Iimali zotyalo-mali yenye yezona mveliso zintsha ezikhoyo kwiimarike zezemali kwihlabathi liphela. Ukuza kuthi ga kwinqanaba lokuba iimali ezibonakalayo zithathelwa ingqalelo ukwenza iphothifoliyo yotyalo-mali. Kwaye ngokukodwa kwiitcoins zokudibana ibango elinamandla ukuba ngabasebenzisi. Ngenxa yenzuzo ephezulu yokuba izikhundla zabo zibonelela unyaka wonke. Akunakulityalwa ukuba yenye yeempahla zexabiso ezixabise kakhulu ngeli xesha. Ngaphezulu kwesinyithi esixabisekileyo, izinto ezingasetyenziswanga okanye izinto eziyimfuneko.
Unjalo ke ulindelo lokuba i-bitcoins ivelise phakathi kwabatyali-mali abenziweyo Iindlela ezintsha zotyalo-mali. Ezinye zazo zinobuchule kunye nentsusa njengalezo zimelwe ziimali ezithile zotyalo-mali. Nangona isephantsi koncedo lokufumana olungafikeleliyo kwinxalenye enkulu yabatyali mali abancinci nabaphakathi. Kuphela ziinkampani ezithile zolawulo ezikhethe ukurhweba ngazo. Apho kuphela ngabagcini-mali abanxibelelana neli candelo abaya kuba nakho ukwanelisa ibango ngokukodwa njengolu hlobo lweemali zotyalo-mali.
Ngale ndlela, ukuba ukwimeko ebekiweyo yokwenza ukonga kwakho kube luncedo ngale mveliso yemali, awusayi kuphinda ube nasizathu sokungayenzi. Nangona inobungozi obuvela kolu hlobo lomsebenzi. Apho kuyinyani ukuba unokufumana imali eninzi. Kodwa ngenxa yesizathu esifanayo, kukushiya ezininzi ze-euro endleleni. Yinto ekufuneka uyenayo ukusukela ngoku ukuba ekugqibeleni i-bitcoins lukhetho lwakho lokugqibela. Akunanto, yimali yedijithali eyakhawulwa ngo-2009.? Ligama elisebenza nakwinkqubo kunye nenethiwekhi ye-P2P eyayixhasayo, kwaye ibizwa ngokuba yimali yedijithali. Kwaye ngoku kunokuba yinto yotyalo-mali lwakho.
I-Bitcoins: ingxowa-mali yokuqala
Le mveliso intsha yemali inikezelwa ziimarike ibizwa ngokuba IPheidon kwaye yiprojekthi eyenziwa ngusomashishini kunye notyalomali u-Eneko Knorr. Eyona njongo iphambili yokunika impendulo esebenzayo kwisidingo esikhulayo kwimarike yemali yaseSpain. Ayikho enye ngaphandle kokutyala imali kwi-cryptocurrensets, njengakwimeko ezithile zebitcoins okanye i-ethereum. Kodwa ngeli xesha ngemodeli yotyalo-mali ekhuselekileyo njengaleyo imelwe yimali. Apho inokudibaniswa nezinye ii-asethi eziyimali, kokubini ukusuka kwi-equity kunye nengeniso esisigxina. Ukwahlulahlula ukonga kwimeko yokungazinzi kwicala leasethi yemali.
La ukungabikho kwenzuzo kwiimveliso zebhanki Okuninzi ngokwesiko (iidiphozithi zexesha, amanqaku ezithembiso, iiakhawunti ezihlawula kakhulu, njl. Ngayiphi na imeko, oku ngokungathandabuzekiyo kutyalo-mali oluphezulu lomngcipheko, kodwa ngembuyekezo ephezulu kakhulu. Ngaphezulu kwezo zivelisiweyo kolunye udidi lweeasethi zemali. Apho ukufezekisa imbuyekezo engaphezulu kwama-20% akunakwenzeka ngeli xesha. Ukuba akunjalo ngokuchaseneyo, inyani onokuyisebenzisa ukusukela ngoku.
