Iko kukura kukosha kwematcoins kwakaita kuti vakawanda vazvione sevhisi yavo
Handina kungova mutori wenhau mune zvemari. Mumabasa angu apfuura, ndakanga ndapedza makore seMutevedzeri wezveMari neholo guru rekuchengetedza mahofisi, nekupa mazano kuvabereki kuti vangachengetedza sei mahofisi avo maererano nezvinangwa zvavo zvemari nezvinangwa. Munguva iyo yandakanga ndichiraira vatengi, maitirwo emari maitoro, zvibvumirano, mari pamwe chete uye zvichida, mamwe masangano mashoma kune avo vaida "chimwe chinhu chine ngozi" muzvikwata zvavo.
Kugadzirisa uye kuvaka chikwata cheporofisita pachikwata ichocho chaive chekuchengetedza njodzi nekugovera zvinhu pakati pezvikwata zvakasiyana-siyana, zvakadai sematokisi kana zvisungo. Chimwe chekugoverwa chaive makumi matanhatu kubva muzana kubva mumatengo kusvika ku40 muzana zvisungo uye nhamba dzaizosiyana zvichienderana nehuwandu hwaunoda kutora uye nguva yevatengi.
Makore mazhinji mushure mekupa mazano kune vatengi uye pandakanga ndichiongorora mubvunzo wekuisa bitcoins mubhadharo rangu rekurega mari, nzira yangu yakanga isingatauri zvachose pakufungidzira, asi neziso kuchenjerera maitiro-kugovera nzira dzandakanga ndagara ndichishandisa ini nevatengi vangu .
Asi usati wambopinda mune zvakananga zvezvinhu zvakasarudzwa kugovera mazano, zvakakosha kucherechedza kuti bitcoin chakanga chisina kukodzera zvakakwana muchikwata chebasa kana kusungwa. Bitcoins yakanga isiri iyo uye chaizvoizvo panguva iyoyo, vanhu vashomanana vakanga vatotanga kutaura nezvekushanda kwayo mune imwe nzvimbo yekutsvaga mari, uye naizvozvo kutsanangura rutivi rwekutsvaga kwekutsvaga, kana, chokwadi, inogona kuonekwa seimwe.
Zvisinei, kwandiri, kwaiva kutenda kwangu panguva iyo kubvira apo bitcoins ine dhora-yakawanda uye yakatengesa kugoverana kwenyika yose, iyo inogona kuonekwa semari inoshandiswa uye saka, chimwe chinhu chingawana nzvimbo munzvimbo yangu yemahofisi.
Chii Chinonzi "Imari Inoshandiswa"?
Ngatimbokurukurai zvinorehwa ne "mari inotengeswa" uye kana bitcoins dzingafungidzirwa saizvozvo. Icho chinonyanya kukosha chekuti mutengesi zvakanaka kana ani zvake ari kuita mari ndeyekuongororesa mari yakakodzera. Nhamba inokosha inongova chiyero chezvinhu zvakawanda zvaunogona kuva nazvo mushure mekubhadhara zvikwereti zvenyu. Icho chiyero chekutanga chero ani zvake akambomira kuenzanisa mabhuku kana kutumira mwana kukireji anofanira kufunga.
Nzira ye Net Worth iAssets minus Mhosva.
Mukutaura kwezvikwereti, izvo zvikwereti izvo munhu anofanira kubhadhara kuti asapinda mujeri, zvakaipa zvingaitwa chikwereti kana kukamanikidzwa kunze kweimba yako. Izvi zvinogona kusanganisira zvikwereti, mari yekubhadhara uye chikwereti chekwereti chinofanira kubhadharwa.
Nhaka dzinowanzochengetwa iwe, mairimari uye nzvimbo (kumba, motokari, nezvimwewo) zvaunayo. Kuti ubhadhara zvikwereti zvako, vazhinji vedu tinofanira kushandisa zvinhu zvedu kuti tiwane mari kune iyo chikwereti chemari.
Zvechokwadi, hazvisi nyore kuunza mari nokukurumidza kubva kune imwe nzvimbo yakafanana nemotokari kana imba, uye tinofanira kushandisa mabhengi edu uye zvikwereti kuti tiite izvozvo.
