Uma kukhona impahla yezezimali egcina ukuthambekela okucacile okuya phezulu ngesikhathi se- ukunwetshwa kwe-coronavirus akuyona enye ngaphandle kwegolide. Kusukela ikusasa elicashunwe kutshe eliyigugu elibuyise u-15% kusuka kufulethi lonyaka ababhalise ngalo ngoMashi 19, phakathi nengozi yemakethe yamasheya. Ngomkhuba obheke phezulu ongamema abatshalizimali abancane nabaphakathi ukuthi bathathe izikhundla. Ikakhulu, uma kunikezwe ukungazinzi ukuthi izimakethe zokulingana emhlabeni wonke zikhona kulezi zinsuku. Ukufika lapho ukuthi futhi insimbi ephuzi isibe yinani lesiphephelo elifanele kakhulu. Ukuheha ingxenye enhle yokugeleza kwemali okuhambisa imali yokutshala imali.
Ngalesi sikhathi esiqondile akungabazeki ukuthi ukufaka imali kule nsimbi eyigugu kungokokuqala ocwaningweni lokuthengwa kwemali futhi lapho kuncintisana njengesiphephelo ngokunikezwa okukhulayo kwesikweletu esivela e-United States. Ngethuba eliphakeme kakhulu lokuthi lingaba nenzuzo egculisayo, okungenani phakathi nakho konke okusele kulo nyaka onzima kakhulu kubatshalizimali abancane nabaphakathi. Ngaphandle kokuthi ukulungiswa okuthile kungahle kwenzeke ngalesi sikhathi futhi lokho kungasiza ukungena kulo makethe ngegolide eliphuzi. Njengoba abahlaziyi bezimakethe zezimali befunda.
Ngenkathi ngakolunye uhlangothi, kungakhohlwa ukuthi ngaphakathi kwezinsimbi eziyigugu kukhona i- anhlobonhlobo imikhiqizo, kufaka phakathi ukukhethwa ngokucophelela kwemikhiqizo eseqedile ukwenziwa ngama-alloys egolide, isiliva, i-platinum ne-palladium, enzelwe umkhakha wezobucwebe kuphela. Ngaphandle kokukhawulelwa kuphela kulokho okunikezwayo kwendabuko ngegolide ngale nsimbi ebonakalayo nangezimali zokutshala imali ezisuselwa kule mpahla yezezimali ngokuhamba phambili. Kuyisu lokutshala imali elingaba nenzuzo enkulu ngesikhathi lapho kutholakala ukungabaza kuzo zonke izinhlobo zamaphrofayili womsebenzisi.
Igolide ku- $ 1600
Inkinga yamanje yezomnotho neyezempilo umhlaba wonke odlula kuyo idale ukuthi intengo yensimbi ephuzi inyuke kakhulu kulezi zinsuku. Kufinyelela ezingeni lokufinyelela emazingeni anawo kuma-dollar ayi-1600 nge-troy ounce elilodwa futhi lelo yilokho okuphezulu eminyakeni eyisikhombisa edlule. Ngokubona kusengaphambili okungaqondiswa kuze kube cishe u- $ 2000 ngoba ingcindezi yokuthenga enamandla ikhona kumthengisi. Njengoba kungavamile ukubonwa eminyakeni yamuva futhi leso ngesinye sezizathu zokubona ukuthi le nkambiso isazoqhubeka, okungenani izinyanga ezimbalwa ezengeziwe. Uma nje ukungazinzi ezimakethe zokulingana emhlabeni kuhlala.
Ngalesi sikhathi, inani legolide liye lazisa kulezi zinyanga ezine zokuqala zonyaka cishe u-30%, ukuba yimpahla yezimali esungule ukusebenza okuhle kakhulu engxenyeni yokuqala yalo nyaka. Akumangazi-ke ukuthi sekube elinye lamasu angcono kakhulu okutshalwa kwezimali ukuthi abatshalizimali abancane nabaphakathi benze imali yabo etholakalayo ibe nenzuzo. Ukusuka lapho kungakhiwa khona iphothifoliyo elinganiselayo yezokuphepha ukubhekana nale nkinga yezomnotho ngamandla amakhulu. Okuthile okuthuthukayo nakwezinye izinsimbi eziyigugu, njenge-silver ne-palladium, phakathi kokunye okufanele kakhulu. Njengendlela yokubhekana nobudlelwano bethu nezwe lemali eliyinkimbinkimbi njalo.
Ungatshala kanjani ngegolide?
Indlela elula yokuthatha izikhundla kule mpahla yezezimali ebalulekile ngokusebenzisa i- izimali zokutshala izimali ngokususelwe kule mpahla yezezimali. Kanye namanye amamodeli wokutshala imali asiza ukuwahlukanisa ngemizuzwana embalwa ukuthi leli qhinga liyadingeka kakhulu ukonga ngendlela ephumelela kakhulu izintshisekelo zabaphetheyo. Ngaphezu kwalokho, banamakhomishini anomusa kakhulu kuzintshisekelo zabaphethe le mikhiqizo yokutshalwa kwabantu ngabanye. Ngamanani angcono kune, ngokwesibonelo, lapho uthenga futhi uthengisa amasheya emakethe yamasheya futhi ngaphandle kokuthi angaba nekhomishini engaphezu kweyodwa kumkhiqizo ofanayo noma esikhwameni sokutshala imali.
