Ngaba isilivere lutyalo-mali olulungileyo? Kutheni kufuneka umntu ayithenge? Kungokwemvelo kwaye kububulumko ukuba umtyali-mali azibuze ukuba ingaba i-asethi ethile lulondolozo olulungileyo na okanye hayi. Oko kuyinyani ngokukodwa kwisilivere, njengoko iyimarike encinci kwaye ayinamandla afanayo negolide.
Kukho ithuba lokuba ukuba unesilivere ebonakalayo, ayisiyiyo ulwelo kwangoko. Ngokwenza ukuthenga okuqhelekileyo njengokutya, awungekhe usebenzise imivalo yesilivere okanye ingqekembe yesilivere, ke kuya kufuneka uyiguqulele kwimali kuqala, kwaye ukubanakho ukuthengisa ngokukhawuleza kunokuba yingxaki.
Kodwa ngeli xesha kwimbali, kukho izizathu ezinyanzelekileyo zokongeza isilivere ebonakalayo kwipotifoliyo yakho yotyalo-mali (kwaye inye kuphela kungenxa yokuba ixabiso liya kunyuka). Nazi izizathu ezi-10 eziphezulu zokuba kutheni wonke umtyali mali kufuneka athenge isilivere bullion ...
Isilivere yimali yokwenene
Isilivere ayinakuba yinxalenye yemali yethu, kodwa iseyimali. Ngapha koko, isilivere, kunye negolide, yeyona ndlela iphambili yemali, kuba ayinakwenziwa ngaphandle komoya omncinci (kwaye ngenxa yoko yehliswe) njengephepha okanye iifom zedijithali. Kwaye ngemali yokwenyani, sithetha isilivere ngokwasemzimbeni, hayi ii-ETFs okanye izatifikethi okanye iikhontrakthi zexesha elizayo. Olo lutyalomali lwamaphepha, olungenazo izibonelelo ezifanayo oza kuzifumana kule ngxelo.
Isilivere yomzimba yindawo yokugcina yexabiso, njengegolide. Nasi isizathu.
-Akukho mngcipheko wokulwa naye. Ukuba unemali ebonakalayo, awudingi elinye iqela ukufezekisa ikhontrakthi okanye isithembiso. Oku akunjalo ngesitokhwe okanye iibhondi okanye phantse naluphi na olunye utyalomali.
- Ayikaze yaphulwe. Ukuba unesilivere ebonakalayo, awunabungozi. Akunjalo phantse kulo naluphi na olunye utyalo-mali olwenzileyo.
Ukusetyenziswa kwexesha elide njengemali. Ukuphononongwa kwembali yemali kubonisa ukuba isilivere isetyenzisiwe ekuveliseni iingqekembe rhoqo kunegolide!
Njengoko uMike Maloney ebeka kumthengisi wakhe othengisa kakhulu, Isikhokelo sokuTyala imali kwiGolide nakwisilivere, "Igolide kunye nesilivere ziye zaxabisa ukutyhubela iinkulungwane zaze zacela ukuba nendima yokunyaniseka iphendulwe."
Ukuba nesilivere ebonakalayo kukubonelela ngeasethi yokwenene eye yakhonza njengemali ngamawakawaka eminyaka.
2 Isilivere ebonakalayo yimpahla enzima
Kuzo zonke utyalo-mali onazo, zingaphi onokuba nazo?
Kwilizwe elinemivuzo yamaphepha, urhwebo lwedijithali kunye nokudalwa kwemali, isilivere ebonakalayo ime ngokuchaseneyo nenye yeempahla ezimbalwa onokuthi uziphathe naphi na epokothweni, nokuba uye kwelinye ilizwe. Kwaye inokuba yeyabucala kwaye iyimfihlo njengoko ufuna. Isilivere yomzimba ikwanokukhuselwa okubonakalayo kuzo zonke iindlela zobugebenga nolwaphulo-mthetho olwenziwa ngekhompyutha. Awunakho 'ukucima' ingqekembe yesilivere yokhozi, umzekelo, kodwa oko kunokwenzeka ngeasethi yedijithali:
Isilivere ngexabiso eliphantsi
Ungathini ukuba ndingakuxelela ukuba ungathenga iiasethi ezinzima nge-1/70 kwixabiso legolide kwaye iyakukhusela nakwingxaki?
