Ukuphathwa kwemali ekuhwebeni – amasu nezibonelo ezivela kumkhuba wokuhweba

Ukuze uzuze impumelelo ekuhwebeni nasekutshalweni kwezimali futhi wenze inzuzo, uthuthukise futhi uthuthuke ezindleleni zesimanje nezindlela zokuzuza, udinga ukwazi ukuthi uyini umqondo onjengokuphatha imali. Abadlali abaningi bemakethe yezimfundamakhwela abakunaki ukubaluleka kanye nenani lale nto, ngakho abakwazi ukukhetha isiqondiso esisebenzayo ekuhwebeni. Leli gama libalulekile kunoma yiziphi izindawo ezikhona zokuhweba nokutshalwa kwezimali, njengoba likuvumela ukuthi ukhethe i-algorithm efanele yezenzo.

Kuyini ukuphathwa kwemali futhi kungani kudingekile kwabaqalayo nabadayisi abaqhubayo nabatshalizimali

Umqondo wokuphathwa kwemali ekuhwebeni ungenye yezinto eziyinhloko, okunconywa ukuba zifundwe ngaphambi kokungena kokuqala endalini. Isimo sengqondo esicophelelayo nesicabangelayo kulo mqondo sizokuvumela ukuba ugweme ukulahlekelwa, unciphise izingozi futhi ufunde ukubona amasignali ngesikhathi esifanele, okufanele uvule / uvale izikhundla. Eqinisweni, ukuphathwa kwemali, njengokulawulwa kwezinhlekelele, kufanele kufundwe ukuze kuphathwe kahle izimali, ngaleyo ndlela kwandiswe inzuzo futhi kuncishiswe ukulahlekelwa.
Umqondo ungachazwa njengobuciko bokuphatha imali. Lena inqubo ekhethekile evumela ukuthi usebenze ngemali yomuntu siqu ekhona. Kuhlanganisa inani lamathuluzi, izinto ezihlukahlukene, amasu nezindlela okuhloswe ngazo ukulondoloza bese kuphindaphindwa imali etshaliwe. Itemu elicutshungulwayo ngaphezu kwalokho liqukethe isethi yemithetho namasu okuhloswe ngawo ukunciphisa ubungozi ngesikhathi esifanayo nokwandisa amathuba okwenza inzuzo. Abaqalayo ekuhwebeni ezimweni eziningi bakholelwa ukuthi esimweni sokwethulwa kokuphathwa kwemali, kuzodingeka bachithe isikhathi esiningi ekubalweni kwezimali. Lapha udinga ukuqonda ukuthi izibalo ze-accounting zizokhuphula inzuzo evela emiphumeleni yemali esheshayo. Futhi abatshalizimali bazokwazi kuphela ukunciphisa inkomba yobungozi,

Kufanele kukhunjulwe ukuthi inzuzo esheshayo iyingxenye eyengeziwe yemali etholwayo. Kodwa, uma ikhethwa njengemodeli eyinhloko, khona-ke ku-90% yamacala umdlali uzohluleka. Yingakho kubalulekile ukucabanga ngendlela yokuphatha imali yomuntu siqu etholakalayo ngenzuzo enkulu.

