Ukulawulwa komngcipheko ekurhwebeni kwabaqalayo – indlela yokuzoba iskimu sokusebenza?

Ukulawulwa komngcipheko ekurhwebeni – yintoni na, imithetho esisiseko kunye neengcebiso zabaqalayo kwimali kunye nokulawulwa komngcipheko. Ulawulo lomngcipheko luseti yemithetho yolawulo lwemali ekuvumela ukuba ukwandise inzuzo kwaye ugcine idiphozithi yakho kuthotho lweentengiselwano ezingaphumelelanga. Imithetho yolawulo lomngcipheko inxulumene nobungakanani besikhundla, ukuvala izikhundla ezilahlekileyo kunye nokuthatha inzuzo. Iingcamango zakudala zolawulo lomngcipheko zirhweba ngomlinganiselo we-1 ukuya kwi-3, ukuphuma kwindawo phambi kweendaba, kunye nokufakwa okunyanzelekileyo komyalelo wokumisa. Abaninzi abaqalayo abalandela ngokuyimfama le mithetho balindele ilahleko kunye nokulahlekelwa kwediphozithi yonke okanye uninzi lwayo. Ngokwenene, kubalulekile ukukwazi ukulawula ingozi, oku kukwahlula umthengisi kumdlali wekhasino.
Umngcipheko kunye nolawulo lwenkunzi ekurhwebeni [/ caption] Ubugcisa kukuba ngenxa yolawulo olufanelekileyo lomngcipheko, umrhwebi unenzuzo ekupheleni konyaka, nokuba uninzi lwezibikezelo zakhe zazingalunganga. Ukuqulunqa ulawulo lwemali olufanelekileyo, kuyimfuneko ukuqonda izizathu kunye nemiphumo yokuphulwa komthetho ngamnye. Ulawulo lomngcipheko luxhomekeke kwisicwangciso nakwinjongo ezibekiweyo. Ukudala inkqubo yokulawula imali esebenzayo, kufuneka wenze isicwangciso sokurhweba kwaye uyibuyisele umva. Isicwangciso ngasinye sokurhweba sifuna ulawulo lwalo lomngcipheko. Kucetyiswa ukunciphisa umngcipheko – akukho ngaphezu kwe-0.5-2% yediphozithi. Kodwa kuthekani ukuba akukakulungeli ukunyamezela ilahleko? Kwaye ke uthengisa isitokhwe esinomtsalane, apho umngcipheko wokukhutshwa umncinci. Xa kwenzeka imeko engathandekiyo, bakulungele ukulahlekelwa ixesha, kodwa kungekhona imali. Umzekelo,
Sibona ukunyuka okuqinileyo, izilungiso zincinci kwaye zihlangulwe ngokukhawuleza. I-Sberbank iyona bhanki enkulu kwi-Russian Federation, i-51% yezabelo zilawulwa ngurhulumente, izabelo zihlawulwa ubuncinane i-50% yenzuzo eseleyo. Ngokusekelwe kule nto, umrhwebi ugqiba ukuba izicatshulwa ziya kukhula. Ukuba ixabiso liyaqhubeka nokuwa emva kokuthenga, akudingeki ukuba ulungise ilahleko ye-0.5-2%, kodwa kufuneka ulinde ukucaphuna kwakhona. Umthamo wesikhundla kufuneka ubalwe ngendlela yokuba ukuwa kwe-20-50% akukhokelela ekulahlekelweni kweakhawunti. Umrhwebi ulungele ukulahlekelwa yi-akhawunti, kodwa ucinga ukuba umngcipheko onjalo uncinci, umzekelo, yintlekele yehlabathi jikelele okanye imfazwe. Ukulawulwa komngcipheko kuxhomekeke kwinjongo yokurhweba. Xa uthengisa ngononophelo kwi-akhawunti kunye
nomthengisiyonke inkunzi yokurhweba ikhona, ukuzaliswa akwenziwanga okanye akunamsebenzi. I-capital idla ngokufikelela kwisixa esibalulekileyo, ngaphezu kwe-2-5 yomvuzo wonyaka womtyali-mali. Injongo kukugcina kunye nokwandisa idiphozithi ngaphandle komngcipheko wokulahlekelwa ngaphezu kwe-30% yediphozithi. Kurhwebo olunobundlongondlongo, umthengisi unenxalenye encinci yediphozithi kwi-akhawunti, engagqithisi kwimivuzo yemihla ngemihla. Injongo kukufumana ubuncinane i-500-1000%. Makhe sicinge umngcipheko wokuphulukana nediphozithi.

