Uloyiko lokuphoswa kwiBitcoin: Ukujonga okuthe tye ngakumbi

I-FOMO sisizathu esibi sokuthenga i-Bitcoin kunye nesizathu esibi kakhulu sokuhlala ulindile. Uvakalelo luyinyani kwaye lufanelwe yintlonipho, kodwa njengophawu lokurhweba luvutha kanye ngexesha elingalunganga: kakhulu phezulu, cwaka ezantsi. Olu luguqulelo olunyanisekileyo lwencoko endinayo kunye nabathengi abafika bephefumla malunga nexabiso abalibonile kwifowuni yabo, kwaye iphelela kwindawo ezolileyo kunokuba iqala.

Ndikwenze oku eMzantsi Afrika ukusukela ngo-2016, okuthetha ukuba ndibukele iskripthi esifanayo sidlala imijikelo emibini epheleleyo. Umntu ufowuna encotsheni, eqinisekile ukuba ushiywe lixesha. Umntu ofanayo uhamba ngokuthula kwingozi elandelayo, xa i-Bitcoin ithengiswa ngokwenene. I-FOMO ayisosiphene somlinganiswa. Luphawu lwendlela iimarike ezibhityileyo, ezikhawulezayo ezisebenza ngayo kwinkqubo yemithambo-luvo yomntu, kwaye ukuyibiza ngokunyaniseka linyathelo lokuqala lokungalawulwa yiyo.

Kutheni i-FOMO isisiginali yokuthenga embi

Imvakalelo ifika kunye nesihlwele, kwaye isihlwele sifika ekugqibeleni. Ukuba ufikelela kwikhadi lakho lebhanki ngenxa yokuba wonke umntu kwi-braai ngequbuliso uyingcaphephe yeBitcoin, okanye ngenxa yokuba umfanekiso weskrini somntu ongamaziyo wenzuzo ufikile kwincoko yeqela lakho, okanye ngenxa yokuba inani liprinte nje eliphakamileyo elitsha, uphendula umfutho kunayo nayiphi na into oye wacinga ngayo. Ngelo xesha imarike ebhityileyo ixinene kakhulu kwaye ibiza kakhulu.

Ipateni ibhalwe kwirekhodi. NgoDisemba ka-2017 i-Bitcoin yabaleka kufutshane ne-19,783 yeedola kwaye uninzi lwabathengi abatsha baqokelelana kuloo nyanga yokugqibela, kanye phezulu. Ukutyhubela i-2018 ixabiso lisezantsi ukuya kwi-3,200 yeedola. Umntu ofike kwi-adrenaline yomhlangano wehle ngequbuliso malunga nama-80% ephepheni, kwaye ilahleko yamaphepha inendlela yokuba yeyokwenene xa uloyiko luthatha ivili. Bathengisa ezantsi. Bafunga yonke into. Emva koko bayayibukela ukuba ibuyele kude kwaye bazive i-FOMO kwakhona.

Imbuyekezo yeBitcoin yile nto izazi-manani ziyibiza ngokuba yi-fat-tailed: ubude bento obuyiyo bugqalwa bubundlobongela obuphezulu obutsalela abaqikeleli ngexesha kanye elingelilo. Loo skew yiyo loo nto i-asethi ilungile ekwenzeni ukuzisola. Akukho nanye kule ngxabano ngokuchasene nokuba neBitcoin. Yingxoxo echasene nokuvumela itshati ukuba igqibe xa umnikazi wayo.

Imvakalelo eneneni yalatha kuyo

Ngaphantsi kwengxolo, iFOMO ihlala ibona into eyinyani. Usenokuba ungaphantsi kobunzima botshintsho lwemali olusele lusendleleni.

I-Bitcoin ayikho isabelo kwinkampani kwaye ayiziphathi njengenye. Luthungelwano lwemali kunye nonikezelo olubekwe kwi-21 yezigidi zemali ukuba akukho komiti inokuvota ukwandisa. I-Saifedean Ammous yenza imeko kuMgangatho weBitcoin ukuba olu luhlobo olutsha lwemali oluvela kwihlabathi apho yonke imali ekhoyo ihlanjululwa ngokuzolileyo, kwaye yingxoxo yesakhiwo endaweni ye-hype. Umbuzo onyanisekileyo awuyiyo into yokuba ixabiso liyenyuka kwiveki ezayo, kuba akukho mntu uyazi kwaye nabani na othi uthengisa into ethile. Umbuzo onyanisekileyo ngowokuba ingaba uphethe isixa esifanelekileyo se-asethi ehlala ngaphandle kwenkqubo ngokuthe ngcembe ithoba imali oyongileyo. Ayingomncili lowo. Oko kukwahlukahlukana, kwaye ixhala olivayo njengeFOMO ihlala ingumbuzo ofuna ukuphendulwa. Intlekele yeyokuba ifuna kakhulu phezulu, xa ukwenza oko kubiza kakhulu, kwaye ithi cwaka xa kutsalwa, xa ukwenza oko kuya kubiza kancinci.

