Ukulawulwa kwengozi ekuhwebeni kwabaqalayo – indlela yokudweba uhlelo lokusebenza?

Ukulawulwa kobungozi ekuhwebeni – kuyini, imithetho eyisisekelo namathiphu wabaqalayo ngemali nokulawulwa kwezinhlekelele. Ukulawulwa kobungozi kuyisethi yemithetho yokuphatha imali ekuvumela ukuthi wenze inzuzo ngokugcwele futhi ugcine idiphozithi yakho ochungechungeni lwemisebenzi engaphumelelanga. Imithetho yokulawulwa kobungozi ihlobene nosayizi wesikhundla, ukuvala izikhundla zokulahlekelwa kanye nokuthatha inzuzo. Imiqondo yakudala yokulawulwa kwezingcuphe ihweba ngesilinganiso esingu-1 ukuya kokungu-3, ​​ukuphuma endaweni ngaphambi kwezindaba, kanye nokufakwa okuyisibopho kwesitobhi oda. Abaqalayo abaningi abalandela le mithetho ngobumpumputhe balinde ukulahlekelwa nokulahlekelwa yonke idiphozi noma iningi layo. Ngempela, kubalulekile ukukwazi ukuphatha izingozi, yilokhu okuhlukanisa umhwebi kumdlali wekhasino. [i-id yamagama-ncazo = “okunamathiselwe_12919” align = “aligncenter” wide = “672”]
Ukulawulwa kwezingcuphe kanye nenhloko-dolobha ekuhwebeni [/ amazwibela] Ubuciko buwukuthi ngenxa yokulawulwa kobungozi okunekhono, umhwebi wenza inzuzo ekupheleni konyaka, ngisho noma izibikezelo zakhe eziningi bezingalungile. Ukwakha ukuphathwa kwemali okunekhono, kuyadingeka ukuqonda izimbangela nemiphumela yokuphula umthetho ngamunye. Ukulawulwa kobungozi kuncike esu nasezinjongweni ezibekiwe. Ukuze udale uhlelo lokuphatha imali olusebenzayo, udinga ukwakha isu lokuhweba futhi ulibuyisele emuva. Isu ngalinye lokuhweba lidinga ukuphathwa kwengozi yalo. Kunconywa ukunciphisa ubungozi – akukho ngaphezu kwe-0.5-2% yediphozithi. Kodwa kuthiwani uma ungakakulungeli ukuthwala ukulahlekelwa? Futhi ngakho-ke uhweba amasheya akhangayo, lapho ubungozi bokukhipha ohlwini buncane. Uma kwenzeka isimo esingathandeki, balungele ukulahlekelwa isikhathi, kodwa hhayi imali. Ngokwesibonelo,
Sibona ukukhuphuka okuqinile, ukulungiswa kuncane futhi kukhishwa ngokushesha. I-Sberbank iyibhange elikhulu kunawo wonke e-Russian Federation, amasheya angu-51% aphethwe nguhulumeni, izabelo zikhokhwa okungenani i-50% yenzuzo yenetha. Ngokusekelwe kulokhu, umhwebi uphetha ngokuthi izingcaphuno zizokhula. Uma intengo iqhubeka nokuwa ngemva kokuthenga, awudingi ukulungisa ukulahlekelwa okungu-0.5-2%, kodwa kufanele ulinde ukuthi izingcaphuno zibuye. Ivolumu yesikhundla kufanele ibalwe ngendlela yokuthi ukuwa kwe-20-50% akuholeli ekulahlekelweni kwe-akhawunti. Umhwebi ulungele ukulahlekelwa i-akhawunti, kodwa ubheka ingozi enjalo njengento encane, isibonelo, kuyinkinga yomhlaba wonke noma impi. Ukulawulwa kobungozi kuncike enjongweni yokuhweba. Lapho uhweba ngokulondoloza ku-akhawunti
nomthengisiyonke imali yokuhweba itholakala, ukugcwaliswa kabusha ayenziwa noma akubalulekile. Ikhephithali ngokuvamile iba inani elikhulu, elingaphezu kuka-2-5 wemali engenayo yonyaka yomtshali-zimali. Umgomo uwukugcina nokwandisa idiphozi ngaphandle kwengozi yokulahlekelwa ngaphezu kuka-30% wediphozithi. Ngokuhweba okunolaka, umthengisi unengxenye encane yediphozithi ku-akhawunti, engadluli umholo wansuku zonke. Umgomo uwukuthola okungenani u-500-1000%. Ake sicabange ubungozi bokulahlekelwa idiphozithi.

