UKUPHATHWA KWE-RISK - Isifundo 4
Kule sifundo uya kufunda:
- Ukubaluleka koLawulo lweengozi
- Indlela esetyenziswa ngayo kwiSicwangciso soRhwebo
Ulawulo lomngcipheko wethu, ngokusetyenziswa kobuchule obuqinileyo kunye nokulawulwa kwemali, luloluhlu kunye nokubonelela iziseko, ukuvumela ukuba sakhe isicwangciso sethu sokurhweba kunye nezicwangciso. Njengoko kuye kwaxutyushwa ngamaxesha amaninzi, kwimiba eyahlukeneyo efunekayo ukwakha izicwangciso zokurhweba ezifanelekileyo kunye nezicwangciso eziqulethwe ngaphakathi, ukuphathwa kwemali kuyintloko. Ayikho isicwangciso esisebenzayo sokuhweba esinokusebenza ngaphandle kolawulo olufanelekileyo lwemali.
Idlala indima ebalulekileyo kwizigqibo zabathengisi kwaye ingasetyenziselwa isixhobo sokunciphisa umngcipheko wepotfolio.
Ukuphatha imali ngokuphumelelayo kuxhomekeke kwiimpawu ezintle ezihlanu:
- Umngcipheko weengozi
- Ingozi yokuvuza umlinganiselo
- Ukukhutshwa okuphezulu
- Ubukhulu besimo esifanelekileyo
- Ulawulo lwezorhwebo
Xa uthetha ngomyinge woMngcipheko, umrhwebi kufuneka anqume ukuba uzimisele kangakanani ukulahlekelwa ngorhwebo ngalunye, kwaye kuxhomekeke kwindlela yokuthengisa, umntu akufanele abe mngcipheko ngaphezu kwe-5% yoshishino, ngokulingana kwe-akhawunti. Nangona kunjalo, ulawulo lwe-2% lwaba luye lwaziwa kakhulu ngoku-iintsuku, apho kungabi ngaphezu kwe-2% yemali engenakunqweneleka ukuba ingabonakaliswa kwengozi yokulahleka. Ukuqaphela ngakumbi kunye neepesente ezantsi ekungciphekweni kworhwebo nganye kuya kubangela ukuba kube nokulingana okuphezulu ekupheleni kosuku.
Ukongezelela, ukuyeka amanqanaba okulahleka kufuneka achazwe kwaye umvuzo kufuneka ube rhoqo kwixesha eliphindwe kabini okanye kathathu ngaphezu komngcipheko. Yeka ukulahleka kuza kwiindawo ezihlukeneyo; ukuyeka, ukuyeka ukuhamba, ukuyeka ukuma, ukuyeka iintlekele kunye nokuyeka ingqondo. Bonke basebenzise kunye neengcamango onokuzikhusela kwiimeko ezininzi ngokusebenzisa ukudibanisa ezininzi.
Siyakunxulumanisa lo mgca wokuhamba kunye nenye ingxaki yokumisa ngokukhawuleza, uyeke ngaphantsi kwesitima sokuhamba, esilusikisayo kunoma yiphina. Oku kunokuba yindawo yokuyeka isiphaluka segazi, apho sitsho ngokuphumelelayo iplagi kuyo yonke imisebenzi yethu, ukuba sizitholela indawo engafanelekanga kwimarike, xa i-swan yasebusuku, okanye iimeko ezimbi zenzeke kwiimarike.
Ukukhutshwa okuphezulu kukubhekiselele ekunciphiseni inkunzi yezorhwebo emva kohlu lwezinto ezilandelelanayo zokulahlekelwa ngumsebenzi. Ngoko ke, kubalulekile ukunciphisa umngcipheko wongqamngeni olwabo abahwebayo, kunye nokuqeqeshwa ngokomzwelo ukunqoba amaxesha okuchitha.
Ukongezelela, ukuchonga ubungakanani besikhundla esifanelekileyo kuxhomekeka kwintengo enkulu yoshishino kunye nesicwangciso sokurhweba. Ulwazi lobuninzi kunye nendlela yokuchonga ubungakanani obufanelekileyo bezorhwebo yintloko yokwandisa iziphumo. Kukunceda kakhulu ukusebenzisa i-calculator isikhundla ukwenzela ukuba uqinisekise ukuba isithathiso sorhwebo esifanisiweyo sithathwe.
Ukuba sisebenzisa umzekelo we-akhawunti ye-5,000 kwaye sifuna ukubeka ingozi kwi-1% ye-akhawunti yethu kwi-EUR / USD, ngoko sisebenzisa ukubala okulula ukubeka ingozi kwi-dollar ye-50 kwintengiso nganye.
USD 5,000 x 1% (okanye 0.01) = USD 50
Emva koko, sizahlula inani elijongene nobungozi, i-$ 50 yethu, ngokumisa sikulungele ukusebenzisa, ukuze sifumane ixabiso ngepip. Makhe sicinge ukuba sisebenzisa inqanaba elikhulu lokumisa i-200 pips.
(USD 50) / (200 pips) = USD 0.25 / ipip
Ekugqibeleni, siyakwandisa ixabiso ngepip yi-unit unit / value pip value ye-EUR / USD. Kule meko kunye neeyunithi ze-10k (okanye enye iqashiso elincinane), ukuhamba nganye kwepip kuxabisa i-USD 1.
USD 0.25 ngepip (ii-10k iiyunithi ze-EUR / USD) / (i-USD 1 ngepip) = ii-2,500 iiyunithi ze-EUR / USD
Ngoko ke siza kufaka kwiinqununu ze-2,500 ze-EUR / USD okanye ngaphantsi, ukwenzela ukuba sihlale kwiimimiselo zengcinezelo okanye izinga lokuthuthuzela, esiye sagqiba ekubeni yi-1% yokunyamezela, kunye nokusekwa kwethu kworhwebo ngoku.
Okokugqibela kodwa ubuncinci kukuphathwa kwezorhwebo. Umthengisi kufuneka aphuhlise isicwangciso sokurhweba, esiza kubandakanya ukuyeka ukuthengisa kunye nokulawulwa kwemvakalelo - ukuba ungaphumeleli urhwebo ngaphandle kwesizathu esinamandla. Ukulandela isicwangciso sokurhweba kwandisa iingxaki zokuba nemisebenzi enenzuzo kunye nokunciphisa iimpazamo.
