Yiyiphi i-Akhawunti ye-Brokerage i-Right?
Ngaphambi kokuba uqale amasheya okurhweba, kufuneka uvule i-akhawunti kunye nomthengisi wakho. Kuxhomekeke kukuphi uhlobo lomgcini-mboleko owukhethayo, ukuvula i-akhawunti inokuvela kwi-intanethi ibe yinkqubo engenamntu.
Kukho iintlobo ezahlukeneyo zeakhawunti ababaninzi abadluliselayo ngaphandle kokufikelela kwinqanaba lenkonzo oyifumanayo kwiintlobo ezahlukeneyo zabathengi. Okokuqala, makhe sijonge indlela ezimbini iindlela ezahlukileyo ze-brokers ezakha ngayo ii-akhawunti kwaye siza kujonga iintlobo ezahlukeneyo zeakhawunti.
Broker-Service Broker
Umthengisi wenkonzo epheleleyo uya kufuna ukuhlala phantsi kunye nawe kunye neqabane lakho okanye iqabane kunye nokuhamba ngeemeko zakho zemali ngeenkcukacha ezithile. Uya kufuna ukwazi malunga nawaphi na amatyala, imali kwi-bhanki, nayiphina isitokethi okanye imali ephakathi kwakho, izicwangciso zomhlalaphantsi, i-inshurensi, ubunini bekhaya, abantwana kunye nokunye.
Akunjalo ukuba ayinayo - kufuneka baqokelele le ngcaciso ngaphambi kokuba benze iziphakamiso kuwe malunga notyalo-mali. Kwishishini, kubizwa, "yazi umthengi wakho." Ukuba umthengisi wenza isiluleko sokutshala imali engafanelekanga kumntu ngenxa yokuba engazange athathe ixesha lokufumana konke malunga neemeko zemali zabaxhasi, umthengisi unokujamelana nezohlwayo ezinzima.
Le ngenye yeenkonzo ozithengayo kunye neekomishoni ozihlawulela i-broker-service-recommendations ezifanelekileyo kuwe. Abanini-zimali abaninzi banokujonga ukuba imali isetyenziswe kakuhle.
Amakhawunti aBathengisi / aMatriki
Abathengisi bezabelo kunye nabathengi be-intanethi abanikezeli ngcebiso kwaye bangenzi zindululo; Ngoko ke, ukubeka iakhawunti kunye nabo kubuncinane kakhulu. Kukho iifom zokuzalisa kunye nemibuzo ukuphendula, kodwa akukho mntu uza kuza endlwini yakho kwaye ujonge i-checkbook yakho.
Wena ngokwakho ekuqaliseni ukuba isitokisini sikulungele.
Ezinye iintlobo zotyalo-mali (ukhetho, ixesha elizayo kunye nezinye izotyalo-mali eziphezulu) zifuna ukuba uqinisekise ukuba ungumtyalo-mali owaziyo, unokukwazi ukuqonda ingozi ehambelana nomkhiqizo.
Iintlobo zeAkhawunti
Kukho iintlobo ezininzi zeakhawunti ezinikezelwa ngabathengi abaninzi. Ziquka:
- Iingxelo zeCash
- IiNgxelo zeMargin
- IiNkcazo zeNgcaciso
Kukho ezinye iindawo ezithile zemali-mboleko, kodwa zizahlukahluka kwenye yezi zintathu.
Iingxelo zeCash
I-akhawunti yekheshi yindlela elula kakhulu ye-akhawunti ye-brokerage kunye neyokuqala oya kuvula.
I-Intanethi kunye nabanini-ntengiso abaza kufuna ukuba wenze idiphozithi ngemali eyaneleyo yokugubungela urhwebo lwakho ngaphambi kokuba luvule i-akhawunti yakho. Abaninzi baya kufaka le mali kwi-akhawunti ethatha inzala uze ukwazi ukuthengisa. Xa ubeka umyalelo wokuthengwa, umthengisi udlulisela imali kwi- akhawunti ye-brokerage ukukhawulela urhwebo.
