Moruo o tseba ntho e joalo e le letsete le tobileng, le sebelisoang ka mafolofolo linaheng tse ngata. Ho na le mefuta e fapaneng ea lichelete tse joalo ka mekhahlelo ea bona le melao ea bona. O ka ba hulela mokhatlong oa hau ka litsela tse 'maloa.
Letlotlo lee le tobileng ke eng?
Lichelete tsa nako e telele tsa chelete e ikemetseng ka ho toba ts'ebetsong ea tlhahiso li bitsoa matsete a tobileng. Lichelete li sebelisitsoe ho hokisa kapa ho hlahisa lintho tse bonahalang. Li u lumella hore u be mong'a thupa e laolang. Ho hlalosa se boleloang ke tlhahiso-pele e tobileng, hoa lokela ho bontša hore ho etsa li-deposit tse joalo, motho o fumana karolo mohloling o lumelitsoeng oa mokhatlo (bonyane 10%). Ka lilemo tse ngata, ho bile le keketseho e kholo ea lichelete tse tobileng, tse etsoang ka chelete e khethehileng.
Ho na le mefuta e fapaneng ea tlhahiso-pele ea ho toba:
- Sehoebo se reka mohoeletsi oa kantle ho naha. Ka mokhoa ona, tekanyo ea letsete ke bonyane 10-20% ea kakaretso ea kabelo.
- Ho tsosolosoa ha chelete ho fana ka maikutlo a hore phaello e fumanoang ho tsoa khoebong ea khamphani ea khamphani e sebelisetsoa ho hlahisa k'hamphani. Bohlokoa ba eona bo itšetlehile ka karolo ea depositor ho motse-moholo.
- Ho fumana mokoloto ka hare ho mokhatlo kapa ho etsa lichelete tse tobileng ho lefella likoloto tse pakeng tsa hlooho le ofisi.
Morero oa lichelete tse tobileng
Khetho ena ea lichelete e sebelisoa ho theha taolo ea tlhahiso kapa ho e matlafatsa. Ho kenya lichelete ka ho toba ka likarolo ho eketsa boemo ba taolo ho sa tsotellehe mofuta oa molao oa khoebo. Ka lebaka leo, lichelete li ka susumetsa boemo ba thekiso le thekiso, esita le chelete ea phaello. Maemong a mangata, batjhelete ba boemong bo ts'oanang le mookameli le mong'a khampani. Ho kenya lichelete ka ho toba bakeng sa mokhatlo o hlophisitsoeng ke habohlokoa ho thusa ho itšireletsa ho tsoa bankeng kapa ho fana ka monyetla oa ho atolosa tlhahiso.
Thuto ea tlhahiso-pele e tobileng
Moruong oa machaba, likhopolo tse fapaneng li sebelisoa, ka thuso eo ho ka khonehang ho hlalosa ts'ebetso ea lichelete. Lichelete tse tobileng le tse sa tobang li nkoa ka motheo oa likhopolo tse joalo:
- Khopolo ea ho se phethahale ha 'maraka. E itšetlehile ka ho batlisisa baruoa ka ho se phethahale ha 'maraka, e leng se ba fang monyetla oa ho sebelisa chelete ka mokhoa o atlehileng haholoanyane. "Likhakha" tse joalo li ka bakoa ke leano la khoebo, tlhahiso le melao.
- Khopolo ea ho sireletsa likhukhuni. E bontša hore tsamaiso ea chelete e behiloe ke moeta-pele oa 'maraka.
- Khopolo ea "likhantši tse fofang". Moqapi oa mohlala ona, o bonts'a hore o ka ea ho motho ea tsoang ka ntle ho mohlokomeli oa thepa. O ile a khetha mehato e meraro ea tsoelo-pele ea indasteri: ho kena ha lihlahisoa 'marakeng ka mokhoa oa ho kenngoa ka ntle ho naha, ho buloa ha makala a macha le lik'hamphani ka lebaka la matsete a ka khotsofatsang tlhoko ea malapeng le ea ka ntle, e leng se etsang hore motho ea kenang ka ntle ho naha a ntšetse ka ntle.
