Muva nje, izindaba eziningi nezimpikiswano zithathe imboni Yezimakethe Zabelana futhi igama elivamile phakathi kwazo zonke lezi zinkulumompikiswano bekuyi-PFOF.
Uma ungazi okwamanje, khona-ke i-PFOF ibilokhu isebenza amashumi eminyaka futhi ubuyingxenye yayo.
Ngakho-ke, ake siqonde ukuthi i-PFOF isho ukuthini ngempela nokuthi kungani amazwe afana neCanada, i-UK, ne-Australia ivimbile imikhuba yayo?
Iyini i-PFOF?
I-PFOF isho Inkokhelo yokugeleza kwe-oda.
Yizinkokhelo ezitholwa amafemu angenakhomishana okuhweba mahhala ngokuletha ama-oda awo kubakhi bemakethe. Lokhu ngokuvamile kwenziwa ukuze kugcinwe umnotho wezimakethe.
Ake sikuqonde lokhu ngokuningiliziwe.
I-PFOF iqala ukusebenza lapho umthengi efaka i-oda esebenzisa noma iyiphi inkampani yamahhala yamahhala. Manje, laba bathengisi bathumela lawa ma-oda kubenzi bemakethe ababizwa ngokuthi abathengisi bezitolo.
Kodwa, ngaphambi kokuthumela lawa ma-oda kubakhi bemakethe, amafemu omthengisi akhokhisa imali encane kakhulu ngokuletha lawa ma-oda kumthengisi. Ngakho-ke, uma ubuzibuza ukuthi lezi zinkampani zabathengisi bekhomishini ye-zero zenza kanjani imali, impendulo ithi PFOF.
Ake siphinde sikuhlahle lokhu bese siwuqonda umqondo wako.
Okulandelayo abadlali abakhulu ababamba iqhaza ngesikhathi sokuhweba ku imakethe yesitoko:
- Umthengi- Umuntu ofuna thenga isitoko kusukela emakethe
- Umthengisi- Umuntu ofuna ukuthengisa isitoko emakethe
- I-Broker- Inkampani ecubungula ama-oda wabatshalizimali bezitolo ngokushesha
- Abakhiqizi Bemakethe- Abathengisi abathengisa ama-oda enqwaba atholwe kubathengi ngengxenye yemizuzwana.
Ngakho-ke, uma ubucabanga ukuthi uthengisa izitoko zakho komunye umuntu, kusho ukuthi unephutha. Ngabakhi beMakethe abathenga noma abadayise ama-oda akho.
Lokhu kusho ukuthi ama-oda afakwe abatshalizimali abadayisayo awabonakali ngisho nasekuhwebeni komphakathi. Eqinisweni, zibulawa ngasese abenzi bemakethe.
Manje, uma abathengisi bethumela ama-oda akho kulaba abenzi bezimakethe, bakhokhisa i-PFOF. Inhloso eyodwa ngemuva kwalokhu ukwenza uhwebo olusheshayo ngevolumu ephezulu ngaphandle kokuphazamiseka.
Isebenza kanjani?
Ake sibheke isibonelo ukuze siqonde ukuthi le PFOF ingena kuphi ngesikhathi sokuhweba nokuthi kungani abantu bebonakala bengayiboni.
Cabanga ukuthi unamasheya angu-200 esitoko esithile ofuna ukusithengisa ezimakethe. Manje, amathuba okuthola umthengi ozimisele ukuthenga amasheya angama-200 ngesikhathi esifanayo aphansi kakhulu.
Nokho, awukaze ubhekane nezinkinga ezinjalo. Yazi kungani?
Lokhu kungenxa yokuthi umdayisi wakho uhlala ethumela lawa ma-oda kubakhi bemakethe, abawathenga kuwe ngokushesha. Laba benzi bezimakethe bakhipha ama-oda anjalo ngengxenye yesekhondi.
Kodwa, inkinga ngale nqubo kungenzeka ukuthi ulahlekelwe.
Kuthiwani uma umenzi wemakethe ethenga amasheya akho futhi ngaphambi kokuwathengisa, intengo yesheya iyehla. Lokhu kuzodala ukulahlekelwa okukhulu kubathengisi bezitolo. Ukuze kunxeshezelwe lokhu kulahlekelwa kanye nobungozi obuhilelekile, abatshalizimali bezitolo bakhokhiswa imali encane kakhulu eyaziwa ngokuthi ukusabalala kokucela ibhidi.
Ukusabalala kumane kuwumehluko kumanani entengo yalokho umthengi akukhokhayo ukuze athenge isitoko nalokho umthengisi akutholayo ukuze adayise isitoko esifanayo. Lo mehluko ngokuvamile uphansi kakhulu.
Kungani I-PFOF Itholakala Ezindabeni?
