Wolingalira motsutsana ndi wogulitsa ndalama wololera, kapena wochita malonda amasiyana bwanji ndi Investor wanthawi yayitali? Wophunzira watsopano mumsika wogulitsa akukumana ndi ndalama komanso njira zongoganizira. Kusiyanitsa pakati pawo sikukuwonekera, zomwe zimapangitsa kuti ziwoneke kuti mukhoza kudumpha phunziro la nkhaniyo, yomwe ndi kulakwitsa kwakukulu. Izi ndizo maziko a msika wogulitsa zomwe muyenera kuzimvetsa kuti mupewe mafunso atsopano, zolakwa zazikulu ndi kutaya ndalama. Ndiye pali kusiyana kotani pakati pa malonda ndi kuyika ndalama – tiyeni tiyambe ndi zoyambira.
Njira yongoyerekeza ya wamalonda
Njira yongoganizirayi imagwiritsidwa ntchito ndi amalonda omwe amapanga ndalama pakusintha kwa msika kwa nthawi yochepa, atawona momwe zinthu zilili bwino, amapanga mgwirizano womwe umakhalapo kuyambira masekondi angapo mpaka chaka chimodzi. Wogulitsa yemwe amalowa muzochita zachiwiri amagwiritsa ntchito njira ya scalping, amadula kwenikweni phindu laling’ono pamagulu akuluakulu a katunduyo. Munthu wochita malonda ola limodzi amatchedwa wochita malonda a intraday, samasamutsa zochitika tsiku lotsatira. Kusinthana ndi masiku angapo kumatchedwa swing trading, kugulitsa koteroko kumatha kuyimitsidwa kwa miyezi, koma mpaka chaka chimodzi.
Ziyenera kukumbukiridwa kuti asanachite malonda onse ndi manja ake ndipo ndithudi ntchitoyi inkaonedwa ngati yotopetsa kwambiri. Tsopano zinthu zikusintha, chifukwa malonda amanja akusinthidwa ndikugulitsa makina –
malonda a algorithmic. Izi ndizochitika pamene malonda pa malonda a malonda amapangidwa ndi maloboti, koma munthu amayamba kupanga njira yake yogulitsa malonda, malinga ndi zomwe adzalembera mlangizi wamalonda.
Pali chinthu chaumunthu pano, koma makina otere amapulumutsa nthawi yamalonda. Ziwerengerozo ndizodabwitsa: pa New York Stock Exchange, pafupifupi 95 peresenti ya zochitika zonse zongopeka zimapangidwa ndi ma robot, ndiko kuti, masiku ano malonda ndi nkhondo ya robot. Choyamba, malonda amatanthauza kugulitsa pamsika wamtsogolo, ndiko kuti, pamsika wa forts. Izi zikhoza kukhala msika wochokera ku Moscow Exchange, kumene tsogolo ndi zosankha zimagulitsidwa, kapena msika wakunja. Kuphatikiza apo, malonda amaphatikiza ntchito pamsika wa forex. Pali makampani achinyengo pano, pali makampani omwe ali ndi chilolezo kuchokera ku Bank of Russia kapena zilolezo zakunja. Makampani awa ndiabwinoko pang’ono, koma ngakhale ali ndi ziwerengero zomvetsa chisoni za amalonda omwe ali kutali. Izi ndichifukwa chakutsatsa kopanda chilungamo ndikukopa anthu kuti azichita malonda omwe amafunikira kuyika ndalama m’malingaliro.
Kupereka ndalama zamtsogolo
Kuyika ndalama ndizosiyana kwambiri ndi malonda. Ngati wogulitsa amapeza chifukwa cha kusinthasintha kwakanthawi kochepa, ndiye kuti osunga ndalama samalabadira kusinthasintha uku. Cholinga chawo ndi masomphenya a dziko lonse komanso masomphenya a nthawi yaitali. Zilibe kanthu kwa wogulitsa ndalama ngati mtengo wagawo watsika ndi 20 peresenti lero kapena ukukwera ndi 30 peresenti mawa.
Ngati wochita malonda amadalira kuthekera kwa masamu, ndiye kuti ntchito ya wogulitsa ndalama ndi kusonkhanitsa bwino ndikusanthula zambiri ndikupanga chisankho choyenera kwa nthawi yayitali.
