I-iDola-Cost Averaging ku-Bitcoin: Icala Elisebenzayo

Abatshalizimali abenza kahle kakhulu ngeBitcoin cishe abakaze babe yibo abasibeke isikhathi. Yibo abafaka i-debit order, bakhetha inani lemali abangahlala nalo base beyikhohlwa iminyaka. Ukulinganisa izindleko zamadola akulona isu elihlakaniphile. Ukungabikho komuntu ngamabomu, yingakho nje kusebenzela abantu abanemisebenzi okumele bayenze futhi abangenantshisekelo yokubuka ishadi.

Sengikubuke lo mdlalo iminyaka eyishumi manje.

Ikhasimende elithenga ngokuthula u-R2,000 ngenyanga futhi lingalokothi lingishayele ucingo ngesikhathi sengozi cishe lihlala lihamba phambili kunalo eligcine isamba semali, lilinde ukungena kahle lathenga amasonto amabili ngaphambi kokudonsa amaphesenti angamashumi ayisishiyagalombili. Akekho owabikezela lutho. Umuntu uvele asuse isibikezelo ku-equation futhi avumele i-debit order ukuthi yenze umsebenzi amandla angeke akwazi.

Iyini isilinganiso se-iDola-cost empeleni

Uthenga inani elifanayo lerandi le-Bitcoin ngesikhathi esifanayo kungakhathaliseki intengo. U-R1,000 ngosuku lokuqala lwenyanga ngayinye, noma u-R5,000, noma ngabe ingakanani inombolo. Uma intengo iphezulu irandi lakho lithenga kancane kancane. Uma intengo yehlile irandi lakho lithenga okwengeziwe, okuyiqhinga elisebenza buthule ukuze livune wena. Awuzami ukubamba phansi. Uyavuma, kusengaphambili, ukubamba kancane kuwo wonke amanani anikezwa yimakethe.

Isizathu sokuthi lokhu kwehlule ukungenela okukodwa okucatshangelwe kahle kubantu abaningi cishe akuhlangene nezibalo futhi cishe nakho konke okuphathelene nokuziphatha komuntu. U-I-James Caw, ubhala ngaphakathi I-The Strategic Reserve, ikubeka njengesabelo esizolile sangamabomu esakhiwe kancane kancane esikhundleni sokubeka isikhathi imakethe. Lesi sisho senza umsebenzi omningi. Ukwakha indawo yokulondoloza kancane kuyisinqumo osithatha kanye. Ukubeka isikhathi emakethe kuyisinqumo okufanele usenze ngendlela efanele, ngokuphindaphindiwe, ngokumelene nokwesaba kwakho siqu, ngezikhathi eziqondile ukwahlulela kwakho kuba kubi kakhulu.

Isamba semali uma siqhathaniswa ne-DCA, ngokweqiniso

Ngeke ngenze sengathi izibalo zivuna i-DCA. Ngokuvamile ayikwenzi.

Emakethe ethambekela phezulu kakhulu, futhi i-Bitcoin ikhuphuke ngobudlova kakhulu kunanoma iyiphi impahla emlandweni wesimanje, ukuthola imali yakho kusenesikhathi kuvame ukuyihlula i-drip-feeding phakathi nezinyanga. Ku-spreadsheet, isamba esinesikhathi esihle siwina kaningi kunalokho. Uma unesamba esikhulu esitholakalayo, isifiso sangempela sokuba sengozini kanye nomoya wokuhlala ulahlekelwe yiphepha elingamaphesenti angamashumi amahlanu ngaphandle kokuthinta inkinobho yokuthengisa, isamba siyavikeleka futhi ngihlele eziningi zazo ngokusebenzisa ideski le-over-the-counter (OTC). Inkinga ukuthi ispredishithi sithatha inguqulo yakho enganyakazi. Abantu abaningi bahlangana nenguqulo yabo esheshayo okokuqala u-R100,000 eba u-R55,000 phakathi namasonto amabili, futhi badayisela ovalweni, futhi baveza ukulahlekelwa ishadi ebeliyolulama. Isilinganiso sezindleko ze-iDola yakhelwe lowo muntu, okusho ukuthi yakhelwe cishe wonke umuntu, ngoba kuthatha isinqumo esisodwa esinzima kunazo zonke ekutshaleni imali futhi sikunikeze isimiso.

