Ulawulo lwemali ekurhwebeni – izicwangciso kunye nemizekelo evela kwizenzo zokurhweba

Ukuze ufezekise impumelelo ekurhwebeni kunye notyalo-mali kwaye wenze inzuzo, uphuhlise kwaye uphucule kwiindlela zanamhlanje kunye neendlela zokufumana imali, kufuneka ukwazi ukuba yintoni ingcamango yokulawula imali. Abadlali abaninzi beemarike ze-novice abathatheli ingqalelo ukubaluleka kunye nexabiso lale nto, ngoko abanako ukukhetha ulwalathiso olusebenzayo ekurhwebeni. Eli gama libalulekile kuyo nayiphi na indawo ekhoyo yokurhweba kunye notyalo-mali, njengoko ikuvumela ukuba ukhethe i-algorithm efanelekileyo yezenzo.

Yintoni ulawulo lwemali kwaye kutheni kuyimfuneko kubaqalayo kunye nabarhwebi abaziqhelanisayo nabatyali-mali

Ingcamango yolawulo lwemali ekurhwebeni yenye yezona zinto ziphambili, ekucetyiswa ukuba zifundwe ngaphambi kokungena kokuqala kwifandesi. Isimo sengqondo esinenyameko nesicingayo kulo mbono siya kukuvumela ukuba uphephe ilahleko, unciphise imingcipheko kwaye ufunde ukuqaphela imiqondiso ngexesha elifanelekileyo, ngokubhekiselele kuyo kufuneka uvule / uvale izikhundla. Enyanisweni, ulawulo lwemali, njengolawulo lomngcipheko, kufuneka lufundwe ukuze kulawuleke ngokufanelekileyo iimali, ngaloo ndlela kwandisa inzuzo kunye nokunciphisa ilahleko.
Ingcamango inokuchazwa njengobugcisa bokulawula imali. Le yinkqubo ekhethekileyo evumela ukuba usebenze kunye nenkunzi yomntu ekhoyo. Ibandakanya inani lezixhobo, izinto ezahlukeneyo, ubuchule kunye neendlela ezijolise ekugcinweni nasekuphindaphindeni imali etyaliweyo. Igama eliphantsi koqwalaselo lilongezelelekileyo liqulethe isethi yemithetho kunye nobuchule obujoliswe ekunciphiseni kwangaxeshanye imingcipheko ngokuhambelana nokwandisa amathuba okwenza inzuzo. Abaqalayo ekurhwebeni kwiimeko ezininzi bakholelwa ukuba kwimeko yokuqaliswa kolawulo lwemali, kuya kufuneka bachithe ixesha elininzi kwizibalo zokubala. Apha kufuneka uqonde ukuba ukubalwa kwe-accounting kuya konyusa ingeniso kwiziphumo zengeniso ekhawulezileyo. Kwaye abatyali-mali baya kuba nakho ukunciphisa isalathisi somngcipheko,

Kufuneka kukhunjulwe ukuba inzuzo ekhawulezileyo yinto eyongezelelweyo yomvuzo. Kodwa, ukuba ikhethwe njengomzekelo oyintloko, ngoko kwi-90% yamatyala umdlali uya kuphumelela. Yiyo loo nto kubalulekile ukucinga ngendlela yokulawula inkunzi yobuqu ekhoyo ngenzuzo enkulu.

