Ukuncipha Nokuhlanganiswa Kwenani

I-Calculator Yesilinganiso Sesikhundla: thola intengo yakho yangempela yokungena

Uma uthenga isitoko noma i-coin efanayo kaningi kunakanye, intengo owakhokha yona ngempela ivamise ukungabi yinombolo ongayiqagela kalula. I-Calculator Yesilinganiso Sesikhundla yenza umsebenzi wamabhuku kuwe: ithatha ukuthenga kwakho ngakunye, ilinganise ngunyaka ngeyunithi ezithengiwe, futhi ibuyisele intengo eyodwa yesilinganiso yokungena. Leyo nombolo, ebuye ibizwe ngokuthi isisekelo sezindleko (cost basis), yisisekelo cishe zonke izinqumo ezilandelayo. Ikutshela ukuthi ulingana kuphi, kuqhele kangakanani imakethe kufanele inyakaze ngaphambi kokuba usenzuzweni, nokuthi ukuthenga amayunithi engeziwe kuyasiza ngempela isikhundla sakho noma kujula kuphela ukubandakanyeka kwakho.

Lesi sihloko siwulwazi kuphela futhi akulona iseluleko sezimali. Umgomo lapha ukuchaza isibalo ngokucacile ukuze uqonde ngokuqinisekile ukuthi ithuluzi liyini futhi ulifunde kanjani.

Intengo yesilinganiso esisindwe yokungena ibalwa kanjani

Isibalo esiyisisekelo silula: izindleko zonke zihlukaniswe ngamayunithi onke. Awulinganiseli amanani ngqo, ngoba lokho kuzoshiya ngaphandle ukuthi wathenga amayunithi amangaki entengweni ngayinye. Kunalokho, ulinganisela ukuthenga ngasinye ngosayizi waso.

Ngamazwi alula, phindaphinda intengo ngayinye ngenani lamayunithi athengwe kuleyo ntengo, hlanganisa wonke lawo mananga ukuze uthole izindleko zakho zonke, bese uhlukanisa ngenani lonke lamayunithi osele uwaphethe. Njengefomula:

Intengo yesilinganiso = (Iyunithi₁ × Intengo₁ + Iyunithi₂ × Intengo₂ + ...) ÷ (Iyunithi₁ + Iyunithi₂ + ...)

Nasi isibonelo esisebenzisiwe. Ake sithi uthenga amasheya angu-100 ngo-$50, bese uphinde uthenge amanye angu-50 ngo-$40 emva kokuba intengo yehlile. Izindleko zakho zonke ziyi-(100 × $50) + (50 × $40) = $5,000 + $2,000 = $7,000. Manje ususele namasheya angu-150. Intengo yakho yesilinganiso yokungena ingu-$7,000 ÷ 150 = $46.67 esheyeni ngasinye. Qaphela ukuthi akusiyo $45, isilinganiso esimane sikaphakathi phakathi kuka-$50 no-$40. Ngoba unamasheya amaningi entengweni ephakeme, isilinganiso esisindwe sisondele ku-$50. Lo umphutha oyivame kunazo zonke abantu abawenza ngesandla, futhi yikhona ngempela i-calculator ekhona ukuwulungisa.

Ukuncipha kwesilinganiso nokukhuphuka kwesilinganiso

Ukuncipha kwesilinganiso (averaging down) kusho ukuthenga okwengeziwe kwempahla ngentengo engaphansi kwesilinganiso sakho samanje. Kuncisha intengo yakho yesilinganiso yokungena. Usebenzisa isibonelo esingenhla, isilinganiso sakho esingu-$46.67 savela ekwengezeni amasheya ashibhile kunowokuqala wakho owathenga. Uma ubuthenge amanye amasheya angu-200 ngo-$35, isilinganiso sakho besizowehla kakhulu, siye cishe ku-$40. Imakethe manje idinga nje ukubuyela esilinganisweni sakho esisha ukuze uqale ulingane, hhayi ukukhuphukela emuva ngokuphelele endaweni yakho yokuqala yokungena.

