Abadayisi Abakhulu Abayi-5 Abakhulu Ku-eToro 2023 Funda 2 Umhlahlandlela Wokuhweba!

Isevisi yokuhweba ngamakhophi. I-Algo yethu ivula futhi ivale ngokuzenzakalelayo ukuhweba.

I-L2T Algo inikeza amasiginali anenzuzo enkulu anengozi encane.

24/7 ukuhweba nge-cryptocurrency. Ngenkathi ulele, siyahweba.

Ukusethwa kwemizuzu eyi-10 okunezinzuzo ezinkulu. Imanuwali inikezwe ngokuthenga.

79% Izinga lempumelelo. Imiphumela yethu izokujabulisa.

Ukuhwebelana okungafika kuma-70 ngenyanga. Kunamapheya angaphezu kwama-5 atholakalayo.

Okubhaliselwe kwanyanga zonke kuqala ku-£58.

Okuthile kwe-L2T

ITHELELELI

IZIPHUMA

Abathengisi abahamba phambili ku-eToro, indawo yamakhulu abathengisi abanomsindo bonke abamemezayo futhi bekloloda esikrinini esikhulu emgodini wokuhweba akuvamile ukubonwa kulezi zinsuku, lapho abantu abaningi behweba online.

 

 

Uma ungumuntu abatshalizimali abasha ukuthola nje izinyawo zakho, manje usuyakwazi ukulingisa ukuhweba kwabadayisi abaphumelele kakhulu, abanesizini enhle kalula. Lolu lwazi lokuhweba lutholakala ngokusebenzisa into entsha ebizwa ngokuthi ukuhweba ngamakhophi. 

Ukukopisha umhwebi kusho ukuthi awudingi ukwenza noma yimuphi umsebenzi wesikole ngokwakho. Vele, lokho akusho ukuthi akuveli nobungozi - leyo yindlela yokuhweba. Noma kunjalo, indawo yokuhweba ngamakhophi ilawulwa kakhulu yi-eToro - ipulatifomu manje eseyikhaya labadayisi abangaphezu kwezigidi eziyi-12.

Ukukusiza ukukukhomba endaweni efanele, wngihlanganise umhlahlandlela wabahwebi abangcono kakhulu aba-5 ku-eToro. Lokhu kuhlanganisa futhi lokho okudingeka ukwazi mayelana nokuhweba ngamakhophi ukuze uqalise futhi kubaluleke kakhulu - okudingeka ukwenze ekukhetheni umhwebi ongumakad' ebona ohlangabezana neyakho. ukutshala imali isikhathi eside imigomo. 

 

Abathengisi Abahamba phambili Abangu-5 abaphezulu ku-eToro 2023

Ngabahwebi abahlukahlukene kangaka ongakhetha kubo, kungaba nzima ukunquma ukuthi obani abatshalizimali be-eToro ofuna ukukopisha futhi uthole ukuqonda okwengeziwe kubo. Kungabonakala ngathi kuyinto esobala ukuyenza ukukhetha umhwebi osenenani elikhulu labakopishi abangaphansi kwebhande labo. Kepha, uma ucabangela lokho onentshisekelo kukho njengomhwebi, abanye babatshali zimali abahamba phambili ku-eToro bangahle bakhanye ngezinye izindlela.

Ngalokhu engqondweni, sihlanganise abahwebi abahlanu abahamba phambili ku-eToro 5 ndawonye, ​​sinolwazi oluncane kulowo nalowo.

1. UJay Edward Smith

Kunezinkulungwane zabathengisi bamakhophi abaphumelelayo ku-eToro, kepha uJay Edward Smith okwamanje ungomunye wabakopishwa kakhulu endaweni yesikhulumi. Ngamakhophi ayi-12,381 nembuyiselo engama-24.61% ezinyangeni eziyi-12 ezedlule - umtshali-zimali ufunwa kakhulu ngabasebenzisi be-eToro.

Imininingwane engemuva okuncane ngalomtshali-zimali we-eToro wesikhathi esigcwele - UJay Edward Smith uneminyaka engama-31 ubudala futhi usekelwe ku- IBasingstoke, eNgilandi. Ungumdlali wegeyimu wangaphambili, umphathi we-esports, kanye nomxhumanisi we-logistics onentshisekelo ezimakethe zezezimali, i-crypto, i-logistics, ezomnotho nobuchwepheshe - ukubala ezimbalwa.

