Abatshalizimali bavame ukuzibuza imibuzo eminingi engaphendulwa ngezizathu eziningi. Kulesi sihloko sizokwenza kanjalo kuveza ezinye zezinto ezikhathazayo ukuthi singabamba ngaphezu komzuzu owodwa futhi impela sizobaphendula. Kungaba yisizathu sokuthi ukhethe ukwenza imali ngokulondoloza kwakho ngezimakethe zamasheya. Ngendlela ephephile futhi uvikele izikhundla zakho.
Ngemibuzo ejwayelekile njengokuthi kufanele ngenzeni ngokutshalwa kwemali kwami kuleli holidi elilandelayo? Manje njengoba sesisondele kakhulu kulezi zinsuku ezilindelekile. Kepha njengezinye izindlela ezingathakazelisa kakhulu kunoma yimuphi umtshalizimali omncane naphakathi ofuna ukuthatha izikhundla ezimakethe zezimali, kepha ngokulondeka okukhulu. Vele kungatholakala ngeminye yale mibuzo esizokubuza yona. Bangakusiza ukuthi uhambise utshalomali lwakho ngendlela efanele.
Ekupheleni kosuku, kumayelana nokuthi unokungabaza okuncane lapho uzokwenza i-oda lokuthenga ezimakethe zezezimali. Kungumsebenzi ongenzima kangako ukuwenza kepha ongakulethela izinzuzo eziningi kucebo lokutshala imali ozolisebenzisa kusuka kulezi zikhathi eziqondile. Yize ukuyihlanganisa nezinye izinhlelo ukukhetha imikhakha yezokuphepha nemakethe yamasheya ezokwenza kahle kakhulu ezinsukwini noma emasontweni azayo. Kunjalo kuzofanele ukwenze kube lula kwayo nangale kokunye ukucatshangelwa kwezobuchwepheshe. Ukuze ekugcineni ube nebhalansi e-buoyant ngaphezulu ku-akhawunti yakho yokonga.
Amasu okuphumula
Yini okufanele ngiyenze ngokutshalwa kwemali kwami kuleli holidi elilandelayo? Njengoba sibhekene nesimo esiseduze kangaka, akungabazeki ukuthi ezimweni zohambo lwenjabulo lokunqamula inqubo ejwayelekile yansuku zonke, into ebaluleke kakhulu ukukhohlwa izinsuku ezimbalwa ukuthi izimali zethu ziguquka kanjani futhi, lokhu kungafezekiswa ngecebo eliphindwe kabili ukuthi kuyinto itholakale kubo bonke abasebenzisi izimakethe zamasheya. Okokuqala, sishiya ama-akhawunti ethu ngokuphelele, okungukuthi, ukususa izikhundla zokuthenga futhi lapho befika kusuka ohambweni, qala inqubo yokuthenga. Futhi, okwesibili, ngokusebenzisa ama-oda anemibandela azobangela ukuthi izikhundla zokuthenga zihlehliswe ngentengo ethile.
Kuzona zombili lezi zimo, yizinyathelo okulula kakhulu ukuzisebenzisa futhi ezizovumela umsebenzisi ukuthi achithe izinsuku ezimbalwa enokuthula okuphelele kwengqondo lapho eya khona, azi ukuthi i-oda labo lizosetshenziswa ngokuphoqelela uma lifinyelela intengo esiyinikezile ukuthengisa amasheya, okungenzeka aqondane, ngokwesibonelo, nezinga lokumelana. Lesi sakamuva kungenye indlela ikakhulukazi Kunconywa ngezikhathi zeholide njengaleyo emele izinyanga zasehlobo. Ngaphandle kwanoma iyiphi ikhomishini noma imali ekhokhwayo ekhokhwayo evela ebhange noma ebhange lokonga.
