Momwe Mungayambire Kuyika Ndalama Mu Msika Wazinthu
Msika wa katundu ndi mtundu wa msika wa ndalama womwe umagulitsa zinthu zopangira kapena zinthu zoyambira. Zinthu zomwe zimagulitsidwa kawirikawiri zimaphatikizapo golide, siliva, mafuta, khofi, ndi zinthu zina zaulimi. Kuyika ndalama pamsika wa katundu kungapereke kusiyanasiyana kwa ndalama zomwe zilipo komanso kuthekera kopindulitsa. Komabe, monga momwe ndalama zonse zimayikidwira, kuyika ndalama pamsika wa katundu kumakhala ndi zoopsa zomwe ziyenera kumvedwa ndikuyendetsedwa. Nkhaniyi ipereka malangizo amomwe mungayambire kuyika ndalama pamsika wa katundu.
1. Mvetsetsani Mitundu ya Katundu Wopezeka
Musanayambe kuyika ndalama pamsika wazinthu, ndikofunikira kumvetsetsa mitundu yosiyanasiyana yazinthu zomwe mungayikemo ndalama. Kawirikawiri, zinthu zitha kugawidwa m'magulu anayi akuluakulu:
- Zitsulo zamtengo wapatali: monga golide, siliva, platinamu ndi palladium.
– Mphamvu: monga mafuta osakonzedwa, gasi wachilengedwe, ndi malasha.
– Zinthu zaulimi: monga tirigu, chimanga, soya, ndi khofi.
– Zinthu za m’nkhalango: monga matabwa ndi rabala.
Gulu lililonse lili ndi makhalidwe ake ndi zinthu zomwe zimakhudza mitengo. Mwachitsanzo, mitengo ya mafuta imatha kukhudzidwa kwambiri ndi mfundo za OPEC ndi mikhalidwe ya ndale, pomwe mitengo ya zinthu zaulimi nthawi zambiri imakhudzidwa ndi nyengo ndi nyengo yokolola.
2. Dziphunzitseni nokha za Misika ya Zamalonda
Kuphunzira zoyambira za msika wazinthu ndi gawo lofunika kwambiri musanayambe kuyika ndalama. Pali zinthu zambiri zomwe zingakuthandizeni kumvetsetsa momwe msika wazinthu umagwirira ntchito, kuphatikiza mabuku, maphunziro apaintaneti, ndi nkhani. Mabuku ena omwe amalimbikitsidwa kwa oyamba kumene pamsika wazinthu ndi monga "Hot Commodities" lolembedwa ndi Jim Rogers ndi "A Beginner's Guide to Commodities" lolembedwa ndi Matthew Krantz.
Kuphatikiza apo, mawebusayiti ambiri ndi mautumiki a nkhani amapereka kusanthula kwatsopano ndi nkhani zatsopano pamsika wazinthu. Kutsatira izi kudzakuthandizani kupanga zisankho zabwino zogulira ndalama.
3. Dziwani Zolinga Zanu Zogulira Ndalama
Wogulitsa aliyense ayenera kukhala ndi cholinga chomveka bwino asanayike ndalama. Kodi cholinga chanu ndi kusinthasintha ndalama zanu, kuteteza ndalama zanu, kapena kufunafuna phindu la kanthawi kochepa? Zolinga zomveka bwino zidzakuthandizani kusankha njira yoyenera yoyikira ndalama ndikusamalira zoopsa moyenera.
4. Sankhani Mtundu wa Chida Chogulira Ndalama
Pali njira zingapo zogulira zinthu pamsika. Zina mwa njira zodziwika bwino ndi izi:
– Mapangano a Zamtsogolo: Iyi ndi njira yolunjika yogulira zinthu. Ndi mgwirizano wa zamtsogolo, mumavomereza kugula kapena kugulitsa kuchuluka kwa chinthu pamtengo womwe mwagwirizana pa tsiku linalake.
– Zosankha: Zosankha zimapatsa ufulu, koma osati udindo, wogula kapena kugulitsa chinthu mtsogolo pamtengo womwe mwagwirizana.
- Ma ETF a Commodity Mutual Funds: Iyi ndi njira yosavuta komanso yosiyana kwambiri yogulira zinthu. Ma ETF a Mutual Funds amakhala ndi mitundu yosiyanasiyana ya zinthu kapena masheya a makampani omwe akuchita nawo kupanga zinthu.
– Masheya a Kampani Yogulitsa Zinthu: Muthanso kuyika ndalama pogula magawo a makampani omwe akuchita nawo kupanga, kukonza, kapena kugawa zinthu zina.
