Ndechipi Chinyorwa Chebhuku reKubhadhara rakakunakira iwe?
Usati watanga kutengesa mabhizimusi, unofanirwa kuzarura kambani nemutengi wako. Zvichienderana nemhando ipi yemutengesi wamunosarudza, kuzarura kambani inogona kubva kubva kune munhu chaiye kusvika pakuita zvisingaiti.
Kune mhando dzakasiyana dzakasiyana dzekodha dzakawanda dzevatengesi dzinopa kuwedzera kuhutano hwebasa raunowana kubva kumarudzi akasiyana evatereji. Chokutanga, ngationei kuti iyo miviri yakasiyana yevatengesi inogadzira sei makonti uye zvino tichazotarisa pamhando dzakasiyana dzekodha.
Full-Service Broker
Muchengeti webasa rakazara achada kugara pasi iwe nemumwe wako kana shamwari yako uye uende pamusoro pemamiriro ako emari mune zvimwe zvidimbu. Iye achange achida kuziva nezvemhosva ipi neipi, mari mubhangi, chero yekutengeswa kana mari yemari yaunayo, mararamiro epamberi, inshuwarisi, imba yeimba, vana, nezvakadaro.
Hazvirevi kuti havasi ivo - vanofanirwa kuunganidza ruzivo urwu vasati vangaita mazano kune iwe pamusoro pezvikwereti. Mune bhizinesi, inonzi, "ziva mutengi wako." Kana mutengesi akaita sarudzo dzisina kufanira kune mumwe munhu nokuti iye asina kutora nguva yekuwana zvose pamusoro pemamiriro ekutengesa kwemutengi, mutengesi anogona kutarisana nemirango yakaoma.
Iyi ndeimwe yebasa raunenge uchitenga nemakomisheni iwe unobhadhara mubhadharo wakakwana-mazano - mazano akakodzera iwe uri mumwe wezvemari. Vashandi vakawanda vanofunga kuti mari yakashandiswa zvakanaka.
Discount / Online Brokers
Vatengesi vanokurumidza uye vari muIndaneti havabatsiri mazano uye havaiti mazano; saka, kuisa nharo navo ndezvishoma zvakanyanya. Kunezve mafomu ekuzadza uye mibvunzo yekupindura, asi hapana munhu achauya kumba kwako uye otarisa bhokisi rako.
Iwe uri wega pachako pakusarudza kana shato yakakodzera iwe.
Mimwe mhando dzekutsvaga (maitiro, ramangwana, nezvimwe zvikwereti zvinotyisa) zvinoda iwe kuti uone kuti uri muchengeti ane ruzivo, anokwanisa kunzwisisa njodzi dzinosanganiswa nemuchina.
Account Types
Kune marudzi akawanda emakero ayo vakawanda vatengesi vanopa. Dzinosanganisira:
- Cash Accounts
- Margin Accounts
- Discretionary Accounts
Panogona kunge kune vamwe izvo zvakanyanya kune zvikwereti zvemunhu oga, asi zvichave kuchinja kweimwe yezvi zvitatu.
Cash Accounts
Nhoroondo yekodha ndiyo inyoresa yekodha rekwereti uye yekutanga iwe uchazarura.
Zviri paIndaneti uye purogiramu vatengesi vachakuda kuti iwe uite mari yekukwanisa kubhadhara mari yako yekutengesa vasati vambozarura account yako. Vakawanda vachaisa mari iyi mubhuku rinotora rubatsiro kusvikira iwe wagadzirira kutengeserana. Paunenge uisa urongwa hwekutenga , mutengesi anopa mari yacho kubhengi yekwereti kuti avhare mutengesi.
Kana iwe uchitengesa chikwata, mutengesi achaisa mari yacho munhoroondo (kunze kwekuti iwe uvarayirire zvimwe), saka mari inowanikwa pakutenga kunotevera.
Uine mubhadharisi webasa rakazara, iwe unogona kuva nemazuva matatu kuti ubhadharire kutenga kwako zvichienderana nepurogiramu yemutengi. Mhizha inofanira kubhadharwa kana kuti "kugadzirisa" mukati memazuva matatu.
Izvi zvinonzi "zuva rekugadzirisa" uye kana iwe uri mutengi akanaka ane chikwereti chakanaka, mutengesi webasa rese achakupa iwe mazuva iwayo kubhadhara.
Vamwe vatengesi vanokubvumira kuti ubhadhara maitiro nekadhi rechikwereti, zvisinei, kunze kwekuti iwe unogona kubhadhara mari yacho pakarepo iwe paunowana chirevo, usatombofunga nezvekuita izvi. Hapana chikwama chinogona kukunda 19% yekwereti yemakadhi ekubhadhara makadhi.
Margin Accounts
Nhamba dzenyaya dzinokubvumira kuti uite izvo zvandakakuudza kuti urege kuita nekwereti yemakadhi - kukoka mari kutenga zvigadzirwa, kunyange pasi pemamiriro akawanda akanaka.
Nhoroondo yepamusoro inokubvumira kubhadhara kusvika ku50% yehuwandu hweatengo kubva kune wako mutengesi paunotenga. Somuenzaniso, kana iwe uchida kutenga $ 10 000 zvezvikwata, iwe unogona kunyora cheki ye $ 10 000 kana nekodha rekodha, nyora cheki ye $ 5,000, uye chikwereta $ 5,000 kubva kune wako mutengesi.
Nokukwereta hafu imwe yenhamba yematengo, unogona kuwedzera zvikwereti zvako zvinoshamisa. Hezvino iyo inoshanda sei: Kana mutengo wedare unowedzera kusvika $ 20,000, kuiswa kwako mumari yepamusoro ($ 5,000) zvakanyanya kuwedzera kane.
Uine nhoroondo yepamusoro, iwe unogona kuita kuti mari yako ishande zvakaoma, inozivikanwa seyokushandisa miviri uye ine pfuma yakawanda. Zvisinei, kune ngozi. Kana kukosha kwechikwata kunowira panzvimbo yekumuka, mutengesi wako achabudisa "kudana kwemajeri." Kushandiswa kwemajeri kunowanzouya apo kukosha kwechikwata kunowira pasi pekukosha kwemari yakakumikidzwa nemutengi. Zvisinei, vamwe vatengesi vanogona kunge vane zviyero zvakasiyana zvemajeri ekumhanya .
Paunenge uchidaidzira, iwe une zvingasarudzwa zviviri: Unogona kuisa mari mumabhuku kuti uwedzere huwandu huri pamusoro pemari yawakakwereta kana iwe unogona kutengesa sengo pakarepo uye kubhadhara chikwereti. Vamwe vatengesi havagoni kukupa sarudzo yekuisa mari, vanogona kuvhara nzvimbo yako iwe kana nzvimbo inowira pasi pemumwe mutengo.
Discretionary Account
Discretionary mazano anopa mutengesi kana mutungamiri wezvemari kodzero yekutenga uye kutengesa zviyo pasina kukuzivisa. Kana mutengesi aida izvi, enda kunowana mumwe mutengesi. Kunze kwekuti iwe uchitenda mutengesi kana mupi wezvemari nehupenyu hwako, usambokupa chero rudzi urwu rwekutonga pamusoro pako mari - ndiyo yakaenzana nekuongorora pasina.
Pane mamiriro ezvinhu apo aya maakare ezvinyorwa akakodzera; zvisinei, kune vazhinji vedu, hazvisi zvakakodzera chete asiwo zvinokuvadza kuhutano hwedu hwemari.