Ukusebenzisa Imali Ebolekelwe Ukuthenga Amasheya Akho Inkemba Ebukhali Ngomhla
Ivumela abantu kunye namaziko anqwenela ukuba neentlonelo zokuthenga izabelo ezininzi zeenkampani kunokuba zikwazi ukuthenga. Xa izinto zihamba ezantsi, zinokuba zibi kakhulu, zikhawuleze ngokukhawuleza, zize zikhokelele kumntu okanye kwi-bankruptcy.
Izingozi zokuthenga iiShishini kwiMargin
Kwixesha elidlulileyo, ndisebenzisile iimeko zangaphambili zobomi bebakala ukuze ndibonise indlela ezibi ngayo umphumo wokuthenga amasheya kumgama. Omnye umntu, uJoe Campbell, wavuka ukuze athole i-$ 106,445.56 e-matyala kwi-stockbroker yakhe ngenxa yesimo sokuma esasichasene naye. Abaninzi, abaninzi abantu balahlekelwa yinto yonke xa beguqula izicingo, abanye basebenzisa iitalente zemali, bethenga izabelo ezingaphezulu kunokuba zikwazi ukuthenga inkampani ebizwa ngokuba yi-GT Advanced Technologies, eyayihoxiswa. Iingxelo zonke zokuhlala phantsi zacinywa kwaye abanye abatyalo-mali bathetha ngokucinga ngokuzibulala.
Ukukhupha phezulu, ukuba uvula i-akhawunti ye-margin, kunokuba ubizwa ngokuba yi-akhawunti yekharityhulam, uzisa into ebizwa ngokuba ngumngcipheko wokuvuselela i-rehypothecation .
Ukuba ihlabathi lezezimali liye lahlukana, kwakhona, okungaqinisekiyo, unokungaqondi ukuba uye wabonisa ezininzi izinto zakho ngaphezu kwezinto owaziwayo kwilahleko ezingezakho.
Akukho sizathu sokungena ebomini njengaye. Ndivakalelwa kakhulu ukuba enye yezinto zokuqala endizenzayo xa ndihleli phantsi kwaye ndicwangcisa iqela lokulawula i-asethi yintsapho yam isilungiso yayikukufaka uluhlu lwemigaqo-akhawunti yabucala.
I-Kennon-Green & Co. kuphela isebenza ngemali kwi-akhawunti yekheshi njengetyala lemali ayivunyelwanga okanye ayimfuneko ngaphandle kwezinto ezincinci kakhulu ezinjenge-structured arbitrage transactions, ngokuqinisekileyo akufanelekanga kubatshali-mali abatsha ukuzifundisa ukuqhuba iipotifoliyo. Andikhathalele ukuba ingavelisa iimali eziphezulu kwi-firm. Andikhathalele ukuba umthengi ufuna. Akunjalo oko senzayo. Oku kunokubonakala kubonakala kukudala kodwa kukho iingozi ezithile endiyikholelwayo. Umgama ungomnye wabo.
Ngaloo nto uthe, ukuba awusayi kuphazamiseka malunga nomda, kwaye ufuna ukusebenzisa i-debt margin kwisikhundla sakho, qhubeka ufunda. Kulo lonke iinqununu, ndiza kuchaza ezinye zezinto ezisisiseko zokusebenza ngendlela yokuba ndibone oko, ndiyathemba ukuba kukuqonda okungcono kumashishini abandakanyekayo.
Inkcazo yeMargin
Kwiyona nkcazelo ebalulekileyo, ukurhweba kwimida kubeka imali ngokuboleka imali. Ngokuqhelekileyo ukuba kusebenza njani ukuba indlu yakho yokuthengisa imali iboleke imali kwixabiso eliphantsi kwelawudla-ke lijika kwaye liboleke kuwe ngokunyuka phezulu (nangona kunjalo ixabiso elincinci), lithengeza imali ukuze uthenge amasheya angaphezulu - okanye nayiphi na into efanelekileyo yokugcina - kunokuba imali yakho yodwa ingakuvumela ukuba uthenge.