Imithetho ekhona yokuphatha imali isho imigomo nezinhlelo eziningi zokusabalalisa izimali ezihloselwe ukutshalwa kwezimali. Inhloso yalo mqondo ukunciphisa izingozi zokulahlekelwa yonke imali etholakalayo kumthengisi. Ngakho-ke kuvela ukuthi ukuphathwa kwemali kuyisethi yezenzo zokuphatha imali. Kubandakanya ukusetshenziswa okuhlakaniphile kwamathuluzi namasu okulondoloza nokukhulisa impahla etshaliwe. Futhi, lawa amasu ezezimali asiza umuntu ukuthi angalahlekelwa yimali eseyitshaliwe ekuhwebeni. I-Forex money management calculator ye-MT4: https://youtu.be/J8ill0oHneQ Lolu hlobo lokuphatha luyadingeka ukuze kuzuzwe ukukhula okushelelayo kokutshalwa kwezimali, ngaphandle kokwehla okubukhali, ubungozi obungalindelekile kanye nokulahlekelwa okungenasisekelo. Isiqondiso esikhethiwe somsebenzi sizovumela ukunikeza isiqinisekiso kumhwebi, ukuthi ukuthengiselana okuyimpumelelo kuzovela futhi kwenziwe. Imisebenzi yokulahlekelwa izoncishiswa. Ukuphathwa kwemali kufanele kufundwe ukuze kufundwe indlela yokuhlela ukuphathwa kwempahla. Kufika ku-90% wabathengisi basebenzela ukukhulisa imali esikhathini eside. Lapha kufanele kucatshangelwe ukuthi uma umhwebi ehweba isikhathi eside ngaphandle kwesistimu, ayanda izingozi zokulahlekelwa kwezimali. Ngesikhathi esifanayo, ungahamba ungalungile ngisho nangaphakathi kosuku olulodwa lokuhweba. Ukuphathwa kwemali kuzokuvumela ukuthi uqonde ukuthi ungabhekana kanjani nokulahlekelwa nokuthi ungakukhulisi kanjani esikhathini esizayo. Lena inhloso enkulu yokuphathwa kwemali. ukuthi uma umhwebi ehweba isikhathi eside ngaphandle kwesistimu, ayanda ingozi yokulahlekelwa ngokwezimali. Ngesikhathi esifanayo, ungahamba ungalungile ngisho nangaphakathi kosuku olulodwa lokuhweba. Ukuphathwa kwemali kuzokuvumela ukuthi uqonde ukuthi ungabhekana kanjani nokulahlekelwa nokuthi ungakukhulisi kanjani esikhathini esizayo. Lena inhloso enkulu yokuphathwa kwemali. ukuthi uma umhwebi ehweba isikhathi eside ngaphandle kwesistimu, ayanda ingozi yokulahlekelwa ngokwezimali. Ngesikhathi esifanayo, ungahamba ungalungile ngisho nangaphakathi kosuku olulodwa lokuhweba. Ukuphathwa kwemali kuzokuvumela ukuthi uqonde ukuthi ungabhekana kanjani nokulahlekelwa nokuthi ungakukhulisi kanjani esikhathini esizayo. Lena inhloso enkulu yokuphathwa kwemali.

Imithetho yokuphatha imali

Lapho ufunda ukuphatha imali, udinga ukufunda ngokucophelela imithetho futhi uqonde imiphumela yokwephulwa kwayo. Eyokuqala, elula futhi elula ukuyiqonda ingqikithi yemithetho ye-MM yasungulwa ekuqaleni kwekhulu lama-20. Sebevele bavumela ukuhweba ngenzuzo. Ingqikithi yale mithetho:

1. Akuvunyelwe ukutshala yonke imali etholakalayo ngesikhathi esisodwa kubhizinisi elilodwa.
2. Kunconywa ukuthi uvule amadili amaningana ngesikhathi esisodwa, noma usebenzise imali ukulinganisa izikhundla.
3. Kungcono ukutshala imali ekuthengiseni okukodwa kungabi ngaphezu kuka-5-10% wemali etholakalayo. Khona-ke kuyoba lula ukugwema ukucindezeleka uma kwenzeka ukulahlekelwa.
4. Kungenzeka ukunikeza inzuzo engenzeka ithuba lokufinyelela esiphezulu sayo. Lokhu kuzosiza ukuthi ikhule ngaphakathi kweseshini eyodwa yokuhweba.
5. Udinga ukuphuma kunqolobane ngesikhathi. Lokhu kusho ukuthi kuyadingeka ukudlulisa inzuzo etholiwe ngqo emalini. Kunconywa ukuthi okungenani uhhafu wemali enenzuzo etholakala ngesikhathi esithile iguqulwe ibe ukheshi. Lokhu kufanele kwenziwe ngazo zonke izimali ezitholiwe kunoma yikuphi ukuthengiselana okukhulu noma okubalulekile.

