Xa ukhetha ukuthengisa, unokukhetha kwiindlela ezahlukeneyo zobuchule. Okukhethiweyo kuxhomekeke kwinto ozama ukuyenza. Izinketho zixhobo ezininzi zotyalo-mali, kwaye nangona abaninzi abaqalayo beva ukuba into kuphela abafuna ukuyifeza "ukwenza imali" kukho ezinye izinto.
Ufuna Ukukhetha Khetha kwiPortfolio yakho?
Injongo ephambili yokukhetha abahwebi phantse yenza imali rhoqo.
Nangona kunjalo, abahwebi abanolwazi abanolwazi bafunda ukuqonda ukuba unokhetho olunokusetyenziswa ukufumana ezinye iimpawu ezinqwenelekayo kwiipotfoliyo zabo zokutshala imali. Umzekelo, ukhetho lunokusetyenziswa uku:
- Ukulawula ingozi. Le yongqinisiso oyintloko yokuba abatyali-mali abaninzi banokukhetha iindlela zokuthengisa. Ewe, usalindele ukufumana inzuzo, kodwa ukhetho luyakuvumela ukuba ulandele le ntlawulo ngeyona mngcipheko wokulahleka imali kwi-yorhwebo. Ukongezelela, izicwangciso eziphambili zivumela ukuba ubeke ilahleko ephezulu kunokwenzeka nayiphi na yorhwebo - into enotyalo-mali onayo isitokhe ayikwazi ukwenza njalo (nangona i-order-loss loss order isendaweni, nangayiphi na intsasa kusini na isitokhi sinokungena phantsi ngaphantsi kwexabiso lokuyeka ukulahleka). Ubungakanani obuphezulu bokufumana inzuzo kunye nokulahlekelwa okuncinci yinto eninzi abahwebi abanokuyiqonda ngayo.
- I-Hedge, okanye ukunciphisa umngcipheko wokuba nezikhundla ezisele kwipotfoliyo yakho. Ungathenga kunye okanye uthengise iindlela zokubeka izikhundla ezikhoyo. Ezinye zezi ndlela zinciphisa inzuzo, ngelixa abanye bengenzi. Xa umrhwebi efunda ukuqonda indlela ongakhetha ngayo ukusebenza, kuba lula ukugqiba ukuba ngaba ukhetha ukuhlawula imali (cinga nje ngenkqubo yomshuwalense ) ukukhusela iphothifoliyo okanye ukuqokelela i-premium ukuba yamkele ukukhuselwa kuphela.
- Khusela ukubamba kwakho kwiindawo ezinkulu zokuthengiswa kwempahla. Ayenzi ngokuqhelekileyo, kodwa siye sabona ezinye iimarike ezithintekayo kwiimarike zethu kwimpilo yethu, kwaye ngokuqinisekileyo kuya kuba ngabanye.
- Izibikezelo zemakethe yeTweak. Oku kubaluleke ngakumbi kubahwebi abanamava. Ngokomzekelo, unokuba ufuna ukufumana isikhundla esiphezulu kwisitokethi esinikeziweyo okanye inkcazo, kodwa ukhetho luyakuvumela ukuba ufumane iingcamango zakho. Omnye umzekelo: Unako ukwandisa inzuzo yakho ngenzuzo ngokuchaza ngokuchanekileyo ubungakanani bexabiso lempahla yamashishini.
Ngaphambi kokuba Uqale
Igama lokulumkisa lilungelelaniswa. I-Rookies kufuneka iqonde imigaqo enye eqinile xa kuthengiswa: Ungaze ubeke imali engozini ngaphandle kokuba uqinisekile ukuba uyaqonda kakuhle into oyenzayo. Akukho nto iphosakeleyo ngokuhlawula iingcebiso, kodwa kufuneka wenze inxalenye yakho kwaye uqiniseke ukuba urhwebo lufanelekile ukunyamezela kwakho (jonga # 5). Ngaphezu koko, ukuba awuyiqondi into eyenzekayo kwisithuba sokwenza imali (nokuba ingalahlekelwa njani imali), ngoko akukho sizathu sokwenza urhwebo.
Ukuba uqala ukurhweba naziphi na izicwangciso zokukhetha ngaphandle kokuqonda ngokucacileyo indlela nganye yezicwangciso ezisebenza ngayo kunye nento ozama ukuyifeza xa usebenzisa, oko akunakwenzeka ukulawula urhwebo ngokufanelekileyo. ngamanye amagama, xa ukhetho lokuthengisa awukwazi ukuthenga nokugcina ifilosofi.
Izinketho zenzelwe ukuba zithengiswe, kungekhona ngokoqobo, kodwa xa wenza urhwebo, kukho ixesha elifanelekileyo lokuphuma. Ngethemba ngeenzuzo, kodwa umphathi omngcipheko (nguwe) uyazi ukuba urhwebo oluthile alusebenzi kwaye kubalulekile ukuba uphume kwindawo. Ukuba kufuneka uthathe ilahleko, oko makube njalo. Ungalokothi ubambe urhwebo olulahlekileyo lithemba ukuba luya kuphinda luphule .
