Ama-akhawunti edemo ayisici esiwusizo kakhulu sezinhlelo zokusebenza zokuhweba eziku-inthanethi zabo bobabili abadayisi abasha nabanolwazi. Lawa ma-akhawunti anikezela ngendawo yokulingisa yokuhweba lapho abasebenzisi bangafunda khona imakethe, basebenzise inkundla yokuhweba, futhi bathole ukuzethemba ngaphandle kokutshala imali yangempela. Noma ngabe umusha ekuhwebeni noma ufuna ukuthuthukisa amakhono akho, i-akhawunti yedemo iyindlela engenabungozi yokufunda emhlabeni oguquguqukayo wokuhweba nge-inthanethi.
Kulabo abathanda impahla efana ukuhweba kwegolide, ama-akhawunti edemo awusizo ngokukhethekile. Zisiza umsebenzisi ukuthi azame amasu ahlukene futhi enze ukuhlaziya imakethe ngaphandle kokuthi empeleni avule uhwebo olubukhoma. Igolide, njengempahla, ngokuvamile libhekwa njengempahla ephephile ngesikhathi sokungaqiniseki kwezomnotho futhi ngaleyo ndlela lisiza abahwebi ukuthi baqonde ukuziphatha kwemakethe, ukunyakaza kwamanani nokuntengantenga ngaphandle kokufaka imali yangempela engozini.
Ama-akhawunti edemo anikeza abasebenzisi izimo zemakethe zesikhathi sangempela kanye nemali ebonakalayo ukuze bahwebe ngayo. Lokhu kwenza ukuthi abasebenzisi bakwazi ukuhweba bukhoma, ngamanani emakethe angempela, amashadi, namathuluzi okuhlaziya obuchwepheshe atholakalayo. Enye yezinzuzo ezinkulu ze-akhawunti yedemo ukuthi umhwebi angafunda ngamasu ahlukene nezindlela zokuhweba ngaphandle kokwesaba ukulahlekelwa imali. Kuyinqubo yokufunda kuseshini yedemo futhi amaphutha enziwe lapho awabizi ngendlela abengaba ngayo esimweni sempilo yangempela.
I-HFM Brokerage firm inikeza ama-akhawunti edemo afanele zonke izigaba zabadayisi ngokusekelwe ezingeni labo lesipiliyoni. Lawa ma-akhawunti adizayinelwe ngesixhumi esibonakalayo esilula namathuluzi anamandla anikeza umsebenzisi umuzwa wangempela wemakethe. I-HFM yenza kube lula kumsebenzisi ukuthi ahwebe ngendlela efana nemakethe yangempela ukuze athole ulwazi oludingekayo nokuqiniseka ukuze ahwebe nge-akhawunti yangempela.
Inzuzo enkulu yama-akhawunti edemo yikhono lokujwayelana nezici nemisebenzi yesikhulumi sokuhweba. Wonke amapulatifomu ahlukile futhi anamathuluzi awo, izakhiwo nezindlela zokusebenza. Ukusebenzisa i-akhawunti yedemo kusiza umhwebi ukuthi afunde ukubeka ama-oda, ukuhlaziya amashadi, nokusebenzisa amathuluzi okuhweba ngempumelelo. Lokhu kungenxa yokuthi amathuba okwenza amaphutha uma ushintshela ku-akhawunti ebukhoma ancishisiwe.
Ama-akhawunti edemo ayisinyathelo esiwusizo sabaqalayo ukufunda ngezwe lokuhweba nge-inthanethi. Ukuhweba kuyibhizinisi elinenzuzo futhi, njengoba besho, 'uma ungazifaki engozini, awuphuzi'. Ngaphandle kokulungiselela okufanele, umuntu angalahlekelwa yimali eningi. Ama-akhawunti edemo anikeza abasanda kuhlanganyela indawo yokufunda mayelana nemakethe, izinyathelo zobungozi, nezici zengqondo ezithonya ukuhweba ngaphandle kokukhathazeka ngemali. Lokhu kubaluleke kakhulu njengoba bekwazi ukubamba le mibono kusenesikhathi ukuze bakwazi ukuba abahwebi abaphumelelayo.
Abathengisi abangochwepheshe bangasebenzisa nama-akhawunti edemo. Kubo, ama-akhawunti anjalo asetshenziselwa ukusebenzisa amasu amasha noma ukuhweba emikhakheni emisha. Isibonelo, umthengisi wamasheya angasebenzisa i-akhawunti yedemo ukuze afunde nge-forex noma ukuhweba kwezimpahla. Ngale ndlela, bangafunda ukusebenzisa amakhono abo kwezinye izimakethe futhi bahlukanise imisebenzi yabo yokuhweba.
Kubalulekile ukuqaphela ukuthi kukhona ukungalungi kwama-akhawunti edemo. Ukungabikho kwengozi yangempela yezimali kungase kuholele ekutheni abahwebi bangenza izinqumo eziyingozi kakhulu kunokuba bebengenza ekuhwebeni kwangempela. Lokhu kungadala umuzwa wokuvikeleka okungamanga ngoba, ngokungafani nomhlaba wangempela, imizwa efana nokwesaba nokuhaha ayizwakali kalula ku-akhawunti yedemo. Ngakho-ke, kuyatuseka ukuthi ukuziphatha kwangempela kokuhweba umthengisi ahlose ukukulingisa emakethe ebukhoma kufanele kuphindaphindwe ngokuseduze ngangokunokwenzeka lapho usebenzisa i-akhawunti yedemo.
Omunye umkhawulo ukuthi ama-akhawunti edemo nama-akhawunti abukhoma angase angahlali efana ekusetshenzisweni. Ekuhwebeni kwangempela, izici ezifana nokushelela nokujula kwemakethe kungaba nomthelela ekugcwalisweni kohwebo. Nakuba ama-akhawunti edemo enikeza indawo yokuhweba yesikhathi sangempela, ezinye zalezi zici zingase zingathwetshulwa ngokugcwele, ngaleyo ndlela isidingo sokushintsha ngezinga elithile lokuqonda kokuhlukahluka okungenzeka.
Lawa ma-akhawunti awusizo futhi kunqubo yokulawula ubungozi. Besebenzisa i-akhawunti yedemo, abadayisi bangafunda mayelana nokukalwa kwezikhundla, ama-oda okulahlekelwa kokuyeka, kanye nokuthola amandla kanye nendlela abayithinta ngayo imiphumela yabo yokuhweba. Ukuthuthukiswa kwamasu okulawula ubungozi ku-akhawunti yedemo kusho ukuthi abadayisi bangase balungiselele kahle isimo sangempela sokuhweba.
Sengiphetha, ama-akhawunti edemo atholakala ezinhlelweni zokusebenza zokuhweba ayimpahla ebalulekile yabahwebi bazo zonke izinhlobo. Ihlinzeka ngendawo yemakethe engenabungozi nelawulwayo ukuze uhlole amasu, ubuke ukuziphatha kwemakethe futhi ujwayelane nenkundla. Abanye abathengisi baze bathuthukise lokhu okwenziwayo ngokunikeza ama-akhawunti edemo amahle angaphinda izimo zemakethe ezibukhoma. Uma umusha ekuhwebeni kwegolide noma ufuna ukuzama isandla sakho ekuhwebeni eminye imikhiqizo yezezimali, i-akhawunti yedemo izokusiza uthole ukuzethemba futhi uthuthukise amakhono akho ngaphambi kokuba uqale ukuhweba ngemali yangempela.
