Kunzwisisa Mhando dzeKubhadhara Mazano Unogona Kuzarura
Cash Accounts
Cash account haibvumiri chero kukwereta kwemari ( kutengeserana pamusika ) kubva kune mutengesi kana mari yezvemari.
Chero mishonga inofanirwa kubhadharwa zvakakwana, mune mari, neyakadiwa chekugadzirisa. Izvi zvine maitiro anobatsira ekudzivirira kukwanisa kuisa mhizha kakawanda sezvo zvingave zvisingawanikwi mari yakagadzirirwa uye yakagadzirira kuisa mukati memari yako panguva yaunoda kuisa urongwa hwekutenga. Saizvozvowo, iwe unoda kumirira kusvika kugadzirisa kuti uite kubvisa mari yakasimudzwa kubva kutengesa kutengesa. Nhamba dzakachengetwa mubhuku remari hazvibhadharwi nevatengesi vashoma . Pasina chikwereti chemari, varimi vanochengetedza kuchengetedzwa mukati mekodha yemari havazombovi pasi pekudanwa kwepamusoro mukati mekambani uye havazofaniri kunetseka pamusoro pekugadzirisa rehypothecation kana hyper-rehypothecation. Cash account haigoneki pfupi . Cash account inofanirwa kuzvibata zvakanyanyisa pakurongeka nemasarudzo (semuenzaniso, chero mapepa akanyorwa akanyorwa zvakazara uye chero ani zvake anoisa izvo zvakanyorwa zvinofanira kunyatsochengetedzwa nemari inoshandiswa mumutambo wezvokuvhiya, nezvimwewo)
Margin Accounts
Nhamba yemakambani inobvumira kuti nyore kukwereta mari kubva kune wako mutengesi, kana kuti kuenzanisa kudzoka kana kukwira kwemari kushandiswa sekureva kugadzirisa matanho kana kugadzira chekuita chekwereti nokuda kwekushandira mari yako . Pasina ruzivo rwako, chekuchengetedza chaunenge uine mubhuku rako remajeri kunogona kubhadharwa kune vatengesi vashoma kuti vawane mari yakawedzerwa kune mutengesi.
Mune mamwe mamiriro ezvinhu, kana izvi zvikaitika uye vatengesi vashoma vanovhara mubhadharo wemugoverwa wamunofanirwa kugamuchira, hamuzobvumirwi kutora chikamu se "mugove wakakodzera" zvichienderana nemitero yakaderera yakaderera, asi inofanirwa kubhadhara mitero yemunhu oga it. Izvi zvinogona kuita kuti iwe ubhadhara kaviri kudarika mutero waunenge wakadai wakabhadhara nokuti wako mutengesi akanga achiedza kuwana mari yakawanda nokuda kwezvinyorwa zvake zvekuwana pamari yako. Uyezve, iwe unogona kunge uri pasi pekugadzirisa rehypothecation kana kuti hyper-rehypothecation ngozi.
Zvigaro zveMari yekutengeserana kweAkaunti dzeCash
Kana mabhizimisi ekutengesa , zvisungo, zvisarudzo, kana kuchengetedzwa kwepfuma yeHarare , izvo zvinonzi "nguva dzose kugadzirisa" zvinoda kuti iwe upe mari (kana uri kutenga) kana yekutengesa (kana uri kutengesa) pakupera kwemazuva mashoma anotevera musi webhizimusi iwe pachako. Izvi zvinowanzoratidzwa se "T + [isa nhamba yemazuva pano].
Maererano ne Securities and Exchange Commission , kana SEC, kwemakore akawanda, iyo yakagadziriswa purogiramu yakagadziriswa yaiva T + 5. Zvisinei, kupfuura makore gumi apfuura, ikozvino maitiro ekutengeserana kwezvokutengeswa kwekateti akaiswa panzvimbo. Izvo zvinotevera:
- Nzvimbo Dzakabatana = T + 3
- Bonds Bonds = T + 3
- Zvokusarudza (Tsamba uye Puts) = T + 1
- Mari yeUnited States Bills, Bonds, uye Notes = T + 1
Maererano neFINRA, "Federal Federal Board's Regulation T uye SEC Rule 15c3-3 inopa mukana wekuwedzera kwechikwereti nevatengesi-vatengesi kuvashambadziri kana vasina kukurumidza kubhadhara mari yekutengeserana." Izvi zvinoita kuti zvikwanise kuwedzerwa kuburitswa kwebhizimisi mamwe mazuva maviri, nokuda kwekuti T + 5 inoshanda. Zvakananga, Mutemo T unotaura kuti kana kukanganisa kuri kudarika $ 1 000 muhutano, mutengesi anofanira kuita sarudzo: chengetedza nzvimbo kana kubvunza kusunungurwa kubva kuvarongi. SEC Rule 15c3-3 inotaura kuti kana yakachengetedzwa kwenguva refu (ichiti: imwe isina kutengeswa pfupi) haina kuendeswa mukati memazuva gumi ebhizimisi mushure mekugadziriswa, mutengesi anofanira kutenga zvishandiso zvekutsvaga kune mutengi kana kuti akakumbire kusunungurwa kubva kune vatongi.
Pamusana pokuti mutengesi wako ane basa rekugadzirisa matanho kunyange iwe usingauyi nemari inodaidzwa kana chekuchengetedza, ine kodzero yekukutarisa iwe nemari, uyewo kutora matanho ekugadzirisa kuti udzivirire chido chayo kana iwe unokundikana kukudza mari yako. Fungidzira kuti iwe wakapinda mutengo wekutenga wemiganhu yakawanda asi hauna kuuya nemari yekubhadhara iyo iyo yebhizimisi yakaenda kugadzirisa. Mutengesi anofanira kuitora kubva muhomwe yake ozosarudza kutengesa zvikamu kuti awane mari yacho. Kana iyo mutengo wematengo yakaramba panguva ino, inogona kukuteverai nemari yakarashika pamutengesi semugumisiro wekufamba mumatengo emusika. Izvi zvinogona kukufumura iwe kurasikirwa kukuru.
Kana iwe kakawanda uchikundikana kugadzirisa maitiro mukati memari yako yemari, wako mutengesi anogona kuvhara akhawunti yako uye kukurambidza iwe kuita bhizimisi pamwe chete. Uyezve, kana iwe ukatengesa nokukurumidza kusvika pakupedzisira iwe uri kutenga chikamu chinotenderera chinobva mukugadzirisa kwekugadzirisa, iwe unogona kurohwa nemaonero anonzi Mutemo T, izvo zvichaita kuti account yako ive yakaoma kwemazuva 90.