Me pēhea te haumi i roto i te mākete moni
Ko te haumi ki te mākete moni tētahi o ngā huarahi pai rawa atu hei whakahaere me te whakanui ake i te uara o ō rawa, inā koa mō te hunga e hiahia ana ki te whakaiti i te mōrearea me te rapu pumau. Ahakoa he kaipupuri moni mātau koe, he tīmatanga rānei, mā tēnei aratohu koe e āwhina ki te mārama ki te haumi ki te mākete moni.
He aha te Mākete Moni?
Ko te mākete moni he wāhanga iti o te mākete pūtea e hokohokohia ai ngā taputapu pūtea wā poto. Ko te tikanga he iti iho i te kotahi tau te roa o te wā e pau ana i ēnei taputapu, ā, kei roto ko ngā hua pēnei i ngā tiwhikete tāpui (CD), ngā pepa arumoni, me ngā herenga kāwanatanga. Ko ngā painga o te haumi ki te mākete moni ko te nui o te moni whiwhi me te iti o te mōrearea ki te whakataurite ki te mākete whakapaipai.
He aha te take e haumi ai ki te mākete moni?
1. Teitei o te Moni: Ko tētahi o ngā painga matua o te haumi ki te mākete moni ko te moni. Ka taea e koe te huri i tō haumitanga ki te moni me te kore e tino ngaro tōna uara.
2. Iti te Mōrearea: Ko ngā taputapu mākete moni e kiia ana he iti ake te mōrearea i ngā haumitanga hea me ngā here nā te mea he mea whakaputa ēnei e ngā umanga pono.
3. Whiwhinga Pūmau: He maha ngā taputapu mākete moni e whakarato ana i te reiti hokinga pumau, e āhei ai koe ki te tatau i te whiwhinga moni e tumanakohia ana me te tika ake.
Ngā taputapu i te Mākete Moni
1. Tiwhikete Putunga Moni (CD): He putunga moni wā tēnei e tukuna ana e te peeke, he iti iho i te kotahi tau te roa. He nui ake ngā reiti huamoni o ngā CD i ngā pūkete penapena noa, engari he iti ake te moni e taea te penapena.
2. Pepa Tauhokohoko (CP): He taputapu nama kore-pūtea tēnei e tukuna ana e ngā kamupene hei whakatutuki i ngā hiahia pūtea mō te wā poto. Ko te tikanga he nui ake ngā reiti huamoni a te CP i ngā CD.
3. Ngā Pūtea Kāwanatanga (SBN): Ka tukuna ēnei pūtea e te kāwanatanga, ā, he iti noa iho te mōrearea nā te mea e tautokona ana e te kāwanatanga.
4. Tiwhikete Peeke Initonīhia (SBI): He tuhinga tēnei i tukuna e te Peeke Initonīhia hei huarahi whakahaere i te nui o te moni e toha ana.
Ngā Hipanga hei Hāumi i te Mākete Moni
1. Whakatauhia ō whāinga haumi: I mua i tō tīmatanga ki te haumi, whakatauhia he aha tāu e hiahia ana kia tutuki. He putea ohorere, he moni whiwhi tāpiri, he pumau pūtea rānei?
2. Akohia ngā Taputapu e Wātea ana: Rangahauhia ngā taputapu e wātea ana i te mākete moni, ā, whiriwhiria te mea e tino rite ana ki ō whāinga me tō āhua mōrearea.
3. Kōwhiria he Pūhara, he Whare Pūtea rānei: Ka taea e koe te haumi mā te peeke, te kamupene hea, te pūhara haumi ipurangi pono rānei.
4. Te Kanorau o te Putea: Kaua e waiho ō moni katoa ki te taonga kotahi. Mā te kanorau ka āwhina i te whakaiti i te mōrearea.
5. Aroturuki i ngā Hāumitanga: Aroturukihia te mahi a tō haumitanga i ia wā, i ia wā, kia mōhio ai kei te rite te haumitanga ki ō whāinga.