Yile nto uyifumana ngesilivere! Ifikeleleka ngakumbi kumtyali mali ophakathi, kwaye njengesinyithi esixabisekileyo iya kunceda ukugcina umgangatho wakho wokuphila ulunge njengegolide. Ukuba awukwazi ukuthenga i-ounce yegolide, isilivere ingaba yitikiti lakho kwezinye izinyithi ezixabisekileyo. Oku kuyinyani kwizipho. Ngaba awufuni ukuchitha ngaphezulu kwe- $ 1.000 kwisipho kodwa ungathanda ukunika into enzima? Isilivere yenza nje ukuba ifikeleleke ngakumbi.
Isilivere iluncedo ngakumbi ekuthengeni okuncinci kwansuku zonke. Isilivere ayitshiphu kuphela ukuthenga, inokubakho ngakumbi xa ufuna ukuthengisa. Mhlawumbi ngenye imini awufuni ukuthengisa iyunithi enye yegolide ukuhlangabezana nesidingo esincinci sezemali. Ngenisa isilivere. Njengoko ihlala iza kumahlelo amancinci kunegolide, ungathengisa kuphela into oyifunayo okanye oyifunayo ngelo xesha.
Wonke umtyali mali kufuneka abe nesilivere ngenxa yesi sizathu.
Gcina ukhumbula ukuba iingqekembe zesilivere kunye nemivalo inokuthengiswa phantse naphina emhlabeni.
Isilivere ingaphezulu kwegolide kwiimarike zeenkomo
Isilivere yimakethi encinci kakhulu, incinci kakhulu, enyanisweni, ukuba imali encinci ingena okanye ishiya ishishini inokuchaphazela ixabiso ukuya kuthi ga kwinqanaba elikhulu kunezinye iiasethi (kubandakanya negolide). Oku kunyuka kokungazinzi kuthetha ukuba kwiimarike zebhere, isilivere iwa ngaphezulu kwegolide. Kodwa kwiimarike zeenkomo, isilivere iya kuphakama kakhulu kwaye ikhawuleze kunegolide.
Nantsi imizekelo elungileyo ... jonga ukuba ingakanani isilivere eyenziwe ngaphezu kwegolide kwiimarike zeenkomo ezimbini ezinkulu kakhulu kwizinyithi ezixabisekileyo zangoku:
Isilivere isetyenziswa kwinani elikhulu lamashishini kunye neemveliso, kwaye uninzi lwazo luyasetyenziswa. Nantsi eminye imizekelo ...
-Iselfowuni iqulethe malunga nesithathu segrama yesilivere, kwaye ukusetyenziswa kweeselfowuni kuyaqhubeka nokukhula ngokungakhathali kwihlabathi liphela. UGartner, inkampani ekhokelayo yophando kwezobuchwephesha kunye nenkampani yeengcebiso, uqikelela ukuba zizonke i-5.750 yezigidigidi zeeselfowuni ziya kuthengwa phakathi kuka-2017 no-2019.
-Ifestile efudumeleyo yokuzifudumeza kwiVolkswagen yakho entsha iya kuba nocingo lwesilivere olucekeceke ngokulula endaweni yazo. Baya kuba ne-filaments ngasezantsi kwefestile ukuze bafudumise i-wiper ukuze bangabi ngumkhenkce kwiglasi.
-I-Instituto de la Plata iqikelela ukuba ukusetyenziswa kwesilivere kwiiseli ze-photovoltaic (ezona zinto ziphambili zeepaneli zelanga) kuya kuba yi-75% ephezulu kwi-2018 kuneminyaka nje eyi-3 eyadlulayo.
- Olunye uhlobo oluqhelekileyo lokusetyenziswa kwemizi-mveliso yesilivere njengesixhobo sokuvelisa i-ethylene oxide (isandulela esibalulekileyo kwimveliso yeeplastikhi kunye neekhemikhali). Iiprojekthi ze-Instituto de la Plata ezithi ngenxa yokukhula kolu shishino, i-2018% yesilivere engaphezulu iya kufuneka ngo-32 kunokuba yayisetyenziswa ngo-2015.
