Ixabiso leDola- avareji yokuGqibela kwe-2021 Isikhokelo

Ukuhlaziywa:

Iindleko zeDola- avareji, ukuba ixabiso lesitokhwe kunye noloyiko lokuphoswa kukufumana iimarike kukugcina uphaphile ebusuku, emva koko sinokuba nesicwangciso-qhinga esikhulu kuwe-ngexabiso leedola.

Njengoko intetho endala isitsho - "ucotha kwaye uzinzile uphumelela ugqatso". Uluvo ngokubanzi ngexabiso leedola eliphakathi kukwenza kancinci kancinci isikhundla sakho. Ixesha elenza ngalo oku lisekwe ngokupheleleyo kukhetho lwakho kunye nohlahlo-mali lotyalo-mali.

Mhlawumbi ukhe weva nabanye abatyali mali bethetha ngexabiso leedola ngokomyinge kwaye unomdla wokuba kubandakanya ntoni? Nokuba awuzange uve ngayo, namhlanje kunokuba lusuku lokufumanisa isicwangciso esitsha sokurhweba esikufanela 'T'.

Emva kwayo yonke loo nto, ixabiso leedola le-avareji yeyona ndlela ilungileyo yokuba abatyali mali bakhe iphothifoliyo yabo ixesha elide Kwesi sikhokelo, siza kuthetha ngayo yonke into ukusuka kumndilili wexabiso leedola, iingenelo kunye nobubi bokuqwalaselwa, kwaye ungaqala njani ngesicwangciso sokutyala imali esisengozini namhlanje!

Uluhlu Yemixholo

     

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    Isilinganisi sethu

    • Ubuncinci bediphozithi ye- $ 250 nje
    • Iplatifomu ye-100% yasimahla kunye nokusasazeka okuqinileyo
    • Intlawulo yasimahla ehlawulwa nge-debit / amakhadi etyala kunye ne-e-wallets
    • Amawaka eemarike zeCFD kubandakanya i-Forex, iZabelo, iiRhwebo, kunye neeCryptocurrencies
    Qala uhambo lwakho lokufikelela kuzo zonke iinjongo zakho zezemali apha.

    Yimalini indleko zeDola? 

    Ngamafutshane, ukuba ubunokutyala imali eqingqiweyo yeedola ngamaxesha aqhelekileyo ukuze wakhe iphothifoliyo yakho yotyalo-mali (endaweni yokutyala isamba esinye), eli lixabiso leedola. Umzekelo olungileyo woku ukuba ufuna ukutyala imali eyi- $ 10,000 kwisitokhwe seAmazon. Endaweni yokuba utyale imali eyi- $ 10,000 kwangoko, unokutyala i- $ 2k inyanga nenyanga iinyanga ezintlanu ngqo.

    Ukongeza, ixabiso leedola elingumndilili linokusetyenziselwa kwimarike eguqukayo ukuze wakhe indawo yesitokhwe ngokukhawuleza. Kule meko, ngokuchaseneyo nokutyala imali eyi- $ 2,000 ngenyanga kangangeenyanga ezintlanu, unokukhetha ukutyala imali eyi- $ 5k ngeveki ngaphezulu kweeveki ezi-2.5.

    Abatyalomali bahlala besebenzisa le ndlela ukuze bandise inani lezikhundla zesitokhwe kwiphothifoliyo yabo kwiminyaka eliqela. Abanye abarhwebi, umzekelo, banokutyala imali ezi- $ 4,000 kwisitokhwe esinye ngonyaka, kwaye bangasitshintshi esi sicwangciso iminyaka emininzi.

    Inyani yile, kukho iindlela ezahlukeneyo zokusebenzisa umyinge weendleko zeedola. Indlela okhetha ukuyiphumeza ngayo iya kuxhomekeka kubuchule bakho botyalo-mali kunye neenjongo zakho zepotfoliyo yexesha elide.

    Ixabiso leDola- avareji: Ngaba iyasebenza ngokwenene?

    Kungabonakala ngathi ukuthengwa okukhulu kwangaphambili kunokuba ngcono kunexabiso leedola. Nangona kunjalo, abatyali mali abaninzi bakholelwa ukuba ixabiso leedola elingumndilili liyabanceda ukuba basuse imvakalelo kwizigqibo zotyalo-mali kwaye bacinge kwixesha elide.

    Nokuba ungumtyali mali oligqala okanye umtsha kwindawo leyo, uya kuthi wazi iimvakalelo ezi-3 zokuthengisa ngengqondo-uloyiko, ithemba kunye nokubawa. Njengokutshintsha kwemakethi, ezi mvakalelo zihlala zidlala kwaye zinokukuqhubela ukuba wenze izigqibo ngokweemvakalelo.