Lo mhwebi unesiphakamiso esincane samakhophi esingu- $ 500, kepha kunconywa u- $ 2,000. Kunconywa nokuthi ukopishe ukuhweba ngaye iminyaka emi-2 noma ngaphezulu ukuze uthole okungcono kakhulu kuphothifoliyo yakhe.

Ngama- $ 5 million wempahla yamakhophi angaphansi kokuphathwa, UJay ungu-35.20% oluhlaza okotshani ngo-2020 (kuze kube nguJulayi) nango-2019 - wenza inzuzo engakaze ibonwe engu-52.32%.

Ake sibheke ngokushesha ukuthi yini okwamanje eyakha iphothifoliyo kaJay Edward Smith yokuhweba:

• 47.87% Amasheya Nama.
• 23.43% indices.
• 19.25% I-Crypto.
• 5.51% ETFs.
• 3.78 Izimpahla.
• 0.08% Imali.

Ngokukalwa kobungozi okungu-5 - isu lokutshala lomthengisi lifaka:

• Kusetshenziswa ubuncane be-leverage (x2 okungenani).
• Ukusebenzisa ukuhlaziya okuyisisekelo, kwezobuchwepheshe kanye nokuzwela.
• Ukuhweba okuyinhloko amasheya kanye ne-cryptocurrency.

Isilinganiso Sengozi: 5

Thola i-27.75%

* Ukube ngabe utshale imali engu- $ 1,000 ngonyaka owedlule, ubuzoba nenzuzo ka- $ 281.00

2. U-Olivier Jean Andre Danvel

Lo mhwebi unamakhophi akhangayo ayi-9,807 futhi unembuyiselo ka-6.38% ezinyangeni eziyi-12 ezedlule.  Njengoba kunezimpahla ezingaphezu kwezigidi ezingama- $ 5 ezingaphansi kokuphathwa ku-eToro, u-Olivier unesu lokuhweba elinobungozi obuncane elinemithetho eqinile yokuphatha imali kanye nenjongo eyi-1% ngenyanga.

U-Olivier ubengumphathi wesikhwama sobuchwepheshe iminyaka engaphezu kwamashumi amabili futhi ungomunye wabatshalizimali abadume kakhulu uma kukhulunywa Forex ukuhweba, ngokuqondene. Ufunda ukuhlaziywa kwezobuchwepheshe kanye nezindatshana zezezimali, nezindaba zokutshalwa kwezimali.

Ngo-2019, lo mhwebi wenza inzuzo engu-8.40%. Ezinyangeni eziyisithupha zokuqala zika-2020, uku-green 2.27%. Iphothifoliyo ka-Olivier Jean Andre Danvel yakhiwe:

• 84.48% imali.
• 10.84% ​​imikhiqizo.
• 4.15% Izinkomba.
• 0.54% i-crypto.

Ngesincomo esincane samakhophi se- $ 500 kanye nezinga lobungozi 2, u-Olivier uyindlela enhle uma unentshisekelo enkulu ekuhwebeni kwangaphambili.

Isilinganiso Sengozi: 1

Inzuzo: 6.37%

* Ukube ngabe utshale imali engu- $ 1,000 ngonyaka owedlule ubuzoba nenzuzo ka- $ 65.00

3. UJeppe Kirk Bonde

UJeppe ungomunye wabathengisi abakopishwe kakhulu ku-eToro enamakhophi ayi-8,360 endaweni yesikhulumi. Ezinyangeni eziyi-12 ezedlule, ubonile ukubuya kuka-23.19%. Ngo-2019, uJeppe wayenamaphesenti amahle kakhulu okubuyisa angu-45.55% futhi ikakhulukazi ayeyinyanga ngenyanga eluhlaza. 

Kusukela maphakathi no-2020, uluhlaza ngo-8.33%. Isizinda sakhe siqukethe indima yomxhumanisi wabaphathi, eluleka amanye amabhange amakhulu emhlabeni futhi aziwa kakhulu emhlabeni. Uneziqu zemasters ekuphathweni kwezezimali nakwezamasu.

UJeppe usezingeni lobungozi 5 futhi isu lakhe lifaka:

• Ukwenza izilinganiso eziyisisekelo.
• Ifunda amathrendi ezimakethe ezivela emhlabeni jikelele.
• Isebenzisa i-hedging kanye nokwehlukahlukana ukuphatha ubungozi bephothifoliyo.
• Ngokuvamile igwema ukusebenzisa amandla lapho kungenzeka khona.

