Qala usemncane, onga ngokuhlakanipha: Indlela i-iDola-cost averaging ye-Bitcoin engavikela ngayo ikusasa lezingane zakho

Ingane yaseGeorge eqala uhlelo lwe-Bitcoin kulo nyaka ine-asethi eyodwa okungekho muntu omdala ongayithenga kamuva, kanti leyo asethi yisikhathi. Iminyaka eyishumi nesishiyagalombili ingumbono wesikhathi abatshalimali abaningi asebekhulile abangeke baphinde bawubone kunoma yisiphi isikhundla abasibambile, futhi kungumbono wesikhathi kanye i-Bitcoin ewufanele kakhulu. Lolu wuhlelo engilusethela abazali abafuna ukongela ingane kule asethi eyodwa eyakhelwe amashumi eminyaka kunamakota, luhlelwe ngendlela yokuthi i-Bitcoin ibe ngeyengane ngempela, ithengwe ku-akhawunti yengane uqobo futhi ivikelwe ngaphakathi kwe-vault yomndeni abazali abavele beyilawula.

Sengiziqhube lezi zinhlelo isikhathi eside ngokwanele ukubona izingane zokuqala zikhula ngaphakathi kwazo.

Umzali owasetha buthule ukuthenga kwanyanga zonke ngonyaka okwazalwa ngawo indodakazi, futhi ongazange akumise nakanye phakathi kokuwohloka kwezimakethe, manje ubuka isikhundla abengeke asihlanganise nganoma iyiphi enye indlela. Akabikezelanga lutho. Wamane wavumela umbono weminyaka eyishumi nesishiyagalombili nenani lezinhlamvu elimisiwe kwenze ukunqwabelana ngesikhathi wonke omunye umuntu ephikisana ngentengo. Yilo lonke isu lelo futhi licishe libe sobala ngokuyihlazo uma usulibuka lisebenza.

Kungani ingane ingumongi we-Bitcoin ofanelekile

Isikhathi yiyo into eyodwa ebaluleke kakhulu kule asethi futhi yiyo into eyodwa usana olusanda kuzalwa olunayo ngobuningi. Uma kukalwa ngezikhathi zokubamba ezigcwele zeminyaka emine, i-Bitcoin ngokomlando ayikaze iphele phansi kunalapho yaqala khona. Ingane eqala ekuzalweni ayibheki ifasitela elilodwa leminyaka emine. Ibheka amane noma amahlanu awo abekwe elandelana ngaphambi kokuba ize ihole umholo wokuqala, ubude bendlela okungekho mtshalimali omdala ongazinika bona ngokweqiniso.

Leyo ndlela ende ixazulula umbuzo wokuguquguquka kwentengo omisa abazali abaningi. I-Bitcoin ayenyuki ngomugqa oqondile futhi ngingeke ngenze sengathi kunjalo, kodwa ukushwiba okuzwakala kungabekezeleleki ezinyangeni eziyishumi nesishiyagalombili kubukeka njengomsindo nje eminyakeni eyishumi nesishiyagalombili. Ngisho naleso siyaluyalu siyadamba. I-Fidelity -edijithali Assets iphawule ukuthi njengoba i-Bitcoin ikhule yaba yi-asethi yamathriliyoni amaningi amadola enokuthengiseka okujulile kwezikhungo, ukuguquguquka kwayo kwentengo bekulokhu kudamba, yenza amazinga aphezulu amasha ngesikhathi ukuguquguquka kwayo konyaka nonyaka kubeka amazinga aphansi amasha. Uhlelo lwengane aludingi lokho ukuze luphumelele. Lufika emakethe ezolile futhi enkulu kunaleyo abazali balo abaqala kuyo.

Bese kuba khona isizathu engihlala ngibuyela kuso. Ngibhala ku- The Strategic Reserve, ngakubeka ngokusobala: ukubhema kukalwa ngamashadi entengo, isu lokugciniwe likalwa ngamashumi eminyaka. Uhlelo lokonga lwengane luwuhlobo oluhlanzeke kakhulu lwesu lokugciniwe olukhona. Akekho obuka lelo shadi efuna ukuphuma. Imali ayidingeki ngonyaka ozayo noma ngonyaka olandelayo, okuyiso kanye isimo i-Bitcoin ehlale ivuza ngaphansi kwaso ababekezelayo futhi ijezise abaxhamazelayo. Uma ufuna impikiswano egcwele yokuthi kungani ukubamba isikhathi eside okungaphazanyiswa kudlula sonke isinyathelo esihlakaniphile, ngiyichaze ku- kungani ukubamba isikhathi eside kuyisu le-Bitcoin elithembeke kakhulu.