    Ukuya kuthi xhaxhe ngexabiso leedola, umntu unokuthi uthenga ngexesha apho abanye abantu bebonisa ezabo iimvakalelo zorhwebo- uloyiko. Oku kunokukuseta kakuhle ngexabiso elikhulu, kunye nokuzuza okuthile okumangalisayo kwixesha elide.

    Ungawenza njani amathuba akho athande ngakumbi kuwe

    Xa kufikwa kwisicwangciso sakho sotyalo-mali, yenye yezona zinto zinomtsalane malunga Ixabiso leedola elixabisekileyo lixabiso elifanelekileyo eliphakathi. Ndiyabulela kwimathematics yokuthenga ngamaxabiso ahlukeneyo ezabelo.

    Ukukunika umzekelo woku, masithi ujonge ukutyala imali engama- $ 20,000 kwisitokhwe esithile. Ngendleko yexabiso leedola, uthatha isigqibo sokutyala imali eyi- $ 4,000 ngenyanga kusuku lokuqala lokuthengisa, kwaye wenza oku iinyanga ezi-5.

    Ngoku khawufane ucinge ukuba nganye yeentsuku ezi-5 zokurhweba (iintsuku otyale imali ngazo ngaphezulu kweenyanga ezintlanu) isitokhwe esinye sasithengisa ngamaxabiso:

    1. $100
    2. $80
    3. $40
    4. $80
    5. $100

    Isitokhwe esikule meko sasintle kakhulu kwezi nyanga zisi-5 kodwa saphela sibuyele apho siqale khona. Ngeentsuku othenge ngazo izabelo zakho, amaxabiso aphakathi esitokhwe ngesele eyi- $ 80 (amaxabiso ama-5 ahlulwe ngo-5).

    Qaphela: Njengoko ubona, ixabiso lakho eliqhelekileyo lesabelo ngasinye liya kuhlala lilingana okanye lingaphantsi kwelo avareji ngaphezulu kwamaxabiso ama-5.

    Iindleko zeDola- avareji: Sukuzama ukuThengisa ixesha kwiNtengiso

    Kungabonakala ngathi kufanele ukuba uthenge zonke izabelo zakho xa isitokhwe ngasinye sikwixabiso eliphantsi elinomtsalane. Ngokuqinisekileyo, wonke umntu kufuneka ayenze loo nto, akunjalo?

    Ewe, kwihlabathi elilungileyo sonke singathanda ukuthenga izabelo kunye nezabelo xa iasethi esezantsi ikwixabiso lesaphulelo. Kodwa, ukubona ngasemva yinto entle kakhulu. Sonke sinqwenela ukuba sithathe iveki ephelileyo lotto amanani, nawo!

    Ngelishwa ukuqikelela iingxaki akusoloko kulula, okanye kunokwenzeka. Kuyafana nangokuzama ixesha elifanelekileyo lexabiso lesitokhwe. Kunzima kakhulu ukuqiniseka ukuba isitokhwe sinokuba kwindawo ephantsi, nokuba iyaqhubeka nokuwa.

    Ithamsanqa lamanenekazi lisenokuba kwicala lakho, kodwa uninzi lwamaxesha kuyaphantse kube nzima. Ngokubalulekileyo, amandla akho aya kusetyenziselwa ngcono ukwenza enye into-enje ngobugcisa okanye uphando olusisiseko. 

    Abatyalomali abaninzi benze impazamo yokuntywila entlokweni yokuqala ukuze bangene kwisenzo-bubuntu bomntu. Xa umtyalomali ebona ixabiso lesitokhwe linyuka yonke imihla kunye nabanye abantu besenza inzuzo enkulu, kungokwemvelo ukufuna ukuba yinxalenye yaloo nto.

    Ngokuchasene noko - abantu bayothuka kwaye baqala ukuthengisa izitokhwe zabo ngenxa yemarike eyehlayo. Impendulo yendalo kukutsiba ngenqanawa kwangoko. Iyavakala le nto, kodwa xa kufikwa kutyalomali unokwenza impazamo enkulu.

    Ixabiso leDola- avareji: Isicwangciso sexesha elide

    Ngokubanzi, iindleko zeedola zokulinganisa zihlala zisisicwangciso sexesha elide. Imijikelezo ngaphakathi kuqoqosho ihlala ityhala uninzi lweesitokhwe kwicala elinye. Ekugqibeleni ekuhambeni kwexesha, ngapha koko, iimarike ziyaqhubeka nokuhla zinyuka. 

    Umzekelo: Ngexesha lokwehla kwamandla emarike yemasheya (njengaleyo sayibonayo ngo-2008) uninzi lwezabelo zalahlekelwa lixabiso. Emva koko, ngexesha lokunyuka kweemarike, uya kufumanisa ukuba uninzi lwezabelo lulandela umkhondo onyukayo.

