Ukuba into oyifunayo kukwazi okungakumbi malunga indlela yokwenza imali kwigolide kwaye ungasileli kwilinge, Kuya kufuneka ugqibe ukufunda eli nqaku, iingcali kwicandelo ziyayazi loo nto utyalo-mali kwigolide kukubheja okukhuselekileyo ngenxa yokuba ixabiso layo alize lijongelwe phantsi, linokuphela kwalo ngokuchasene nokukhathalela igolide esezibhankini okanye ukuyikhusela esefini.
Kwakhona, xa utyala imali zininzi iindlela zokwenzaKe ngoko, umtyali mali ufumana ifomyula yakhe kwindlela yokufumana elona thuba lilungileyo xa utyala igolide.
Amaziko emali, oorhulumente besizwe kunye nabatyali mali Ngamandla aphezulu okuthenga, bahlala bekhetha ukuthenga igolide ebonakalayo, nokuba yi-bullion okanye iingqekembe, kodwa kuhlala kukho umngcipheko wokufihlwa. Enye indlela engenabungozi kangako kukuba izatifikethi zokufaka idipozithi kuba akuyomfuneko ukuyigcina ngokwasemzimbeni. Ngale ndlela, Umtyalomali ufumana ubunini begolide oyibhatalele ngaphandle kokuyifumana ngokwasemzimbeni.
Izitshixo zotyalo mali kwigolide ikakhulu:
- Igama elithile
- Ukugcina
- Utywala
- Ixabiso lentengo
Ngoqoqosho oluguquguqukayo oluye lwenzeka mva nje kwaye amanani abomvu athumela Utshintshiselwano lwesitokhwe kwihlabathi liphela, kongezwe kwizivuno zengeniso esisigxina kumanqanaba obungqina, igolide isebenza njengendawo yokusabela kwezoqoqosho kunye nokhuseleko kutshintshiselwano.
Ixabiso legolide lenyuka malunga ne-15% okoko kwaqala unyaka kwaye ugqithile kwinqanaba elingaqhelekanga leedola ezili-1.200 ngeyunce.
Kubatyalomali abanamava, ayisiyiyo kuphela into yokhetho yesintu yokukhusela imali yakho; kodwa ikwasebenza njenge indlela eluncedo kakhulu yotyalo-mali, ngoku kukho umzuzu wokungaqiniseki okukhulu, igolide lolona khetho lubalaseleyo kuba ayinangqamaniso nexabiso lesitokhwe okanye iibhondi.
Ngaphezulu kokulindelweyo Ukuhlaziywa kumaxesha amafutshane kunye nexabiso layo lobuchule kwihlabathi lezezimali, abatyali mali babucala abazinikeleyo tyala imali kweli candelo, banamanani amaninzi kakhulu anokukhetha ukukhetha indlela yokutyala imali kwigolide.
Ukukhetha eyona ndlela ilungileyo, i Izitshixo zokuphumelela zikwizinga lokuhlawula amatyala, ixesha, iindleko ukugcinwa, ukugcinwa kwesinyithi, umthamo oza kuthengwa, iikhomishini kunye neendawo zokuthenga kunye nentengiso.
Ukuthengwa kwegolide ebonakalayo.
Yeyona ndlela isetyenziswa kakhulu abatyali-mali ngabanye kwihlabathi liphela. Iingcali zicebisa ukufumana igolide ebonakalayo kwabo bathenga ubungakanani bexesha elide. Enye yeengxaki eziphambili yile iindleko zokuthenga, iindleko zokugcina kunye nokukhuselwa, Kodwa kukho iinkampani ezikhethekileyo kula masebe ezivumela ukunciphisa iindleko kakhulu.
Apmex, Auvesta okanye iLingoro Abanye babathengisi bentsimbi abaziwa kakhulu kushishino, bevumela abatyali mali babucala ukuba benze idiphozithi yegolide ekhuselekileyo neyomzimba.
Uninzi lwezi nkampani zikuvumela ukuba Ukuhambisa okanye ukuthengisa igolide naphi na emhlabeni nangaliphi na ixesha ngezixa eziqala ngegrama enye, eqinisekisa ngokhuseleko lotyalomali oluya kutyala imali ngalo.