Ixesha emarikeni libetha ixesha

Nantsi indawo ehlabayo. Abantu abalindele i-Bitcoin ukuba izole, okanye ifumane ixabiso eliphantsi, okanye bazive bekhuselekile, ngokwembali bazilinda bephuma kwiimbuyekezo ebebenethemba lokuzifumana.

Jonga ukuba idlala njani. Kwi-2018 imvumelwano yayikukulinda uthuli ukuba luzinze emva kwengozi ukuya kwi-3,200 yeedola. I-Bitcoin ke yanyuka iminyaka. Umsindisi owabambelela ekungeneni kamnandi wayibukela inyuka, yaqhekeka ndaweni ithile kufutshane nencopho elandelayo, yaze yathenga phezulu kunjalo. Ukulinda akuzange kuyisuse ingozi. Ibitshintshile nje ukungena okuhle kokubi kwaye yongeza iinyanga zokuqikelela okwesibini ngaphezulu. Isicwangciso sokubamba de i-Bitcoin izive izolile ngokwenene sisicwangciso sokungaze uthenge, kuba i-asethi encinci yemali ifumana ixabiso layo kuluntu iya kuhlala inenye i-drawdown kuyo. Ukuba ulinde ujingi apho uziva ukhuselekile ngokupheleleyo, uya kube ulindile xa uneminyaka engamashumi asibhozo.

Uphando kule nto alunakuphikisana xa ususa i-Bitcoin ithiyetha. Ixesha kwimarike libetha ixesha lemarike, kwaye ikwenza njalo. Cinga olona vavanyo lukhohlakeleyo lunokwenzeka: ukuthenga kuphela kwincopho yomjikelezo ngamnye, i-top kaDisemba ka-2013, i-December 2017 ephezulu kufuphi ne-$ 19,783, i-November 2021 ephezulu kufuphi ne-$ 69,000. Kwanaloo xesha lingenathemba lokubaleka liphela kwinzuzo xa sele ubambe yonke imijikelo, kuba yonke iminyaka emine yokubamba ixesha kwimbali yeBitcoin ivale ngaphezulu kunokuba ivulwe. Andisoze ndithembise ukuba irekhodi liyaqhubeka. Nam andizuzenza ngathi ndikude. Yeyona ngxoxo inamandla endiyaziyo ngokuphatha oku njenge ukubamba ixesha elide kunorhwebo.

Enye indlela yoqeqesho

Eyona ndlela icocekileyo yokoyisa iFOMO kukwenza isigqibo sexesha siyeke ukuba sisigqibo konke konke. Yiloo nto eyenziwa yi-avareji yexabiso lerandi. Uthenga isixa-mali esimiselweyo ngamaxesha aqhelekileyo, iirandi ezifanayo kwangosuku olunye lwenyanga, nokuba ixabiso li-euphoric okanye kugutha.

Oomatshini benza umsebenzi weemvakalelo kuwe. Xa iBitcoin ibiza imali yakho emiselweyo ithenga kancinci. Xa iwela kwenye yezinto ezibizwa ngokuba bubusika be-crypto imali yakho efanayo ithenga ngokuthe cwaka okuninzi, ke uqokelela kakhulu ngamaxabiso kanye umthengi we-FOMO woyika kakhulu ukuba angawaphatha. Awunakuze usasaze yonke into yakho ngosuku olungaphambi kokulungiswa, kwaye awuze ucinge ukuba uphantsi uhleli phi. Kwi-The Strategic Reserve ndixoxa ngokuzola, ukwabiwa kwangabom ngexesha lemarike, ukwakha isikhundla ngokuthe ngcembe kunokuba sijonge kuyo, kwaye le yimilo ebonakalayo ethathayo. Ndiye ndahamba kubuchwephesha obugcweleyo bendlela kwiqhekeza lam ixabiso lerandi kwi-Bitcoin, kwaye ngumkhwa omnye ogcine abathengi bam abaninzi kubo kunayo nayiphi na enye.

Ukuziphatha kuyabetha ukukholelwa apha. Isikhundla esithobekileyo esiqokelelwe ngokuthe ngcembe kwaye sibanjwe kwingxolo siye sasebenza ngaphezu kwesikhulu esithengwe ngomkhuhlane kwaye sithengiswa ngoloyiko, yonke imijikelo endiyijongileyo.

Isicwangciso esikruqulayo siyaphumelela. Ngokuqhelekileyo yenza njalo.

Inguqulelo yaseMzantsi Afrika yempazamo

Abemi boMzantsi Afrika banexesha elide, elilusizi lokuziqhelanisa nale mpazamo kanye, kwaye uninzi lwethu luyiphile ngaphandle kokuqaphela. Kangangeminyaka engamashumi amabini inyathelo lobulumko ibikukonga imali kwirandi. Uninzi lwabantu lulinde ixesha elifanelekileyo. Baye balinda ukuba imali yomelele, okanye ukuba ipolitiki izinze, okanye nje iveki ezolileyo ukuyilungisa.

