Iiakhawunti zedemo ziluphawu oluluncedo kakhulu kwizicelo zokurhweba kwi-Intanethi kubo bobabini abatsha nabanamava. Ezi akhawunti zibonelela ngendawo yokulinganisa urhwebo apho abasebenzisi banokufunda imarike, basebenzise iqonga lokurhweba, kwaye bafumane ukuzithemba ngaphandle kokutyala imali yokwenyani. Nokuba umtsha ekurhwebeni okanye ufuna ukonyusa izakhono zakho, iakhawunti yedemo yindlela engenamngcipheko yokufunda kwihlabathi eliguqukayo lorhwebo lwe-Intanethi.
Kwabo banomdla kwiimpahla ezifana ze golide, iiakhawunti zedemo ziluncedo kakhulu. Banceda umsebenzisi ukuba azame izicwangciso ezahlukeneyo kwaye enze uhlalutyo lwemarike ngaphandle kokuvula urhwebo oluphilayo. Igolide, njengempahla ethengiswayo, ngokuqhelekileyo ithathwa njenge-asethi ekhuselekileyo ngexesha lokungaqiniseki kwezoqoqosho kwaye ngaloo ndlela inceda abarhwebi ukuba baqonde ukuziphatha kweemarike, ukunyakaza kwamaxabiso kunye nokuguquguquka ngaphandle kokubeka umngcipheko kwimali yokwenene.
Iiakhawunti zedemo zinika abasebenzisi iimeko zemarike yexesha langempela kunye nemali ebonakalayo yokurhweba nayo. Oku kwenza ukuba abasebenzisi babe namava okurhweba okuphilayo, kunye namaxabiso okwenene emarike, iitshathi, kunye nezixhobo zokuhlalutya zobugcisa ezikhoyo. Enye yeenzuzo ezinkulu ze-akhawunti yedemo kukuba umthengisi unokufunda malunga nezicwangciso ezahlukeneyo kunye neendlela zokurhweba ngaphandle kokwesaba ukulahlekelwa yimali. Yinkqubo yokufunda kwiseshoni yedemo kwaye iimpazamo ezenziwe apho azibizi kakhulu njengoko beziya kuba kwimeko yokwenyani.
I-HFM ye-brokerage firm ibonelela ngee-akhawunti zedemo ezifanelekileyo kuzo zonke iindidi zabarhwebi ngokusekelwe kwinqanaba lamava abo. Ezi akhawunti ziyilwe ngojongano olulula lomsebenzisi kunye nezixhobo ezinamandla ezinika umsebenzisi ukuziva ngokwenene kwimarike. I-HFM yenza kube lula kumsebenzisi ukuba arhwebe ngendlela efana neyona marike ukuze afumane amava ayimfuneko kunye nokuzithemba ukurhweba kwiakhawunti yokwenyani.
Inzuzo ephambili yeeakhawunti zedemo kukukwazi ukuqhelana neempawu kunye nemisebenzi yeqonga lokurhweba. Onke amaqonga ahlukile kwaye anezixhobo zawo, iiplani kunye neendlela zokusebenza. Ukusebenzisa i-akhawunti yedemo kunceda umthengisi afunde indlela yokubeka ii-odolo, ukuhlalutya iitshathi, kunye nokusebenzisa izixhobo zokurhweba ngokufanelekileyo. Oku kungenxa yokuba amathuba okwenza iimpazamo xa utshintshela kwi-akhawunti ephilayo ayancitshiswa.
Iiakhawunti zedemo linyathelo eliluncedo kubaqalayo ukufunda malunga nehlabathi lokuthengisa kwi-intanethi. Ukurhweba lishishini elinengeniso kwaye, njengoko besithi, 'ukuba awufaki mngcipheko, awuseli'. Ngaphandle kokulungiswa okufanelekileyo, umntu unokulahlekelwa yimali eninzi. Iiakhawunti zedemo zinika abantu abatsha indawo yokufunda malunga nemarike, imilinganiselo yomngcipheko, kunye nezinto zengqondo eziphembelela ukurhweba ngaphandle kokukhathazeka ngemali. Oku kubaluleke kakhulu njengoko bekwazi ukuqonda ezi ngcamango kwasekuqaleni ukuze bakwazi ukuba ngabarhwebi abaphumelelayo.