urhwebo olugcinayo

Ngokuqinisekileyo yonke imigaqo yolawulo lomngcipheko we-classical iyasebenza kurhwebo olulondolozayo – ukurhweba ngediphozithi enkulu, ilahleko, nangona ingekho yintlekele, kodwa ichaphazela kakhulu imeko yomtyali-mali. Imithetho yolawulo lomngcipheko ijolise ekungaphulukani nemali eyinkunzi naphantsi kweemeko zemarike ezimandundu. Izibalo ezilula zibonisa ukuba nge-2% ingozi yorhwebo nganye, kuthatha i-119 urhwebo olulandelelanayo ukwenza ilahleko ye-100%. Ukuba umrhwebi unesicwangciso esiqinisekisiweyo, akangeni kwiintengiselwano ngokungaqhelekanga, ukuqala koluhlu olunjalo lwentengiselwano akunakwenzeka. Kwaye i-2% yinqanaba eliphezulu lomngcipheko. Ukuba une-capital enkulu kunye ne-2% yimali enkulu kwi-ruble, ukunciphisa umthwalo wengqondo, unokunciphisa umngcipheko kwi-0.2-0.5%. Emva koko ufuna uthotho olude ngakumbi lokuphulukana norhwebo.

Umngcipheko-umvuzo ratio

Kunzima ukuqikelela ngokuchanekileyo indlela yokuziphatha kwemarike, exhomekeke kwizinto ezininzi. Abarhwebi abaninzi abaqeqeshiweyo banomlinganiselo wokuphumelela-kwilahleko ongaphantsi kwama-50%. Kwangaxeshanye, bahlala berhola. Imfihlelo yempumelelo kumlinganiselo phakathi korhwebo olulahlekileyo kunye nenzuzo. Intetho eyaziwayo ethi “vumela iingeniso zihambe kwaye zinciphise ilahleko” malunga noku. Umzekelo ongezantsi ubonisa ukuba ngomlinganiselo womngcipheko we-1 ukuya kwi-3, umrhwebi angenza i-50% yokulahlekelwa kwezorhwebo ngexesha kwaye usenenzuzo. Ukuphakama komlinganiselo, ngakumbi umrhwebi unokukwazi ukungalunganga. Ukuba, ngokwezibalo, wenza ngaphantsi kwe-60% yorhwebo olunenzuzo, kwaye umngcipheko womvuzo ungaphantsi kwe-1 ukuya kwi-1, ngoko ukulahlekelwa kwenkunzi yinto yexesha.
Kukholelwa ukuba umlinganiselo kufuneka ube ubuncinane kwi-1 ukuya kwi-2 ngenxa yokuba isabelo sentengiselwano enenzuzo sinqabile ngaphezu kwe-50%. Konke kuxhomekeke kwisicwangciso kunye namaxabiso eeparamitha – inani leentengiso ezinenzuzo kunye nomngcipheko womvuzo. Ngaphambi kokurhweba kwi-akhawunti yangempela, kuyimfuneko ukuhlalutya idatha yembali. Kwenzeka ukuba ngomlinganiselo we-1 ukuya kwe-1, inani leentengiselwano ezinenzuzo lingaphezulu kwe-85%, kunye nomlinganiselo we-1 ukuya kwe-3, ngaphantsi kwe-30%. Kule meko, umgaqo-inzuzo kufuneka ibe ngamaxesha angama-3 amakhulu kunokulahlekelwa, kukhokelela ekukhutshweni kwediphozithi.

