umvuzo wabarhwebi

Ngokwe-avareji, umvuzo womrhwebi eFransi ufikelela kancinci kunoko € 65,000 ngonyaka (isiseko umvuzo, ngaphandle iibhonasi). Lo mvuzo ungadlula € 200,000 ngonyaka ngokuxhomekeke kwisikhundla kunye neziko lezemali. Kodwa kuthekani nge Ithini imivuzo yabarhwebi bangaphandle? Kwakhona, yintoni na Yeyiphi imivuzo yabarhwebi abazimeleyo/ababucala/abangabanini? Makhe sihlolisise yonke le nto.

Abona baRhwebi babalaseleyo bokunyusa ingeniso yakho yokurhweba

Unokunyusa umvuzo wakho wabarhwebi ozimeleyo ngokuhlawula imali encinci ye-brokerage. Oku kukuthintela ngokufanelekileyo ekunciphiseni iingeniso zakho zokurhweba. Ke ngoko, uya kuzuza okuninzi ngokusebenza nomthengisi obiza eyona mali iphantsi yorhwebo, ikunika uluhlu olubanzi lwezixhobo (ukuqinisekisa ngamathuba otyalo-mali kunye nengeniso), kwaye ngubani okunika ezona meko zintle zorhwebo (ezikuthintela kwilahleko. ngenxa, umzekelo, ukuphunyezwa kakubi kwemiyalelo yakho).

Nazi ezona zingcono zaba bathengisi kwitheyibhile engezantsi.

Uthini uMvuzo woMrhwebi oZimeleyo?

Ngokuhla rhoqo kwamaxabiso ahlawula iimveliso zogcino lwebhanki, baya besanda abantu baseFransi babhenela kwimarike yemasheya, iimveliso zabo zinokungqina ukuba zinengeniso engaphaya. Kodwa ukurhweba, Irhola malini? Ngumbuzo osemthethweni, kuba ukurhweba kunokukuvumela ukuba wenze ukonga kwakho kube nenzuzo, ukongeza umvuzo wakho, okanye ... Unokufumana ubomi ukuba uthatha isigqibo sokurhweba ngeakhawunti yakho kwaye uyazi indlela yokwenza kakuhle.

Un umrhwebi ozimeleyo eFransi unokuziphilisa ngokwenza imisebenzi yemarike yemasheya ayenzayo.
Kodwa ngaphambi kokuba sijonge umvuzo womrhwebi, kufuneka siqale sicacise into enye ebalulekileyo: ukurhweba ngumsebenzi onobungozi. Abarhwebi kuphela abafumana inzuzo kwimisebenzi yabo banokufumana umvuzo. Kuphela i-10-35% yabathengisi balawula ukuba kule bracket.
Umvuzo womrhwebi uya kuxhomekeka kwizinto ezininzi. Kodwa siza kugxila kuphela apha kwizinto ezimbini ukuqikelela umvuzo wenyanga womthengisi.

Umvuzo woMrhwebi waBucala ngokuxhomekeke kwiNkunzi etyaliweyo

Inkcazo yomthengisi ozimeleyo kukuba ubheja imali yakhe. Ngoko ke akanakuxhamla kumvuzo njengengeniso eqinisekisiweyo. Ekugqibeleni, kuphela ukusebenza kwakhe okumisela umvuzo womrhwebi. Lo msebenzi ulinganiswa ngembuyekezo kutyalo-mali okanye I-ROI (UkuBuyiselwa kuTyalo-mali): umyinge phakathi kweenzuzo ezenziweyo kunye nenkunzi etyaliwe, kwixesha elithile.

Ngokubanzi, ayingabo bonke abarhwebi abazimeleyo abasesikhepheni esinye:

1. I-ROI ebonakalayo phakathi kwabaninzi abarhwebi (inqanaba eliqhelekileyo lobuchwephesha) ikhona phakathi kwe-15% kunye ne-25%.
2. Umrhwebi wezakhono ezingaphezulu komndilili unokufezekisa i-ROI ye 30% okanye 50%.
3. I-elite yabarhwebi inokusondela kwi 100% ROI.

Ngokuchanekileyo, le ROI isebenza kwinkunzi yakho ukumisela umvuzo wakho. Ukuba une-ROI ye-30% kunye nenkunzi ye-euro eyi-1, ngoko ufumana i-000 ye-euro (300 x 1%). Ukuba une-000% ye-ROI ene-capital ye-30 euro, ufumana i-euro eyi-15. Ngoko sibona Kuyimfuneko ukuba ekuqaleni kubekwe isixa-mali esikhulu ngokwaneleyo.

Ngaphaya koko, nokuba uthini na umthamo wengxowamali yokuqala, kuyacetyiswa ukuba Sukurhoxisa umvuzo wakho wokuqala kwangoko. Oku kukuvumela ukuba wongeze inkunzi yakho, kwaye kwixesha eliphakathi, iinzuzo zakho ziya kukhula ngokukhawuleza.
EFransi, kuqikelelwa ukuba umvuzo oqhelekileyo womrhwebi ozimeleyo ochitha umyinge weeyure ezi-5 ngosuku ekurhwebeni. phakathi kwe-2,000 kunye ne-3,000 ye-euro ngenyanga nge inkunzi 10,000 euro.

Uyivula njani iAkhawunti yoRhwebo kwi Septemba 2026

1. Yiya kwindawo Vantage 2. Gcwalisa iFomu yoBhaliso 3. Yenza idiphozithi yokuqala (i-€1000 iyacetyiswa) 4. Qala ukurhweba!

Ngaba uphulukene neakhawunti yokudlulisela?

[wptb id = "14718608" ayifunyenwanga]

Umvuzo woMrhwebi woBunini ngokohlobo lweQhinga

Kungakhathaliseki ukuba amanqanaba obuchule, umvuzo wabarhwebi bokuthengisa nawo uphenjelelwa yi uhlobo lwesicwangciso esiphunyeziweyo. Kukho iindlela ezimbini eziphambili apha:

Ubuchule bexesha elifutshane

Ngabo abo zisekelwe phezu Ukuqikelela. Umrhwebi ulandela iindlela kwaye uzama ukufumana inzuzo kubo. Ngezicwangciso zexesha elifutshane ezifana nokuthengiswa kwemini okanye i-scalping, indlela eqhelekileyo, emva kokuhlalutya, ukuthenga i-asethi ngexabiso eliphantsi, ukulindela ukunyuka okuzayo kwixabiso layo. Emva koko, umrhwebi ulinda ixesha elifanelekileyo lokuyithengisa kwaye ngaloo ndlela andise inzuzo, kunye nexesha lokubamba lingadluli kwimini enye.

