Te whiriwhiri i waenga i te haumi kaha me te haumi kore mahi
I te ao pūtea o ēnei rā, kua piki haere te kanorau o ngā kōwhiringa haumi. Heoi, tata ki ngā rautaki haumi katoa ka taea te whakarōpū ki ngā huarahi whānui e rua: te haumi hohe me te haumi kore mahi. Ahakoa e whai ana ngā mea e rua ki te whakatipu taonga, he rerekē ngā tikanga whakatau, ngā utu, te taumata o te whai wāhi a te kaipupuri moni, me ngā hokinga mai me ngā mōrearea pea. He mea nui te mārama ki ngā rerekētanga i waenganui i ngā mea e rua hei whiriwhiri i te rautaki e pai ana mō ō whāinga, te wā, me te tuakiri o te kaipupuri moni.
He aha te haumi hohe?
Ko te haumi hohe he huarahi e whiriwhiri kaha ai ngā kaipupuri moni—ā-takitahi, mā roto rānei i ngā kaiwhakahaere haumi—i ngā taputapu haumi me te whāinga kia eke ki te taumata teitei ake i te mākete. Ko te tikanga, ka whakahaerehia e ngā kaipupuri moni hohe he tātaritanga hōhonu o ngā kamupene, ngā rāngai, ngā āhuatanga ōhanga whānui, ngā aromatawai, ngā au, me ētahi atu tohu hei whakatau i te wā e hoko ai, e hoko atu ai rānei i ngā rawa.
Ko ngā tauira o ngā haumitanga hohe ko:
– Te whiriwhiri i ētahi hea i runga i tātaritanga taketake, tātaritanga hangarau rānei.
– Te mahi hokohoko wā poto hei whakamahi i ngā nekehanga utu.
- Ngā pūtea tahi hohe e whakahaerehia ana e ngā kaiwhakahaere haumi ki te ngana ki te mahi pai ake i te tohu paearu.
Ko te painga matua o te haumi kaha ko te whai wāhitanga ki te whakaputa hua nui ake i te mākete, inā koa mēnā ka taea e ngā kaipupuri moni te tautuhi i ngā hea, i ngā rawa rānei kāore anō kia whakaatahia e ngā utu mākete tō rātou uara tuturu. Heoi, he wero kei roto i tēnei whai wāhitanga: ehara i te mea ngāwari te wikitoria tonu i te mākete, inā koa i muri i te whakaaro ki ngā utu.
He aha te haumitanga kore mahi?
Ko te haumitanga kore mahi he rautaki e ngana ai ngā kaipupuri moni ki te whai i te mahi a tētahi mākete, i tētahi taupū rānei, kaua ki te hinga i a ia. Engari i te whiriwhiri i ngā hea takitahi, ka hoko ngā kaipupuri moni kore mahi i tētahi putea e tohu ana i tētahi taupū , pērā i te taupū kikorangi, i tētahi taupū mākete whānui rānei.
Ko ngā tauira o ngā haumitanga kore mahi ko:
– Hokona ngā tahua tahi taupū.
– Hokona he ETF (Exchange Traded Fund) e whai ana i tētahi taupū.
– Te hanga i tētahi putea "hoko me te pupuri" mō te wā roa me te whānuitanga o te kanorau me te iti o ngā whakawhitiwhitinga.
Ko ngā painga o te haumitanga kore mahi ko tōna māmā noa iho, he iti ake ngā utu, he nui ake te kanorau, me te aroturuki tonu i te tipu o te mākete mō te wā roa . E whakaae ana ngā kaipupuri moni kore mahi he maha ngā wā he whai hua ngā mākete, ā, he mea pono ake te whakatutuki i ngā "hokinga mākete" i te ngana tonu ki te hinga i a rātou.
Ngā rerekētanga matua: te kaupapa, te tukanga, me ngā utu
Ko tētahi o ngā rerekētanga tino kitea i waenga i te haumi hohe me te haumi kore mahi ko te whāinga. Ko te whāinga o te haumi hohe ko te hinga i te mākete, ko te whāinga ia o te haumi kore mahi ko te whai i te mākete.
Mai i te tirohanga tukanga, ka taea e ngā kaipupuri moni hohe te:
– Ngā whakawhitiwhitinga auau ake (hoko/hoko atu).
