Amathiphu wokukhetha i-Broker engcono kakhulu

Ukukhetha i-stock broker enhle Ungomunye wemisebenzi yokuqala okufanele sibhekane nayo ngaphambi kokungena kulomhlaba othokozisayo. Ngokunengqondo, ngamunye uzoba nochungechunge lwezindlela zokukhetha umthengisi ohamba phambili, ngoba emakethe akekho onqobayo ocacile kepha kunezinsizakalo ezahlukahlukene ezizoba ngcono noma zibe zimbi ngokuya ngokusebenza ngakunye.

Ukuze ngikusize, lapha ngizoklelisa amanye amaphuzu okufanele uwanakekele lapho ukhetha ifayela le- broker omuhle:

• Amakhomishini aphansi: Akungabazeki ukuthi iphuzu sonke esivame ukulilungisa, kepha kufanele sikhumbule ukuthi into ebaluleke kakhulu ukungabheki labo broker abanekhomishini ephansi kunazo zonke, kepha yilabo abanikeza izimo ezinhle kakhulu zesu lethu . Ngakho-ke ngokwesibonelo uma sikhona abatshalizimali besikhathi eside okufanele ubheke amaBroker ngubani awunayo ikhomishini yokuqoqa izinzuzo futhi a ikhomishini yabantwana abancane. Kodwa-ke, uma singabatshalizimali besikhashana, okusithokozisa kakhulu ukuthi amakhomishini wokuthenga nokuthengisa amasheya aphansi kunawo wonke ngenkathi lawo wokuqoqwa kwezabelo noma ukugcinwa kuzoba phansi.
• Ipulatifomu enhleIpulatifomu esizosebenzela kuyo izoba ithuluzi lethu lansuku zonke, ngakho-ke funa lezo ezihlangabezana nezidingo zakho. Uma sizosebenza kuphela ngamasheya e-IBEX, kungakuhle ukuthi sibe ne-BBVA njengoBroker (ngokwesibonelo) kepha uma sizokwenza thenga ngemikhiqizo etholakala kokunye Ezimakethe zakwamanye amazwe kuzofanele siye kuma-Brokers anekhono njengeGVCGaesco noma iRenta 4.
• Lokho akuyona i- I-akhawunti ye-Omnibus: Uma usebenzisa i-akhawunti ye-omnibus kufanele uhlale ukhumbula ukuthi amasheya awafakwanga egameni lakho kepha egameni lomthengisi. Yize kulawulwa ngokuya ngokuqhubekayo, kuhlala kunika ukuzethemba okukhulu ukuba nezabelo egameni lakho ukugwema izinkinga (ukuqothuka komthengisi, njll). Ngaphambi kokuqasha umthengisi khumbula ukubuza ukuthi basebenzisa ama-akhawunti ama-omnibus noma cha.

Lapho sekudingidwe ngezinto ezibalulekile lapho ukhetha i-Broker, sekuyisikhathi sokunikeza izeluleko ezisebenzayo.

• Ungasebenzisi abathengisi bendabuko bendabuko: Akuwona umthetho oqondile ongu-100%, kepha imvamisa amabhange amakhulu njengeBBVA, iSantander, edumile,… athanda ukuba nabashintshi ababi kakhulu. Ngokobuchwepheshe zingamapulatifomu alinganiselwe kakhulu futhi imvamisa akhokhisa amakhomishini aphezulu kakhulu. Abadayisi kulezi zinhlobo zamabhange Ngibancoma kuphela ukuthi bathenge amasheya ebhange uqobo, ngoba kuleso simo abavamisile ukukhokhisa noma yiluphi uhlobo lwekhomishini futhi bakunikeze nethuba lokuthola inkontileka ye-akhawunti yokutshala kabusha okuzenzakalelayo kwesahlukaniso.
• Qaphela okunikezwayo okuhehayo kakhulu: Kujwayelekile ukuthi umdayiseli akunikeze izimo ezinhle zokukuheha kepha okubalulekile ukuthi uthole ukunikezwa okuhle kakhulu kwesikhathi eside. Umthengisi udinga ukukhokhisa amakhomishini ukuze aphile ngakho ekugcineni wonke umuntu kufanele awukhokhise. Ungabheki ukuthengiselana okufika ngesikhathi kepha umthengisi obucayi futhi othembekile.

Mayelana nezeluleko zokugcina, kufanele kubhekelwe lokho dlulisa isikhwama semali kusuka komunye umthengisi kuya komunye a inqubo ebizayo Njengoba umthengisi ophumayo ezokukhokhisa iphesenti ngenani ngalinye olidlulisayo. Ngakho-ke akulula ukushintsha njalo ngezikhathi ezithile.

Ekugcineni, ngikutshele kancane ngesimo sami njengomuntu oyisibonelo. Njengamanje ngisebenza nabathengisi abalandelayo:

• I-BBVA yamasheya we-BBVA kuphela
• ISantander yamasheya kaSantander kuphela
• ING ngezenzo zikazwelonke lapho ngithenga khona okuncane. Kudala yayinenzuzo enkulu ngoba yayinezindleko zokuthenga zika-0,20% futhi yayingakhokhisi ngokugcinwa. Kepha lokhu sekuvele kushintshile futhi manje sekukhokhisela ukugcinwa komntwana uma ungenzi ukuhlinzwa njalo semester.
• IGVC Gaesco ngezenzo zikazwelonke nezamazwe omhlaba. I-broker engijabule ngayo impela ngoba, yize ibiza kakhulu kune-ING, inesikhulumi esisebenza kahle kakhulu.

Futhi wena ... usebenza nobuphi umthengisi?