Kungakhathaliseki ukuba, izicwangciso zexesha elifutshane zokurhweba zezona ziyingozi, kodwa nazo zinenzuzo kakhulu. SO, Ufumana malini umrhwebi wosuku? Ewe, umvuzo womthengisi wosuku okanye i-scalper unokufikelela I-30% yemali eyinkunzi etyalwe, okanye nangaphezulu ngokuxhomekeke kwinqanaba lamava kunye nexesha elichithwe ukurhweba.

Ubuchule bexesha eliphakathi nelide

Ngokukhetha isicwangciso sokurhweba kwixesha elide, asinomdla kakhulu ekucingeni. Ugxininiso lusekwakheni ipotifoliyo ye-asethi enokuthi ingenise ingeniso engenzi nto kwixesha eliphakathi. THE Umngcipheko usezantsi kakhulu, njengoko kunjalo I-ROI okanye ukubuyisela kutyalo-mali.

Ngoko ke ungakanani umtyalo-mali we-stock market okanye umthengisi we-swing (ukuthengisa i-swing ukukhokelela ekubambeni i-asethi iinyanga ezininzi) ufumana? Imbuyekezo eqhelekileyo kunye nezicwangciso zexesha elidemalunga ne-10% yenkunzi etyaliwe, kunye nevantage ukuba le mbuyekezo iqhelekile rhoqo ngenyanga nganye xa utyala imali kwii-asethi ezifanelekileyo. Abarhwebi abanenzuzo kakhulu baya kufikelela I-25% ibuya, le pesenti yokugqibela kunzima ukuyigqitha.

Abona baRhwebi abaziZityebi

Ngokwenene kunokwenzeka ukuba ube ngumrhwebi omncinci wesigidi. Nokuba babumba i-elite encinci, abanye abarhwebi baye bakwazi, ngenxa yotyalo-mali lwabo kunye noqeqesho lwabo, ukuba babe phakathi kwabantu abazizityebi emhlabeni, kunye nengeniso engaphaya komvuzo womrhwebi waseSwitzerland okanye iGoldman Sachs umrhwebi.

Nanga amathamsanqa abona barhwebi abazizityebi:

uWarren Buffet

Ngowe-3^e oyena mntu usisityebi ehlabathini. Unethamsanqa eliqikelelwa ngeenxa zonke I-101 yeebhiliyoni zeedola. Indoda eyaziwa namhlanje njenge-CEO yaseBerkshire Hathaway yakha ubutyebi bayo ngotyalo-mali kuyo izabelo zenkampani kwaye ngamanye amaxesha kwi iimali. Waziwa ngobulumko nobulumko bakhe. Ezi mpawu zibonakaliswe ngexesha leentlekele ezimbini: ukugqabhuka kweqamza le-dot-com kunye ne-subprime mortgage crisis. UWarren Buffett akazange atyale imali kulo naluphi na uhlobo lokhuseleko oluphembelela la maqamza aqikelelwayo. Uthathwa njengomnye wabatyali-mali abakhulu kwinkulungwane yama-20.^e leminyaka.

george Soros

Lo bhiliyoni waseMelika wemvelaphi yaseHungary ungomnye wabarhwebi abadumileyo kwimbali. Nokuba waziwa ngcono namhlanje ngobutshantliziyo bakhe bezopolitiko, ungumbhali wolona qhushululu olukhulu olwenziweyo imarike yonaniso lwangaphandle. Ngowe-1992, wathatha a indawo emfutshane ngokuchasene ne-pound sterling kwaye ikwazile ukuyifaka epokothweni phantse I-1 yeebhiliyoni zeedola ukuya ekuweni kwexabiso layo.

UPaul Jones Tudor

Ngumhla wesixhenxe^e oyena mlawuli we-hedge fund osisityebi kwihlabathi. Lo uneminyaka engamashumi amathandathu ubudala ngomnye wabarhwebi abazizityebi kwihlabathi nge Ubutyebi be-5,1 yeebhiliyoni zeedola. Lo ngumzekelo wokuzimisela kunye nokunyamezela okufunekayo ukufumana umvuzo omhle njengomthengisi. Waqala umsebenzi wakhe kwi-22 njengomabhalane kumgangatho wokurhweba. Kwi-1987, wayelindele ingxaki yezemali kunye ithengisa amawaka ezabelo ngokufutshane ngaphambi kwe "Black Thursday".

John Paulson

UJohn Paulson ungumseki kunye nomongameli wengxowa-mali yolawulo olulolunye uPaulson & Co. Kwakukho ngexesha leengxaki ze-subprime apho wabonisa italente yakhe yokurhweba waza waba yi-billionaire. Yena ithengisa i-subprime mortgages emfutshane kunye nemali engaphezulu I-3,7 yeebhiliyoni zeedola ngo-2007. Ngo-2010, iqokelele iingeniso zerekhodi zonyaka kunye ne-5 yeebhiliyoni zeerandi kwimivuzo.

Ngaba unokuziphilisa ngokurhweba kwi-Intanethi ngeakhawunti yakho?

Akuqinisekanga ukuba ngokurhweba kwi-akhawunti yakho kwi-intanethi uya kukwazi ukwenza ingeniso ekufutshane nomvuzo we-Jérôme Kerviel okanye i-Warren Buffet. Kodwa umbuzo ophakamayo kukuba umntu unokufumana imali kusini na kulo msebenzi.

Enyanisweni, ukurhweba, ngokubonga ngokukodwa kwi-cinema, kunandipha i-aura ethile: ibonwa njengomsebenzi okhokelela ngokuzenzekelayo kwinhlanhla. Kodwa inyaniso yahluke kakhulu, umvuzo we-a urhwebo ukusuka ekhaya intanethi asiyiyo a Wolf of Wall Street okanye kufutshane nomvuzo umrhwebi kwibhanki enkulu.

