I-iDola-Ixabiso eliphakathi kwiBitcoin: Ityala eliSebenzayo

Abatyali-mali abenza ngcono ngeBitcoin phantse abazange babe ngabo babeke ixesha. Ngabo bamisela i-debit order, bakhetha imali abanokuhlala nayo baze balibale ngayo iminyaka. I-avareji yexabiso ledola ayiloqhinga lobuchule. Kukungabikho ngabom komnye, kwaye yiloo nto kanye isebenzela abantu abanemisebenzi yokwenza kwaye abangenamdla wokubukela itshati.

Ndiwubukele lo mdlalo ishumi leminyaka ngoku.

Umxhasi oqhuba ngokuzolileyo i-R2,000 yokuthenga qho ngenyanga kwaye akaze andifowunele ngexesha lengozi phantse usoloko ephambi kwalowo usindise isixa esisixa, walinda ukungena okugqibeleleyo kwaye wathenga iiveki ezimbini phambi kokuba amashumi asibhozo epesenti atsalwe. Akukho nto ixela kwangaphambili. Umntu uyisuse ngokulula ingqikelelo kwi-equation kwaye avumele i-debit order yenze umsebenzi we-willpower awukwazi.

Yintoni i-avareji yeendleko zedola ngokwenene

Uthenga irandi enye yeBitcoin ngexesha elinye nokuba lithini ixabiso. I-R1,000 ngosuku lokuqala lwenyanga nganye, okanye i-R5,000, nokuba liphi inani. Xa ixabiso liphezulu irandi yakho ithenga kancinci. Xa ixabiso lehlile irandi yakho ithenga ngaphezulu, eliqhinga liphelele elisebenza buthule ukuxhasa wena. Awuzami ukubamba umzantsi. Uyavuma, kwangaphambili, ukubamba intwana yexabiso ngalinye elinikezelwa yimarike.

Isizathu sokuba oku koyise ukungena okujongwe kakuhle kubantu abaninzi phantse akunanto yakwenza nezibalo kwaye phantse yonke into inento yokwenza nokuziphatha komntu. James Caw, ukubhala ngaphakathi The Strategic Reserve, ikubeka njengokwabelwa ngabom okuzolileyo okwakhiwe ngokuthe chu endaweni yokuthengisa ixesha. Elo binzana lenza umsebenzi omninzi. Ukwakha uvimba ngokucothayo sisigqibo osenza kanye. Ixesha lemarike sisigqibo ekufuneka usenze ngokuchanekileyo, ngokuphindaphindiweyo, ngokuchasene noloyiko lwakho, ngexesha elichanekileyo isigwebo sakho sibi kakhulu.

Isixa-mali xa sithelekiswa ne-DCA, ngokunyaniseka

Andizukwenza ngathi imaths ithanda iDCA. Ngokuqhelekileyo akunjalo.

Kwimarike ethe gqolo ukuya phezulu, kwaye i-Bitcoin inyuke ngobundlobongela ngakumbi kunayo nayiphi na i-asethi kwimbali yanamhlanje, ukufumana imali yakho kwangoko kudla ngokubetha idriphu kwiinyanga ezidlulileyo. Kwi-spreadsheet, isixa esinexesha elifanelekileyo siphumelela rhoqo. Ukuba unemali eninzi ekhoyo, umnqweno wokwenene womngcipheko kunye nomoya wokuhlala kwilahleko yamaphepha angamashumi amahlanu epesenti ngaphandle kokuchukumisa iqhosha lokuthengisa, isixa esisixa siyakhuseleka kwaye ndicwangcise ezininzi ngedesika ye-over-the-counter (OTC). Ingxaki kukuba i-spreadsheet ithatha uguqulelo lwakho olungagungqiyo. Uninzi lwabantu ludibana nohlobo olukhawulezayo lwabo okokuqala i-R100,000 iba ngama-R55,000 kwiiveki ezimbini, kwaye bathengisa ngoloyiko, kwaye babonakalisa ilahleko enokuthi iphole. I-avareji yeendleko zedola yakhelwe loo mntu, oko kukuthi yakhelwe phantse wonke umntu, kuba ithatha esona sigqibo sinzima kutyalo-mali kwaye inike ishedyuli.

