqibeleni, kuxhomekeke kuwe ukuba leliphi inqanaba lomngcipheko ozimisele ukulithatha xa ukhetha umrhwebi oza kukopa.

    Inyathelo lesibini: Uhlahlo-lwabiwo mali oluncinci

    Nje ukuba inkqubo yokukhetha iphelile, ungaqala ukucinga malunga nokuba uza kuba yintoni uhlahlo-lwabiwo mali. Njengoko besichukumisile ngaphambili, kuyakubakho 'okucetyiswayo; Ubuncinci bexabiso lotyalo-mali olufunekayo ngaphambi kokuba ukope umrhwebi. Nangona kunjalo, i-eToro ngokwenyani ikuvumela ukuba ukope iphothifoliyo usuka kwi- $ 200-okoko nje udibana nalo mqobo ungatyala imali encinci okanye kakhulu njengoko uthanda. 

    Nje ukuba uluvume utyalo-mali, imali iya kugqitywa kwiakhawunti yakho yomrhwebi iye kwipotifoliyo yomrhwebi (ukongeza kwi-AUM).

    Inyathelo lesithathu: Ukulinganisa isipotifoliyo

    Nanku umzekelo olula wento eyenzekayo kwipotifoliyo yakho; emva kotyalo mali.

    Ngenjongo yalo mzekelo siza kuthi le yipotifoliyo yomrhwebi:

    • Ixabiso le- £ 20,000 lezabelo kwiRBS (20%)
    • Ixabiso le- £ 40,000 lezabelo kwiHalifax (40%)
    • Ixabiso lama- £ 40,000 lezabelo kwi-DHL (40%)

    Apha ipotifoliyo yomrhwebi ixabisa i- £ 100,000, kodwa ayizukuwenza mahluko kuwe. Ekuphela kwento efanelekileyo kuwe 'kukulinganisa', oko kuthetha ukuba leliphi ixabiso eliza kudityaniswa nesitokhwe ngasinye kwipotifoliyo.

    Kuba iphothifoliyo yakho iya kufana nokuthanda, oku kuthetha ukuba xa utyale imali eyi- $ 4,000 kwiphothifoliyo yokuthengisa iya kujongeka ngoluhlobo:

    • I-20% yepotifoliyo yokuthengisa ikopi ikwisabelo seRBS, iyonke eyi- $ 800
    • I-40% yepotifoliyo yokuthengisa ikopi ikwizabelo zeHalifax, iyonke eyi- $ 1600
    • I-40% yepotifoliyo yokuthengisa ikopi ikwizabelo ze-DHL, iyonke i- £ 1600

    Kucacile ukubona ngoku ukuba iphothifoliyo yakho ingumfanekiso wesipili wokukhetha umrhwebi wekopi. Kodwa, kubunzima obulinganisiweyo ukuya kwisixa otyalomali.

    Inyathelo lesine: Ukulinganisa iMirhumo eqhubekayo

    Ngelixa kungafuneki ukuba wenze nantoni na emva kokukhetha ikopi yomrhwebi, unakho ukukhetha ukukopa imisebenzi yabo rhoqo. Emva kwayo yonke loo nto, iKubalulekile ukuba abatyali mali bathenga kwaye bathengise izitokhwe kunye nezabelo egameni lakho okoko uthatha isigqibo.

    Umzekelo, ukuba umrhwebi ngequbuliso angagqiba ekubeni athengise zonke izabelo kwi-HSBC, ke, ewe, izabelo zakho ze-HSBC ziyathengiswa nazo. Kwaye enye indlela ejikeleze, ukuba umrhwebi uthatha isigqibo sokuthenga izabelo kwiMicrosoft, unezabelo zikaMicrosoft nazo.

    Kuya kufuneka siqaphele ukuba abarhwebi bekopi kwi-eToro bahlala befaka imali eyongezelelweyo endleleni. Isizathu soku kukuba babe nakho ukukhulisa iipotifoliyo zabo ngeasethi engaphezulu. Kule meko, uya kushiyeka ngeendlela ezimbini.

    Inketho 1 - Faka iNgxowa-mali eninzi

    Umtyalomali uhlala esenza isibhengezo xa becwangcisa ukongeza imali eyongezelelweyo ukuze akunike ixesha elaneleyo lokwenza amalungiselelo.

    Nokuba uthatha isigqibo sokungavumi okanye akunjalo, kufanele kuthiwe umbono kukukopa urhwebo. Ke, ukuba ufuna ngokwenene ukubonakalisa into eyenziwa ngumtyali-mali, kuyakufuneka ufake imali ngokufanelekileyo (kunye nomlinganiso).

    Nanku umzekelo okhawulezayo wendlela oku kunokujongeka ngayo:

    • Masicinge ukuba umtyali mali unephothifoliyo enexabiso le- $ 25,000 kwaye bongeza i- $ 5,000 kuloo nto. Oku kuthetha ukuba umtyalomali uyasonyusa isikhundla nge-20%.
    • Ngoku masithi akho Ipotifoliyo inexabiso le- $ 1,000, uza kudinga ukongeza i- £ 200 (20% ye- £ 1,000)

    Inketho 2 -Uhlengahlengiso oluzenzekelayo

    Ukuba uthatha isigqibo sokuba awungekhe, okanye awufuni kutyala imali engaphezulu kwipotifoliyo yakho ke isikhundla sakho siza kulungiswa ngokwakho.

    Olu hlengahlengiso lithetha ukuba i-eToro ayizukukhetha ngaphandle kokuthengisa ezinye zezabelo zakho ukuze wenze indawo yokuthenga okutsha. Uza kukopa umtyali mali, kodwa ubunzima buya kucinywa.