    Imarike yenkomo inokuhlala naphi na phakathi kweenyanga kunye neminyaka. Ixabiso lexabiso leedola eliphakathi kule meko liya kuba libi njengesicwangciso-mali sethutyana elifutshane. Iimpahla ezizodwa kunye neengxowa-mali ezihlangeneyo azihlali zifumana naluphi na utshintsho olukhulu kwixabiso rhoqo ngenyanga (ngokuqinisekileyo kukho ukungabikho komgaqo).

    Ukuze ulibone ngokwenene ixabiso lexabiso leedola, kufuneka ukhwele amaza otyalo-mali lwakho. Ngokulunga, okubi nokubi. Uya kufumanisa ukuba ngokuhamba kwexesha iiasethi kwiphothifoliyo yakho azizukubonisa kuphela amaxabiso aphezulu kwimarike yokuthengisa, kodwa kunye neebargains ze-bearish.

    Ixabiso leDola- avareji: Indlela yokwakha iStock Position

    Ukuqala ngokwakha isikhundla sesitokhwe usebenzisa isicwangciso-nkqubo sokulinganisa iindleko zeedola, kukho amanyathelo ambalwa oza kuyithatha kuqala. 

    • Jonga ezemali zakho kwaye ucinge malunga nokuba uzimisele kangakanani ukutyala imali kwingxowa okanye kwisitokhwe esithile.
    • Kukangaphi ufuna ukutyala imali kwisitokhwe okanye kwingxowa-mali? Ungatyala imali mihla le, veki nganye, ngenyanga, kwikota nganye okanye nangonyaka.
    • Xa kuziwa ekusasazeni iintlawulo zakho zotyalo-mali, mangaphi amaxesha ongathanda ukwahlulahlula kuwo? Umzekelo, yithi ufuna ukutyala imali eyi-20,000 yeedola. Unokuthatha isigqibo sokwahlula-hlula utyalomali lwakho ngaphezulu kweenyanga ezili-10, ubhatale i- $ 2,000 ngosuku lokuqala lokuthengisa lwenyanga nganye. Ngamanye amaxesha abatyali mali bakhetha ukutyala imali ngeveki. Ngokwenene lukhetho lwakho.

    Ngokusisiseko, eyona ndlela ilula yokwenza isicwangciso sakho samanyathelo kukuthatha inani elipheleleyo ofuna ukulityala (okt-kumzekelo wethu ngentla kwelo xabiso kungangama- $ 20k) kwaye wahlule elo nani ngobude bexesha ofuna ukulityala.

    Sebenzisa lo mzekelo ungasentla uya kuba:

    • $ 20,000 (imali iyonke yokutyala)
    • Yahlulwe nge-10 (inani leenyanga)
    • isixa esiyi- $ 2,000 (isixa esiza kutyalomali ngenyanga)

    Ewe kunjalo, kunqabile ukuba izinto zisikwe kwaye zomile. Ke ngamanyathelo ngamanyathelo esele siwathethile ngasentla, kukho iziphumo ezahlukeneyo kwaye inye inezinto ezilungileyo nezingalunganga.

    Isiphumo asaziwa

    Kwelinye icala, akukho nto iphambili malunga notyalo mali ngeveki, ngenyanga ngaphandle kwekota. Endaweni yoko kuya kufuneka ulinganisele iifizi zekhomishini xa ucinga ukuba ufuna ukutyala kangaphi kwisitokhwe sakho. Ukuba ucwangcisa ukwenza utyalo-mali oluncinci kwaye uhlala ulwenza, unokufumana nje ukuba iifizi zekhomishini emva koko ziya kuba kwicala elibizayo.

    • Umzekelo, masithi uthatha isigqibo sokutyala imali engama- $ 6,000 kwisitokhwe esithile kwaye ukhethe ukutyala imali eyi- $ 600 ngenyanga iinyanga ezili-10.
    • Kwintengiso nganye, masithi uhlawula ikhomishini eyi- $ 14.
    • Le yi-2.3% yotyalo-mali lwakho lulonke.

    Ngelixa endaweni yoko wahlula i-6,000 yeedola kwi-4 yekota yotyalo-mali ke kuyacaca ukuba uyakuhlawula ipesenti esezantsi. Kule meko, ujonge iipesenti ezi-1 kuphela zelo tyalomali lutyalwayo luthathelwa ikhomishini yorhwebo.

    Qaphela: Ukuthatha oku kungasentla kwiakhawunti, kungakuhle ukuba uthathele ingqalelo umrhwebi wesitokhwe osimahla njenge-eToro. Iqonga alihlawulisi zekhomishini konke konke, okwenza kube lula kakhulu kwiindleko zeedola.

