Ukuba kukho iasethi yezemali egcina imeko ecacileyo yokunyuka ngexesha le Ukwandiswa kwecoronavirus asiyiyo yimbi ngaphandle kwegolide. Ukusukela kwixesha elizayo elicatshulwe kwisinyithi esinexabiso eli-15% ukusuka kumgangatho wonyaka ababhalise ngawo nge-19 ka-Matshi, embindini wokuwa kwestokhwe. Ngendlela ecacileyo yokunyuka okunokumema abatyali zimali abancinci nabaphakathi ukuba bathathe izikhundla. Ngokukodwa, ngenxa yokungazinzi kweemarike zokulingana kwihlabathi liphela ezikhoyo kwezi ntsuku. Ukuya kwinqanaba lokuba kwakhona isinyithi esimthubi siye saba lixabiso elifanelekileyo lokubalekela. Ukutsala indawo elungileyo yokuhamba kwenkunzi okuhambisa imali yotyalo mali.
Ngalo mzuzu ungqalileyo akukho mathandabuzo ukuba ukutyala imali kwesi sinyithi sixabisekileyo kukuqala kokukhangela ubutyebi kwaye xa ukhuphisana njengendawo yokusabela ngokunyuka kokubonelela kwetyala elivela eMelika. Ngomsebenzi ophakamileyo kakhulu onokuthi uzuze ngokwanelisayo, ubuncinci kokuseleyo kulo nyaka unzima kakhulu kubatyali mali abancinci nabaphakathi. Ngaphandle kwento yokuba ulungiso oluthile lunokwenzeka ngeli xesha kwaye oko kungasebenza ukungena kule ntengiso ngegolide etyheli. Njengabahlalutyi bemarike yezemali abafundayo.
Ngelixa kwelinye icala, ayinakulityalwa ukuba ngaphakathi kwezinyithi ezixabisekileyo kukho ifayile ye uluhlu olubanzi iimveliso, kubandakanya ukhetho olucokisekileyo lweemveliso ezigqityiweyo kwigolide, isilivere, iplatinam kunye nealam palladium, ngokukodwa kwicandelo lobucwebe. Ngaphandle kokukhawulelwa kuphela kwinto enikezelwa ngokwesiko ngegolide ngale ntsimbi ngokwasemzimbeni nangemali yotyalo mali esekwe kule asethi yemali ngokugqwesa. Isicwangciso sotyalo-mali esinokuba yinzuzo kakhulu ngexesha apho amathandabuzo esekwe kuzo zonke iintlobo zeeprofayili zomsebenzisi.
Igolide kwi-1600 yeedola
Ingxaki yezoqoqosho kunye nezempilo ekhoyo kulo lonke iplanethi ibangele ukuba ixabiso lesinyithi elityheli linyuke kule mihla. Ukuya kwinqanaba lokufikelela kumanqanaba anayo kwi-1600 yeedola kwitrun ounce kwaye lelona liphezulu kule minyaka isixhenxe idlulileyo. Ngokubona kwangaphambili kunokujongwa kude kube ngoku malunga ne- $ 2000 kuba uxinzelelo lokuthenga olomeleleyo lukhona ngokuchasene nomthengisi. Njengoko kunqabile ukubonwa kwiminyaka yakutshanje kwaye sesinye sezizathu zokubona kwangaphambili ukuba le meko iya kuqhubeka nokuhlala, ubuncinci iinyanga ezimbalwa. Logama nje ukungazinzi kwinxalenye yeemarike zokulingana kwihlabathi liphela kuhlala.
Ngeli xesha, ixabiso legolide lixabisile kwezi nyanga zine zokuqala zonyaka malunga ne-30%, ukuba yiasethi eyimali ephuhlise owona msebenzi mhle kwinxalenye yokuqala yalo nyaka. Ayothusi into yokuba iye yaba sesinye sezona zicwangciso zibalaseleyo zotyalo-mali ekufuneka abatyali mali abancinci nabaphakathi benze ukuba imali yabo ekhoyo ibenenzuzo. Ukusuka apho iphothifoliyo elungeleleneyo yokhuseleko inokusekwa ukuze ijongane nobunzima bezoqoqosho ngamandla amakhulu. Into ekhulayo nakwezinye izinyithi ezixabisekileyo, ezinjengesilivere kunye ne-palladium, phakathi kwezinye ezifanelekileyo. Njengendlela yokujongana nobudlelwane bethu nelizwe elihlala linzima lemali.
Indlela yokutyala ngegolide?
Eyona ndlela ilula yokuthatha izikhundla kule asethi yezemali ibalulekileyo kukusebenzisa mali mali ngokusekwe kule asethi yemali. Kunye nezinye iimodeli zotyalo-mali ezinceda ukwahlula phakathi kwabo kwimizuzwana embalwa kukuba esi sicwangciso siyimfuneko kakhulu ekugcineni ukonga ngendlela efanelekileyo kwimidla yabanini bayo. Ukongeza, baneekhomishini eziluncedo ngakumbi kubaninizo bezi mveliso zotyalo-mali lomntu ngamnye. Ngamaxabiso angcono kunokuba, umzekelo, xa uthenga kwaye uthengisa izabelo kwimarike yemasheya kwaye ngaphandle kokuba banokuba nekhomishini engaphezulu kwesinye kwimveliso enye okanye kwingxowa mali.