Ngā Tohutohu mō te Hāumi ki te Mākete Moni
1. Kia aro ki ngā utu me ngā utu: He utu, he utu rānei kei ia taputapu haumi. Kia aro ki ēnei, nā te mea ka pā ki tō reiti hokinga mai.
2. Tātari Reiti Huamoni: He mea nui ngā reiti huamoni hei pānga ki ngā hua o ngā taputapu mākete moni. Nō reira, kia aro ki ngā au o te reiti huamoni me ngā matapae ōhanga.
3. Hono atu ki ngā Āhuatanga o te Ōhanga Matua: He maha ngā wā ka pāngia ngā taputapu mākete moni e ngā āhuatanga o te Ōhanga Matua pērā i te pikinga utu me te kaupapa here moni. Kia mārama ki te pānga o ēnei āhuatanga ki ō haumitanga.
Ngā Painga me ngā Huakore o te Hāumi ki te Mākete Moni
Te taikaha
– Haumarutanga: He iti te mōrearea o ngā taputapu mākete moni ki te kore e taea te utu, nā te mea kei te puritia e ngā umanga kaha pēnei i ngā peeke me ngā kāwanatanga.
– Te Moni Whakaterenga: Ka taea e koe te hoko i ngā taputapu mākete moni i ngā wā katoa, me te kore e ngaro te uara.
– Te Wātea: He maha ngā taputapu mākete moni ka taea te uru atu me te iti o te pūtea, ā, he mea pai mō ngā kaipupuri moni tauhou.
Te kore
– He iti ngā hokinga mai: Nā te iti o te mōrearea, he iti ake te auau hokinga mai i te haumi ki ngā hea, ki ngā here rānei.
– Te pikinga utu: Kāore pea ngā hua mai i ngā taputapu mākete moni e rite tonu ki te pikinga utu, ko te tikanga ka heke pea te mana hoko o tō moni.
– Ngā Herenga Pūtea: He whakaritenga me ngā herenga motuhake ā ētahi taputapu mākete moni, hei tauira, mā te tiwhikete penapena ka hiahiatia pea koe ki te pupuri i tō moni mō tētahi wā kua whakaritea.
Ngā Tauira Take Tuturu
Me kī kei a koe he Rp100.000.000 e hiahia ana koe ki te haumi ki te mākete moni mō te wā e 6 marama. I muri i te tātari i ō moni, ka whakatau koe ki te tohatoha i te 50% ki tētahi CD i tukuna e tētahi peeke kāwanatanga me te reiti huamoni 4%, 30% ki tētahi SBI me te reiti huamoni 3.5%, me te 20% ki tētahi CP me te reiti huamoni 5%.
I roto i ngā marama e ono, ka whiwhi tō CD i te tata ki te Rp2.000.000, ka whiwhi tō SBI i te Rp1.500.000, ā, ka whiwhi tō CP i te Rp1.000.000. Nō reira, ko tō tapeke hokinga mai he Rp4.500.000 i roto i ngā marama e ono.
Whakamutunga
He kōwhiringa whakaaro nui te haumi ki te mākete moni mō te hunga e rapu ana i te pumau me te whakaiti i te mōrearea i roto i tā rātou putea. Ahakoa he iti ake ngā hokinga mai i ngā taputapu mōrearea pēnei i ngā hea, ko te moni me te haumarutanga e tukuna ana e ia ka waiho te mākete moni hei wāhanga nui o tētahi rautaki haumi. Mā te whai i ngā kaupae i runga ake nei me te mārama ki ngā taputapu mākete moni e wātea ana, ka taea e koe te whakatau haumi whai whakaaro ake e hangai ana ki ō whāinga pūtea.
Ko te haumitanga he whakatau whai whakaaro i runga i ngā whāinga a ia tangata me te manawanui ki ngā mōrearea. Nō reira, me rangahau hōhonu tonu, me te kōrero ki tētahi kaitohutohu pūtea mēnā e tika ana.