    Ngokukwanjalo, kukho izinto ezintle kunye nezinto ezingalunganga zokutyala imali ngaphezulu kwamaxesha kunokuba nexesha elifutshane. Ukuba ngexeshana elifutshane isitokhwe siba ngokuya sibiza kakhulu, inani elincinci lezabelo zakho lithengiwe ngexabiso elifanayo. Kwelinye icala, njengoko sigubungele ngentla apha, oku kunokuthetha ukuba iindleko zekhomishini yakho zibengaphezulu.

    Njengoko ubona zininzi iindlela zokuba ulungelelanise isicwangciso esilixabiso lendleko yeedola kwiimfuno zakho. Unokuthatha isigqibo sokuba ufuna ukulinganisa kwizikhundla ngokuthenga izabelo zakho kube kanye ngonyaka. Okanye, kunokuba kufanelekile ngakumbi kuwe ukuba uthenge ezo zabelo veki nganye kangangenyanga okanye ezimbini.

    Umgca wenyani kukuba kuxhomekeke kwimeko yakho. Asinakugxininisa ngokwaneleyo ukuba nantoni na oyenzayo, kubalulekile ukuba ube nesicwangciso sotyalo-mali kwaye uzibophelele ngokupheleleyo kweso sicwangciso. Okwangoku xa weqa ixesha lokuphumla lixesha apho isicwangciso sakho siye saphumelela!

    Iindleko zeDola- avareji: Ngaba kungcono ukutyala iSump-Sum?

    Kubekho izifundo zokuba ingaba kuluncedo na ukutyala isixa-mali esinye endaweni yexabiso leedola ngokulinganisela kwizikhundla zakho. Kufuneka kuthiwe, kuye kwakho uphando olunomdla olwenziweyo ngalo mbandela kwaye indlela yesixa semali yaphuma inuka iiroses.

    Isifundo esasenziwe nguVanguard, senza uthelekiso phakathi kwezicwangciso ezahlukeneyo zotyalo mali ezivela eUnited Kingdom, eUnited States nase-Australia. Ezi zifundo zenziwa kusetyenziswa ubuchule botyalo-mali bembali, kunye namaxesha embali. I-Vanguard isebenzise iphothifoliyo eyenziwe nge-40% yeebond kunye ne-60% yesitokhwe.

    Olu phononongo luthelekise zombini ukusasaza isixa semali yotyalo-mali ngaphezulu kwezavenge zenyanga, kunye notyalo-mali X lwesixa semali kwisixa esinye.

    • Kwisithuba seenyanga ezili-12 (amaxesha), ukutyala isixa semali esinye kugqithise isicwangciso sendleko ngexabiso eliphakathi nge-68%. Umndilili xa kufikwa kumda wawuyi-2.39%.
    • Uphononongo lufumanise ukuba kwiimeko ezininzi, indlela yokufumana isixa-mali ibingcono kumtyali mali, ngakumbi ngaphezulu kwexesha elide.
    • Ngexesha leenyanga ze-6, indlela ye-lump-sum yayingaphezulu kwama-64% exesha.
    • Xa umboneleli efunda iziphumo zexesha leenyanga ezingama-36, isicwangciso esilixa-mali sibetha iindleko zeedola ezenza umyinge wama-92% exesha.

    Esinye sezizathu zoku kucingelwa ukuba kunjalo kukuba amasheya athambekele ekufumaneni i-bias ephezulu.  Ngoku, ngelixa usela kwiziphumo zolu phononongo luvula amehlo, kubalulekile ukuba ukhumbule ukuba baninzi abatyali mali abangenaso eso sixa-mali silele.

    Masikubeke ngale ndlela: Ukuba uthanda ukwakha indawo eyi- $ 20,000 kwisitokhwe, ngekhe kulunge ukuyenza kwangoko. Ixesha elifutshane nelifutshane kukuba ewe-ithiyori, ukubeka onke amaqanda akho otyalo-mali kwibhasikithi kwangoko kuye kwangqineka kunenzuzo ngakumbi kunokusebenzisa isicwangciso-nkqubo sokulinganisa iindleko zeedola. 

    Kodwa, le ngxabano ayinamsebenzi kwaphela kuwe ukuba awunayo imali yokuthenga indawo epheleleyo ngexesha elinye.

    Iinkonzo kunye neengozi zeDola-yeNdleko yokulinganisa

    Ngelixa ixabiso leedola elingumndilili lilungile kubatyali mali abaninzi, kubalulekile ukuba uqaphele ukuba kuyafana nolunye utyalomali okanye izicwangciso zorhwebo -Ayizukusebenza kuzo zonke iimeko zemali.

