Kwiminyaka yakutshanje, amaqonga ezemali edijithali enze imfashini njengeendlela zokuphucula utyalomali. Kodwa ayisiyiyo malunga imisebenzi eqhelekileyo, kodwa ngothotho lweemveliso ezisekwe kubulungisa ezivelisa umngcipheko omkhulu ekusebenzeni. Oko kukuthi, apho unokufumana khona imali eninzi kwisithuba esifutshane sexesha, kodwa ushiye phantse yonke inkunzi apha endleleni. Kungenxa yoko le nto ubulumko buya kuba yinto eqhelekileyo kuzo zonke izenzo zabatyali mali abakhetha olu tyalo mali.
Ii-CFDs zizixhobo ezintsonkothileyo kwaye zinomngcipheko omkhulu wokulahleka kwemali ngokukhawuleza ngenxa yokufumana amandla. I-66.77% yeeakhawunti zabatyali zimali zorhwebo zilahlekelwa yimali xa kuthengiswa iiCFD. Kuya kufuneka ucinge ukuba uyayiqonda na zisebenza njani iiCFD Kwaye ukuba unako ukufikelela emngciphekweni omkhulu wokuphulukana nemali yakho. Iinkonzo zokutshintshiselana ngokukopisha zineengozi ezongezelelekileyo kutyalo-mali lwakho ngenxa yohlobo lweemveliso ezinjalo. Ukuba umngcipheko obandakanyekayo ubonakala ungacacanga kuwe, kuya kuba ngcono ukuyeka le ndlela inochuku yokutyala imali.
Olu didi lweemveliso zemali luphuhlisiwe ngezicwangciso zamanyathelo amabini. Kwelinye icala, ukwanelisa utyalo-mali lwexeshana elifutshane olwenzelwe abo batyalomali abafuna indlela ekhawulezayo yokufezekisa iinjongo zabo kwaye ngubani ngokukhawuleza ukufezekisa inzuzo enkulu kwiintshukumo zabo kwiimarike zemali. Kwaye kwelinye icala, ngamaqonga eengcali kwiimarike zezemali. Apho igalelo labo eliphambili lilele kwinto yokuba banokunceda ukukopa imicimbi kunye nokulawula ngokupheleleyo yonke imingcipheko enokubakho.
Iqonga ledijithali: bhalisa
Ukuqala ukurhweba kwimakethi yotshintshiselwano lwangaphandle okanye ezinye iiasethi zemali, kubalulekile ukubhalisa kwindawo yelungu kwaye uvule iakhawunti yokurhweba. Ukwenzela i abathengisi bokuqala, ebizwa ngokuba yiakhawunti yedemo iyafumaneka. Ithetha ntoni le nto? Ewe, ilula kakhulu, indlela yokufunda njengomtyalomali kodwa ngemali ebonakalayo ngaphandle komngcipheko wokuphulukana nemali yokwenyani. Akunyanzelekanga ukuba wenze naluphi na utyalo mali olubalulekileyo.
Isinyathelo esilandelayo kukukhuphela nokufaka iqonga lokuthengisa. Ukuthenga nokuthengisa iimali okanye ezinye iimveliso zemali, kuya kufuneka ukhuphele eli qonga kwaye ulifake kwikhompyuter yakho okanye kwenye Isixhobo sobuchwepheshe ukuqala urhwebo kwimarike yemali ekhethiweyo kwimizuzu embalwa. Ngayiphi na imeko, ukukunceda ufunde ukuqikelela ukuhamba kweebhangqa zemali, ezi ziqonga zedijithali zibonelela ngobutyebi bezinto zokufunda kunye nezalathiso.
Yenza idipozithi
Elinye inqanaba kule nkqubo yotyalo-mali yenziwe ngokwenziwa kwemali yokwenyani. Ngale ndlela, ukuqala ukurhweba ngemali yokwenyani, kuya kufuneka ubeke iakhawunti yakho yorhwebo. Kungenziwa kwicandelo eligama njenge Idiphozithi okanye ukurhoxa, Kuxhomekeke kwinto eza kuba ziintshukumo zabasebenzisi ngaphakathi kwendawo yelungu. Ungafaka iakhawunti yakho yorhwebo usebenzisa nayiphi na inkqubo yentlawulo ekhoyo, efanelekileyo kuwe. Apho ezaziwa khona ezikhoyo, ukusuka kugqithiso lwebhanki ukuya ekusebenziseni ikhredithi okanye amakhadi etyala.
