Kutheni Kuthatha iindleko ezingaphezu kweeNdowuni

Yenzelwe ukunyanzeliswa kwezenzo

Kuba phantse zonke izitishi okanye inkcazo ezinokukhetha ukurhweba, ubeka ngaphezulu kuneendleko. Ukucaciswa: Xa kuthelekiswa iindlela ezinokuthi amaxabiso esiteyimu angaphandle kwemali (OTM), ibeka i-premium ephezulu ngaphezu kweefowuni. Zineendawo eziphezulu zeDalta .

Esi sisiphumo se- skew . Makhe sibone indlela oku kusebenza ngayo umzekelo oqhelekileyo.

I-SPX (i-Standard & Poors 500 Index Index) okwangoku ithengisa nge-1891.76 (kodwa umgaqo ofanayo ubeka xa ubheka i-data).
I-call ye-1940 (ama-48 amanqaku e-OTM) ephela kwiintsuku ezingama-23 ibiza i-19.00 $ (ibhidi / ukucela phakathi)
I-1840 ibeka (ama-50 e-OTM) ephela kwiintsuku ezingama-23 ibiza i-$ 25.00

Ukwahlula phakathi kwe-$ 1,920 kunye ne-2,610 yee-dollar kubaluleke kakhulu, ngokukodwa xa kufakwe iingubo ezi-2 ngaphaya kwemali. Ngokuqinisekileyo, oku kukuthandayo umtyalo-mali onokutshatyalaliswayo onokuthenga izinto ezikhethiweyo kwixabiso elithandekayo. Ngakolunye uhlangothi, umtyalo-mali onokufuna ukufumana ikhetho enye kufuneka ahlawule isohlwayo xa uthengisa iindlela zokukhetha.

Kwiimeko eziqhelekileyo, zengqiqo, le meko ayiyi kuvela, kwaye ezo zikhetho zichazwe ngasentla ziza kurhweba kumaxabiso athile kakhulu. Ngokuqinisekileyo, ixabiso lesenzalo lichaphazela amaxabiso okukhetha (iindleko zibiza ngaphezulu xa amaxabiso aphezulu), kodwa ngexabiso lentlalo kufuphi nero, akuyena umthengisi wanamhlanje.

Ngoko kutheni le nto ihlutha? Okanye ukuba ukhetha, unokubuza: kutheni iifowuni zichithwe?

Impendulo yukuthi kukho ukungazitholiyo. Ngamanye amazwi,

Njengoko intengo yesiteyimu iyancipha, ukunyanzeliswa kwamanani okunyukayo kukunyuka.

Njengoko intengo yesiteyimu iyanda, ukuphazamiseka komsebenzi kuyancipha.

Kutheni Oku kwenzeka?

Ekubeni ukhetho luye luthengiswa ngokutshintshiselwa (1973), ababukeli beemarike baqaphela imeko ebalulekileyo kakhulu: nangona iimarike zithengiswa ngokubanzi, kwaye i-marhwebo isoloko ivuseleleke kwiindawo eziphezulu kwixesha elizayo, xa ezo marike zancipha, ngokomyinge) ngokukhawuleza kwaye kunzima kunokuba uphumelele.

Makhe sihlolisise le ngxaki ngokubhekiselele kwindlela ebonakalayo: Umntu okhetha ukuhlala enomnye ukhetho lwee-OTM unokuthi ube nemisebenzi yokuphumelela kwiminyaka. Nangona kunjalo, loo mpu melelo yafika kuphela xa imarike ihambela phezulu kakhulu ngexesha elifutshane. Uninzi lwexesha lezo zikhetho ze-OTM zaphelelwa yinto engenasiphelo. Ngokubanzi, ukuba nexabiso elingabizi, ukhetho olude lwee-OTM luye lwaba lucebiso olulahlekileyo. Yingakho ukhetho lwe-OTM olude alukho isicwangciso esilungileyo kubanini-zimali abaninzi.