Izicwangciso ezicetywayo zokukhetha
Olu luhlu olutshane loluqhinga luqulethe iindlela endincomayo.
- Ukubhalwa kweefowuni
- Ukuthengiswa kwemali ekhuselekile yokubeka i-naked
- Iingxowa kunye nokutsalwa kwemali
- Collars
Kwabaninzi abahwebi bezakhono:
- Intsimbi iyakhupha
- Idiagonal , kunye nokudibanisa kabini
Ezi zicwangciso zintandathu ezicetyiswayo kubarhwebi bokukhetha. Kukho ezinye izicwangciso ezilungileyo ezikhoyo, kodwa ezi ndlela zilula ukuqonda. Xa uqala ngokukhetha, kunenzuzo ukusebenza kunye nezicwangciso ezikuvumela ukuba uqiniseke ukuba uyazi indlela yokuvula, ukulawula nokuvala iindawo zakho.
Iifowuni ezifihliweyo
Phezulu kwoluhlu lufakwe ukubhalwa kweefowuni (CCW). Le yindlela emangalisayo ye-rookies ukufunda konke malunga nokukhetha. Uninzi lwee-cookie sele ziqonda i-market market kunye namava atyala.
Ngaloo ndlela, ukuqala ngesicwangciso sokukhetha okubandakanya ubunikazi bempahla yindlela enengqiqo yokuzisa abatyala-mali kwihlabathi lezinto ezikhethiweyo.
Inkcazo: Ukubhalwa kweefowuni efihliweyo-Ukuthengiswa kwekhowudi enye yokuxhaswa (ehlanganiswe) ngezabelo eziyi-100 zesitokethi nganye.
Ukuzalisekisa esi sicwangciso, zithengela izabelo eziyi-100 (okanye ngaphezulu, ngeenombolo ezininzi ze-100), okanye sebenzisa izabelo onokuzo kwaye uthengise ukhetho olulodwa kwizabelo eziyi-100.
Xa uthengisa ukhetho lwefowuni, i-premium yemali iqokelelwa, kwaye loo mali ingeyakho ukuba igcine, kungakhathaliseki ukuba kwenzekani kwikamva.
Xa uthengisa (bhala) ukhetho lwefowuni:
- Unyanzelekile ukuba uthengise izabelo eziyi-100 zesitokethi kwixabiso elithile, eyaziwa njengexabiso lentlawulo - ngexesha elincinci - kodwa kuphela xa umninimzi ukhetha ukukhetha ukhetho kwaye unikwe isaziso sokusebenza. Leso saziso sisigidimi esivela kwi-broker yakho ekutshilo ukuba inketho yakho emfutshane yayisetyenziswa kwaye uthengisa ngokuzenzekelayo izabelo eziyi-100 kwintengo yesiteleka. Isikhundla sakho sithuba sinyamalale (emva kokusetyenziswa, ukhetho alukhokho) kwaye isitokhwe sisusiwe kwi-akhawunti yakho. Imali iya kubonakala xa isitengiso sithengiswa kwiintsuku ezintathu.
Wena, njengomthengisi wokukhetha, ungatsho ukuba ngaba ukhetho luye lwasetyenziswa okanye cha. Esi sigqibo singomnikazi wokukhetha. Ukuba oko kungabonakali kulungile, khumbula nje ukuba umthengi uhlawule imali ukuze afumane lelo lungelo. - Inketho iyimvumelwano ebophayo echaza intengo yesiteleka kunye nomhla wokuphelelwa yisikhathi. Umbopheleleko wokuthengisa izabelo zakho zihlala ixesha elincinane - de kube umhla wokuphela. Ukuba umsebenzisi ukhetha ukuhluleka ukusebenzisa xa loo mhla ifika (ixesha lokuchithwa lingama-30 imizuzu emva kokuba imarike ivale ngosuku lokuphelelwa yisikhathi), uxanduva lwakho luphela, kwaye ukukhethwa kwefowuni kuphelelwa lixesha.
- Imali (i-premium) oyiqokelele xa uthengisa inketho ayiyiyo inxalenye yesivumelwano. Le ntlawulo ye-premium ichaza kuphela urhwebo olwenziwe phantsi komnye wendlela yokutshintshiselana .
Xa ubhala umnxeba, kukho iziphumo ezimbini kuphela. Ngandlela-thile, kufuneka uvuyiswe.
- Ifowuni isetyenzisiwe, kwaye isitokiselwano sithengiswa ngexabiso olivunyelwene ngalo kwisivumelwano (intengo yesiteleka). Ukongeza, ufumana ukugcina i-premium yemali.
- Ikhetho liphela lilize . Uphambi komdlalo yi-premium yemali eqokelelwayo. Usenayo isitokthi kwaye unako - ukuba ukhetha - bhala enye inketho yefowuni uze uqoke enye i-premium.