Imba yakafanana nemotokari kana imba inowanzotumidzwa sekuti "illiquid" mari nokuti inoda nzira yakareba yekuita mari uye kukosha kana mutengo weimba iyo iyo haina kufananidzwa zvakajeka semutengo wekutsvaga kana mhosva, inozivikanwa se "liquid" asset.
Kutadza kwezvinhu zvakadai semasimba kana motokari hazvisi kuderedza huri hwavo sehupfumi, asi nzira yekukoshesa uye kuregererwa kwezvinhu izvi inotora nguva uye haibvumi kukurumidza kukunda zuva rekubhadhara kana kuisa mari yakawanda pachikwata . Nemhaka yekukwanisa kushandisa "inozivikanwa" mari inokosha yekuchengetedza kwedu uye zvikwereti nyore nyore kubhadhara zvikwereti kana kuwana mamwe masimba, vanoonekwa se "mari inotengeswa".
Nzira yekuwedzera mari yako yese nekuchengetwa kwemari pamwe chete, pasina kufunga nezve "illiquid" mari inopa iwe nzira yekunzwisisa mari yaunayo kunze kwekudiwa kwekugadzirisa pfuma yako.
Kune wekuita mari, kuva nekwanisiro yekuziva kuti kukosha kwe "mari inotengeswa" pane imwe nguva panguva, inokubvumira kukwanisa kutenga mikana yekutsvaga yakakodzera uye kutengesa vamwe kana kuchinja kuchida. Nenzira iyi, iwe unogona kuita zvakanaka kushandisa mari yako yekushambadzira apo mamiriro ezvinhu anoda kuchinja.
Ndaiwanzopa vatengi mazano kuti zvakangwara kungotenga zvikwereti zvepodfolio yako yaunogona kuwana kukosha kwepepanhau rezuva nezuva. Mutengo wematokisi uye zvisungo zvinowanikwa zuva roga roga mupepanhau uye mutengo wavo wezvino mukati mezuva unowanika pane vazhinji vanoita shanduko vavanoshambadzira. Nokudaro, iwe unogara uine pfungwa yezvaunogona kutengesa kana kutenga iyo yefa. Nzvimbo dzakadai sedzimba dzakanaka nedzimwe nzvimbo dziri pasi pechiratidzo uye dzinoda mutengi kune rumwe rutivi rwekutengesa vanobvuma kuti kukosha kwako kwemafasiki kunoenderana navo.
Ngatidzokerei kune kuongorora kwangu kwe bitcoin se "mari inoshandiswa mari".
Pizza Yakawedzerwa Kupfuura Yose!
Apo bitcoins dzakatanga, zvakanga zvakaoma kunzwisisa mutengo wepakutanga we bitcoin imwe yekutengesa mari. Imwe yemitambo yekutanga yekushandisa bitcoin semari yekutenga chimwe chinhu chaive chichigadzirwa chepamusoro che pizza chaMay 22, 2010. Iri ndiro zuva rinopembererwa nevakawanda munyika ye bitcoin uye inozivikanwa seBitcoin Pizza Day.
Panguva iyoyo, bitcoin yakanga iri kushandiswa zvakanyanya sechimbo chebhanhire pakati pevaya vanogadzirisa uye programming world. Bitcoins dzakanga dzichigadzirwa kuburikidza nemakombiyuta akaitisa purogiramu uye aya aishandiswa kubhadhara vamwe vadzidzisi pamabasa avo. Apo teknolojia yakange inenge yegore rimwe chete, Laszlo Hanyecz, mupurogiramu akaita chikwata chekubhadhara mumwe waaishanda naye paIndaneti forum 10 000 BTC yePazz John's pizza.
Tichifunga nezvekuti chibvumirano chakanga chasvika pamutengo mukuru we $ 1 000 munaNovember, 2013, kukosha kwee pizza iyoyo kwaiva kupfuura $ 10 mamiriyoni. Iye zvino izvo zvinotenderwa kuti zvive zororo rako!
