Izimali zokutshala imali zingenye yemikhiqizo emisha kakhulu ekhona ezimakethe zezimali emhlabeni jikelele. Kuze kube sezingeni lokuthi izimali ezibonakalayo ziyabhekelwa ukwenza iphothifoliyo yokutshala imali. Futhi ikakhulukazi ama-bitcoins ukuhlangabezana ne- funa ngamandla ukuthi kukhona ingxenye yabasebenzisi. Ngenxa yenzuzo ephezulu enikezwa izikhundla zabo unyaka wonke. Akunakulibaleka ukuthi ingenye yezimpahla zezezimali ezizibonge kakhulu kulesi sikhathi. Ngaphezu kwezinsimbi eziyigugu, izinto zokusetshenziswa noma izidingo eziyisisekelo.
Lokhu kulindelwe ukuthi ama-bitcoins akhiqize phakathi kwabatshalizimali abakhiwayo izinhlobo ezintsha zokutshala imali. Ezinye zazo zakha izinto ezintsha futhi zangempela njengalezo ezimelwe ezinye izimali zokutshala imali. Yize kusengaphansi kokuphakelwa okungafinyeleli engxenyeni enkulu yabatshalizimali abancane nabaphakathi. Izinkampani ezithile zokuphatha kuphela ezikhethe ukuthengiswa kwayo. Lapho kungabasindisi kuphela abaxhumana nalo mkhakha abazokwazi ukwanelisa isidingo esikhethekile njengalesi sigaba semali yotshalo-mali.
Ngale ndlela, uma usesimeni esithile sokwenza ukonga kwakho kube nenzuzo ngalo mkhiqizo wezezimali, ngeke usaba nezaba zokungakwenzi. Yize kunezingozi ezitholwe kulolu hlobo lomsebenzi. Lapho kuyiqiniso ukuthi ungathola imali eningi. Kepha ngesizathu esifanayo, kukushiyela ama-euro amaningi endleleni. Kuyinto okufanele ube nayo kusukela manje uma ekugcineni ama-bitcoins kuyisinqumo sakho sokugcina. Hhayi ngeze, iyi-cryptocurrency eyakhiwe ngo-2009.? Yigama elisebenza futhi kuphrothokholi nakwinethiwekhi ye-P2P eyisekelayo, futhi ibizwa ngokuthi yimali edijithali. Futhi lokho manje kungaba yinto oyitshalile.
Ama-Bitcoins: isikhwama sokuqala
Lo mkhiqizo omusha wezezimali onikezwa izimakethe ubizwa I-Pheidon futhi kuwumsebenzi owenziwa ngusomabhizinisi kanye nomtshali-zimali u-Eneko Knorr. Ngenhloso enkulu yokunikeza impendulo ephumelelayo esidingweni esikhulayo emakethe yemali yaseSpain. Akukho okunye ngaphandle kokutshala imali kuma-cryptocurrensets, njengamacala athile ama-bitcoins noma i-ethereum. Kepha kulokhu ngokusebenzisa imodeli ephephile yokutshala imali njengaleyo emelwe yizimali. Lapho ingahlanganiswa khona nezinye izimpahla zezezimali, zombili kusukela kokulingana kanye nemali engenayo engaguquki. Ukwehlukanisa okonga uma kwenzeka ukungazinzi kohlangothi lwale mpahla yezezimali.
La ukuntuleka kwenzuzo yemikhiqizo yasebhange Okunye okwendabuko (imali yesikhathi, amanothi ezethembiso, ama-akhawunti akhokha kakhulu, njll.) Kukhuphule intshisekelo yabatshalizimali abancane nabaphakathi ezinhlotsheni ezintsha zokutshala imali, njengama-cryptocurrensets. Kunoma ikuphi, ngokungangabazeki lokhu kungukutshalwa kwemali okunobungozi okuphezulu, kepha ngenzuzo ephezulu kakhulu. Ngaphezu kwalabo abenziwe kwesinye isigaba sezimpahla zezimali. Lapho ukuthola inzuzo enkulu kuno-20% kungenzeki ngalesi sikhathi. Uma kungenjalo kunalokho, iqiniso ongalisebenzisa kusukela manje.