Xa uthengisa isitokethi, umthengisi uya kufaka imali ekhoyo kwi-akhawunti (ngaphandle kokuba ubafundise ngenye indlela), ngoko ke imali iyatholakala ekuthengeni okulandelayo.
Ngomthengisi wenkonzo egcweleyo, unokuba neentsuku ezintathu ukuhlawula ukuthenga kwakho kuxhomekeke kumgaqo-mboleko we-broker. Amashishini kufuneka ahlawulwe okanye "ahlale" kwiintsuku ezintathu.
Oku kubizwa ngokuthi "umhla wokuhlawula" kwaye ukuba ungumthengi omhle onetyala elifanelekileyo, umthengisi wenkonzo ngokupheleleyo uya kukunika loo mihla ukuhlawula.
Abanye abathengi bavumela ukuba uhlawule umthengi ngekhadi lesikweletu, nangona, ngaphandle kokuba unakho ukuhlawula ibhalansi ngokukhawuleza xa ufumana isitatimenti, ungacingi ukuba wenze oku. Akukho sitokho esinokuyinqaba i-19% yentlawulo yemakhadi yesikweletu somdla.
IiNgxelo zeMargin
Iingxelo zeMargin zivumela ukuba wenze oko ndakuxelela ukuba ungayenzi ngamakhadi-mboleko-mboleka imali ukuthenga amasheya, nangona ziphantsi kweemeko ezintle.
I-akhawunti ye-margin ikuvumela ukuba uboleke ku-50% yexabiso lesitokethi kumthengisi wakho xa uthengwa. Umzekelo, ukuba ufuna ukuthenga i-$ 10,000 ye-stock, ungabhala isheke malunga ne-$ 10,000 okanye nge-akhawunti ye- margin , bhala isheke e-$ 5,000, kwaye uboleke i-$ 5,000 kwi-broker yakho.
Ngokuboleka isiqingatha sexabiso lesitokisi, unokwandisa inzuzo yakho ngokubanzi. Nantsi indlela esebenza ngayo: Ukuba ixabiso lesitoksi liphindaphinda kwi-20,000 ye-$, utyalo-mali yakho kwi-akhawunti ye-margin (i-$ 5,000) ngokwenene inyuse ngokuphindwe kane.
Nge-akhawunti ye-margin, unokwenza imali yakho isebenze nzima, eyaziwa nangokusebenzisa isistim kunye nesitoko esiphezulu. Nangona kunjalo, kukho umngcipheko. Ukuba ixabiso lesitokhi liwela endaweni yokunyuka, umthengisi wakho uza kukhupha "umnxeba wocingo." Ifowuni yamaninzi iya kufika xa ixabiso lesitoksi liwela ngaphantsi kwexabiso lemali elinikezwe ngumthengisi. Nangona kunjalo, abanye abadayisi bangaba nemingcele eyahlukileyo kwiifowuni zomgama .
Xa ufumana umnxeba wegama, unokukhetha ezimbini: Unokufaka imali kwi-akhawunti ukuphakamisa ixabiso ngaphezu kwesixa obolekileyo okanye ungathengisa isitya ngokukhawuleza kwaye uhlawule umboleko. Abanye abathengi banokuthi banganiki ithuba lokufaka imali, bangakuhlawulela isikhundla sakho xa isitoko siwela ngaphantsi kwexabiso elithile.
IAkhawunti yokuCacisa
Iingxelo zobulumko zinika umthengisi okanye umcebisi wezezimali ilungelo lokuthenga nokuthengisa impahla ngaphandle kokukwazisa. Ukuba umthengisi ufuna le gunyaziso, hamba ufumane omnye umthengisi. Ngaphandle kokuba uthembele umthengisi okanye umcebisi wezezimali ngobomi bakho, ungalokothi unike nabani na uhlobo lolawulo phezu kwakho ngemali - lilingana nenkokhelo engenanto.
Kukho iimeko xa ezi ntlobo zee-akhawunti zifanelekileyo; Nangona kunjalo, ngenxa yethu ininzi kuthi, ayifanelekanga kuphela kodwa inobungozi kwimpilo yethu.