Qala umncinci, Gcina i-Smart: Indlela i-Bitcoin iDola-Cost Average inokukhusela ikamva labantwana bakho
Umntwana waseGeorge oqala isicwangciso seBitcoin kulo nyaka ungumnikazi we-asethi enye akukho mntu umdala unokuthenga emva kwexesha, kwaye loo asethi lixesha. Ishumi elinesibhozo leminyaka lithuba abatyali-zimali abasele bekhulile abasoze baphinde babone nakwesiphi na isikhundla abakuso, kwaye yeyona ndawo ifanelekileyo yeBitcoin. Esi sisicwangciso ndimise kubazali abafuna ukugcina umntwana kwi-asethi enye eyakhelwe amashumi eminyaka kunokuba iikota, yakhiwe ngoko i-Bitcoin yeyomntwana ngenene, ithengwe kwi-akhawunti yomntwana kwaye ikhuselwe ngaphakathi kwi-vault yosapho abazali sele belawula.
Ukuthathwa okungundoqo
Umntwana unokuba ngumnikazi weBitcoin egameni lakhe. Ngeakhawunti yebhanki egameni lomntwana ndibhalisa i-akhawunti yokuthenga ukuze umntwana azithengele i-Bitcoin inyanga nenyanga, emva koko ndiyifudusele kwigumbi lokuhlala losapho elakhiwe kwihardware yabazali. Ukuthenga ngokuthe chu ukusuka kwi-R1,000 ngenyanga, egcinwa ebuntwaneni ngokupheleleyo kwaye itshayelwe kwindawo ebandayo njengoko ikhula, ayisebenzi. Ukuvumelana kunye nexesha, kungekhona ubungakanani bomnikelo, kugqiba ukuba uphela njani.
Ndiziqhube ezi zicwangciso ixesha elide ngokwaneleyo ukuba ndibukele abantwana bokuqala ubudala kubo.
Umzali othe cwaka waseka i-nyanga nenyanga athenge unyaka owazalelwa ngayo intombi, kwaye akazange nakanye ayimise ngengozi, ngoku ujonge isikhundla abangenakukwazi ukuhlanganisana ngenye indlela. abaxelanga nto. Bavumela nje i-horizon yeminyaka elishumi elinesibhozo kunye nobonelelo olusisigxina ukuba ludibanise ngelixa wonke umntu ephikisana ngexabiso. Lilo lonke elo qhinga kwaye liphantse libe neentloni xa ulibukele lisebenza.
Kutheni umntwana engoyena msindisi weBitcoin
Ixesha lolona tshintsho lubaluleke kakhulu kule asethi kwaye yeyona nto iguquguqukayo isandula kuzalwa ngobuninzi. Ilinganiswe kwixesha elipheleleyo leminyaka emine yokubamba, i-Bitcoin ngokwembali ayizange iphele iphantsi kunokuba yaqala. Umntwana oqala ekuzalweni akajongi kwifestile enye yeminyaka emine. Bajonge ezine okanye ezintlanu kuzo ezipakishweyo ukusuka ekuqaleni ukuya ekugqibeleni ngaphambi kokuba bafumane umvuzo wokuqala, ubude bendlela yokubaleka akukho mtyali-mali umdala unokuzinikela ngokunyanisekileyo.
Lo mgaqo weenqwelo-moya umde ulungisa umbuzo wokuguquguquka omisa abazali abaninzi. I-Bitcoin ayinyuki kumgca othe tye kwaye andinakuze ndenze ngathi ngenye indlela, kodwa iijingi eziziva zinganyamezeleki kwiinyanga ezilishumi elinesibhozo zikhangeleka njengengxolo kwiminyaka elishumi elinesibhozo. Kwanaloo ngxubakaxaka iyancipha. I-Fidelity -edijithali Assets iqaphele ukuba njengoko i-Bitcoin ikhule yaba yi-asethi ye-multi-trillion-iDola kunye nokuqina okunzulu kweziko ukuguquguquka kwayo kuye kwanciphisa, okwenza ukuphakama okutsha ngelixa ukuguquguquka kwayo konyaka kubeka ukuhla okutsha. Icebo lomntwana aliyifuni loo nto ukuze liphumelele. Ifika kwimarike ezolileyo, enkulu kunaleyo abazali babo baqale kuyo.