Nguva iri pakati pekutenga pizza muna 2010 uye $ 1 000 yakakwirira mugore ra2013, yaiva nguva iyo yakava yakawanda yakashandiswa zvakanyanya semhando yemari zvikuru zvichienderana nekukwanisa kuva nechekuita kuburikidza nekutsinhanisa panzvimbo yepakutanga nzira yekuwana nayo chete kuburikidza mining for them. Shanduro yaibvumira izvozvi zvinyorwa zvaiva Mt. Gox (iyo yakatanga pakutanga sewaiti yekutengesa nekutengesa makadhi kubva kuMagetsi Kuunganidza, saka zita rekutsinhanisa).
Icho "Inotengeswa Asset" Here?
Kusimuka nokuwa kweMat. Gox yakange iri chikamu chenhoroondo ye bitcoin, asi chinonyanya kukosha chinofanira kutorwa kubva pane iyo ndechekuti yakasika yekutanga inoshandiswa nenzira yekutengesa mari uye mamwe mari ye bitcoin. Mt. Gox yaiva shanduko yakabvumira vanhu kuziva izvo vanhu vaida kuzvitenga uye kutengesa zvinyorwa pamaawa makumi maviri nemaviri. Kuwa kweMat. Gox haana kuuraya bitcoin (kunyange zvazvo vanhu vakawanda vachiri kutenda izvozvo) sezvo dzimwe nhanho dzakagutsa pasina uye zvino munhu wese anogona kutenga uye kutengesa bitcoin kwemaawa makumi maviri nemaviri kuburikidza nekukwikwidzana kwakawanda.
Nemhaka yekwanisi iyi yekukoshesa bitcoins uye kana kutenga kana kuigadzirisa nyore nyore, zvinoratidzika zvakarurama kwandiri kuti inofanira kuonekwa se " mari inotengeswa ."
Asi zvingaita here kunyatsotaridzirwa kune imwe nzvimbo yemapatoti nenzira imwecheteyo sehutano kana kusungwa? Mushure mezvose, kune zviuru zvevanyori vanonyora zuva rega rega pamusoro pehutano uye kune chinyorwa chakareba chezvikwereti izvozvo. Nhamba yevatsvakurudzi yakavhara, chiyero chematcoin chiripo chekutenga uye maitiro ezuva nezuva ekutengeserana aya akanga asina nzvimbo yakangofanana nematokisi kana zvisungo. Kana ndaifanira kutora bitcoins se "pfuma inobhadharwa," inofanira kuonekwawo sekuda mari yakawanda.
Bitcoin Is "Alternative Investment"
Zvakanaka kutaura panguva ino kuti maererano nemotokari yemotokari, bitcoin inofungidzira uye saka inogona kuonekwa seyakakodzera kune imwe shanduro yekutsvaga mari yepodfolio yangu. Mushure mezvose, vatsigiri vakanga vari (uye vachiripo) vachiraira vatengi kuti vave nechepakati chemahofisi avo (kazhinji anenge anenge 10 muzana) vakaiswa mu "zvisina kuwirirana" zvakadai segoridhe, zvivako zvemuzinda kana mari yekudzivirira kuitira kuchengetedza ngozi yepodfolio yako .
Zvimwe zviwanikwa zvekutsvaga izvozvi zviri muhofisi yemapatoti anopa al ack ekugadziriswa kune vakawanda vanobatwa kwezvikwereti uye zvibvumirano muhuwandu hwemunhu. Nenzira iyi, iyo imwe nzira yekutsvaga kwekutsvaga kweporofigoreti inogona kuita se "kutyisidzira" munguva dzekutengeserana kwemisika kuburikidza nekuve nehumwe humwe hwehupfumi (tarisiro) inopindura nenzira yakasiyana nedambudziko iri.
Vakawanda vangareva kuti bitcoins dzingave dzisiri mune imwe nzvimbo yekutsvaga mari asi kubudirira kwe ETF, GBTC iyo yakatengesa kumazinga ezana makumi mashanu pamusoro pehuwandu hwayo yemari, inoratidza chido chekuti vatengesi varipo. Zvisinei, ichiri chinyorwa chechidiki uye kushandisa sarudzo yekugadzirisa mararamiro emakambani ako inofanirwa kutora mberi pakudzingirira "chinhu chikuru chinotevera."