Inani lezinhlamvu elimisiwe liyinjini ethulile

Irandi elise-akhawuntini yasebhange yengane liqinisekisiwe ukuthi lizoncishiswa amandla. Lokho akukona ukubona kabi. Kuyizibalo. Ngemva kwenhlekelele ka-2008 futhi kwaphinda ngo-2020, amabhange amakhulu andisa inani lemali ekhona ngesilinganiso esasizobukeka siwubudedengu esizukulwaneni esedlule, iMelika yodwa yandisa inani layo lemali ye-M2 ngaphezu kwamaphesenti angamashumi amane eminyakeni engaphansi kwemithathu. Iyunithi ngayinye yalokho kwandiswa yancipha buthule amandla okuthenga emali ebivele ihlezi ema-akhawuntini. I-akhawunti yokonga ekhokha inzalo esemuva ngephesenti elilodwa kunalokho kuncishiswa ayakhi ngcebo yengane. Iyayilahlekelwa kancane ngokwanele ukuthi kungekho muntu okuqaphelayo kuze kuphele iminyaka eyishumi nesishiyagalombili.

I-Bitcoin isebenza ngomqondo ophambene. Yizinhlamvu eziyizigidi ezingu-21 kuphela eziyoke zibe khona, umkhawulo oqinile ophoqelelwa yi-node ngayinye ephelele kwinethiwekhi futhi okungenakwenzeka ukuwushintsha ngaphandle kwemvume yohlelo lonke. Ngaphezu kwamaphesenti angu-90 alelo nani sekukhishiwe kakade kanti okusele kufika ngeshejuli okungekho komiti, nhlekelele noma khetho okungayisheshisa. Njalo eminyakeni emine izinga lokukhishwa okusha lehla ngesigamu. Ngo-2032 kuyobe sekukhandwa uhlamvu olungaphansi kolulodwa ngebhulokhi ngayinye, kanti cishe ngo-2140 ukukhishwa kuma ngokuphelele.

Beka lawo maqiniso amabili eceleni kwelinye ebunganeni bonke.

Ngakolunye uhlangothi kuhlezi imali eklanyelwe ukwanda noma nini lapho kulungele ezombusazwe. Ngakolunye kuhlezi i-asethi ethembise, ngekhodi okungekho muntu ongayeqa, ukuthi ayisoze yancipha amandla ombambi. Yiyo kanye leyo mpawu umzali ayithengela ingane, hhayi isithembiso sokudlula ezinye kodwa isithembiso sokungancishiswa. Uma kunqwabelaniswa eminyakeni eyishumi nesishiyagalombili, igebe phakathi kwe-asethi engenakwandiswa naleyo eklanyelwe ukwandiswa liyigebe phakathi kwefa langempela nelegama nje. Kuwumqondo ofanayo osemva kohlelo olujwayelekile lomuntu omdala, engihamba ngawo ku- i-iDola-cost averaging ku-Bitcoin, umane welulwe esikhathini eside kakhulu.

I-akhawunti ingena egameni lengane uqobo

Yilapha iseluleko esivamile esiphambanisa khona. Abantu bacabanga ukuthi ingane ayikwazi ukuba ne-Bitcoin, ngakho baphetha ngokuthi uhlelo kufanele luhlale egameni lomzali ngemva kwencwadi yenhloso ingane ize ibe neminyaka engu-18. Akuyona indlela engikwenza ngayo leyo futhi akudingekile. Ingane ivunyelwe ukuba nempahla yayo.

Okudingwa yingane kuqala yi-akhawunti yasebhange esegameni layo, umzali waseNingizimu Afrika angayivulela ingane encane ebhange lakhe. Uma leyo akhawunti enegama isikhona, ngibhalisela ingane i-akhawunti yokuthenga ukuze i-Bitcoin eyithengayo ithengwe yiyo futhi ibe ngeyayo kusukela kwirandi lokuqala. I-debit order yanyanga zonke ixhaswa yi-akhawunti yengane uqobo. I-Bitcoin efikayo yi-Bitcoin yengane, hhayi okubanjwe ngumzali okubekelwe encwadini yefa kwethenjwa ukuthi kuzodluliselwa ngolunye usuku.

Ingeyayo kusukela osukwini ethengwa ngalo.

Lowo mehluko ufundeka njengobuchule bomthetho nje uze uwulandele uye esiphethweni sawo. Eminyakeni eyishumi nesishiyagalombili nasekudlulisweni kwengcebo isuka esizukulwaneni esisodwa iya kwesilandelayo, asikho neze isikhathi lapho i-asethi kufanele iphinde ibhaliswe kabusha, idluliselwe noma kuphikiswane ngayo efeni. Umbuzo wobunikazi waxazululwa ekuqaleni, buthule, ezingeni lokuthi izinhlamvu zafika ku-akhawunti kabani. Akukho lutho ngohlelo oluncike ekutheni umzali aphile aze aludlulisele.