Ngakho-ke uhlaka oluthembekile yilokhu. Isamba semali singawina ephepheni. I-DCA iwina empilweni yangempela yomtshali-zimali obengeke asinde ohambweni.

I-Ukuguquguquka kwentengo isici, hhayi iphutha

I-Bitcoin ayikhuphuki ngomugqa oqondile futhi noma ngubani okutshela ukuthi uyathengisa okuthile. Ibhekane nokudonswa phansi okuningi ngamaphesenti angaphezu kwamashumi amahlanu kanye namaphesenti ambalwa amakhulu kunamashumi ayisishiyagalombili. Ngisho nakulo mjikelezo wezikhungo eziningi, nama-ETF kanye nengcebo edambisa ukushintshashintsha, ukuwa cishe kwesigamu sendawo ephakeme kuyinto evamile kunokuba kuthuse.

Umthengi wesamba semali uhlangabezana nokuwa njengenxeba. Umthengi we-DCA uyibona njengendali.

Lapho inani lentengo lincipha, ukuthenga kwakho okulandelayo okuhleliwe kuvele kuthenge i-Bitcoin ephindwe kabili kunaleyo kwakwenze ngenyanga edlule. Ukwehla okwethusa wonke umuntu ukwehlisa buthule izindleko zakho ezimaphakathi ngenkathi uqhubeka nempilo yakho. Kungakho ngichaza ukuntengantenga kwe-Bitcoin kumakhasimende njengempahla eluhlaza esikhundleni sesici esilinde isiqeshana, iphuzu engiliveza ngokuningiliziwe kungani ukubamba isikhathi eside kuyisu elithembeke kakhulu le-Bitcoin. Amajikijolo okwenza i-Bitcoin ingabekezeleleki ekuhwebeni iwukushintshashintsha okufanayo okwenza kube nomvuzo ukuqongelela kancane. Awukwazi ukuba nemiphumela emihle ngaphandle kwesiyaluyalu. I-DCA yindlela owenza ngayo isiphithiphithi sibe yinzuzo esikhundleni sesizathu sokuyeka.

Indaba ka-R2,000 ngenyanga

Ake ngikwenze kube okubambekayo esikhundleni sethiyori, ngoba ama-avareji afihla into empeleni enquma imiphumela yangempela yekhasimende elibambe ingozi.

Ake ubone ngeso lengqondo ikhasimende eliseGeorge elenza ukuthenga ngo-R2,000 ngenyanga futhi libambelele ohlelweni iminyaka emine. Ezinyangeni ezimnandi intengo iphezulu futhi u-R2,000 wabo uthenga ucezu oluncane. Bese kuba nokuphahlazeka, njengoba kwenzeka njalo, futhi yona leyo R2,000 ithenga ucezu olukhulu kakhulu ngenani wonke umuntu alibiza ngokuphela kweBitcoin. Lapho ukululama kufika, futhi ngokomlando sekufikile, lezo zinhlamvu zemali ezishibhile ezithengwe ngesikhathi sokwethuka zithwala sonke isikhundla. Isilinganiso sezindleko kuyo yonke le minyaka emine yehlela ngaphansi kweziqongo iklayenti ebeliyozijaha ukube belizama ukukhetha izikhathi zalo ngesandla. Akukho lutho ngalowo mphumela oludinga ukuqonda. Kwakudingeka kuphela ukuthi idebhithi oda iqhubeke isebenza ngesikhathi iklayenti liqhubeka nomsebenzi walo, umndeni walo kanye nezimpelasonto zalo ku-Garden Route.