Ngenkathi ngakolunye uhlangothi, singakhetha nokuthengwa okungokwenyama kwe- legolide futhi lokho kungathengwa ngezindlela ezahlukahlukene ngokuya ngesidingo ngasinye sabatshalizimali. Kusuka kuzintengo ezinengqondo kakhulu ezivame ukuqala kusuka ku-100 noma ku-200 euros nge-ingot ngayinye kuya phambili. Ukwazi ngaso sonke isikhathi ukuthi abasoze balulaza noma yini eyenzekayo ezimakethe zezezimali. Ukuthola imbuyiselo engabaluleka kakhulu futhi ngaphezu kwamanye amasu okutshalwa kwezimali kubhekwe njengokujwayelekile noma okujwayelekile. Kulokho okufaniswa njengenye yezindlela zokunqoba le nkinga ngokubuka kotshalomali.
Igolide esikhwameni
Kunoma ikuphi, utshalomali lwale nsimbi eyigugu ngokugqamile lunenkinga enkulu yokuthi luyinkimbinkimbi ekutshalweni kwalo ngezimakethe zezimali. Ngamanye amagama, zimbalwa kakhulu izinkampani ezixhunyaniswe nale mpahla yezezimali. Kuphela lezo zinkampani ezixhunywe ekukhishweni nasekukhiqizweni kwale nsimbi ephuzi nokuthi ngaphezu kwakho konke ezibhalwe ezimakethe ze ILondon neNew York. Kepha awunakuthola izinkampani ezinikele ngqo kulolu daba oluyisisekelo, njengoba kunjalo ngeminye imikhiqizo yezezimali. Ngakho-ke, uzokhawulelwa kakhulu ezikhundleni ongazivula kusuka manje kuqhubeke.
Ngakolunye uhlangothi, iyatholakala nasezimalini ezidayiswa ngokushintshisana noma eyaziwa kangcono njenge ETFs okuwukuxubana phakathi kwezimali ezihlangene kanye nokuthenga nokuthengisa amasheya emakethe yamasheya. Yize kunamakhomishini anokuncintisana kakhulu ngezintshisekelo zabatshalizimali abancane nabaphakathi abazokwazi ukulungisa kangcono izikhundla zabo kule nsimbi eyigugu. Njengasemagunyeni, yize kulokhu kulokhu kuyingcosana ekunikezweni kwawo futhi lokho kungatholwa ngamabhange nabaphathi bezimali.
Kungani utshale igolide?
Abantu abaningi bayazibuza ukuthi kungani uqhubeka nokutshala imali kwigolide uma ingasasekeli izimali eziningi zomhlaba. Kodwa-ke, naphezu kwalokhu, le nsimbi iyaqhubeka nokuba nenani elibalulekile emnothweni wezwe. Lokhu kuyenza ibe ngenye indlela ebaluleke kakhulu kwezinye izinsimbi zezezimali.
Ukonga ngokutshala igolide kunconyelwa kakhulu kunokukwenza ngokushintshaniswa kwamanye amazwe. Lokhu akuhilelekile emiphumeleni yokwehla kwamandla emali, njengoba idola, i-euro nezinye zezimali zinjalo. Impela, kwesinye isikhathi ukubhekana nentengo yayo kwehla, kepha lezi azinzima kangako noma zihlala isikhathi eside. Ngenxa yalokhu, futhi kuthathwa njengenketho yobungozi obuphansi.
Enye into evuna abatshalizimali abasetha izinto zabo ngegolide yilokho kuyimpahla okukhona kwayo okulinganiselwe. Akekho umuntu "ongafaka" igolide njengoba kwenza ohulumeni ukufaka imali emnothweni wabo. Ukukhiqizwa kwale nsimbi kuhamba kancane kakhulu, ngenxa yalesi sizathu kunezinkathi lapho ukufuna kudlula kakhulu ukunikezwa futhi lokhu kunomthelela ekukhuphukeni kwentengo yayo.
Ukuncika kwakho kumazinga wenzalo
Yize kuliqiniso ukuthi amaCentral Banks athambekele ekwehliseni ukuthengisa kwawo futhi nokuthengwa kwawo kungabhekwa kabusha ngenxa yesimo samanani entengo, kubalulekile futhi ukuthi izinqolobane ezivela e-USA, Germany naseFrance zisenkulu kakhulu futhi lokhu kunciphisa amandla aphezulu egolide ngenxa yokuthengwa yiCentral Banks. Kunezimo ezimbili zenzalo ezibucayi. Amanani enzalo aphakeme futhi azinzile (ngoba akhulisa ukuthengisa okuya phambili ukwenza ama-balance sheet) kanye nokwehla okuphansi (okungadidaniswa namanani aphansi) ngenxa yezindleko zamathuba ezilahlekile ngokungatshalwa imali kumali engaguquki.
Kukhona amathuba okubona ukwanda komkhiqizo wezimayini. Hhayi ngamapulazi amasha kepha ngokukhiqizwa okuphezulu kwalawa akhona. Le ngozi incishiswa yizinzuzo eziphakeme izinkampani zezimayini zegolide ebezikhokha. Inqubomgomo yokutshalwa kabusha kwemali ibincane. Esinye isici sobungozi isisindo esinamandla ama-ETF nezinye izinsimbi ezisuselwa kuso entengo yegolide nasekungeneni nasekuphumeni kwale mpahla.
Ukwaziswa kwemali yaseMelika ngokubheka ukuhlangana okungekuhle okwethulwe ngokomlando ngegolide. Kubalulekile ukukhumbula ukuthi ukungazinzi kwezimali zegolide kuzungeze i-15%. Ngenkathi ngakolunye uhlangothi, amazinga aphezulu esilindele ukuthi igolide angama- $ 2000 ekupheleni kuka-2020 futhi ama- $ 2200 ngasekupheleni kuka-2021 anezinhlaka ezifanayo ukuthi ziyadingeka kodwa azinazo izinto ezanele. Uma kungahambisani nokwehliswa kwezindleko noma okungenani okuqukethe ezinkampanini zezimayini, indlela eya phezulu ingalinganiselwa.