Umzuzu awuzange ufike. Irandi ilahlekelwe malunga ne-70% yexabiso layo xa ithelekiswa nedola kule minyaka ingamashumi amabini, ukuvuza okucothayo endikubeke ngokupheleleyo kwinqaku lam. yintoni Bitcoin ngokwenene hedges. Unyaka ngamnye wokuthandabuza wenza idola yabiza kakhulu, hayi ngaphantsi. Eli liwele le-FOMO elizolileyo: hayi ukothuka kokuthenga emva kwexesha, kodwa ukukhubazeka kokungaze uthenge konke, unxibe njengobulumko. Umlondolozi eGeorge okanye eJoburg ogcine yonke into ngokwerandi akazange awuphephe umngcipheko ngokulinda. Basuka bakhetha ukhukuliseko ababengenakulubona ngaphezu kokuguquguquka ababenako.

Ngoku yibeke ngokuchasene nabantu abenze oko. Umntu oqokelele i-Bitcoin ngokuthe chu ukuya ngo-2018, 2019 kunye no-2020, xa isimo sengqondo sasekhaya sasisuka ekungakhathali ukuya kwisigculelo esicacileyo, uhleli kwindawo enentsingiselo yokwenyani namhlanje. Akunjalo ngenxa yokuba behlakaniphile okanye banethamsanqa, kwaye kungekhona ngenxa yokuba babiza umzantsi. Ngenxa yokuba babenexesha elide leminyaka kwaye bahlala ngaphakathi kwiijingi ngelixa wonke umntu owayelinde ukuqiniseka ehlala ngaphandle. Elo lixesha emarikeni lenza umsebenzi walo wesigulana, kwaye likhangeleka ngathi likrelekrele kuphela kwisibuko esingasemva.

Imibuzo engcono kuno "kufuneka ndithenge ngoku?"

Xa i-FOMO ibetha, yeka ukubuza ukuba uthenge kuba ixabiso lihamba kwaye ubuze imibuzo emithathu ebukhali endaweni yoko.

Ngaba ngokwenene ndihlulwe kwimali yasekhaya? Kummi waseMzantsi Afrika oko asikokukhetha indlela yokuphila, yi-arithmetic kwimali eyakhelwe ukuba buthathaka. Emva koko: ukuba i-Bitcoin iba yi-asethi yokugcina imali ehlala ixesha elide, sesiphi isiqwenga esinengqondo sobutyebi bam ukuba ndibambe kuso? Ipesenti enye, isihlanu, ishumi? Kwisabelo esincinci nkqu ne-50% ye-Bitcoin yokutsalwa kwe-Bitcoin ngokungaqhelekanga ayiboli yonke ipotfoliyo, nto leyo kanye ekuvumela ukuba ubambe uloyiko endaweni yokuthengisa kuyo.

Kwaye ekugqibeleni, lowo uthatha isigqibo kuyo yonke into: ngaba ngokunyanisekileyo ndinombono weminyaka emine okanye ngaphezulu? Ukuba ewe, ingxelo yembali ibonisa ukuba umngcipheko wexesha uthobekile kwaye ukwabiwa kwangabom kuyavakala. Ukuba i-horizon yakho ingaphantsi kweminyaka emibini, i-Bitcoin's short-term swings yingozi yokwenyani kwaye iyasebenza, kwaye isiphelo esiqeqeshekileyo sinokuthi oku akusiyo i-asethi efanelekileyo kuwe ngoku. Ayiyiyo yonke into eyeyawo wonke umntu, kwaye ndingakhetha ukuphulukana nentengiso kunokuba ndibukele umntu ethenga ngemali kunye nexesha elibekiweyo elingenakuphila kuhambo.

Phawula ukuba loo mibuzo yabelana ngantoni. Akukho nanye ikhankanya ixabiso olibonileyo ngale ntsasa.

I-FOMO ikhomba ingxaki yokwenene, ukuba unokuba ungaphantsi kobunzima bokutshintsha imali ebalulekileyo, kwaye ifanele impendulo. Asiyiyo nje le nto ifunayo ngokungxama. Thatha isigqibo malunga nolwabiwo ngelixa uzolile, seta i-horizon onokuthi uyigcine, zenzele ukuthenga ukuze umfutho uyeke ukuqhuba umboniso, emva koko uvale usetyenziso kwaye uqhubeke nobomi bakho. Nantoni na oyiqokelelayo kufuneka ibanjwe ngokuchanekileyo, ngokuzigcina kwakho ngokufanelekileyo, kuba uqeqesho olukwenza ube sesikhundleni sisiqingatha somsebenzi. Ukuba ufuna ulwakhiwo oluzinzileyo olwakhiwe malunga nemeko yakho kunokuba lujikeleze izihloko zemihla ngemihla, qala ngomnxeba wesakhiwo seBitcoin kwaye siya kuyenza imaphu kunye.