Inyathelo elilandelayo lisekwe ekwenzeni intengiselwano kwiqonga ledijithali. Uyivula phi iodolo entsha, kufuneka Cacisa umthamo (Kuyacetyiswa ukuqala ngobuncinci be-0.01) kwaye ukhethe phakathi kokuthengisa nokuthenga. Emva kwale nkqubo, i-odolo yakho ivulekile, oko kuthetha ukuba sele uqalile ukurhweba kwimakethi oyikhethileyo kwaye inokuba yenye yezona zininzi zaba baqhubi bezemali abanazo. Apho, kwiinyanga nje ezidlulileyo, enye enezinto ezintsha ezinxulunyaniswa nemali ebonakalayo ibandakanyiwe, apho kukho i-bitcoin.
Uqinisekiso lotyalo-mali kubaqhubi
La maqonga akhethekileyo, ngokubanzi, angamalungu eNgxowa-mali yeMbuyekezo yoTyalo-mali yelinye ilizwe okanye elingahambelani kangako. Injongo yengxowa-mali kukubonelela abathengi be-inshurensi beenkampani ezibhalisiweyo ngentlawulo yembuyekezo ukuba iinkampani azikwazi ukuzihlawula ngokwazo. Kule meko, imbuyekezo inokubaninzi ukuya kuthi ga kwi-20.000 euro.
Inani elincinci ledipozithi yokuqala kwiiakhawunti eziphuhliswe ngamaqonga otyalo-mali edijithali yi-100 USD / 100 EUR / 100 GBP (okanye ilingana nayo nayiphi na enye imali). Inkqubo ye- idipozithi encinci kwiiakhawunti ezizodwa zii-5,000 zeedola. Akukho zithintelo kwiidipozithi ezilandelayo. Nangona kunjalo, kubalulekile ukwazisa ukuba umngcipheko wale misebenzi uphezulu kakhulu kwaye ke ngoko akucebisi ukwenza iintshukumo ezinkulu kuba indawo elungileyo yenkunzi yotyalo-mali inokulahleka.
Iinkqubo zebhonasi
Enye into ekufuneka ibonakalisiwe ukusukela ngoku ukuya phambili kukuba le yinkonzo enokhuseleko olungelulo kwi-akhawunti. Oku kuyenzeka kuthetha ukuba ukusukela ngalo mzuzu kanye, bonke abatyali mali abancinci nabaphakathi baqinisekisiwe ngokhuseleko lwebhalansi engeyiyo. Ngale ndlela, ukukhuselwa kwemali eseleyo kukuqinisekisa ukuba umtyali-mali akakwazi ulahlekelwe yimali engaphezulu le unayo kwiakhawunti yakho. Akumangalisi ukuba, emva kwayo yonke enye yeengozi ezinkulu zale misebenzi. Ngaphezulu kokunye ukuthathelwa ingqalelo kwezobuchwephesha kwaye kude kube kwinqanaba lesalathiso somxholo wayo.
Kwelinye icala, la maqonga otyalo-mali edijithali afake inkqubo yeebhondi ukwenza ukuba imisebenzi yeasethi yemali yenziwe ukuba inenzuzo kwimeko nganye. Ngokukodwa, bathambekele ekunikezeleni abathengi babo ezona zinto zibalaseleyo zentengiso kwiimarike zezemali: ivawutsha yeklasikhi, ivawutsha ethethathethanayo okanye ukubuyiswa kwemali. Ngezindululo ezithwala izaphulelo ukuya kuthi ga kwi-10% kwityala lebhalansi. Ngelixa ngokuchaseneyo, ezinye zenzelwe okona kulungileyo
Iingcebiso zokugcina ezi nkqubo
Kukho uthotho lweengcebiso ukuze abatyali mali abancinci nabaphakathi bakwazi ukwandisa ukuhamba kwabo kwiiasethi zemali ezikhethiweyo kwaye bahambe ngokuthobela ezinye zeengcebiso esikuvezela zona ngezantsi:
- Ngaphantsi kwenkqubo, umthengi unethuba lokwenza njalo rhoxisa imali ukusuka kwindawo yelungu lakho kabini ngenyanga ngaphandle kokuhlawula iikhomishini.