Okanye, ndiyicinga ukuba, ukuba uya kucinga ngokuthe tye, uthengise mfutshane .
Zonke iimpahla kwi-akhawunti yakho, kunye nesqinisekiso sakho somntu siqu, zigcinwe njengesiqinisekiso sokuthi uza kuhlawula ityala kungakhathaliseki ukuba kwenzekani kwi-akhawunti yokuthengisa. Nokuba ukuba i-akhawunti ikhuphe, ukhona kwinqanaba le mali ngokukhawuleza. Akukho cwangciso sohlawula. Akukho migaqo yokuthetha. Ukuba awuyi kuhlawula, umthengisi angakunqumla enkundleni ukuze aqale ukufumana izigwebo zokubamba ezinye izinto, ekugqibeleni ufuna ukuba uziphosele kwinceba yomgwebi we-bankruptcy. Okwangoku, njengoko amanqaku akho okuthenga ngetyala, ungayifumana yonke into ebophelelwe ngetyala lakho lokutshabalalisa, kwakhona. Iimali zakho ze-inshorensi zingabonakala. Abanye ababolekisi bakho banokukhawulelana nokufikelela kumandla okuboleka, beshiya ukukwazi ukuhlawula iindleko zakho.
Iinkampani kunye neefowuni zifuna i-deposit security deposits. Abaqeshi banokubheka ngetyala lakho kwaye banqume ukungaqeshanga. Konke ngenxa yokuba ungazibekezela ukwenza imali, unelisekile ukuqulunqwa ngokuqinileyo ngokuhamba kwesikhathi, ukuqokelela izabelo, inzala kunye neendleko ezihamba endleleni.
Indlela yokufumana ukuThengiswa kweMali yokuThengiswa kweeNkcukacha ezongeziweyo kwiAkhawunti yakho yokuThatyala
Le mihla, ukufikelela kwi-marginal capacity akunakube lula. Izindlu zokurhweba zenza imali eninzi kokubanjiswa kwezorhwebo kunye nenzuzo yengeniso ngenxa yokuthengwa kwabathengi kwimida. Ukuvula i-akhawunti ye-margin, konke okufuneka ukwenze kukubonisa ukuba ufuna kwifom yokuqala yokuvula i-akhawunti (ngamanye amaxesha, kufuneka uphume!). Ukuba sele unayo i-akhawunti, konke okufuneka ukwenze ukugcwalisa isivumelwano esifutshane se-addendum. Yiyo leyo. Indlu yomrhwebi inokuqhuba i-credit yakho. Ngaphandle koko, abantu abafanelekileyo, amaziko kunye namanye amashishini omthetho anikwa amandla okuboleka imali kwi-akhawunti yabo. Ungakwazi nokubhala iireki ngokubhekiselele kwiibamba zakho kwaye wenze iirejista, i-debt margin ebandakanya isiqulunqo.
Izidingo zoMondlo
Indlu nganye yee -broker isekela imfuno yokugcinwa kwemida. Le mfuneko yesondlo i-percentage equity investment must keep in his portfolio ngaso sonke isikhathi. Umzekelo, indlu egcina i-30% yesondlo imfuno iya kuboleka i-$ 2.33 nganye kwi-1.00 ye-$ 1.00 umtyalo-mali uye wafaka kwi-akhawunti yakhe, emnika i-$ 3.33 yezinto eziza kutyalomali. Umtyalo-mali kunye nesitokethi esinye okanye ezimbini kwiipotfoliyo yakhe inokuxhomekeka kwimfuno ephezulu yokugcinwa, ngo-50%, kuba umthengisi ukholelwa ukuba amathuba okungahlawulwanga aphezulu ngenxa yokungahambi kakuhle.