ukuhweba okulandelanayo

Nakanjani yonke imithetho yokulawulwa kwezinhlekelele zakudala iyasebenza ekuhwebeni okulandelanayo – ukuhweba ngediphozithi enkulu, ukulahlekelwa kwayo, nakuba kungeyona inhlekelele, kodwa kuthinta kakhulu isimo somtshali-zimali. Imithetho yokulawulwa kobungozi ihloselwe ukungalahlekelwa yimali ngisho nangaphansi kwezimo zemakethe ezingezinhle. Izibalo ezilula zibonisa ukuthi ngengozi engu-2% ngokuhweba ngakunye, kuthatha ukuhweba okulandelanayo okungu-119 ukwenza ukulahlekelwa okungu-100%. Uma umhwebi enesu elifakazelwe, engangeni ekuthengiseni ngokungahleliwe, ukuqala kochungechunge olunjalo lokuthengiselana akunakwenzeka. Futhi u-2% uyizinga eliphezulu lobungozi. Uma unemali enkulu futhi i-2% iyinani elikhulu kuma-ruble, ukunciphisa umthwalo ongokwengqondo, unganciphisa ingozi ku-0.2-0.5%. Bese udinga uchungechunge olude nakakhulu lokulahlekelwa ukuhweba.

Isilinganiso somvuzo wobungozi

Kunzima ukubikezela kahle ukuziphatha kwemakethe, okuncike ezintweni eziningi. Abadayisi abaningi abangochwepheshe banesilinganiso sokuwina nokulahlekelwa esingaphansi kuka-50%. Ngesikhathi esifanayo, bahola njalo. Imfihlo yempumelelo isesilinganisweni phakathi kokuhweba okulahlekile kanye nenzuzo. Inkulumo eyaziwayo ethi “vumela inzuzo igeleze futhi inciphise ukulahlekelwa” imayelana nalokhu. Isibonelo esingezansi sibonisa ukuthi ngenani lomvuzo wengozi lika-1 kuya ku-3, umhwebi angenza u-50% wokulahlekelwa ukuhweba esikhathini esithile futhi abe nenzuzo. Lapho isilinganiso esiphezulu, umhwebi angakwazi ukukhokhela ukungalungile. Uma, ngokwezibalo, wenza ngaphansi kwe-60% yezohwebo ezinenzuzo, futhi isilinganiso somvuzo wengozi singaphansi kwe-1 kuya ku-1, khona-ke ukulahlekelwa kwemali kuyindaba yesikhathi.
Kukholelwa ukuthi isilinganiso kufanele okungenani sibe ngu-1 kuya ku-2 ngenxa yokuthi isabelo sokuthengiselana okunenzuzo akuvamile ukuba sibe ngaphezu kuka-50%. Konke kuncike isu kanye namanani amapharamitha – inani lohwebo olunenzuzo kanye nesilinganiso somvuzo wobungozi. Ngaphambi kokuhweba nge-akhawunti yangempela, kuyadingeka ukuhlaziya idatha yomlando. Kwenzeka ukuthi ngesilinganiso sika-1 kuya ku-1, inani lokuthengiselana okunenzuzo lingaphezu kuka-85%, futhi ngesilinganiso sika-1 kuya ku-3, ngaphansi kuka-30%. Kulesi simo, umthetho – inzuzo kufanele ibe izikhathi ezi-3 ezinkulu kunokulahlekelwa, kuholela ekukhishweni kwediphozithi.

