Wanamathela Ngomzuzwana
Ngakho-ke ujule emihlathini ye-drawdown futhi uhlala lapho ubheke umqaphi uzibuza; "ngize kanjani lapha?" Ubheka amashadi, ibhalansi ye-akhawunti, ubuyele kumashadi, ibhalansi ye-akhawunti bese iqiniso lishaya; ihambile, ayisabuyi futhi kuzothatha impi yangempela ukubuyisela emuva lapho wawukhona ekuqaleni, ingasaphathwa eyokuqala ukwakha i-akhawunti futhi. Uma le akhawunti yokuhweba 'ingukuphila negazi' lakho futhi ngaleyo ndlela ifaka phakathi inkokhelo othembele kuyo ukuze uzondle wena kanye nomndeni wakho, khona-ke lokhu kushaywa kuhlasela kakhulu njengoba ubona ukuthi kungathatha izinyanga ukululama. Empeleni kungalezi zikhathi zokuvivinywa lapho sithola khona ukuthi senziwe ngani ngempela, kepha asinaso isikhathi sokubheka imikhumbi nokucabangisisa, sinenkinga edinga ukulungiswa, ngokushesha. Le ngxenye yesibili ye- i-athikili yokudonsela phansi esiyiqambile ayikhathaleli inqubo kuphela ukuphatha imali nokuziphatha. Sizophakamisa iphuzu lokusika lapho indlela kufanele ishintshe khona, kepha hhayi ukuthi iyiphi leyo ndlela okufanele inikezwe leyo inkinga yangasese.
Njengengxenye yohlelo lokuhweba oludalile bekufanele uqaphele izigaba ezithile; ubungozi bakho ekuhwebeni ngakunye, umvuzo wakho wobungozi okulindelwe futhi njengokubaluleke kakhulu kwezingqophamlando 'zokwehluleka' noma ukusika amaphuzu. Lawa maphuzu anqunyiwe abalulekile yizimpumelelo ezibucayi ohlelweni lwakho lwebhizinisi. Yimigqa emgodini wakho wesihlabathi ongasoze weqa kuyo, Izosiza ukukhawulela ukulahleka kwakho ngokuhweba ngakunye futhi ekugcineni kugcine ukwehliswa okuphelele owutholayo kube ubuncane impela.
Okokuqala ake sibheke ukwehliswa okwedlulele okwamukelekayo, sizosebenzisa isibalo, okuthi noma seqise kakhulu, samukelwa ngokuvamile ngabadayisi abaningi 'njengendawo yokungena'. Iphuzu lapho uguqula khona inkomba, noma ebhizinisini labadayisi lapho uyeka khona ukuhweba bese ubhala kabusha ukuhweba kwakho nohlelo lwebhizinisi jikelele. Amaphesenti ayishumi nanhlanu kufanele kube yindawo yokunqamula. Cabanga ukuthi yisibalo esiphakeme leso? Nami ngokunjalo, yingakho ngizophakamisa futhi ngikhombise indlela esobala yokuqinisekisa ukuthi ukwehla okuphezulu ngaphambi kokushintsha kufanele kube ngamaphesenti ayishumi.
Kepha ake sihlaziye futhi sisebenze nalokhu kwehliswa kwamaphesenti ayishumi nanhlanu njengesiqalo, sizokusebenzela emuva ngohlelo lwethu bese sizama ukuhlukanisa iphuzu lapho izinsimbi ze-alamu zingaqala ukuzwakala khona ngaphambi kokuba lelo nani lamaphesenti ayishumi nanhlanu lifinyelelwe. Masikubone ngeso lengqondo njengomvikeli wokuqhuma, uvimbela i-akhawunti yakho ekutholeni ukwethuka okubulalayo, noma uhlelo lwakho lokuhweba ekulimaleni okubizayo.
Ochwepheshe be-forex swing-abadayisi kufanele babe sengozini engaphezulu kwe-1% ye-akhawunti yabo ngokuhweba ngakunye. Uma ukuhweba i-EUR / USD kuphela bangalindela ukuthatha ukuhweba okungaphezu kokuyisihlanu nanhlanu ngesonto. Lesi silinganiso mhlawumbe singabandakanya abawinile ababili, abahluliwe ababili (ukwephula umthetho noma ukusondela ngasesitobhini) futhi mhlawumbe ukuhweba okuklwebhile okukodwa okungachazwa njengokwehlulwayo kepha kube yisiginali yamanga. Ngokuma kwamapayipi ayi-100 futhi sihlose ukuthola u-R: R ka-1: 2 singadinga uchungechunge lwabanguhluli abayishumi nanhlanu ochungechungeni ukuze sifinyelele iphuzu lethu lesisekelo ngokusekelwe ekubaleni ubungozi be-1% kwisamba semali yoqobo hhayi ngesilinganiso esinciphayo. Uma kunciphisa ubungozi bephesenti, njengoba ibhalansi ye-akhawunti inciphisa, uchungechunge lokulahleka kuzodingeka lusondele ekuhwebeni okungamashumi amabili (ukushaya ukulahleka okuphelele kwe-1% ekuhwebeni ngakunye) ukushaya ukwehla okungu-15%.
