Yikuphi yasebhange ukukhetha ukugcina ukonga

Namuhla kunenzuzo ukugcina imali yabo ebhange. Lokhu akuniki kuphela kubo ukuphepha yibhange, kodwa uzophinde wenyuse capital yakho ku iphesenti iminikelo. It uhlala kuphela ukukhetha ebhange okunokwethenjelwa futhi uthathe wabo onzima ngebucili kuwo.

Ake siqale siqonde, kungani siyidinga le iminikelo nokuthi ukukhetha ibhange izimali. Kokubalula zabo imali ebhange, kufanele simnike ukuzisebenzisa, ngoba yena okhokhela ekugcineni thina amaphesenti. Imigomo imali ingatholakala uMnyango uma isikhungo yasebhange.

Yikuphi ibhange ukuzikhethela enokwethenjelwa kakhulu isitoreji ukonga? Ukuze uqale ukuba bahlole isilinganiso amabhange ' ngevolumu izimali amakhasimende kanye nokulingana. Uma ibhange ingenye yezindawo zokuqala e ukukala efanayo, okusho ukuthi amakhasimende ayo ukwethemba kulesi sikhungo, ebhekisela kulo, ungaqiniseka ekwethembekeni ukugcina imali yakho.

Yikuphi yasebhange ukhetha neqhaza: yomphakathi noma ukuthengisa? State Bank kuyinto eziqinile, kodwa inikeza aphansi zenzalo yokuzigcina imali, amabhange commercial ukunikeza amakhasimende abo ephakeme zenzalo. Ukukhetha isikhungo commercial, kufanele uqaphe kakhulu futhi baqaphe. Kungcono makudle babe eside futhi amabhange efakazelwe. Ngiyavuma, okusolisayo kakhulu yasebhange isikhungo, eyabonakala emakethe muva futhi inikeza isithakazelo omkhulu imali. Ukuhaha kungaholela yokuthi hhayi kuphela imali, kodwa futhi ulahlekelwe inhlokodolobha osuvele ukhona.

Ukucabanga ngalokho ebhange ukhethe ukugcina ukonga kufanele kubhekwe ngisho ehilelekile, njengoba indawo indawo yayo. Kungcono uxhumane nendawo eseduze emzini wabo isikhungo. Lapho ekhetha yasebhange, cela noma cha it uhlanganyela ohlelweni umshwalense idiphozi. Lokhu kubaluleke kakhulu, ngoba ngisho esimweni uzophoqeleka ukubuyela inani lakho etshaliwe lemali nciphisa yebhange ingqikithi umshwalense yayo Isikhwama.

Ukunquma okuyinto ibhange ukukhetha ukugcina imali yabo kufanele ucabangele umnikelo. Okwamanje, yonke imali umthengi zihlukaniswe amaqembu amane:

• ukonga;
• ukonga;
• ibalwa;
• Special.

Savings idiphozi yakhelwe labo abanquma konge isamba ledzingekile imali kunoma isenzakalo esithile (lomshado, ukuyothenga ezibizayo, wokujikeleza, njll). Ukwenza umnikelo, buza imibuzo ebhange umsebenzi mayelana inani lemali elincane iminikelo eyengeziwe, okubalwe ngalo inzalo yemali icala kulezi izimali, njll

Savings yomnikelo wonge imali ekongeni kwamanani futhi uthole inzuzo engaphezulu. I engavamile of lo mnikelo ukuthi isithakazelo kwalo zimali uthola kuphela ekupheleni kwethemu yakhe.

Uma inani umnikelo ezihlongozwayo libanzi, ungase ucabange mayelana imali amabhange eziningana. Ngakho-ke kudingekile ukukhetha ukuthi ulondoloza umnikelo onjalo, esizokwenza imali bahamba ngezinyawo besuka kwenye lwemali kwenye futhi singalahlekelwa isivuno uma kunesidingo. Khumbula ukuthi imali imali ebhange ngohlobo ezahlukene, ungenza imali ezinhle ku izinguquko exchange rate. Ngokwesibonelo, ukubeka imali ebhange ku -euro. I-euro rose, ngokulandelana, kukhuphuke inzuzo yemali oyitshalile. Ukuze uthole imali ngale ndlela, udinga ukuqonda okuhle izimpikiswano umnotho wezwe, ukuze bakwazi ukubikezela ukwehla nokwenyuka izilinganiso zokushintsha zangaphandle.

Okwamanje, ungathola eziningi imithombo yokwaziswa lapho ibhange ukukhetha ngomnikelo wakho, okuyinto uhlobo idiphozi ukunikeza okuthandayo, lokho isikhathi esithile ukunikeza imali yabo e kulahlwa yebhange. Nakuba befuna kukho ofanele, kufanele sikhumbule futhi ukuthi ezinye izisebenzi zasebhange kukhona engakwenqeni inzuzo ngezithukuthuku wemisebenzi ahlukahlukene okukhokhiswa ngemisebenzi ku imali yakho. Ngakho-ke, ngokudlulisela izimali kulahlwa asebhange, kufanele ufunde ngokucophelela wonke amadokhumenti ngemvume, enithi izincazelo bhalisiwe e amaphuzu abo usithe.