Igolide lingaba yindlela eqinile yokutshala kwakho imali. Awukwazi ukutshala imali oyongile kuphela emakethe yamasheya noma ezimakethe ezinezici ezifanayo. Kukhona ukuphila ngale kwazo, futhi enye yezimakethe ezihlukile ezimele kakhulu yileyo yensimbi ephuzi. Imvamisa iyaguquguquka kakhulu, futhi ingenza inzuzo enkulu yemali, njengoba nje ulahlekelwa yimali eningi. Akusizi ngalutho, yingozi okufanele uyithathe uma ufuna ukukhetha lokhu kutshalwa kwezimali okuhlukile kusukela manje kuqhubeke.
Emashumini eminyaka adlule, le mpahla yezezimali isebenze njengendawo ephephile yokubhekana nezikhathi zokungazinzi komnotho, ezepolitiki noma zenhlalo. Ngezikhathi zokucindezeleka kwezomnotho, bekuwukubheja okuphephile ukwenza ifa libe nenzuzo, futhi futhi ngempumelelo enkulu. Izinto zishintshe kakhulu eminyakeni edlule. Futhi le ndima eyibambile ekutshaleni imali isinyamalale kakhulu. Kubuswa ngisho ngaphansi kwemingcele ehlukile kunalokho okwenziwa ngawo-80s.
Kepha uma, naphezu kwakho konke, usenentshisekelo yokutshala imali yakho eminikelweni yensimbi yegolide, qhubeka, ngoba iminyango emisha ivulekile ukukhulisa umcebo wakho minyaka yonke. Ngokolunye uhlangothi, kufanele wazi ukusebenza ezimakethe zabo zezezimali, kubhalwe kanjani, futhi kuze kube yiziphi izikhathi ezifanele kakhulu zokuthatha isikhundla kule nsimbi eyigugu. Lapho lesi simo sicaca kuwe, kuzoba isikhathi lapho kuyodingeka ucabangele ukuthi ukwenza imisebenzi ibe semthethweni kanjani.
Ungayitshala kanjani imali oyongile?
Uma ukhetha le mpahla yezezimali ngokwenza kahle, kufanele wazi ukuthi unezinye izindlela eziningi zokwenza imisebenzi yakho ibe semthethweni. Hhayi okukodwa kuphela, kepha okuningana nokuhlukile, okuzoba okufanele kakhulu ngokuya ngephrofayili yeklayenti oyethula njengokuqinisekisa. Kusuka emakethe yamasheya, kuya kwezinye izimakethe ezihlukile, futhi ngisho ukuhlanganisa nezinye izimpahla zezezimali, ivela ikakhulu emholweni ongaguquguquki futhi oguquguqukayo.
Futhi uzoba nethuba lokuthenga igolide langempela, ukusizakala ngezinzuzo eziningi ezibandakanya lokhu kuqashwa. Kodwa-ke, kufanele wazi ukuthi ngalesi sikhathi ukuvela kwale mpahla yezezimali akukho esimweni sayo esihle kakhulu, kude nayo. Njengomphumela wesidingo esiphansi sensimbi, intengo yayo ezimakethe ibicace bha, iminyaka eminingana.
Ngaphandle kwendlela esetshenziswayo njengamanje, abekho abahlaziyi bezimali abambalwa abadalula ukuzinza okuzayo kwamanani abo okungasebenza njengabasizi, futhi ngale ndlela, benze ushintsho esimweni esizothatha insimbi ephuzi iye emazingeni anwebekayo kakhudlwana. Kusukela kulo mbono bancoma thatha isikhundla ensimbi eyigugu kula mazinga, yize kuhlala kunokuqapha okuthile, futhi kuvikela ngokwanele ukonga.