Lichelete tsa likoloto le likoloto
Ba bangata ba ferekanya maikutlo ana a mabeli, kahoo ke habohlokoa ho tseba hore na ba fapane joang. Haeba nako e qalang e utloisisoa, tjhelete ea matsete ea lipapali ea chelete e utloisisoa e le ho reka matšeliso 'me sena se ka nkoa e le chelete e sa lokelang. Ka lebaka leo, mong'a lona ha a iketse eka o laola khampani. Phapang pakeng tsa lichelete tsa lichelete le likoloto li ka utloisisoa ka litšobotsi tse joalo:
- Mosebetsi oa ho kenya lichelete ka kotloloho ke taolo ea mokhatlo, 'me tsamaiso ea lifofane ke ho fumana phaello e phahameng.
- Ho kenya ts'ebetsong mosebetsing ka ts'ebetso e tobileng, theknoloji e nchafatsoa, le bakeng sa matsete a lifolete, lichelete tsa khamphani tsa ho reka.
- Litsela tsa ho finyella seo o se batlang bakeng sa lichelete tse tobileng - tsamaiso le theko ea thupelo ea ho laola (ho tloha ho 25%), le bakeng sa likotifolio - tse ka holimo ho 25%.
- Chelete ea lichelete tse tobileng e tlisa phaello ho bo-rakhoebo, le bakeng sa matsete a lifofane - liphaello le thahasello.
Letsete la lichelete ka ho toba
A re qaleng ka mantsoe, kahoo, tlasa lichelete tse tsoang ka ntle ho naha ho utloisisa lichelete tsa nako e telele tse tsoang linaheng tse ling tse tsoang makala a sa tšoaneng a moruo oa naha e 'ngoe. Bolumo ba bona bo itšetlehile ka boemo ba ho lema le ho khahleha ha mohaho. Lichelete tsa lichelete tse tsoang linaheng tse ling ha li tiise feela hore li fumane chelete, empa li boetse li khothalletsa ho kenngoa ha theknoloji e ncha ha ho etsoa tlhahiso. Ka lebaka la sena, ho na le monyetla oa ho khetha mefuta e mecha ea ho rekisa mosebetsing.
Letsetsetso le tobileng la ho kena
Bakhoebo ba bangata ba tsoang linaheng tse ling ba etsa lichelete lik'hamphani tsa naha, sena se nkoa e le letsete le kenang. Bakeng sa dipeeletso tsa lichelete tse tsoang linaheng tse ling, khampani e lokela ho ba e ntle le e tšepisang Kakaretso ea lichelete tse hlahelletseng le tse tlang e hlahisa letšoao la bohlokoa la macroeconomics - bokhoni ba lichelete tsa naha lefapheng la machaba. Haeba u sheba Amerika, joale leihlo la li-deposit tse tsoang li feta tse kenang, ke hore, naha ke mohlokomeli oa letlooa.
Letsete la lichelete ka ntle
Mokhoa ona o sebelisetsoa ho hlalosa maemo ha mohoebi a lefshoa lik'hamphani tsa kantle. Ha re hlalosa mekhoa e metle ea lichelete, re lokela ho hlokomela hore mosebetsi oa bona ho tsoa linaheng tse tsoelang pele o ntse o hōla. Morao tjena, palo ea lichelete tse tsoang linaheng tsa Asia li hōlile haholo. Ka mohlala, u ka nka Chaena, moo kgolo ea lichelete tse tsoelang pele e amanang le ho kopana le lik'hamphani tsa lik'hamphani tse kholo.
Joang ho hohela matsete a tobileng?
Ho fumana li-depositors tse tšepahalang ha ho bonolo, empa ho na le litsela tse 'maloa tseo u ka finyellang sephetho. Pele u lokela ho sebetsa mosebetsing oa hau, hobane o lokela ho ba motle ho baeti. O ka batla ba depositors sebelisa mekhoa e latelang:
- Lichelete tsa lichelete tse tobileng linaheng tse ling li ka khahloa ke ho kopanela meketeng e sa tšoaneng le lipontšo tsa liphihlelo le lihlahisoa, eseng feela sebakeng sa heno, empa hape le linaheng tse ling.