Ukuziphatha kwepotifoliyo yakho
Kwelinye icala, ayinakulityalwa ukuba kunyaka ophelileyo, ii-bitcoins ziphindaphindwe ngeshumi, ngokutsho kwemithombo yecandelo. Ukuza kuthi ga ngoku ukuba ikwindawo ye- malunga ne-7.200 euro Kwaye ngokwomphathi wale ngxowa mali ityaliweyo, inokufikelela kwi-100.000 yeerandi kwiminyaka nje embalwa. Oku kubonisa amandla okuhlaziya ale mali ebonakalayo kule minyaka imbalwa izayo. Nangona kufuneka usebenze ngononophelo olukhulu ngenxa yeempawu ezizodwa zesi sicelo sitsha sokunxibelelana nehlabathi elihlala linzima lemali.
Ngayiphi na imeko, iphothifoliyo eyahlukeneyo kufuneka ibandakanye kwiphothifoliyo yayo phakathi kwe-5% ne-10% malunga notyalo-mali kule klasi yezezimali ezizayo. Ukuze amathuba okwenza ulondolozo lube nenzuzo makhulu kunangaphambili. Nangona ingezizo zonke iiprofayili zabatyali zimali abancinci nabaphakathi abakhethwe ukuba basebenzise olu hlobo lomsebenzi kwiimarike zezemali. Ayothusi into yokuba uninzi lwazo luyinto yokwenene enzima kwaye kunzima kubo ukufumana indawo kolu tyalo mali luvele kule minyaka idlulileyo. Kungenxa yokuba iyema into ethile, kungenxa yokuba bebengekho kwiimarike kwiinyanga nje ezimbalwa.
Iimpawu zeBitcoins
Ngaphambi kokuba ukhethe i-cryptocurrensets, kuya kufuneka ukuba uyazi ukuba ngawaphi amaxabiso aziswa lolu tyalo-mali. Ziya kuba zininzi, nangona ingezizo zonke izinto ezintle njengoko ubona ukusukela ngoku. Apho isilumkiso kufuneka ngaphandle kwamathandabuzo sidibanise zonke iintshukumo zakho kwiimarike zezemali. Ngayiphi na imeko, ingcebiso enobulumko ayikokutyala imali kuyo yonke imali oyigcinileyo kutyalo-mali oluntsokothileyo njengoko kunjalo. Ngayiphi na imeko, le yeyona migangatho yayo yokusebenza ibalulekileyo ukuze ubenokuthi uyithathele ingqalelo ukusukela ngoku.
- Los ingozi Kuya kufuneka ukuba ucinge ukuba iya kuba phezulu kakhulu kunenye yezinto eziqhelekileyo okanye iiasethi zemali zesintu. Iya kuba ngumrhumo oya kuhlawulwa ngokukhetha le ndlela intsha.
- Unayo Ambalwa kakhulu amathuba ukukhetha iimali ezisekwe kule klasi yeemali ezikhoyo. Apho ngekhe ukwazi ukukhetha imodeli efanelekileyo yeprofayili yomtyali-mali onayo ngoku. Nangona kuyindawo yotyalo-mali ngokucacileyo eyonyukayo.
- Unokwabela inxalenye encinci kakhulu yolondolozo lwakho kwimali ye-bitcoin. Ezinokusebenza njenge ukuxhasa ezinye iintlobo zotyalo-mali oko kufanele kukhethwe kukhetho lwakho. Esi sesinye sezicwangciso onokuthi uzisebenzise ukwandisa ukusebenza.
- Olu ayilulo utyalo-mali oluqhelekileyo, kodwa ngokuchaseneyo, lulawulwa ngu iiparameter ezahlukeneyo. Kuya kufuneka uyazi ukuba uzimisele ukuthatha olu hlobo lwemisebenzi kwaye ukungazinzi kwayo kuphakame kakhulu kwaye kunokudala iintlungu ngamanye amaxesha.