Ukuphuma kurhwebo olulahlekileyo

ukuyeka umyalelo

Ulawulo lomngcipheko luseta imigaqo yokuphuma kurhwebo olulahlekileyo. Eyona ndlela ikhuselekileyo kukuseta i-stop order xa ufikelela kwinqanaba elimiselweyo. Ngokomzekelo, umrhwebi wenza i-forecast malunga nokuphela kokulungiswa kunye nokuqaliswa kwe-uptrend. Ivula urhwebo lokuthenga kwindawo ye-3 kwaye ilindele ubuncinci imbuyekezo kubuninzi bembali. Umlinganiselo womngcipheko kwinzuzo ngu-1 ukuya ku-5. Kwimeko yephutha, umrhwebi ubeka umyalelo wokumisa kwinqanaba le-1. Ukuqala kwayo kuthetha ukuba i-forecast inephutha kwaye mhlawumbi ukulungiswa kwexabiso akukagqitywa. Ukumisela umyalelo wokumisa kunceda umrhwebi aphephe ilahleko enkulu. Ukuthengiselana kuya kuvalwa ngaphandle kokuthatha inxaxheba komthengisi, akadingi ukuba nexhala kwaye ajonge itshathi rhoqo ngeyure.

Ukuvala isivumelwano “ngesandla”

Kulo mzekelo ungentla, umyalelo wokumisa wawufanelekile, ubeka umrhwebi kwilahleko enkulu. Oku akusoloko kunjalo, ngakumbi xa kuthengiswa i-cryptocurrencies, apho ukucudisa kunye nokukhwabanisa kuqhelekileyo. Umrhwebi ubeka ilahleko yokuyeka, uthatha ilahleko, kwaye iyure kamva ixabiso libuyisela kwaye lithinte inqanaba apho kuthathwe inzuzo. Ke ngoko, abarhwebi abaninzi bakhetha ukumisela umyalelo wokumisa, kodwa ukubeka isaziso sokutyhala. Umyalezo uya kuthunyelwa kwifowuni ephathwayo xa ixabiso lichukumisa inqanaba lexabiso apho ukuyeka kufuneka kube khona. Emva koko, umrhwebi kufuneka anqume ukuvala urhwebo olulahlekileyo okanye intshukumo yangoku – ukukhwabanisa. Kunconywa ukuba ulinde iyure okanye iiyure ze-4 ukuvala, ukuba ixabiso alitshintshi ulwalathiso, ngoko kungcono ukuvala isikhundla kwaye uthathe ilahleko. Ingozi ephambili kule meko ayikwamkeli ukulahlekelwa kwimeko yokulahlekelwa ngokucacileyo. Enye impazamo enjalo ingaba yintlekele kwi-akhawunti yokurhweba. Akukhathaliseki ukuba zingaphi iintengiso ezinengeniso ezivaliweyo ngaphambili. Ngoko ke, le ndlela ifaneleke ngakumbi kubathengisi abanamava abakwaziyo ukujamelana neemvakalelo kunye nokuqonda iindleko zokuphulwa kwemithetho yokulawula imali. Ingozi yokuphuma okunjalo ukusuka kwindawo yokulahlekelwa ingaba phezulu kunokuba ibalwe, ngoko kungcono ukunciphisa umthamo ngamaxesha angama-2-3.