Ukurhweba ngumsebenzi onobungozi, kodwa kunenzuzo kakhulu. Uninzi lwabantu abatyale imali kwimarike yemasheya balahlekelwe yimali yabo. Kodwa kukho amakhulu abantu baseFransi abaphila ngomvuzo omhle njengabahwebi abazimeleyo eParis okanye kwenye indawo. Ukufezekisa oku, kukho inkqubo enengqiqo kunye nezinto ezifunekayo ekufuneka zifezekiswe.

Okokuqala ukuba nenkunzi eninzi eyaneleyo ukuze iingeniso abazenzayo zibe phezulu ngokwaneleyo ukuba zithathwe njengomvuzo olungileyo wenyanga womrhwebi.
Nokuba unamaqhinga aphumelele kakhulu, iinzuzo zakho kwimarike yemasheya zihlala zilingana ne-capital-investment, zonke ezinye izinto ziyalingana. Ukuba uqala ngebhajethi encinci, kuya kukuthatha iminyaka emininzi yotyalo-mali kwakhona ukuze ufikelele kwinqanaba elifanelekileyo lenkunzi. Kwi-avareji inkunzi I-10,000 ukuya kwi-€ 15,000 iyafuneka ukuze uqalise kakuhle kwaye ube nethuba lokufumana umvuzo ophezulu wabarhwebi, kungakhathaliseki ukuba isicwangciso okanye icandelo olithandayo njengomthengisi wabucala: ukurhweba okuqhelekileyo, ukurhweba nge-Forex, iinketho zokubini, ukurhweba kwempahla, njl.

Ngenxa yomngcipheko wokuba umsebenzi we-stock market umele, kufuneka tyala imali okwaziyo ukuphulukana nayo ngaphandle kokonakala ngokupheleleyo.

Ukongeza, kufuneka kwakhona Kuya kufuneka ube nogcino lokuhlawula iindleko zakho malunga nonyaka ngaphambi kokuba uzibophelele ngokupheleleyo kurhwebo lobunikazi be-intanethi. Kufuneka unikezele inani elifanayo leeyure kuyo njengoko ubuya kwenza kumsebenzi ohlawulwayo ukuze ube nempumelelo, yiyo loo nto kubalulekile ukuba ube nendawo yokhuseleko.

Ukuqala akusoloko kulula, kwaye kufuneka Kufuneka ukwazi ukunyamezela iiveki okanye iinyanga ezimbalwa zokuqala, ezingasoloko zinenzuzo kakhulu. Urhwebo lobunini lufuna amava kunye noqeqesho ukuze uphile ngalo. Kuya kufuneka ke ngoko utyale ixesha elininzi kwimfundo, njengoko urhwebo kunye notyalo-mali lwentengiso yesitokhwe lufuna ulwazi oluphambili lweemarike zemali.
Okokugqibela, kufuneka ucinge ngononophelo phambi kokuba uqalise, kwaye uqinisekise ukuba unemali kunye nomonde wokufumana ulwazi namava.

Uthini uMvuzo wabarhwebi beBhanki?

Umfanekiso oqingqiweyo womthengisi ngulowo usebenza kwibhanki yotyalo-mali. Oku kudla ngokuba luhlobo lomrhwebi oboniswa kwiifilimu ezithetha ngeemarike zemali okanye kumaphepha angaphambili amaphephandaba.

Nangona kukho abathengisi abazimeleyo abasebenza kwiimarike, ngabarhwebi abavela kwiibhanki kunye neenkampani zotyalo-mali ezigcina i-stock market iphila. Amaziko emali abawasebenzelayo aphethe eyona mali mikhulu yemali. Ngaloo ndlela, imivuzo yabarhwebi kwiibhanki zotyalo-mali iphakathi kwezona zinto zinomtsalane kwihlabathi lezemali.

Umvuzo okanye umvuzo womrhwebi webhanki uxhomekeke kuye ukusebenza, kwayo ubukhulu kunye ne Indawo yebhanki emqeshileyo. I Umvuzo wabarhwebi abancinci - abo batsha kulo msebenzi - baqondwa ngokubanzi ukuba phakathi kwe-€4,000 kunye ne-6,000 ye-euro ngenyanga. Kodwa umvuzo womrhwebi unyuka ngokukhawuleza. Ubungqina boku kukuba umvuzo oqhelekileyo womthengisi webhanki 70,000 euro ngonyaka. Lo mvuzo omiselweyo wongezwa ngeebhonasi okanye iibhonasi ezinokudlula Amaxesha ama-8 kumvuzo wesiseko sangaphambili.

Nantsi eyona mivuzo iphezulu yabarhwebi bebhanki:

Umvuzo woMrhwebi we-BNP Paribas

Iqela lebhanki laseFransi li-10^e kwihlabathi jikelele. Umrhwebi ufumana umvuzo oqhelekileyo we-291 euro ngonyaka.

Umvuzo woMrhwebi eNatixis

Kwi-subsidiary yeqela le-BPCE, umvuzo wabathengisi yi-142 ye-euro ngonyaka ngokwe-avareji.

Umrhwebi weBarclays

Kubarhwebi kwibhanki yotyalo-mali yaseBritani iBarclays, umvuzo ophakathi we-114 yeeponti ze-sterling ngonyaka uhlawulwe kubarhwebi, okanye i-euro eyi-889.

Credit Agricole Trader salary

KwaCredit Agricole, umrhwebi ufumana umvuzo ophakathi we-150 yee-euro ngonyaka.

Cargill Trading Mvuzo

Inkampani yorhwebo yamazwe ngamazwe iCargill inika abarhwebi umvuzo ofanayo ngokufanelekileyo kuzo zombini izisombululo: i-126 yeedola ngonyaka e-United States (malunga ne-832 yee-euro) okanye i-104 CHF eSwitzerland (i-306 euros).

Umvuzo woMrhwebi weHSBC

I-HSBC ibonelela nge-avareji yee-euro ezingama-59 ngonyaka kubarhwebi bayo.

Umvuzo woMrhwebi eSociété Générale

I-Société Générale ikwaphakathi kweebhanki ezihlawula abarhwebi okona kulungileyo, kunye nabarhwebi bafumana umvuzo ophakathi we-200 ye-euro ngonyaka.

