Elinye lawona macandelo achaphazeleka kakhulu ziindaba ezilungileyo ezinokuthi ziveliswe kwidatha enkulu ngaphandle kwamathandabuzo zizinyithi ezixabisekileyo. Akumangalisi ukuba zithathwa njengendawo ekhuselekileyo ye-asethi kwaye, ithiyori, inyuke xa iindaba ezinkulu, ezivela umgaqo-mali okanye ukuzithemba akukho, kwaye kuya kuba kulungile. Oko kukuthi, oomatshini bayo ngokuthe ngqo kwaye kuyo nayiphi na imeko ayinanto yakwenza nokuthenga kunye nokuthengisa izabelo kwimarike yemasheya. Kananjalo, olu hlobo lotyalo-mali olukhethekileyo kufuneka luxatyisiwe.
Ngale ndlela, amaxabiso esinyithi segolide abonakalise imeko ecacileyo yokunyuka kwiinyanga ezidlulileyo ngokuchaseneyo nezinye iiasethi zemali. Izipikili zivuliwe Ithemba elilungileyo ngokoluhlalutyo lobuchwephesha, uvakalelo kunye nokubekwa. Kodwa kulo nyaka utshintsho kwindlela onokuthi uhlangane olunokwenza ukuba wenze utyalomali olubi ukusuka ekubekeni kwakho kwezinye zezona zinto zibalulekileyo. Ngokubeka esweni okuqhubekayo kokusebenza ukusukela ngoku.
Ngokumalunga nomba, akukho bambalwa abahlalutyi bezemali abacetyiswayo kulo nyaka ukuba abatyali malibavale zonke izikhundla ezivulekileyo. Kwaye kwezinye iimeko banazo Inzuzo eyinkunzi isondele kakhulu kuma-80%. Akunakulityalwa ukuba abatyali zimali basabele kakubi kakhulu kwezinye zeedatha ezinkulu ezikhutshwe kwiiveki ezidlulileyo. Ukuza kuthi ga kwinqanaba lokuba igolide ilahlekile kufutshane ne-30 yeedola kwiitrayi kwimizuzu nje embalwa. Nangona kunyanzelekile ukuba ugxininise ukuba bafikelele kwimimandla yobuchwephesha ebaluleke kakhulu ukuze baqhubeke nokunyuka kwamaxabiso abo.
Igolide: imeko yotyalo-mali
Okokuqala, kufanele kuqatshelwe ukuba igolide iqhuba kakuhle kuzo zombini iimeko zokuhla kwamandla emali kunye nezexabiso kwaye iboniswa njengempahla engahambelaniyo nokudaleka kwedola. Lo ngumbandela ekufuneka unawo ukuze wenze imisebenzi ngempumelelo enkulu okanye encinci. Kule meko ngokubanzi, kufuneka kuthathelwe ingqalelo ukuba ukungabikho kwemali okugqithileyo kunye nokukhula konikezelo lwemali (M3) kubangela Ukuhla kwexabiso lokwenyani kwemali yamaphepha. EYurophu, inzala ingaphantsi kokunyuka kwamaxabiso kwaye ke ayilunganga. Ukukhula konikezelo lwemali kunye nokunyuka kwamaxabiso zezona zizathu ziphambili zokuba kutheni "imali yamaphepha" ilahlekelwa lixabiso mihla le.
Kodwa eyona nto iphambili kuwe kukuba ixabiso lesinyithi segolide likhule kakhulu kule minyaka mibini idlulileyo. Kwaye ngalo naliphi na elinye ixesha ezihambelana nazo kufuneka zivele izilungiso, nangona ingozi kukuba ezi zinamandla amakhulu ukusukela ngoku ukuya phambili. Kuba njengoko abatyali mali besazi kakuhle, akukho nto inyukayo okanye isezantsi ngonaphakade, ubuncinci kubo bonke kule klasi yeeasethi zemali. Esi sesinye sezizathu zokuvavanya umngcipheko wokusebenza kwesi sinyithi sixabisekileyo. Kuba kuyinyani ukuba unokufumana imali eninzi kuzo, kodwa zikushiyele ii-euro ezininzi apha endleleni.