Ukurhweba ndlongondlongo – stop yi-akhawunti yonke

Imithetho yeklasi yokulawula umngcipheko ichaza ukuba yonke inkunzi yokurhweba yomthengisi ikwi-akhawunti ye-broker kwaye ilahleko yayo iya kulimaza impilo-mali. Kwimeko enjalo, ukuphulwa kwemithetho yokulawula ingozi kunye nokubeka umngcipheko ngaphezu kwe-10% ye-akhawunti kwintengiselwano enye kufana nokulahlekelwa idiphozithi. Ukuba akunjalo namhlanje, ngoko kusasa uluhlu olulahlekileyo lwezorhwebo luya kuza, oluya kubulala i-akhawunti. Kwakhona, umvuzo womngcipheko weklasikhi awuthatheli ingqalelo kwi-psychology yomthengisi. Kwithiyori, imigaqo isebenza kakuhle, kodwa ekusebenzeni, emva koluhlu lokulahlekelwa kwezorhwebo kwi-tilt, umrhwebi uphula imithetho yakhe. Ingena kwiimarike ngaphandle komqondiso, ithatha amaqashiso amakhulu kakhulu, isusa imiyalelo yokuyeka kwaye yongeza ivolumu endaweni yokuvala ilahleko. Ngokuxhomekeke kulawulo lomngcipheko lwakudala, ukuze uhlale urhola i-1,000 yeedola ngenyanga, udinga idiphozithi ye-10,000 yeedola. Akulula ukuba umntu onomvuzo oqhelekileyo aqokelele isixa esinjalo, kuya kuthatha iminyaka eyi-1-3. Kwaye konke oku kunokugqithwa ngempazamo enye ebangelwa yisayikholoji.
Ngorhwebo olulondolozayo kwintengiselwano nganye, umngcipheko ngu-0.5-2%, okanye kunye nediphozithi ye-10,000 yeedola – $ 50-200. Intsalela yemali ikwi-akhawunti engasebenziyo. Kwaye kukho umngcipheko wokusebenzisa imiqulu emikhulu kakhulu kwiintengiselwano, ngenxa yokuba kukho imali kuyo. Ukusombulula le ngxaki, unganciphisa isixa, iakhawunti izaliswa ngokuchanekileyo sisixa esibeka umngcipheko. Kwaye ngexesha elifanayo, kunye nokuphuhliswa kwemeko embi, idiphozithi ikhutshwe ngokupheleleyo. Kodwa ngokungafaniyo nokurhweba ngenkunzi enkulu, oku akuyiyo intlekele. Kuyacetyiswa ukuba ubeke umngcipheko ngorhwebo ngalinye elilingana nengeniso yakho yemihla ngemihla okanye imali obucwangcise ukuyigcina ukuze uqokelele i-10,000 yeedola kwidiphozithi. Ngorhwebo olunjalo, i-tilt ayibandakanywanga – akukho mali yokwaphula imithetho yolawulo lomngcipheko. Ukuba uthengisa ngesicwangciso esinenzuzo, i-akhawunti yakho yokurhweba iya kukhula. Nokuba kufuneka ugcwalise idiphozithi yonke imihla kangangeveki okanye ezimbini, uthotho lwentengiselwano olunenzuzo luya kugubungela ilahleko. Le ndlela yokuthengisa iyacetyiswa xa uthengisa ii-cryptocurrencies. Akuyena wonke umntu onethuba lokugcina i-10-50 yeedola ngosuku lokurhweba. Ukuguquguquka okuphezulu kwemarike ye-cryptocurrency kukuvumela ukuba ukwandise iakhawunti yakho ngamaxesha angama-20-30 ngaphandle kokusebenzisa amandla. Unokunciphisa inani ukuya kwi-1-3 yeedola, le yikomityi yekofu okanye ipakethe yecuba, wonke umntu unokukwazi ukuchitha le mali ekurhwebeni. Isenokubonakala. ukuba urhwebo olunjalo ngumdlalo kwi-casino kunye nokungabikho ngokupheleleyo kolawulo lwemali, kodwa oku akunjalo. Imithetho yolawulo lomngcipheko kurhwebo olunjalo: Akuyena wonke umntu onethuba lokugcina i-10-50 yeedola ngosuku lokurhweba. Ukuguquguquka okuphezulu kwemarike ye-cryptocurrency kukuvumela ukuba ukwandise iakhawunti yakho ngamaxesha angama-20-30 ngaphandle kokusebenzisa amandla. Unokunciphisa inani ukuya kwi-1-3 yeedola, le yikomityi yekofu okanye ipakethe yecuba, wonke umntu unokukwazi ukuchitha le mali ekurhwebeni. Isenokubonakala. ukuba urhwebo olunjalo ngumdlalo kwikhasino kunye nokungabikho ngokupheleleyo kolawulo lwemali, kodwa oku akunjalo. Imithetho yolawulo lomngcipheko kurhwebo olunjalo: Akuyena wonke umntu onethuba lokugcina i-10-50 yeedola ngosuku lokurhweba. Ukuguquguquka okuphezulu kwemarike ye-cryptocurrency kukuvumela ukuba ukwandise iakhawunti yakho ngamaxesha angama-20-30 ngaphandle kokusebenzisa amandla. Unokunciphisa inani ukuya kwi-1-3 yeedola, le yikomityi yekofu okanye ipakethe yecuba, wonke umntu unokukwazi ukuchitha le mali ekurhwebeni. Isenokubonakala. ukuba urhwebo olunjalo ngumdlalo kwikhasino kunye nokungabikho ngokupheleleyo kolawulo lwemali, kodwa oku akunjalo. Imithetho yolawulo lomngcipheko kurhwebo olunjalo:

