Qeexid: Waa Maxay “DCA”?

“DCA” oo laga soo gaabiyo “Dollar Cost Averaging“, oo ah “Iibka Tartiibsan“, ayaa ah xeelad maalgashi oo badanka loo adeegsado meelo badan, sida maalgashiga saamiyadaha, crypto-da, ETFs-yada, iyo si guud hantida noocyadeeda kala duwan.

Waana in si tartiib tartiib ah, oo joogto ah, lacag go’an loogu maalgashado hantidii.

DCA-gu waa dhaqan dhaqaale oo ay maalgashadayaashu adeegsadaan, si ay u yareeyaaan khasaaraha ka dhalan kara maalgashigooda, iyagoo si qunyar-qunyar ah hantidii u maalgashanaya.

DCA-ga ayaa ujeedadiisa ugu wayni tahay, in la helo qiimo celcelis ah, oo ah lafaha maalgashiga, iyadoo si tartiib tartiiib ah loo iibsanayo hantidii.

Tusaale:

• Bitcoin oo qiimaheedu marayso $50 ayaad ka iibsatay 2 xabbo, adigoo bixiyay lacag dhan $100.
• Mar kale, Bitcoin oo qiimaheedu marayso $25 ayaad ka iibsatay 4 xabbo, adigoo bixiyay lacag dhan $100.
• Hadana mar kale, Bitcoin oo qiimaheedu marayso $10 ayaad ka iibsatay 10 xabbo, adigoo bixiyay lacag dhan $100.
• Hadana mar kale, Bitcoin oo qiimaheedu marayso $100 ayaad ka iibsatay 1 xabbo, adigoo bixiyay lacag dhan $100.

Haatan maalgashigaaga guud waa $400, waxaadna haysataa 17 xabbo oo Bitcoin, taas oo micnaheedu yahay in halkii xabbo qiimo ahaan uu adiga kugu fadhiyo $23.53, adigoo $400 u qaybinaya 17-ka xabbo ($400 ÷  17 = $23.52…….).

Hadii aad $400 mar qudha ku wada iibsan lahayd Bitcoin, oo markaa halkii xabbo qiimo ahaan maraysay $100, waxaad kaliya heli lahayd 4 xabbo oo Bitcoin.

Hasa yeeshee iibkan tartiibsan ama DCA-ga ayaa kuu suuragaliyay inaad hesho 17 xabbo oo Bitcoin, oo halkii xabbo qiimo ahaan kugu fadhiya $23.53, bedelkii aad heli lahayd 4 xabbo, oo halkii xabbo qiimo ahaan kugu fadhin lahaa $100.

Sidoo kale, DCA-ga ayaa kuu noqon kara kaabid aad kaabayso hantidii hoos-u-dhaca ku timid, adigoo hadana mar kale qiimo hoose ku iibsanaya.

Tusaale, Bitcoin ayaa 10 bilood ka hor iibsatay, iyadoo markaa maraysay $50,000, haatanna waxay maraysaa $30,000, sidaasi adigu waxaa tahay qof khasaare ku jira, si aad uga kabsato khasaarahaas waxaad samaynaysaa DCA, oo ah kaabid.

In aad kaabto maalgashigaagii khasaaraha ku jiray, adigoo hadana mar kale qiimo hoose ku iibsanaya Bitcoin-tii, sidaasina aad ku helayso qiimo cusub, oo ah celcelis lafahaaga guud ee maalgashi.

DCA-ga ayaa ah inaad iibsato hantidii, adigoonan u eegayn qiimaha uu wakhti xaadirkaa marayo, maadaama aad la kulmi karto mar ay hantidii hoos-u-dhac ku jirto, iyo mar ay kor-u-kac ku jirtaba.