Imithetho ekhoyo yolawulo lwemali ithetha inani lemigaqo kunye neenkqubo zokusasazwa kweemali ezijoliswe kutyalo-mali. Injongo yale ngcamango kukunciphisa imingcipheko yokulahlekelwa yonke imali eyimali ekhoyo kumthengisi. Kungoko kuvela ukuba ulawulo lwemali luseti yamanyathelo okulawula imali. Ibandakanya ukusetyenziswa ngobuchule kwezixhobo kunye nezicwangciso zokugcina nokukhulisa ii-asethi ezityaliwe. Kwakhona, ezi zizicwangciso zemali ezinceda umntu ukuba angalahlekelwa yimali esele ityalwe kwintengiso. Ikhaltyhuleyitha yolawulo lwemali ye-Forex yeMT4: https://youtu.be/J8ill0oHneQ Olu hlobo lolawulo luyafuneka ukuze kuphunyezwe ukunyuka okugudileyo kutyalo-mali, ngaphandle kokutsala okubukhali, imingcipheko engalindelekanga kunye nelahleko engafanelekanga. Ulwalathiso olukhethiweyo lomsebenzi luya kuvumela ukunika isiqinisekiso kumthengisi, ukuba uthengiselwano oluyimpumelelo luya kuvela kwaye lwenziwe. Imisebenzi eyenza ilahleko iya kuncitshiswa. Ulawulo lwemali kufuneka lufundwe ukuze ufunde ukucwangcisa ulawulo lwempahla. Ukuya kuthi ga kwi-90% yabarhwebi basebenzela ukwandisa inkunzi kwixesha elide. Apha kufuneka kuthathelwe ingqalelo ukuba ixesha elide umrhwebi ethengisa ngaphandle kwenkqubo, iphezulu ingozi yokulahlekelwa yimali. Kwangaxeshanye, ungahamba kakubi nangemini enye yokurhweba. Ulawulo lwemali luya kukuvumela ukuba uqonde indlela yokujongana nelahleko kunye nendlela yokunganyusi kwixesha elizayo. Le yeyona njongo yolawulo lwemali. ukuba ixesha elide umrhwebi ethengisa ngaphandle kwenkqubo, iphezulu ingozi yokulahlekelwa yimali. Kwangaxeshanye, ungahamba kakubi nangemini enye yokurhweba. Ulawulo lwemali luya kukuvumela ukuba uqonde indlela yokujongana nelahleko kunye nendlela yokunganyusi kwixesha elizayo. Le yeyona njongo yolawulo lwemali. ukuba ixesha elide umrhwebi ethengisa ngaphandle kwenkqubo, iphezulu ingozi yokulahlekelwa yimali. Kwangaxeshanye, ungahamba kakubi nangemini enye yokurhweba. Ulawulo lwemali luya kukuvumela ukuba uqonde indlela yokujongana nelahleko kunye nendlela yokunganyusi kwixesha elizayo. Le yeyona njongo yolawulo lwemali.

Imithetho yolawulo lwemali

Xa ufunda ukulawula imali, kufuneka ufunde ngokucophelela imithetho kwaye uqonde imiphumo yokuphulwa kwayo. Eyokuqala, elula kwaye kulula ukuyiqonda ingundoqo yemithetho ye-MM yaphuhliswa ekuqaleni kwekhulu lama-20. Besele bevumele ukurhweba ngenzuzo. Umongo wale migaqo:

1. Akuvumelekanga ukutyala yonke inkunzi ekhoyo ngexesha elinye kwintengiselwano enye.
2. Kucetyiswa ukuba uvule izivumelwano ezininzi ngexesha elinye, okanye usebenzise iimali kwizikhundla eziqhelekileyo.
3. Kungcono ukutyalomali kwintengiselwano enye akukho ngaphezu kwe-5-10% yemali ekhoyo. Emva koko kuya kuba lula ukuphepha uxinzelelo xa kwenzeka ilahleko.
4. Kunokwenzeka ukunika inzuzo enokwenzeka ithuba lokufikelela ubuninzi bayo. Oku kuya kunceda ukuba ikhule ngaphakathi kwiseshoni enye yokurhweba.
5. Kufuneka uphume kwi-cache ngexesha. Oku kuthetha ukuba kufuneka kudluliselwe inzuzo efunyenweyo ngqo kwimali. Kucetyiswa ukuba ubuncinci isiqingatha semali eyinkunzi efumanekayo ngexesha elithile sitshintshwe sibe yimali. Oku kufuneka kwenziwe ngayo yonke imali efunyenwe kuyo nayiphi na intengiselwano enkulu okanye ebalulekileyo.

Umrhwebi kufuneka aqonde ngokucacileyo ukuba uceba ukuyifumana kangakanani ngosuku kwaye akwazi ukuphuma kwi-cache ngexesha kwaye angaqhubeki ngokurhweba kwiseshoni yokurhweba[/ umbhalo]

Kusebenza omnye umgaqo apha – umdlali ngamnye kufuneka azibekele umda wakhe ngokuzimeleyo.