Ukuphuma ekuhwebeni okulahlekelwayo

stop oda

Ukulawulwa kobungozi kusetha imithetho yokuphuma ekuhwebeni okulahlekelwayo. Inketho ephephe kunazo zonke iwukusetha i-stop order lapho ufinyelela izinga elinqunywe kusengaphambili. Isibonelo, umhwebi wenza isibikezelo mayelana nokuphela kokulungiswa kanye nokuqala kabusha kwe-uptrend. Ivula uhwebo lokuthenga endaweni yesi-3 futhi ilindele okungenani ukubuyisela kubukhulu bomlando. Isilinganiso sengozi yenzuzo yi-1 kuya ku-5. Uma kwenzeka iphutha, umhwebi ubeka i-stop order ezingeni lephuzu 1. Ukuqala kwayo kusho ukuthi isibikezelo sinephutha futhi kungenzeka ukuthi ukulungiswa kwentengo akukakaqedwa. Ukusetha i-stop order kusiza umhwebi agweme ukulahlekelwa okukhulu. Ukuthengiselana kuzovalwa ngaphandle kokubamba iqhaza komthengisi, akadingi ukuba novalo futhi ahlole ishadi njalo ngehora.

Ukuvala isivumelwano “ngesandla”

Esibonelweni esingenhla, i-stop order yalungisiswa, ukuyibeka yasindisa umthengisi ekulahlekelweni okukhulu. Lokhu akunjalo ngaso sonke isikhathi, ikakhulukazi uma uhweba nge-cryptocurrencies, lapho ukuminyanisa nokukhohlisa kuvame. Umhwebi usetha ukulahlekelwa kokuyeka, uthatha ukulahlekelwa, futhi ihora kamuva intengo ibuya futhi ithinta izinga lapho inzuzo yokuthatha isethwe. Ngakho-ke, abathengisi abaningi bakhetha ukungabeki i-stop order, kodwa ukubeka isaziso se-push. Umlayezo uzothunyelwa kumakhalekhukhwini uma intengo ithinta izinga lentengo lapho isitobhi kufanele sibe khona. Okulandelayo, umhwebi kufanele anqume ukuvala ukuhweba okulahlekile noma ukunyakaza kwamanje – ukukhohlisa. Kunconywa ukulinda ihora noma amahora angu-4 ukuvala, uma intengo ingashintshi isiqondiso, kungcono ukuvala isikhundla futhi ulahlekelwe. Ingozi enkulu kuleli cala ayikwamukeli ukulahlekelwa esimweni esilahlekile ngokucacile. Iphutha elilodwa elinjalo lingaba yingozi ku-akhawunti yokuhweba. Akunandaba ukuthi zingaki izimakethe ezinenzuzo ezivaliwe ngaphambili. Ngakho-ke, le ndlela ifaneleka kakhulu kubathengisi abanolwazi abakwaziyo ukubhekana nemizwelo futhi baqonde izindleko zokwephula imithetho yokuphatha imali. Ingozi yokuphuma okunjalo endaweni yokulahlekelwa ingase ibe phezulu kunaleyo ebaliwe, ngakho-ke kungcono ukunciphisa ivolumu izikhathi ezingu-2-3.