Ixabiso lokuhlala ngo-2020
Ngayiphi na imeko, igolide ngu ixabiso lokhuselo kwimeko enzima. Ngelixa ukwahluka kwendabuko, njengeebhondi kunye nezitokhwe zezinye iindlela, ihlala isilela kumaxesha oxinzelelo kunye nokungazinzi kwiimarike, isinyithi esimthubi sibonakalise ukuphucula iziphumo ngokwenzuzo ebonelelweyo, kokubini ngexesha lozinzo kunye nokungazinzi kwemali kule minyaka idlulileyo. Oku kusebenza kuthetha ukuba ukuba izinto zihamba gwenxa kuqoqosho lwamanye amazwe kulo nyaka, isenokuba lithuba lokubuyela kwiimarike ezixabisekileyo zesinyithi. Ukuba kunokwenzeka ukuba iiasethi zakho zinokubongwa ngendlela ephawulwe kakhulu.
Enye into ekufuneka siyivavanye ngeli xesha kukuba iintshukumo zabo zintle kakhulu. Zombini ngokubhekisele kwifayile ye- iintshukumo ezantsi naphezulu kwaye oko kuya kuchonga impumelelo okanye hayi kuyo yonke imisebenzi kwezi marike zezimali. Ukusuka kule ndawo, kubaluleke kakhulu ukuhlalutya imeko yezi zinto zibalulekileyo zeasethi yemali. Ukwazi ukuba ungene nini okanye uphume kwizikhundla zabo kwaye ngale ndlela ukhusele imali etyalwe kolu hlobo lokusebenza kubudlelwane bethu nelizwe elihlala linzima lemali.
Uhlalutyo lwemarike
Xa kuziwa kwizinyithi ezixabisekileyo, hayi kuphela ubunyulu obuphezulu obubalulekileyo, kodwa kunye nokuthembeka, ukuhlala ixesha elide kunye nokumelana. Kubalulekile ukuba nomlingane othembekileyo, oqeqeshiweyo nonamava wokuqhuba Uhlalutyo olubanzi ngakumbi lwezixhobo. Lo ngumcimbi ekufuneka uthathelwe ingqalelo xa usenza utyalo-mali, ngakumbi ukuba asifuni kufumana isimanga esibi kwiinyanga ezimbalwa ezizayo. Kuba lutyalo-mali abatyali zimali abancinci nabaphakathi abangaqhelanga kulusebenzisa kuba kuncitshiswe ukusebenza ngokuthe ngqo kwaye ke kufuneka kulawulwe ngakumbi kunakwenye into eqhelekileyo okanye yeasethi yemveli.
Ukusuka apho uluhlu olubanzi lweemveliso luboniswa, kubandakanya ukhetho olunonophelo lweemveliso ezigqityiweyo kunye neealloys in igolide, isilivere, iplatinam kunye nepalladium, yenzelwe ngokukodwa ishishini lobucwebe. Enye yezona zinto ziluncedo kakhulu kukuba ezi mveliso aziphulukani nexabiso kule minyaka idlulileyo, kwaye zinokubakho ekuhambeni kwexesha. Ngale ndlela, inokuba yintengo enenzuzo enkulu enokusetyenziselwa nangaliphi na ixesha ukubonelela ngobutyebi kwimeko yeemfuno kwiiakhawunti zakho. Ngokukodwa xa inzuzo yeemarike ze-equity ingahambi ngexesha elifanelekileyo, kunye nokuhla kwexabiso kumaxabiso ezabelo.