I-vault yomndeni eyakhelwe phezu kwe-hardware yakho

Ubunikazi buyingxenye eyodwa yohlelo. Ukugcinwa kungenye, kanti uhlelo lokonga olukalwa ngamashumi eminyaka alukwazi ukuhlala ku-exchange. Yikho kuphela okungenakuxoxiswana ngakho kuwo wonke lo msebenzi, ngoba uma umbono wesikhathi mude kakhulu kuba nesikhathi esiningi sokuthi iplatifomu imise, ihluleke noma imane inyamalale nebhalansi. I-Bitcoin ebanjelwe ingane kufanele ibe yi-Bitcoin umndeni oyilawula ngempela, okusho ukuthi izikhiye zihlala nomndeni hhayi nenkampani ethemba ukuthi isazobe ikhona ngo-2044.

Empeleni lokho kusho i-vault yomndeni, eyakhelwe phezu kwe-hardware yabazali uqobo. Uma abazali sebevele bengamaklayenti e-Vault lokhu kulula, ngoba i-vault yomndeni ihlanganiswa nge-hardware asebevele beyibambile. I-Bitcoin yengane ibe isihlala ngaphakathi kwesakhiwo se-multisignature lapho kungekho khiye owodwa ongayihambisa wodwa futhi kungekho divayisi eyodwa elahlekile engacwilisa yonke into. Ngichaze ukuthi ukuzigcinela kwenziwa kanjani ngaphandle kwamaphutha ajwayelekile abasaqalayo ku- ukuzigcinela i-Bitcoin eNingizimu Afrika, kanti i-vault imane yelule wona lowo mqondo ezikhiyeni eziningi ezibanjwe ngokwehlukana.

Abazali bagcina ukulawula ingane isencane, okuyindlela kanye okufanele kube ngayo. Njengoba ingane ikhula ingazibambela omunye wezikhiye eziyimfihlo, ukhiye ogcinwe ngamabomu wehlukene nama-vault abazali uqobo, ukuze ingane ithwale umthwalo wangempela wezinhlamvu zayo ingakaze ithinte okunye okubanjwe ngumndeni. Kuyisifundo sokuqala sokuzigcinela esinobungozi bangempela kanye nesivikelo sangempela ngesikhathi esisodwa. Ukuthi izikhiye zihlukaniswa kanjani, neminyaka ingane ethatha ngayo owodwa, yinto esiyihlela ndawonye ocingweni lokusetha kunokuba siyimise ngokungacacile, ngoba umndeni ngamunye uhlezi endaweni ehlukile.

Kungani ngishanelela kwi-vault ku-R10,000

Kunesizathu samabomu sokuthi i-Bitcoin ingangeni kwi-vault ngaso leso sikhathi ithengwa. Ukuthumela i-Bitcoin kubiza imali yenethiwekhi, kanti leyo mali ikhokhiswa ngokuthengiselana ngakunye noma ngabe ukuthengiselana kuthwele i-Bitcoin engakanani. Faka amarandi angamakhulu ambalwa e-Bitcoin esitorejini esibandayo nyanga zonke bese ukhokha imali yokuthumela izikhathi eziyishumi nambili ngonyaka enanini elincane ngasinye, okuwukulunywa okubalulekile kokongiwe kwengane.

Ngakho ukuthenga kwanyanga zonke kuqala kuyanqwabelana bese ngikushanelela kwi-vault yomndeni uma ibhalansi isifinyelela cishe ku-R10,000. Ukuhlanganisa ukudlulisela kugcina okuningi kakhulu kwemali yengane ku-Bitcoin esikhundleni sezimali zenethiwekhi, kokubili endleleni eya kwi-vault manje nasendleleni ephumayo emashumini eminyaka kamuva lapho izinhlamvu zigcina zihanjisiwe noma zidluliselwa. Kuyisiqeshana sobunjiniyela esincane abantu abaningi abangacabangi ngaso nhlobo kanti ebunganeni bonke bokuthenga kwanyanga zonke buthule bonga imali yangempela. U-R10,000 futhi uyizinga lapho ukubamba izikhiye zakho kuqala khona ukuzikhokhela kunoma yimuphi umbambi we-Bitcoin, yingakho kuwumkhawulo ofanayo engiwusebenzisa kukho konke okunye engikwenzayo.

