Omunye wemikhakha ethinteke kakhulu yizindaba ezinhle ezingakhiqizwa emininingwaneni emikhulu ngokungangabazeki yinsimbi eyigugu. Akumangalisi ukuthi zithathwa njengendawo ephephile esebenzayo, futhi ngokweqiniso, ziphakama lapho izindaba ezinkulu, ze inqubomgomo yezimali noma ukuzethemba akulungile futhi kufanele kube okulungile. Lokho ukusho ukuthi imishini yakhona icacisiwe ngandlela thile futhi uma kungenjalo ayihlangene nokuthengwa nokuthengiswa kwamasheya emakethe yamasheya. Futhi ngenxa yalokhu, lolu hlobo lokutshalwa kwezimali okukhethekile kufanele lucatshangwe.
Ngalo mqondo, amanani entengo ensimbi yegolide abekhombisa ukuthambekela okucacile okuphezulu ezinyangeni ezedlule ngokungafani nezinye izimpahla zezezimali. Izipikili zivuliwe Amathemba amahle maqondana nokuhlaziywa kobuchwepheshe, imizwa kanye nokuma kwayo. Kepha kulo nyaka ukuguquka kwesimo kungahle kuhlangane okungenza ukuthi wenze utshalomali olubi kusuka ekubekeni kwakho kwezinye izinsimbi eziyigugu kakhulu. Ngokuqapha okuqhubekayo kokusebenza kusuka manje.
Mayelana nesici, ababalwa abahlaziyi bezezimali abanconyelwa kulo nyaka ukuthi abatshalizimali bavale zonke izikhundla ezivulekile ezinconyiwe. Futhi kwezinye izimo banakho Inzuzo etholakala kakhulu isondele kakhulu kuma-80%. Akunakulibaleka ukuthi abatshalizimali bensimbi basabele kabi kakhulu kwenye idatha emikhulu ekhishwe emasontweni adlule. Kuze kube seqophelweni lokuthi igolide selilahlekelwe cishe ngama- $ 30 nge-troy ounce ngemizuzu embalwa nje. Yize kuyadingeka futhi ukugcizelela ukuthi bafinyelele ezindaweni zobuchwepheshe ezibaluleke kakhulu ukuqhubeka ekukhuphukeni kwamanani abo.
Igolide: isimo sokutshala imali
Okokuqala, kufanele kugcizelelwe ukuthi igolide lisebenza kahle kuzo zombili izimo zokwehla kwamandla emali nokwehla kwamandla emali futhi lethulwa njengempahla engahlobene nokuvela kwedola. Lesi yingxenye okufanele ube nayo ukwenza imisebenzi ngempumelelo enkulu noma encane. Kulesi simo jikelele, kufanele kubhekwe ukuthi ukweqiwa kwemali okuthe xaxa emhlabeni wonke nokukhula kwemali etholakalayo (M3) kubangela ukwehliswa kwangempela kwemali yamaphepha. EYurophu, amanani enzalo angaphansi kwamandla emali ngakho-ke ahle. Ukukhula kokunikezwa kwemali nokwehla kwamandla emali yizizathu eziyinhloko zokuthi kungani “imali yamaphepha” ilahlekelwa inani nsuku zonke.
Kepha inkinga yakho enkulu ukuthi intengo yensimbi yegolide ikhule kakhulu eminyakeni emibili edlule. Futhi nganoma yisiphi isikhathi okunye okuhambisanayo kufanele kuvele ukulungisa, yize ingozi ukuthi lezi zinamandla amakhulu kusukela manje kuqhubeke. Ngoba njengoba abatshalizimali bazi kahle, akukho okuya phezulu noma phansi unomphela, okungenani kunabo bonke kulesi sigaba sezimpahla zezimali. Lesi ngesinye sezizathu zokuhlola ubungozi bokusebenza kule nsimbi eyigugu. Ngoba kuliqiniso ukuthi ungathola imali eningi kuzo, kepha futhi kukushiyele ama-euro amaningi endleleni.