Manje cabanga ngomuntu ofanayo ozama ukuyibeka isikhathi esikhundleni. Balinda ukucwiliswa, bese belinda isiqinisekiso sokuthi ukucwiliswa kuphelile, bese bethenga eduze kwaphezulu ngenxa yokukhungatheka ngokuphuthelwa umnyakazo. Ngikubuke ncamashi lokhu kwenzeka izikhathi ezingaphezu kwalokho engingazibala. Isiyalo seshejuli engashintshi asibukhazikhazi kodwa sihlula umuntu onovalo ngaso sonke isikhathi.

Kungani iwashi leminyaka emine libalwa

I-Bitcoin isebenza ngohlelo olungaguquki okungekho komiti elingaluhambisa.

Njalo emabhuloki angu-210,000, asebenza cishe njalo eminyakeni emine, umvuzo okhokhelwa abavukuzi ngokukhiqiza ibhulokhi unqunywa phakathi. Lokhu ukwehla, futhi kunciphisa kancane kancane ukunikezwa kwezinhlamvu zemali ezintsha ezingena emakethe. Ngokomlando inani liye lenyuka ezinyangeni eziyishumi nambili kuya kweziyishumi nesishiyagalombili ngemva kokwehliswa kwesigamu ngakunye, bese lilungiswa kanzima, bese lisuselwa futhi liphindaphindwa. Umjikelezo awusona isithembiso futhi angisoze ngawuthengisa njengawodwa, kodwa uyisigqi okufanele sihlonishwe lapho ukhetha umkhathizwe wokubamba.

Nansi ingxenye ehlela kabusha lonke isu. Ikalwa ezinkathini zokubamba ezigcwele zeminyaka emine, i-Bitcoin ngokomlando ayikaze iphele ngaphansi kunaleyo eyaqala ngayo. Hhayi kanye. Lelo rekhodi aliqinisekisi ikusasa futhi umlawuli udinga ngokufanelekile ukuthi ngikukhumbuze ukuthi izimpahla ze-crypto zisengozini enkulu. Kuyakutshela ukuthi isikhathi emakethe senze umsebenzi onzima, hhayi isikhathi semakethe. Uhlelo lwe-DCA lumane luyindlela yokuzithengela kuleso sigqi seminyaka emine ngaphandle kokuqagela ukuthi umi kuphi emjikelezweni. Yingakho futhi ngihlela i-Bitcoin yezingane ngaphezu kwama-horizons amade, engibeke kuwo I-Bitcoin DCA yezingane zakho.

Ngilusebenzisa kanjani uhlelo lwe-DCA lweklayenti

Ukusethwa kufiphele ngamabomu, ngoba buthuntu yilokho okusinda emakethe yebhere. Ikhasimende laseNingizimu Afrika likhetha inani lanyanga zonke, liyixhase nge-debit order noma nge-electronic funds transfer (EFT) lisuka ku-akhawunti esegameni lalo, futhi konke okuthengiwe kusebenzisa i-akhawunti yalo eqanjwe lona esikhundleni sesikhwama semali esihlanganisiwe. Izinhlelo zokonga ziqala ku-R1,000 ngenyanga, okuyindawo yokungena yangempela kunenombolo yokumaketha, futhi akukho nhlawulo uma uqala kancane bese ukhuphula inani kamuva njengoba ukulahlwa kwakho yicala kukhula.