- Las iikowuti zembali Iibhitcoins zisandula ukwenziwa. Ngenxa yale meko awuzukukwazi ukwenza uhlalutyo oluneenkcukacha zezicatshulwa zabo. Iya kuba yinto oya kuthi uchasane nayo xa ucwangcisa utyalo-mali lwakho. Ukuthelekisa kwexesha elifutshane kuphela kuya kuba kufanelekile kwaye kungaze kube lixesha elide. Njengakwelinye icala, kwenzeka ngeyona asethi yemveli yemali: imarike yemasheya, iimali, izinto ezivela kuzo, njl.
- Olu didi lweemali zotyalo mali azivelisi iikhomishini eziphezulu kunezinye iimveliso zemali. Ziya kuba ngokufanayo kwaye ziya kusekelwa kwiimodeli eziyilwe ziinkampani zolawulo. Banokufikelela kwi-2% ephezulu kwezinye iimeko kwaye bahlala bekwi-capital capital.
Izibonelelo zokukhetha imali
Kwimeko nayiphi na into, ukutyalomali kwe-bitcoins ngokusebenzisa imali yotyalo-mali kuthwala uthotho lwezibonelelo ekufuneka uzithathele ingqalelo ukusukela ngoku. Kwaye ukwenza njalo, akukho nto ilunge ngakumbi kunokudweliswa zeziphi ukuze uzisebenzise.
Enye indlela eya kuthi iqhubeke yahlulahlula imali kwaye ungalahleki yimali eninzi kangaka kwezi meko zincinci zithandekayo zale asethi yezemali. Ukuza kuthi ga kwinqanaba lokuba ube nesiqinisekiso esikhulu ngokwendlela yokusebenza abanokubonelela ngayo.
El ulawulo lwamaxabiso Kuyenzeka ngakumbi kunokuba endaweni yoko kufuneka utyale imali kwezi mali. Esi sicwangciso siya kukunceda ulungelelanise iziphumo zeakhawunti yakho. Ubuncinci uya kunciphisa ilahleko ngokubonakalayo.
Ungahlala Ngena kwaye uphume kwiimarike zemali ngokulula ngakumbi. Ngexesha olifunayo kwaye ungade udlulisele nakwezinye iimali zotyalo-mali. Phakathi kwabo, ezo zivela kwimali engenayo, ingeniso emiselweyo okanye ezinye iindlela.
Zimbalwa kakhulu iimveliso zezezimali ezivula ithuba lokuthatha izikhundla kwiimali ezibonakalayo. Ngale ndlela, ukhetho olutsha luvula oko kukuthi kujoliswe kuzo zonke iintlobo zabatyali zimali abancinci nabaphakathi. Ukusuka kwezona zilondolozekayo kwabo bakhetha iimodeli ezinobundlongondlongo.
Ungaludibanisa olu didi lwemali kwipotifoliyo yakho njengenkqubo yonga kakhulu ingeniso. Ukuba izixa-mali azikho zinkulu kakhulu, ziya kukubonelela ngokhuseleko olukhulu ngokuba imali oyityalileyo yahluke kakhulu kunangoku.
Ngayiphi na imeko, ukubonakala kwale ngxowa mali kutyunjwe njengethuba elitsha lweshishini onalo ngoku. Ayisiyo yokuba uyayikhetha, kodwa kuphela kukuba uyixabise xa kunokwenzeka ukuba ihambelane neemfuno zakho zokwenyani zokufumana imbuyekezo enkulu minyaka le. Kungenxa yokuba kumgaqo akukho kubhetele okanye kubi kunezinye iimali. Ukuba akunjalo, yonke into iya kuxhomekeka kwiikhrayitheriya zakho zokucwangciswa kweeasethi kule minyaka imbalwa izayo. Ngazo zonke izibonelelo kunye nezinto ezingalunganga ezinxulumene nemali ebonakalayo.