Inani leShelter ngo-2020
Kunoma ikuphi, igolide liyi- inani lokukhosela esimweni esibucayi. Ngenkathi abahlukanisi bendabuko, njengamabhondi nezinye izitoko, ivame ukwehluleka ngezikhathi zokungezwani nokungazinzi ezimakethe, insimbi ephuzi ikhombise ukwenza ngcono imiphumela ngokwenzuzo enikezwayo, zombili ngezikhathi zokuzinza nokungazinzi kwezezimali eminyakeni yamuva. Lokhu empeleni kusho ukuthi uma izinto zingahambi kahle emnothweni wamazwe omhlaba kulo nyaka, kungaba yithuba lokubuyela ezimakethe eziyigugu zezinsimbi. Ngendlela enkulu yokuthi izimpahla zakho zingabongwa ngendlela emakwe kakhulu.
Esinye isici okufanele sisihlole ngalesi sikhathi ukuthi ukunyakaza kwabo kunamandla kakhulu. Kokubili maqondana ne- ukunyakaza okuphansi naphezulu futhi lokho kuzonquma impumelelo noma cha komsebenzi ngamunye kulezi zimakethe zezimali. Ngokombono, kubaluleke kakhulu ukuhlaziya ukuthambekela kwalezi zimpahla ezibalulekile zezezimali. Ukwazi ukuthi sinini isikhathi sokungena noma sokuphuma ezikhundleni zabo futhi ngale ndlela sivikele imali etshalwe kulolu hlobo lokusebenza ebudlelwaneni bethu nezwe lemali elihlale liyinkimbinkimbi.
Ukuhlaziywa kwemakethe
Uma kukhulunywa ngezinsimbi eziyigugu, hhayi kuphela ukuhlanzeka okuphezulu okubalulekile, kepha futhi nokwethenjelwa, ukuqina nokumelana. Kubalulekile ukuba nomhlanganyeli othembekile, oqeqeshiwe nonolwazi lokwenza lokho ukuhlaziywa okuningiliziwe kwezinto. Lesi yisici okufanele sinakwe lapho senza utshalomali, ikakhulukazi uma singafuni ukuthola isimanga esibi ngezikhathi ezithile ezinyangeni ezimbalwa ezizayo. Njengoba kungukutshalwa kwezimali abatshalizimali abancane nabaphakathi abangasetshenziswanga kakhulu kuko njengoba kwehliselwe emisebenzini ethile futhi ngakho-ke kufanele ilawulwe kakhulu kunezinye izimpahla ezejwayelekile noma zendabuko.
Ukusuka lapho kucatshangelwa khona izinhlobo eziningi zemikhiqizo, kufaka phakathi ukukhethwa ngokucophelela kwemikhiqizo eqediwe enama-alloys in igolide, isiliva, i-platinum ne-palladium, yakhelwe ngqo umkhakha wezinto zokuhloba. Enye yezinzuzo zayo ezifanele kakhulu ukuthi le mikhiqizo ayilahli inani eminyakeni edlule, nethuba langempela lokuthi lizobuye lilinganiswe ngokuhamba kwesikhathi. Ngale ndlela, kungaba ukuthenga okunenzuzo kakhulu okungasetshenziswa nganoma yisiphi isikhathi ukuhlinzeka ngemali ezimweni ezidinga ama-akhawunti wakho. Ikakhulukazi lapho inzuzo yezimakethe zamasheya ingahambi ngesikhathi esihle kakhulu sayo, ngokwehla kwamanani wamasheya.