Ezi nkampani zabucala zikwabonelela ngezisombululo ingxaki yokugcina intsimbi.
Los abathengisi abakhulu begolide Baseke izivumelwano kunye nezivumelwano namazwe aphesheya ezinje ngeNyakatho Melika yaseBrinks ebonelela ngeendleko zokukhuphisana ukuze kuthethathethwane ngokukodwa.
INgxowa-mali yoThengiso yoThengiso
Okanye iimali zokurhweba ngokutshintshiselana, zezinye iindlela ezinokubakho zokurhweba ngegolide.
Ngale ii-ETFs, iinkampani zisebenzisa isinyithi njengesiseko, ziphinda-phinda indlela eziziphethe ngayo. Inkqubo ye- Ii-ETF zibekwa nje, lolona khetho lufanelekileyo kutyalo-mali lwexesha elifutshane kwigolide, nakwabo bakhetha ukukhusela utyalomali lwabo xa amaxabiso eebond kunye nezitokhwe zisiwa. Oku kuqinisekisa ukungafihli ngokupheleleyo kunye nokuphepha utyalomali kunye nolawulo lokuthenga igolide ebonakalayo, kunye nokukhuselwa kunye nokugcinwa kwayo. Ezinye zeenkampani ezidumileyo ezenza oku Uhlobo lokhetho, ziyiZKB Gold kunye ne-SPDR Gold Shares.
Iimali zotyalo-mali
Nangona ulwalamano olunalo nexabiso langoku lesinyithi esimthubi luphezulu ngandlela ithile, kukude kakhulu kumanqanaba omngcipheko obandakanyekayo kuthengiso lomzimba. Ezi mveliso zenzelwe ukuba utyalomali kwiinkampani ezikwishishini lokomba imigodi yegolide, Ke ngoko, uguquko lwezi zinto luxhomekeke kwizinto zangaphandle, umzekelo woku yindawo yemigodi apho kuhloswe khona ukukhupha okanye umgangatho wolawulo. Ke ngoko, lukhetho olucingelwayo ngakumbi, kodwa kunye nokufumana umvuzo.
Izatifikethi kunye neemvume
Kulabo batyalomali baphambili kwaye banamava. Bayafumanana izatifikethi kunye neemvume. Ezi zatifikethi ziyimveliso kuluhlu kwi stock eliphinda ixabiso lempahla eluhlaza. KwiMadrid Stock Exchange, umzekelo, Imveliso yeSociété Générale ithengiswa rhoqo kubhekiswa kwiTroy ounce yegolide, umlinganiso wamazwe aphesheya ukulungisa ixabiso legolide kwintengiso Kwelinye icala, sinemvume, ekuvumela ukuba usebenze ngombane.
Iingcebiso zokuthenga igolide
Eyona nto ibaluleke kakhulu ekuthengeni igolide kukuqinisekisa ukuba ukusulungeka kwayo kulungile, kuthathelwa ingqalelo ukuba i-999 yeyona iphezulu kwaye, kwimeko yokuba yi-bullion, ukuba inophawu olwamkelweyo kwihlabathi liphela, njenge-Sezobucwebe Isilivere, ekuphela komgangatho waseSpain onesitifiketi samazwe aphesheya se- ukuthengiswa kwemivalo yegolide.
Kukwabaluleke kakhulu ukufumana i-invoice, kuba ukongeza ekubeni unyanzelekile ngeendlela ezisemthethweni, kuphela kwendlela yokwazi imvelaphi yesinyithi. Ukongeza, kuyacetyiswa kakhulu ukuba kwimeko yeengots banazo isatifiketi senkampani eyenzileyo apho ubunzima, umthetho, uphawu, inombolo yesazisi kunye nomhla wokwenziwa okufanayo kubonisiwe.
Ngokubhekisele kubunzima, kuhlala kufanelekile ukuqaphela ukuba, ubuninzi obukhulu, kokuncinci kuhlala kuyinto eqhelekileyo hlawula nganye iigrama zegolide, Kucetyiswa kakhulu ukuba uthenge imivalo eyi-100, 500 okanye i-1.000 XNUMX yeegram.