    Ukuthatha oko kuthathelwa ingqalelo, sidibanise uluhlu lwezinto ezilungileyo nezingalunganga zexabiso leedola.

    eziluncedo

    1. Ayinamsebenzi nokuba ixabiso lesitokhwe liyenyuka okanye liwela phakathi kotyalo-mali lwakho. Uyazi ngesicwangciso sexabiso leedola ukuba iimvakalelo zakho azizukungena kuzo. Ixabiso lotyalo-mali lwakho kunye nexesha kunye nomhla oza kuwutyala sele umiselwe kwangaphambili.
    2. Iindleko zeDola- avareji yokuyekisa ixesha lokuthengisa elingalunganga. Masithi nje ukuba uthenge izitokhwe zebhanki phakathi phakathi kweminyaka ngaphambi kokuba imarike yezemali iwe. Inokuba kunjalo ukuba ubunexabiso leedola eliqikelela ezo zikhundla, ubuya kuvunyelwa ukuba uthenge izabelo ngexabiso eliphambi kokuwa. Ngokusebenzisa isicwangciso 'somyinge' kwiminyaka embalwa ngaphambi kwengozi yentengiso, njengomtyali mali ngekhe wanyuka.
    3. Njengoko sichukumisile ngaphambili, ixabiso leedola elingumndilili kunokuba yindlela efanelekileyo yokutyala imali xa imarike ingaqinisekanga okanye ingazinzanga. Ngokwenza umyinge, awudingi ukuba nexhala kakhulu malunga nokuba ulibeka ngexesha elifanelekileyo elona xabiso lililo.
    4. Kwabo bantu bafuna ukutyala imali kodwa bengenayo isixa esikhulu semali yokubeka kwangoko, umndilili wexabiso leedola ulungile. Umzekelo, masithi kwilizwe elifanelekileyo ungathanda ukutyala imali eyi- $ 15,000 kwisitokhwe esithile. Uninzi lwabantu alunayo i-15,000 yeedola. Yilapho ixabiso leedola liza kuqala. Ukuba isetyenziswe ngokuchanekileyo, inokuba yeyona ndlela ibalaseleyo yokwakha indawo ngaphandle kokuqalisa okukhulu.

    Njengokukhanya nobumnyama, apho kukho izinto eziluncedo, kuyakuhlala kukho ububi. Kananjalo, siza kuchaza imeko enokubakho yesicwangciso esiliqili sotyalo-mali.

    neengozi

    1. Ukuba ucwangcisa ukusebenzisa umndilili wexabiso leedola, kunye notyalo-mali kwizabelo zesahlulo- umntu unokuphikisa ukuba oku kuyakuphelisa ingeniso yakho ebaluleke kakhulu. Umzekelo, unokuba nomdla wokutyala imali eyi- $ 20,000 kwisitokhwe esivelisa iipesenti ezi-4 ngonyaka ($ 800). Oku kufikelela kwisahlulo sekota se- $ 200.
    2. Kule meko, iinzuzo zesahlulo sakho kwikota yokuqala ziya kuba li-10% lesixa-mali osifunayo. Ngokucacileyo, ukuba ubutyalile imali kwi-avareji yeendleko zeedola, isixa esichaziweyo sezahlulo ozifumeneyo bezingaphantsi kakhulu.
    3. Xa kuziwa kwiimarike ezibanzi zesitokhwe, amaxabiso athanda ukwanda ekuhambeni kwexesha. Oku kunokuthetha ukuba ngekhe wenze kakuhle ngexabiso leedola elingumndilili ngaphezulu kwexesha elide. 
    4. Kumanqanaba okuqala eendleko zeedola, abanye abatyali mali bafumana into eyaziwayo kolu shishino 'njengokutsala imali'. Ukubeka ngokulula, oku kubhekisa kwinani elikhulu lemali ehleli ebhentshini engakufumani kakhulu ngendlela yembuyekezo.
    5. Umzekelo wento ebizwa ngokuba kukutsala imali yile. Masithi uqhekeza utyalo-mali lwe-6,000 yeedola ngaphezulu kwezavenge zenyanga eziyi-6 kwaye ipotifoliyo yenziwe ngamabhondi angama-40% kunye nama-60% esitokhwe. Emva kweenyanga ezi-3, ubunyani besabelo sakho sepotifoliyo yimali eyi-50%, iibhondi ezingama-20% kunye nesitokhwe se-30%. Inqaku lemali liza kulinganisa ukubuya kwakho.