Lo mhwebi wamakhophi ngokuvamile uvikela izinsimbi ezinezimali eziphezulu, izikhundla ezimfushane futhi uzama ukugcina imvamisa yezohwebo ibe ubuncane.

Nakhu ukubuka okusheshayo ukuthi iphothifoliyo yokuhweba kaJeppe yakhiwa kanjani:

• 88.97% amasheya.
• 6.76% ama-ETF.
• 2.60% i-crypto.
• 1.56% ​​imikhiqizo.

Kunconywa ukukopisha ukuhweba okuvulekile endaweni okungenani engu- $ 300 ubuncane ukuqinisekisa ukuthi uyakwazi ukulingisa ama-oda akhe afana nalawo.

Isilinganiso Sengozi: 5

Inzuzo: 22.86%

* Ukube ngabe utshale imali engu- $ 1,000 ngonyaka owedlule ubuzoba nenzuzo ka- $ 232.00

4. UHeloise Greeff

Lo mhwebi wamakhophi unamakhophi angu-1,498 futhi ubuyise ama-26.39% ezinyangeni eziyi-12 ezedlule. Ekupheleni kuka-2019, uHeloise Greeff ubuyisele inzuzo engama-20.19%. Ezinyangeni eziyisithupha zokuqala zonyaka we-2021, lo zimali wenze inzuzo ngo-17.74%.

UHeloise uphethe iziqu ze-MBA azithola e-Oxford University futhi usebenza kakhulu ngamasheya okuhweba. Kepha, ubuye abambe 'kwizimali ezihwebelana ngokushintshaniswa' (ETFs) nama-indices.

Iphothifoliyo yokuhweba kaHeloise Greeff njengamanje imi kanjena:

• 98.29% Amasheya.
• 0.55% ama-ETF.
• 0.55% Izinkomba.
• 0.36% Izimpahla.
• 0.18% i-Crypto.

Eminye yemikhiqizo yokuhweba kaHeloise imi kanje:

• Pharma kanye tech.
• I-US Indices.
• Ukufunda ngomshini nokuhlaziywa kobuchwepheshe.
• Ukusabalalisa ingozi, ukuzuza izinzuzo ezinhle.

Inani eliphansi eliphakanyisiwe lekhophi ngu- $ 1,000. Ezinye zezimali zakhe ezinkulu azitshalile yiAalesforce.com (5.40%), Mastercard (5.36%), Microsoft (4.50%) neVisa (3.80%) ..

Amaphuzu engcuphe: 5

Inzuzo: 28.63%

* Ukube ngabe utshale imali engu- $ 1,000 ngonyaka owedlule ubuzoba nenzuzo ka- $ 290.00

5. UTeoh Khai Liang

Omunye umthengisi wamakhophi othandwayo kuhlu lwethu nguTeoh Khai Liang - onamakhophi angama-7,740 12. Ezinyangeni eziyi-55.92 ezedlule, uTeoh ubone ukubuyiselwa kwe-5%. Umhwebi unempahla engaphezulu kwezigidi ezingama- $ XNUMX ngaphansi kwebhande lakhe Ngo-2019 kuphela, wenza izimbuyiselo ezingama-46.65%. Kuze kube manje kulo nyaka, ukubuya kwakhe kuhleli ku-37.66% - okuyinto enkulu.

UTeoh uhweba kakhulu ngamasheya, ngakho-ke uma ufuna ukumkopisha kufanele uzimisele ukubhekana ikakhulukazi nesabelo se-blue chip. Ngokweqile, ugxile ekubambeni izikhundla isikhathi eside.

Iphothifoliyo:

• 97.30% Amasheya.
• 2.70% ama-ETF.

Icebo lomthengisi wamakhophi lifaka:

• Utshalomali lwesikhathi eside..
• Ukubamba amasheya, ngaphandle kwalapho kwenzeka izinguquko eziyisisekelo.
• Ukubamba amasheya lapho imakethe inyuka.
• Ukuthenga isitoko uma imakethe yehla.

Amaphuzu engcuphe: 5

Inzuzo: 59.11%

* Ukube ngabe utshale imali engu- $ 1,000 ngonyaka owedlule ubuzoba nenzuzo ka- $ 599.00

Kuyini ukuhweba ngamakhophi?