    Inyathelo lesihlanu: Ukwenza imali ngokuThengisa ngeKopi

    Ukuba unamava ngemali kunye okanye kwi-ETFs uya kuba sele uyazi ukuba ungayenza njani inzuzo ngokuthengisa ikopi. Oko kukuthi, uyakwenza imali ngendlela efanayo nokwenza ngokwakho ngokwenza inzuzo kwizabelo kunye neenzuzo ezinkulu.

    Izabelo zesahlulo

    Ukuba ikopi yotyalomali otyalomali oyikhethileyo inezahlulo kwiphothifoliyo yakhe ke uya kufumana isabelo sakho kuloo nto. Izabelo zakho ziya kuhlawulwa kuwe kwakamsinya nje ukuba inkampani yabelane ngentlawulo.

    Oku kuhle ngokwenza uninzi lomdla odibeneyo. Njengayo nayiphi na into ekurhwebeni ikopi, zonke iintlawulo ozifumanayo ziya kufana nesixa otyalomali.

    Iinzuzo zemali

    Khawufane ucinge ukuba utyale imali eyi- $ 10,000 kwiphothifoliyo yokuthengisa, kwaye kuloo portfolio inezahlulo ezingama-50 ezahlukeneyo. 

    Ukuphela konyaka wokuqala, ixabiso lilonke lenyuke nge-10%. Oku kuthetha ukuba ikopi yakho yepotifoliyo yorhwebo inexabiso nge- $ 11,000. Ke, xa kufikwa ekuphumeni kwindawo yakho, inzuzo yakho iya kuma kwi- £ 1,000.

    Ukushwankathela

    Ngenxa yenyani onokuthi uhlengahlengise iphothifoliyo yakho kwaye xa ufuna, ikopi yokurhweba yindlela entle yokutyala-nokuba impilo iphosa ntoni na. 

    Kunokubakho ixesha apho umtyali mali omkhuphelayo ethatha isigqibo sokuthenga isitokhwe kwicandelo ongenamdla kulo. Kule meko, ungaphuma nje kwisikhundla ngesandla ukunqanda ukubhencwa kwelo candelo lithile.

    Abanye abantu bayathanda ukusebenzisa ngaphezulu kwekopi enye yomrhwebi ngexesha. Oku kukuvumela ukuba uhlukanise kubarhwebi abaliqela-ngakumbi ukunciphisa umngcipheko wexesha elide ecaleni kwendlela. 

    Njengoko besesitshilo, abarhwebi ababalaseleyo kwi-eToro ayisiyiyo eyona inenani eliphezulu labakhupheli, ke soloko ufunda ulwazi oluninzi ngangokunokwenzeka. Kanye nokuqonda kakuhle ukuba ikopi isebenza njani kunye nemingcipheko echaphazelekayo, olu lwazi luya kukunceda ekuhambeni kwexesha.

    Funda iiNkonzo ezi-2 zeNtengiso yeeNqaku eziSimahla

    Amanqaku e-LT2

    • Fumana imiqondiso emi-3 yasimahla ngeVeki nganye
    • Akukho Ntlawulo okanye Iinkcukacha zeKhadi ezifunekayo
    • Vavanya ukuSebenza kweeMpawu zeNqanaba eliPhakamileyo
    • Amabini amakhulu, amancinci, kunye neePair eziNgaphandle eziGutyungelweyo

     

    FAQs

    Ngaba ndingayenza inzuzo ngokuthengisa ikopi?

    Impendulo ayikho mnyama kwaye imhlophe. Ewe kunjalo, ngokurhweba ngokwesiko kukho amathuba okwenza inzuzo. Nangona kunjalo, akukho siqinisekiso se-100%. Kule meko, uthembele phantse ngokupheleleyo kumtyalomali wokukhetha kwakho.

    Ngaba ikhona indlela yokunciphisa umngcipheko xa urhweba ngekopi?

    Enye yeendlela ezilungileyo onokuthi uwunciphise umngcipheko xa urhwebo ngekopi 'kukukopa' ngaphezulu kotyalomali olunye. Imeko yeklasikhi yokungabeki onke amaqanda akho kwibhasikithi enye, ukuba omnye umtyali mali unesuntswana le-hiccup, unokungaziva njengempembelelo. Ewe akukho nto i-100% ngaphandle komngcipheko kurhwebo.

    Yintoni indleko zokurhweba ngekopi?

    Iindleko zokuthengisa ikopi zixhomekeke kakhulu kwiqonga lokuthengisa olisebenzisayo. I-eToro, umzekelo, ayihlawulisi nantoni na ngokusebenzisa eli nqaku.

    Xa ndityala imali kwipotifoliyo yokuthengisa, ngaba imali yam itshixiwe?

    Hayi. Ngokubanzi, uya kuba nakho ukuphuma kwikopi yakho yokurhweba xa ufuna, kwaye oku kunokwenziwa rhoqo ngokuyinxalenye, okanye ngokupheleleyo.

    Ngaba ndinalo naliphi na igama kumrhwebi endimkhethileyo otyala imali kuye?

    Impendulo elula ngue. Izabelo ezithengiweyo nezithengisiweyo zigqitywe ngokupheleleyo ngumrhwebi. Xa sele uthethile, ungaluthatha ulawulo ngokuvala indawo ukuba awunamdla kwicandelo elithile, okanye ukongeza isikhundla kwipotifoliyo yakho enomdla ngakumbi kuwe.