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Umhwebi kufanele aqonde ngokucacile ukuthi uhlela ukukwamukela malini ngosuku futhi akwazi ukuphuma kunqolobane ngesikhathi futhi angaqhubeki nokuhweba ngesikhathi sokuhweba[/ amazwibela]

Kusebenza omunye umthetho lapha – umdlali ngamunye kumele azibekele owakhe umkhawulo.

Imithetho yamanje iphinde ikhombise ukuthi noma yimuphi umtshali-zimali usebenzisa imali yakhe njengethuluzi lokusebenza. Ukuphathwa kahle kwemali kubalulekile ekuhwebeni, njengoba kukuvumela ukuthi uhlale usesimweni sokuwina. Ukwephulwa kokuphathwa kwemali kuhlanganisa nemiphumela engemihle. Abaqalayo kulesi siqondiso bahlale bekhohlwa ukuthi kuyingozi ukubeka engozini amanani amakhulu, njengoba kungase kube nokulahlekelwa okukhulu kwezimali. Kubo, kunconywa ukuthi basebenzise okungaphezu kuka-5% yenani eliphelele abanalo ekuthengeni. Kuyadingeka ukutadisha ngokucophelela umqondo onjalo njengediphozi yomthengisi, njengoba inkomba ephumela ngokuqondile incike ekutheni ukulahlekelwa kuyoba yini uma kwenzeka ukuthengiselana okungaphumelelanga. Ngakho-ke, uma uthatha ngaphezu kuka-5% yenani, khona-ke ukulahlekelwa kuzoba okubalulekile koqalayo.
Ithuba lokwephula imithetho ekhona livunyelwe, kodwa kuphela uma umuntu esevele enguchwepheshe. Khona-ke uyaqaphela uzifaka engozini, aqonde futhi ahlole yonke imiphumela engase ibe khona. Usezinqumele ukuthi umkhawulo ongaphezulu uzoba yini, okungenakwenzeka ukweqa. Kukhona omunye umthetho obonisa ukuthi ungafunda ukuthobela ukuvinjelwa nezincomo kuphela ngemva kokulahlekelwa kokuqala. Yingakho kubaluleke kakhulu ukuthi ungagcini nje ukuhlola amandla akho namakhono akho, ukukholelwa kuwo, kodwa futhi ulandele imithetho emisiwe elandelwe iminyaka engaba ngu-100 yibo bonke abahwebi abaphumelelayo. Isibonelo sokuhlolwa kokuphathwa kwemali ngokuhweba nge-Forex: https://youtu.be/dzAyp0pG4ic

Amasu athile okuphatha imali angasetshenziswa

Kuyaziwa ukuthi ekuphathweni kwemali kanye nokulawulwa kwengozi ekuhwebeni, amasu abo athuthukisiwe. Uma uhlola izibalo, ungabona ukuthi abaqalayo ezimweni eziningi bakhetha isu lokulinganisa. Kubandakanya ukukhulisa ingxenye yamasheya aphethwe umthengisi njengoba intengo yawo yehla. Isu liyamangalisa ngoba lehlisa inani lokuthenga elimaphakathi. Futhi, indlela efanayo ikhethwa yilabo abatshalizimali abasebenzisa ukuhlaziywa okuyisisekelo ngesikhathi sokuhweba.
. Izibalo nezibalo zisekelwe ekuqondeni ukuthi ukulinganisa kwempahla kufanele kuthathwe kancane ngokuhlobene nokulindelwe. Kulokhu, ukuncishiswa kwentengo ngakunye okulandelayo kukhulisa ukubukelwa phansi. Ngenxa yalokho, kukhona ukwanda kokukhanga kwempahla ekutshalweni kwezimali okulandelayo. Lapha kufanele sicabangele ukuthi kukhona ukuphikisana nesimiso esiyisisekelo sokunciphisa ukulahlekelwa.
Lapho ukhetha isu elinjalo, kufanele kucatshangelwe ukuthi isilinganiso samanani, uma umkhiqizo ungenzi inzuzo, ngokushesha uheha inani elikhulu labasekeli. Lokhu kwandisa ukuncintisana esigabeni esikhethiwe. Ububi obukhulu kuleli cala kungenzeka ukuthi ushiywe ngaphandle kwemali ngesikhathi lapho amanani entengo eqhubeka nokuwa. Esinye isici – isu lokulinganisa emakethe yesikhathi esizayo kuyindlela elula yokusetha kabusha i-akhawunti, njengoba kudinga njalo ukungeza imali ku-akhawunti. https://articles.opexflow.com/trading-training/risk-management.htm Isu elinconywayo ukulungisa izindleko. Uma indlela efanayo yokuphatha imali ikhethiwe, khona-ke isisekelo sokuhweba sihloselwe ukwehlisa izinkomba zamanani ajwayelekile. Indlela yezindleko ezingaguquki ibandakanya ukuthengwa okuhlelekile kwamasheya. Lokhu kufanele kwenziwe ngezikhathi ezithile. Inani kufanele futhi lilungiswe. Inzuzo yalelisu ukuthi lapho amanani entengo ephezulu, kuyoba nokuthenga okuncane, kodwa ngemva kokuncipha, amanani okuthenga azokhula. Ngakho ungakwazi ukunciphisa ingozi yokulahlekelwa futhi uzuze umehluko wezindleko.