- Umthengi unokusebenzisa le nkqubo ngolwesiBini wokuqala nolwesithathu kwinyanga nganye, yonke imini.
- Ngeentsuku zeveki ezichazwe apha ngasentla, umxhasi angarhola imali ngaphandle kwekhomishini ngayo nayiphi na inkqubo yentlawulo efumaneka kube kanye kuphela ngosuku.
- Ukuxhamla kwisibonelelo, umthengi kufuneka afake iakhawunti yakhe yorhwebo ubuncinci kube kanye kwiinyanga ezintandathu ezidlulileyo.
- Ukukhetha kwe ukurhoxa simahla kuba ikhomishini yokusebenzisana ilinganiselwe.
Kwelinye icala, bacinga ngezinye iinkqubo apho abasebenzisi banokuthi baxhamle kwimeko yeekhontrakthi abazibonelelayo. Umzekelo, ngemisebenzi esemgangathweni kunye nepesenti yomda (kuma-50% obuncinci obufunekayo) apho umboneleli kufuneka avale indawo enye okanye ezingaphezulu ezivulekileyo ze-CFDs okanye ezinye iimveliso ezineempawu ezifanayo.
Inkqubo yokurhoxa ngokuzenzekelayo
Kwelinye icala, kufanele ukuba kuqatshelwe ukuba inkqubo yokurhoxa kwemali ngokuzenzekelayo yinkonzo yokulungiselela ngokuzenzekelayo izicelo zokurhoxa kwemali ezivumela ukunciphisa ixesha lokuhambisa yemali ukuya kuthi ga kwimzuzu enye. Izicelo azisaqhubekeki zodwa ngexesha leeyure zenkampani, kodwa nasebusuku, ngeempelaveki okanye nangeeholide.
Ipesenti yezicelo ezenziweyo ngokuzenzekelayo ikhula ngokuzinzileyo. Ngeli xesha, iipesenti ezingama-85 zezicelo zabathengi zenziwa ngale ndlela ngokuzenzekelayo. Apho ixesha lokuqhubekeka kwesicelo lingaphantsi komzuzu omnye. Kwenye indlela, ukurhoxiswa kwemali kunezigaba ezi-2: unyango lwesicelo sokurhoxa kunye nokwenziwa kwesicelo. Ukuzenzekelayo le nkqubo kukhawulezisa isantya sokurhoxisa imali.
Inkqubo yokusebenza iyafumaneka
Le nkqubo isebenza iiyure ezingama-24 ngosuku, iintsuku ezisi-7 ngeveki. Bonke abathengi banokurhola imali yabo nanini na, nokuba kusebusuku, ngempelaveki okanye kwiholide kawonke-wonke.
Inkqubo yokurhoxa ilula kwaye iyonke. Kwaye le ndlela yokurhoxa ngokuzenzekelayo ifumaneka kuzo zonke iintlobo zeeakhawunti zokwenyani apho kwenziwe khona idiphozithi kusetyenziswa nayiphi na kwezi nkqubo zentlawulo zilandelayo: Skrill (Moneybookers), FasaPay, NETELLER. Kuya kufuneka wenze isicelo sokurhoxa kwindawo yamalungu akho.
Ngokumalunga neminye imisebenzi, leyo imiselwe ukugqithisela imali phakathi kweeakhawunti zabo zorhwebo kumaqonga ohlukeneyo otyalo-mali lwedijithali. Ngale ndlela, kufanele kuqatshelwe ukuba ungadlulisela imali kwiakhawunti, eyayifakwe kwikhadi lebhanki, kungekho ngaphezulu kweentsuku ezingama-30 emva komhla wedipozithi. Ukugqibezela ugqithiso lwangaphakathi: igama eligqithisiweyo leakhawunti, isixa esiza kudluliselwa kunye nenombolo yeakhawunti yendawo oya kuyo