Khawuleza kwiDraw ukuze ukrwele umgca ngaphantsi kokuDilika kwakho
Igama "ukwehla" linye, (ukuba ayililo elona likhulu), amagama angalunganga asetyenziswa kwishishini lokurhweba. Ngaphandle kokungaphepheki kwethu ekufumaneni ukwehla ngexesha lomsebenzi wethu wokurhweba ubudlelwane bawo obuhambelanayo namagama "ukusilela" kunye "nelahleko" kwenza ukuba kube yingcinga enzima ukulwa nayo.
Ayikhathazi nje kuphela 'ngeakhawunti yomrhwebi, kodwa ikwabetha ukubetha kwengqondo okunokuthatha ixesha ukubuyela kuyo. Nangona kunjalo, kukho izinto ezintle kwigama kunye nokusetyenziswa kwalo. Nantsi enye, ungaze uthathe nawuphi na umrhwebi ngokungathí sina xa bengayiqondi ingcinga okanye bengavumi ukuba bakha bafumana ukwehla okukhulu.
Khawufane ucinge ukuba uye kwindibano yokurhweba ngokomzekelo eLas Vegas, kwaye emva kweziselo ezimbalwa ebharini waqala ukuxoxa ngokuthengisa kwakho 'ngamabali emfazwe' kunye neqela elincinci. Njenge 'vets ezivela' kuNam 'uya kuba nezikratshi kwaye uphume amanxeba kunye neentsomi ukuxelela kwilokhi yakho eyenzakeleyo. Ngaba ungamthatha ngokunyanisekileyo omnye umrhwebi ongenayo 'intsomi evela endulini' ukuba ayibalise ngokubhekisele kwizifundo zobomi abazifundileyo ngexesha nasemva komdlalo wabo wokuqala omkhulu wokudubula kwaye baphume ..? Mhlawumbi kufanele kubekho ukwehla okungaziwa ...
Molo, amagama am nguPaul, sekuyiminyaka emithathu ngoku ndigqibele ukubethwa ngumoya, ndenza ok, inyathelo elinye ngexesha, ndithatha usuku ngalunye njengoko lusiza, ndilugcine luyinyani kwaye ndihlala ndicocekile ngoncedo lweqela . Bekunzima ngamanye amaxesha, ndiyazi kwaye ndiyasamkela isilingo sihlala sikhona, bendicinga ukuba ndizokwabelana ..
Ukuhla kwezinto akunakuphepheka yinxalenye yohambo lomrhwebi kunye namava njengokuphulukana nomsebenzi, akunakuphepheka. Kukho ukuqiniseka okumbalwa kwilizwe lethu lokurhweba lokungaqiniseki kwaye le inye; ukuba uthengisa uzama ukuphepha ilahleko kunye nokuhla kwazo zonke iindleko uya kusilela. Ukuthatha i-positives kwi-drawdown kuqondile, uyazi ukuba 'usemdlalweni' kwaye uyidlale ngendlela eyiyo ukuba uyabafumana. Ukhumbula ukuba ukunye, ufike njani apho kunye nento onokuyenza ukuyilungisa, konke kuyinxalenye yesicwangciso kwaye ngenxa yoko kufanele ukuba kubekhona kwisicwangciso sakho sokurhweba. Ukuba akunjalo kuya kufuneka ulungise ukungabikho pdq.
Sinokuchaza ukwehla njengokuncipha kwenqanawa ngexesha lokurekhodwa kwexesha elithile lotyalo-mali, ingxowa-mali okanye imveliso yorhwebo. Ukwehla kuhlala kucatshulwa njengepesenti phakathi kwencopho kunye nomkhombe. Ukuhla komlinganiso kulinganiswa ukusuka kwixesha lokudendwa ukuqala ukuya kufikelela kwinqanaba eliphezulu. Le ndlela isetyenziselwa kuba intlambo ayinakulinganiswa kude kube yinto entsha ephezulu. Nje ukuba kufikelelwe kwinqanaba elitsha, ipesenti yenguqu ukusuka kwinqanaba elidala ukuya kwelona lincinci lokurekhodwa.
Kwezemali, ukusetyenziswa kokutsalwa okuphezulu njengophawu lomngcipheko kuthandwa kakhulu kwihlabathi labacebisi kurhwebo lwempahla ngokusetyenziswa ngokubanzi kwamanyathelo amathathu okusebenza: i-Calmar ratio, iSterling ratio kunye neBurke ratio. La manyathelo anokuthathwa njengokulungiswa komyinge weSharpe ngengqondo yokuba inani elinyanisekileyo lihlala lingaphezulu kwembuyekezo engenamlinganiso ngelixa umngcipheko osemgangathweni ubuyile kwidinomineyitha uthathelwa indawo ngumsebenzi othile wokuhla.