Ukuziphatha kwephothifoliyo yakho
Ngakolunye uhlangothi, akunakulibaleka ukuthi ngonyaka odlule, ama-bitcoins ande ayishumi, ngokusho kwemithombo yalo mkhakha. Kufika ezingeni lokuthi okwamanje itholakala ku- cishe ama-euro angu-7.200 Futhi ngokusho komphathi walesi sikhwama esikhethekile sokutshala imali, singafinyelela kuma-euro ayi-100.000 eminyakeni embalwa nje. Lokhu kukhombisa amandla wokubuyekeza wale mali ebonakalayo eminyakeni embalwa ezayo. Yize kufanele wenze ngokuqapha okukhulu ngenxa yezici ezikhethekile zalesi siphakamiso esisha ukuze uhlobanise nezwe lemali elihlale liyinkimbinkimbi.
Kunoma ikuphi, iphothifoliyo ehlukahlukene kufanele ifake phakathi kuphothifoliyo yayo phakathi kuka-5% no-10% cishe kwezimali ezitshaliwe kulesi sigaba semali ebonakalayo yesizukulwane esilandelayo. Ukuze amathuba okwenza ukonga kube nenzuzo makhulu kunakuqala. Yize kungewona wonke amaphrofayili wabatshalizimali abancane nabaphakathi ababekiwe ukuthi benze lolu hlobo lomsebenzi ezimakethe zezezimali. Akumangalisi ukuthi kwabaningi babo kuyinto esezingeni eliphakeme futhi kunzima ngisho ukuthola indawo yalezi zimali ezivele eminyakeni edlule. Ngoba uma ivelela okuthile, kungenxa yokuthi bebengekho ezimakethe izinyanga ezimbalwa.
Izici zeBitcoins
Ngaphambi kokuthi ukhethe ama-cryptocurrensets, kuzodingeka ukuthi wazi ukuthi yimaphi amanani alethwa yilokhu kutshalwa kwezimali. Zizoba ziningi, yize kungezona zonke ezinhle njengoba ubona kusukela manje kuqhubeke. Lapho ukuqapha kufanele kube khona ngokungangabazeki okufana kakhulu nakho konke okwenzayo ezimakethe zezezimali. Kunoma ikuphi, iseluleko esihlakaniphe kakhulu ukuthi ungatshali yonke imali oyongele ekutshalweni okuyinkimbinkimbi njengoba kunjalo ngempela. Kunoma ikuphi, lena eminye yemigqa yesenzo sayo efanele ukuze ubacabangele kusukela manje kuqhubeke.
- I-Los izingozi ozocabanga ukuthi izophakama kakhulu kunangezinye izimpahla ezejwayelekile ezijwayelekile noma zendabuko. Kuzoba ukukhokhelwa okuzodingeka ukhokhele ukukhetha le ndlela entsha.
- Unayo amathuba ambalwa kakhulu ukukhetha izimali ezincike kulesigaba semali ebonakalayo. Lapho uzokwazi khona ukukhetha imodeli efanele iphrofayili yomtshali-zimali onayo njengamanje. Yize kuyindawo yokutshala imali ecacile ukuthi iyanda.
- Ungabeka ingxenye encane kakhulu yokonga kwakho kwizimali ze-bitcoin. Okungasebenza njenge ukuhambisana nezinye izinhlobo zotshalo-mali lokho kufanele kukhethwe kuzintandokazi zakho. Leli elinye lamasu ongawasebenzisa ukwandisa ukusebenza.
- Lokhu akuyona imali ejwayelekile, kepha kunalokho, ilawulwa yi amapharamitha ahlukile. Kufanele wazi ukuthi uzimisele yini ukwenza lolu hlobo lokusebenza futhi ukungazinzi kwalo kuphezulu kakhulu futhi kungadala ikhanda elibuhlungu njalo ngezikhathi ezithile.