Kulezi zinsuku, wonke u-tom, u-dick no-harry bayakwazi ukufinyelela ezimakethe zezezimali - ngokuhweba okusuka ekhaya manje sekutholakala emhlabeni wonke. Iqiniso lokuthi wonke umuntu - kufaka phakathi abatshalizimali abathengisayo, manje sebekwazi ukufinyelela kulokho okubizwa ngokuthi 'indawo yokudlala yabacebile' kuhle.

Kepha, uma usengumhwebi otatazelayo, noma ungakaze ungene ngisho nasezingeni lotshalomali - ukukopisha ukuhweba kungaba yinto enhle kunazo zonke owake wazenza! Ngaphezu kwalokho, futhi mhlawumbe okubaluleke kakhulu - kungaba yindlela enhle yokufunda ukuhweba.

Ama-akhawunti wezokuxhumana aqhutshwa ngabahwebi abanolwazi abekhona isikhashana ngendlela yamaphrofayili wabatshalizimali. Umqondo uwukuthi, ungalandela umhwebi onemibono efanayo yokuhweba kuwe, bese uthola amathiphu endleleni ngoba abanye abatshalizimali babelana ngezibalo namashadi.

Umehluko omkhulu nge kopisha ukuhweba ngukuthi kumayelana nokwenza imali, kunokuba nje ube nobungane.

Umhwebi wamakhophi onquma ngaye uzosebenzisa amakhono akhe ukuze akuhwebelele (kanye nanoma ubani omunye owakopishayo). Okufanele ukwenze ukunquma ukuthi 'ukukopisha' malini. Lokhu kusho ukuthi yimalini ozimisele ukuyibeka phambili ukuze umtshali-zimali ahwebe ngayo.

Njengoba simboze kafushane phambilini, ukuhweba ngamakhophi kukwenza ukwazi ukukopisha ukuhweba kwabanye babatshali zimali izinqumo, kokuhle noma kokubi. Ngakho-ke, lapho ukhetha ukukopisha umhwebi - bese ethatha isinqumo sokuthenga, kusho ukuthi nawe uyathenga. Lapho umhwebi wamakhophi ethatha isinqumo sokuthengisa, nawe uyathengisa. Akudingeki wenze into futhi ekugcineni - uthola ukuhweba ngendlela yokwenziwa.

Kopisha Izindlela Zokuhweba

Kalula nje, imishini yokuhweba ngamakhophi iyabila ngokwabela ingxenye ethile ye- yakho iphothifoliyo yokuhweba nephothifoliyo ye umhwebi onolwazi - Okukhethile.

Lapho usuthathe isinqumo sokuthi ibaphi abathengisi ongathanda ukubakopisha nokuthi ungathanda ukutshala imali engakanani, noma yikuphi ukuhweba okuvulekile abanakho kuzokopishelwa ku-akhawunti yakho yokuhweba, njengokuthanda. Umhwebi wamakhophi uzokwenzela zonke izinqumo. Njengoba nabo bezosebenzisa imali yabo, ungaqiniseka ukuthi umhwebi uyakugwema ukuthatha izinqumo ezibudedengu.

Uma sekushiwo lokho, kunezinkulungwane zabathengisi bamakhophi abangakhetha kubo e-eToro, ngakho-ke udinga ukwenza umsebenzi wesikole ngaphambi kokungena.

Ngakho-ke, kulesi sigaba somhlahlandlela wethu kubahwebi aba-5 abahamba phambili ku-eToro, sihlanganise uhlu lwezinyathelo ezidingekayo ukuqala namuhla.

Isinyathelo 1: Ukuthola i-Good Copy Trader

Okokuqala, udinga ukunquma ukuthi yimuphi umtshali zimali onolwazi ofuna ukumthola kopisha ufunde kusuka. Khumbula ukuthi noma ikuphi ukulahlekelwa noma izinzuzo eziza kuwe kuzonqunywa ngokuphelele yimiphumela yemizamo yabo yokuhweba.

I-eToro inabatshalizimali abangaphezu kwezigidi eziyi-12 kwipulatifomu yayo, ngakho-ke kuyindlela ethandwa kakhulu ngabantu abafuna ukukopisha ukuhweba. Masibe sobala nokho, akubona bonke laba batshalomali abazoba namakhono noma isipiliyoni sokukuqinisekisa ukuthi ukopisha imisebenzi yabo.