Ngelixa kwelinye icala, sinokukhetha ukuthengwa kwezinto ze inkunzi yegolide kwaye inokuthengwa phantsi kweefomathi ezahlukeneyo kuxhomekeke kwiimfuno zabatyali zimali. Ukusuka kumaxabiso afanelekileyo ahlala aqala kwi-100 okanye kwi-200 ye-euro nge-ingot nganye ukuya phambili. Ukwazi ngalo lonke ixesha ukuba soze baphinde bajongele phantsi kwaye nantoni na eyenzekayo kwiimarike zemali. Ukufumana imbuyekezo enokubaluleka kakhulu kwaye ngaphezulu kwezinye iindlela zokutyala imali ziqwalaselwe njengesiqhelo okanye eziqhelekileyo. Kwinto efaniswe njengenye yeendlela ezizezinye ukoyisa le ngxaki ngokwembono yotyalo-mali.
Igolide ebhegini
Ngayiphi na imeko, utyalo-mali lwentsimbi exabisekileyo ngokugqwesa kunesiphene esikhulu ukuba inzima kutyalo-mali lwayo kwiimarike zezabelo. Ngamanye amagama, bambalwa kakhulu iinkampani ezinxulunyaniswe nale asethi yemali. Kuphela ziinkampani ezinxulumene nokutsalwa kunye nokuveliswa kwesinyithi esimthubi kwaye ngaphezulu kwazo zonke ezidweliswe kwiimarike ze ILondon neNew York. Kodwa akukho meko unokufumana iinkampani ezinikele ngokuthe ngqo kulo mbandela usisiseko, njengoko kunjalo nakwezinye iimveliso zezezimali. Ke ngoko, uya kuncitshiswa ngakumbi kwizikhundla onokuzivula ukusukela ngoku.
Kwelinye icala, ikwafumaneka kwiimali zothengiso-mali okanye ezaziwa ngcono njenge ETFs Okungumxube phakathi kweemali kunye nokuthenga nokuthengisa izabelo kwimarike yemasheya. Nangona iikhomishini ezinokhuphiswano ngakumbi kwimidla yabatyali mali abancinci nabaphakathi abaya kuba nakho ukuhlengahlengisa ngcono izikhundla zabo kule ntsimbi ixabisekileyo. Njengakwimvume, nangona kule meko inendlela encinci kunikezelo lwayo kwaye inokwenziwa ngesivumelwano ngeebhanki kunye nabaphathi bengxowa-mali.
Kutheni utyala imali kwigolide?
Abantu abaninzi bayazibuza ukuba kutheni ugcina utyalo-mali kwigolide ukuba ayisasaxhasi uninzi lweemali ezinkulu zehlabathi. Nangona kunjalo, ngaphandle koku, le yentsimbi iyaqhubeka inexabiso elibalulekileyo kuqoqosho lwehlabathi. Oku kuyenza ibaluleke ngakumbi kunezinye izixhobo zemali.
Ukugcina ngokutyala kwigolide kucetyiswa ngakumbi kunokwenza ngotshintshiselwano lwangaphandle. Oku akuchaphazeleka kwiziphumo zokunyuka kwamaxabiso, njengoko idola, i-euro kunye nezinye iimali zinjalo. Ngokuqinisekileyo, ngamanye amaxesha amaxabiso amaxabiso ayo, kodwa ezi azikho nzima okanye zihlala ixesha elide. Ngenxa yoku, nayo ithathwa njengomngcipheko ophantsi.
Enye into ethanda abatyali mali abaseta izinto zabo kwigolide yile yinto yexabiso ebukho bayo bunomda. Akukho mntu "unokufaka" igolide njengoko oorhulumente besenza ukufaka isandla kuqoqosho lwabo. Ukuveliswa kwesinyithi kuhamba kancinci, yiyo loo nto kukho amaxesha apho imfuno ingaphezulu kokubonelela kwaye oku kunegalelo ekunyukeni kwexabiso layo.
Ukuxhomekeka kwakho kumazinga wenzala
Nangona kuyinyani ukuba iiBhanki eziMaphakathi zithambekele ekunciphiseni ukuthengisa kwazo kwaye ukuthengwa kunokuqwalaselwa kwakhona ngenxa yemeko yeerhafu, kubalulekile ukuba Oovimba abavela e-USA, eJamani nase-France zisakhulu kakhulu kwaye oku kunciphisa ukubakho okuphezulu kwegolide ngenxa yokuthengwa zii-Central Banks. Kukho iimeko zenqanaba lenzala ezibuthathaka. Inzala yenzala ephezulu kunye ezinzileyo (kuba inyusa ukuthengisa okuqhubela phambili ukwenza ama-balance sheet) kunye nokwehla (ukungadideki ngamaxabiso asezantsi) ngenxa yeendleko zamathuba ezilahlekileyo ngokungabinakho ukutyala imali kwingeniso esisigxina.
Kukho ithuba lokubona ukwanda kwemveliso yezimbiwa. Hayi ngeefama ezintsha kodwa ngemveliso ephezulu esele ikho. Lo mngcipheko uthintelwe zizabelo eziphezulu eziye zahlawulwa ziinkampani zemigodi yegolide. Umgaqo-nkqubo wotyalo-mali ubuncinci. Omnye umngcipheko bubunzima obomeleleyo bee-ETFs kunye nezinye izixhobo ezivela kwixabiso legolide nakukungena nokuphuma kwale asethi.
Ukuxabiswa kwemali yaseMelika ngenxa yolungelelwaniso olubi olwenziweyo ngegolide. Kubalulekile ukukhumbula ukuba ukungazinzi kwemali yegolide kujikeleze iipesenti ezili-15. Ngelixa kwelinye icala, amanqanaba aphezulu esiwalindeleyo egolide iyi- $ 2000 ukuphela kwe-2020 kunye ne- $ 2200 ukuphela kwe-2021 inokubambisana nayo iyimfuneko kodwa ayonelanga. Ukuba ayikhatshwa kukuncitshiswa kweendleko okanye ubuncinci kuzo kwiinkampani zemigodi, indlela eya phezulu inokulinganiselwa.