Ukuthenga amasheya e-penny akulula. Kodwa, kungaba njalo uma unamathuluzi afanele onawo. Lapho uqala ukuhweba ngamasheya e-penny, abanye abatshalizimali bazithola besengozini enkulu. Futhi ngaphandle kokuzibophezela emfundweni nasekuzinikeleni ekufundeni, lokhu kuzohlala kunjalo.
Kodwa, cabanga ngalokhu. Ubungeke wenze ukuhlinzwa kwenhliziyo okuvulekile ngemva kokufunda izindatshana ezimbalwa zokuthi ungakwenza kanjani. Nakuba lokhu kungase kuzwakale kuyisimanga, ukuthenga nokuthengisa amasheya e-penny noma yiziphi izitoko ngaleyo ndaba kuyinto efanayo.
Ngakho-ke, uma wenza uhlu lokubuka noma umane ubheka amasheya e-penny ukuze uwabuke, kubalulekile ukwazi ukuthi isu lakho liyini. Lokhu kudlulela ngale kokucwaninga nje ukuthi ungawahweba kanjani amasheya e-penny. Kunalokho, kunezici ezithile okufanele bonke abatshalizimali bazicabangele.
Okokuqala, amasheya e-penny ashintshashintsha kakhulu. Kungakhathaliseki ukuthi kungenxa yokuqagela okukhulu noma iqiniso lokuthi amasheya angaphansi kwama-$5, ukuguquguquka kwentengo kuyinto evamile kakhulu. Nakuba lokhu kungase kubonakale kusabeka ekuqaleni, ukwazi ukuthi ungazuza kanjani kukho yikho okwenza abanye abadayisi bazuze, kanti abanye abakwenzi kangako.
Ngaphezu kwalokho, abahwebi kudingeka baqonde imigomo yabo eyingqayizivele. Ingabe uyongela indlu entsha? Uzama ukuziphilisa? Noma ingabe usebenza ukuze uthole imali eyengeziwe eceleni? Le mibuzo ingasiza ekuchazeni ukuthi ukutshalwa kwezimali kwesikhathi esifushane noma eside kungcono kuwe.
Ngemva kokubheka ngaphakathi, kungaba yisikhathi sokuqala ukuzifundisa ukuthi ungahweba kanjani ngqo. Ngakho-ke, ukuze usize ngale nqubo, nanka amasu ambalwa okuhweba ngamasheya okudingeka uwaqonde.
- Ukwenza Uhlu Lokubuka Amasheya E-Penny
- Ukukhetha Amasheya Afanele Kakhulu Ongawathenga
- Indlela Yokuthola Inzuzo Ngamasheya KaPenny
Ukwenza Uhlu Lokubuka Amasheya E-Penny
Ngesonto eledlule, sixoxe ngendlela yokwenza uhlu lokubuka lwemali eningi ngengxenye ejulile. Kodwa-ke, ukuze sivuselele lokho okusanda kuvela, ake sinikeze umbono omfushane. Ukwakha uhlu lokubuka olufanele kuhilela izinto ezintathu. Okokuqala, abadayisi kudingeka bakhe isithwebuli esingaphansi kwama-$5. Lokhu kungenziwa ezinkundleni ezahlukene, kodwa iningi labo livame ukusebenzisa i-ThinkorSwim.
Lolu uhlelo lokusebenza oluphelele olwenziwe yi-TD Ameritrade. Luvumela ukuhweba yebo, kodwa futhi nekhono lokwakha izikena eziyinkimbinkimbi nezikhonkolo. Ngamagama alula, abadayisi kufanele baskene amasheya angaphansi kwama-$5 anomthamo ongaphezu kwesigidi esingu-1. Lokhu kuzonikeza uhlu lwamasheya angamakhulu ambalwa. Ngenkathi ingxenye yama-$5 ichaza ngokwayo, ukuba nomthamo ongaphezu kwesigidi esingu-1 kuzosiza ukuqinisekisa ukuthi kukhona uketshezi olwanele lokungena nokuphuma esikhundleni.
Labo abangaphansi kwebanga elingu-500,000, isibonelo, abaningi abakuvumeli ukuthenga nokuthengisa ngokushesha, ngakho-ke kungaba nzima kakhulu ukushintshanisa amasheya e-penny. Ngaphezu kwalokho, ivolumu ephansi izosho ukuthi isitoko singakhuphuka futhi sehle ngentengo ngaphandle kwezinkomba ezincane noma ezingenazo nhlobo. Lokhu kungabangela ukulahlekelwa okukhulu okwenzeka ngesikhathi esisheshayo. Nakuba ukwenza isikena kungumqondo omuhle, kuyisinyathelo esisodwa kuphela ohambweni lwakho lokuhweba.
Ukukhetha Amasheya Afanele Kakhulu Ongawathenga
Ukukhetha amasheya e-penny afanele ongawathenga kungaba yinselele. Kodwa, kunezici ezimbalwa ezingenza kube lula. Ngemva kokuhlanganisa uhlu lwakho lwamasheya e-penny ngesikena, isinyathelo esilandelayo ucwaningo. Nge-inthanethi, noma ubani onekhompyutha angathola konke okudingeka akwazi ngenkampani ethile.