Kukho okungakumbi okuza kufunda malunga neli qhinga, kodwa oku kufanele kube ngokwaneleyo ngenjongo yesingxoxo esisisiseko sokuqala. Ukuba kuzwakala kukhangelekile, ngoko kufike ixesha lokufunda ngakumbi malunga neenkcukacha zendlela yokuphunyezwa okanye ukubhala. Musa ukungena kwisenzo ngokwenza amashishini ambalwa. Ukuba i-CCW ayifuni, qwalasela elinye iqhinga eliluhlu.
Ndiyincoma le ndlela kubo bonke abaqalayo kuba esi sicwangciso sisisiseko kwaye kulula kubantu abangenalo ulwazi lokukhetha ukuyiqonda, ndincoma ukuba ufunde konke ngeCCW kuba le migaqo iyasebenza kuzo zonke izicwangciso zokukhetha. Qaphela: Akuyimfuneko ukuthengisa olu qhinga. Kodwa yinto efanelekileyo ukuyiqonda. Ndiyazi ukuba abantu abaneengxelo ezincinci zentengo-mali angeke bakwazi ukuthenga isitokisi.
Uphuhliso oluthile
Xa uthengisa i-out-of-money (oko kukuthi, intengo yesitokisi iphezulu kunexabiso lentengiso), i-premium yemali iqokelelwa. Leyo mali iyakho ukugcina, kungakhathaliseki ukuba kwenzekani enye into. Kukho iziphumo ezibini zorhwebo:
- Okukhethwa kukho kuphelelwa yinto engenamsebenzi (intengo yesitya ingaphezu kwexabiso lentengiso), kwaye inzuzo yakho yintlawulo eqokelelwayo.
- Xa iphelelwa yisikhathi, ixabiso lentengo liphantsi kwexabiso lentengo. Oko kuthetha ukuba umnini-khetho uza kusebenzisa amalungelo akhe ukuthengisa izabelo eziyi-100 zesitokethi kwixabiso lentengiso, kwaye unyanzelekile ukuthenga ezo zabelo. Ukuthengiselana kwenziwa ngokuzenzekelayo, njengokuba xa unikwe isaziso sokusebenza kwifowuni oyithengisayo xa ubhala iifowuni.
Xa uthengisa ukhetho lokubeka, wawuzimisele ukuthenga isitishi kwisiteleka. Ukuba kwaye xa unikwe isaziso sokusebenza, ungasayi kufuna ukufumana isitokisi. Kodwa jonga ngale ndlela: Ukuba uthenge i-stock kwixabiso layo lemarike ngaphambili (xa uthengisa ukhetho olukhethiweyo endaweni yoko), ubuya kuhlawula intengo ephezulu, kwaye awuyi kuqokelela i-premium yemali. Ngoko awuyi kuvuya, (kwaye unokuhlala uthengisa isitokisi), kodwa ungcono kakhulu kunokuba uthenge isitoko endaweni yokuthengisa okukhethiweyo.
UkuSasaza ngeNtengo
Esikhundleni sokuthengisa izinto ezingenakuphepha (ezihamba), umthengisi angathengisa enye aze athenge enye. Ukuthengwa kuthengwa njengomgaqo-nkqubo we-inshorensi, ukunciphisa ukulahleka. Kwakhona kunciphisa inzuzo, kodwa ndiyanincenga ukuba ukholelwe ukuba ukulahlekelwa kwelahleko kuyisisiseko kwimpumelelo yakho yexesha elizayo kwaye ukuba ukwamukela inzuzo encinci yintengo efanelekileyo ukuhlawula ngokuqinisekileyo ukuba awuze ulahlekelwe yilahleko enkulu kakhulu ukuba ungayisingatha. Sonke sifuna ukuba ngabacingisi abafanelekileyo, kodwa abaphumeleleyo abahwebi bayazi ukuba injongo ephambili kukukhusela i ntlekele yemali. Umda wokulahlekelwa ufezekisa oko.
Nangona le yenye yezona zizithandwa kakhulu (ngezizathu ezifanelekileyo) izicwangciso zokukhetha, abathengi abatsha abanokukhethwa kufuneka baqonde izinto ezisisiseko zokuthengisa izinto phambi kokusasazeka kwezorhwebo. Ngoba? Kuba kulula ukuqonda indlela ukusasazeka kusebenza ngayo xa uyazi ukuba izixhobo zayo zisebenza njani.
Collars
Le yona ndlela isilungelelaniso kwezicwangciso ezidweliswe apha. Kungenxa yabantu abanomdla wokugcina imali yabo enkulu kunokuzama ukufumana imali eninzi. I-collar yindawo ekhuselekileyo kunye nokuzuza okuncinci kunye nokulahlekelwa okulahlekileyo.
Omnye kufuneka aqale kwindawo ethile, kwaye ndikhuthaza abathengisi abatsha ukuba bafunde iingcamango ezisisiseko malunga nokukhetha kunye nokufunda iindlela ezithile zokuzisebenzisa. Izicwangciso ezidweliswe apha zi sebenza kum, kodwa andinakuqinisekisa ukuba baya kwenza okufanayo kuwe. Inqaku liyi: Funda kuqala; kurhweba kamva.