Inani lokukhula kweebhitcoins lenze abaninzi bawaqwalasele kwiipotifoliyo zabo
Andizange nje ngumbhali wezezimali. Kwimisebenzi yam yangaphambili, ndandichitha iminyaka njengomcebisi wezezimali ngeenkampani ezinkulu zokulawula i-asethi, ukucebisa abathengi malunga nendlela yokuphatha iiphothifoliyo zabo ngokuhambelana neenjongo zabo zezimali kunye neenjongo zabo. Ngethuba elide ndicebisa abaxumi, iimali-mali eziqhelekileyo zazingamasheya, izibophelelo, imali kunye kunye nokunye, ukusebenzisana okulinganiselwe kwabo bafuna "isenzo esingozi" kwiipotifoliyo zabo.
Ukulawula nokukwakha iphothifoliyo kuloo hlobo kwakusekelwe ekulawuleni umngcipheko ngokubanika impahla kwiiklasi ezahlukeneyo zee-asethi, ezifana nezitokisi okanye iibhondi. Ulwabiwo oluqhelekileyo lwaloo ma-60 ekhulwini lwama-stocks ukuya kuma-bond e-40 eepesenti kwaye iinombolo ziya kuhluka ngokusekelwe kwengozi ofuna ukuyithatha kunye nobudala bomthengi.
Kwiminyaka emininzi emva kokucebisa abathengi kwaye xa ndihlolisisa umbuzo wokubeka i-bitcoins kwi-akhawunti yami yokuthatha umhlalaphantsi, indlela endiyenzayo yayingekelwe ngokupheleleyo kwiingcamango, kodwa ngeso liso kwiindlela ezinokubaluleka kwee-asethi ezazisetyenziselwa zona kunye nabaxhasi bam .
Kodwa ngaphambi kokuba ungene kwiindawo ezithile zokwabiwa kwee-asethi, kubalulekile ukuba uqaphele ukuba i-bitcoin yinto engafanelekanga ngokufanelekileyo kwicandelo lesitokisi okanye isibophelelo. I-Bitcoins yayingekho kwaye ngokwenene ngelo xesha, bambalwa abantu babeye baqala ukuxubusha ukusetyenziswa kwayo kwi-potifoliyo yokutshala imali, kwaye ngoko kuchaza uluhlu lwazo lwentyalo-mali, ukuba ngokwenene, kunokuqwalaselwa.
Nangona kunjalo, kum, kwakukho inkolelo yam ngexesha ngexesha i-bitcoins inexabiso elibiza idola-dollar kwaye lithengisa kwiintlobo zengxowankulu, zingabonwa njengexabiso lemali-mali kwaye ngenxa yoko, into engayifumana indawo kwipotfoliyo yam.
Yintoni "i-Asset Investment"?
Masiqale sihlolisise oko kuthetha ntoni "kwi-asethi engenayo imali" kwaye ukuba i-bitcoins ingathathwa njengolu hlobo. Isisiseko esona siseko sendlela umtyalo-mali okanye umntu owenza ngayo imali ngokuphonononga umvuzo. Inkokhelo eyiyo nje imilinganiselo yezinto ezininzi eziza kuba nazo emva kokuhlawula iibhili zakho. Yimilinganiselo eyisisiseko yokuba ubani owake wafuneka ukulinganisela i-checkbook okanye ukuthumela umntwana kwiikholeji kufuneka acinge.
Ifom ye-Net Worth i-Assets minus Iimfanelo.
Ngokumalunga namatyala, loo matyala afunekayo ukuba ahlawule entolongweni, ukulinganiswa kweebhanki ezimbi okanye ukunyanzeliswa ngaphandle kwekhaya lakho. Oku kungabandakanya iibhili, iimali zokuthenga kunye neentlawulo zekhadi zekhredithi ekufuneka zihlawulwe.
Iimpahla zihlala zigcinwa, utyalo-mali kunye nepropati (ikhaya, imoto, njl njl njl) njll. Ukuze uhlawule amatyala akho, abaninzi bethu kufuneka basebenzise iimpahla zethu ukuze bavelise imali kwiintlawulo zetyala.
Ngokuqinisekileyo, akulula ukuvelisa imali ngokukhawuleza kwipropati efana nemoto okanye indlu, kwaye kufuneka sisebenzise iibhanki zethu zebhanki kunye notyalo-mali ukwenza oko.