Ngesikhathi senqubo yakho yokukhetha, qhubeka ngokuqapha futhi usebenzise kahle izinto zokuhlunga. Lokhu kuzokusindisa isikhathi esiningi, njengoba kunezigidi zabadayisi kule ndawo. Uzobona inani elihle lezinketho lapho ufuna abadayisi abahamba phambili ku-eToro futhi zimi kanje:

• Isikhathi - Lokhu kungaba yinoma yini kusukela enyangeni yamanje kuya eminyakeni emi-2 edlule.
• Isimo - Ukukhetha phakathi kwabatshalizimali abaqinisekisiwe nabathandwayo.
• Izwe - Lapho kutholakala khona umtshali-zimali (asicabangi ukuthi lokhu kubaluleke kakhulu ngakho-ke seluleka ukuthi sishiye 'njengendawo yonke indawo').
• Igama nesithombe - Lokhu kungukuthi ubona isithombe sephrofayela noma igama labatshalizimali. Futhi, akunandaba.
• Abakopishi - Thola abatshalizimali ngokususelwa ku- ukuhweba kwezenhlalo isimo somsebenzi.
• Ukusebenza - Thola abatshalizimali ngokusekelwe ekubuyeni kanye nezinyanga ezinenzuzo.
• Ubungozi - Gxila kumphumela wobungozi, ukwehla kwansuku zonke, ukwehla kwamasonto onke.
• Iphothifoliyo - Thola abatshalizimali ngokususelwa kuzimpahla kwiphothifoliyo yabo nosayizi wokuhweba ojwayelekile.
• Umsebenzi - Tisihlungi sakhe sikuvumela ukuthi uthole abantu ngokususelwa kumazinga evolumu nomsebenzi wokuhweba.

Uma uthatha isinqumo sokusebenzisa isihlungi esisodwa noma eziningi, udinga ukushaya inkinobho ethi 'faka isicelo' ngemuva kokukhetha kwakho. Manje usungashaya u-'Go 'futhi uzokhonjiswa uhlu olunwebekayo lwabathengisi bamakhophi. Ngemuva kwalokho uyakwazi ukungena kuphrofayili yomthengisi wamakhophi ukuze uthole imininingwane eningiliziwe.

Njengoba ukwazi ukubona ohlwini lokuhlunga - olutholakala lapho ufuna abadayisi abahamba phambili ku-eToro, kunezindlela eziningi ongakhetha kuzo ongazihlola.

Lokhu kuhlanganisa:

Ukusebenza irekhodi

Ekusesheni kwakho abadayisi abahamba phambili ku-eToro, abatshalizimali abaningi babheka le metric njengesibonisi esibaluleke kunazo zonke ongasifunda. Kakhulu, lokhu kungenxa yokuthi kukhombisa konke ukonakala kokusebenza komthengisi selokhu ajoyina ipulatifomu.

Uma kukhulunywa ngokuqoshwa kokusebenza sincoma ukuthi unake ngokuphelele isikhathi esibekiwe.

Isibonelo, umhwebi angahle abe ngu-46% eluhlaza, okubukeka kukuhle. Kepha, lapho ubhekisisa, ungahle ubone ukuthi kusekelwe ezinyangeni ezimbalwa zokuhweba. Ngokuphazima kweso lokhu kungakhanga kakhulu. Ngamanye amagama, kuyisibonakaliso esinamandla sokuthi bathanda ukuthatha izingozi ezinkulu ekuhwebeni.

Singeluleka ngokuvumela abathengisi bamakhophi abanolwazi okungenani lwezinyanga eziyi-12 endaweni yesikhulumi. Ngokwenza kanjalo, uzoba nombono ongcono wokuthi zisebenza kanjani.

I-AUM (Izimpahla Ezingaphansi Kokulawulwa)

Kafushane nje, i-AUM (Impahla Engaphansi Kokulawulwa) ingabathengisi benani eliphelele lemali njengoba utshalile ukuze ukwazi ukukopisha umhwebi onguchwepheshe. Inani eliphelele lokho umthengisi wamakhophi embuzweni aligcina kuphothifoliyo yakhe.

I-Copiers

Uma ucabanga ukuthi ucabanga ukuhweba ngamakhophi ngokwakho, uzobalwa njenge- 'copier'. Lapho ufuna abathengisi abahamba phambili ku-eToro uzobona amakhophi kanye nesibalo esiseduze noma ngaphansi kwaso.

Lokhu kungaqhathaniswa ngokukhululeka nokuthi bangaki abalandeli abantu abanaso enkundleni ye-Twitter ekhombisa ukuthi badume kangakanani. Ikubonisa ngokoqobo ukuthi bangaki abantu abakopisha ngenkuthalo lowo mhwebi othile.