– Whakaritea he wā mō te rangahau.
– Te whakawhirinaki ki ngā rautaki mākete, ki ngā tauira, ki ngā pūmanawa rānei.
Ahakoa ko ngā kaipupuri moni mangere ka:
– Tīpakohia ngā hua taupū.
– Te pupuri i ngā haumitanga mō te wā roa.
– He nui ake te aro ki te whakaora i te tikanga me te tohatoha rawa.
Mō ngā utu, he nui ake te utu mō ngā haumitanga hohe. Kei roto i ēnei utu:
– He nui ake ngā utu whakahaere mō ngā tahua tahi hohe.
– Ngā utu tauwhitinga a te kaihokohoko.
– Te taake pea mō ngā hua whakapaipai wā poto (i runga i ngā ture me ngā taputapu).
Ko te haumitanga kore mahi ka whakaiti i ngā utu nā te iti o te huringa putea me te whakahaere māmā ake. I roto i te wā roa, ahakoa he iti noa ngā rerekētanga o ngā utu ka pā nui ki ngā hua katoa nā te pānga whakakotahi.
Te mōrearea me te pōrearea: ko wai te mea "mōrearea" ake?
He mōrearea kei roto i ngā haumitanga hohe, me ngā haumitanga kore mōrearea, engari he rerekē pea ngā pūtake o te mōrearea.
I roto i ngā haumitanga hohe, ko ngā mōrearea ko:
– Te mōrearea whakatau: te whiriwhiri i ngā hea kino, te wā hē rānei.
– Kei muri te mahi i te mākete (kāore i te tino pai te mahi), inā koa i muri i ngā utu.
– Ngā whakaaro pōhēhē hinengaro, pērā i te whakawhirinaki nui rawa, te hoko ohorere, te wehi kei ngaro tetahi mea.
I roto i te haumitanga kore mahi, he nui ake te hononga o ngā mōrearea ki:
– Te mōrearea whānui o te mākete: ki te heke te taupū, ka heke hoki te putea.
– He iti noa te ngāwari: kāore he mahi ārai hei karo i ētahi hea o te taupū.
– Te kukū o ētahi taupū: ka taumaha pea te pānga o ētahi taupū ki ētahi rāngai, ki ētahi kamupene rānei.
I roto i te mahi, he maha ngā wā ka kiia te haumitanga kore mahi he "haumaru ake" nā te kanorau, engari ehara i te mea ka āraihia e te hekenga uara. Ahakoa ka taea e te haumitanga kaha te whakaputa hua nui, he ngawari ake hoki ki ngā hapa rautaki me ngā hapa kare ā-roto.
Te Mahi: ka taea e te kaha te hinga i te kore mahi?
Ko te pātai tino rongonui ko: ko tēhea rautaki he nui ake te hua? Kāore te whakautu i te mea ngāwari pēnei i te "ka toa tonu te hunga kaha" me te "ka pai ake te hunga kore mahi." I roto i te ariā, ka taea e ngā kaiwhakahaere kaha te hinga i te taupū—ā, ka pena ētahi. Heoi, i runga i ngā tatauranga, he maha ngā rangahau e whakaatu ana i roto i te wā roa, ka uaua te nuinga o ngā kaiwhakahaere kaha ki te eke ki runga ake i te taupū i muri i te whakaaro ki ngā utu.
He maha ngā take:
– Kei te piki haere te whakataetae o te mākete: ka tere te horapa o ngā mōhiohio.
– Ka whakaitihia ngā hua e ngā utu hohe.
– He uaua te pumau: ka taea te wikitoria i te mākete kotahi noa, engari he tino uaua ake te whakatutuki i roto i ngā tau 10–20.
Heoi anō, he mea nui tonu te haumi kaha, hei tauira i roto i ngā mākete kāore i te tino whai hua, i roto i ētahi hea iti-pūtea, i ngā rautaki motuhake rānei pēnei i te haumi uara, te whakatautau, me ngā huarahi kaupapa kāore e taea te tāruatia e ngā tāurangi.
Ngā whakaaro mō te whiriwhiri: mā wai e tika?