Uma lona kungumbono wakho, sikunikeza ezinye izindlela ezahlukene okufanele uzitshale kule nsimbi. Ngezindlela ezijwayelekile ezimweni eziningi, kepha kokunye uzoshaywa ngukuqala kweziphakamiso. Ukuze ufinyelele esiphethweni sokugcina sokuthi kukhona impilo engaphezu kwamanani wendabuko.
Isiphakamiso sokuqala: tshala igolide emakethe yamasheya
Kungaba yisixazululo esilula kakhulu uma ungeyena uchwepheshe omkhulu wokusebenza kwezinye izimakethe. Kanjani? Yebo, kulula kakhulu, ukuzama ukwenza izimpahla zakho zinenzuzo ngezinkampani ezixhumene nokukhiqizwa kwale nsimbi eyigugu. Okubi kakhulu ukuthi kuzofanele ushiye izimakethe zethu zikazwelonke ukuthenga amasheya, ngoba ezimakethe eziqhubekayo zaseSpain azikho izinkampani zalezi zici. Indawo okuyiwa kuyo ngokuqinisekile izoba izimakethe zamasheya zomhlaba jikelele ezisebenza kakhulu kulolu hlobo lomsebenzi: i-United States neGreat Britain, ikakhulukazi.
Kunoma ikuphi, kufanele usho ukuthi ubhekene namagugu angajwayelekile. Ziyashintsha kakhulu, ngamamajini abanzi kakhulu phakathi kwezintengo zayo eziphakeme nezincane, nasesikhathini esifanayo sokuhweba. Akungabazeki ukuthi bangakusiza ukuthi ukhulise ngokushesha ingcebo yakho yangasese, kepha futhi ulahlekelwe ngamasonto ambalwa. Ngaphezu kwalokho, lapho kuthatha izikhundla ezimakethe zomhlaba, amakhomishini azokhuphuka kakhulu, okwenza izindleko zokugcina zomsebenzi zibize kakhulu.
Isiphakamiso sesibili: ngezimali zokutshala imali
Uma kuwe ungenaso isipiliyoni esidingekayo sokusebenza ngensimbi ephuzi, ngeke ube nenye indlela ngaphandle kokuya kweminye imikhiqizo yezimali ephephile futhi engaqondile ngqo. Indawo okutshalwa kuyo imali ingaba izimali zokutshala imali. Kodwa kanjani? Ngokusebenzisa amamodeli ahlukile afaka ukuma kule mpahla, kepha ukuyihlanganisa nezinye ezivamile. Phakathi kwabo, labo abavela emalini engenayo engaguquki neguquguqukayo, ukuze bahlukanise ngokufanele ngokwengeziwe iphothifoliyo yakho yokonga.
Ngale ndlela, ukuvezwa kwakho kwigolide ngeke kube okuqondile, noma okuyingozi, futhi uzokwazi ukuvimbela ukwehliswa okungenzeka kunakho kwezinye izingxenye zephothifoliyo yokutshala imali. Ungaziqasha lezi zimali ebhange lakho elijwayelekile, futhi kungabi namakhomishini anwebe ngokweqile. Ukuba, kunoma yikuphi, imodeli yokutshala imali ehloselwe isikhathi esiphakathi nesikhathi eside sokuhlala unomphela, nethuba lokuthola imbuyiselo yonyaka esondele ku-10%.
Isiphakamiso sesithathu: ukukhetha ama-ETFs
Enye indlela izimakethe zezezimali ezikuvumela ngayo ukuthi utshale igolide ngokubhalisela ama-ETFs. Le yimikhiqizo yezimali ebonakala ngoba iyizimali zokutshala imali ezibalwe emakethe yamasheya, futhi njengamasheya, ukwazi ukuthenga nokuthengisa phakathi neseshini.
Angenye yamathuluzi aluleke kakhulu wokutshala imali kule nsimbi eyigugu. Kunoma ikuphi, kuyindlela elula yokutshala imali kule mpahla yezezimali, ngomklamo ongelula ngokwedlulele ohlangabezana nezimpawu zezimali nezitoko.