Uhlelo luyafundisa ngaphambi kokuba lukhokhe

Kukhona imbuyiselo yesibili kulokhu engaze ivele esitatimendeni. Ingane ekhula yazi ukuthi uhlelo lwe-Bitcoin lusebenza egameni layo, futhi efundiswa ngeminyaka efanele ukuthi luyini nokuthi kungani umndeni walukhetha, ifunda izinto i-akhawunti yokonga engasoze yazifundisa. Ifunda ukuthi indlala yangempela iyini, ngoba kuyoke kube khona izinhlamvu eziyizigidi ezingu-21 kuphela hhayi ngaphezulu. Ifunda ukuhlehlisa ngendlela enamathelayo, ngoba uhlelo luzikala ngeminyaka hhayi ngamasonto emali yephakethe.

Ukonga ngerandi kufundisa isifundo esiphambene ngengozi. Ingane ibuka inombolo ese-akhawuntini ihlezi ingashintshi ngesikhathi intengo yakho konke okuyizungezile inyuka, umgomo ohlala unyakaza oncipha buthule lokho ekubekile. Ukonga nge-Bitcoin kuyakuphendula lokho. Ingane ebuka i-asethi enani lezinhlamvu elimisiwe imelela indawo yayo ikhula inesimilo sokubekezelela isikhathi emathanjeni ayo, isineke sokulinda nomuzwa wokucabanga ngamashumi eminyaka kunangamaviki. Yiyo imikhuba ethwala ingcebo yomndeni isuka esizukulwaneni esisodwa iya kwesilandelayo, kanti ingane esefikisayo eqonda ukuthi kungani abazali bayo bonga ngale ndlela ihlome kangcono kakhulu ukuyiphatha lapho umthwalo ufika kuyo.

Ukuqinisekisa ukuthi ifinyelela esizukulwaneni esilandelayo

Uhlelo olunjengalolu luwukuhlela ukulandelana noma ngabe ukhona olubiza kanjalo, kanti i-Bitcoin inomthetho owodwa ongaxoleli. Noma ngubani olawula ukhiye oyimfihlo ulawula izinhlamvu, kanti uma izikhiye zilahleka ngaphandle kohlelo lokudlulisela i-Bitcoin imane iphelile nya. Akukho myalelo wenkantolo, bhange noma mmeli ongabuyisa ukhiye okungekho muntu ongamthola. Okugciniwe kwe-Bitcoin ngaphandle kokulandelana akukona okugciniwe. Kuyisikweletu.

Ngakho indlela yokubuyisela yakhelwa ngaphakathi kusukela osukwini lokuqala kunokuba inanyathiselwe ngemva kwenhlekelele. Lokho kusho imiyalelo ebhaliwe etshela abantu abafanele ukuthi izipele zihlala kuphi nokuthi zifinyelelwa kanjani, ngaphandle kokuba amagama okubuyisela uqobo aze avele encwadini yefa, njengoba incwadi yefa iba ngumqulu womphakathi ngesikhathi sokuphathwa kwefa. I-vault yomndeni ye-multisignature yenza lokhu kuphephe kakhulu, ngoba ukufinyelela kusatshalaliswe ezikhiyeni ezehlukene ezibanjwe ngokwehlukana, ngakho idivayisi eyodwa elahlekile noma ishwa elilodwa alilokothi lihlukanise ingane nalokho eyakhelwa khona. Ukusetha okuhleleke kahle, nezikhiye ezibanjwe ngabantu abehlukene, kuyindlela ehlanzeke kakhulu engiyaziyo yokuqinisekisa kokubili ukuthi akekho ongahambisa i-Bitcoin yedwa nokuthi umndeni ungahlala uyibuyisa lapho uyidinga. Ngijula kakhudlwana ekuyibambeni izizukulwane ngezizukulwane ku- ukwakha ingcebo ye-Bitcoin yezizukulwane eziningi eNingizimu Afrika.

Yonke le nto inqwabelana ezinhlangothini ezimbili ngesikhathi esisodwa. Izinhlamvu zinqwabelana ngendlala ngesikhathi ingane inqwabelana ngokuqonda, kanti isakhiwo siqinisekisa ukuthi lokhu kokubili kugcina kuhlangana ezandleni ezifanayo. Umzali ovula i-akhawunti egameni lengane, oyixhasa ngokuzinzile futhi asethe ukubuyisela ngendlela efanele wenze into ecishe kungekho esinye isinqumo sokonga esiyivumelayo: unikeze isizukulwane esilandelayo i-asethi engenakuncishiswa amandla, egameni laso, nolwazi lokuyibamba kahle.

Uma ufuna ukusethela ingane yakho uhlelo, unga qala uhlelo lwengane lapha bese siluhlela ngokomndeni wakho kusukela kwirandi lokuqala.