Mininzi eminye imizekelo enjengale, kodwa eyona nto iphambili kukuba ngenxa yeempawu zayo ezizodwa, ukusetyenziswa kwemizi-mveliso yesilivere kuyaqhubeka nokwanda, oko kuthetha ukuba sinokulindela ngokufanelekileyo ukuba lo mthombo wemfuno uhlale uqinile. Kodwa ayilo bali lipheleleyo… ngokungafaniyo negolide, uninzi lwesilivere yamashishini iyasetyenziswa okanye itshabalale ngexesha lenkqubo yokuvelisa. Ayisiyoqoqosho ukubuyisa yonke into encinci yesilivere evela kwizigidi zeemveliso ezilahliweyo. Ngenxa yoko, ukuba isilivere ihambe ngonaphakade, ukunciphisa umda wobonelelo olunokubuyiselwa kwimarike ngokusebenzisa ukuphinda kusetyenziswe kwakhona.
Ukusetyenziswa kwemizi-mveliso
Ke ayisiyiyo kuphela ukukhula okuqhubekayo kokusetyenziswa kwemizi-mveliso okugcina imfuno yesilivere yomelele, kodwa izigidi zeeunun azinakusetyenziswa kwakhona. Ingayingxaki leyo, kuba ...
Njengoko usazi, ixabiso lesilivere lehla emva kokunyuka ngo-2011. Kule minyaka mihlanu izayo yehla ngama-72,1%. Ngenxa yoko, abasebenzi-mgodini kuye kwanzima ukuba banciphise iindleko zokwenza inzuzo. Enye yeendawo eyancitshiswa ngokumangalisayo yayikukuphononongwa nokuphuhliswa kwemigodi yesilivere entsha.
Ayithathi inzululwazi yerokethi ukuqonda ukuba xa ixesha kunye nemali ichithwe ukukhangela isilivere, kuya kufunyanwa isilivere encinci. Le mbalela kuphononongo nakuphuhliso iyaqala ukuthatha umthwalo wayo.
Njengayo yonke into kwintengiso, ukutyala imali kwi-bullion yesilivere ineenzuzo zombini kunye nobubi, kwaye into enomtsalane komnye utyalomali isenokungabi yinto elungileyo komnye.
Isilivere isandula ukuvela kunyaka ophumelele ngakumbi kunokuba ibonile okwethutyana, kwaye njengoko ixabiso lesilivere linyuka, abatyali mali abaninzi abanomdla kwimarike yesilivere bayazibuza ukuba ingaba lixesha elifanelekileyo na lokuthenga isilivere ebonakalayo kwaye uyenze yinxalenye yakho ipotifoliyo yotyalo mali.
Ngelixa isilivere inokutshintsha, isinyithi esixabisekileyo sikwabonwa njengomnatha wokhuseleko, ofana nodade wabo osisinyithi segolide- njengempahla ekhuselekileyo, banokubakhusela abatyali mali ngamaxesha okungaqiniseki. Ngobunzima obonyukayo, banokuba yinto elungileyo kwabo bafuna ukugcina ubutyebi babo kula maxesha anzima.
Ngezi zinto engqondweni, makhe sijonge iingenelo kunye neengozi zokuthenga imivalo yegolide ngokwendlela yesilivere.
Iziphumo zokutyala imali kwi-bullion yesilivere
- Njengoko sele kukhankanyiwe, abatyali mali bahlala begxalathelana ukuya kwizinyithi ezixabisekileyo ngamaxesha obunzima. Xa ukungaqiniseki kwezopolitiko nakwezoqoqosho kukhulu kakhulu, ithenda yomthetho ngokubanzi ithatha isihlalo sokubuyela kwimpahla enjengegolide nesilivere. Ngelixa igolide kunye nesilivere bullion inokuba nomtsalane kubatyali mali, isinyithi esimhlophe sithande ukungahoywa sithanda abantu abatyala imali kwigolide, nangona idlala indima efanayo.
- Yimali ephathekayo- nangona ikheshi, izitokhwe zemigodi, iibhondi kunye nezinye iimveliso zezemali zamkelwe iifom zobutyebi, kodwa amanqaku ezithembiso zedijithali. Ngeso sizathu, bonke basemngciphekweni wokuphelelwa lixabiso ngenxa yezenzo ezinje ngokuprinta imali. I-bullion yesilivere, kwelinye icala, yinto ebambekayo ebambekayo. Oku kuthetha ukuba nangona isemngciphekweni wokuhla nokunyuka kwemarike njengezinye izinto, isilivere ebonakalayo ayinakulindeleka ukuba iwele ngokupheleleyo ngenxa yexabiso layo elisisiseko kunye nexabiso lokwenyani. Abathathi-nxaxheba kwimarike banokuthenga igolide ngeefom ezahlukeneyo, ezinje ngengqekembe yesilivere okanye ubucwebe besilivere, okanye banokuthenga imivalo yesilivere.