Imithetho yangoku iphinda ibhekisele kwinto yokuba nawuphi na umtyali-mali usebenzisa inkunzi yakhe njengesixhobo sokusebenza. Ulawulo lwemali olufanelekileyo lubalulekile ekurhwebeni, njengoko kukuvumela ukuba uhlale ukwindawo yokuwina. Ukophulwa kolawulo lwemali lubandakanya iziphumo ezibi. Abaqalayo kule ndlela bahlala belibala ukuba kuyingozi ukubeka umngcipheko kwiimali ezinkulu, njengoko kunokubakho ilahleko enkulu yemali. Kubo, kucetyiswa ukuba bangasebenzisi ngaphezulu kwe-5% yemali epheleleyo abanayo kwintengiselwano. Kuyimfuneko ukuba ufunde ngokucophelela ingcamango enjalo njengediphozithi yomthengisi, ekubeni isalathisi esisiphumo sixhomekeke ngokuthe ngqo kwinto eya kuba yilahleko xa kwenzeka ukuthengiselana okungaphumelelanga. Ngako oko, ukuba uthatha ngaphezu kwe-5% yemali, ilahleko iya kuba yinto ebalulekileyo kumntu oqalayo.
Ithuba lokuphulwa kwemithetho ekhoyo ivunyelwe, kodwa kuphela ukuba umntu sele sele eyingcali. Emva koko uthatha umngcipheko, ukuqonda kunye nokuvavanya yonke imiphumo enokwenzeka. Usele ezimisele ngokwakhe ukuba uya kuba yintoni umda ophezulu, ekungenakwenzeka ukuba uwele kuwo. Kukho omnye umgaqo obonisa ukuba unokufunda ukuthobela izithintelo kunye neengcebiso kuphela emva kokuba ilahleko yokuqala yenziwe. Kungenxa yoko le nto kubaluleke kakhulu ukuba ungavavanyi amandla akho kunye nobuchule bakho, ukukholelwa kubo, kodwa nokulandela imigaqo emiselweyo elandelwe malunga neminyaka eyi-100 ngabo bonke abarhwebi abaphumeleleyo. Umzekelo wovavanyo lolawulo lwemali kurhwebo lwe-Forex: https://youtu.be/dzAyp0pG4ic

Izicwangciso ezithile zolawulo lwemali ezinokuthi zisetyenziswe

Kuyaziwa ukuba kulawulo lwemali kunye nokulawulwa komngcipheko ekurhwebeni, izicwangciso zabo ziye zaphuhliswa. Ukuba uphonononga izibalo, unokubona ukuba abaqalayo kwiimeko ezininzi bakhetha isicwangciso somndilili. Ibandakanya ukunyusa umlinganiselo wezabelo eziphethwe ngumrhwebi njengoko ixabiso labo lisihla. Isicwangciso siyamangalisa kuba sinciphisa ixabiso lokuthenga eliphakathi. Kwakhona, indlela efanayo ikhethwa ngabo batyalo-mali abasebenzisa uhlalutyo olusisiseko ngexesha lokurhweba.
. Ubalo kunye nohlalutyo lusekwe ekuqondeni ukuba ukuxatyiswa kwe-asethi kufuneka kujongelwe phantsi ngokumalunga nokulindelweyo. Kule meko, ukucuthwa kwexabiso ngalinye elilandelayo kwandisa ukulinganiselwa. Ngenxa yoko, kukho ukwanda komtsalane we-asethi kutyalo-mali olulandelayo. Apha kufuneka sithathele ingqalelo ukuba kukho ukuphikisana nomgaqo osisiseko wokunciphisa ilahleko.
Xa ukhetha isicwangciso esinjalo, kufuneka kuthathelwe ingqalelo ukuba i-avareji yexabiso, ukuba imveliso ayinanzuzo, ngokukhawuleza itsala inani elikhulu labaxhasi. Oku kwandisa ukhuphiswano kwicandelo elikhethiweyo. Ukungalungi okuphambili kule meko kukukwazi ukushiywa ngaphandle kwenkunzi ngexesha apho amaxabiso esitokhwe aqhubeka nokuwa. Olunye uphawu – isicwangciso somndilili kwiimarike zexesha elizayo yindlela elula yokusetha kwakhona i-akhawunti, njengoko ifuna ukongeza rhoqo imali kwi-akhawunti. https://articles.opexflow.com/trading-training/risk-management.htm Isicwangciso esicetyiswayo kukulungiswa kweendleko. Ukuba indlela efanayo yokulawula imali ikhethiweyo, ngoko isiseko sokurhweba sijolise ekunciphiseni izikhombisi zexabiso eliphakathi. Indlela yeendleko ezisisigxina ibandakanya ukuthengwa kwezabelo ngokucwangcisiweyo. Oku kufuneka kwenziwe ngamaxesha athile. Imali nayo kufuneka ilungiswe. Inzuzo yesicwangciso kukuba xa ixabiso lempahla liphezulu, kuya kuba nokuthengwa okuncinci, kodwa emva kokuhla, amaxabiso okuthenga aya kwanda. Ngoko unokunciphisa umngcipheko welahleko kwaye uzuze kumahluko kwiindleko.