Ngokusebenzisa imali yotyalo-mali
Olunye ukhetho abasebenzisi abanokuzifumana ngalo kukunikwa kwengxowa-mali yotyalo-mali esekwe kwimveliso yale nto ibalulekileyo eluhlaza. Ukusuka kule ndlela, kunokwenzeka ukuba ufumane iimodeli ezihlangabezana nezi mpawu zikhethekileyo kwaye ziphuhliswe ziinkampani zolawulo ezingaphandle kwemida yethu. Apho eyona nto ibalulekileyo kukukhokelela kutyalo-mali kumaxesha amade kakhulu apho ingeniso yayo yokwenyani inokuqokelelwa khona. Ngelixa kwelinye icala, kwezinye iifom zinokudityaniswa zezinye iiasethi zemali. Zombini ezivela kwii-equity kunye nengeniso esisigxina okanye nakwezinye iimodeli zotyalo-mali.
Nangona kunjalo, iikhomishini zabo ziphezulu kunalezo zinikezelwa yimali yendabuko okanye eqhelekileyo yotyalo mali kuba banokubandakanya iindleko ezifikelela kwi-3% kwimali etyalwe. Ngale ndlela, kubalulekile ukuhlalutya ukuba ingaba ezi mali zikhethekileyo zotyalo-mali zinokuba yinzuzo ngokwenene ngenxa yeendleko ezenziweyo kulawulo lwazo okanye kulondolozo. Ngokuba yenye yezona ziphezulu kwiimveliso zemali kwaye oko kunganciphisa inzuzo enokuthi ifumaneke kwizikhundla zabo. Apho kuyakufuneka khona ukuba kuthathelwe ingqalelo unyango lwerhafu kolu didi lweemveliso zezemali kwaye zikwindawo enye kunye nokuthengwa kunye nokuthengiswa kwezabelo kwiimarike zezabelo. Kodwa ekugqibeleni iya kuba nguwe onesigqibo sokuqesha kubo okanye hayi ukwenza ulondolozo lube nenzuzo ukusukela ngoku ukuya kolunye uhlobo lotyalo-mali.
Utyalo-mali kwi-bullion yegolide kunye neengqekembe
Igolide yi ixabiso lokhuselo kwimeko enzima kwaye, ngelixa ezinye iindlela zotyalo-mali ezinje ngeebond kunye nezitokhwe zihlala zisilela amaxesha oxinzelelo kunye nokungazinzi Kwiimarike, isinyithi esimthubi sibonisiwe siphucula imbuyekezo yotyalo-mali, omabini la maxesha okuzinza nokungazinzi kwezezimali kule minyaka idlulileyo. Kodwa enye yeendlela abanokukhetha kuzo abatyali mali abancinci nabaphakathi phambi kwabo ziigolide kunye neengqekembe. Lutyalo-mali lwantlandlolo, kodwa kunokuba luncedo kakhulu kulo nyaka mtsha.
Ngale ndlela, unokutyala igolide ngokusebenzisa i-bullion, ngeendlela ezahlukeneyo okanye iifom, kwaye nangeemali, nangona oku kubalulekile ukuba babe yithenda esemthethweni kwilizwe lokuzalwa kwaye bathengiswa ngexabiso elenzayo ungagqithi kwi-80% kwixabiso lemarike lasimahla. Ungathenga iimveliso ezahlukeneyo zezi mpawu, ukusuka kwimivalo yegolide ye-5 ukuya kwi-2.000 300 yeegram, enokuthi ikhuphe phakathi kwe-15.000 kunye ne-250 ye-euro; iingqekembe zesinyithi ezixabisekileyo, phakathi kwazo apho "iKruger Rand" okanye "iMaple Leaf" zigqamile, ezinokuthengwa kwii-euro ezingama-XNUMX.
Ngeli xesha, kule marike yeeasethi zemali, igolide kunye nesilivere eyenziwe ngeebhari ziyafumaneka kuyilo olukhethekileyo kunye nokugqitywa komgangatho ophezulu. Imigca yabo ethe tye, iileta eziprintiweyo kunye nobuhle kuzo zonke iinkcukacha, zenza olu hlobo lwe-ingot lube lolona lufanelekileyo ukujongana nekamva ngokuzithemba kunye nokudlulisela ukhuseleko kwizizukulwana ezizayo.