Ubuchwepheshe obusha buvulele umnyango ukwandiswa kwezentengiselwano, kusukela namuhla yonke into iyenzeka kusuka ekhaya, kusukela ekusebenzeni kuze kuthengwe iphenti. Ngaphambi kwalokho, ukuhweba kwakenzelwe ochwepheshe bezezimali kuphela kanye nabaphethe imali; yingakho, izinga eliphakeme lemininingwane iningi labantu elinalo mayelana nezwe lemakethe yamasheya.
Kuyini ukuhweba online?
Ukuhweba okuku-inthanethi Kwenzeka lapho izinsimbi zezezimali ezibalwe ku-stock exchange zithengwa noma zithengiswa, ngeplatifomu umthengisi oyisazi azosinikeza yona. Uma kunjalo, ngeke sidinge ukuya amahhovisi esikhungo sezimali esiphakathi, ukuchofoza okumbalwa kuzokwanela ukuqala ukwenza ukuhweba online.
Wall Street, ENew York inomhlaba wonke wekhompyutha ongaphansi kwezakhiwo zawo ezimaphakathi. Imisebenzi ehunyushelwe ohlelweni kanambambili idlula ukuxhumeka kwe-inthanethi olwandle i-Atlantic. Lezi zintambo zasemanzini yimigwaqo emikhulu yolwazi. Lapho umhwebi enza imisebenzi esekhaya lakhe ezimakethe zamasheya zaseMelika, uzothola imininingwane ngesikhathi sangempela ngalezi zinhlelo ezihleliwe zeklabishi. Kuhlelo ukuhweba online ukubambezeleka kwesiginali esamukelwe akwamukelekile. Ngoba ngemizuzwana embalwa yokulibaziseka, zibalulekile lapho ama-oda amaningi efakwa emakethe ngasikhathi sinye.
Imali evela ekusebenzeni iyalwa ngesikhathi sokufika; ngenxa yalesi sizathu izindlu eziningi ze wabathengi Bafaka amakhompyutha abo enhlabathini engaphansi yendlunkulu ebaluleke kunazo zonke yamasheya emhlabeni ukuze ungaphuthelwa ngumzuzwana ekutholeni imininingwane ebuyekeziwe mayelana nokusebenza okwenziwayo. Isibonelo sendlela isivinini sezinzuzo zebanga ukuthi ukuthola imininingwane ngama-millisecond kungakushintsha ukungena kwezikhundla esikhwameni esikhulu sokutshala imali.
Yini edingekayo ukwenza ukuhweba?
Ngaphambi kokuthi kujwayele thenga noma uthengise amasheya emahhovisi asebhange mathupha, kubangela isiphithiphithi kubantu abaningi. Kamuva, abatshalizimali baqala ukukwenza ngocingo, kuze kube yiminyaka eyishumi edlule lapho i-intanethi yaqala ukuthandwa khona futhi manje imisebenzi eminingi yenziwa ngale ndlela.
Yini edingekayo ukuze ube abadayisi online kunezidingo ezine eziyisisekelo:
- -Ikhompyutha noma ilaptop
- -Ukuqasha izinsizakalo ze- broker ukuthi ufaka ipulatifomu ukuhweba, kanye nokusebenza kwakho ngesikhathi sangempela
- -Ube nenhlokodolobha yamahhala yama-euro angama-5.000 ngamasheya we ukuhweba
- -Uthola ulwazi lokuthi ungayisebenzisa kanjani ifayili le- ukuhweba.
Ngeshwa, abatshalizimali abaningi be-novice bayakukholelwa lokho imisebenzi ye ukuhweba zilula nokuthi kunethuba elingu-50% lokuthi izimpahla zizokhuphuka kanye no-50% ithuba lokuthi izimpahla zehle. Ngaphansi kuka-5% wabatshalizimali ngabanye bathola ngokungaguquguquki emakethe yamasheya futhi kuthatha isikhathi eside ukwakha abahwebi ochwepheshe abaphelele abenza umsebenzi wabo ngobunyoninco, noma ngabe into ebekeka engcupheni ihlale ifihlekile ngisho nangokuhle kakhulu abadayisi.
