Mummunan lokaci don saka hannun jari a cikin shekaru masu zuwa sakamakon yiwuwar sabon matsin tattalin arziki da ya mamaye al'amuran duniya. Ta wannan hanyar, duk kadarorin kuɗi suna faɗuwa a matsayin gargaɗin wannan sabon yanayin. Tare da keɓaɓɓun maɗaukaki na ƙarfe masu mahimmanci da musamman zinariya, wanda ke godiya da wannan shekara ta kawai sama da 50%. Dawowar da ba shakka mafi yawan ƙanana da matsakaitan masu saka jari zasu yarda.
A cikin kowane hali, babban matsalar ƙarfen rawaya shine gano inda za'a iya buɗe samfuran samfuran kuɗi. Saboda a zahiri, ba abu ne mai sauƙi ba don amfani da wannan dabarar a cikin saka hannun jari tunda bai yi daidai da saye da sayarwar hannun jari a kasuwar hannun jari ba. Yana buƙatar wasu nau'ikan ayyukan da ba su da wadatar kowane sa hannun jari. Idan ba haka ba, akasin haka, zuwa ingantaccen bayanin martaba wanda ya fara daga al'adun kuɗi sama da na sauran. Kodayake asali asalinsa ɗaya ne kuma wannan ba wani bane face ƙoƙarin samun fa'idar wadatar hannun jari tare da yawancin nasara.
A kowane hali, wani zaɓi ne wanda zai iya samun fa'ida sosai ga buƙatun saka hannun jari a wasu lokuta mafi girman rashin kwanciyar hankali a kasuwannin daidaito. Daga cikin wasu dalilai, saboda karfan zinare kadara ce ta kudi wacce ba ta rasa kimarta a cikin dogon lokaci. Idan ba haka ba, akasin haka, ana sake kimanta shi tsawon shekaru kuma a wasu lamura ta hanya mai mahimmancin gaske. Zuwa ga cimma nasarar da ba za a iya cimmawa ba ta hanyar saka hannun jari na al'ada ko na al'ada. Fiye da wasu jerin abubuwan la'akari na yanayin fasaha ko kuma ta mahangar tushen sa.
Zinariya darajar mafaka daidai da kyau
Ofaya daga cikin fa'idodin da samfura bisa ga wannan ƙarfe mai daraja ke ba mu shine cewa zamu iya zaɓar daban-daban model a cikin management. Zuwa ga cewa zaku iya zaɓar tsakanin sandunan zinare daban-daban ko kai tsaye saye da siyar hannun jari a cikin kamfanonin hakar ma'adinai. Ba abin mamaki bane, rarraba abubuwa yana ɗaya daga cikin manyan halayen sa kuma menene ya banbanta shi da sauran mahimman kadarorin kuɗi. Duk da yake a ɗaya hannun, ita ce mafaka mai aminci inda ake tafiyar da manyan kuɗaɗe zuwa mafi munanan lokuta don kasuwannin daidaito.
A gefe guda, ana ɗaukar ƙarfen rawaya koyaushe a matsayin cikakken kadarar kuɗi. don yaƙi hauhawar farashin kaya. Zai iya zama mafi kyawun girke-girke don fuskantar tsadar rayuwa kuma a cikin kowane hali sama da sauran sanannun kadarorin kuɗi na layin farko. Wannan haka lamarin yake tsawon shekaru kuma a wannan ma'anar rawar da take takawa bata canza ba ko kadan. Ba abin mamaki bane, yana amsa yanayi iri ɗaya kamar na da kuma yana iya zama zaɓin saka hannun jari na fewan shekaru masu zuwa idan halin da ake ciki a kasuwannin hannayen jari na ƙasa da ƙasa ya tabbatar da karkatarsa ta ƙasa. Tare da raguwar manyan alamomin hannun jari bayan hawan da aka yi tun daga shekarar 2013.
Yadda za a saka hannun jari a cikin ƙarfe mai launin rawaya?
Kamar yadda muka fada a baya, babbar matsala ga jarin ku tana zaune ne a cikin gaskiyar cewa dole ne mu zaɓi wane samfurin kuɗi don sa ribarmu ta sirri ta ci riba. Daga kasuwar hannun jari ana iya yin shi daga kamfanonin da aka lissafa waɗanda ke da alaƙa da samar da wannan ƙarfe mai daraja mai ban mamaki. Yawancin lokaci ta hanyar hakar ma'adinai da aka jera akan kasuwannin Anglo-Saxon. Amma kuma yana yiwuwa a yi hakan ta hanyar kudaden saka hannun jari da ke yin la'akari da ayyuka bisa la'akari da wannan kadarar ta kudi. Kodayake mafi mahimmanci game da wannan dabarun saka hannun jari shine cewa suna haɗuwa tare da wasu ƙididdigar kuɗin kuɗi, na tsayayyu da masu samun canji.
Wani zaɓi wanda kuke da shi a cikin zinare shine ETFs ko kuɗin musanya. Cakuda ne tsakanin kuɗaɗen kuɗi da saye da sayarwa a kasuwar jari. A karkashin dabarun saka jari wanda yayi kamanceceniya da na baya. Amma tare da bambancin banbanci cewa tsawon lokacin su yayi gajarta kuma zaka iya saka hannun jari na tsawon tsakanin watanni 6 zuwa 12. Tare da kwamitocin waɗanda yawanci ba su da yawa a gaba ɗaya kuma hakan zai adana muku ƙarin kuɗi a cikin kowane ayyukan da aka gudanar. Tare da kewayon keɓaɓɓun samfuran asusun kuɗi waɗanda zaku iya zaɓa daga kowane lokaci.