Inikeza ngamamodeli angenamkhawulo ukufeza izifiso zakho zokuthola ukusebenza okungcono, nokuthi ungayiqasha futhi ngaphandle kokushiya imingcele yethu. Ngamakhomishini ancintisana kakhulu kunalawo akhiqizwa ngamasheya, ngisho nokufinyelela okunikezwayo okungenakubalwa ngamanani angabizi kakhulu. Akumangalisi ukuthi abatshalizimali abanolwazi oluningi bakhetha lelisu esifisweni sabo sokuthola imbuyiselo ethokozisayo minyaka yonke.
Isiphakamiso sesine: ukuthenga igolide elibonakalayo
Akudingeki ukuthi uye ezimakethe zomhlaba uma ufuna ukutshala imali yakho. Ungathenga ngokomzimba kulezi zimpahla, futhi ngendlela yangempela. Ngakolunye uhlangothi, ukuthenga imigoqo yegolide ongayigcina, kungaba sekhaya, noma ngamabhokisi ediphozi aphephile anikezwa amabhange amaningi. Ngethemba lokuthi intengo yabo izokwazisa, futhi ungabathengisa ngokuhamba kwesikhathi ngenani elingcono.
Ngakolunye uhlangothi, ngokusebenzisa i- ukutholakala kobucwebe (amawashi, amasongo, amabhenge, izindandatho, njll.). Isiko lonke lokukhombisa uthando kwabathandekayo kakhulu. Futhi lokho nganoma yisiphi isikhathi, ungathengisa ukuze wenze inzuzo ekuthengeni. Kodwa-ke, leli su elikhethekile kakhulu lokutshala imali lizokhawulelwa kakhulu, futhi kuphela uma unamandla amakhulu okuthenga lapho uzokwazi ukuwenza ngokusemthethweni kusukela manje kuqhubeke.
Isiphakamiso sesihlanu: izinhlamvu zemali zegolide
Ithuba lokugcina lokuthi izimakethe zikunikeze ngokuqoqa, ukuthola izinhlamvu zemali hhayi ngegolide kuphela, kepha nakwisiliva. Zikunikeza ukuthi ujabulele i-numismatics, futhi zenze lokhu kuzilibazisa kube nenzuzo eminyakeni embalwa ngemuva kokuthuthukisa umdlalo wakho. Kungaba ngokuthengisa okukhethekile kwalezi zinhlamvu zemali, noma ngokumane ube yinani olilawulayo ongalinika iqoqo lakho. Ngamafuphi, kuyindlela yangempela, futhi iyindlela entsha yokwanelisa lesi sifiso somuntu siqu. Ngaphandle kokubandakanya, ngokungafani namanye amasu, ukukhishwa kwemali okudinga kakhulu. Ngisho nokutshalwa kwemali kungaba kuncane.
Isiphakamiso sesithupha: Tshala imali ngegolide ngama-CFD
Ezweni lanamuhla lomhlaba jikelele, kunezindlela eziningi zokutshala imali esiyitholile eminyakeni edlule ngokuzikhandla nangokuzinikela. Kufanele kucaciswe ukuthi ngaphandle komqondo wokutshala imali alikho ibhizinisi, futhi lokho ukuthi ukuze uzuze inzuzo kuzofanele ubeke imali yakho emakethe yamasheya esivele isaziwa (amabhondi, izimali, amasheya) noma ufake ezinye izindlela ezithokozisayo ezifana leyo yemisebenzi yobuciko, ubucwebe, uwoyela oyigugu, isiliva noma igolide.