Ngenkathi umhwebi ebonakala ekhanga ngokwengeziwe ngenxa yenani elikhulu labakopishi, akuyona yonke into futhi iphela-konke.

Izibalo Zokuhweba

Le sethi yezibalo ilungele ukungena ngaphakathi kwekhanda labatshalizimali. Ngokufunda lezi zibalo uyakwazi ukuthola ukuqonda ukuthi umtshalizimali uthanda ukuthenga nokuthengisa ini, ngendlela yokonakala ngokuphelele.

Uzokwazi nokuthola izibalo ezinjengokulahlekelwa okulinganiselwe nokuzuzwa okuvela ngakunye kokuhweba. Kumele kuthiwe futhi kuyindlela enhle yokubona ukuthi umhwebi usebenza kanjani lapho engena futhi ephuma ezikhundleni. Le yindlela enhle yokukhombisa ukuthi umhwebi uthanda ukuthatha ubungozi obungakanani.

Uma kunezimakethe ezithile ofuna ukuhweba kuzo - njenge cryptocurrency ukuhweba or ukuhweba ngamasheya, ngokwesibonelo - lolu lwazi luzoba lusizo olukhulu uma kukhulunywa ngokuthatha isinqumo sokuthi umhwebi ungomunye ofuna ukukopisha yini.

Izilinganiso Zokuhweba

Izilinganiso zomhwebi zihlala zibukeka kahle. Ukuze uthole lokhu, mane uskrolele ezansi kwephrofayili yabatshalizimali. Izilinganiso zokuhweba zingakukhombisa izinto ezahlukahlukene, njengemali emaphakathi yokuhweba ebekwe ngosuku, ngesonto noma ngenyanga (ngokwesibonelo).

Isibonelo, uma umtshalizimali engathengisi kakhulu ngeviki, kungenzeka ukuthi ukukhetha kwabo kuyisu lesikhathi eside (ukuthenga nokubamba). Kwezinye izimo, umhwebi osebenzayo ikakhulukazi uthanda isikhundla sesikhashana.

Imitha Yengozi

Lesi isilinganiso somngcipheko womtshalimali esikhethiwe esinikezwe yi-eToro. Lezi zilinganiso zibuyekezwa njalo. Izinga lobungozi (imitha lengcuphe) lilinganiswa phakathi kuka-1 no-10 - 1 okuyisilinganiso esiphansi sobungozi, bese kuthi i-10 kube ngesiphezulu kakhulu.

Ekugcineni, kukuwe ngokuphelele ukuthi yiliphi izinga lengcuphe ozimisele ukulithatha lapho ukhetha umhwebi ozomkopisha.

Isinyathelo Sesibili: Isabelomali Esincane Sokutshalwa Kwezimali

Lapho inqubo yokukhetha isiphelile, ungaqala ukucabanga ukuthi isabelomali sakho sokutshala imali sizoba yini. Njengoba sithinte phambilini, kuzoba khona 'okunconyiwe; inani eliphansi lokutshalwa kwemali elidingekayo ngaphambi kokuthi ukopishe umhwebi. Kodwa-ke, i-eToro empeleni ikuvumela ukuthi ukopishe iphothifoliyo kusuka ku- $ 200 nje - uma nje uzohlangabezana nalo mkhawulo ungatshala imali okuncane noma okuningi ngendlela othanda ngayo. 

Lapho usukwamukele ukutshalwa kwezimali okukhulunywa ngakho, imali izodluliswa isuswe kwi-akhawunti yakho yezentengiselwano iye kuphothifoliyo yomthengisi (engeza ku-AUM).

Isinyathelo Sesithathu: Ukubukisa Iphothifoliyo

Nasi isibonelo esilula salokho okwenzeka kuphothifoliyo yakho; emva kokutshalwa kwezimali.

Ngenhloso yalesi sibonelo sizosho ukuthi le yiphothifoliyo yomthengisi:

• Amasheya angu-£20,000 e-RBS (20%).
• Izabelo ezingabiza u-£40,000 eHalifax (40%).
• Amasheya anenani lika-£40,000 ku-DHL (40%).

Lapha iphothifoliyo yomthengisi ibiza u- £ 100,000, kepha lokho ngeke kwenze mehluko kuwe. Ukuphela kwento efanele kuwe 'ukukala', okusho ukuthi yiliphi inani isitoko ngasinye esizosengeza kuphothifoliyo.