Umzekelo osebenzayo

Ukuze uqonde ngcono ukuba yintoni ulawulo lwemali ekurhwebeni, kufuneka unike imizekelo kwaye ubale imingcipheko. Oku kuya kukunceda uphuhlise isicwangciso sokurhweba esinenzuzo.

Ubalo lomngcipheko

Ukusebenzisa ulawulo lwemali kunye nokulawulwa komngcipheko, kufuneka kuthathelwe ingqalelo ukuba kwi-90% yamatyala izibonakaliso zengozi kwintengiso nganye ziya kuba kuluhlu lwe-1-15%. Iimpawu zibalwa ngokusekelwe kwidiphozithi yomthengisi. Ngokuqhelekileyo, izikhombisi kufuneka zingene kwi-1-2%. Umngcipheko we-3-5% uya kuba ngophakathi. Izinga eliphezulu li-7-15%. Ukuba kukho idiphozithi ye-ruble ye-100,000, ngoko izinga elivumelekileyo lokunciphisa alikho ngaphezu kwama-ruble angama-5,000 ngokhuseleko. Xa kwenzeka ukuhla kwediphozithi ukuya kuma-ruble angama-80,000, i-drawdown akufanele ibe ngaphezu kwama-ruble angama-4,000. Ngexesha elifanayo, inzuzo / ingozi kufuneka ibe ubuncinane ubuncinane be-1.5. Kungcono xa kukhulu kune-3. Ngokomzekelo, umngcipheko wokulahlekelwa kwe-5% (i-5,000 ruble) utyalwe kwi-transaction, idiphozithi yi-ruble ye-100,000. Isivuno esilindelekileyo ukusuka apha kufuneka sibekwe kwinqanaba ubuncinane be-ruble ye-7,500.

Iingcebiso

Iingcebiso ezongezelelweyo:

• Kufuneka ngokukhawuleza usete ixabiso eliphezulu lelahleko ngokorhwebo.
• Akukho mfuneko yokuvula izikhundla ezinkulu.
• Kuyimfuneko ukwahlula ipotifoliyo yotyalo-mali , kuthathelwa ingqalelo umlinganiselo wezikhundla.
• Iimvakalelo azifanele ziphembelele izigqibo ezenziwayo.
• Ukungabikho kwezikhundla ezivulekileyo kukuvumela ukuba ugweme ilahleko.
• Kubalulekile ukukwazi ukuphuma kwizikhundla – kufuneka ubeke ingqalelo kwimisebenzi yentengiso.
• Lindela urhwebo lokwenyani olunenzuzo ephezulu.
• Ngexesha lokungazinzi , kufuneka uthengise kancinci.

Enye yeengcebiso eziphambili kukulungiselela isicwangciso sokurhweba kwangaphambili, ukuzoba iimeko ezintle nezimbi.