Umtshalizimali kufanele avule i-akhawunti demo uma ufuna ukubamba iqhaza kuyo izwe lokuhweba, le yi-akhawunti ebonakalayo eyenziwe ngemali yokudlala, esetshenziselwa ukuzwa izindlela zokutshala imali nokuthi ungahamba kanjani emakethe. Lesi sigaba sokuhlolwa kufanele senziwe izinyanga bese sizama ukutshala sengathi imali ibingokoqobo ukubheka ubungozi obufihlekile.
Kufanele ucabangele ifayela le- isici Okuyinhloko okubangela ukuthi ama-95% wabatshalizimali ngabanye ahluleke ekusebenzeni kwabo: isici sengqondo.
Ku imisebenzi ye ukuhweba imizwa efana: ukuhaha, ukuhaha, ukwesaba, ukungaqiniseki, injabulo, noma ithemba kufanele incishiswe noma icindezelwe, awukwazi ukuholwa yilezi ngoba zizofiphaza ukwahlulela kwakho futhi zikwenze uthathe izinqumo ngokuxhamazela. Indlela yokubanciphisa ukuze baphile ezimakethe zamasheya yile:
- Ukuba nendlela yokutshala imali: Sidinga ukuthuthukisa indlela yokutshala imali engenhloso, esazi ngayo ukuthi kufanele sithenge nini, sithengise nini nokuthi siyeke nini. Leyo ndlela idinga ukuhlolwa kaninginingi kumodi yedemo. Uma singenayo indlela eyenziwe kahle, sizogcina sesithenga ngenxa yemizwelo engazelelwe hhayi ngokuhlaziywa kwezimo. Indlela yayo kufanele ihambe ngokuya kwesikhathi lapho iboniswa khona: i-intraday, isikhathi esifushane, isikhathi esiphakathi noma eside. Isikhathi ngasinye umkhathizwe unezinzuzo nezinkinga zawo okufanele zihlolwe futhi zivivinywe esigabeni demo njalo lapho kudingeka.
- -Uhlala ubheka ubungozi: Ukubeka imikhawulo yokutshalwa kwezimali, ukwehlukanisa imali, njengoba besho laphaya, hhayi ukufaka wonke amawolintshi kubhasikidi ofanayo. Qala ukutshala imali ngengxenye encane kuphela yemali etholakalayo.
- Ungayisebenzisi amandla: Impumelelo yokuhweba ishukumise ukwakhiwa kwamapulatifomu ngemikhiqizo ethathwe kokunye, ngayo umtshali-zimali angathola imali eningi ngokutshala imali encane, esebenzisa lokho okubizwa ngokuthi yi-leverage effect. Akunasimo lapho umtshalizimali we-novice kufanele asebenzise noma okungenani angayisebenzisi kabi. Umtshalizimali we-novice ongayazi indlela ye- ukuhweba, cabanga njalo kuqala ngalokho ofuna ukuwina, lapho into yokuqala okufanele uyicabangele yilokho ongakulahla. Akufanele neze ubeke engcupheni ngaphezu kwe-2% yenani eliphelele lemali ukuze utshale imali ngokunyakaza okukodwa noma ukusebenza.
- Okuhlangenwe nakho: Ukuhweba kudinga ukufunda okungapheli, ukubekezela nokwenza emakethe yamasheya kuzothuthukisa ikhala ukuthenga nokuthengisa ngesikhathi futhi uthole okuningi ekusebenzeni kwakho kwezezimali.
Ingabe kunenzuzo ukungena ekuhwebeni?
Kunenzuzo uma siqoqa okudingekayo futhi senza okudingekayo, into yokuqala esiyidingayo ukutshala imali esitokisini siyazi ukuthi yimali. Ngaphandle kwemali enkulu ngeke sikwazi ngisho nokuqagela futhi ukuqagela kuyithuluzi lokusebenza elingcono kakhulu, ngakho into yokuqala okufanele siyenze ukuyivikela; ngoba ngokungabikho kwemali ngeke sikwazi ukutshala imali eningi.
Lapho unemali enkulu kusobala ukuthi kulula ukuphila ngayo izimakethe zamasheya, ngoba kuzodingeka kuphela ukuthola imali encane ukuthola izizumbulu zemali. Ngokusobala lokhu kuncike ekutheni iyiphi inhlokodolobha esiyibona idingekile ukuze siphile; Lolu wudaba lomuntu siqu, kepha ngaphezu kwakho konke kufanele ubhekane namaqiniso futhi ube nezinhloso ezingokoqobo. Ukuba nemali encane kuzosikhawulela ekuhlukaniseni kahle izimali.