Umrhwebi weDeutsche Bank

I-Deutsche Bank ihlawula umrhwebi oqhelekileyo we-161 ngonyaka.

Umvuzo woMrhwebi weJP Morgan

Le bhanki yotyalo-mali yenye yezona ziyaziwa kakhulu kwihlabathi, ngakumbi ukususela kwintlekele yezemali ka-2008 xa idlala indima ebalulekileyo. Umvuzo oqhelekileyo womthengisi omncinci kwiJP Morgan yi-$ 117.

Umvuzo woMrhwebi weGoldman Sachs

Ngaphandle kokuqwalasela iibhonasi, umvuzo womthengisi omncinci kwi-Goldman Sachs unokufikelela $700,000 ngonyaka (iibhonasi zonyaka zifikelela kwi $250,000 ngokomyinge). Apha, umrhwebi unokuzuza Ngaphezulu kwezigidi ezingama-20 zeebhonasi! Abarhwebi kule bhanki ngokuqinisekileyo ngabona bahlawulwa kakhulu emhlabeni.

Umvuzo woMrhwebi we-UBS

Umrhwebi kwi-UBS ufumana i-$ 110 ngonyaka nge-avareji.

Umvuzo osisigxina wabarhwebi vs uMvuzo oguquguqukayo

Abarhwebi bebhanki banemivuzo equka isixa esimiselweyo kunye nesixa esiguquguqukayo. Esi sakhiwo sisebenza njengomthombo wenkuthazo.

Umvuzo osisigxina wabarhwebi beBhanki

Imarike yemasheya yindawo ekhuphisana kakhulu, kwaye abarhwebi batyala imali kwiimarike ngemali engeyoyabo. Ukwazisa ukuguquguquka kuvumela ulungelelwaniso ukuba lusekwe phakathi kokusebenza komrhwebi kunye nomvuzo wakhe.

Iibhanki ezinkulu kunye neenkampani zotyalo-mali ngoko zihlawula abarhwebi bazo kuqala ngomvuzo omiselweyo. Umvuzo omiselweyo womrhwebi webhanki yotyalo-mali ikakhulu ngumsebenzi wesikhundla esiphezulu somrhwebi.

Ngoko, kungakhathaliseki ukusebenza kwabo, Abarhwebi benqanaba lokungena baya kuba nemivuzo ephantsi kunabarhwebi abanamava. Umvuzo wokuqala womthengisi webhanki ufakiwe phakathi kwe-40,000 yee-euro kunye ne-50,000 ye-euro ngonyaka.

Ngokuphathelele abahwebi abanamava, umvuzo wabo ufakiwe phakathi kwe-60,000 kunye ne-100,000 ye-euro ngonyaka, nangona ezinye iibhanki zimise imivuzo yonyaka edlulayo. 200 euro.

Umvuzo oguquguqukayo wabarhwebi kwiBhanki

Oko kwathiwa, umngeni kubarhwebi ukwinqanaba le ibhonasi, inxalenye eguquguqukayo yomvuzo wabo. Nguye lo idla ngokwenza eyona nxalenye ibalulekileyo yembuyekezo yomthengisi.

Abarhwebi, ukuba bakhuthazwe, babelwa iinjongo zenzuzo kwimilinganiselo yexesha (isiqingatha sonyaka okanye ngonyaka). Ukufezekisa ezi njongo kuzuza iibhonasi, ezizisa umahluko wengeniso ngokusekelwe ekusebenzeni komntu ngamnye. Ngokomyinge, umvuzo womthengisi eFransi 250.000 euro kwiibhonasi. Abarhwebi abangcono kakhulu banokuzuza ukuya kuthi ga I-1,5 yezigidi zee-euro kwiibhonasi, okanye i-4 ukuya kwi-5 yezigidi ze-elite.

Umvuzo oguquguqukayo wabarhwebi (ibhonasi) eYurophu

Ukuqwalaselwa kwezenzo zebhonasi phakathi kwabarhwebi kubonisa ukuba eYurophu, iibhonasi zabarhwebi ziphantsi kunezinye iindawo ezifana ne-Asia okanye i-United States.

Oku kungenxa yommiselo owamiselwa yi-European Union emva kobunzima bonyaka ka-2008 nangona oku kuqikelelwa kungumthombo womvuzo wabo obalulekileyo.

Yiyo loo nto iibhonasi ezisasazwe kubanini bebhanki, abarhwebi kunye nabaphathi beengxowa-mali ziye zanqunyulwa.
Eyona bhonasi iphezulu kumthengisi kwi-European Union ngoku ivaliwe kabini umvuzo wakhe wenyanga.
Umlinganiselo awuzange wamkelwe ngokulula kwentliziyo ngabadlali kwishishini lezemali. Ukusabela, Iibhanki ziye zandisa imivuzo emiselweyo yabarhwebi ukuba zilindele iziphumo zemimiselo emitsha kwaye ziphephe ukukhukuliseka okukhulu kwengeniso yabarhwebi, eyona nto iphambili ekhuthazayo kulo msebenzi.

Bafumana malini abarhwebi ngokuxhomekeke kwiLizwe okanye kwiStock Exchange?

Umsebenzi womrhwebi ubandakanya ukuthenga nokuthengisa kwakhona izibambiso zemali. Ukwenza oku egameni lakhe okanye egameni labantu besithathu. Injongo yalo msebenzi woshishino kukuvelisa inzuzo eyinkunzi ngokuthenga ngexabiso eliphantsi nokuthengisa kwakhona ngexabiso eliphezulu (indlela esisiseko yokuvelisa inzuzo eyinkunzi, kodwa ingeyiyo yodwa).

Ngenxa yokuguquguquka kwamaxabiso, umrhwebi kufuneka ahlalutye iintsingiselo kwaye azilindele ukuze asebenzise inzuzo yakhe enkulu. Izibambiso zemali zikhutshwa ngabadlali bezoqoqosho (iibhanki, amazwe, iinkampani, njl.);

Yiyo loo nto utshintshiselwano lwesitokhwe njengeNew York okanye iLondon lukhulu kwaye luhloniphekile kuneParis. Ezi zintlukwano kwinani, indalo kunye nenguquko zinempembelelo kumsebenzi womthengisi kunye neenzuzo zakhe. Ke, umvuzo womrhwebi uyatshintsha ngokuxhomekeke kwilizwe okanye utshintshiselwano asebenza kulo:

Umvuzo woMrhwebi e-USA

Umyinge womvuzo womncedisi womrhwebi yi-81 yeedola. KwiWall Street, umrhwebi oqalayo ufumana i-avareji ye-000 yeedola / ngonyaka, kunye neebhonasi ze-93 yeedola / ngonyaka. Emva koko ngamava aqokelelweyo, umvuzo womthengisi kwiWall Street usekwe kwi-000 yeedola / ngonyaka ngokwe-avareji, kunye ne-180 yezigidi zeebhonasi.

