Ukusebenzisa Ubulungisa bakho obukhoyo kwiintengo zeeMali zePortfolio yakho
Yintoni oyenzayo? Lindela, nethemba lexabiso elifanayo (okanye eliphantsi), ukuthatha ingozi yokuba ngokuhlala eceleni ungayiphuthelwa ithuba lokuthenga ngentengo ekhangayo ?
Akunjalo. Kutyalo-mali oluthile, kukho umgaqo obizwa ngokuba yi- cash carry . Yiyo imfuneko yokuphuma kwemali eyimfuneko ukuxhasa ityala okanye umbopheleleko. Iimali zenza kube lula ukusebenzisa amandla akho okuthenga umda wokuxhasa imali yokufumana ezo zabelo ngaphandle kokufaka ingozi enkulu. Kukho izixhobo ezintathu ezibalulekileyo ukwenzela ukuba usebenze umgaqo-mali wemali. Masihlole nganye.
Ukuze uthathe inzuzo yeCash Carry, kufuneka ube nezinye iimali-mboleko okanye ii-Asset Against Which You Can Borrow
Makhe ndithethe kwakhona, njengoko ndinamaxesha amaninzi kwisayithi, ukuba ngokuqhelekileyo, ityala lokungena ematyaleni liyingozi kakhulu kubaotyalo-mali abaqhelekileyo kuba kunokubangela ukuba utshintsho oluncinci kumanani emarike ukutshatyalaliswa kwabo bonke ubulungisa babo, bebashiye kwaye, kwezinye iimeko, baphoqelelwe ukuba baxelele i-bankruptcy ngenxa yokuba abanako ukufeza umbopheleleko wabo kwi-brokerage house.
Nasi umzekelo okwenzayo: Cinga ukuba unayo i-$ 50,000 kwi- akhawunti yakho yomrhwebi , yonke into etyalomali kwi-stock chip. Yonke into elinganayo, unokuboleka imali engama-50,000 kwii-securities ukwenzela ukuba ekugqibeleni, ube ne-$ 100,000 yamasheya kunye ne-$ 50,000 yamatyala ekuhlawulwa ngawo ngentlawulo yemali ekufuneka ichongwe yi-firmware yakho okanye kwiziko lemali.
Awusoze ufune ukunyusa amandla akho okuthenga amaninzi kuba xa kwenzeka ukulungiswa, izitokisi zakho zingaphantsi kwe-10%. Kwi-portfolio ye-100,000, eyi-$ 20,000-okanye i-20% ye-equity equity $ 50,000 bubulelo (okanye akukho mbulelo, kweli phepha) ukuya ku-2-1. Oko kuthetha ukuba ubulungisa bakho buya ku-$ 30,000 ngelixa i-debt yakho yomda ihleli i $ 50,000. Kunokwenzeka ukuba ufumane ifowuni evela kumthengisi wakho ekutshilo ukuba ubeke imali eyongezelelweyo ngokukhawuleza okanye baya kuthengisa iisitokethi kwi-akhawunti yakho ukuhlawula amaninzi amatyala abo kunokwenzeka. Kwiimeko ezininzi, oku kungabangela intlawulo yeentlawulo zentengo kunye nokubeka imeko engalunganga. Oku kusizisa kwinqanaba lethu lesibini.
Ukushiya umgama okhuselekileyo woKhuseleko ngoko-ke awuyi kuthotyelwa kwi-Call ye-Margin Nangona u-1987-Uhlobo lwe-Crash lwenzeka ngaphandle kwesilumkiso
Umgaqo oqhelekileyo wezithupha, ongasenamandla kakhulu kumtyalo-mali, ulawulo lwe-2 / 3rds. Ngokwenene, thabatha ibhalansi yemali yakho, kule ngxaki i $ 50,000, kwaye uhlule ngo-.67 - kumzekelo wethu, umphumo uyi-$ 74,626. Ngoku, thabatha eso sixa uze ususe ibhalansi yakho yokulingana ($ 50,000) uze uphele nge $ 24,626. Le mali ephezulu enokuyiboleka ngokuthatha amanani e-stock isingqiqweni kwaye awulindelanga ukuba kukho ukutshitshiswa okukhulu kwezemali.
Enye imetriki eyamkelekileyo yimiqathango engapheliyo ye-3 / 4th ongayifaka esikhundleni sayo .75 ukwenzela ukuba .67 iguquke kwifom. Kule meko, uza kugqiba ngeentloni ezili-16,700 zamaRandi. Nguwe kuphela nomcebisi wakho wezezimali onokuyinquma ukuba yiyiphi inkqubo enokuqonda ngokubhekiselele kwiinjongo zakho kunye neemeko ezithile.
I-Stock (okanye enye i-Asset) kufuneka ivelise amaxabiso amaninzi e-Cash malunga neendleko
Kwimeko yeesitokisi eziqhelekileyo , unokufuna i-nice, ekhuselekile, inqatha, isivuno somvuzo . Ukusebenzisa umzekelo wethu we-US Bank, unokuthenga i-$ 24,626 ye-stock kwi-marginal ngokumalunga ne-50,000 ye-equity balance balance. Isitoko sivelisa malunga ne-4.5%, okanye malunga ne-$ 1,108 ngonyaka wokuqala. Ukuba inani lakho lokutyala lomda lalingama-8.5%, umrhumo wakho wonyaka wokuqala wendleko wawuba ngu-2,100. Ukuba isitokethi singakhokheli naziphi na izabelo, le mali iya kuthi yongezwa kwisikwere sakho semali esithengisa i-$ 26,726 kwiinyanga ezili-12 zokuthenga.
Sekunjalo, endleleni, loo mivuzo iya kubonisa, ukunciphisa iindleko zokuthwala ityala. Kule meko, iindleko ezipheleleyo ziza kuphengulwa ngesiqingatha, okubangele ukwandiswa kwetyala lomda-mali ukuya kuma-25,618 kuphela xa kuthelekiswa. Oku kwongeza kwinqanaba lokukhusela kwaye ukuba unako ukwenza ubuncinci ukubeka u-$ 992, ukulinganisela kwakho kwemali kuya kuhlala i-$ 24,626-iindleko zezabelo. Okwangoku, kwiminyaka embalwa, ixabiso lezo zabelo kufuneka (unethemba) ukunyuka kwaye uya kufumana imvula yakho okwangoku, ukuvumela ukuba uhlawule imali.
Lumkiso! Oku akusiyo Inkqubo efanelekileyo kuTyalo-mali abaninzi!
Ngaphandle kokuba unemali ekhuselekileyo, unako ukuhlangabezana neendlela ezinokuthi unobungozi obuninzi, unomlinganiselo okhuselekileyo wokhuseleko ngendlela yobhaliso lobulungisa njengepesenti yemali epheleleyo yamanqaku, kwaye uyaqiniseka ngokusekelwe kwinqanaba lokuhlalutya kwenkampani. Uluhlu lweefayile kunye namanye amaxwebhu ofumene isitoreji okanye i-asethi engabonakaliyo, kwaye ulindele ukuba imvula ingabikho ukuhlawula ibhalansi, le nkqubo ingenakulungelekanga kuwe. Ungazami ngaphandle kokuba udibana nale nkcazelo kunye nomphathi ofanelekileyo, ojongene kakuhle nemali osebenza naye ukholelwa ukuba kufanelekile.