Ko te whiriwhiri i waenga i te haumi hohe me te haumi kore mahi me whai whakaaro ki ngā āhuatanga e whai ake nei:
1. Te wā me te hiahia
Mena he pai ki a koe te tātari hea, te whai i ngā purongo ōhanga, ā, he wā tōu ki te aroturuki i ngā mākete, he kōwhiringa pea te haumi hohe. Heoi, ki te mea he pukumahi koe, ā, e hiahia ana koe ki tētahi rautaki māmā, he pai ake te haumi kore mahi.
2. Ngā whāinga haumitanga
Mō ngā whāinga mō te wā roa Mō ngā kaupapa pēnei i ngā moni reti, i te mātauranga rānei o ngā tamariki, he maha ngā wā ka whai hua te rautaki noho puku tonu. Mō ngā whāinga poto, ngā whāinga whakapae rānei, ka whiriwhiri ētahi kaipupuri moni ki te haumi kaha—ahakoa he nui ake ngā mōrearea.
3. Te manawanui ki ngā mōrearea
Ko ngā kaipupuri moni e kore e pai ki ngā piki me ngā heke, ki te mōrearea rānei o te mahi iti nā ngā whakataunga kino, he pai ake te whakamahi i tētahi huarahi noho puku. Ko ngā kaipupuri moni e pai ana ki te whakaae ki te koretake nui ake mō te tūponotanga o ngā hokinga mai teitei ake, ka tahuri pea ki tētahi huarahi hohe.
4. Mātauranga me te wheako
Ko te haumi kaha e hiahia ana ki te pūkenga, te whakahaere, me te mārama ki te whakahaere mōrearea. Ki te kore, ka noho hei mahi whakapae noa iho.
5. Te utu me te whai huatanga
Ina ko ngā utu te mea nui, he maha ngā wā ka tino pai te haumitanga kore mahi. He maha ngā kaipupuri moni kāore e mōhio ka taea e te utu ā-tau 1–2% te whakaiti i ngā hokinga mai i roto i ngā tau 20–30.
Kōwhiringa tuatoru: he huinga o te kaha me te kore mahi
Kāore koe e hiahia ki te whiriwhiri i tētahi, i tētahi rānei. He maha ngā kaipupuri moni e whakamahi ana i ngā rautaki maha, hei tauira:
– Whakangaohia te nuinga o ngā moni ki roto i tētahi putea matua (pūtea kore mahi) pērā i tētahi taupū mākete whānui.
– Whakatakotoria he wāhanga iti mō ngā rautaki hohe (ā-rangi), hei tauira, te whiriwhiri i ētahi hea matua, i ētahi rāngai rānei.
Mā tēnei huarahi "matua-āmiorangi" ka taea e koe te whiwhi i te pumau me ngā utu iti o te haumitanga kore mahi, me te whai wāhi tonu ki te whai i ngā whai wāhitanga mā te haumitanga hohe. Ko te mea nui ko te whai i te tikanga o te whakatau i ngā taumata me ngā herenga mōrearea, kia kore ai te haumitanga hohe e kaha ki te whakahaere i tō putea.
Whakamutunga
He painga, he ngoikoretanga hoki ō te haumi hohe, me te haumi kore mahi. Mā te haumi hohe ka taea te wikitoria i te mākete, engari me nui ake te wā me te pūkenga, he nui ake ngā utu, ā, he mōrearea hoki te iti o te mahi. Mā te haumi kore mahi ka māmā ake, ka rerekē, ka iti ake ngā utu, engari ka whai mai ngā hokinga mai i ngā piki me ngā heke o te mākete me te kore he kaha motuhake ki te whakaiti i ngā mōrearea ki raro.
Ko te kōwhiringa pai rawa atu ko te mea e tino ōrite ana ki tō kōtaha: ngā whāinga pūtea, te manawanui ki ngā mōrearea, te mātauranga, me te momo noho. Ki te ruarua koe, he mea whakaaro nui te tīmata me te huarahi whānui, kātahi ka tūhuratia haeretia ngā rautaki hohe i roto i ngā wāhanga iti ake i a koe e whiwhi ana i te wheako. Mēnā he rautaki tika me te auau, ka taea e te haumi te noho hei taputapu whai hua mō te hanga i tētahi heke mai pūtea haumaru ake.
