Tohutohu hei karo i ngā tinihanga haumi ipurangi
Kua hurihia e te ao matihiko te huarahi e haumi ai tātou, ā, kua huaki ake he whānuitanga o ngā whai wāhitanga mō ngā kaipupuri moni tauhou me ngā kaipupuri moni mātau. Heoi anō, kua whakaratohia hoki he whenua momona mō ngā kaipahua ki te whakamahi i te hunga kore e tūpato. Kua piki haere te matatau o ngā mahi tinihanga haumi ipurangi, nō reira he mea nui kia ako ngā kaipupuri moni i a rātou anō ki te kite me te karo i ēnei mahanga. Anei ētahi tohutohu matua hei tiaki i a koe mai i ngā tinihanga haumi ipurangi.
1. Whakahaerehia te Rangahau
I mua i te whakapau i tō moni ki tētahi haumitanga, he mea nui kia rangahauhia pai. Anei ētahi huarahi hei tirotiro i tētahi whai wāhitanga haumi:
– Manatokohia te Tikanga o te Kamupene: Whakamahia ngā rauemi pēnei i te Better Business Bureau (BBB), te Financial Industry Regulatory Authority (FINRA), me te US Securities and Exchange Commission (SEC) hei tirotiro i te mana o te kamupene.
– Rapua ngā Tohu Whero: Kia tūpato ki ngā kamupene e oati ana i ngā hokinga nui me te iti, te kore rānei o te mōrearea, ki ngā kamupene rānei e akiaki ana i a koe ki te whakatau wawe tonu.
2. Kia Whakahē ki ngā Hua Nui me te Mōrearea Iti
He pono rawa te whakataukī "ki te mea he pai rawa te tangi, tera pea he pono", i roto i te ao haumi. He maha ngā wā ka tukuna e ngā kaipahua ngā kupu whakaari mō ngā hokinga nui me te iti o te mōrearea ki ngā kaipupuri moni, me te whakamahi i te hiahia tūturu mō ngā hua tere me te ngāwari. He taumata mōrearea kei roto i ngā haumitanga tūturu, ā, ko ngā hokinga nui e hono ana ki te mōrearea teitei ake.
3. Kia Mārama ki te Pūtea
Whakangao noa i ngā mea e mārama ana koe. He maha ngā wā ka whakamahia e ngā kaipahua ngā kupu uaua me ngā mahi tinihanga hei whakapohehe i ā rātou ūnga. Anei ētahi mahi hei mahi māu:
– Pātai atu: Ki te kore koe e mārama ki te mahi a te haumitanga, pātai atu kia mārama rā anō koe.
– Rapua he Tohutohu Ngaio: Whakaarohia te kōrero ki tētahi kaitohutohu pūtea hei āwhina i a koe ki te aromatawai i te haumitanga.
– Mahia tāu Mahi Kāinga: Rangahauhia te hua, ngā āhuatanga o te mākete, me ngā raraunga mahi o mua e wātea ana.
4. Kia Tūpato ki ngā Tuku Kāore i tonoa
He maha ngā mahi tinihanga haumi ipurangi ka tīmata mā te tuku tono kore i tonoa mā te īmēra, pāpāho pāpori, tae noa ki te waea. Kāore i te maha ngā whai wāhitanga haumi tika e puta ohorere mai ana:
– Kaua e aro ki ngā Hoapā Kāore i tonoa: Kaua e uru atu ki ngā tuku kāore i tonoa.
– Pūrongohia ngā Hoapā Whakahē: Pūrongohia ngā mahi whakahē ki ngā mana whakahaere e tika ana pēnei i te FTC i te Hononga o Amerika.
5. Tiakina ōu Mōhiohio Whaiaro
He maha ngā wā ka uru te tahae tuakiri ki ngā mahi tinihanga ipurangi, ka whakamahia e ngā kaipahua ōu mōhiohio whaiaro hei mahi tinihanga. Anei ngā huarahi hei tiaki i a koe anō:
– Whakamahia ngā Kupuhipa Kaha: Whakamahia ngā kupuhipa ahurei, uaua hoki mō ō pūkete pūtea.
– Whakahohehia te Motuhēhēnga-Rua (2FA): Mā te tāpiri i tētahi atu paparanga haumarutanga ka āwhina i te tiaki i ō pūkete.