1. Misela isixa somngcipheko ngosuku, ungadluli umvuzo wemihla ngemihla.
2. Ngomhla (okanye elinye ixesha, kuxhomekeke kubuninzi beentengiselwano), kuvunyelwe ukwenza enye intengiselwano kuwo wonke umngcipheko okanye iintengiselwano ezininzi, ngelixa umngcipheko uhlukaniswe. Umzekelo, umngcipheko ngosuku yi-10 yeedola. Unokwenza urhwebo olu-1 kunye ne-$ 10 yokumisa okanye urhwebo lwe-5 kunye ne-$ 2 stop. Kubonakala ngathi amathuba okwenza i-5 yokulahlekelwa amashishini angaphantsi kwe-1, kwaye ukhetho lwesibini lukhethwa. Kodwa konke kuxhomekeke kwimeko yemarike kunye nobukhulu bendawo. Ubuncinci ubungakanani bokumisa kumanqaku, aphezulu amathuba okulahleka. Ukuba uthengisa ngaphakathi kosuku lokumisa – umyalelo akufanele ube ngaphantsi kokuguquguquka kwexabiso kwiiyure ze-7 zokugqibela. Ukumisela ukuguquguquka, vula ishati yeyure kwaye usethe isalathisi se-ATR (I-Average True Range) kunye nexesha le-7. Kungcono ukuba ukumisa ku-2-3 amaxesha amakhulu kune-ATR.
3. Kungakhathaliseki ukuba yintoni umphumo worhwebo, sibeka ingozi kwisixa esifanayo kwintengiso elandelayo. Masithi sibeka imithetho. Umngcipheko wemini yi-10 yeedola, sinokwenza urhwebo lwe-5 kunye nomngcipheko we-2 yeedola. Imeko yemarike yayilungile kwaye intengiselwano yokuqala yasizisela i-10 yeedola. Ngoku i-bill yi-20 yeedola. Kodwa ukurhweba okulandelayo kufuneka kusekho ingozi ye-$ 2 (okanye ingabi ngaphezu kwe-$ 8).
4. Ukuhoxiswa rhoqo kweenzuzo, ubuncinane i-30%. Ukuba inkunzi incinci kwaye awudingi mali kwiimfuno zemihla ngemihla, awukwazi ukuhoxisa kwikhadi. Kwaye uguqulele kwisicwangciso esincinci esinobungozi. Umzekelo, thenga iibhondi ukuba uthengisa kwi-stock market. Okanye udlulisele kwi-akhawunti eyahlukileyo, kubalulekile ukuba ukudluliselwa kwemali kuthatha ixesha. Kodwa kungcono ukuyihoxisa kwi- akhawunti ye-brokerage ubuncinane kanye emva kweenyanga ezimbalwa kwaye uthenge into okanye uhambe eholide. Oku kuya kwandisa inkuthazo.
5. Phinda ubale ubungakanani bomngcipheko nyanga zonke. Mhlawumbi uqale ukufumana ngaphezulu, okanye idiphozithi yakho ikhule kakhulu kangangokuba isixa senzuzo sibonakala sihlekisa. Ukuba imarike ichasene nawe, okanye ulahlekelwe ngomnye womvuzo wakho kwaye isixa sangaphambili sibonakala sikhulu, nciphisa umngcipheko wakho wemihla ngemihla ukuya kwinqanaba elitofotofo. Kubaluleke kakhulu ukuba ilahleko yemihla ngemihla ayibalulekanga, ayibangeli umnqweno wokubuyisela.

Ulawulo lomngcipheko ekurhwebeni, phi kwaye nini ukuseta ilahleko yokuyeka kwaye uthathe inzuzo, isikolo sokurhweba: https://youtu.be/7Bfrxgu5BGI Kukho izikimu zolawulo lomngcipheko ngakumbi ekurhwebeni, kodwa ezona zisisiseko zivezwe ngasentla.