Ukuphathwa Kweengozi Ekuhwebeni Okuzayo

Iyini ingozi? Ingozi yinkqubo lapho, ukuze sithole lokho esikufunayo, senza izenzo ezingaholela ekulahlekelweni kwezinto zethu noma ezethu.

Okusebenzayo esikhathini esizayo sokuhweba kwi- Stock Exchange, lokhu kungakanani imali esizimisele ukuyilahleka emiphumeleni engalungile, ukuze sithole inzuzo yepesenti.

Indlela yokunciphisa ingozi ngokuhweba ithuluzi eliyingozi kakhulu - ikusasa. Kukhona inqwaba yezincwadi zokuphathwa kwezimali kanye nokunciphisa izingozi zokuhweba. Mina ngokwami, ngihlukanisa izinto ezinjalo:

• Inani le-oda lokuma;
• Inani lenzuzo engozini;
• Inani lokungena kusukela ekubalukeni kwediphozi;
• Inani lokulahlekelwa ngosuku.

Inani le-stop order.

Ngangena kuthengiselwano kuphela lapho ngingahle ngibeke ukumisa kuka-1-4% yesiqinisekiso sesivumelwano. Ezimweni ezingavamile kakhulu, lokhu kungu-5%, kodwa ngilwela izikhundla ngokuma 1.5 - 2.5%. Futhi manje into ebaluleke kakhulu ukuthi angiyikuyiqeda ukukhathazeka ngaphandle kokubheka isimo, kodwa ngifuna izimpendulo kulo mcimbi lapho ukuma okunjalo bekufanele khona.

Isibonelo: ukusekelwa kokuqinisekisa kwekhontrakthi elilodwa lekusasa lama-Gazprom amasheya (GAZR) - ama-ruble angu-1500. Ngifaka ukuthengiselana uma ngibona ukuthi ngingakwazi ukubeka umyalo wokumisa ekubalweni kwe-1- 4% (ama-ruble angu-15 kuya kwangu-60). Vula le stop kuyamukeleka, futhi akufanelekile ingozi yokuhweba nge-intraday.

Inani lenengozi liyinzuzo.

Inkomba ebalulekile ekulawulweni kwezinengozi ingengozi yokuthola inzuzo. Usho ukuthini? Uma singena endaweni yokuhweba (ukuthenga noma ukuthengisa ikusasa), kufanele siqale siqonde ukuthi sizolahlekelwa kangakanani uma umphumela ungasihle kithi (intengo ayisihlangothini lwethu), kodwa okubaluleke kakhulu-ukuthi singakanani imali esizoyithola uma sisondela esiqondisweni sethu.

Ngokuqinisekile ngeke sazi ukuthi nini (hhayi ukuthi ubani ongazi) ukuthi amanani azodlula amaphuzu angakanani, kodwa siyazi amazinga athengiswa ngawo esikhathini esedlule futhi lokhu kuyimingcele yokuqala yethu. Ngendlela enhle, kufanele sibe nesibonakaliso kithi, lapho sizophuma khona (vala isivumelwano) futhi lokhu kufanele kube isibalo esithile. Yebo, intengo ingase iqhubekele phambili ekuqondeni kwethu, kodwa ingase ingabi.

Ngakho-ke singena esikhundleni, sibeke ume bese silinda ukunyakaza esiqondisweni sethu. Ngakho ukubaluleka kwenzuzo yethu engaba khona kufanele kube okungenani izikhathi ezimbili ubukhulu bokuma kwethu.

Isibonelo: sithenga isivumelwano sekusasa se-Gazprom amasheya (GAZR) ngentengo ye-ruble engu-1500 (isiqinisekiso). Sabeka ama-ruble angu-30. (2% wezinto ezithengiswayo) kuyinzuzo yengozi yethu, futhi kufanele silindele inzuzo okungenani ama-ruble angu-60, okungukuthi, ukuthengisa inkontileka yama-ruble angu-1560. Ingozi yethu yokuzuza inzuzo ngu-1: 2.

Okufanelekile, umuntu kufanele alwele isilinganiso senzuzo engozini ye-1: 3 noma ngaphezulu. Ngezinye izikhathi ngiya esivumelwaneni ngesilinganiso sokungu-1: 1, kodwa ukuthi ezimweni ezingavamile, zama ukungenisa okungenani ku-1: 2.

Inani lemali engenayo kusukela ekubalukeni kwediphozi.

Kusho ukuthi awukwazi ukungena yonke imali ku-akhawunti yakho kokuthengiselana okulodwa. Kungani? Ngoba kufanele ube nokunikezwa kwezimali ku-akhawunti yakho, uma ngabe intengo ayihambi ngaso leso sikhathi. Kumele ukhethe ukungabi namanani okwehlukile, uma ungenayo imali eyanele ku-akhawunti yakho, kuzofika umcimbi obuhlungu obizwa ngokuthi i-margin call (imfuneko yomugqa), uma ungafaki izimali ezengeziwe, isikhundla sakho sizovalwa ngokuqinile.

Funda kabanzi ...