Ke kukho isizathu sokuba ndiqhubeke ndibuyela kuso. Ukubhala ngaphakathi The Strategic Reserve, Ndiyibeka ngokucacileyo: ukuqikelelwa kulinganiswa kwiitshathi zexabiso, isicwangciso sokugcina silinganiswa kwiminyaka emashumi. Isicwangciso sokugcina umntwana lolona hlobo lusulungekileyo lwesicwangciso esikhoyo. Akukho mntu ubukele loo tshati xa ephuma. Imali ayidingeki kunyaka ozayo okanye kunyaka olandelayo, nto leyo ichanekileyo imeko apho i-Bitcoin isoloko ivuza isigulane kwaye ijezisa i-twitchy. Ukuba ufuna impikiswano egcweleyo yokuba kutheni ukubamba ixesha elide elingaphazanyiswa libetha yonke intshukumo elumkileyo, ndiyibeke phakathi kutheni ukubamba ixesha elide lelona qhinga lithembekileyo leBitcoin.
Unikezelo olusisigxina yinjini ezolileyo
Irandi ekwiakhawunti yebhanki yomntwana iqinisekisiwe ukuba iya kuxutywa. Oko asikokuphelelwa lithemba. Yi-arithmetic. Emva kwengxubakaxaka ka-2008 kwaye kwakhona ngo-2020, iibhanki ezingoovimba zandisa unikezelo lwemali kwisikali ebesinokubonakala singenankathalo kwisizukulwana sangaphambili, kunye ne-United States iyodwa ekhulisa unikezelo lwemali ye-M2 ngaphezulu kwamashumi amane epesenti ngaphantsi kweminyaka emithathu. Yonke iyunithi yolo lwandiso ithe cwaka yanciphisa amandla okuthenga emali esele ihleli kwiiakhawunti. Iakhawunti yokonga ehlawula inzala yepesenti emva koko kuhlanjululwa ayikhi ubutyebi kumntwana. Iphulukana nayo ngokucotha ngokwaneleyo kangangokuba akukho mntu uyiqaphelayo de kudlule iminyaka elishumi elinesibhozo.
I-Bitcoin isebenza kwi-logic echaseneyo. Kuphela i-21 yezigidi zemali iya kuhlala ikhona, i-cap enzima enyanzeliswa yi-node epheleleyo kwinethiwekhi kwaye akunakwenzeka ukuyitshintsha ngaphandle kwemvume yenkqubo yonke. Ngaphezulu kwe-90 yepesenti yolo nikezelo sele ikhutshiwe kwaye intsalela ifika kwishedyuli akukho komiti, ingxaki okanye unyulo lunokukhawuleza. Rhoqo kwiminyaka emine izinga lokukhutshwa okutsha liyahla. Ngo-2032 ngaphantsi kwengqekembe enye iya kwenziwa ibhloko nganye, kwaye malunga ne-2140 ukukhutshwa kuyayeka ngokupheleleyo.
Beka ezo zibakala zimbini ecaleni ngobuntwana.
Kwelinye icala kuhleli imali eyenzelwe ukwandisa nanini na xa kufanelekile ngokwezopolitiko. Kwelinye icala kuhlala i-asethi ethenjisiweyo, ngekhowudi akukho mntu unokugqitha, angaze adibanise umnini. Leyo yipropathi kanye umzali ayithengela umntwana, hayi isithembiso sokwenza umgqweso kodwa isithembiso sokungacuthwa. Xa idityaniswe kwiminyaka elishumi elinesibhozo, umsantsa phakathi kwe-asethi engenako ukunyuswa kunye nelungiselelwe ukuba ibe ngumsantsa phakathi kwelifa lokwenyani kunye nelinye. Yingcinga enye emva kwesicwangciso esiqhelekileyo sabantu abadala, endihamba ngaso idola-ixabiso eliphakathi kwiBitcoin, yolule nje iwotshi ende.
Le akhawunti ingena egameni lomntwana
Apha kulapho iingcebiso eziqhelekileyo ziphosakele. Abantu bacinga ukuba umntwana akanakuba ngumnikazi weBitcoin, ngoko ke bagqiba kwelokuba isicwangciso kufuneka sihlale egameni lomzali emva kweleta yenjongo de umntwana abe neminyaka eyi-18. Umntwana uvumelekile ukuba abe nempahla yakhe.
Eyona nto ifunwa ngumntwana kuqala yiakhawunti yebhanki esegameni lakhe, anokuthi umzali waseMzantsi Afrika ayivulele umntwana osemncinci kwibhanki yakhe. Xa sele ikhona loo akhawunti ichaziweyo, ndibhalisela i-akhawunti yokuthenga umntwana ukuze iBitcoin ayithengayo ithengwe nguye kwaye ibe yeyakhe kwirandi yokuqala. Idebhithi oda yenyanga ixhaswa ngemali kwiakhawunti yomntwana. IBitcoin efikayo yiBitcoin yomntwana, hayi ukubamba komzali okuphawulwe kumyolelo kwaye unethemba lokunikezela ngenye imini.