Umrhwebi waseSwitzerland uMvuzo

ESwitzerland, umncedisi womrhwebi uya kuba nomvuzo oqhelekileyo we-101 euro. Umrhwebi ovela eGeneva okanye eZurich ufumana umvuzo ubuncinane we-362 euros ngenyanga, kuquka iibhonasi.

Imivuzo yabarhwebi eFransi

E-Paris, imivuzo yabarhwebi iphakathi kwe-50 kunye ne-000 ye-euro.

Umvuzo wabarhwebi eDubai

Kwinyanga enye kwaye ngaphandle kokuthathela ingqalelo iibhonasi, ingeniso yomthengisi onamava eDubai inokufikelela kwi-10 yeedola.

Abarhwebi Imivuzo e Luxembourg

Abarhwebi baseLuxembourg bafumana i-avareji yomvuzo wonyaka we-euro ezingama-67.

Umvuzo wabarhwebi baseHong Kong

EHong Kong, umrhwebi unomvuzo oqhelekileyo we-86 euro ngonyaka, ngaphandle kweebhonasi.

Umrhwebi uMvuzo eMorocco

Umrhwebi oqalayo eMorocco ufumana phakathi kwe-9 kunye ne-000 ye-euro, ngaphandle kweebhonasi.

Umvuzo wabarhwebi eLondon

Ngokubanzi, eLondon, umvuzo wenyanga ngaphandle kwebhonasi yomthengisi oqalayo ukuluhlu lwe-30 ye-euro ukuya kwi-000 ye-euro. Unokufumana ngaphezu kwe-60 euro kwiibhonasi.

Umrhwebi uMvuzo eBelgium

Umrhwebi waseBelgium ufumana i-euro eyi-120 nge-avareji ngonyaka, ngaphandle kweebhonasi.

Umvuzo wabarhwebi eCanada

Umrhwebi oqhelekileyo waseMontreal ufumana umvuzo wonyaka we-euro ezingama-57 ngaphandle kokuthathela ingqalelo iibhonasi.

Umrhwebi waseSingapore uMvuzo

Ngokomyinge, i-106 euros / ngonyaka ihlawulwa kubathengisi baseSingapore.

Amazwe okanye iiStock Exchange ezineMivuzo ePhakamileyo

Nazi i-5 stock exchanges apho abathengisi bahlawulwa kakhulu kwihlabathi.

Umrhwebi waseWall Street (USA)

Yeyona ndawo inkulu yokutshintshiselana ngesitokhwe ehlabathini ngokwemali yenkunzi kunye nomthamo wentengiselwano. Likhaya kwiibhanki ezinkulu kunye neenkampani zotyalo-mali ezifana neJP Morgan, iBlack Rock kunye neGoldman Sachs. Umvuzo womrhwebi kwiWall Street ufikelela $ 130,000 ngonyaka kubarhwebi junior / abaqalayo, ukuba ngaphandle kweebhonasi. Isafikelela malunga ne-99,000 yeedola ngonyaka.

Umrhwebi womvuzo waseLondon (eUK)

ILondon Stock Exchange lelona ziko lezemali libalulekileyo kwilizwekazi laseYurophu. Umrhwebi apho ufumana malunga ne-£ 71 ngonyaka ngokwe-avareji, kwaye lo mvuzo wabarhwebi waseLondon ungadlula i-£ 000 ngonyaka.

UMvuzo wabarhwebi (iSwitzerland)

ISwitzerland, eli lizwe lincinci laseYurophu laziwa kwihlabathi liphela ngoshishino lwalo lweebhanki. Umvuzo oqhelekileyo osisiseko womthengisi eSwitzerland ngu 130,000 CHF ngonyaka.

Umvuzo woMrhwebi weSGX (eSingapore)

Ngokomyinge, umrhwebi ufumana umvuzo osisiseko ojikelezayo I-120,000 S $ ngonyaka eSingapore, kwaye lo mvuzo ungadlula i-250,000 S $ / ngonyaka.

Euronext Paris (France) uMvuzo yabarhwebi

Umvuzo osisiseko womthengisi eFransi ukwi-avareji ngeenxa zonke € 66,000 ngonyaka, kwaye ingadlula i-€200,000 ngonyaka.

URhwebo loMvuzo Euronext Brussels (Belgium)

Umrhwebi unokufumana i-avareji ngaphezulu kwe-€4 kancinane ngenyanga eBelgium, kwaye lo mvuzo womrhwebi we-Euronext unokunyuka uye kuthi ga kwi-€ 000 ngenyanga.

Uthini uMvuzo wabaRhwebi ngokweNqanaba lamava abo?

Ukurhweba ngumsebenzi oguquguqukayo kakhulu apho amava yenye yezona zinto zibalulekileyo ekwandiseni izakhono kunye nokusebenza, kwaye ngoko ke umvuzo womrhwebi. Oku kuyinyani kubo bobabini umvuzo wabarhwebi abenza umsebenzi kwiibhanki kunye nomvuzo wabarhwebi abaziingcali kunye nabarhwebi abazimeleyo ngokubanzi.

Ekuqaleni umsebenzi, isiseko umvuzo umrhwebi ixhomekeke kwiikhrayitheriya eziliqela ezifana ilizwe okanye i ibhanki emqeshileyo. Kodwa ngokwembono yomthengisi, yakhe Isidanga saseyunivesithi sisixhobo sokuqalisa kakuhle. Ukuba ne-a isidanga senkosi eyunivesithi okanye Isikolo soshishino esidumileyo siyadibanisa.