Ezinye iimpahla, ezinjengeepenki zee-stocks, azifanelekanga ukuthengiswa kwemida yonxweme. Enyanisekileyo, oku kubulumko. Ukutshala imali kwi-stock stock kusekusoloko kuluvo olubi , nokuba kunjalo. Ukongeza umgangatho kwi-top yayo kuya kuhlekisa.
I-Power of Efficiency - Umzekelo Wokuba I-Margin Trade ibonakala njani
I-speculator ibeka i-$ 10,020 kwi-akhawunti yakhe yemali yokurhweba ephantsi. I-firm ine-50% yesondlo imfuno kwaye ngoku ihlawula inzala ye-8% kwimali-mboleko engaphantsi kwama-$ 50,000.
Umqulathi ugqiba ukuthenga isitishi kwinkampani. Ngokuqhelekileyo, uya kufikelela kwi-10,020 yemali ekhoyo. Nangona kunjalo, ngokuqesha i-debt margin, uboleka nje ngaphantsi kwexabiso elivunyelwe (i-R10 000 kule mali), kumnika ubuninzi be $ 20,020 ukutyalomali. Uhlawula i-20 yenqwelo-mboleko yemali-mboleko kwaye usebenzisa i-$ 20,000 (imali engama-R10 000 ngemali yakhe, i-$ 10,000 eyimboleke imali) ukuthenga i-1,332 izabelo zeenkampani kwi-15 nganye nganye.
- Umatyala weMargin Isimo 1
Isitokethi siwela kwi-10 yeesabelo ngasinye. Iphothifoliyo ngoku inexabiso lemarike ye-13,320 (i-dollar 10 isabelo ngasinye x i-1,332 izabelo), i-$ 10 000 yaloo mali iyimali-mboleko ye-margin, i-$ 3,320 okanye i-25% yemali-mboleko yemida, ngumlingani-mali. Le ngxaki enkulu. Umcebisi kufuneka abuyisele ukulingana kwakhe kwi-50% kwiiyure ezingamashumi amabini anesine okanye umthengisi wakhe uya kuhlawulela isikhundla sakhe sokuhlawula ibhalansi eseleyo kwi-mboleko yomda. Isaziso seeyure ezingama-24 siyaziwa njenge-margin call. Ukuze adibane nomnxeba wakhe, uya kufuneka afake imali okanye izabelo zesitokethi ezibiza ubuncinane i-$ 6,680.
Ukuba ngaba umcebisi akazange athengwe emgqeni, ukulahlekelwa kwakhe bekube kuphele kwi $ 3,333. Kwakhona wayeya kuba nenkululeko yokungahoywa nokuhla kwexabiso lemarike ukuba wayekholelwa ukuba inkampani yayiyintengiso. Nangona kunjalo, ukusetyenziswa kwakhe kwemida kuye kwaguqula ilahleko yakhe ibe yi-$ 6,680 kunye nekhomishoni yokuthengiswa ngokunyanzeliswayo kwempahla kunye neendleko zomdla kwi-balance balance. - Umatyala weMargin Inkcazo 2
Emva kokuthenga ama-1,332 amasheya esitokisini kwi-15, ixabiso liphakama ukuya kuma-20. Ixabiso lexabiso lemarike kwipotifoliyo yi-$ 26,640. Umthengisi uthengisa isitokisi, ubuyisela imali mboleko yemali engama-$ 10,000 kunye namapokethi ama-6,640 ayi-6 phambi komdla kunye nentengiso yokuthengisa. Ukuba wayengazisebenzisi umda, le ntengo yayiza kumnika inzuzo ye-$ 3,333 yezigidi ngaphambi kokuthunyelwa komsebenzi.
