1% Umgaqo weengozi
Umgaqo we-1% wemingcipheko wokubeka umngcipheko awusayi kubeka ingozi ngaphezu kwe-1% ye-akhawunti yakho kworhwebo olulodwa.
Oko akuthethi ukuba unayo i-akhawunti engama-30,000 ye-akhawunti yokuthengisa unokuthenga kuphela i-stock (300% ye-$ 30,000). Enyanisweni, ungasebenzisa yonke inkunzi yakho yorhwebo, okanye nangakumbi xa usebenzisa umlinganiselo . Ukuphunyezwa komgaqo wokubeka umngcipheko we-1% kuthetha ukuba uthatha amanyathelo okulawula umngcipheko ukuze (mhlawumbi) ungalahlekelwa ngaphezulu kwe-1% - $ 300 kule ngxaki - kworhwebo olulodwa. Indlela yokusebenzisa iindlela zobuchule bokulawulwa kweengozi, ngoko ubeka ingozi kwi-akhawunti yakho ye-akhawunti nganye kwi-intanethi nganye, ixoxwa ngezantsi.
Izizathu zokusebenzisa i-1%
Ukurhweba kunzima, kwaye akukho namnye onqoba yonke intengiso. Umgaqo we-1% wokubeka umngcipheko uyakunceda ukukhusela i-capital capital yomthengisi ekuhlahleni kakhulu xa bengathengisi kakuhle okanye xa imeko yeemarike yenza kube nzima ukwenza imali. Ukuba ubeka ingozi kwi-1% ye-balance balance account yakho kwintengiso nganye kufuneka ulahlekelwe ngamashishini angama-100 ngokulandelelana ukususa i-akhawunti. Ukuba ngaba abathengisi beevenkile balandela ulawulo lwe-1%, abaninzi babo babeza kuqhubeka kunzima kakhulu ngonyaka wokuqala.
Ukubeka ingozi 1% (okanye ngaphantsi) ngorhwebo kungabonakala ngathi yimali encinci kwabanye abantu, kodwa kunjalo unokwenza iindleko ezinkulu. Ukuba ubeka ingozi kwi-1%, ukulindela inzuzo kwintengiso nganye kufuneka ube yi-1.5% ukuya ku-2%, okanye ngaphezulu. Ukwenza imisebenzi emininzi ngemini, ukufumana amanqaku ambalwa eepesenti kwi-akhawunti yakho imihla ngemihla inokwenzeka, nangona uzuza kuphela isiqingatha soshishino lwakho.
Nantsi indlela yokwenza ngayo.
I-1% yesicelo soMngcipheko
Ngokufaka ingozi kwi-1% ye-akhawunti yethu, kwintengiso enye, sithengisa ngokwemiqathango yethu. Ngaloo nto ndiyathetha ukuba ungenza urhwebo olukunika ukubuyiswa kwe-2% kwi-akhawunti yakho, nangona i-marhwebo ishukumisela inxalenye yepesenti. Ngokufanayo, unokubeka ingozi kwi-akhawunti yakho ye-1% nokuba ixabiso lihamba ngo-5% okanye i-0.5%. Oku kwenziwa ngokusebenzisa iithagethi kunye nokuyeka imiyalelo yokulahlekelwa .
Emva kokuba ufunde indlela yokuhamba kwempahla yoshishino - okanye enye imakethi efana nekamva okanye iphambili - cinga ukuba ubona ukusekwa kwezorhwebo apho ufuna ukuthenga i-stock kwi-$ 15. Unayo i-akhawunti engama-30,000. Ujonge kwitshati uze ubone ixabiso elifakwe kutshanje kwi-short-term swing low kwi-$ 14.90. Ubeka ilahleko yokuyeka kwi-$ 14.89, ipesenti enye ngaphantsi kwezona zinto zingaphantsi (jonga phi ukubeka i-Stop Loss ). Ngoku ukuba uyazi indawo yakho yokulahlekelwa indawo ungabala ukuba zingaphi izabelo ezithathayo ukuze ungalahlekelwa ngaphezulu kwe-1% ye-akhawunti yakho.