Isibonelo esisebenzayo

Ukuze uqonde kangcono ukuthi kuyini ukuphathwa kwemali ekuhwebeni, udinga ukunikeza izibonelo futhi ubale ubungozi. Lokhu kuzokusiza ukuthi uthuthukise isu lokuhweba elinenzuzo.

Ukubala ingozi

Ukusebenzisa ukuphathwa kwemali nokulawulwa kwezinhlekelele, kufanele kucatshangelwe ukuthi ku-90% yamacala izinkomba zobungozi ngokuhweba ngakunye zizoba ku-1-15%. Izinkomba zibalwa ngokusekelwe kwidiphozi yomthengisi. Ngokuvamile, izinkomba kufanele zilingane ku-1-2%. Ingozi ye-3-5% izoba ngokulinganisela. Izinga eliphezulu lingu-7-15%. Uma kukhona idiphozi yama-ruble angu-100,000, izinga elivumelekile lokunciphisa alikho ngaphezu kwama-ruble angu-5,000 ngesibambiso ngasinye. Uma kwenzeka ukwehla kwediphozi kuya kuma-ruble angu-80,000, ukudonsa akufanele kusaba ngaphezu kwama-ruble angu-4,000. Ngesikhathi esifanayo, isilinganiso senzuzo/yengozi kufanele okungenani sibe ngu-1.5. Kungcono kakhulu uma kukhulu kune-3. Isibonelo, ingozi yokulahlekelwa kwe-5% (ama-ruble angu-5,000) itshalwe ku-transaction, idiphozithi i-ruble ye-100,000. Isivuno esilindelekile esivela lapha kufanele sibekwe ezingeni okungenani lama-ruble angu-7,500.

Amathiphu

Izincomo ezengeziwe:

• Kufanele usethe ngokushesha inani eliphezulu lokulahlekelwa ngohwebo ngalunye.
• Asikho isidingo sokuvula izikhundla ezinkulu.
• Kuyadingeka ukuhlukanisa iphothifoliyo yokutshala imali , kucatshangelwa isilinganiso sezikhundla.
• Imizwa akufanele ibe nomthelela ezinqumweni ezenziwe.
• Ukungabikho kwezikhundla ezivulekile kukuvumela ukuthi ugweme ukulahlekelwa.
• Kubalulekile ukuthi ukwazi ukuphuma ezikhundleni – udinga ukunaka umsebenzi wemakethe.
• Linda ukuhweba kwangempela okunamandla okwenza inzuzo ephezulu.
• Ngezikhathi zokuntengantenga , udinga ukuhweba kancane.

Elinye lamathiphu ayinhloko ukulungiselela uhlelo lokuhweba kusengaphambili, ukudweba izimo ezinhle nezingezinhle.