UJiří Filip Umlayezo wezentengiso: Ake ucabange ukwazi ukuthenga isitoko noma isikhwama esihwebelana ngokuhwebelana (ETF) esibiza u-€2, nakuba ungenayo imali eyanele okwamanje.
Isib. nge-XTB manje kungenzeka ngiyabonga Amasheya angama-fractional. Lokhu kukuvumela ukuthi uthenge isitoko sakho osithandayo noma i-ETF ngezingxenye uma ungeke ukwazi ukusithenga ngokugcwele. Kulula kakhulu, ngakho-ke ungathenga amasheya amaningi ngemali encane futhi ugcwalise iphothifoliyo yakho yokutshala imali ngejubane lakho.
Uma ufuna ukwazi konke izici nezinzuzo ze-Fractional Shares, ongayisebenzisa lapho utshala imali, qhubeka ufunda isihloko sethu.
Asebenza kanjani ama-Fractional Shares?
Emasekhondini angama-70 sizochaza konke odinga ukukwazi mayelana namasheya angama-fractional. Ividiyo ye-YouTube: Imanuwali Yezenzo Eziyingxenye.
Ungatshala kanjani esitokisini usebenzisa izingxenyana?
Ukuthenga amasheya kanye nama-ETF usebenzisa izingxenyana kulula njengokuthengwa kwesitoko sakudala, kodwa ngenzuzo yokuthi ungakwazi ukulungisa usayizi we-oda ngokwemali oyitshalile, hhayi ngokwenani lamasheya. Vele ufake inani ngama-euro (noma olunye uhlobo lwemali olisebenzisayo) ofuna ukulitshala "efasiteleni le-oda" futhi inani lamasheya ku-oda lizolungiswa ngokuzenzakalelayo. Ungakwazi futhi ukuthenga izingxenyana zesitoko noma ama-ETF ngokwenza inombolo yamasheya ngendlela oyifisayo (isb. 0,03 SXR8, i-ETF elandelela inkomba ye-S&P 500) efasiteleni le-oda njengokungathi angamasheya aphelele.
Yiziphi izinzuzo zamasheya angama-fractional?
Iqiniso lokuthi ungatshala esitokweni usebenzisa izingxenyana lenza imali yakho ku-XTB isebenze kahle ngokwandisa umthamo wakho wokuhlukahluka. Isibonelo, uma besifuna ukutshala u-€50 njalo ngenyanga enkampanini efana ne-Microsoft, ehweba ngo-$308, bekuzodingeka silinde cishe izinyanga eziyisithupha ngaphambi kokuba sithenge isabelo. Manje, ngosizo lwama-Fractional Shares, ungenza lokhu kutshalwa kwezimali namuhla kanye nenani elizohambisana nezidingo zakho. Njengebhonasi, ungathola izabelo ezikhokhelwayo noma ngabe ungumnikazi wengxenye yesitoko.
Isibonelo: Kungasibiza malini ukutshala kuphothifoliyo ebhalansi yezinkampani zobuchwepheshe zase-US?
Ake sicabange ukuthi sifuna ukuhlukanisa iphothifoliyo ngokuthenga izinkampani ezinkulu zobuchwepheshe zaseMelika ezine, futhi sitshala u-€10 ngenyanga ngayinye yazo.
Ungaba yini umehluko ekutshalweni kwezimali kwanyanga zonke ngaphandle Kwamasheya Engxenyeni uma kuqhathaniswa ne-Fractional Shares, singabona kuthebula elingezansi:
Ngokusebenzisa i-Fractional Actions, sikwazile uku ukunciphisa imali encane okudingekayo ukuze ukwazi ukutshala imali ngendlela elinganiselayo ezinkampanini ezine ezinkulu zobuchwepheshe zase-US, a kwe ngo-95% ophelele
Azisekho izaba zokuthi kungani ungakwazi ukutshala imali esitokweni sakho esiyintandokazi nyanga zonke!
Uyini umehluko phakathi kwamasheya, ama-Fractional Shares nama-CFD?
Zitholele wonke umehluko phakathi kwale mikhiqizo kuthebula lesifinyezo elilandelayo:
Izabelo ze-XTB ze-Fractional Shares kanye ne-Fractional ETFs zihluke kanjani kwezinye izimbangi?
Kulula kakhulu. Okokuqala, Amasheya Engxenye kanye nama-ETF Engxenyeni kwa-XTB akukona okuphuma kokunye, kumane kuyindlela entsha yokuthenga izitoko zakho ozithandayo noma ama-ETF, lapho inani leziqu onazo lingenandaba kangako, kodwa kunendaba imali ofuna ukuyitshala.
Kusukela ngesikhathi uthenga ingxenye yesitoko, futhi unelungelo lezinzuzo ekhokhelwa inkampani, okungukuthi ngokulingana nefrakhishini onayo. Isibonelo, uma uthenga amasheya angu-0,25 we-AENA, ekhokha izinzuzo ze-€2, uzothola u-€0,50 (€0,25 x €2 = €0,50).
Ngaphezu kwalokho, uma ngemva kokufingqa amasheya angamafraction ufinyelela inani eliphelele lesheya elilodwa, I-XTB ihlanganisa lezi zingxenyana ngokuzenzakalelayo futhi phakathi namahora angu-48 uzokunikeza isabelo esiphelele, azosifaka ku-akhawunti yakho, kuyilapho ngaleso sikhathi uyothola wonke amalungelo umninimasheya anawo.
Yimaphi amasheya engingawathenga manje kusuka ku-€10?
Kukhona amasheya angaphezu kuka-800 kanye nama-ETF angaphezu kuka-125 atholakalayo ukuze athengwe ngamafrakshini, futhi amanye anezelwa kancane kancane.
Izibonelo zama-ETF atholakalayo:
iShares NASDAQ 100 —- €730
iShares Core S&P 500 — €404
iShares USD Treasury Bond 7-10yr — €165
iShares Core EURO STOXX 50 — €156
iShares Core DAX — €136
Ungabona uhlu olugcwele lwezitoko nama-ETF ongazithenga ngamafrakshini lapha: Ithebula lokucaciswa kwezinsimbi
Kubiza malini ukutshala imali kuma-Fractional Shares kanye nama-Fractional ETF?
Amasheya ama-fractional, ayindlela entsha yokuthenga amasheya, nawo afakiwe esilinganisweni esingu-0%, esikuvumela ukuthi utshale imali efika ku-€100 enani elincane njalo ngenyanga kumasheya amafractional kanye nama-ETF angamafraction ngaphandle kwekhomishini ekhokhayo.