Okokuqala, yiziphi izici zokuqagela ezithinta inkampani njengamanje nasesikhathini esizayo esiseduze? Lokhu kungaba umkhiqizo omusha, ukuvunyelwa yi-FDA, noma isimemezelo sombiko wenzuzo wekota. Manje, kunezinto eziningi okufanele zicatshangelwe, kodwa lokhu kufanele kusize ekuboniseni ukuthi ukuqagela kungathinta kanjani intengo yesabelo senkampani.
Isici sesibili okufanele sicatshangelwe yilesi, zibukeka kanjani izisekelo zenkampani? Nakuba izisekelo zingaholela ekuqageleni, lezi zibili zihlukile kakhulu komunye nomunye. Izisekelo ziyizici eziyisisekelo ezithinta inkampani. Lokhu kufaka phakathi imali engenayo, i-EPS, inzuzo, ukuqoqwa kwemali, nanoma yini efana nalezi.
Kokubili ukuqagela kanye nezisekelo kufanele kubhekwe nge-penny stock ngayinye ohlose ukuyithenga. Ngemva kokwenza kanjalo, kufanele ukwazi kahle ukuthi inkampani ibukeka kanjani ngokombono ophelele.
Okokugcina, ingabe lesi sitoko sikulungele? Kuyo yonke le ngxenye, sixoxe ngokuthi ukutshala imali kuwumsebenzi womuntu ngamunye. Ngenxa yokuthi isitoko ngasinye sihlukile, udinga ukuqinisekisa ukuthi inkampani iyahambisana nemigomo yakho yokutshala imali. Ngenxa yalesi sizathu, ukubheka ukuthi sishintshashintsha kangakanani (kaningi kangakanani nokuthi amanani amakhulu kangakanani) kungasiza ekunqumeni ukuthi kufanele utshale imali esikhathini esifushane noma eside.
Lokhu kungabalwa ngokuningiliziwe ngesilinganiso se-beta. Lokhu ukukala okuphelele kwembuyiselo yesitoko uma kuqhathaniswa nokulawula (ngokuvamile i-S&P 500). Ngaphezulu kwe-1.00 ngokuvamile kusho ukuthi iyashintshashintsha kakhulu, kanti ngaphansi kwe-1.00 kusho okuphambene nalokho. Futhi, kufanele sicabangele nokuqagela okungathinta i-beta esikhathini esifushane. Uma konke lokhu kucatshangelwa, ukukhetha amasheya epeni afanele okufanele uwabuke kungaba lula.
Indlela Yokuthola Inzuzo Ngamasheya KaPenny
Ukuthola inzuzo ngamasheya e-penny kuyisinyathelo esilula, kodwa kuyinto abanye abatshalizimali abayikhohlwayo ukuyicabangela. Ngokuvamile, abatshalizimali bangena ezikhundleni ngenxa ye-FOMO (ukwesaba ukuphuthelwa). Lokhu kuvame ukwenzeka ngemuva kokuba i-security ifinyelele phezulu kakhulu, njengokuzuza okungu-50% enzuzweni eyodwa isibonelo. Kodwa-ke, ngemva kokuzuza okukhulu, ukulungiswa kwemvelo kuvame ukwenzeka, ngaleyo ndlela kuholele ekulahlekelweni.
Ngakho-ke, ngamafuphi, i-FOMO isu elibi, futhi into okufanele uyigweme. Lokhu kuhambisana kakhulu nezidingo zengqondo zokwenza inzuzo ngamasheya e-penny. Kodwa-ke, ngokwezimali, kunezindlela ezimbalwa okufanele uzicabangele.
Okuthandwa kakhulu ngokuvamile isu lokuthola inzuzo kancane kancane. Ake sinikeze isibonelo. Okokuqala, umtshali-zimali angabeka umgomo wentengo. Ake sithi isitoko singu-$1 bese umtshali-zimali ecabanga ukuthi sizokhuphukela ku-$4. Ngakho-ke u-$4 uzoba yintengo eqondiwe. Endleleni eya ku-$4, abatshali-zimali bazothola inzuzo ngokunyuka.
Okokuqala, isitoko singafinyelela ku-$3, kanti umtshali-zimali angathengisa u-25% wesikhundla sakhe. Okwesibili, isitoko singadlulela ku-$3.50, lapho umtshali-zimali angathengisa u-50% wesikhundla sakhe. Okokugcina, isitoko singafinyelela ku-$4, lapho umuntu angathengisa khona u-25% osele.
Leli isu elivamile elisetshenziswa ukuqinisekisa ukuthi yonke intengiso ingaba ukuhweba okuwinayo. Ngaphezu kwalokho, kusiza futhi ukuqinisekisa ukuthi ukulahlekelwa kungahlala kuncane. Nakuba kunezinye izindlela zokuthola inzuzo, lokhu ngokuvamile kuyindlela elula neqondile yokuzizwa uqiniseka kuyo yonke imikhakha yakho yokuhweba.
Ingabe Amasheya ePenny Akulungele?
Ekugcineni, abatshalizimali kudingeka bakhethe amasheya amahle kakhulu abazowathenga kwiphothifoliyo yabo. Uma ungakhululekile ngokukhuphuka nokwehla okukhulu, amasheya e-penny angase angakulungeli. Kodwa-ke, uma kunjalo, kunamathuba amaningi okuthola.
Nakuba lolu luhlu oluphelele lwendlela yokuthenga nokuthengisa amasheya e-penny, kufanele lukusize ukukukhomba endleleni efanele. Uma ucabanga ngalokhu, ingabe amasheya e-penny akulungele?
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