Ngoko ke ukunyaniseka kukwenza oku. Isixa-mali sinokuphumelela ephepheni. I-DCA iphumelela kubomi bokwenyani kumtyali-mali obenokuthi ngenye indlela angasinde kuhambo.

I-Ukuguquguquka kwexabiso luphawu, hayi ibug

I-Bitcoin ayinyuki kumgca othe ngqo kwaye nabani na okuxelela ukuba uthengisa into ethile. Ichaphazeleke ngokutsalwa kaninzi okungaphezulu kwamashumi amahlanu eepesenti kunye neqela elikhulu kuneepesenti ezingamashumi asibhozo. Nakulo mjikelo wamaziko angaphezulu, kunye nee-ETF kunye nobuncwane bokunciphisa ujingi, ukuwa okumalunga nesiqingatha ukusuka kwindawo ephezulu kuqhelekile kunokuba koyike.

Umthengi onesixa-mali ufumana amava awela njengenxeba. Umthengi we-DCA uyayibona njengentengiso.

Xa ixabiso liqina, ukuthenga kwakho okucwangcisiweyo okulandelayo kuthenga nje iBitcoin ephindwe kabini njengoko yenzayo kwinyanga engaphambili. Ukwehla okothusayo wonke umntu kuthoba ngokuzolileyo ixabiso eliphakathi ngelixa uqhubeka nobomi bakho. Kungenxa yoko le nto ndichaza ukuguquguquka kweBitcoin kubathengi njengento ekrwada endaweni yokuba nesiphene silindele isiqwenga, inqaku endilibekayo ngokweenkcukacha ngakumbi kutheni ukubamba ixesha elide lelona qhinga lithembekileyo leBitcoin. Iijingi ezenza ukuba i-Bitcoin inganyamezeleki ukurhweba ziintolo ezifanayo ezenza kube nomvuzo ukuqokelela kancinci. Awunakukwazi ukufumana phezulu ngaphandle kwesiphithiphithi. I-DCA yindlela ojika ngayo isiphithiphithi sibe yinzuzo endaweni yesizathu sokuyeka.

I-R2,000 yeerandi ngenyanga

Makhe ndiyenze ikhonkrithi kunokuba ithiyori, kuba i-avareji ifihla into ethatha isigqibo ngeziphumo zokwenyani zomthengi obambe ingozi.

Yiba nomfanekiso-ngqondweni womthengi waseGeorge omisela i-R2,000 yokuthenga ngenyanga kwaye ebambelele kwisicwangciso iminyaka emine. Ngeenyanga ezimnandi ixabiso liphezulu kwaye i-R2,000 yabo ithenga iqhekeza elincinci. Emva koko kuyafika ingozi, njengoko ihlala isenza, kwaye kwaloo R2,000 ithenga isilayi esikhulu ngakumbi ngexabiso wonke umntu obiza ukuphela kweBitcoin. Xa ukubuyiswa kufikile, kwaye ngokwembali kuye kwafika, ezo ngqekembe ezinqabileyo ezithengiweyo ngexesha lokwesaba zithwala yonke indawo. I-avareji yeendleko kuyo yonke iminyaka emine ingaphantsi kwencopho umxhasi ebenokuleqa ukuba bebezamile ukukhetha ixesha labo ngesandla. Kwakungekho nto malunga nesiphumo efuna ukuqonda. Yayifuna kuphela ukuba idebit order iqhubeke isebenza ngelixa umxhasi wayeqhubeka nomsebenzi wakhe, usapho lwakhe kunye neempelaveki zabo kwiGarden Route.