Nangona ukuba abanikazi be-OTM ephakamileyo babeka ikhetho babona ukuba izikhetho zabo ziphelelwa ixesha elingenamsebenzi ngokugqithiseleyo kunokuba abanikazi beefowuni benza, ngamanye amaxesha, imarike yawa ngokukhawuleza kangangokuba ixabiso lezo zikhethi ze-OTM zaphakama. Kwaye kwaphakamisa izizathu ezibini. Okokuqala, imarike yawa, okwenza ixabise ngakumbi. Nangona kunjalo, ngokubaluleka ngokulinganayo (kwaye ngo-Oktobha 1987 kwabonakala ukuba ibaluleke kakhulu), ukhetho lwamanani lukhuphuke ngenxa yokuba abatyali-zimali abesabisayo bexhalabele ukuba babe neendlela zokukhetha ukukhusela impahla kwiipotifoliyo zabo, ukuba abanandaba (okanye ngaphezulu Ndiyayiqonda indlela yokukhetha intengo) kwaye ihlawule ixabiso elimangalisayo kwezo zikhetho. Khumbula ukuba ukubeka abathengisi bakuqonda ingozi kwaye bafuna iiprayimamu ezinkulu ngokuba "budenge ngokwaneleyo" ukuthengisa ezo zikhetho.

'Okufuneka ukuthenga ukubeka nayiphi na intengo' yinto ebalulekileyo eyenza ukungahambisani nokunyaniseka.

Umgca wokugqibela kukuba abathengi be-OTM ekude bafaka iinketho ngezihlandlo ngamathuba athile athola inzuzo eninzi kakhulu - kaninzi ngokwaneleyo ukugcina iphupha liphila. Kodwa abanikazi bee-OTM ezide kude banokukhetha. Oko kuphela kwakwaneleyo ukutshintsha ingqondo yabathengisi bezinto eziqhelekileyo, ngokukodwa abathengisi beemarike abanikezela ezininzi zezo zikhetho. Abanye abatyali-mali basoloko begcina ukubonelelwa kwezinto babeka ukhuseleko kwiintlekele, ngelixa abanye benza njalo ngokulindela ukuqokelela i-jackpot ngolunye usuku.

Emva koMsombuluko omnyama (ngo-Oktobha 19, 1987) abatyala-mali kunye nabacebisi babethanda ingcamango yokuqhubeka bekhetha ezinye izinto ezingabizi. Ngokuqinisekileyo, emva koko, kwakungekho nto enokuthi ibeke imali-ngenxa yemfuneko enkulu yokukhetha.

Nangona kunjalo, njengoko iimarike zihleli phantsi, kwaye ukuhla kwehla kuphelile, i-premium yokukhetha ikhefu ibuyele "kwintsholongwane entsha." Esitsha siqhelo sinokubangela ukutshabalalisa kwezixhobo ezincinci, kodwa ngokuphindaphindiweyo babuyela kumanqanaba entengo ezenze zibe zincinci ngokwaneleyo ukuba abantu babe ngabakho. Ngenxa yendlela indlela yokubaluleka yokubaluleka ibalwa ngayo , indlela efanelekileyo kakhulu yabenzi bemarike yokwandisa ibhidi kwaye icele amanani kwanoma yiyiphi inketho kukuphakamisa ukungaxhamli kwixesha elizayo lelo khetho. Oku kuye kwaba yindlela efanelekileyo yokukhethwa kwexabiso.

Enye into edlala indima:

• Ukugqithiswa kwemali ekukhethiweyo okuyiyo-enkulu inokuthi ingabi nantoni. Ngamanye amazwi, abathengisi bendabuko bezinto ezincinci kakhulu bayeke ukuzithengisa, kwaye ukufuna kudlula ukubonelela. Oko kuqhuba amanani aphezulu.
• Iinketho zee-OTM ezongezelelweyo ziba ngaphantsi kwemfuno, kwaye iindlela ezincinci zifumanekayo kubatyalomali abakulungele ukuthenga ukhetho olude kakhulu lwe-OTM.

Nalu uluhlu lwezinto ezinokuthi zithinteka kwiintsuku ezingama-23 ezikhankanywe ngasentla.