EFransi, umrhwebi uya kuqala ngomvuzo omiselweyo we 4,000 euros ngenyanga ngokomndilili. Nyaka ngamnye, abarhwebi abasaqalayo barhola phantse 50,000 euro. Ngamava, imivuzo yabarhwebi iyanda.

Nangona kukho ukungafani okukhulu phakathi kweenkampani kunye namazwe, a Umrhwebi onamava angaphinda kabini umvuzo wabo ngexesha lomsebenzi wabo, ngokumalunga nomvuzo wabo wokuqala.

Ngokuphathelele kwi Njengebhonasi, zinxulunyaniswa ne Ukusebenza komrhwebi. Kodwa oku kukwanyuka ngokukhula: amava avumela iindlela zokucokisa kunye nokulawula iimali ezikhulayo, ezikhokelela kwinzuzo engcono. EYurophu, ezi bhonasi zivaliwe kabini umvuzo wesiseko somthengisi.

Kodwa kwezinye iindawo, njengaseUnited States, azinamda. Abarhwebi abanamava abanemivuzo kumakhulu amawaka eedola bangafumana ibhonasi kwizigidi zeerandi.

Ngabarhwebi abarhola malini ngokuxhomekeke kwizikhundla zabo?

Kwimali yemarike, kukho iiprofayili ezininzi ngaphakathi komsebenzi wokurhweba. Badlala iindima ezahlukeneyo, ngakumbi kwicala lasemva nangaphambili, ngemivuzo eyahlukileyo. Ngoko siya kuba nomhlalutyi, umthengisi oncedisayo, umthengisi kunye nenani.

Umvuzo womhlalutyi wezezimali

Xa kuthelekiswa nomvuzo wexabiso okanye umrhwebi, umhlalutyi uhlala ephethe isiphelo esisezantsi somlinganiselo kumsebenzi. Uqhuba umsebenzi wophando olusisiseko kwii-securities kwaye uhlalutya imarike. Ivelisa kwaye yenza ukuba kufumaneke kwabanye abadlali beemarike iingxelo zohlalutyo kumacandelo ahlukeneyo emarike. EUnited States, umhlalutyi wezezimali ufumana $70,500 ngonyaka ngokomyinge.

Umvuzo womthengisi oncedisayo

Idla ngokuba sisithuba phakathi komrhwebi kunye nomhlalutyi. Olu hlobo lwesikhundla ludla ngokuba lisango lokuya kutyalo-mali okanye kwicandelo lezemali kwimarike, kwaye lisoloko libandakanya abaqeqeshwayo. Umncedisi womrhwebi wenza umsebenzi wokulawula kunye nophando kumthengisi. Ngeentsuku ezixakekileyo, ngamanye amaxesha usenokuzithengisa ngokwakhe. Umvuzo oqhelekileyo womthengisi oncedisayo e-USA $45,613 ngonyaka. Ngoko ke uhlawulwa ngaphantsi komhlalutyi.

Umvuzo wabarhwebi

Ngumrhwebi ogqiba kwimihla ngemihla kwimisebenzi yokuthenga okanye yokuthengisa eyenzekayo kwiimarike zemali. Ukunikezelwa kweendidi zabadlali kunye neziqinisekiso, abarhwebi bahlala bekhethekileyo kwiintlobo ezithile zokurhweba okanye kwizixhobo ezithile zokurhweba. Umrhwebi ufumana umvuzo ophindwe kabini: umvuzo womthengisi osisigxina oxhomekeke kwiziko lezemali kunye nelizwe, emva koko iibhonasi zokusebenza. E-USA, imivuzo yabarhwebi ikwi-avareji phakathi kwe-$80,000 kunye ne-$100,000 yesininzi. EFransi, umvuzo womrhwebi ukwi-avareji phakathi kwe-50,000 kunye ne-70,000 €.

Umvuzo womthengisi wexabiso

Umrhwebi wobungakanani okanye umhlalutyi wobungakanani ("ubungakanani" obubekelwa "ubungakanani") ngumsebenzi wokurhweba othe wafika kunye nophuhliso lwetekhnoloji entsha. Le yiprofayili ekhethekileyo ngakumbi, ngakumbi kwinzululwazi yemathematika okanye kwimathematika esetyenziswayo. I-Quant iphuhlisa iimodeli eziqikelelwayo kwiimarike (yiyo loo nto sithetha ngokurhweba nge-algorithmic). Unokuzibhala ngokwakhe okanye akhuphe lo msebenzi kumphuhlisi.

Ngenxa yokuba baneprofayili ekunzima kakhulu ukuyifumana ngokuhambelana nemvelaphi yabo yezemfundo (imilinganiselo ihlala i-PhDs), umvuzo wabathengisi bobungakanani uphezulu kakhulu kunomrhwebi. EUnited States, umvuzo womhlalutyi wobungakanani unokufikelela $250,000 ngonyaka. Nangona kunjalo, akasoloko efumana iibhonasi njengento ebalulekileyo njengaleyo yomthengisi.

Uhlawulwa njani njengoMrhwebi weBhanki?

Abarhwebi bebhanki banelungelo lodidi lobuchwephesha. Ngumsebenzi obonakala kakhulu kuluntu kwaye uhlawulwa kakhulu. Kodwa kunokwenzeka ukuba ufumane umvuzo womthengisi ebhankini. Njani ? Kwanele ukuba ukuqala ukurhweba ngokuzimeleyo okanye ngasese ukusuka ekhaya.

Enkosi kurhwebo lwe-intanethi, nawe unokuqalisa ukurhweba kwiimarike zemali ukusuka kwikhaya lakho ngenkunzi yakho. Ngokuthenga nokuthengisa izibambiso zemali, uvelisa inzuzo eyinkunzi enokuthi yenze ingeniso ebalulekileyo. Ukuba ngumrhwebi ozimeleyo lisango lobutyebi kunye nenkululeko yezemali.

Ezimbini eziphambili avantagebabonakala bewamkela lo msebenzi:

• Uyalulawula ucwangciso lwakho. Kuba ungumphathi wakho, usebenza ngesantya sakho, uhlengahlengisa iiyure zakho kunye neeshedyuli.
• Umvuzo wakho/umvuzo wakho awunamda. Ukuba unesicwangciso esilungileyo, nguwe wedwa ofumana inzuzo yenkunzi oyiqaphelayo. Ngokwandisa kancinci kancinci imali yakho kwaye ube nobuchule kwiimarike ozirhwebayo, ungafikelela kwaye ugqithe nomvuzo womrhwebi webhanki.