    Ngokubanzi, ukungahambi kakuhle kwexabiso leedola kumndilili kuthobekile. Ewe kunjalo, ukuthenga ngokufuthi kwenza imali yokurhweba elinganayo. Kodwa kwezi ntsuku, abarhwebi abanjengo-eToro bayakuvumela ukuba uthenge izabelo ngaphandle kwekhomishini. Oku kwenza ukuba kufikeleleke ngakumbi kubatyali mali ngohlahlo-lwabiwo mali oluqinileyo.

    Ngokubalulekileyo, uya kuba nakho ukungena ngaphakathi kunye nokuphuma kwintengiso kunye nomngcipheko oza nayo-njengoko uthenga kwithuba elide.

    Iindleko zeDola- avareji: Sebenzisa iiNgxowa-mali eziNye

    Kuye kwathiwa ukuba akukho mali yokuxhaswa kwemali enye yezona zithuthi ezilungileyo kakhulu ezikhoyo xa kuziwa kwiindleko zeedola. Iimali ezihlangeneyo zihlala zithengwa kwaye zithengiswa nge-zero-commission iifizi kumashishini ngamnye, ngoko ke kulungele umyinge.

    Endaweni yeefizi zekhomishini, abatyali mali mutual bahlawula igalelo lilonke ngohlobo lwepesenti esisigxina. Le pesenti itya inani elifanayo lotyalo-mali- nokuba yi- $ 300 okanye isixa-mali esingama-3,000. Ngelixa nge urhwebo lwesitokhwe kwisiseko se-DIY, urhwebo ngalunye lomntu luza nomgangatho wekhomishini ethe tyaba. Apha isibonelelo sepesenti esisigxina sicacile.

    • Umzekelo, masicinge ukuba ubhatale isavenge sentlawulo kwingxowa-mali yakho efanayo engama- $ 300.
    • Ingxowa-mali efanayo, kule meko, ihlawulisa umyinge weendleko ezingama-20.
    • Uhlawula umrhumo we- $ 0.60 eyi-0.2%.
    • Kwimeko yotyalo-mali olusisixa semali esiyi- $ 3,000 kwakule ngxowa-mali inye, uhlawula i- $ 6 (0.2%).
    • Njengoko ubona, akunamsebenzi ukuba utyala imali kangakanani- iipesenti zihlala zihleli.

    Ngoku, masithi wenza utyalomali lwe- $ 50 ngomthengisi ohlawula i-20 ikhomishini kurhwebo ngalunye. Oku kulingana nomrhumo wama-40%. Utyalo-mali lwama-500 eedola luya kubandakanya umrhumo weedola ezingama-20, okanye iipesenti ezi-4.

    Xa kuziwa kumthengisi osaphulelo kwi-Intanethi, bahlala bexabisa imali encinci. Oku kunokuhlala kumanqaku ayi-5 eerandi kwintengiselwano nganye okanye urhwebo. Kodwa-kwaye njengoko bekutshiwo ngaphambili, i-eToro ibonelela ngezabelo kwinqanaba le-0 lekhomishini. Ngokwenkcazo, akukho mali-mthwalo kwiimali ezihlangeneyo ezingabizi nayiphi na intlawulo yokuthenga. Ngapha koko, ukufikelela ngokulula kubatyali mali kuwo onke amanqanaba amava, kunye neemfuno eziphantsi zotyalo mali.

    Qaphela: Ukuba ubeka isicwangciso sendleko yeedola, kungenjalo kuthiwa sisicwangciso sokuzenzekelayo uninzi lweemali ezihlangeneyo ziya kususa ezona mfuno zisezantsi.

    Enye into ekufuneka uyiqwalasele zii-ETFs (iimali ezithengiswayo zotshintshiselwano) okanye iimali zesalathiso ukuba unciphisa iindleko zakho nangakumbi. Kubalulekile ukuba uqaphele ukuba azilawulwa ngokukuko, nangona kunjalo. Oku kuthetha ukuba akukho zintlawulo zolawulo kufuneka uzikhathaze ngazo. Nangona kunjalo, zenziwe ukuba zibonise ukusebenza kwesalathiso esithile.

    Ukwazi njani ukuba i-Dollar-Cost Averaging yeyakho

    Ngokusisiseko zine iindlela ezine zokuba uthenge isitokhwe.

    • Tyala imali yamaxabiso afanayo emali kwixesha elimiselweyo (okt ngenyanga)
    • Ukuba uhlahlo-lwabiwo mali olukhulu, ungatyala isixa esikhulu semali kwintlawulo enye.
    • Thenga ixabiso elifanayo lezabelo kwixesha elimiselweyo. Oku kuluncedo kwezinye iindlela 'zokukhetha' njengoko zihlala zizivumelwano kwizabelo ezilikhulu.
    • Ukuba uzijonga njengomtyali-mali onolwazi, unokutyala imali esitokisini nanini na xa ubona kufanelekile. Ukuba uyayiqala, kuyacetyiswa ukuba ugcine iimvakalelo zakho zotyalo-mali zijongiwe kwaye okona kubaluleke kakhulu, yenza isicwangciso kwaye unamathele kuso.