Kayan adon zinare, kwalliya, ko tsabar kudi
A ƙarshe, kuna da wani saka hannun jari wanda ya fi na gida kuma ya dogara da siyan waɗannan kayan kayan. Abu ne mai sauƙi don tsarawa kuma tare da fa'idar sassauƙa a cikin farashin dangane da ainihin buƙatun saka hannun jari. Ana iya aiwatar da wannan dabarar daga yuro dubu daya kacal kuma tare da iyakar da kuka ɗora akan aikin. A cikin kowane hali, kuna buƙatar sanin cewa yana da matukar kyau a shawarce ku a lokacin yin sayan don tallafawa ta hanyar ƙimarsa. A gefe guda, mafi ƙarancin mahimmanci shine gaskiyar cewa yana da fa'ida sosai. Kamar yadda yake faruwa a shekarun baya.
Sabili da haka, sassauƙa cikin buƙatarta ga wani nau'in halayen da ke bayyana saka hannun jari a cikin wannan ƙarfe mai daraja da sama da sauran kadarorin kuɗi. Wato, kuna da samfuran da yawa don zaɓar daga abubuwan da kuke so. Inda mahimmin abu shine zaku iya doke buƙatun da sauran kayayyakin kuɗi ke samarwa, gabaɗaya a cikin kasuwannin daidaito. Amma a wannan yanayin, ba shakka ba rikitarwa ba ne wanda zaku iya samun iyakoki na shiga tsakani matakan sama da 20% ko ma mafi tsananin. Kamar yadda yake faruwa a shekarun baya.
Duk wannan, a cikin yanayin da Spanishan kasuwar Sipaniya suka sayi yuro miliyan 40.879 a cikin wannan kadarar kuɗi a watan Yuli, kaso 2,7% ƙasa da watan da ya gabata da 13,7% ƙasa da adadi na wannan watan na shekarar da ta gabata. Inda aka bayyana cewa adadin tattaunawar a wannan lokacin ya ragu da kashi 19,2% idan aka kwatanta da watan Yuni, ya kai miliyan 3,39. Wato, 12,9% kasa da a cikin wannan watan na shekarar da ta gabata. Wannan bayanan na iya ba mu alama mara kyau ta wasu mahimman bayanai game da inda babban birnin masu saka hannun jari ke tafiya a wannan lokacin na shekara.
Hasashen zinare
Dangane da ƙididdigar GFMS, samar da zinariya a duniya zai kasance mai karko a cikin 2019 idan aka kwatanta da na wannan shekarar. Musamman, daga wannan kamfani mai ba da shawara da aka keɓe don ƙarafa masu daraja, suna ƙididdigar cewa za a ɗan yanke kaɗan a wannan lokacin har sai sun kai tan 3.265,5, idan aka kwatanta da 3.281,7 wanda aka kiyasta a matsayin adadi na ƙarshe na 2018. Wato, faɗuwa kusa da 1%. Kuma wannan ana iya ɗauka azaman karɓaɓɓe don kyakkyawan ɓangare na ƙanana da matsakaita masu saka jari. Musamman idan aka kwatanta waɗannan alkalumman da sauran kadarorin kuɗi na sanannen mahimmanci.
A ra'ayin masu nazarin GFMS, samarwa zai bunkasa a Afirka, Oceania da Turai, yayin da zai faɗi a Asiya da Amurka. Ba za a yi rikodin rufe mahimman ma'adanai ba, kodayake a wasu lokuta rage yawan adadin zinare a cikin ma'adinan da aka haƙo zai zama sananne a cikin jimlar yawan adadin samarwar. A wasu kalmomin, abubuwan da ake tsammani daga yanayin samarwa suna da kyau. Har zuwa lokacin da suke gayyatarka ka buda mukamai a cikin wannan kadarar kudi ta dacewar ta musamman. Musamman idan matakan rashin zaman lafiya a cikin kasuwannin hada-hadar sun kara ƙarfi. Musamman don siye da siyar hannun jari akan kasuwar hannun jari. Wanne ne inda aka ba da gudummawar gudummawar babban birnin duniya.
Platinum wani karfe mai daraja akan tashi
Demandarin buƙatar platinum don saka jari ya haifar da tashi "Abin al'ajabi" a fararen karafan farashi a watan Afrilu, wanda hakan yayi daidai da raguwar farashin palladium bayan da ya ninka darajar shi cikin tsawon watanni bakwai. "Platinum ya yi wata mai kyau," in ji masanin dabarun game da wannan, Jonathan Butler na kamfanin hadin gwiwar Japan Mitsubishi, a bincikensa na mako-mako da ya gabata. Butler ya kuma lura cewa "muhimmiyar alama ce ta farashin platinum" a cikin 2019 shine motsi a cikin samfuran da ETFs da ETPs ke bayarwa da ƙarfe na zahiri.
Dangane da binciken Butler, manyan lokutan ci gaban platinum ETFs a cikin 2019 za'a sami su tsakanin makonni biyu zuwa uku kafin a sami ƙarin ƙaruwa a farashin ƙarfe. Sabili da haka, jimillar hannayen jari "ya haura da kashi 10% na adadin da ake fitarwa na shekara-shekara a duniya" tun daga watan Janairu, in ji Butler. A cikin abin da ake la'akari da sabuwar dabara don buɗe matsayi a cikin wannan ƙarafan mai daraja ƙasa da ƙananan masu saka jari.