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Alles over contract for difference

Als je al een tijdje belegt of net begonnen bent met beleggen heb je het begrip “contract for difference” (ook wel CFD genoemd) mogelijk al gehoord. Contract for differences zijn erg populair onder beleggers, omdat er enorme winsten behaald kunnen worden. Toch zijn er ook enorme risico’s, zeker als men gebruikmaakt van de hefboom optie. Met dit artikel leggen we uit wat contracts for difference betekenen en doen, waar je zoal in kunt investeren, hoe je erin handelt en wat de voordelen en nadelen zijn. Als je dan kennis hebt van voordelen, nadelen en verdere inhoud kun je bepalen of contracts for differences bij je passen.

Wat is een contract for difference?

Een contract for difference is een afspraak tussen twee partijen, de broker en de belegger over het verschil in koers van een investeringsinstrument. Dat kan om allerlei beleggingsinstrumenten gaan, zoals aandelen, grondstoffen, valuta en zelfs een complete index, zoals de AEX of NASDAQ. Je maakt een afspraak over een verschil in prijs en wacht tot de prijs de hoogte in gaat of naar beneden gaat. Zodra de koers is veranderd kun je ertoe overgaan je contract te sluiten en hopelijk je winst incasseren. Het kan ook andersom. In dat geval verdient je broker geld aan jou omdat je verwachting niet is uitgekomen. Als je een hefboom gebruikt kun je nog meer investeren en winnen, want bij een hefboom van (bijvoorbeeld) 1:10, hoef je per 10 euro investering omdat ze ergens aandelen in hebben zitten.

Voordelen

De handel in contracts for differences (CFD’s) is al vele jaren erg populair onder beleggers doordat er heel veel voordelen zijn. Voordat CFD-trading werd geïntroduceerd was het nog niet mogelijk om in te spelen op koersdalingen. Nu kan dat dankzij CFD’s wel en juist dat biedt weer heel veel nieuwe mogelijkheden voor beleggers. Een ander voordeel is dat je geen transactiekosten kwijt bent. Daarnaast kun je 7 dagen in de week, 24 uur per dag handelen in CFD’s en ben je niet gebonden aan de openingstijden van de beurs. Iemand die weet wat hij of zij doet kan aanzienlijke winsten boeken door deze contracten te kopen en verkopen. De hefboomwerking speelt daarbij een zeer grote rol.

Nadelen aan contract for difference

Duidelijk veel voordelen, maar vooral de nadelen maken het dat de handel in contracten (CFD’s) zeer risicovol is. De betekenis van een hefboom wordt niet altijd juist ingeschat en alleen de voordelen lijken gezien te worden. Want hoewel je enorme winsten kunt maken, zijn de verliezen die je kunt boeken even zo groot. Al is het zo dat je maar een minimaal deel hoeft te betalen aan het begin, bij uiteindelijk verlies moet je het hele verschil aan de broker betalen. Het is dan ook erg belangrijk om je goed te verdiepen en in te lezen en nooit zomaar in contracts for differences te gaan starten. De ervaring is helaas dat veel jonge beleggers te snel instappen in CFD’s en een groot deel van hun vermogen zonder onderbouwing investeren.

Conclusie

Sinds de komst van CFD’s is het mogelijk om geld te zetten op dalende cijfers op de beurs en via die weg geld over te houden. In je contract for difference spreek je met je broker af dat jullie inzetten op het prijsverschil voor en na (een deel) de inleg. Via een hefboom kun je veel geld verdienen. Bij een hefboom van 1:50 hoef je per 50 euro zelf maar 1 euro in te leggen en toch mag je de winst houden. Stel dat je bijvoorbeeld voor 100 euro aan grondstof aankocht en dat tegen 10% winst weer verkocht, dan pak je 5 euro op dat aandeel, terwijl je er zelf maar 1 euro in gestopt hebt. Dat is een enorme winst met 400%! Maar let wel: het werkt ook omgekeerd en op die manier kan een hefboom tot ontzettend veel verlies leiden.
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