Impumelelo ekuhwebeni kwe-FX yokudayisa ihlobene futhi kufanele ibe ngeyakho.

Eph 23 • Ukuthengiswa Kwama-Forex Izihloko, Amazwana eMakethe • Ukubukwa okungu-2426 • Amazwana Off kokuthi Impumelelo ekuhwebeni kwe-FX kuhlobene futhi kufanele kube okomuntu siqu.

Ukwahlulela ukuthi yini emele impumelelo ekuhwebeni kwezitolo kuyinkinga encike kakhulu, njengoba bonke abathengisi bengabantu ngabanye, abekho abacabanga ngokufanayo futhi bonke banezizathu ezihlukene kanye nesisusa sokuhweba. Inguqulo yomthengisi oyedwa yalokho okumelela impumelelo yomuntu siqu, ingaba inguqulo yomunye yokwehluleka. Bonke abathengisi banezifiso kanye nezinhloso futhi bonke abahwebi banquma ukuhlanganyela nezimakethe, ngomzamo wokukhipha inzuzo, ngenxa yezizathu ezihlukahlukene. Imibono yabo yalokho okumelela impumelelo ihlobene futhi inomuntu siqu. Ukubuyisana kanjani okungenzeka futhi okungenzeka, ukuhlanganisa le mibono kanye nezifiso zakho siqu, kumelela enye yezinselelo ezinkulu kakhulu abadayisi bezitolo ababhekana nazo.

Ngokumangazayo, naphezu kokuhweba kwe-FX okudayisa kuyimboni esekelwe kakhulu, iningi labadayisi lingase lizithulele ukuveza, noma lididekile, lapho kuxoxwa ngesihloko sezifiso zokuhweba. Kodwa njengoba ungase ubeke izinhloso zenzuzo zansuku zonke ezingaba khona, kufanele futhi ubeke izimpokophelo zokuphila, maqondana nalapho ukuhweba kwe-FX kungakuyisa khona. Akwanele ukumane uthi “Ngingathanda ukuthi i-FX ingenze ngicebe”, njengoba kungekona nje kuphela ukuthi isifiso esinjalo singahlekiswa ontanga yakho, futhi mancane amathuba okuba senzeke, ngokusekelwe kudatha yomlando namamethrikhi, ukuthengisa. Imboni ye-FX ishicilela njalo.

Uma ufunda izinkundla zokuhweba ze-FX ezaziwa kakhulu futhi ufune impendulo yombuzo; "bangaki kini abacebile ngokuhweba iFX?" umbuzo uhlangatshezwana nokuthula okuvala izindlebe, ngokwezimpendulo ezibhaliwe ezinhle. Izimpendulo ezihlakaniphe kakhulu neziqondakalayo, ezivela kubanikeli abaphumelele kakhulu nabangakholakala, zizoqukatha izikhombo ezithi: “ukugcwaliseka, ukukhula komuntu siqu, ukuthuthukiswa okunesizotha ekuvikelekeni kwezezimali” njll. Akekho, onodumo oluthembekile, oyothi unalo, isibonelo; uguqule u-$5k waba u-$500k, noma u-$50k waba u-$5million.

Abahwebi abaphumelelayo, abanokuhlangenwe nakho, kungenzeka ukuthi baqale ohambweni lwabo lokuhweba ngezifiso ezingenangqondo, ezigqugquzelwa ubuzwe babo bemvelo nomdlandla, imizwelo eshesha ukucasuka, njengoba besebenzisana nezimakethe ngokuhamba kweminyaka. Abaningi bazofakaza ukuthi ukube babazi ezinsukwini zakuqala ukuthi inselelo yokuhweba nge-FX imele, bebeyozibekela imigomo nezifiso ezingokoqobo, ebebezofinyelela kuzo ngaphambili futhi benengcindezi encane kakhulu. Kuyisiphetho esinengqondo; uma uzibekela umgomo wokuba umhwebi onekhono kakhulu, oguqula i-$5k ibe i-akhawunti ye-$15k phakathi neminyaka emithathu, ngokusobala isifiso esinengqondo nesifinyelelekayo kunokuguqula i-akhawunti engu-$5k, ibe yi-akhawunti ka-$500k.