Ipropati enjengemoto okanye indlu idlalwa ngokuba yimpahla "engekho mthethweni" ngenxa yokuba idinga inkqubo ende yokuvelisa imali kunye nexabiso okanye intengo yaloo asethi ayichazwanga ngokucacileyo njengexabiso lokutyalomali okanye imeko, eyaziwayo njenge "asethi".
Ukungabikho kwempahla efana ne-real estate okanye izithuthi akunciphisi isimo sazo njenge-asethi, kodwa inkqubo yokulinganisela kunye nokuhluthwa kwee-asethi ithatha ixesha kwaye ayivumeli ukukhawuleza ukutshatyalaliswa komhla webhili-mali okanye utyalo-mali kwisitopu esikhulu . Ngenxa yokukwazi ukusebenzisa imali "eyaziwayo" yokonga kwethu kunye nokutyalomali lula okanye ukuhlawula amatyala okanye ukufumana iimpahla ezingaphezulu, zibhekwa njenge "ipahla eziphathekayo".
Inkqubo yokongeza yonke imali yakho yokugcina imali kunye notyalo-mali kunye, ngaphandle kokuqwalasela i-asethi "engafanelekanga" inika indlela yokuqonda inani lemali onayo ngaphandle kwemfuneko yokuhlawula impahla.
Utyalomali, onokukwazi ukuqonda ukuba ixabiso le "asethi etshaba imali" ngaliphi na ixesha ngexesha, kukuvumela ukuba uthenge amathuba afanelekileyo otyalo-mali kwaye uthengise abanye xa utshintsho olufunekayo. Ngaloo ndlela, unako ukulawula kakuhle iphothifoliyo yakho yotyalo-mali xa iimeko zifuna utshintsho.
Ndandisoloko ndicebisa abaxumi ukuba kuqiqile ukuthenga imali kuphela kwipotfoliyo yakho ongayifumana ixabiso kwiphephandaba lemihla ngemihla. Ixabiso lentengo kunye neebhonksi zifunyenweyo ngalunye kwiphepha lephephandaba kunye nexabiso langoku ebudeni bemini efunyenwe kwiintlobo ezininzi zokuthengisana abazithengisayo. Ngako oko, uhlala unengcamango yento ozakuyithengisa okanye ukuyithenga. Iimpahla ezinjengezindlu zangaphandle kunye nezinye iimpahla zizithoba kwaye zifuna umthengi ngaphesheya kweentengiselwano ezivuma ukuba ukulinganisa kwakho i-asethi ifana nabo.
Masibuyele ekuqwalaseleni kwamatcoin "njengexabiso".
I-Pizza Eninzi kakhulu kakhulu!
Xa ama-bitcoins aqala, kwakunzima ukuqonda ukubaluleka kohlobo lwe-bitcoin enye yeenjongo zokuxabisa. Enye yemibandela yokuqala yokusebenzisa i-bitcoin njengemali yokuthenga into yinto ekhethiweyo yokuthengwa kwe-pizza kaMeyi 22, 2010. Ngokwenene lo ngumhla ogujwa abaninzi kwilizwe le-bitcoin kwaye uyaziwa njengeBitcoin Pizza Day.
Ngelo xesha, i-bitcoin yayisetyenziswe ngokubanzi njengethuluzi lokuqhayisa phakathi kwabo bakwihlabathi nophuhliso. Iimpawu zeBitcoins zadalwa ngeekhomputhaza ezaqhuba le nkqubo kwaye zazisetyenziselwa ukuhlawula abanye abaprojekthi ngomsebenzi wabo. Xa iteknoloji yayingumntu oneminyaka elilodwa ubudala, uLazzlo Hanyecz, umprofeti wenza inkokhelo yokuhlawula omnye umsebenzisi kwi-intanethi ye-intanethi ye-10,000 BTC yee pizza ezimbini zikaPapa John.
Ukuqwalasela ukuba i-bitcoin yayifinyelele kwixabiso eliphezulu lee-$ 1,000 ngonyaka kaNovemba, 2013, ixabiso lezo pizz zazingaphezu kwezigidi ezili-10. Ngoku ngokuqinisekileyo ivume iholide yayo !!