Ukucabanga ukwamukela uchungechunge lwama-circa angama-15 kuya ku-20 alahlekelwa ngamathenda ngaphandle kokuchibiyela isu lakho eliphelele kuyisiqalekiso esiphelele kubathengisi abaningi. Ngakho-ke kungakuhle ukufaka ohlelweni lwakho lokuhweba inani lokulahleka ochungechungeni, kungakhathalekile isikhathi esibekiwe, obungakulungela ukubekezelela ngaphambi kokwamukela ukuthi isu lakho alisebenzi nje. Uma ujika ukuhweba uma ungazange uzuze owinile ngaphezu kochungechunge lwezentengiselwano eziyishumi, ngemuva kwamasonto angaba mabili okuhweba, uzoqala ukungabaza ukusebenza kwesu lakho. Ukwazi ukuthi ukuphatha kwakho imali kuzwakala ukuphela kwendaba kungaba ngamasu akho okuhweba.
Amathuba okuhlangabezana nokuhweba okulahlwayo okungu-15-20 ochungechungeni, konke okukhipha ukuma kwakho nobungozi obukhulu bephesenti elilodwa ngokuhweba ngakunye, usebenzisa inqubo namasu afanayo, akuvamile kakhulu. Zincane kakhulu izingqinamba ezincane ngendlela emangalisayo. Uma uchungechunge olungenakuphikiswa lokuhweba okuyishumi nanhlanu olusebenzisa isu elifanayo kubuyisa ukulahleka okuyishumi ukuklwebheka okubili nabaphumelele abathathu ungakubheka njengokuyinhlekelele kakhulu futhi ungabaze isu lakho lonke. Leyo phethini ingaholela ekulahlekelweni kwe-akhawunti jikelele okungaphansi kwamaphesenti ayishumi kunikezwe ukulahlekelwa okuningi okungeke kufinyelele ekulahlekelweni okuphelele okungu-1%. Ngakho-ke mhlawumbe sesivele sihlukanise ukwehla okuyiqiniso ngokwengeziwe ngokususelwa ekusatshalalisweni kwemiphumela okungahleliwe kusuka ekuhwebeni. Ukwehla kwethu akumele neze kudlule amaphesenti ayishumi ngaphambi kokuthi ucabange ngoshintsho olukhulu kusu lakho lonke. Manje kubalulekile ukumisa isikhashana ukucabanga ukuthi kunoma yiluphi uhlelo lwebhizinisi olusha uma singadweba umugqa ngaphansi kokulahleka kwethu kokuqala ngamaphesenti ayishumi otshalomali lwethu lokuqala singakubheka njengokwamukelekayo.
Inkinga eyodwa esemqoka lapho uhlangabezana nokwehla yisikhathi, uma ujika ukuhweba ipheya elilodwa lwemali bese uhlangabezana nokwehla kwamaphesenti ayishumi (ngokuya ngokungahambisani nochungechunge lwezohwebo oluyishumi nanhlanu okukhulunywe ngalo ngaphambili) ngakho-ke kufanele kuthathe amasonto amathathu ukuthi kungene. Lokhu kukunika isikhathi esanele 'sokuhlaziya kahle' ukuhweba ngakunye futhi mhlawumbe uhlukanise noma yimaphi amaphutha akhanyayo obewenza. Awunakho lokhu okunethezeka lapho uhweba ngesikali noma ngosuku. Kunesinye isici esibalulekile lapho uhlangabezana nokudilizwa kokuqala kokudonswa okungahle kwenzeke, isilingo sokushiya isu lakho jikelele sinamandla. Ungahle uthande ukuklebhula uhlelo lwakho ngemuva kokulahlekelwa ngamaphesenti amahlanu, noma ngokujwayelekile uzongena kugobolondo bese uguqula ubungozi bakho ngokuhweba ngakunye, mhlawumbe uyihlukanise nengxenye engcupheni yephesenti ye-akhawunti ngokuhweba ngakunye. Uma samukela (njengoba kufanele) ukuthi amathuba okuyisici esiyinhloko sokuhweba uma-ke, noma kungenzeka kakhulu ukuthi, ukuhweba okuwinayo kuzokwenzeka nakanjani kuzothatha isikhathi eside ukuthola ibhalansi yakho yokulingana nokuhweba.
Ngokufingqa ukwehla, okufana nokulahleka, kuyisici esingenakugwenywa ekuhwebeni. Uma usuvele ufake isigaba kuhlelo lwakho lokuhweba olunesihloko esithi "ukwehla" khona-ke uzoqhubeka futhi uzilungiselele kangcono kunabathengisi abaningi abazibandakanya nezimakethe. Uma kulolo hlelo umaka 'izinyathelo ezinkulu zokuhluleka' bese ufaka ukuvikelwa okungalungile kokuvikela uzokhawulela ukulahleka kwakho. Uma ushintshanisa ukuhweba uzozinika isikhathi sokululama futhi ngokwenza kanjalo uzokwazi ukunquma ukuthi indlela yakho iyindawo ebuthakathaka kakhulu ku-3 Ms wakho; ukuphathwa kwemali, ingqondo nendlela.
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