Isifundo Okufanele Ufunde Ngayo Utyalo-mali kwiiShishini kwiMargin
Isifundo kukuba umda wandisa umgangatho weepotfoliyo, ukulungele okanye ukugula. Yenza ilahleko kunye neenzuzo ezinkulu kunokuba zibe zikhona ukuba utyalo-mali sele lubekelwe kwisiseko esisodwa sezimali. Iingozi eziphambili iimarike kunye nexesha. Amaxabiso awela nangona ukuba utsalo-mali sele lubekelwe phantsi kwaye / okanye kuthatha ixesha elibalulekileyo kwintengo yesitokthi ukuqhubela phambili, okubangele iindleko eziphezulu kwi-investor. Umtyalo-mali ofumene i- stock engabalulekanga icinga ipso facto ngokusebenzisa umgama ngoba ngoku uthengisa ukuba i-marhwebo ayiyi kukwazi ukumphoqa ukuba athengise iimpahla zakhe.
Iisiseko zoShishino eMargin
Xa ubhalisela i-akhawunti yomrhweba we-margin, ngokubanzi:
- Zonke izithenkethi kwi-akhawunti yakho zigcinwe njengebhanki kwimali-mboleko yemida, kuquka i-stocks, bonds, njl.
- Imfuno yokulondolozwa kwemida ihluka ukusuka kumthengisi ukuya kumthengisi, isitokethi kwisitokethi kunye neepotifoliyo ukuya kwipotfoliyo. Inkampani ye-brokerage inelungelo lokutshintsha le naliphi na ixesha ukwenzela ukuba ungazifumana unyanzelekile ukuba uhlawule ngokukhawuleza ibhalansi yakho yamatyala ngaphandle kwesilumkiso okanye ubuso obunayo iphothifoliyo yakho.
- Ukuba ungaphumeleli ukuhlangabezana nomnxeba wamanzi ngokufaka i-asethi eyongezelelweyo, umthengisi wakho angathengisa ezinye okanye zonke iimali zakho utyalo-mali kude kube yinto ebuyisiwe yokulingana.
- Kunokwenzeka ukuba ulahlekelwe yimali emininzi kunokuba utyalomali xa usebenzisa umgama. Uya kuba noxanduva lokusemthethweni ukuhlawula nayiphi na inkokhelo ehlawulwayo enokuba nayo kumthengisi wakho nangona iphothifoliyo yakho isuswe ngokupheleleyo.
- Inzala yemali ehlawulwe ngumthengisi wakho kumabhalansi omgama uya kuguqulwa kwangoko.
Kwezinye iimeko ezigqithiseleyo, umgama wangena kubangela ingxaki enkulu kwezoqoqosho. Ngexesha le-Crash ka-1929 eqhubekele ukuCaluleka kweNtlupheko, iimfuno zokondliwa zazingama-10% kuphela emali yemali-mboleko! Iifayile zokurhweba, ngamanye amazwi, iya kuboleka imali ye-$ 9 kuyo yonke i-$ 1 umtyalo-mali uye wafaka. Ukuba umnini-zimali wayefuna ukuthenga i-stock value ye-$ 10,000, uya kufunwa kuphela ukuba afake i-$ 1,000 ngaphambili. Le nto yayingeyinkathazo ade i-market itshaywe, kubangele ukuba amaxabiso e-stocks awele. Xa abadayisi benza iifowuni zabo, bafumanisa ukuba akukho namnye onokuzibuyisela ngenxa yokuba ubuninzi beethengi zabathengi babo bekumakethi. Ngaloo ndlela, abadayisi bathengisa i-stock ukubuyisela imali mboleko. Oku kwakha umjikelo owawudla ngokwawo ude ekugqibeleni amaxabiso ahlaselwa kwaye yonke imarike yachithwa. Kwakhona kwaphumela ekumiseni ukuthengiswa kwemida iminyaka emininzi.
Olunye ulwazi malunga nokuThengiswa kweShishini
Ukuze ufunde ngakumbi, funda isikhokelo sethu kwiimpahla zokuthengisa . Kuya kuchaza ezinye zezinto ezisiseko zokuthengiswa kwempahla, iimfumba kunye nokunye okuninzi.