Yeyabo ukusukela mhla yathengwa.
Olo mahluko lufundeka njengobuchwephesha de uyilandele ukuya esiphelweni sayo. Ngaphezulu kweminyaka elishumi elinesibhozo kunye nokufuduka kobutyebi ukusuka kwesinye isizukulwana ukuya kwesinye, akukho namzuzu apho i-asethi kufuneka inikwe igama kwakhona, idluliselwe okanye kuxoxwe ngayo kwilifa. Umbuzo wobunini wasonjululwa ekuqaleni, ngokuzolileyo, kwinqanaba le-akhawunti kabani iimali eziye zafika kuyo. Akukho nto malunga nesicwangciso ixhomekeke kumzali osindayo ukuba anikezele.
Ivault yosapho eyakhelwe kwihardware yakho
Ubunini sisiqingatha sesicwangciso. Ugcino lwesinye, kwaye isicwangciso sogcino esilinganiswa kumashumi eminyaka asinakuphila ngokutshintshiselana. Leyo yinto enye engenakuxoxisana ngayo kulo msebenzi uphela, kuba okukhona i-horizon iqhubeka ixesha elide lokuba iqonga libe ngumkhenkce, lingaphumeleli okanye linyamalale ngokulinganayo. I-Bitcoin ebanjelwe umntwana kufuneka ibe yiBitcoin usapho olulawula ngokunyanisekileyo, okuthetha ukuba izitshixo zihlala nosapho hayi nenkampani enethemba lokuba isekhona ngo-2044.
Xa kusetyenzwa oko kuthetha ivault yosapho, eyakhelwe kwihardware yabazali. Ukuba abazali sele bengabathengi beVault oku kuthe tye, kuba igumbi losapho lidityaniswe kwihardware esele beyibambe. I-Bitcoin yomntwana ke ihleli ngaphakathi kwisakhiwo se-multisignature apho kungekho sitshixo esinye esinokuyihambisa ngokwaso kwaye akukho sixhobo esinye esilahlekileyo esinokutshona yonke into. Ndabeka indlela ukuzimela okwenziwa ngayo ngaphandle kweempazamo zesiqhelo zabaqalayo Ukugcinwa kweBitcoin eMzantsi Afrika, kwaye ivault yandisa kwaloo ngqiqo inye kuzo zonke izitshixo ezigcinwe ngokwahlukeneyo.
Abazali bagcina ulawulo lo mntwana ngoxa umntwana esemncinane, nto leyo kanye njengoko ifanele ukuba njalo. Njengoko umntwana ekhula banokubamba esinye sezitshixo zabucala ngokwabo, isitshixo esigcinwe sahlukile kumagumbi angaphantsi kwabazali, ngoko umntwana uthwala uxanduva lokwenene lwemali yakhe ngaphandle kokuchukumisa ezinye izinto zentsapho. Sisifundo sokuqala ekuzigcineni kunye neziteyki zokwenyani kunye nenethi yokhuseleko lokwenyani ngaxeshanye. Indlela izitshixo ezahlulwe ngayo, kunye nobudala apho umntwana ethatha enye, yinto esiyijonga kunye kwifowuni yokuseta kunokuba silungise kwi-abstract, kuba yonke intsapho ihlala kwindawo eyahlukileyo.
Kutheni nditshayela kwi vault nge R10,000
Kukho isizathu sangabom sokuba i-Bitcoin ingahambi kwivault ngoko nangoko. Ukuthumela i-Bitcoin kubiza umrhumo womnatha, kwaye loo mali ihlawuliswa ngokwentengiselwano kungakhathaliseki ukuba ingakanani i-Bitcoin intengiselwano ithwala. Tshala amakhulu ambalwa eerandi eBitcoin kwindawo ebandayo yogcino nyanga zonke kwaye uhlawula umrhumo wokuthumela kalishumi elinesibini ngonyaka ngesixa esincinci ixesha ngalinye, nto leyo ikukuluma okunentsingiselo kwimali eyongeyo yomntwana.
