Umngcipheko wemali, iiRhafu zokuShintshana kunye nezinye izinto ezifunekayo
Utyalo-mali lwamazwe ngamazwe alufani nokutyalo-mali kwiimarike zasekhaya ngeendlela ezininzi, kodwa mhlawumbi umehluko omkhulu kunempembelelo yokuguquka kwemali.
Xa umtyalomali waseMerika uthengisa inkampani yenkampani yase-United States, okanye umtyalo-mali waseJapan uthenge izabelo eTokyo , utshintsho olubalulekileyo luguqulwa kwintengo yesitoko. Ukuba inani lentengo likhuphuka ngo-10%, ixabiso lentyalo-mali liphezulu ngo-10%.
Kodwa oko akuyona imeko kwiimarike zamazwe ngamazwe.
Ukuze siqonde isizathu, makhe sijonge umzekelo wokucinga. Ukugcina izinto zilula, siya kuhoxisa igalelo kunye nee-commissions zemali okanye ezinye iindleko zokuthenga. Siza kubheka ezinye iingcebiso kubatyalomali bamazwe ngamazwe ukunciphisa le mngcipheko kwaye kuqinisekiswe ukungafani kakuhle.
Umzekelo weengozi zemali
Masithi unomdla ekutyalweni kwenkampani yaseJapan ebizwa ngokuba yiTokyo Toys. Ngokutsho kophando lwakho, inkampani ine-gymmo entsha ye-elektronike ephuma eyokuthi "kufuneka ube" nokudlala kwixesha leeholide elizayo. Izabelo zaseTokyo zeTy Toys ngoku zithengisa ii-5,000 yen . Intlawulo yokutshintshiselwa kwamanje ingama-yen yenama-dollar ayi-100.
Ukufumanisa ukuba isabelo esingakanani saseTokyo Toys sifanele kwiidola zase-US, sizahlula ixabiso lemali yendawo (5,000 yen) ngezinga lokutshintshiselana (100 yen). Izabelo zeTokyo Toys zibiza i-$ 50. Ubiza umnini-mboli wakho kwaye ubeke umyalelo wezabelo eziyi-100 - utsalo-mali olupheleleyo lwama-5,000.
Ngoku masihambe phambili ezintandathu kwiinyanga. Iindaba ezilungileyo: uphando lwakho luye lwaba lungileyo kwimali. I-gizmo yenkampani yayininzi enkulu kwiKrisimesi, kwaye izabelo zeTokyo Toy Toy zikhuphuke ngama-20% ukuya kuma-6,000 yen. Uyabona ukuba wenze imali eyi-$ 1,000 kwi-investment yakho. Unquma ukuvalela kwinzuzo yakho kwaye ucebise umthengisi wakho ukuba athengise.
Kodwa xa uvula isitatimende sakho se- akhawunti ye-brokerage , kubonisa i-$ 5,000. Yintoni eyenzekayo kwinzuzo ye-20%? Ubiza umnini wakho kwakhona ukuba abuze ukucaciswa.
Ngoku iindaba ezimbi. Nangona izabelo zaseTokyo Toy Toy zenyusa i-20%, ixabiso leenJapan liye latshintshwa ngexesha leenyanga ezintandathu. Ngethuba umrhwebi wakho wathengisa ngayo izabelo, izinga lokutshintshiselana elilinganayo laliyi-120 yen kwi-dollar. Ukwahlula amawaka angama-6,000 nge 120 yen dollar uze ufumane i-$ 50 - apho uqale khona.
Kodwa-ke umtyalo-mali waseJapan, kunjalo, ii-toys zaseTokyo zazityala kakhulu. Kungenxa yokuba akudingeki ukuguqula i-yen yabo kwiidola.
Kodwa ukuba ufuna imali yakho kwiidola, i-Tokyo Toys yayingeniso-mali. Ukulungiswa kwenguqu lwemali, utsalo-mali lwakho alukho ndawo. Iindleko kwiindleko zokuthengiselana kunye nee-commissions, kwaye mhlawumbi uya kuba ulahlekelwe yimali, nangona isiseko sakho sotyalo-mali esisiseko kunye nophando lwalungile.
Njani i-Currencies inokuzuza amaPolfoliyo
Ngomqondiso ofanayo, isiphumo semali senza ukuba kube lula ukwenza imali xa uphando lwakho lungalunganga. Njani?
Ukusebenzisa umzekelo ofanayo, masithi uphando lwakho lwalusekho kumanqaku. I-gizmo entsha yaseTokyo yeToy Toys yayiyi-flop epheleleyo. Kwiinyanga ezintandathu ezizayo, izabelo zenkampani zawela kuma-4 500 yen, ukuhla kwe-10%.
Kodwa ngelo xesha, i-yen yaqina ngakumbi nge dollar. Yithi izinga lokutshintshisana emva kweenyanga ezintandathu lilingama-80 kwidola. Uhlula ama-4 500 nge-80 kwaye ufumane i-$ 56.25. Kule meko, utsalomali lwakho lokuqala lwama-$ 50 lwama-12.5%, nangona uphando lwakho malunga ne-gizmo elitsha lenkampani lulungile ngokupheleleyo!
Imiphumo yemali inokukunceda ukwandisa ulwahlulo lwepotfolio. Ukuba sichaza ukudibanisa njengokunciphisa ukulungiswa phakathi kweempahla, ukutshala imali ngemali ngaphandle kweDola yaseMelika kuya kukwandisa ulwahlulo lwe-portfolio yase-US.
Iintlobo zeentlobo ezahlukeneyo zibhalwe kakuhle kunye nobungqina obunobungqina kunye nokuchithwa kwezinga lokutshintshiselwa kwamanye amazwe akukhokelela ekungciphekweni komngcipheko ophezulu.
Iingcebiso kubaTyalo-mali bamazwe ngamazwe
Hlalani nikhumbule: nanini na xa uthenga izabelo zesitokweni sangaphandle , ngokwenene wenze izigqibo ezimbini zokutshala imali.
Ubethelwa kokubili kwinkampani ngokwalo kunye nemali.
Isimo esilungileyo sichaphazelekayo kokubili: intengo yesitokhi iya kunyuka kwaye ufumane inzuzo eyongezelelweyo ukusuka ekuqiniseni imali. Iyona nto ibuhlungu kakhulu: isitokethi iyahla kwaye imali ilahlekelwa yixabiso elihambelana nedola. Kwezinye iimeko, iziphumo ziya kuxutyushwa. Kungakhathaliseki ukuba yintoni, awukwazi ukuyihoxisa impembelelo yemali.
Kwezinye iimeko, unokukhetha ukuthatha le mngcipheko wezinga lokutshintshiselwa kwezibonelelo zohlukeneyo. Ukuba akunjalo, unokufuna ukuqwalasela imali-ye-exchange--redded funds (ETFs), efuna ukukhupha imiphumo yokunyuka kwemali, okanye ukulungiswa ngokunyuka kwemali ngokuthe ngqo.