UChris Duane, umtyali mali kunye nomfanekiso weYouTube, uthe ubeka isinyithi sakhe apho umlomo wakhe uphelisa khona iiasethi zakhe kwaye wabeka imali kwisilion bullion xa amaxabiso ehla. Ukholelwa ekubeni inkqubo yethu yemali, kunye nendlela yethu yokuphila iphelele, yakhelwe kwityala elingenakuzinziswa, kwaye injongo yokutyala imali kwi-silver bullion nakwimakethi yesilivere kukuzikhupha ekuweni okungenakuphepheka kwale nkqubo.
- Ixabiso elincinci kunegolide- Phakathi kweentsimbi zegolide kunye nemivalo yesilivere, isinyithi esimhlophe asibizi nje kuphela kwaye ngenxa yoko sinokufikeleleka ngakumbi ekuthengeni, kukwahluka kakhulu ukuchitha. Oku kuthetha ukuba ukuba ujonge ukuthenga isilivere kwifom yemali oyisebenzisa njengemali, kuya kuba lula ukuyaphula kunengqekembe yegolide, kuba inexabiso elincinci. Kanye njengokuba i-100 yeedola inokuba ngumceli mngeni ukungena kwivenkile, ukukhupha i-ounce yemivalo yegolide kunokuba ngumceli mngeni. Ngenxa yoko, i-bullion yesilivere iyasebenza ngakumbi kwaye iyaguquguquka kunegolide ebonakalayo, isenza ukuba olu hlobo lotyalo-mali lwesilivere lube nomtsalane ngakumbi.
- Kuba intsimbi emhlophe ixabisa malunga ne-1/79 yexabiso legolide, ukuthenga isilion bullion kuyafikeleleka kwaye ipesenti ephezulu kakhulu yenzuzo inokubonwa ukuba ixabiso lesilivere liyenyuka. Ngapha koko, kwixa elidlulileyo, isilivere ibeligqithile ixabiso lentengo legolide kwiimarike zeenkomo, ngokweGoldSilver. IGoldSilver ibanga ukuba, ukusuka ku-2008 ukuya ku-2011, isilivere yafumana iipesenti ezingama-448, ngelixa ixabiso legolide lafumana kuphela iipesenti ezili-166 kwangelo xesha linye. Kuyenzeka ukuba umtyali-mali abiye ukubheja kwakhe ngesilivere ye-bullion kwipotfoliyo yakhe yotyalo-mali.
- Imbali ikwicala lesilivere-Isilivere kunye negolide zisetyenzisiwe njengethenda esemthethweni kumakhulu nangamawaka eminyaka, kwaye loo mgca unika isinyithi uvakalelo lokuzinza. Uninzi luthuthuzelwa kukwazi ukuba le ntsimbi ixabisekileyo iye yaqatshelwa ngexabiso layo kuyo yonke imbali yoluntu, ke ngoko kukho ulindelo lokuba iya kuhlala ixesha elide kunokuba imali ye-fiat isenokuwela endleleni. Xa abantu betyala imali kwisilivere ebonakalayo, nokuba bathenga ibha yesilivere, isilivere esulungekileyo, ingqekembe, okanye ezinye iindlela, kukho isiqinisekiso sokuba ixabiso laso liqhubekile kwaye liza kuqhubeka ukuqhubeka.
- Isilivere inikezela ngokungaziwa-Nokuba uyabuxabisa ubumfihlo bakho okanye akunjalo, isilivere inezibonelelo ezifanayo nemali, njengoko inika abasebenzisi isidanga sokungaziwa malunga neendleko. Ayinguye wonke umntu ofuna ukuba yonke intengiselwano ibe yinxalenye yerekhodi yoluntu, kwaye imfihlo yinto eyimfuneko kwidemokhrasi, ngokuka-TED kaGlenn Greenwald. Esi sesinye isibonelelo sabatyalomali abafuna ukuthenga isilivere bullion.