Ngoko ke izinto ezithengwa ngenyanga ziyaqokelelana kuqala kwaye ndizitshayela kwivault yosapho xa ibhalansi ifikelela kwi-R10,000. Ukudibanisa ukudluliselwa kugcina imali eninzi yomntwana kwiBitcoin endaweni yentlawulo, kokubini kwindlela yokungena kwivault ngoku kunye nendlela yokuphuma kumashumi eminyaka kamva xa iingqekembe zihanjiswa okanye zihanjiswa. Lintwana encinci yobunjineli abantu abaninzi abakhe bacinge ngayo kwaye kubo bonke ubuntwana benyanga bayithenga ngokuthe cwaka igcina isixa sokwenyani. I-R10, 000 ikwalinqanaba apho ukubamba izitshixo zakho kuqala ukufumana ukuzigcina kwayo nawuphi na umnikazi weBitcoin, yiyo loo nto ikwangumlinganiselo ofanayo ndiwusebenzisa kuyo yonke enye into endiyenzayo.
Isicwangciso siyafundisa ngaphambi kokuba sihlawule
Kukho imbuyekezo yesibini kule nto engazange ibonise kwingxelo. Umntwana okhule esazi isicwangciso seBitcoin sisebenza egameni labo, kwaye ngubani ofundiswa kwiminyaka eyiyo ukuba yintoni kwaye kutheni intsapho yakhetha yona, ufunda izinto i-akhawunti yokulondoloza ayinakuze ifundise. Bafunda ukuba yintoni ukunqongophala kokwenyani, kuba kuya kuze kubekho iingqekembe ezizizigidi ezingama-21 kuphela. Bafunda ukuhleba ngendlela ebambekayo, kuba isicwangciso silinganisa ngokwaso ngeminyaka kwaye hayi kwiiveki zemali yepokotho.
Ukonga ngerandi kufundisa isifundo esichaseneyo ngengozi. Umntwana ubukela inombolo kwi-akhawunti ehleli ngxi ngelixa ixabiso layo yonke into ejikelezileyo linyuka, ithagethi ehlala ishukuma ethi icuthe ngokuzolileyo oko bakushiyileyo. Ukugcina kwiBitcoin kuguqula loo nto. Umntwana obukele i-asethi ye-fixed-supply ibambe umhlaba wayo ikhula ibe yinto ekhethwayo kwixesha emathanjeni abo, umonde wokulinda kunye nethuku lokucinga kumashumi eminyaka kunokuba iiveki. Leyo yimikhwa ethwala ubutyebi bentsapho ukusuka kwesinye isizukulwana ukusa kwesinye, yaye okwishumi elivisayo osiqondayo isizathu sokuba abazali bakhe basinde ngale ndlela uxhobele ngakumbi ukubunyamekela xa imbopheleleko ifikelela kubo.
Ukuqinisekisa ukuba ifikelela kwisizukulwana esilandelayo
Isicwangciso esinje sisicwangciso sokulandelelana ukuba ngaba okanye akukho mntu ubiza loo nto, kwaye i-Bitcoin inomgaqo omnye ongaxoleliyo. Nabani na olawula isitshixo sabucala ulawula iingqekembe, kwaye ukuba izitshixo zilahlekile ngaphandle kwesicwangciso senguqu i-Bitcoin iphelile. Akukho myalelo wenkundla, akukho bhanki kwaye akukho gqwetha linokubuyisa isitshixo ekungekho mntu unokusifumana. Ugcino lweBitcoin ngaphandle kokulandelelana alukho ugcino. Luxanduva.
Ke indlela yokubuyisela yakhiwe ukusuka kusuku lokuqala kunokuba ifakwe emva kwentlekele. Oko kuthetha imiyalelo ebhaliweyo exelela abantu abafanelekileyo apho i-backups zihlala khona kunye nendlela yokufikelela kuzo, ngaphandle kwamagama embewu ngokwawo avele avele kumyolelo, kuba umyolelo uba luxwebhu loluntu ngexesha lolawulo lwezindlu. Igumbi lokuhlala elinemisayino emininzi likwenza oku kukhuseleke ngakumbi, kuba ufikelelo lusasazwa kuzo zonke izitshixo ezahlukeneyo ezigcinwe zodwa, ngoko ke isixhobo esinye esilahlekileyo okanye ilishwa elinye alize limqhawule umntwana kwinto ebekhelwe yona. Ukuseta okwakhiwa ngokufanelekileyo, kunye nezitshixo eziphethwe ngabantu abohlukeneyo, yeyona ndlela icocekileyo endiyaziyo yokuqinisekisa zombini ukuba akukho mntu unokuhambisa i-Bitcoin yedwa kwaye usapho lunokuhlala luyifumana xa luyifuna. Ndingena nzulu ekuyibambeni kwizizukulwana ngezizukulwana ukwakha ubutyebi beBitcoin bezizwe ngezizwe eMzantsi Afrika.