– Me Whakahōu tonu i ngā Pūmanawa: Whakahōu tonu i tō rorohiko me ō pūrere pūkoro hei ārai i ngā ngoikoretanga haumarutanga.
6. Āraia ngā Rautaki Pēhanga-Tiketike
He maha ngā wā ka whakamahia e ngā kaipahua ngā rautaki hokohoko pēhanga nui hei waihanga i te wairua o te hiahia kia tere te haumi. Mā ngā kaitohutohu pūtea me ngā kamupene haumi tika koe e hoatu he wā ki te whakaaroaro i tāu whakatau:
Kia mataara: Kaua e hohoro te whakatau i tētahi haumitanga.
– Ngā Tuhinga Tono: Tonoa ngā tuhinga katoa e tika ana hei arotake i ngā taipitopito haumitanga i tōu ake tere.
7. Manatokohia te Tautukunga Ture
Me whakarite kei te rēhita te tangata, te umanga rānei e mahi tahi ana koe ki ngā whakahaere ture e tika ana. I te Hononga o Amerika, kei te pupuri te SEC, te FINRA, me te Commodity Futures Trading Commission (CFTC) i ngā pātengi raraunga hei āwhina i a koe ki te manatoko i ngā rēhitatanga me ngā raihana.
– Whakamahia ngā taputapu ipurangi: Whakamahia ngā taputapu pēnei i a BrokerCheck a FINRA hei manatoko i ngā kaihokohoko me ngā kaitohutohu pūtea.
– Tirohia ngā Mōhiohio: Manatokohia ngā mōhiohio katoa i whakaratohia mai i ngā puna maha.
8. Kia tūpato ki ngā Kaupapa Ponzi me ngā Kaupapa Piramiti
Ko ngā mahi tinihanga haumi e rua e tino kitea ana ko ngā kaupapa Ponzi me ngā kaupapa pyramid:
– Ngā Kaupapa Ponzi: Ka oati ēnei tinihanga i ngā hokinga nui me te iti o te mōrearea engari ka utua ngā kaipupuri moni o mua mā te whakamahi i ngā takoha a ngā kaipupuri moni hou, ā, ka hinga i te mutunga.
– Ngā Kaupapa Piramiti: Me kimi e koe ētahi atu hei haumi, me utu ngā komihana i runga i te tokomaha o ngā tāngata i kimihia, kaua i runga i te hokonga o ngā hua, ratonga rānei tika.
9. Aroturukihia ō Pūkete i ia wā
Mā te aroturuki i ō pūkete haumitanga i ia wā ka āwhina i a koe ki te kite wawe i ngā whakawhitiwhitinga kāore i whakamanahia, i ngā hapa rānei.
– Arotakehia ngā Tauākī: Pānuihia ō tauākī pūtea me te āta.
– Whakatūpato ki tō Kaiwhakarato Ratonga: Whakapā atu ki tō peeke, ki tō kaitohutohu rānei mēnā ka kite koe i tētahi mahi whakapae.
10. Whakaakohia koe i nga wa katoa
Kei te whanake tonu te āhua o te haumi ipurangi, nō reira he mea nui te ako tonu kia noho mataara ai ki ngā kaipahua.
– Haere ki ngā Huihuinga Tukutuku: Whai wāhi atu ki ngā hui tukutuku me ngā awheawhe e arotahi ana ki te mātauranga pūtea me ngā mahi tinihanga haumi.
– Ohauru ki ngā Pānui: Ohauru ki ngā pānui pūtea e kapi ana i ngā kaupapa mō te aukati i te tinihanga.
Opaniraa
Ko te mataara me te mahi āta tirotiro ngā hoa pai rawa atu hei karo i ngā tinihanga haumi ipurangi. Mā te rangahau hōhonu, te pātai i ngā tuku kāore i te pono, te tiaki i ō mōhiohio whaiaro, me te ako tonu i a koe anō, ka taea e koe te whakaiti i te tūponotanga o te taka ki raro i ēnei mahi tinihanga. Kia maumahara, he kaipupuri moni mātau te kaipupuri moni tūpato. Tiakina ō rawa mā te noho mōhio me te ruarua ki ngā whai wāhitanga kāore e eke ki te whakamātautau hongi.