Ukugcinwa kukhula ngesikhundla. Ezinyangeni zokuqala, ngenkathi ibhalansi incane, izinhlamvu zemali zihlala ngaphansi kokuzigcina ngokuqondiswa uma usuwele u-R10,000, lapho ukubamba okhiye bakho kuqala ukuthola umzamo wokusetha. Njengoba isikhundla siba nenjongo i-Vault ithatha izintambo, isakhiwo se-multisig lapho kungekho khiye owodwa ongahambisa i-Bitcoin ngokwawo. Lokho iklayenti elingalokothi likwenze ukushiya ibhalansi ekhulayo ipakwe endaweni yokushintshisana, ilinde inkundla ukuthi yehluleke ngendlela abaningi abaye benza ngayo. Uma ufuna isithombe esigcwele sokuthi isikhundla sokuqala esibucayi sakhiwa futhi sivikeleke kanjani, ngiyangena kuso u-R100,000 wakho wokuqala ku-Bitcoin.

Ingxoxo yangaphakathi ihlanganisa imibuzo emithathu ecacile. Iyiphi imali yanyanga zonke ongayigcina iminyaka ngaphandle kokudinga ukubuyiselwa imali. Isiphi isakhiwo sokugcina esilingana nosayizi owakha kuwo. Futhi yimuphi umkhathi ongazibophezela kukho ngaphambi kokuba irandi lokuqala linyakaze. Thola lokho okuthathu ngendlela efanele futhi uhlelo luziqhuba ngokwalo.

Lokho i-DCA engeke ikulungise

Ngikukweleta imikhawulo ngokucacile njengezinzuzo, ngoba isu elidayisiwe liyisu eliyekwa ngesikhathi esibi kakhulu.

Ukulinganisa izindleko zedola akuguquli i-Bitcoin ibe yimpahla ephephile futhi abususi ubungozi bokulahlekelwa. Uma uqala uhlelo ngemali oyidinga ngempela ezinyangeni eziyishumi nesishiyagalombili, alukho uhlelo oluzokusindisa ekuphoqweni ukuba udayise ube yi-drawdown. Akukuvuzi futhi ngokuyeka. Indlela eyodwa evamile amakhasimende azilimaza ngayo ukungathengi ngesikhathi esingalungile. Imisa isikhashana uhlelo ngesikhathi sokuphahlazeka, khona kanye lapho uhlelo luthenga izinhlamvu zemali ezishibhe kakhulu, ngoba izihloko zezindaba zibaqinisekise ngalesi sikhathi sehlukile. Wonke umjikelezo ukhiqiza lezo zihloko kanye nawo wonke umjikelezo bebenephutha kuze kube manje. Uhlelo oluphazamisayo noma nini lapho uzizwa ungakhululekile akulona uhlelo lwe-DCA. Ibeka isikhathi imakethe ngezinyathelo ezengeziwe.

Inguqulo yakho ebeka i-debit order izolile. Inguqulo okufanele iqhubeke isebenza esikrinini esigcwele okubomvu iyona enquma umphumela, futhi yiyona i-DCA eyakhelwe buthule ukuze ivikeleke.

Isiyalo yisu

Abantu beza kimi belindele uhlelo futhi bahambe ne-debit order. Lokho kubadumaza abanye babo, kafushane, baze baqonde ukuthi i-debit order iwuhlelo. Asikho isignali okufanele uyibuke, ayikho iphethini yeshadi okufanele ibe yingcweti, asikho isikhathi sobuhlakani esidingekayo. Setha inani, liguqule ngokuzenzakalelayo, libambe umkhathizwe futhi uvumele umjikelezo wohhafu kanye nokunikezwa okugxilile kwenze lokho abakwenzile iminyaka eyishumi nanhlanu. Abatshalizimali engibahlonipha kakhulu akubona abanemibono ebukhali ngamanani. Yibo abaqhubeka nokuthenga kwaze kwaba ngu-2022 ngaphandle kokungithumelela i-imeyili kanye, futhi manje asebenesikhundla ababengeke bakwazi ukusibeka isikhathi sokungena kwabo. Uma ungathanda ukuqala ukuthenga i-Bitcoin ngokuqondile ngaphambi kokuthi uzibophezele ohlelweni, ngihlanganisa lowo mzila ungayithenga kanjani i-Bitcoin eNingizimu Afrika.