Isizathu sokuthi iningi labadayisi abasafufusa linganamathiseli lokho okuhlosiwe okungokoqobo ezifisweni zabo yinkinga eyinkimbinkimbi, ngokwengxenye isekelwe ebugovuni, kodwa cishe ihlobene: nokungabi nacala kwamehlo abanzi, ukuzidla kanye nokungazi. Ukusebenzelana nezimakethe kuphela, kanye nesingeniso esingenakugwenywa sokwehluleka, ngazo zonke izinhlobo nokubonakaliswa kwayo, okuzogcwalisa abahwebi ngamazinga adingekayo okuthobeka, ukuze bahwebe ngempumelelo.

Ukusetha izinhloso zakho zokuhweba futhi uthole ukuthi yini okumelela impumelelo yakho yokuhweba, kufanele kubandakanye ukuqonda okujulile nokwamukela izizathu zakho zangempela zokuhweba. Futhi lezi zifiso kufanele zinamathiselwe ezingeni le-akhawunti onayo, ikakhulukazi uma uhweba endaweni enamazinga alinganiselwe we-average futhi ngenxa yalokho izidingo zakho zemajini zizothinteka. Uma une-akhawunti ka-$5k futhi isifiso sakho uwukuthola ukukhula kwe-akhawunti okungu-1% ngesonto, ngaphambi kokubala isici sokukhula esihlanganisayo, khona-ke uhlose ukukhulisa usayizi we-akhawunti yakho ukuze ufinyelele cishe ku-$7,500, unyaka nonyaka.

Kumele kuqashelwe ukuthi mayelana nempumelelo yokudayisa, ukukhula kwe-akhawunti okunjalo kwe-circa 50%, kungaba ukusebenza okuvelele, ngokusekelwe ekutholweni kwe-ESMA ukuthi cishe i-80% yabadayisi bezitolo balahlekelwa yimali. Manje kufanele ucabange ukuthi uma ubeka imigomo enjalo, yiziphi izinhloso zakho, maqondana nenzuzo egciniwe. Akunakwenzeka ukuthi uguqule indlela yakho yokuphila, uma ukhulisa i-akhawunti yakho ngo-$2,500 ngonyaka, kodwa kungenzeka; khokhela iholide lomndeni, umhlobiso wendlu odingeka kakhulu, noma isipho esiwubukhazikhazi. Kodwa ukuzuza okunjalo ngeke kube yinto eshintsha impilo.

Okungase kube ukushintsha impilo indlela ofinyelele ngayo ezinzuzweni. Uma ubeke izinzuzo ngokunamathela ngokwenkolo ohlelweni lwakho lokuhweba; ulalele yonke imithetho yakho, awuzange ugudluze izitobhi noma imiyalo yomkhawulo wenzuzo, uhlale uqinile mayelana nokulahlekelwa kwe-circuit breaker ngosuku kanye nokudonsela phansi kwakho njll. khona-ke leyo mpumelelo ibaluleke kakhulu, kunesamba esincane oyobona i-akhawunti yakho ikhula ngayo. Uzobe usuthuthukise unqenqema, unqenqema lomuntu siqu, uma ufaniswe nezifiso zakho lokhu kuphumelela okunamandla kungakunikeza imali engenayo engaguquki, okukuvumela ukuthi ufeze zonke izifiso zakho zokuhweba ezingokoqobo. Nganoma isiphi isilinganiso futhi ngokuvumelana nombono womunye umthengisi, uyobe usuchazwa ngokufanelekile njengophumelele.

Amazwana zivaliwe.

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