Inkinga futhi isikhathi, njengoba sinemali encane, futhi sifuna ukuwina ngazo zonke izindlela, umtshali-zimali uvamise ukuthatha izingozi ezinkulu kakhulu ukuthi imali yakhe emvumela ukuba afune ukuthola imali ngokushesha, kuzoholela ekonakaleni ngokushesha. Kunendlela eyodwa enokwethenjelwa yokuwina futhi usinde ezimakethe zamasheya, Lokhu kwenza imali kancane kancane, ngenkathi ihlola njalo ubungozi obufihlekile. Isibonelo, uma ngine-euro eyizinkulungwane eziyishumi etholakalayo engizoyitshala, kungakuhle ukuthi umsebenzi ngamunye wenziwe, usebenzise uyayeka ukuthi uma kungasebenzi njengoba kuhlelwe, ukulahlekelwa kweqe ama-euro angama-200.
Akunasizathu sokujahela ukuba abahwebi, ngoba labo abagijimayo bavame ukuhlala kancane kakhulu emakethe yamasheya.
El ukuhweba online, ayikho enye into ngaphandle kokuthi ukutadisha njalo, ukuyala ngokuphelele nokuzikhandla ngokuphelele. Ama-95% wabatshalizimali ngawodwana ayahluleka emzamweni wabo wokuba ngongoti, inkinga ukuthi iningi lalaba bantu abangama-95% abenzanga mzamo wokufunda ukuthi izimakethe zamasheya zisebenza kanjani emhlabeni jikelele, futhi abakaze benze noma iyiphi indlela yokuhweba, yokuthenga. ngomuzwa noma ngomzwelo.
Okufanele kugwenywe ngazo zonke izindlela ukutshala ngemali esiyisebenzisela ukuthenga izidingo eziyisisekelo, ngoba uma le mali ilahleka, izowela esimweni inkinga yezezimali Yebo, uzobe esekushaye indiva okubaluleke kakhulu, impilo yakhe kanye neyomndeni wakhe mhlawumbe, ngakho-ke ama-akhawunti adingekayo kufanele enziwe ngendlela efanele ukuze sahlukanise imali ezokwabelwa izindleko zokuphila eziyisisekelo kanye nesabelomali samahhala. kwalokhu, utshala imali ngaphandle kokwesaba ukulahlekelwa yikho konke kutshalo-mali olubi, umphumela okwenzeka kaningi nabantu ababhejayo, lokhu akuyona into engahleliwe, kuwumkhuba oqhubekayo nolwazi ngemakethe.
Inganekwane ethandwa kakhulu ukucabanga lokho inhloso enkulu ye- ukuhweba uzama ukuqagela ukuthi kuzokwenzekani emakethe. I- abadayisi Kufanele uzame ukusizakala ngalokho okukunikezwa yimakethe okwamanje, ungazami ukukuqagela. Imakethe izohlala ilungile futhi ukuzama ukuphikisana nayo kuzoba yinto engenangqondo kakhulu.
Kubalulekile ukukucabangela lokho Los abahwebi bahlala njalo belahlekile. Ukulahlekelwa yimali kuyingxenye yaleli bhizinisi, kusukela lapho uqala ukungena kulo, lize lifinyelele ezingeni lobungcweti. Kufanele wazi ukuthi ungakuthatha kanjani lokhu kulahlekelwa uphinde uqhubeke yize kukhona. Ukuma kungukusindisa kwethu ngezikhathi zenhlekelele yezezimali. Akunakwenzeka ukuwina ngaso sonke isikhathi, kepha lokhu kufanele kube yisisekelo sakho sokuzama ukwenza izinyathelo ezifanele nezihlakaniphile ukuhlala ubonisana nezibalo ngaphandle kokwenza izinqumo ngokuxhamazela. Kukulo mqondo, lapho isipiliyoni sibaluleke kakhulu, ngoba eminyakeni yokuqala lapho imisebenzi yokuthenga nokuthengisa yenziwa khona, kunzima kakhulu ukubona ukuthi ukulahleka kokuma kweqa kanjani futhi ngemuva kwalokho impahla iguquka kancane kancane njengoba ibenza ekuqaleni Ukucabanga. Lokho kuholela kwabaningi abahwebi, ukuyeka ukusebenzisa izitobhi eziqanjwe igama, isinyathelo esizobaholela ekonakaleni ngoba bayisisekelo sempumelelo emakethe.