Ngoba iphothifoliyo yakho izofana nokufana, lokhu kusho ukuthi uma utshale imali engu- $ 4,000 kuphothifoliyo yokuhweba yamakhophi kuzobukeka kanjena:

• U-20% wephothifoliyo yokuhweba ngamakhophi ingamasheya e-RBS, isamba esingu-£800.
• U-40% wephothifoliyo yokuhweba ngamakhophi iku-Halifax Shares, isamba esingu-£1600.
• U-40% wephothifoliyo yokuhweba ngamakhophi iku-DHL Shares, isamba esingu-£1600.

Kuyacaca ukubona manje ukuthi iphothifoliyo yakho iyisithombe sesibuko sokukhetha kwakho umthengisi wamakhophi. Kepha, ngokulinganisa okulinganiselwe nenani olitshalile.

 

Isinyathelo Sesine: Ukubukisa ukuhweba okuqhubekayo

Ngenkathi ungadingi ukwenza noma yini ngemuva kokukhetha umthengisi wakho wamakhophi, unenketho yokukopisha imisebenzi yabo ngokuqhubekayo. Ngemuva kwakho konke, iKufanelekile ukukhumbula ukuthi abatshalizimali bathenga futhi bathengise amasheya namasheya esikhundleni sakho inqobo nje uma unquma.

Isibonelo, uma umhwebi kufanele anqume ngokungazelelwe ukuthengisa wonke amasheya ku-HSBC, khona-ke, amasheya akho e-HSBC nawo ayathengiswa. Futhi ngenye indlela, uma umhwebi ethatha isinqumo sokuthenga amasheya ku-Microsoft, unamasheya akwa-Microsoft nawo.

Kufanele futhi siqaphele ukuthi abadayisi bamakhophi ku-eToro bavame ukufaka imali ethe xaxa endleleni. Isizathu salokhu ukuthi bakwazi ukukhulisa iphothifoliyo yabo ngezimpahla eziningi. Kulesi simo, uzosala nezinketho ezi-2.

Inketho 1 - Faka Izimali Ezengeziwe

Umtshali-zimali ngokuvamile uzokwenza isimemezelo lapho ehlela ukwengeza izimali ezengeziwe ukuze akunike isikhathi esanele sokwenza amalungiselelo.

Noma ngabe uthatha isinqumo sokungavumi noma cha, kufanele kuthiwe umqondo ukukopisha ukuhweba. Ngakho-ke, uma ufuna ngempela ukulingisa okwenziwa ngumtshali-zimali, kuzodingeka ukuthi ufake imali ngokufanele (nangokulingana).

Nasi isibonelo esisheshayo sokuthi lokhu kungabukeka kanjani:

• Ake sicabange ukuthi umtshali-zimali unephothifoliyo ebiza inani lama- £ 25,000 bese bengeza u- £ 5,000 kulokho. Lokhu kusho ukuthi umtshali-zimali ukwandisa isikhundla ngo-20%.
• Manje ake sithi yakho iphothifoliyo inenani lika-£1,000, uzodinga ukungeza u-£200 (20% we-£1,000).

Inketho 2 - Ukulungiswa Okuzenzakalelayo

Uma kwenzeka unquma ukuthi awukwazi, noma awufuni ukufaka imali ethe xaxa kuphothifoliyo yakho lapho-ke isikhundla sakho sizolungiswa ngokuzenzekelayo.

Lokhu kulungiswa kabusha kusho ukuthi i-eToro ngeke ibe nenye indlela ngaphandle kokuthengisa amanye amasheya akho ukuze yenze isikhala sokuthenga okusha. Usazokopisha umtshalizimali, kepha isisindo sizovalwa.

Isinyathelo Sesihlanu: Ukwenza Imali Ngokuhweba Ngekhophi

Uma unolwazi ngama-mutual Funds noma ama-ETFs uzobe usuvele wazi ukuthi ungayenza kanjani inzuzo ngokuhweba ngamakhophi. Lokho kusho ukuthi, uzokwenza imali ngendlela efanayo nokwenza ngokwakho ngokwenza inzuzo ngokuthola izinzuzo nezinzuzo ezinkulu.

Amasheya Wokwahlukaniswa

Uma umtshali-zimali wokuhweba oyikhethile enezabelo kwiphothifoliyo yakhe lapho-ke uzothola isabelo sakho salokho. Izinzuzo zakho zizokhokhwa kuwe ngokushesha nje lapho inkampani yabelana ngenkokhelo.

