Uthelekiso lweeKhomishoni
Kwixesha lekhompyutheni, amaxabiso omishishini kwizinto zokurhweba ziye zancipha ngokuphawulekayo.
Ngama-1990, abaninzi abathengi bempahla babetyala imali engaphezu kwama-150 engama-round-turn-turn, oku kuthetha ukuthenga nokuthengisa. Ukususela ngo-2005, iirhafu zesevisi epheleleyo ziye zahla phakathi kwe-$ 30 ne-80 zama-per-turn turn.
Khumbula, ukuhlawulwa kweerhafu kwiikhontrakthi zexesha elizayo zihlawulwa ngekhontrakthi, kungekho ngomyalelo. Ngoko ke, ukuthengiselana kweemvumelwano ezili-100 zibiza ngokuphindaphindiweyo ngaphezu kwe-1 yesivumelwano. Abadayisi bee-elektroniki bashiya zonke izigqibo kunye nokwenziwa kwazo kwaye banikezela amaxabiso aphantsi kakhulu xa kuziwa kwiinkomishishini zemali.
Kubalulekile ukuqinisekisa ukuba uhlala uqhathanisa iikhomishini ngokusekelwe kwizinga lokujika. Ixabiso lokujikeleza elijikelezayo libandakanya zombini ukuthenga nokuthengisa amacandelo omsebenzi. Ireyithi ye-turn-rate ibandakanya kuphela ukuthenga okanye ukuthengisa kwicala loshishino.
Isitayela sokuthengisa somthengisi wenkonzo egcweleyo sinendima enkulu kwikhomishini wena ukuba iirhafu ze-broker. Ukuba umthengisi unqwenela ukwenza iziphakamiso zorhwebo ngalunye suku, umthengi kufuneka alindele isantya sekhomishini endaweni ethile kufuphi nomda ophantsi kweloluhlu.
Ukuba umthengisi uceba kuphela ukwenza enye yorhwebo inyanga nganye okanye ezimbini, kufuneka ulindele amaxabiso omishishini ekupheleni kwebala.
Umthengisi wemveliso usemashishini ukwenza imali, kodwa omnye kufuneka aqiniseke ukuba ahlawula iingcebiso eziqinileyo kunye neengcebiso kwaye kungekhona nje ukuhlawula iikhomishini.
Akunakwenzeka ukuba i-akhawunti yakho iya kuba nenzuzo ukuba ungumthengisi okhutheleyo ohlawula i-$ 80 ngokujikeleza kwee-commissions.
Iikhomishini zeNtsebenziswano
Abaninzi abathengisi abatsha baya kukhetha umthengisi weemveliso ngokusekelwe kwiirhafu zekhomishini. Kukho okunye okuninzi kwishishini yexesha elizayo ngaphandle kwezinga lembuyekezo ehlawulwa kumthengisi. Izizathu eziphambili zokukhetha umthengisi weempahla kufuneka ukuba ngaba ukholelwa ukuba umthengisi uya kukhulisa inzuzo ye-akhawunti yakho kwaye ukuba uziva ukuba umthengisi uya kuba ngumlingani oxabisekileyo xa kuziwa ekuncedeni ukufikelela ekujoliswe kuko kunye neenjongo kwiimarike ezizayo.
Iqumrhu leshishini lokuthengisa umrhweba lihlawula malunga ne-$ 10 ukuya kwi-15 yee-15 ukucima imveliso yabo ne FCM yabo. I-broker yakho yempahla ihlawulwa ngokuqhelekileyo malunga nama-50% eemishini ezihlawulwe kubaxhasi. Ngokuqhelekileyo, imali yokucoca ikhutshwe ngqo ngaphandle kweyona ntlawulo. Ngoko, ukuba ulindele ukufumana isamba se-30 sekhomishina esivela kumthengisi wakho, umthengisi mhlawumbi ufumana imali engaphantsi kwama-10 kwi-yorhwebo nganye.
Omnye kufuneka abe nengqiqo xa eqesha umthengisi wenkonzo epheleleyo ukwenza nokwenza iingcebiso. Kuya kuba kulungile ukulindela umthengisi ukuba anikezele isiqingatha somhla kumntu owenza kuphela intengiso enye ngenyanga nganye efumana i-broker $ 20 ngokuthunyelwa.
Nangona kunjalo, umrhwebi osebenzayo ohlawula imali eninzi kwii-commissions rhoqo ngenyanga kufuneka aqiniseke ukuba umthengisi ulungele ukunikela ixesha elifunekayo lokuncedisa i-akhawunti ngendlela efanelekileyo.
Uninzi lwabathengi bempahla lukulungele ukuxoxisana neentlawulo zekhomishini, ngakumbi xa kuziwa kubaxhasi babo abasesikweni nabasebenza. Ukuba awukwazi ukuxoxisana namazinga aphantsi xa uvula i-akhawunti, unokukwazi ukuthetha ngokukhawuleza xa ubuhlobo kunye nomrhwebi wakho lukhula.
Ukuba awuzange wenze imali kunye nomthengisi wakho weempahla ngenxa yeengcebiso zabo, unokuhlala uxoxisana ngekhefu kwiikhomishini. Nangona kunjalo, ukuba uhlala ulahlekelwa imali kunye nomthengisi, kusenokuba ixesha lokukhangela omnye umntu.
Ukuba umthengisi wakho ukwenza ukubuyiswa okuhle kwi-investment yakho ungayifuni ukugubha isikebhe njengasehlabathini lempahla yabathengi, omnye ufumana oko ahlawulayo.
Abanamathengi bezinto ezilungileyo abanzima ukufumana. Kuhlala kulungele ukuhlawula iikomishoni eziphezulu kulabo abahlala bemenza imali kunokuba bathathe ithuba kunye nomthengisi ongenakukhutshwa kwaye ongenakunyulwa.