Kukho imizekelo emininzi yabathengisi beebhiliyoni: uWarren Buffet, uJohn Paulson okanye uGeorge Soros, njl. Awunakuba yibhiliyoni, kodwa Ukurhweba kwiakhawunti yakho lithuba lokufumana ubomi obulungileyo.

Ukuze ube ngumrhwebi ozimeleyo, nanga amanyathelo ekufuneka uwalandele:

1. Qala ngokuchaza izizathu zakho. Umba wengqondo ubalulekile kurhwebo. Ukuzicacela ngokwakho malunga neentshukumisa zakho yeyona nto iphambili kwimpumelelo.
2. Imfundo eqinileyo kwiimarike zemali, ukuqonda indlela i-stock market esebenza ngayo kunye nezixhobo zokurhweba zibalulekile. Abarhwebi abaphumeleleyo banamava, banetalente, kwaye banethuku. Kodwa isiseko yimfundo eyomeleleyo kunye nolawulo lwemeko yentengiso.
3. Ziqhelanise neeakhawunti zeedemo zokulawula ukusebenza kwezixhobo kunye amaqonga okurhweba.
4. Khetha ifayile ye- umthengisi othembekileyo, ilawulwa ngugunyaziwe omnye okanye ngaphezulu.
5. Chaza amaqhinga akho kunye namacandelo emarike oza kusebenza kuwo.
6. Qinisekisa inkunzi yakho yokuqala. Olu khetho lubalulekile: inkunzi yokuqala kufuneka ibencinci ngokwaneleyo (ngokunxulumene nempahla yakho yexabiso) ukuze ukwazi ukuthwala umngcipheko welahleko, kwaye ibe nkulu ngokwaneleyo ukuba usebenze kwixesha elide kwaye ufumane iinzuzo ezibalulekileyo zenkunzi.
7. Gcina ijenali yokurhweba ukuze wenze imali kumava akho kwaye uphucule yonke imihla.

Zeziphi Izinto Eziphembelela Ingeniso Yabarhwebi?

Ukuhlalutya ishishini, sinokubona ukuba imivuzo yabarhwebi ayisasazwa ngokungenamkhethe. Kukho izinto ezininzi ezichaphazela inqanaba lengeniso yomthengisi. Phakathi kwabo, sinokucaphula:

• Izikhundla. Kwintengiso, kukho iiprofayili ezininzi: umhlalutyi wobungakanani, umhlalutyi wezezimali, umthengisi oncedisayo, okanye umrhwebi. Ngokuxhomekeke kwiprofayile yakho, uya kuba nomvuzo owahlukileyo.
• Ukusebenza. Abarhwebi bahlawulwa umvuzo omiselweyo kunye neebhonasi. Ezi zihlala zenza ubuninzi bembuyekezo yazo kwaye zixhomekeke ekusebenzeni komrhwebi.
• IKHAMPANI. Kwicandelo ngalinye, kukho iinkampani ezinkulu, ezihloniphekileyo, okanye eziphumelele ngakumbi kunabanye. Oku kuyinyaniso nakumaziko emali apho abarhwebi basebenza khona. Oku kuchaphazela imigaqo-nkqubo yemivuzo, kwaye ezinye iibhanki zihlawula abarhwebi babo ngcono kunabanye.
• Indawo yejografi. Umvuzo womrhwebi ukwaxhomekeke kwilizwe asebenza kulo. Umzekelo, amanye amazwe cap iibhonasi (amazwe European Union), lo gama ezi bhonasi ezifanayo zisasazwa ngokukhululekileyo kwenye indawo (United States).

Ungawonyusa njani uMvuzo wakho njengoMrhwebi waBucala/oZimeleyo?

Ukuba sele usebenza njengomthengisi ozimeleyo ukusuka ekhaya, mhlawumbi uye waqaphela amandla alo msebenzi. Umngeni oqhubekayo kukufumana indlela yokunyusa umvuzo wakho njengomthengisi ozimeleyo.

Unale nto engqondweni, umba ophambili kukuqinisekisa ukuba ufumene kwaye uthengisa nge umthengisi ongcono kakhulu / umthengisi we-intanethi. Yisango lokuya kwimarike kumrhwebi ozimeleyo, kwaye ngoko ke uphembelela umsebenzi wakhe kuyo yonke imilinganiselo yayo. Ngoko kufuneka:

• Fumana umthengisi we-intanethi nge Uluhlu olubanzi lweemveliso zezemali lukhoyo, zombini ngokwenani lee-securities kunye neentlobo zazo (i-stocks, iibhondi, i-CDS, i-commodities, njl.). Oku kwandisa amathuba akho otyalo-mali kwaye kwandisa iinzuzo zakho ezinokubakho.
• Ukukhetha umthengisi we-intanethi onayo Iimeko ezithandekayo malunga nokusabalalisa kunye neekhomishini. Ezi ziintlawulo ezinciphisa inzuzo yakho. Kufuneka ke ngoko zibephantsi kangangoko. Umthengisi we-ECN okanye ngaphandle kokusasazeka ilungele scalpers kunye nabarhwebi imini, ngelixa a i-broker ene-low spreads ilungele abarhwebi abangasebenziyo kunye nabatyali-mali kwimarike yemasheya.
• Khetha umthengisi onikezelayo Iimeko ezifanelekileyo zokurhweba ziyimfuneko, ngakumbi ngokwemigaqo yamaqonga, iindlela zokuhlawula, kunye nokuphunyezwa. Umzekelo, ukucotha kunye nokubulawa kakubi kunokukhokelela ekubeni izikhundla zakho zivulwe (okanye zivaliwe) ngamaxabiso ahlukileyo kulawo akhoyo xa kusenziwa umyalelo, okunokubangela ukuba ulahlekelwe yimali.

Ungawubala njani uMvuzo wakho woMrhwebi?

Ukuba urhweba ngeakhawunti yakho, ngokuqinisekileyo awufumani isiliphu sentlawulo. Unokulandelela imisebenzi yakho, umthamo weakhawunti yorhwebo, njl. Kodwa ukuze ufumane umbono wokwenyani wemali oyifumanayo, kufuneka ukwazi ukufumanisa ukuba nguwuphi umvuzo ohambelana nomvuzo owenzayo.