    Kuxhomekeka kwiimeko zakho zobuqu, zontathu ezi ndlela zinokusebenza kakuhle. Kufanelekile ukukhumbula ukuba kwintengiso engaqinisekanga okanye engazinzanga, umyinge weendleko zeedola kunokuba sisicwangciso esiliqili sotyalo mali. Oku kunjalo ngakumbi ukuba awunalo uhlahlo-lwabiwo mali olukhulu ukuqala ngalo, kwaye ukhathazekile malunga nesitokhwe esinexabiso.

    Ixabiso leDola- avareji: Yeyiphi iMivuzo?

    Isetyenziswe njengenxalenye yesicwangciso sexesha elide, umyinge weendleko zeedola yindlela efanelekileyo yokutyala imali. Izabelo ezininzi ozithengayo, kokukhona iphothifoliyo yakho iba nkulu. Kwaye, izabelo ezininzi ozithengayo xa iindleko ziphantsi, kokukhona ukuncipha kwixabiso lesabelo eliphakathi kudlula ixesha.

    Enye ibhonasi enkulu xa kufikwa kwixabiso leedola eliphakathi, ewe, lixabiso kunye nexesha lotyalo-mali lwakho olulungiselelwe kwangaphambili. Ke, awudingi ukuba nexhala malunga nokuba intengiso iyatshintsha okanye ayitshintshi. Ngokuzenzekelayo uza kuthenga isitokhwe kunye nexabiso elimiselweyo.

    Ngaphezulu kwelo, njengoko sigubungele eli phepha, ixabiso leedola le-avareji yindlela elungileyo yotyalomali abatsha yokwakha kancinci kwipotifoliyo kwaye ngokuthe ngcembe bakhe ubutyebi babo. Inyani yokuba awunyanzelekanga ukuba uqale ngesixa-mali esikhulu yinto enomtsalane kubatyali mali abatsha abaninzi.

    Ndingayiqala njani indleko yeDola?

    Ngophando oluncinci, ukuqala ngalo Ixabiso leedola elingumndilili kunokuba lula ngokulula. Uninzi lwabarhwebi benza isicwangciso sokurhweba silula. Uninzi lwabarhwebi luya kusebenza ecaleni kwakho ukuseta isicwangciso sakho sokurhweba ngokuzenzekelayo, kubandakanya ukuthenga ngokuzenzekelayo egameni lakho rhoqo.

    Ukuba umthengisi okwi-intanethi oyikhethileyo, okanye osele enaye, enganiki sicwangciso sokurhweba ngokuzenzekelayo-basakwazi ukuyenza. Kodwa, kufuneka usete ukuthengwa kwishedyuli emiselweyo. Umzekelo, njalo ngoMvulo, okanye usuku lokuqala lokurhweba lwenyanga nganye.

    Ukuba iimeko zakho ziyatshintsha, uyakwazi ukunqumamisa nayiphi na Utyalomali oluzenzekelayo. Asinakucebisa ukuba sikwenze oku ngenxa yexhala lexabiso lesitokhwe kunye noloyiko lwentengiso. Emva kwayo yonke loo nto, umbono kukutyala imali rhoqo kwaye iimarike lithuba lakho lokwenza inzuzo.

    Ingcebiso ephezulu xa isiza kutyalo-mali ngesicwangciso sokurhweba ngokuzenzekelayo kukuyalela umrhwebi wakho ukuba abuyisele ngokuzenzekelayo naziphi na izabelo ozifumanayo kwingxowa-mali nakwizitokhwe. Le yeyona ndlela izalisiweyo kwaye yavavanyelwa ukuba ngokuthe ngcembe wakhe inzuzo yakho, ikwenza ukuba uqhubeke nokuthenga iiasethi ezininzi apha endleleni.

    Owona mrhwebi mhle kwiQhinga eliPhakathi leXesha leDola kwi2021

    Ukuba ufuna ukuqala isicwangciso esilixabiso leedola namhlanje, ufuna umrhwebi ohlangabezana neemetric ezimbini eziphambili:

    • Imirhumo kunye neekhomishini ziphantsi
    • Unokukhetha okwaneleyo xa kufikwa kwizabelo ezinokurhweba

    Kule nkalo, thina kwi-Learn 2 Trade singathi i-eToro yeyona broker ilungileyo kwi-Intanethi ukulungiselela le njongo. Nasi isizathu:

     

    Ukushwankathela

    Ukuba ukwimeko yezemali yokwenza njalo, sicebisa ukuba utyale isixa-mali sesona siqhamo siphumeleleyo. Nangona kunjalo, ayisiyonyani ukucinga ukuba wonke umntu unendlela yokwenza oku. Ukuba awukwazi ukufikelela kwisixa semali, ungadimazeki- ixabiso leedola le-avareji yindlela elungileyo yokwenza utyalomali olusengqiqweni kwisitokhwe onomdla kuso.