Ngoku khawube nomfanekiso waloo mntu uzama ukubeka ixesha endaweni yoko. Balinda idiphu, emva koko balinde isiqinisekiso sokuba idiphu iphelile, emva koko bathenge kufutshane naphezulu ngenxa yokuphoxeka kukuphoswa kukuhamba. Ndikubukele kanye oku kusenzeka amaxesha amaninzi kunokuba ndinokubala. Ingqeqesho yeshedyuli emiselweyo ayiyonto intle kodwa ibetha umntu onexhala ngalo lonke ixesha.

Kutheni le wotshi yeminyaka emine ibala

I-Bitcoin iqhuba kwishedyuli esisigxina ukuba akukho komiti inokuhambisa.

Rhoqo kwiibhloko ezingama-210,000, ezisebenza phantse rhoqo emva kweminyaka emine, umvuzo ohlawulwa abasebenzi-mgodini ngokuvelisa ibhloko unqunyulwa phakathi. Oku kukuncipha, kwaye ngokuthe ngcembe kuthoba unikezelo lweengqekembe ezintsha ezingena kwimarike. Ngokwembali ixabiso liye lanyuka kwiinyanga ezilishumi elinesibini ukuya kwishumi elinesibhozo emva kwesiqingatha ngasinye, emva koko lalungiswa nzima, emva koko lisekelwe kwaye liphindwe. Umjikelo ayisosithembiso kwaye andisoze ndiwuthengise njengenye, kodwa sisingqisho esifanele ukuhlonipha xa ukhetha i-horizon yokubamba.

Nali icandelo eliphinda lihlengahlengise isicwangciso siphela. Ilinganiswe kwixesha elipheleleyo leminyaka emine yokubamba, i-Bitcoin ngokwembali ayizange iphele iphantsi kunokuba yaqala. Hayi kanye. Loo rekhodi ayiqinisekisi ikamva kwaye umlawuli ufuna ngokufanelekileyo ukuba ndikukhumbuze ukuba i-crypto assets isemngciphekweni omkhulu. Iyakuxelela ukuba ixesha emarikeni lenze umsebenzi onzima, hayi ixesha lentengiso. Isicwangciso se-DCA yindlela nje yokuzithengela kwesa singqisho seminyaka emine ngaphandle kokuqikelela ukuba umi phi kumjikelo namhlanje. Yiyo loo nto ndibumba iBitcoin yabantwana ngaphezulu kwehorizons emide, endiyibeke kuyo Bitcoin DCA kubantwana bakho.

Ndiqhuba njani isicwangciso se-DCA somxhasi

Ukuseta kwenziwa buthuntu ngabom, kuba buthuntu koko kusinda kwimarike yebhere. Umxhasi waseMzantsi Afrika uzikhethela isixa-mali ngenyanga, ayixhase ngedebhithi okanye ngokutshintshela imali nge-elektroniki (EFT) kwi-akhawunti esegameni lakhe, kwaye yonke into ayithengayo ingena kwiakhawunti yakhe enegama kunesipaji esidityanisiweyo. Izicwangciso zokonga ziqala kwi-R1,000 ngenyanga, nto leyo eyindawo yokungena yokwenyani kunenombolo yokuthengisa, kwaye akukho sohlwayo ngokuqala kancinci kwaye unyuse imali kamva njengoko ukugwetywa kwakho kuya kukhula.

Ugcino lukhula kunye nesikhundla. Kwiinyanga zokuqala, ngelixa ibhalansi incinci, iingqekembe zihlala phantsi kolawulo olukhokelwayo xa uwela i-R10,000, apho ukubamba izitshixo zakho kuqala ukufumana iinzame zokuseta. Njengoko isikhundla siba nentsingiselo iVault ithatha indawo, ulwakhiwo lwe-multisig apho kungekho qhosha lilinye linokuhambisa iBitcoin ngokwalo. Into umthengi angaze ayenze kukushiya ibhalansi ekhulayo epakishwe kutshintshiselwano, elinde ukuba iqonga lingaphumeleli ngendlela abaninzi abaye benza ngayo. Ukuba ufuna umfanekiso opheleleyo wendlela eyakhiwe ngayo kwaye ikhuselwe indawo yokuqala, ndiyahamba ngayo I-R100,000 yakho yokuqala kwiBitcoin.