Abarhwebi abaziingcali banokusebenzisa iiakhawunti zedemo. Kubo, ezo akhawunti zisetyenziselwa ukuphumeza izicwangciso ezintsha okanye ukurhweba kumacandelo amatsha. Ngokomzekelo, umthengisi we-stock angasebenzisa i-akhawunti ye-demo ukuze afunde malunga ne-forex okanye ukuthengiswa kwempahla. Ngale ndlela, banokufunda indlela yokusebenzisa izakhono zabo kwezinye iimarike kwaye bahlukanise imisebenzi yabo yokurhweba.
Kubalulekile ukuqaphela ukuba kukho izinto ezingeloncedo kwiiakhawunti zedemo. Ukungabikho komngcipheko wemali wangempela kunokukhokelela ekubeni abarhwebi banokwenza izigqibo ezinobungozi kunokuba bebeya kwenza urhwebo lokwenene. Oku kunokudala imvakalelo yobuxoki yokhuseleko kuba, ngokungafaniyo nehlabathi lokwenyani, iimvakalelo ezinjengoloyiko nokubawa azivakala lula kwiakhawunti yedemo. Ngoko ke, kuyacetyiswa ukuba ukuziphatha kwangempela kokurhweba ukuba umthengisi uzimisele ukuxelisa kwimarike ephilayo kufuneka iphindwe ngokusondeleyo xa usebenzisa i-akhawunti yedemo.
Omnye umda kukuba idemo kunye neeakhawunti ezibukhoma azinakuhlala zifana xa zisenziwa. Kwintengiso yokwenyani, izinto ezinje ngokutyibilika kunye nobunzulu bemarike zinokuchaphazela ukuzaliswa korhwebo. Nangona ii-akhawunti zedemo zinika indawo yokuthengisa ngexesha langempela, ezinye zezi mpawu zinokuthi zingabanjwa ngokupheleleyo, ngoko ke imfuneko yokutshintsha kunye nenqanaba elithile lokuqonda ukuhluka okunokwenzeka.
Ezi akhawunti zikwaluncedo kwinkqubo yokulawula umngcipheko. Besebenzisa iakhawunti yedemo, abarhwebi banokufunda malunga nobungakanani bezikhundla, iiodolo zelahleko yokuyeka, kunye nempembelelo kunye nendlela abazichaphazela ngayo iziphumo zabo zorhwebo. Ukuphuhliswa kwezicwangciso zokulawula umngcipheko kwi-akhawunti yedemo kuthetha ukuba abahwebi banokuthi balungiselele kakuhle imeko yokuthengisa yangempela.
Ukuqukumbela, iiakhawunti zedemo ezifumaneka kwii -apps zokurhweba ziyi-asethi exabisekileyo kubathengisi bazo zonke iintlobo. Ibonelela ngomngcipheko osimahla kunye nokulawulwa kwendawo yentengiso ukuvavanya amaqhinga, ukujonga indlela yokuziphatha kweemarike kwaye uqhelane neqonga. Abanye abathengisi bade baphucule la mava ngokubonelela ngeeakhawunti ezilungileyo zedemo ezinokuphinda iimeko zentengiso ephilayo. Ukuba umtsha kwintengiso yegolide okanye ufuna ukuzama isandla sakho ekuthengiseni ezinye iimveliso zemali, i-akhawunti yedemo iya kukunceda ufumane ukuzithemba kwaye uphucule izakhono zakho ngaphambi kokuba uqale ukurhweba ngemali yangempela.