- I-Las izingcaphuno zomlando Ama-bitcoins asanda kwenzeka. Ngenxa yalesi simo ngeke ukwazi ukwenza ukuhlaziywa okuningiliziwe kwezingcaphuno zabo. Kuzoba yinto ozoba nayo uma uhlela utshalomali lwakho. Ukuqhathanisa kwesikhashana kuphela okungakufanele futhi kungalokothi kube isikhathi eside. Njengakwelinye icala, kwenzeka ngezimpahla zendabuko eziningi kakhulu: imakethe yamasheya, izimali, okuphuma kokunye, njll.
- Lesi sigaba sezimali zokutshala imali azikhiqizi amakhomishini aphezulu ukwedlula kweminye imikhiqizo yezezimali. Zizofana ngokuyisisekelo futhi lokho kuzoncika kumamodeli aklanywe izinkampani zokuphatha. Bangakwazi ukufinyelela kuma-2% aphezulu kwezinye izimo futhi njalo enhlokodolobha etshaliwe.
Izinzuzo zokukhetha izimali
Kunoma ikuphi, ukutshala ama-bitcoins ngezimali zokutshala imali kuthwala izinzuzo eziningi okufanele uzicabangele kusukela manje. Futhi ukukwenza kube njalo, akukho okungcono kunokufaka kuhlu ukuthi iziphi ozokwazi ukuzisebenzisa.
Yenye indlela yokuqhubeka funa ukonga imali futhi ungalahlekelwa yimali eningi kakhulu kuzimo ezingezinhle zale mpahla yezezimali. Ukufika ezingeni lokuthi ungaba neziqinisekiso ezinkulu ngokwendlela yokusebenza abangakunika yona.
El ukulawulwa kwentengo Kuyenzeka kakhulu kunokuthi esikhundleni salokho bekufanele utshale kulezi zimali ngawodwana. Lelisu lizokusiza ukuthi ulinganise imiphumela yama-akhawunti akho. Okungenani uzonciphisa ukulahleka kakhulu.
Ungahlala njalo faka futhi uphume ezimakethe zezezimali kalula. Ngesikhathi osifunayo futhi ungenza nokudluliselwa kwezinye izimali zokutshala imali. Phakathi kwabo, labo abavela kumasheya, imali engenayo engaguquki noma ezinye izindlela.
Kunemikhiqizo embalwa kakhulu yezezimali evula ithuba lokuthatha izikhundla ngezimali ezibonakalayo. Ngalo mqondo, inketho entsha ivula leyo kuhloswe ngazo zonke izinhlobo zabatshalizimali abancane nabaphakathi. Kusukela kokugcina kakhulu kuya kulabo abakhetha amamodeli anolaka kakhulu.
Ungafaka lesi sigaba sezimali kwiphothifoliyo yakho njengohlelo loku yenza ukonga kube nenzuzo enkulu. Uma amanani engekho makhulu kakhulu, kuzokunikeza nokuvikeleka okukhulu ngokuba nemali oyitshalile ibe nokwehluka kakhulu kunamanje.
Kunoma ikuphi, ukuvela kwalesi sikhwama sokutshala imali kwakhiwa njengethuba elisha lebhizinisi onalo manje. Akukhona ukuthi uyayikhetha, kodwa kuphela ukuthi uyayazisa uma kungenzeka ivumelane nezidingo zakho zangempela ukuze uzuze inzuzo enkulu minyaka yonke. Ngoba ngokwesisekelo akusikho okungcono noma kubi kunezinye izimali. Uma kungenjalo, konke kuzoncika kunqubo yakho yokuhlela izimpahla eminyakeni embalwa ezayo. Ngazo zonke izinzuzo nezinkinga zayo ezihambisana nezimali ezibonakalayo.