Ixesha phakathi kokuthengwa kwe-pizza ngo-2010 kunye ne-$ 1,000 ephakamileyo ngo-2013, kwakuyixesha eliye lagqithiswa kakhulu kwi-kind of currency njengendlela yemali ngokuyinhloko ngenxa yokukwazi ukuzibamba ngokutshintshana kunokuba yindlela yangaphambilini yokufumana ngayo kuphela kwimigodi. Ukutshintshiselwa okuye kwavunyelwa kule ntsebenzo ye- bitcoin yayinguMat. I-Gox (eyaqala ekuqaleni njengendawo yokuthengisa nokuthengisa amakhadi ukusuka kuMicrosoft Assembly, ngoko igama lokutshintshiselwa).
Ngaba "i-Asset Investable"?
Ukunyuka nokuwa kweMat. I-Gox ibe yinxalenye yembali ye-bitcoin, kodwa into ebalulekileyo ekufuneka ithathwe kuyo kukuba yenze indlela yokuqala yokusetyenziswa kweedola zokurhweba kunye nezinye iirhafu ze-bitcoin. Mt. I-Gox yayiyintsebenziswano eyavumela abantu ukuba bazi izinto abantu abazimisele ukuzithengisa nokuzithengisa ngeeyure ezingama-24. Ukuwa kweMat. I-Gox ayizange ibulale bitcoin (nangona abantu abaninzi bekholelwa ukuba) njengokuba ezinye iitshintshi zizalisekile kwaye ngoku kukho nabani na abathengayo baza bathengise i-bitcoin ngeeyure ezingama-24 ngeengxoxo ezininzi.
Ngenxa yoko kukwazi ukuxabisa i-bitcoins kwaye nokuba uthenge okanye ukuwacoca ngokulula, kubonakala kunyanzelekile ukuba kufuneka kuthathelwe ingqalelo ukuba "i- asset ephathekayo ."
Kodwa ingaqwalaselwa ngokwenene kwipotifoliyo ngendlela efanayo nokulingana okanye ubhondi? Emva koko, kukho amawaka abahlalutyi abhala imihla ngemihla malunga nokulingana kwaye kukho irekhodi elide lezo mali. Inani labahlalutyi abakhuselekileyo, inani le-bitcoin ekhoyo yokuthenga kunye namanqanaba okuthengisana kwansuku zonke ayengabikho kufana ne-stocks okanye bonds. Ukuba bekufuneka ndiqwalasele i-bitcoins njenge "asethi eyimali-mali," kuya kufuneka kuthathelwe ingqalelo ukutshala imali.
I-Bitcoin Ngaba "enye imali"
Kukulungele ukuthetha ngolu hlobo ukuba ngokwemoto yotyalo-mali, i-bitcoin iyimfuneko kwaye ngoko kuya kuthatyathwa njengento efanelekileyo ye-sleeve ye-investment portfolio. Emva kwabo bonke, abacebisi bekunjalo (kwaye basenjalo) becebisa abathengi ukuba babe nenxalenye encinci ye-portfolio yabo (ngokuqhelekileyo malunga neepesenti ezi-10) abatyalwe kwiimpahla ezingekho "ezihambelana" ezifana negolide, i-real estate okanye i-hedge funds ukukhusela ukuze kulawulwe umngcipheko wepottoliyo .
Utyalo-mali oluthile yilezo zixhobo kwiipotifoliyo ezibonelela nge- ack yokulungelelanisa kubuninzi beemali kunye namabhondi kwipotfoliyo yomuntu. Ngale ndlela, enye inxalenye yotyalo-mali ye-portfoliyo inokusebenza njengento "yokumangalisa" ngexesha leemalikezo zeemarike ngokuba nenxalenye eyodwa yepottoliyo (ethemba) iphendule ngokungafaniyo nale ngxubusho.
Abaninzi banokuthi i-bitcoins ayinakho kwi-potifoliyo yokutshala imali kodwa impumelelo ye-ETF, i-GBTC eye yabathengisa kumazinga ama-50 ekhulwini ngaphezu kwexabiso layo le-asethi yalo, ibonisa umdla wokuba abatyali-mali banalo. Nangona kunjalo, kuseyi-asethi encinci kwaye kuphunyezwe izicwangciso zokwabiwa kwee-asethi kwi-akhawunti yakho kufuneka kuthathele phambili ukuxosha "into elandelayo."