Mtundu uliwonse wa chida chogulira ndalama uli ndi ubwino ndi kuipa kwake. Mapangano amtsogolo ndi zosankha nthawi zambiri amafuna chidziwitso chochulukirapo komanso chidziwitso, pomwe ndalama zogwirizanitsa ndalama ndi ma ETF nthawi zambiri zimakhala zosavuta kupeza kwa osunga ndalama atsopano.
5. Sankhani Wogulitsa Woyenera
Kusankha broker woyenera ndi gawo lofunika kwambiri pakuyika ndalama pazinthu. Yang'anani broker yemwe amapereka ndalama zogulitsira, nsanja yogulitsa yosavuta kugwiritsa ntchito, komanso chithandizo chabwino kwambiri kwa makasitomala. Ma broker ena amaperekanso zida zophunzitsira ndi zinthu zomwe zingathandize makamaka kwa oyamba kumene kugulitsa.
6. Chitani Kafukufuku ndi Kusanthula
Musanayike ndalama, chitani kafukufuku wozama ndi kusanthula katundu amene mukufuna. Dziwani zinthu zomwe zimakhudza mtengo wake, monga kupezeka ndi kufunikira, nyengo, mfundo za boma, ndi ndale za dziko. Amalonda ambiri amagwiritsa ntchito kusanthula koyambira komanso kwaukadaulo ngati gawo la kafukufuku wawo.
- Kusanthula Koyambira: Kufufuza zinthu zachuma, zachuma, ndi zina zomwe zimakhudza kupezeka ndi kufunikira kwa zinthu. Izi zikuphatikizapo malipoti opanga, kugwiritsa ntchito, ndi zinthu zomwe zili m'sitolo.
- Kusanthula Zaukadaulo: Kufufuza momwe mitengo yasinthira kale komanso zizindikiro za ziwerengero zimachitikira kuti zidziwike momwe mitengo yasinthira mtsogolo.
7. Investment Diversification
Kusinthasintha ndi chimodzi mwa mfundo zofunika kwambiri pakuyika ndalama. Musaike ndalama zanu zonse mu chinthu chimodzi kapena chida choyikira ndalama. M'malo mwake, falitsani ndalama zanu pazinthu zosiyanasiyana kuti muchepetse chiopsezo. Mwachitsanzo, ngati muyika ndalama mu mafuta, ganiziraninso kukhala ndi maudindo pazinthu zina monga golide kapena zinthu zaulimi.
8. Sinthani Chiwopsezo Chanu
Kuyika ndalama pamsika wazinthu kungakhale kosinthasintha komanso koopsa. Chifukwa chake, ndikofunikira kukhala ndi dongosolo labwino loyang'anira zoopsa. Njira zina zomwe mungagwiritse ntchito ndi monga kukhazikitsa ma stop-loss orders, kusayika ndalama zambiri kuposa zomwe mungathe kutaya, komanso kuwunikanso ndikusintha mbiri yanu nthawi zonse.
9. Gwiritsani Ntchito Akaunti Yowonetsera
Ma broker ambiri amapereka maakaunti oyesera omwe amakulolani kuchita malonda ndi ndalama zenizeni musanagwiritse ntchito ndalama zenizeni. Maakaunti oyesera ndi njira yabwino yomvetsetsera momwe msika umagwirira ntchito ndikupanga njira popanda chiopsezo cha zachuma.
10. Yambani ndi Ndalama Zing'onozing'ono
Pomaliza, mukakonzeka kuyamba ndi ndalama zenizeni, yambani ndi ndalama zochepa. Izi zikupatsani mwayi wophunzira ndikuzolowera msika popanda kutenga zoopsa zazikulu. Pamene nthawi ikupita ndipo mukukhala ndi chidaliro, mutha kuwonjezera pang'onopang'ono ndalama zomwe mwayika.
Mapeto
Kuyika ndalama pamsika wazinthu kungakhale njira yopindulitsa yosinthira ndalama zanu ndikukwaniritsa zolinga zanu zachuma. Komabe, ndikofunikira kumvetsetsa zoopsa zomwe zingachitike ndikuchita kafukufuku wokwanira ndi kusanthula musanayike ndalama. Mwa kutsatira njira zomwe zili pamwambapa ndikupitiliza kuphunzira, mutha kukhala woyika ndalama wopambana pazinthu. Kumbukirani nthawi zonse kusamala ndikupewa kutenga zoopsa zambiri kuposa zomwe mungakwanitse.