I-1% yeedola ezingama-30,000 yi-$ 300, yile mngcipheko we-akhawunti yakho. Ubungozi bakho bezorhwebo ngu-$ 0.11, okonahluko phakathi kwexabiso lakho lokungena kunye nokuyeka ukulahleka kwexabiso. Hlukanisa umngcipheko we-akhawunti yakho ngengozi yorhwebo ukuze ufumane ubungakanani besikhundla esifanelekileyo: $ 300 / $ 0.11 = i-2727 izabelo. Ukujikeleza oku ukuya kwi-2700. Yiyo ke ininzi izabelo ongayithatha, ngenxa yolu shishini, ngoko ungalahlekelwa ngaphezulu kwe-1% ye-akhawunti yakho.
Qaphela ukuba ama-2700 amaxabiso kwi-$ 15 axabisa i-$ 40,500 yamawaka, engaphezulu kwerhwebo. Ngoko ke, ubuncinane bokubaluleka okungenani 2: 1 kuyadingeka ukwenza lo shishino.
Ukuba ixabiso lihlahlela ukulahleka kwakho kokulahleka uza kulahleka malunga ne-1% yentengo yakho enkulu, okanye ungaphantsi kwama-$ 300 kulo mzekelo. Kodwa ukuba ixabiso lihambela phezulu kwaye uphuma kwi-$ 15.22 uyenza phantse i-2% ngemali yakho, okanye u-$ 600 (amashishini angaphantsi). Oku kungenxa yokuba isikhundla sakho silinganiswe ukwenza okanye ukulahlekelwa malunga no-1% kwi $ 0.11 nganye. Ukuba uphuma kwi-$ 15.33 uyenzela phantse i-3% kworhwebo, nangona ixabiso lihambele malunga ne-2%.
Uhlobo lweendlela luvumela ukuba izakhono zivumelanise ukulungelelanisa kuzo zonke iimeko zeemarike, nokuba zinyanzelise okanye zenzeke kwaye zenze imali. Le ndlela isebenza nakwiimarike. Ngaphambi kokurhweba maziqaphele ukuthungatha ; yilapho ungeke ukwazi ukuphuma kwixabiso lokulahleka kokuyeka kwaye ungathatha ukulahlekelwa okukhulu kunokuba kulindeleke.
Utshintsho loMgaqo
Umgaqo we-1% wengozi uqhelekileyo kubantu abaneeakhawunti zokurhweba ezingaphantsi kwama-100,000. Nangona i-1% isinconywa, xa uncedisa ngokuqhubekayo abanye abathengisi basebenzise umgaqo-mngcipheko we-2%. Kuyafana, ngaphandle kokuba uvunyelwe ukubeka ingozi kwi-2%. Umgangatho ophakathi wawuza kubeka ingozi 1.5%, okanye nayiphina ipesenti engaphantsi kwe-2%.
Iingxelo ezingaphezu kweedola ezili-100,000 abahwebi abaninzi abanobungozi abangaphantsi kwe-1%. Ngokomzekelo, banokubeka umngcipheko kwi-0.5%, okanye nokuba ngu-0.1% kwi-akhawunti enkulu. Xa ukuthengiswa kwexesha elifutshane kunzima ukuba kubekho umngcipheko kwi-1% ngenxa yokuba ubukhulu bendawo buba nzima. Umrhwebi ngamnye ufumana ipesenti abaziva bekhululekile kunye kwaye ivumelane nokuthengiswa kwemarike ekuthengiseni kuyo. Naliphi ipesenti ozikhethayo, gcina phantsi kwe-2%.
ILizwi lokugqibela kwi-1% Rule Rangers
Ulawulo lwe-1% lunokuthi lugqitywe ngokuhambelana nobukhulu be-akhawunti yomthengisi ngamnye kunye nemarike. Beka ipesenteji ulungile ngokubeka ingozi kwaye ubale ubungakanani bendawo yokuthengisa nganye ngokwexabiso lokungena kunye nokuyeka ukulahleka. Ukulandela ulawulo lwe-1% kuthetha ukuba unokumelana nomtya omude welahleko. Ukucinga ukuba abaphumeleleyo bankulu kunokuba balahlekileyo uya kufumana i-capital yakho ayiyeki ngokukhawuleza kodwa ingavuka ngokukhawuleza. Ngaphambi kokufaka ingozi nayiphi na imali, nokuba ngu-1%, kucetyiswa ukuba usebenzise isicwangciso kwi-akhawunti ye-demo uze uqinisekise ukuba uhlala unenzuzo kuyo.