Ukubheja ekwehleni kwezitoko
Ngingazuza ezikhundleni ezihamba phambili ezimakethe zezezimali? Vele kunjalo, futhi ngalo mqondo, kufanele kukhunjulwe ukuthi abatshalizimali banethuba lokuphendukela emikhiqizweni eyahlukahlukene ukuze batshale lapho izimali ziwela esikhathini esifushane. Ezimweni eziningi lokhu kungokuphuma okunenjongo yokufeza inzuzo ephezulu kunoma yisiphi isimo semakethe, noma ngabe i-bullish noma i-bearish. Kunoma yimaphi amafomu, angumkhiqizo ohlukaniswa kokubili yinkimbinkimbi yemisebenzi yawo kanye nengozi enkulu okubandakanya izintshisekelo zabatshalizimali, okuthi noma ingathola inzuzo enkulu yemali, ingalahlekelwa nemali eningi.
Omunye wemikhiqizo ephawuleka kakhulu yilokho okuthiwa Ukuthengiswa kwezikweletu lokho kunomsebenzi ochazwe kahle: amabhizinisi ezezimali aphethe ekubolekiseni ukuphepha okufunwa yikhasimende, bese kulidayisa ngentengo yosuku. Ngemuva kwalokho ibhange linikeza umsebenzisi izinyanga ezifika kwezintathu ukuthi abuyise amanani ngentengo anayo ngaleso sikhathi futhi, ngokusho kwesibikezelo sabo, ezoba ngaphansi kunalena yamanje. Ngakho-ke, umtshali-zimali uzothola umehluko. Kunoma ikuphi, lolu hlobo lokusebenza lunengozi enkulu, lapho ungashiya khona imali eningi endleleni.
Ukudlula izisekeli esikhwameni
Kwenzekani lapho inani lidlula amazinga ezisekeli? Lapho ukusekelwa kugwazwa, khona-ke intengo ivame ukwehla kakhulu: isitoko siphule isithiyo esitholakale ekwehleni kwaso, futhi uma sesinqotshiwe, siwela ngokukhululeka, yingakho inani lentengo kufanele lilungiswe nezinga lokusekela. Nini ukumelana kunqotshiwe, ngakolunye uhlangothi, intengo nayo ivame ukukhuphuka ngokuqinile.
Yimiphumela enayo ngqo entengweni yesibambiso noma inkomba futhi okufanele ibhekwe njalo ngumtshalizimali inzuzo emisebenzini yakho. Izinga lokusekela (ukumelana) liyaqina njengoba intengo isuka kude nayo ngemuva kokuhlolwa. Uma intengo ihlangana ngo-8% ngemuva kokuhlola ukusekelwa, kubhekwa njengamandla kunokuthi ngabe ihlangane kuphela, ngokwesibonelo, u-5%. Kuyisu elizuzisa kakhulu kubatshalizimali abancane nabaphakathi ezindaweni eziphezulu ezimakethe zezimali.
Ukubaluleka kwezinkomba
Kungani iMACD ifaneleka kangaka? Esinye sezinkomba ezingaba wusizo ekuhwebeni emakethe yamasheya yi-MACD (Ukuhambisa Isilinganiso Sokwehluka Okuphakathi) noma, ekuhumusheni kwayo ku-Spanish, ukuhlangana noma ukwehluka kwesilinganiso esihambayo, futhi okunezinto ezintathu: i-MACD, isignali kanye ne-histogram. Eyokuqala, i-MACD, ngumehluko phakathi kwezilinganiso ezimbili ezihamba phambili ezichazayo zobude obuhlukile: isilinganiso sokuqala sizwela kakhulu ukunyakaza kwentengo esikhathini esifushane bese kuthi okwesibili kube yisilinganiso esiphakathi nendawo. Into ejwayelekile ukusebenzisa umehluko phakathi kwesilinganiso sokuhamba sezikhathi eziyi-12 kanye nesilinganiso sokuhamba esiyizikhathi ezingama-26, yize kungenziwa amanye amanani.