Ngezimali zokutshala imali
Enye inketho abasebenzisi abangazithola ngayo yinkontileka yezimali zokutshala imali ngokususelwa ekukhiqizweni kwalokhu okubalulekile okubalulekile. Ngale ndlela, kungenzeka kakhulu ukuthola amamodeli ahlangabezana nalezi zici ezikhethekile futhi athuthukiswa izinkampani zokuphatha ezingaphandle kwemingcele yethu. Lapho okubaluleke kakhulu ukuqondisa utshalomali kumatemu amade kakhulu lapho inzuzo yalo yangempela ingaqoqwa khona. Ngenkathi ngakolunye uhlangothi, kwamanye amafomethi angahlanganiswa ngamanye amafa wezezimali. Kokubili kusuka kumasheya kanye nemali engenayo engaguquki noma ngisho nakwezinye izinhlobo zokutshala imali.
Kodwa-ke, amakhomishini abo aphakeme kunalawo ahlinzekwa yimali eyengeziwe yendabuko noma ejwayelekile yokutshala imali ngoba angafaka izindleko ezifika ku-3% kunani elitshaliwe. Ngalo mqondo, kubalulekile ukuhlaziya ukuthi ngabe lezi zimali ezikhethekile zokutshala imali zingaba nenzuzo ngempela ngenxa yezindleko ezikhiqizwe ekuphathweni noma ekugcineni kwazo. Ngokuba ngomunye wabaphezulu kunabo bonke ngaphakathi kwemikhiqizo yezezimali futhi lokho kungakhawulela inzuzo engatholakala kwizikhundla zabo. Lapho futhi kuzodingeka khona ukubhekelela ukuphathwa kwentela kulesi sigaba semikhiqizo yezezimali nokuthi kumugqa ofanayo nokuthengwa nokuthengiswa kwamasheya ezimakethe zezimali. Kepha ekugcineni kuzoba nguwe uqobo onesinqumo sokuwaqasha noma ungenzi imali oyongile izuze kusuka manje kuhlobo oluthile lokutshalwa kwemali.
Ukutshalwa kwezimali ku-bullion yegolide nezinhlamvu zemali
Igolide yi- inani lokukhosela esimweni esibucayi nokuthi, ngenkathi ezinye izinketho zokutshala imali ezinjengezibopho nezitoko zivame ukwehluleka izikhathi zokucindezeleka nokungazinzi Ezimakethe, insimbi ephuzi ikhonjisiwe ukuthi ithuthukisa imbuyiselo yotshalomali, zombili ngezikhathi zokuzinza nokungazinzi kwezezimali eminyakeni yamuva. Kepha okunye okukhethwa kukho abatshalizimali abancane nabaphakathi abanakho phambi kwabo kungamabha egolide nezinhlamvu zemali. Ngukutshalwa kwezimali kwasekuqaleni, kepha kungaba nenzuzo enkulu kulo nyaka omusha.
Ngalo mqondo, ungatshala igolide ngokusebenzisa i-bullion, ngezindlela ezahlukahlukene noma amafomu, futhi nangezimali zemali, noma ngabe lokhu kubalulekile ukuthi kube yithenda elisemthethweni ezweni lendabuko nokuthi lithengiswa ngentengo ungeqi ku-80% inani legolide emakethe yamahhala. Ungathenga imikhiqizo ehlukile yalezi zici, kusuka kumabha egolide angama-5 kuya ku-2.000 300 amagremu, angakhishwa phakathi kwama-euro angama-15.000 kuya kwayi-250; izinhlamvu zemali eziyigugu, phakathi kwazo okuvelele phakathi kwe- "Kruger Rand" noma i- "Maple Leaf", futhi engathengwa kuma-euro angama-XNUMX.
Ngalesi sikhathi, kule makethe yezimpahla zezimali, imigoqo eyenziwe ngegolide nesiliva iyatholakala ngemiklamo ehlukile nokuqedwa kwekhwalithi ephezulu kakhulu. Imigqa yabo eqondile, izinhlamvu eziphrintiwe nobuhle kuyo yonke imininingwane, kwenza lolu hlobo lwe-ingot lufaneleke kakhulu ekubhekaneni nekusasa ngokuzethemba nokudlulisa ukuphepha ezizukulwaneni ezizayo.