Zininzi izinto zokubala ezifumaneka kwi-intanethi, zihlala zisetyenziswa ngabadla umhlala-phantsi ukubala umrhumo wepenshini oya kuwuva xa bethatha isixa semali kwi-annuity yabo iyonke. Njengabarhwebi kunyanzelekile kuthi ukuba sibeke esweni rhoqo nakuphi na ukwehla esinokuthi sifumane amava okuqinisekisa ukuba nayiphi na impembelelo igcinwe ngaphakathi kwesicwangciso sokuthengisa. Sinokusebenzisa ubalo olusisiseko ukuqinisekisa ukuba sigcina ngaphakathi kweeparameter ezimiselweyo kwangaphambili. Umzekelo, ukuba siqala ukurhweba nge- € 10,000 singabeka isilingi kwilahleko yethu kwaye sithathe isigqibo sokuba ukuba sifikelela kwinqanaba elithile siza kuyeka ukuthengisa. Oko kwehla kunye nokusika inqaku, ngokufanayo kumava ethu njengabarhwebi, kufuneka ibe sisigqibo somntu.
Ukuhlangana ngokuchasene nobulumko obuqhelekileyo enyanisweni kukho amanqaku amabini ahlukileyo kunye nokubaluleka okubalulekileyo kokudiliza hayi enye kwaye zinxulumene nalapho silinganisela khona ukwehla. Singalinganisa ukwehla ukusukela ekuqaleni kweakhawunti yethu yorhwebo, okanye kwisikhundla iakhawunti ekuyo nangaliphi na ixesha elinikiweyo. Umzekelo, ukuba i- € 10000 yethu iwele kwi- € 8000 siye safumana ukuhla kwepesenti engamashumi amabini. Kodwa ukuba sithathe iakhawunti ukuya kuthi ga kwi-12000 yeerandi kwaye emva koko safumana ukuwa ukuya kwi- € 8000 ukwehla kungabonakaliswa njengokuwa kwe-33.33% okanye njengokuwa koovimba abakhulu be-20%.
Ngokwendalo umlinganiso omnye ugqithise ngakumbi kunomnye. Ngelixa izimvo ziyahluka kwindibano kukugweba ukwehla kwinqanaba lamava e-akhawunti. Ukuba akunjalo ke ingozi kukuba umrhwebi ngamnye akayithathi yonke into emayibe sisicwangciso esiphumelelayo. Ukuba loo nto incopho yenani lokuqala lenkunzi, okanye inani emva kokuba iakhawunti idityanisiwe kwaye ikhulile, ukuze uhlale unyanisekile kwaye ugxile kumrhwebi kufuneka athathe umlinganiso kwincopho ephezulu.
Ngokobuchwephesha ukuphulukana norhwebo kukubeka kwindawo yokwehla, ukuba usebenzisa umngcipheko we-1% kurhwebo ngalunye emva koko uthotho lwamashumi amabini okuphulukana nomsebenzi kuya kufuneka ukuba ube nalo. Ngokwezibalo oku akunakulindeleka ukuba ngenxa yengxoxo masikhethe inani abathengisi abaninzi abaye bangqina ngalo njenge-'rocker locker 'ye-15%. Ngoku ekusebenziseni eli nani andikhathaleli iiakhawunti zokuqala ezininzi eziza kuqala, ndibhekisa kwiakhawunti yokuqala ephambili. Ngeli xesha ngalo mbandela (kwaye andenzi uxolo ukuba ndishumayela kuguquko), ungaze uqale ngokurhweba ngeFX ude usebenzise iakhawunti encinci encinci. Le akhawunti incinci, emva kokuba usebenzise iakhawunti yedemo, kuya kufuneka uthathelwe ingqalelo njengowufundela umsebenzi kwaye kufuneka ube ungumfundi kwishishini leFX ngaphambi kokuba ekugqibeleni ube ngumthakathi.
Kuya kubakho izilingo ezininzi zokutshintsha i-strat kunye nobuchule obenza abathengisi bendlela kwindlela yokufumana ubunzima obukhulu. Ngokuqinisekileyo isibuko sokurhweba ngasemva siya kujongwa ngaphezulu kokuba uMama ebeka imilebe yomlomo phambi kokuba ayeke abantwana esikolweni. Ukufika kwethu kolo hlaselo, yeyiphi indlela yokujongana nendlela esisebenza ngayo kunye nendlela esibuya ngayo, ngokwembono yeakhawunti nangokwengqondo, iya kuba ngumxholo inxalenye ebini yeli gqabaza ..
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