Iindawo ezisezantsi zotyalo-mali kwi-bullion yesilivere
- Ukunqongophala kwemali - Kukho ithuba lokuba ukuba unemali ebonakalayo, isenokungabi lulwelo kwangoko. Ngokwenza ukuthenga okuqhelekileyo njengokutya, awungekhe usebenzise imivalo yesilivere okanye ingqekembe yesilivere, ke kuya kufuneka uyiguqulele kwimali kuqala, kwaye ukubanakho ukuthengisa ngokukhawuleza kunokuba yingxaki. Kwi-jam jam, iivenkile ezithengisayo kunye neejewellery zilukhetho, kodwa ayisiyondlela yokubhatala eyona.
- Ubungozi bobusela- Ngokungafaniyo nolunye utyalomali, ezinje ngestokhwe, ukubamba isilivere bullion kunokushiya abatyali mali besengozini yokuba. Ukukhusela iiasethi zakho ekuphangeni usebenzisa isisefo ebhankini okanye isisefo ekhayeni lakho kuya kuzisa iindleko ezongezelelweyo. Kananjalo, iiasethi ezibonakalayo, kubandakanya ubucwebe besilivere, zihlala ekhayeni lakho, umngcipheko wobusela mkhulu.
- Imbuyekezo ebuthathaka kutyalo-mali - nangona isilivere bullion inokuba yindawo efanelekileyo ekhuselekileyo, isenokungasebenzi kunye nolunye utyalomali- umzekelo, izindlu nomhlaba, okanye nezinye izinyithi.
Izitokhwe zemigodi zisenokuba lukhetho olungcono kunezo zesilivere zabanye abatyali mali. NjengoRandy Smallwood, umongameli kunye ne-CEO yenkampani yokusasaza i-Wheaton Precious Metals (TSX: WPM, NYSE: WPM), utshilo, "Iinkampani zokusasaza ziya kuhlala zigqithisa ngokwabo." Ubonisa oku ekukhuleni kwendalo kunye nezahlulo zesahlulo ezinganikezelwa yimivalo yegolide. Olunye ukhetho kubatyali mali abanomdla kwisilivere lubandakanya ukutyala imali kwingxowa-mali yokurhweba okanye kwikamva lesilivere.
- Xa abatyali-mali bezama ukuthenga nayiphi na imveliso ye-bullion, efana nengqekembe yesilivere yaseMelika eyaziwa ngokuba yi "Silver Eagle," baya kufumanisa ukuba ixabiso lesilivere liphezulu kunexabiso lesilivere ngenxa yeepremiyamu ezibekiweyo. Ngaphezu koko, ukuba ibango liphezulu, iipremiyamu zinokunyuka ngokukhawuleza, zenze ukuthengwa kwe-bullion yesilivere ebonakalayo kubize kakhulu kwaye kutyalomali olunomtsalane.
Ukuthenga isilivere yokwenene
Eyona ndlela icacileyo yokutyala imali kwisilivere kukuphuma uye kuthenga isinyithi somzimba. Imivalo yesilivere iyafumaneka kuzo zombini iingqekembe kunye nefom yebha, kwaye uninzi lweengqekembe kunye nabathengisi bentsimbi abaxabisekileyo banikezela ngemivalo yesilivere ngobukhulu obahlukeneyo kunye neefomathi. Ngokwesiqhelo, unokufumana iinkozo zemali kunye nemivalo encinci njengeoyunce enye, okanye iibarion ezinkulu ezinkulu njengeeewun 1.000.
Ukuba nemivalo yesilivere kunenzuzo yokuba ixabiso lazo lilandela ixabiso lentengiso lesilivere ngokuthe ngqo. Nangona kunjalo, kukho inani eliphantsi. Okokuqala, uya kuhlawula ipremiyamu encinci ukuze uthenge isilivere kubarhwebi, kwaye kuya kufuneka usamkele isaphulelo esincinci xa uthatha isigqibo sokuyithengisela umrhwebi wakho. Ukuba ulindele ukugcina isilivere yakho ixesha elide, ke ezo ndleko aziyonto enkulu, kodwa kwabo bafuna ukurhweba rhoqo, zibiza kakhulu ukuba zithwale amaxesha amaninzi ngokulandelelana. Ukongeza, ukugcina imivalo yegolide kubandakanya imingeni ethile yokuhamba kunye neendleko ezongezelelweyo.