[wptb id = "25594" ayifunyenwanga]

Ukubala umvuzo wakho wabarhwebi, nanga amanqaku okuhlola:

Isibali soMvuzo woMrhwebi: ROI (Buyela kuTyalo-mali)

Ezi zizixa oziqokelelayo ukongeza kwimali oyibhejayo kurhwebo lwakho (imali etyaliwe + inzuzo eyinkunzi). Ngexesha eliphakathi, i-ROI yakho ixhomekeke kwisicwangciso sakho, ubuninzi borhwebo lwakho, kunye nokusetyenziswa kwakho kwamanqanaba omgangatho ogunyazisiweyo ngumthengisi wakho. Ubuxhakaxhaka bunokwandisa kakhulu ukuzuza kwakho, kodwa kunye neelahleko zakho; kungoko imfuneko yokuzigquma kakuhle ngee-odolo zelahleko yokuyeka umzekelo.

Ukubala uMvuzo woRhwebo: Inkunzi

Umrhwebi ozimeleyo unemali eyinkunzi ayisebenzisayo ukwenza amashishini akhe. Kukule nkunzi apho i-ROI isetyenziswa. Ukuba ufumana i-ROI ye-12% ngenyanga kwaye inkunzi yakho yi-euro eyi-1, ngoko ufumene i-euro ezili-000 ngenyanga, okanye i-120 ye-euro ngonyaka. Kuyimfuneko ke ngoko ukuba kubekho imali eyinkunzi ngokwaneleyo ukuze kuqinisekiswe ingeniso efanelekileyo, kwanamaqhinga anengeniso efanelekileyo.

Ukubala uMvuzo wabarhwebi: Iindleko

Umsebenzi wakho wokurhweba awukho ngaphandle kweendleko. Ngaphandle kweendleko ezingathanga ngqo (umbane, uqhagamshelo lwe-intanethi, uqeqesho, njl.njl.), iindleko ezithe ngqo zinciphisa umvuzo wakho. Ezi zezo IiKhomishini, ukusasazeka, ukutshintshiselana, kunye nezinye iintlawulo ezihlawuliswa ngumthengisi wakho kufuneka zitsalwe kwinzuzo yakho ngaphambi kokuba unqume ukuba yintoni oyifumanayo ngokwenene.

Ubalo lwemivuzo yoMrhwebi: Iirhafu

Nawuphi na umvuzo unokutsalwa irhafu. Kufuneka ke ngoko uqinisekise ukuba uyahambelana nabasemagunyeni berhafu ngokuhlawula irhafu ehambelana nesibiyeli somvuzo wakho. Ngamafutshane, kufuneka uthabathe isixa seerhafu ozihlawulayo kumvuzo wakho.
Kufuneka kuqatshelwe ukuba ubalo lunokwenziwa ngonyaka. Ke, ukuba awufuneki okanye uzimisele ukurhoxisa inzuzo yakho eyinkunzi ngokuthe ngqo, unokuyishiya kwiakhawunti kwaye mhlawumbi uphinde uyityale ukuze ukwandise inkunzi yakho kunye nomvuzo.

Yintoni umrhwebi olungileyo?

Ulwazi olulungileyo lwezemali zemarike kunye nezicwangciso ezilungileyo ziluncedo, kodwa yintoni eyahlula umrhwebi olungileyo kwabanye ezi mpawu zilandelayo (ngokukodwa ngokwengqondo): umonde, ukuqeqeshwa, amava, ukuzibamba (umzekelo , ukwazi ukuhlala uzolile kwaye uqokelelwe, nantoni na ukuvela kweemarike).

❓ Urhweba njani ngokufanelekileyo?

Ukurhweba kakuhle, kufuneka uqale uziqeqeshe. Emva koko kuya kufuneka umisele isicwangciso sakho, i-capital yakho, ufumane i-broker elungileyo, lumka kwaye wazi indlela yokuzilawula xa ujongene neemvakalelo ezinamandla ezivelayo kunye nokulandela iinzuzo ezinkulu njengelahleko enkulu.

Bayenza Njani Imali Abarhwebi?

Abarhwebi bafana nabarhwebi abaqhuba imarike yezemali. Benza imali kwinzuzo yenkunzi abayenzayo ngokuthenga isitokhwe esisezantsi kwaye basithengise ngexabiso eliphakamileyo (iqhinga elisisiseko). Eli xabiso elongezelelweyo lingaza ngqo kubo ukuba ngaba abahwebi abazimeleyo, okanye banokulindela umvuzo kunye neebhonasi ukuba ngabahwebi abaqeshwe yiziko lezemali.

Ngubani oyena Mrhwebi ubalaseleyo eHlabathini?

UWarren Buffet uthathwa njengoyena mrhwebi mkhulu kwihlabathi. Ngokuqinisekileyo ungoyena mntu usisityebi, ekubeni engoyena mntu wesithathu osisityebi ehlabathini. Ukwayaziwa ngobulumko bakhe, obamvumela ukuba abaleke ukugqabhuka kwamaqamza amabini emali: i-Intanethi kunye ne-subprime mortgages.

Zeziphi iziFundo zokuba nguMrhwebi?

Kukho iikhosi ezininzi ezinokukulungiselela umsebenzi wokuba ngumrhwebi. Eyona nto ixhaphakileyo kukufumana isidanga se-master kwezemali okanye kwezoqoqosho kwiyunivesithi enkulu okanye kwisikolo soshishino. Esi sidanga senkosi sinokugqitywa ngomjikelo wesithathu kunye/okanye noqeqesho. Kwakhona, iiprofayili zemathematika ezinjengeenjineli, izazinzulu zekhompyuter kunye nabanye abaphumelele imathematika esetyenzisiweyo zikwafumaneka kurhwebo, ngakumbi njengabahlalutyi bobungakanani okanye "ubungakanani", umhlalutyi wobungakanani ngesiFrentshi.

Zive ukhululekile ukushiya uluvo ukuze wabelane nathi ngomvuzo wakho wokurhweba okanye nayiphi na enye into malunga nomvuzo wakho njengomthengisi ozimeleyo okanye umrhwebi oqeshwe yibhanki!