Lokhu kuhle ekwenzeni inzuzo eningi kakhulu. Njenganoma yini enye ekuhwebeni ngamakhophi, zonke izinkokhelo ozitholayo zizohambisana nenani olitshalile.

Izinzuzo Zezimali

Cabanga ukuthi utshale imali engama- £ 10,000 kuphothifoliyo yokuhweba yamakhophi, futhi kuleyo phothifoliyo inamasheya ahlukene angama-50. 

Ekupheleni konyaka wokuqala, inani eliphelele selikhuphuke ngo-10%. Lokhu kusho ukuthi iphothifoliyo yakho yokuhweba ikhophi inenani elingu- £ 11,000. Ngakho-ke, uma kukhulunywa ngokuphuma esikhundleni sakho, inzuzo yakho izoma ku- £ 1,000.

Ukuphetha

Ngenxa yokuthi ungakwazi ukuguqula iphothifoliyo yakho njengoba ufuna, futhi lapho ufuna, ukukopisha ukuhweba kuyindlela enhle yokutshala imali - noma ngabe impilo ikuphonsela ini. 

Kungase kube nesikhathi lapho umtshali-zimali omkopishayo ethatha isinqumo sokuthenga amasheya emkhakheni ongenayo nhlobo intshisekelo kuwo. Kulesi simo, ungavele uphume esikhundleni ngesandla ukuze ugweme ukuvezwa kulowo mkhakha othile.

Abanye abantu bathanda ukusebenzisa umthengisi wamakhophi angaphezu kwelilodwa ngasikhathi. Lokhu kukuvumela ukuthi uhlukanise phakathi kwabahwebi abaningana - uqhubeke nokunciphisa ubungozi bakho besikhathi eside eceleni kwendlela. 

Njengoba sishilo, abathengisi abahamba phambili e-eToro akubona labo abanenombolo ephezulu kakhulu yokukopisha, ngakho-ke hlala ufunda imininingwane eminingi ngangokunokwenzeka. Kanye nokuqonda okuhle kokuthi ukuhweba ngamakhophi kusebenza kanjani nezingozi ezibandakanyekayo, lolu lwazi luzokusiza ekuhambeni kwesikhathi.

 

Imibuzo Evame Ukubuzwa

Ngingayenza yini inzuzo ngokuhweba ngamakhophi?

Impendulo akuyona emnyama nomhlophe. Vele, kufana nokuhweba kwendabuko kukhona amathuba okwenza inzuzo. Noma kunjalo, asikho isiqinisekiso esingu-100%. Kulokhu, uthembele cishe ngokuphelele kumtshali-zimali owukhethayo.

Ingabe ikhona indlela yokunciphisa ubungozi lapho ukuhweba ngamakhophi?

Enye yezindlela ezinhle onganciphisa ngayo ubungozi lapho ukuhweba ngamakhophi 'ukukopisha' abatshalimali abangaphezu koyedwa. Icala elijwayelekile lokungafaki wonke amaqanda akho kubhasikidi owodwa, uma omunye umtshali-zimali ene-hiccup encane, ungahle ungazizwa ngemiphumela kangako. Vele, akukho lutho olungenabungozi ku-100% ekuhwebeni.

Ziyini izindleko zokuhweba ngamakhophi?

Izindleko zokuhweba ngamakhophi zincike kakhulu kungxenyekazi yokuhweba oyisebenzisayo. I-eToro, ngokwesibonelo, ayikhokhisi lutho ngokusebenzisa lesi sici.

Lapho ngitshala imali kuphothifoliyo yamakhophi okuhweba, ingabe imali yami ikhiyiwe?

Cha. Ngokuvamile, uzokwazi ukuphuma endaweni yakho yokuhweba yamakhophi noma kunini lapho ufuna khona, futhi lokhu kuvame ukwenziwa ngokwengxenye, noma ngokugcwele.

Ngabe kukhona engikushoyo kulokho umhwebi engikhethe ukutshala kuye imali?

Impendulo elula ithi cha. Amasheya athengwayo athengiswayo anqunywa ngokuphelele ngumhwebi. Uma ukusho lokho, ungalawula ngokuvala isikhundla uma ungenasithakazelo kulowo mkhakha othile, noma uze ungeze isikhundla kuphothifoliyo yakho esikuthanda kakhulu.