    Oku kuyakuthatha ixesha elilingana nesimbo sakho sotyalo-mali kunye nohlahlo-lwabiwo mali. Uninzi lwabatyalomali abasebenzisa ixabiso leedola eliqhelekileyo bathambekele ekukhetheni amaxesha kanye kwiiveki ezi-2, okanye inyanga nenyanga. Oku kungenzeka kunciphise ekubeni sisicwangciso esikhuselekileyo ngakumbi kunye nexesha lomvuzo okanye lokuhlawulwa.

    Enye yezona zinto zinomtsalane ngexabiso leedola eliphakathi kukuthoba ifuthe lokungazinzi kwexabiso lesitokhwe. Ungayichazanga eyokunika abantu abanemali encinci ithuba lokutyala imali ngezavenge. Kwaye umgca? Yindlela ebalaseleyo yokwakha ipotifoliyo yotyalo-mali, nokuba loluphi na ulwalathiso lwentengiso.

    Qinisekisa ukuba unesicwangciso sotyalo-mali esisesikweni, kwaye unamathela kweso sicwangciso ekuhambeni kwexesha. Kwaye khumbula, cwangcisa ixabiso elichazwe kwangaphambili eliyinyani kuwe. Emva kwayo yonke loo nto, into yokugqibela oyifunayo kukhubeka kwaye ujongane nokungabikho kokukhetha ngaphandle kokurhoxisa intlawulo kwaye waphule umjikelo (kunye nesicwangciso sakho sotyalo-mali).

    I-Eightcap-Iqonga elilawulwayo eliSasazekileyo

    Isilinganisi sethu

    • Ubuncinci bediphozithi ye- $ 250 nje
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    • Intlawulo yasimahla ehlawulwa nge-debit / amakhadi etyala kunye ne-e-wallets
    • Amawaka eemarike zeCFD kubandakanya i-Forex, iZabelo, iiRhwebo, kunye neeCryptocurrencies
    Qala uhambo lwakho lokufikelela kuzo zonke iinjongo zakho zezemali apha.

     

    FAQ

    Ngaba ukunyuka okanye ukuwa kwintengiso kuyakuchaphazela utyalo-mali lwam lwexabiso lendleko?

    Oku kuxhomekeke ekubeni unaso na isicwangciso esiliqili. Umzekelo, ukuba ulungiselele nomrhwebi wakho ukuba utyale imali ebekiweyo ngexesha elimiselweyo, umrhwebi wakho uya kuqinisekisa ukuba uthenga ngokuzenzekelayo umthamo ophezulu wezabelo xa imarike iphantsi, kwaye incinci xa iphezulu.

    Ngaba ndingatyala imali mihla le ndisebenzisa umyinge weendleko zeedola?

    Ewe. Ixabiso le-dollar elingumndilili liguquguqukayo ngokwenene. Ungatyala imali yonke imihla, ngeveki, ngenyanga, ngekota okanye ngonyaka. Kuxhomekeke kuwe kwaye kuxhomekeke kwisitayile sakho sokutyala kunye nemeko yezemali.

    Ngaba ndiyakwazi ukutyala imali kwi-mutual fund nge-dollar-average average?

    Ewe Unga. Ngapha koko, bayancoma omnye nomnye kakuhle ngenxa yokunqongophala kwemirhumo yekhomishini ehlawulwa yingxowa mali.

    Ngaba kufuneka ndinamava eminyaka ukuze ndisebenzise umndilili wexabiso leedola ukwakha ipotifoliyo yotyalo-mali?

    Hayi, awunayo. Isakhono sokukwazi ukwenza intlawulo encinci yenyanga ngexabiso leedola elingumndilili linokuba nomtsalane kubatyali zimali abatsha kunye nokuzenzekelayo kunye nolwakhiwo lwayo oluncedayo ngokunjalo.

    Andinayo imali eninzi yokutyala, ngaba ndingakwazi ukutyala imali ngexabiso leedola?

    Ewe Unga. Ngapha koko, enye yezona zinto zibalaseleyo ngexabiso leedola eliphakathi kukwazi ukukwazi ukutyala imali eninzi ixesha elininzi. Oku kuthetha ukuba akukho mfuneko yokuba ubenesixa esikhulu ngexesha elinye.