- U ka sebelisa lits'ebeletso tsa baphatlalatsi - mekhatlo ea khoebo le mebuso.
- Kgetho e 'ngoe ke ho beha tlhahisoleseding e mabapi le morero ka litsebo tse khethehileng tsa dintlha.
- Ho na le mekhatlo e mengata e sebetsang 'marakeng oa lichelete, e fanang ka litšebeletso tsa litsebi ho fumana baeti, le linaheng tse ling.
E le hore u hohele lichelete tse tobileng, ho hlokahala hore u nahane hore bakeng sa ntlha e 'ngoe le e' ngoe ea ntshetsopele ea morero, ho molemo ho hohella lichelete ho tsoa mohloling o fapaneng.
- Ho rera. Haeba ho na le khopolo e kholo, empa ha ho na chelete ea ho kenya ts'ebetsong, joale o ka batla thuso ho tswa ho selikalikoe se haufi-ufi sa metsoalle, mananeo a mmuso le matsete a lichelete.
- Ho qala. Nakong ena, moralo oa khoebo o se o ntse o le teng, sehlopha se ngolisoa 'me mosebetsi o se o felile, empa ha ho na phaello. Ho ntshetsa pele dipeeletso, o ka fumana ka ho ikopanya le lichelete tsa khoebo, lichelete tsa boinotšing le bafani ba tsoang linaheng tse ling.
- Qala hantle. Mokhatlo o se o ntse o lula sebakeng se itseng 'marakeng' me o na le phaello, ho sa tsotellehe hore e nyenyane. Ho atolosa mesebetsi ea bona ho tla thusa chelete ea lichelete tsa boinotšing, li-capitalist le libanka.
- Khōlo le nts'etsopele. Likhampani tse nang le phaello e tsitsitseng li tla fumana ho le bonolo ho fumana lichelete. Tharollo e molemo ka ho fetisisa: lichelete tsa lichelete tsa khoebo, li-capitalist tsa linaheng tse ling, lichelete tsa naha le libanka
- Khoebo e rarollang. Tabeng ena, ho molemo ho se amohele matsete a ts'ehetso, empa ho rekisa likarolo. Joaloka bahoebi, bahoebi ba boinotšing, lichelete tse tobileng, libanka le lichelete tsa penshene li ka sebetsa.
Matsete a ho toba - mekhoa
Ho na le litsela tse 'maloa tsa ho kenya chelete, tse lulang e le tsa bohlokoa ka nako e fetang selemo le lilemo tse tlang kotsi ea phetoho e fokolang. Mefuta ea tlhahiso-pele e tobileng e tla ba ea bohlokoa tabeng ea ho qala ho fapana. Ho na le litlhahiso tse ngata, kahoo u lokela ho khetha khopolo ea pele ka litebello tse ntle. Morao tjena, litlaleho tsa PAMM le merero ea HYIP li khahleha haholo bakeng sa ho kenya chelete.
Letlōle la Bonyane la Equity
Lentsoe lena le utloisisoa e le ho bokellana ha lichelete tsa lichelete tse 'maloa tse hlokang chelete e le hore ho sebelisoe lichelete tse kopanetsoeng mokhatlong o itseng. Lichelete tsa lichelete tsa sechaba le tsa linaheng tse ling li sebetsa ho ea ka morero o latelang: morero oa ts'ebeliso ea lichelete o khethiloe, tumellano e etsoa, bokhoni ba thekiso bo ntlafatsoa, 'me phaello ea ho etsa lichelete khoebong le ho tsoa ka mor'a moo e fumanoa. Lichelete li ka ba mekhatlo ea bokahohleng le e arohaneng, ka mohlala, mekhatlo e sebetsang feela lebaleng la IT.