Yonke into idibanisa kumacala amabini ngexesha elinye. Iingqekembe zemali zidibene ngokunqongophala ngelixa umntwana edibanisa ekuqondeni, kwaye isakhiwo siqinisekisa ukuba ezi zimbini ekugqibeleni zidibana kwipere yezandla ezifanayo. Umzali ovula i-akhawunti egameni lomntwana, ayixhase ngokuthe ngcembe kwaye abeke ukubuyiswa ngokufanelekileyo wenze into phantse akukho sigqibo sokulondoloza sivumela: unike isizukulwana esilandelayo i-asethi engenako ukuhlanjululwa, egameni laso, ngolwazi lokuyibamba kakuhle.
Ukuba ufuna ukuseta umntwana wakho enye, unako qala icebo lomntwana apha kwaye siya kuyimisa malunga nosapho lwakho ukusuka kwirandi yokuqala.
Imibuzo ebuzwa qho
Ngaba umntwana wam angaba ngumnikazi weBitcoin egameni lakhe eMzantsi Afrika?
Ewe. Umntwana uvumelekile ukuba abe nempahla yakhe. Nge-akhawunti yebhanki evulwe egameni lomntwana, ndibhalisa i-akhawunti yokuthenga ukuze umntwana azithengele i-Bitcoin nyanga nganye, kwaye yeyomntwana ukususela ekuthengeni kokuqala. Akukho mfuneko yokuyimisa egameni lomzali emva kweleta yenjongo. IBitcoin yeyomntwana, egcinwe kwigumbi eligcina usapho abazali bekhusela ade umntwana abe mdala ngokwaneleyo ukuba athathe isitshixo ngokwakhe.
Kufuneka ndenze igalelo elingakanani ngenyanga kumntwana wam?
Izicwangciso ziqala kwi-R1,000 ngenyanga, exhaswa ngemali ngedebit order kwiakhawunti yomntwana. Ngaphezulu kobuntwana obuzeleyo esisisiqalo esinzulu kunokuba ibe ngumqondiso, kuba i-horizon yenza umsebenzi onzima kunye nokungaguquguquki kubala ngaphezulu kobukhulu begalelo. Ukuqala ngokuthozama kunye nokunyusa imali njengoko umvuzo wakho ukhula ukubetha ulinde de ubenakho ukuthenga into encomekayo kwaye uqale iminyaka emihlanu emva kwexesha.
Kutheni ulinde kude kube malunga ne-R10,000 ngaphambi kokuba uhambise iBitcoin kwindawo yokugcina iimpahla?
Ukuthumela i-Bitcoin kubiza umrhumo womnatha obizwa ngokwentengiselwano nganye, hayi ngokwerandi nganye, ngoko ke ukuhambisa isixa esincinci kwindawo yokugcina ebandayo inyanga nenyanga kumosha imali kwimirhumo. Ndivumela ukuthenga kwenyanga kuqokelele kwaye nditshayele kwivault yosapho xa ibhalansi ifikelela kwi-R10,000. Ukudibanisa ukudluliselwa kugcina imali eninzi yomntwana kwi-Bitcoin, zombini ingena kwi-vault kwaye iphuma kwiminyaka kamva. I-R10,000 ikwalinqanaba apho ukuzigcina kuqala khona ukufumana ukugcinwa kwayo kuye nawuphi na umnini.
Kwenzeka ntoni kwiBitcoin ukuba ndiyafa ngelixa umntwana wam esemncinci?
Nabani na olawula isitshixo ulawula i-Bitcoin, ngoko isicwangciso ngaphandle kwemiyalelo yokubuyisela ebhaliweyo inokulahleka ngokupheleleyo. Amagama embewu akufuneki avele kumyolelo ngokwawo, othi ube nguwonke-wonke ngexesha lolawulo lwezindlu, kodwa imiyalelo yokufumana i-backups kufuneka ibhalwe ngokukhuselekileyo. Igumbi losapho elinesiginesha emininzi lisasaza ukufikelela kuzo zonke izitshixo ezahlukeneyo, ke akukho lahleko inye eyahlulayo umntwana kwinto yakhelwe yona, kwaye umntwana omdala unokuba sele ebambe esinye sezo zitshixo.
Qala isicwangciso Bitcoin umntwana wakho kakuhle.
I-SimplB inceda iintsapho zaseMzantsi Afrika zithenge, zikhusele kwaye zimise i-Bitcoin ngokuthobelayo, njengoMmeli woBugqwetha we-CAEP Asset Managers (FSP 33933).
Bhukha umnxeba wokufunyanwa