Yebo, i-MACD izungeza ulayini ophakathi nendawo noma umugqa onguziro, ngaphandle kwemikhawulo ephezulu noma ephansi, kuya ngomkhuba ngamunye. Kulo mugqa ongu-zero kuyaqondakala ukuthi amandla okufunwa ayafana nalawo okunikezwayo, i-MACD esendaweni ethathwa njengathathi hlangothi. Ngaphezulu kwalayini, le nkomba iqala ukuthengwa ngokweqile nangaphansi kwalokhu Izinga liqala ukubhekwa ngaphezulu. Kepha umqondo wokuthengwa ngokweqile noma ukubekwa ngokweqile akufanele ucatshangwe kuze kube yilapho i-MACD ihamba ngokwanele kude nomugqa we-zero, futhi le mingcele ivame ukusethwa ngamazinga aphansi noma aphezulu le nkomba efinyelele kuwo ishadi.
Izingcaphuno zesikhathi sangempela
Ungayilandela intengo yokuphepha ngesikhathi sangempela? Vele yebo, njengesibonelo, ngokusebenzisa i-S & P 500 Njengoba kuyinkomba enzima kakhulu ukulandela, idinga uchungechunge lwamathuluzi ukuze ikwazi ukuyilawula ngokufanele, okungenye yezikhalazo ezivame kakhulu ezivela kubatshalizimali abasesimakethe. Esinye sazo sidlulile landelela izingcaphuno zakho ngesikhathi sangempela esingenziwa ngezindlela ezahlukahlukene, njalo ngokusebenzisa ukubhenka on line: mahhala, ukuqongelela imisebenzi edingekayo ngonyaka odlule kule makethe.
Noma ngokubhalisela insizakalo yesikhathi sangempela unyaka owodwa, lapho ungathola futhi i- isikhwama sevawusha, enikezwa ezinye izinhlangano, ngokufakwa kwe- amakhomishini wamahhala ngenani elifanayo lokubhaliselwe, livumelekile kunoma imuphi umkhiqizo ongene ngemvume nge- umthengisi. Intengo yalokhu okubhalisile ilinganiselwa cishe kuma-euro angama-100, yize noma kunjalo ikunikeza uchungechunge lwemisebenzi yamahhala phakathi nonyaka edambisa ukukhishwa kwezezimali okuzodingeka kwenziwe.
Isikhathi sokwenza isaphulelo
Yiziphi izizathu zangempela zokuvela kwentengo? Lapho imakethe iphuka kancane, ukungazinzi nokwesaba kuyanda, ngenkathi umuzwa wokungatshali imali engxenyeni yabatshalizimali abancane nabaphakathi ukhula. Akukho ukwethembana futhi “izandla ezinamandla” azikho emakethe. Kuyisimo esihle sokuthi kwenzeke ukubuyela emuva futhi. Esimweni esinjalo, ukuthola izizathu zokuba nethemba kunzima futhi kunzima ukuthi imali iye ku imigqa izimakethe zamasheya. Abatshalizimali bayadela, ukuthengisa kuyaqhubeka futhi umuzwa wokuwa kwamahhala ubusa.
Ngakolunye uhlangothi, ukubukwa ngaphezulu kunamaphesenti aphezulu kakhulu, kokunye okungajwayelekile. Kungaleso sikhathi lapho, ngokumangala, le nhlangano inyukela phezulu okwesikhashana ebamba ngejubane eliguqukile ukungapheli kwabasindisi abangenakho ukuzethemba emalini ngoba bakholelwa ukuthi amanani entengo azokwehla kakhulu kumaseshini alandelayo. Okuhlangenwe nakho kokuvela kwezimakethe zamasheya kukhombisa lokho noma okulayishiwe akunamkhawulo noma ukuwa okungapheli. Lokhu kufanele ukubheke kusuka manje kuqhubeke ukuze wenze amaphutha ambalwa kakhulu ezimakethe zezimali.