Shesha ku-Draw ukuze Udwebe Umugqa Ngaphansi Kwe-Drawdown Yakho
Igama "ukwehliswa" linye, (uma kungenjalo kakhulu), amagama amabi asetshenziswa embonini yokuhweba. Ngaphandle kokungenakugwenywa kokuthi sibhekane nokudilizwa ngesikhathi somsebenzi wethu wokuhweba ubudlelwane bawo obulinganayo namagama athi "ukwehluleka" kanye "nokulahleka" kwenza kube nzima ukubhekana nakho.
Akugcini nje 'ngokulimaza' i-akhawunti yomthengisi, kepha futhi kushaya nokushaywa kwengqondo okungathatha isikhashana ukuphola. Kodwa-ke, kunezinzuzo zemvelo ezwini nasekusetshenzisweni kwalo. Nayi eyodwa, ungalokothi uthathe noma yimuphi umhwebi ngokungathi sína uma engawuqondi umqondo noma angavumi ukuthi wake wehlelwa ukwehla okukhulu.
Cabanga ukuthi uye emhlanganweni wokuhweba ngokwesibonelo iLas Vegas, futhi ngemuva kweziphuzo ezimbalwa endaweni yokucima ukoma waqala ukuxoxa ngokuhweba kwakho 'ngezindaba zempi' nabambalwa beqembu. Njengama-vets avela ku-'Nam 'uzoba nezibazi futhi uphume amanxeba nezinganekwane ongazisho kusuka kukhabethe lakho elilimazayo. Ngabe ngokwethembeka ungamthatha ngokungathi sína omunye umhwebi obengenayo 'inganekwane evela egqumeni' angakusho maqondana nokuthi yiziphi izifundo zokuphila abazifundile ngesikhathi nangemva kokudonsela phansi kwabo kokuqala noma ukuqhuma ..? Mhlawumbe kufanele kube khona ukwehliswa okungaziwa ...
Sawubona, amagama ami uPaul, sekuphele iminyaka emithathu manje ngagcina ukushaywa, ngenza kahle, isinyathelo esisodwa ngesikhathi, ngithatha usuku ngalunye njengoba luzofika, ngilugcine luyiqiniso futhi ngihlanzekile ngosizo lweqembu . Kube nzima kwesinye isikhathi, ngiyazi futhi ngiyamukela ukuthi isilingo sihlala sikhona, ngivele ngacabanga ukuthi ngizokwabelana ..
Ukudonswa phansi kuyingxenye engenakugwenywa yohambo lomthengisi kanye nesipiliyoni njengokulahlekelwa ngamabhizinisi, akunakugwenywa. Kunokuqiniseka okumbalwa ezweni lethu lokuhweba lokungaqiniseki futhi lokhu kungenye; uma uhweba uzama ukugwema ukulahleka nokudilizwa ngandlela zonke uzohluleka. Ukuthatha okuhle kusuka ekudonseleni kuqondile, empeleni uyazi ukuthi 'usemdlalweni' futhi uwudlala ngendlela efanele uma uhlangabezana nawo. Ukubona ukuthi ukumunye, ufike kanjani lapho nokuthi yini ongayenza ukuyilungisa, konke lokhu kuyingxenye yohlelo futhi ngenxa yalokho kufanele kuqukethwe kuhlelo lwakho lokuhweba. Uma kungenjalo kufanele ulungise lokho kushiyeka pdq.
Singakuchaza ukwehla njengokuncipha kwe-peak-to-trough ngesikhathi esithile esiqoshiwe sokutshalwa kwezimali, isikhwama noma impahla. Ukwehliswa kuvame ukucashunwa njengephesenti phakathi kwesiqongo nomkhombe. Ukwehliswa kukalwa kusukela lapho ukudilizwa kuqala khona lapho kufinyelelwa phezulu. Le ndlela isetshenziswa ngoba isigodi asinakulinganiswa kuze kuvele ukuphakama okusha. Lapho sekufinyelelwe ukuphakama okusha, ukuguqulwa kwamaphesenti kusuka kokuphakeme okudala kuya emgodini omncane kuyaqoshwa.
Kwezezimali, ukusetshenziswa kokudonswa okuphezulu njengenkomba yobungozi kudume kakhulu emhlabeni wabeluleki bezokuhweba ngempahla ngokusetshenziswa kabanzi kwezindlela ezintathu zokusebenza: isilinganiso seCalmar, isilinganiso seSterling kanye nesilinganiso seBurke. Lezi zinyathelo zingathathwa njengokuguqulwa kwesilinganiso se-Sharpe ngomqondo wokuthi i-numerator ihlale ingaphezu kwemali ebuyiswayo engaphezulu kwesilinganiso esingenabungozi ngenkathi ukuphambuka okujwayelekile kwembuyiselo ku-denominator kufakwa esikhundleni somsebenzi othile wokudonsela phansi.