Ukukhuphuka kwesilinganiso (averaging up) kuwukuphambana: ukuthenga okwengeziwe ngentengo ephezulu kunesilinganiso sakho samanje, okwenyusa intengo yakho yesilinganiso yokungena. Abatshali benza lokhu uma isikhundla sesivele sisebenza kahle futhi befuna ukwengeza kokuphumelelayo. Ukuhweba ukuthi ukungena kwakho lapho kufanele uqale ulingane kuyanyuka nokuthenga ngakunye, ngakho ukwehla okungabe sekushiya usalinganile manje sekukubeka esimweni sokulahlekelwa.

Intengo yokulingana (Break-even)

Intengo yakho yokulingana yintengo yakho yesilinganiso yokungena nje, ngaphambi kwezindleko nentela. Kuleyo ntengo awuzuzi futhi awulahlekelwa. I-calculator ikuveza lokhu ukuze ubone, ngokushesha, izinga imakethe okufanele ifike kulo ukuze uthole izindleko zakho zibuyele kuwe. Esibonelweni sokuqala, ulingana ku-$46.67. Khumbula ukuthi imali yokuhweba, izikhala zentengo, kanye nanoma iyiphi intela emazuzweni zinyusa intengo yakho yangempela yokulingana ingcosana ngaphezulu, ngakho phatha inombolo eshiwo njengendawo yokuqala engakabi nezindleko kunendawo eqondile yamadola lapho uphuma khona ulingana.

Ubungozi bokuncipha kwesilinganiso empahleni eyehlayo

Ukuncipha kwesilinganiso kubukeka kuhehayo ngoba kunciphisa ukulingana kwakho, kodwa kunemikhawulo emibili. Isikhathi ngasinye owengeza esikhundleni esesilahlekelwa, wandisa ukubandakanyeka kwakho kwempahla esivele inyakaza ngokumelene nawe. Uma intengo iqhubeka isehla, manje ulahlekelwa imali ngokushesha esikhundleni esikhulu. Isu lisebenza kahle kakhulu lapho isizathu sokuqala owathenga ngaso sisagcinwe futhi ukwehla kuveza umsindo omakethe obanzi hhayi okuthile okuhlala kubi enkampanini noma ephrojekthini. Uma ukwehla kudalwa yizinsika ezisontekayo, ukuncipha kwesilinganiso kungaguqula ukulahlekelwa okuncane kube okukhulu. Igama abahwebi abalisebenzisayo "ukubamba imela ewayo" (catching a falling knife), futhi i-calculator ayikwazi ukukutshela ukuthi imela isawa. Ikutshela nje ukuthi isilinganiso sakho esisha singaba yini uma ungeza amayunithi ngentengo ethile.

Ukulinganisa ngezindleko ezimile ngokufushane

Ukulinganisa ngezindleko ezimile (Dollar-cost averaging, i-DCA) kuwumqondo ohlobene kodwa obanzi kakhulu. Esikhundleni sokuphendula ukwehla kwentengo, utshala isamba esimile ngoshedula ojwayelekile, kungakhathaliseki ukuthi intengo isikuphi. Ngokuhamba kwesikhathi lokhu kwenza intengo yakho yokungena ibe bushelelezi kuzo zonke izokuthenga eziningi futhi kususa ingcindezi yokuzama ukuhambisana ncamashi nemakethe. Ukuncipha kwesilinganiso kuyisinqumo sokuzikhethela, esenzeka kanye, sokwehlisa isisekelo sezindleko esikhundleni esikhona; i-DCA umkhuba oqondisiwe, ozenzakalelayo. Bobabili bangahlolwa ngalelithuluzi ngokufaka ukuthenga ngakunye njengomugqa ohlukene.

Ungasebenzisa imibhalo eminingi ngangokudingayo, bese uqhathanisa izimo ngaphambi kokuzibophezela ngemali yangempela. Uma usuqedile lapha, hlola konke amacalculator wonke, noma uhlole amanani we-crypto aphilayo ukufaka amanani amanje ngqo ohlelweni lwakho lokulinganisa.

Imibuzo evame ukubuzwa