Ukuthenga Iingqekembe
Njengedatha yokuqala Iingqekembe zifumana ixabiso lazo elipheleleyo ngamaxabiso ama-2; Ixabiso lesinyithi eliqulethe igolide okanye isilivere kunye nexabiso le-numismatic. Iingqekembe ezikumgangatho ophezulu okanye ezinokubaluleka kwezembali, zinepesenti ephezulu yexabiso lenani, ezenza ukuba zibe lukhetho olungafanelekanga kumtyali mali omtsha, ezi zinto zifunyanwa ngokubanzi ngabaqokeleli okanye iingcali ngalo mbandela.
Ukwenza ngempumelelo ukuthengwa, kufuneka Nxibelelana nabathengisi abaziingcaliKwelinye icala, le misebenzi ihlala ibiza, kuba ukutyalwa kwemali kuhlawuliswa ngokubanzi. Kwaye ilula kakhulu, ukuba umthengisi oneenqobo ezisesikweni ezincinci, apho zihlala zininzi kweli candelo, ukuthengisa iingqekembe ngesixa segolide esincitshisiweyo ngaphandle kokuba umthengi engaqapheli.
Kule meko kubalulekile ukuba umthengi azi ukuba Itrone ounce ilingana ne-31,10 yeegram ezintle zegolide kwaye uhlawula umthengisi ngegolide ephethe ingqekembe, hayi ngenxa yesisindo sayo.
Olona khetho lukhuselekileyo xa kuziwa Ukutyala imali kwiingqekembe zegolide yiKrugerrand yaseMzantsi Afrika, enobunzima be-33 yeigram kwaye ine-31,10 yegolide ecikizekileyo ebilutyalo-mali ngelahleko encinci.
Ezinye iingqekembe ezicetyiswayo, ukusulungeka kwazo kunye nexabiso lazo kwimarike, ingayingqekembe yaseTshayina ebizwa ngokuba yiPanda, North American Eagle, Canada Maple, Australian Lunar Calendar, Mexican Centennial, Austrian Philharmonic okanye i-Britannia yesiNgesi, kwaye urhwebo ngamaxabiso afana negolide kwaye lwenziwa yi Mint yamazwe ahlukeneyo okupeyinta anesiqinisekiso sobunyani.
Igolide yexesha elizayo
Phakathi izibonelelo ezinikezelwa ligolide kwikamva lezoqoqosho kukuba umahluko phakathi kokuyithenga kunye nokuyithengisa usezantsi kakhulu. Ixabiso esinokuthenga ngalo igolide lingaphezulu kancinci kunexabiso esinokulithengisa ngalo. Incinci loo mahluko, iya kuba lixesha lokuba thenga okanye uthengise igolide ukuba ufumene.
Esi sixhobo sisetyenziswa ngabarhwebi bexesha elifutshane. Kunzima ukuyiqonda kakuhle kwaye kufuneka uyazi kakuhle imihla yokuzivocavoca, imihla yokuphelelwa kwayo kunye notshintsho olwenzeka ngokukhawuleza kwimali yotshintshiselwano.
Iimali zotyalo-mali ezityala kwizabelo zeenkampani zemigodi:
Oku kukholelwa ukuba yiyo Olona khetho lufanelekileyo kutyalo mali lwabucala Ngubani ofuna ukungena kwishishini legolide, ngenxa yexabiso eliphantsi lotyalo-mali olufunekayo.Kodwa kuya kufuneka uyazi ukuba ukhetha ixesha elifanelekileyo lokungena nokuphuma. Ayilotyalo-mali olulula kuba ezi ntlobo zeenkampani zihlala ixesha elifutshane kwaye zinokuguquguquka okuphezulu kakhulu kwiziphumo kunye namaxabiso.
Ezi ntlobo zeemali zinobungozi ngakumbi kunengxowa mali yotyalo mali yesiqhelo tyala imali kwi-IBEX 35 okanye kwi-Eurostoxx 50, umzekelo. Kufuneka kwakhona kukhunjulwe ukuba kwezi mali kukho umngcipheko wokungazinzi kwemali esinokukusebenzisa ukusinceda okanye ngokuchasene nathi.