Kunenqwaba yama-calculators 'wokubala' atholakala ku-inthanethi, ajwayele ukusetshenziswa ngabahola impesheni ukubala ukwehla impesheni yabo ezokuthola uma bethatha isamba semali emalini yabo yempesheni. Njengabahwebi kungumsebenzi wethu ukuthi sihlale siqaphe noma ikuphi ukwehla esingahlangabezana nakho ukuze siqinisekise ukuthi noma yimuphi umthelela ugcinwa ngaphakathi kobubanzi bohlelo lwethu lokuhweba. Singasebenzisa izibalo eziyisisekelo ukuqinisekisa ukuthi sigcina imingcele ebekiwe ngaphambili. Isibonelo, uma ekuqaleni sihweba nge- € 10,000 singabeka uphahla ekulahlekelweni kwethu bese sinquma ukuthi uma sifinyelela iphuzu elithile sizokuyeka ukuhweba. Lokho kwehla nokusika iphuzu, okufana nokuhlangenwe nakho kwethu okuningi njengabahwebi, kufanele kube yisinqumo somuntu siqu.
Ukuhlangana ngokumelene nobuhlakani obujwayelekile empeleni kunamaphuzu amabili ahlukanisayo futhi abucayi okudonsela phansi hhayi elilodwa futhi ahlobene nokuthi sikala ukwehla kuphi. Singakwazi ukukala ukwehla kusukela ekuqaleni kwe-akhawunti yethu yokuhweba, noma kusukela lapho i-akhawunti ikuyo nganoma yisiphi isikhathi esithile. Isibonelo, uma i- € 10000 yethu yehlele ku- € 8000 sihlangabezane nokwehla kwamaphesenti angamashumi amabili. Kepha uma sithathe i-akhawunti yaze yafika ku- € 12000 bese sithola ukuwela ku- € 8000 ukwehla kungakhonjiswa njengokuwa kwe-33.33% noma njengokuwa kukaphepheni woqobo wama-20%.
Ngokwemvelo isilinganiso esisodwa seqise kakhulu kunenye. Ngenkathi imibono ihlukahluka umhlangano ukwahlulela ukwehla kusuka esiqongweni okuhlangenwe nakho kwe-akhawunti. Uma kungenjalo-ke ingozi ukuthi umhwebi ngamunye akasebenzisi umthelela ophelele walokho okufanele kube isu elihlulekayo. Uma lokho kuphakama kuyisibalo sokuqala sosonhlamvukazi, noma isibalo ngemuva kokuthi i-akhawunti ihlanganisiwe futhi yakhula, khona-ke ukuze uhlale unengqondo futhi ugxile kumhwebi kufanele athathe isilinganiso esilinganisweni esiphakeme ngokuphelele.
Ngokobuchwepheshe okukodwa ukulahlekelwa ukuhweba kukubeka endaweni yokudonsela phansi, uma usebenzisa ubungozi obunconywayo be-1% ngokuhweba ngakunye kuzodingeka ukuthi kube nokuhlangenwe nakho kochungechunge lwamashumi amabili okuhweba okulahlekile. Ngokwezibalo lokhu akunakwenzeka ukuthi ngenhloso yengxoxo ake sikhethe isibalo abathengisi abaningi abasifakazele ngokwabo njengesibalo sabo sokudilizwa esilimazayo, esingu-15%. Manje ekusebenziseni lesi sibalo ngiziba ama-akhawunti okuqala amaningi azoqala ngawo, ngibhekise ku-akhawunti yokuqala eyinhloko. Ngenkathi ngaleyo ndaba (futhi ngingaxolisi uma ngishumayeza abaguquliwe), ungalokothi uqale ukuhweba i-FX uze usebenzise i-akhawunti encane encane. Leyo akhawunti encane, ngemuva kokusebenzisa i-akhawunti yedemo, kufanele ibhekwe njengofundela umsebenzi futhi kufanele ube ngumfundi ebhizinisini leFX ngaphambi kokuthi ekugcineni ube ngumthakathi.
Kuzoba nezilingo eziningi zokushintsha umugqa nobuchule obakha abathengisi onqenqemeni lomgwaqo babhekane nokudonswa kanzima. Akungabazeki ukuthi isibuko sokuhweba sokubuka ngemuva sizobe sibhekwe ngaphezu kukaMama obeka i-lipstick yakhe ngaphambi kokushiya izingane zakhe esikoleni. Ukuthi sifika kanjani kukwehla okunje, ukuthi iyiphi indlela yokubhekana nayo esiyibekayo nokuthi sibuya kanjani, ngokubuka kwe-akhawunti nangokwengqondo, kuzoba yindaba ingxenye ezimbili lokhu kuphawula ..
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