Incoko yantlandlolo igubungela imibuzo emithathu ecacileyo. Yeyiphi imali yenyanga onokuyigcina iminyaka ngaphandle kokufuna ukubuyiselwa imali. Sesiphi isakhiwo sogcino esilingana nobukhulu obakha ngakubo. Kwaye yeyiphi i-horizon onokuthi uzibophelele kuyo ngokunyanisekileyo phambi kokuba irandi yokuqala ihambe. Fumana ezo zintathu zilungile kwaye isicwangciso ngaphezulu okanye ngaphantsi siqhuba ngokwaso.

Yintoni engayi kulungiswa yiDCA

Ndikweleta imida ngokucacileyo njengeenzuzo, kuba iqhinga elithengisiweyo licebo eliye lishiywe ngeyona ndlela imbi.

I-avareji yeendleko zedola ayijiki i-Bitcoin ibe yi-asethi ekhuselekileyo kwaye ayiwususi umngcipheko welahleko. Ukuba uqala isicwangciso ngemali oyidinga ngokwenene kwiinyanga ezilishumi elinesibhozo, akukho shedyuli iya kukusindisa ekunyanzelweni ukuba uthengise kwi-drawdown. Kwakhona ayikuvuzi ngokuyeka. Eyona ndlela ixhaphakileyo abathengi abazenzakalisa ngayo ayikukuthenga ngexesha elingalunganga. Inqumamisa isicwangciso ngexesha lokuntlitheka, ngokuchanekileyo xa isicwangciso sithenga iingqekembe zexabiso eliphantsi, kuba izihloko ziye zaqinisekisa ukuba ngeli xesha lahlukile. Umjikelo ngamnye uvelisa ezo zihloko kunye nomjikelo ngamnye abangalunganga ukuza kuthi ga ngoku. Isicwangciso osiphazamisayo nanini na xa uziva ungakhululekanga ayisosicwangciso se-DCA. Kukubeka ixesha kwimarike ngamanyathelo ongezelelweyo.

Inguqulelo yakho emisela i-debit order izolile. Uguqulelo ekufuneka luyigcine lusebenza kwiscreen esigcwele obomvu lulo oluthatha isigqibo ngesiphumo, kwaye yeyona DCA yakhelwe ngokuzolileyo ukukhusela.

Uqeqesho sisicwangciso

Abantu beza kum belindele inkqubo kwaye bahambe ne-debit order. Oko kuyabadanisa abanye babo, ngokufutshane, bade baqonde ukuba i-debit order yinkqubo. Akukho mqondiso wokubukela, akukho pateni yetshathi yokuyilawula, akukho mzuzu wobukrelekrele ofunekayo. Seta isixa, uzenzele ngokuzenzekelayo, ubambe umjikelo kwaye uvumele umjikelo wesiqingatha kunye nonikezelo olusisigxina benze oko bakwenzileyo iminyaka elishumi elinesihlanu. Abatyali-mali endibahlonipha kakhulu ayingabo abaneembono ezibukhali kwixabiso. Ngabo bathe baqhubeka bethenga ngo-2022 ngaphandle kokundithumelela i-imeyile kube kanye, kwaye ngoku babambe isikhundla abangenakuze balibeke ixesha lokungena. Ukuba ungathanda ukuqala ukuthenga i-Bitcoin ngqo ngaphambi kokuba uzibophelele kwishedyuli, ndiyayigubungela loo ndlela ungayithenga njani iBitcoin eMzantsi Afrika.