Muva nje, lapho i-SEC(I-Securities and Exchange Commission) inquma ukuhlola ukusebenza kwabathengi nabenzi bemakethe, ithole ukuthi kukhona okungahambi kahle ezimakethe.
I-PFOF esetshenziselwa ukugcina ukutholakala kwezimali ezimakethe kanye nokuqaliswa ngokushesha kohwebo ngabatshalizimali bezitolo isetshenziselwa ukuhlomula umthengisi.
Ikhomishana ithe kungenzeka kube khona ukuthi amafemu okuhweba adlulisele ama-oda wabasebenzisi bazo kubenzi bemakethe abangabakhokhela i-PFOF eningi kunokuba bakhethe umenzi wemakethe ongcono kakhulu wabatshalizimali abadayisayo.
Kukhona nesiqiniseko sokuthi abathengisi bakhuthaza abasebenzisi ukuthi bahwebe kaningi ngamavolumu njengoba kuzobasiza ngokuqondile ukuthi bakhiqize amakhomishini amaningi nge-PFOF engabasizi ngalutho abasebenzisi.
Izinzuzo ze-PFOF
Akufani ne-PFOF elimaza abatshalizimali kuphela noma izintshisekelo zabo, kodwa kukhona nezinzuzo zokuyisebenzisa ezimakethe zamasheya.
Okokuqala, igcina i-liquidity yezimakethe. Abathengi abancane abangenawo amandla okuphatha ama-oda enqwaba bangadlulisela lawa ma-oda kubakhi bemakethe. Ngalokhu, abagcini nje ngokwenza inzuzo ethile kodwa futhi basusa ukubambezeleka kokuthengiselana.
Ngokukhokhisa i-PFOF eyengeziwe, abathengisi kufanele banikeze imiklomelo efike ngesikhathi noma amanani ehlisiwe ukuze babhekane nokuncintisana okukhulu ezimakethe. Lokhu kunikeze abatshalizimali amanani athuthukisiwe ngezikhathi ezithile.
Ngokukhula kwe-Liquidity ngenxa yokwenziwa ngokushesha kohwebo, ukusabalala kwebhidi nakho kuyehla futhi ekugcineni kuzuzise abatshalizimali ekutholeni amasheya abo ngamanani angcono.
Ukugxekwa
IRobinhood, inkampani yabathengisi edumile e-US, ibikhiqiza cishe izigidi ezingama- $ 69 ngo-2019, kepha amanani akhuphuke afinyelela ku- $ 687 wezigidi ngonyaka ka-2020 ngePFOF. Lokhu kukhombisa ngokusobala ukuthi amafemu amabrokerage enze imali engaka ngalo mkhuba.
Yize inezinzuzo ezimbalwa, i-PFOF ibilokhu ingaphansi kwe-radar yezingxabano. Amafemu amaningi okuthengisa ahlinzeka ngokuhweba kwe-zero-commission ngokuvamile ahambisa ama-oda wabasebenzisi bazo kubenzi bemakethe, obekungeyona inzuzo yabatshalizimali.
Ikakhulukazi ekuhwebeni kwezinketho lapho ukusabalala kungaphezu kokulingana okuvamile noma ukuhweba ngamabala, amafemu omthengisi abekhokhisa izinga eliphezulu le-PFOF. Abatshalizimali abaningi baze babike ukuthi ukuhweba kwabo kwamahhala kubalahlekisele amasenti njengoba bengakwazi ukuthola isilinganiso esingcono kakhulu ngesikhathi kukhishwa i-oda labo.
Ngemuva kokuhlaziya konke ukusebenza kwe-PFOF kanye nezingxabano ezithinta lolu daba, kulungile ukusho ukuthi amafemu omthengisi asebenzise kabi lesi sici. Ukuqala ngomgomo wokugcina imali kanye nokonga isikhathi sabatshalizimali, i-PFOF isiphenduke imayini yegolide yamafemu amaningi okuhweba.
Uma sikhuluma ngabatshalizimali abangasebenzi noma abahwebi abangajwayele ukuhwebelana emakethe, kungenzeka ukuthi abathinteki kakhulu yi-PFOF. Kodwa-ke, abathengisi abavamile abatshala imali ngevolumu nangenani elikhulu kumele baqaphe ngokucophelela ukuhweba kwabo kanye nezimali ze-PFOF ezihilelekile ekuthengiseni. Kufanele futhi babone umzila wezohwebo zabo nokuthi yimuphi umenzi wemakethe ocubungula ama-oda abo.
Njengoba i-SEC iletha izinkathazo nemibuzo ehlukahlukene kulaba badayisi, kuzojabulisa ukubona ukuthi i-US izoqhubeka nokusebenzisa i-PFOF ezimakethe zamasheya noma iyivimbele njenge-Australia, Canada, ne-UK.
shiya impendulo