Ukuhweba okunolaka – ukuma kuyi-akhawunti yonke

Imithetho yakudala yokulawulwa kwezinhlekelele isho ukuthi yonke imali eyinhloko yokuhweba yomthengisi iku-akhawunti yomdayisi futhi ukulahlekelwa kwayo kuzolimaza inhlalakahle yezezimali. Esimeni esinjalo, ukwephula imithetho yokulawulwa kwezinhlekelele nokubeka engcupheni ngaphezu kuka-10% we-akhawunti ekwenziweni okukodwa kufana nokulahlekelwa idiphozi. Uma kungenjalo namuhla, kusasa kuzofika uchungechunge olulahlekile lwezohwebo, oluzobulala i-akhawunti. Futhi, umvuzo wengozi wakudala awubheki i-psychology yomthengisi. Ngokombono, imithetho isebenza kahle, kodwa ekusebenzeni, ngemva kochungechunge lokulahlekelwa ukuhweba ekutshekeni, umhwebi uphula imithetho yakhe. Ingena emakethe ngaphandle kwesignali, ithatha inkatho enkulu kakhulu, isusa ama-stop order futhi yengeza ivolumu esikhundleni sokuvala ukulahlekelwa. Ngokungaphansi kokulawulwa kwezinhlekelele zakudala, ukuze uhlale uzuza u-$1,000 ngenyanga, udinga idiphozithi okungenani engu-$10,000. Akulula kumuntu onomholo ojwayelekile ukuqoqa inani elinjalo, kuzothatha iminyaka engu-1-3. Futhi konke lokhu kungaqedwa ngephutha elilodwa elidalwa yi-psychology.
Ngokuhweba okuvamile ku-transaction ngayinye, ubungozi bungu-0.5-2%, noma ngediphozithi engu-$10,000 – $50-200. Ezinye izimali ziku-akhawunti ayisebenzi. Futhi kunengozi yokusebenzisa amanani amakhulu kakhulu ekuthengiseni, ngoba nje kukhona imali yakho. Ukuze uxazulule le nkinga, ungakhawulela inani, i-akhawunti igcwaliswa ncamashi inani esizifaka engozini. Futhi ngesikhathi esifanayo, ngokuthuthukiswa kwesimo esibi, idiphozi ikhishwa ngokuphelele. Kodwa ngokungafani nokuhweba ngemali enkulu, lokhu akuyona inhlekelele. Kunconywa ukuthi usethe ubungozi bokuhweba ngakunye obulingana nesilinganiso semali engenayo yansuku zonke noma inani obuhlele ukulilondoloza ukuze uqongelele u-$10,000 wediphozithi. Ngokuhweba okunjalo, ukutsheka akufakiwe – akukho mali yokwephula imithetho yokulawulwa kobungozi. Uma uhweba ngesu elinenzuzo, i-akhawunti yakho yokuhweba izokhula. Ngisho noma kufanele ugcwalise idiphozi nsuku zonke isonto elilodwa noma amabili, uchungechunge olunenzuzo lwemisebenzi luzohlanganisa ukulahlekelwa. Le ndlela yokuhweba iyanconywa lapho uhweba ama-cryptocurrencies. Akuwona wonke umuntu onethuba lokonga amadola ayi-10-50 ngosuku lokuhweba. Ukuguquguquka okuphezulu kwemakethe ye-cryptocurrency kukuvumela ukuthi ukhuphule i-akhawunti yakho izikhathi ezingama-20-30 ngaphandle kokusebenzisa amandla. Unganciphisa inani libe ngu-$ 1-3, lena inkomishi yekhofi noma iphakethe likagwayi, wonke umuntu angakwazi ukusebenzisa le mali ekuhwebeni. Kungase kubonakale. ukuthi ukuhweba okunjalo kuwumdlalo ekhasino kanye nokuntuleka okuphelele kokuphathwa kwemali, kodwa lokhu akunjalo. Imithetho yokulawulwa kobungozi yokuhweba okunjalo: Akuwona wonke umuntu onethuba lokonga amadola ayi-10-50 ngosuku lokuhweba. Ukuguquguquka okuphezulu kwemakethe ye-cryptocurrency kukuvumela ukuthi ukhuphule i-akhawunti yakho izikhathi ezingama-20-30 ngaphandle kokusebenzisa amandla. Unganciphisa inani libe ngu-$ 1-3, lena inkomishi yekhofi noma iphakethe likagwayi, wonke umuntu angakwazi ukusebenzisa le mali ekuhwebeni. Kungase kubonakale. ukuthi ukuhweba okunjalo kuwumdlalo ekhasino kanye nokuntuleka okuphelele kokuphathwa kwemali, kodwa lokhu akunjalo. Imithetho yokulawulwa kobungozi yokuhweba okunjalo: Akuwona wonke umuntu onethuba lokonga amadola ayi-10-50 ngosuku lokuhweba. Ukuguquguquka okuphezulu kwemakethe ye-cryptocurrency kukuvumela ukuthi ukhuphule i-akhawunti yakho izikhathi ezingama-20-30 ngaphandle kokusebenzisa amandla. Unganciphisa inani libe ngu-$ 1-3, lena inkomishi yekhofi noma iphakethe likagwayi, wonke umuntu angakwazi ukusebenzisa le mali ekuhwebeni. Kungase kubonakale. ukuthi ukuhweba okunjalo kuwumdlalo ekhasino kanye nokuntuleka okuphelele kokuphathwa kwemali, kodwa lokhu akunjalo. Imithetho yokulawulwa kobungozi yokuhweba okunjalo:

1. Setha inani lengozi ngosuku, lingeqi imali engenayo yansuku zonke.
2. Ngosuku (noma esinye isikhathi, kuye ngokuvama kokuthengiselana), kuvunyelwe ukwenza ukuthengiselana okukodwa kukho konke ubungozi noma ukuthengiselana okuningana, kuyilapho ubungozi buhlukaniswa. Isibonelo, ingozi ngosuku ingu-$10. Ungenza uhwebo olu-1 ngokuma kwe-$10 noma uhwebe okungu-5 ngesitobhi sika-$2. Kubonakala sengathi amathuba okwenza ukuhweba okulahlekile okungu-5 aphansi kune-1, futhi inketho yesibili ingcono. Kodwa konke kuncike esimweni semakethe kanye nosayizi wesikhundla. Uma umncane usayizi wokumisa ngamaphoyinti, ayanda amathuba okulahlekelwa. Uma uhweba ngaphakathi kosuku lokuma – i-oda akufanele libe ngaphansi kokuguquguquka kwentengo emahoreni angu-7 wokugcina. Ukuze unqume ukuguquguquka, vula ishadi lehora bese usetha inkomba ye-ATR (Isilinganiso Esiyisilinganiso Sangempela) nesikhathi esingu-7. Kungcono uma isitobhi sikhulu izikhathi ezingu-2-3 kune-ATR.
3. Kungakhathaliseki umphumela wokuhweba, sibeka engcupheni inani elifanayo ekuhwebeni okulandelayo. Ake sithi sibeka imithetho. Ingozi yosuku ingu-$10, singenza ukuhweba okungu-5 ngengozi engu-$2. Isimo semakethe besivuma futhi umsebenzi wokuqala usilethele u-$10. Manje isikweletu se-$20. Kodwa ukuhweba okulandelayo kusafanele kube nengozi engu-$2 (noma ingabi ngaphezu kwama-$8).
4. Ukuhoxiswa njalo kwenzuzo, okungenani u-30%. Uma inhloko-dolobha incane futhi awudingi imali yezidingo zansuku zonke, awukwazi ukuhoxisa ekhadini. Futhi uhumushele kuqhinga elingenabungozi kangako. Isibonelo, thenga amabhondi uma uhweba emakethe yamasheya. Noma udlulisele ku-akhawunti ehlukile, kubalulekile ukuthi ukudluliswa kwemali kuthatha isikhathi. Kodwa kungcono ukuyihoxisa ku- akhawunti ye-brokerage okungenani kanye njalo ezinyangeni ezimbalwa futhi uthenge okuthile noma uhambe eholidini. Lokhu kuzokwandisa ugqozi.
5. Bala kabusha inani lengozi njalo ngenyanga. Mhlawumbe uqale ukuhola kakhulu, noma idiphozithi yakho ikhule kakhulu kangangokuthi inani lenzuzo libonakala lingenangqondo. Uma imakethe imelene nawe, noma ulahlekelwe enye yemali yakho engenayo futhi inani langaphambilini libonakala likhulu, yehlisa ubungozi bakho bansuku zonke ube sezingeni elinethezekile. Kubaluleke kakhulu ukuthi ukulahlekelwa kwansuku zonke akubalulekile, akubangeli isifiso sokubuyisela.

Ukulawulwa kobungozi ekuhwebeni, kuphi futhi nini ukubeka ukulahleka kokuyeka futhi uthathe inzuzo, isikole sokuhweba: https://youtu.be/7Bfrxgu5BGI Kunezinhlelo eziningi zokulawula ubungozi ekuhwebeni, kodwa eziyisisekelo zivezwe ngenhla.