Momwe amalonda amasankhira zambiri: akamasankha katundu wogula, amayang’ana m’dziko lomwe katunduyu amagulitsidwa, ndi nyengo yanji yogulitsira kumeneko, ndale, chikhalidwe chachuma, ndiye amasankha malonda omwe akufuna kugula katundu, amayang’ana momwe zimayembekezereka, kaya zikuchepa, pali ndalama ndi kuthekera kwachitukuko kumeneko. Pokhapokha amasankha kampani inayake, kusanthula momwe bizinesi yake ikuyendera, ganizirani zizindikiro zachuma, mawu, ma ratios, yesetsani kumvetsetsa momwe zolemba zamagulu a gawo zimayenderana ndi mtengo wake weniweni. Otsatsa akuyesera kusankha makampani otsika mtengo, otsika mtengo ndikuyembekeza kuti tsopano msika sunamvetsetse kufunika kwa kampaniyi, koma pakapita nthawi, zolemba zidzauka. Lingaliro la wogulitsa ndalama ndikuti ngati bizinesi ili yabwino, ikugwira ntchito, ikulonjeza, ndiye posakhalitsa zolemba za kampaniyo zidzafika, ndipo wogulitsa ndalama amadziwa kudikirira. Popanga zisankho, osunga ndalama amatsogozedwa ndi kusanthula kofunikira, koma kusanthula kwaukadaulo sikwachilendo kwa iwo. Wogulitsa ndalama amayang’ana tchati kuti asankhe malo oyenera olowera.
Kusanthula kofunikira ndizovuta kwambiri, koma masiku ano zakhala zosavuta chifukwa cha kupita patsogolo kwaukadaulo. Tsopano palibe chifukwa chojambulira mizere ndi zizindikiro nokha. Pakuwunika kofunikira, sikofunikira konse kuwerengera ma coefficients onse mwaokha – pali mapulogalamu apadera, ofuula omwe amapangitsa kuti zikhale zosavuta kwa wogulitsa ndalama kusankha chida chogulitsira.
Ubwino woyikapo ndalama ndi wotani?
Mfundo yakuti, choyamba, iyi ndi nthawi yopulumutsa kwambiri poyerekeza ndi malonda – ndipo ndalama sizingakhale ntchito yaikulu, koma zosangalatsa zina mu nthawi yanu yopuma. Ndalamazo zimakhalanso ndi zovuta: choyamba, ndalamazo zimasungidwa kwa nthawi yaitali, likulu silili la mafoni. Kuyika ndalama ndi ntchito yovuta kwambiri. Simuyenera kusiya nthawi kuti muwonjezere chidziwitso chanu, muyenera kudikirira nthawi yayitali ndikutha kupulumuka kugwa kwa msika ndikugwa kwa ndalama zanu. Simuyeneranso kuyima pakampani imodzi, koma kuti mupange mbiri yathunthu yomwe ingakwaniritse zosowa ndi zosowa zanu.
Investments vs malonda – kusiyana pakati pa Investor ndi wogulitsa kumawonekera
Investor | Wolingalira – wogulitsa |
Kusankha katundu, amagwiritsa ntchito kusanthula kofunikira, komanso kusanthula kwaukadaulo. | Amagwiritsa ntchito kusanthula kwaukadaulo posankha katundu, nthawi zina kuwonjezera pazofunikira. |
Kuti mupeze ndalama zabwino, mumathera maola angapo patsiku | Kuti apindule, amathera tsiku lonse logwira ntchito |
Nthawi yazachuma kuyambira chaka chimodzi | Wogulitsa amachita malonda kuchokera masekondi angapo mpaka chaka chimodzi |
Phindu mu kuchuluka kwa 8-15% pachaka kuchokera ku gawo loyambirira limawonedwa ngati zotsatira zabwino | Phindu ndi losakhazikika, zotayika komanso kuwonongeka kwathunthu kumachitika. Koma ndi malonda abwino, wogulitsa amalandira 40-100% pachaka kuchokera ku deposit yoyamba. |
Nkhaniyi ikuwonetsa mfundo zodziwika bwino za ntchito imodzi, koma ndi njira zosiyanasiyana. Wochita malonda ndi wogulitsa ndalama ali bwino, aliyense amatsata cholinga chake. Onse awiri ayenera kuphunzira ndikudzikonza okha kuti malonda aliwonse ndi kusanthula kulikonse kubale zipatso. Mapindu a Investor ndi amalonda amasiyana, chifukwa cha nthawi yawo. Tikhoza kunena kuti phindu labwino la wogulitsa ndi 30%, koma izi siziri choncho, izi ndi ndalama zabwino, ndipo zili pamwamba pa msika. Ngati wogulitsa sanataye, ndiye kuti wapeza kale, monga amanenera m’magulu a akatswiri.Wogulitsa ndalama ndi wodzichepetsa kwambiri ndipo amayembekeza kulandira 10-15% pachaka ndipo ambiri adzakhutira. [id id mawu = “attach_1177” align = “aligncenter” wide = “702”]