Ukwenza imisebenzi nokuthola inzuzo ezimakethe ezahlukahlukene, uzodinga ama-CFD, noma Isivumelwano Sokwehluka (kusuka kwinkontileka yesiNgisi yomehluko). Kuyinsimbi yokutshala imali exhumanisa amaqembu amabili ashintsha umehluko phakathi kwentengo yokungena nephumayo, ngokuya ngenani lamasheya okuvunyelwene ngawo. Enye yezinzuzo eziphakanyiswe kakhulu ezenze amaCFD adume kakhulu ukuthi yimikhiqizo evunyelwe, ngakho-ke, ukuze isebenze emakethe yamasheya, ngoba ayidingi yonke inhlokodolobha yokusebenza.
Igolide lingenye yezimpahla ezithakazelisa kakhulu ukuhweba kanye Ama-Gold CFD athandwa kakhulu futhi afundeka kalula. Igolide linokuguquguquka okukhulu futhi intengo yalo ibanzi, ngaleyo ndlela ivumela izinzuzo ngesikhathi esifushane. Ngasikhathi sinye, kuyaqhubeka nokuba ngenye yezinto ezinhle kakhulu izindawo zokukhosela ngezikhathi lapho umnotho ungathembeki kakhulu. Ukuthola lapho impahla isezingeni eliphansi, kungenye yezindlela ezisetshenziswa kakhulu kuma-CFD egolide, okukuvumela ukuthi ubuyise inzuzo, ngokushesha ngemuva kokukhulisa inani layo.
Ukutshala imali kwigolide sekuyithuba elihle kakhulu lenzuzo esikhathini esimaphakathi nesikhathi eside, kusukela lapho ziyizimpahla ngokwazo futhi ababophezelekile emnothweni wanoma yiliphi izwe. Ukunyakaza kwamanje kumagugu omhlaba kuya ngokuya kungazelelwe, ngakho-ke kufaka phakathi okunye ukutshalwa kwezimali, okufana negolide, kungasho ubungozi obuncane kakhulu.
Amathiphu wokuhweba insimbi yegolide
Njengoba kuyimodeli engajwayelekile, kuzodinga ukusetshenziswa kwemikhombandlela ehlukaniswe kahle yesenzo. Hhayi ngeze, ngeke nanini babuswe yimikhakha ejwayelekile yamasheya, ngisho neminye imikhiqizo yezezimali ehlukile noma yesibili. Ukukusiza ukuhambisa lesi sidingo ngempumelelo enkulu, sizokwethulela uchungechunge lokhiye oluzokuvumela ukuthi uthuthukise kangcono ukusebenza kwakho.
Ngenhloso ecace bha, futhi lokho akuyona enye ngaphandle kokuthi ungafinyelela ukusebenza okuphezulu kakhulu kusuka kwiminikelo yakho yezezimali. Kepha futhi ukuvikela kahle, ngoba empeleni, ungalahlekelwa yimali eningi uma utshalomali lungathuthuki njengoba ubulindele ezinhlelweni zokuqala. Ngaphandle kwanoma yisiphi isikhathi ukuqinisekisile ukwenza inzuzo, noma ngabe ubuncane, okungakunxephezela ngomzamo wemali ozoyithuthukisa.
- Kufanele ulandele intengo yale nsimbi njalo, futhi uzibekele izinhloso eziphansi emholweni wakho, noma ususe utshalomali kubhulogi, uma ukuvela kwalo kungekuhle ngokuphelele.
- Kufanele uye kumodeli emele izintshisekelo zakho, futhi ngokusho kwephrofayili yakho njengomtshali-zimali omncane, ngezinhlobonhlobo zeziphakamiso zazo zonke izinhlobo ezigcina le mpahla yezezimali engqondweni.
- Musa ukutshala yonke imali yakho etholakalayo kulolu hlobo lotshalo-mali, kodwa umnikelo ophelele kuphela ofinyelela ku-30% kuwo, ngenxa yengozi edalwe yimisebenzi yayo, ngamakhomishini abalulekile lapho wenza ama-oda wakho wokuthenga.
- Zama ukuhlanganisa lokhu kutshalwa kwemali namanye amamodeli ajwayelekile (kanye nomshuwalense) ukukunikeza ibhalansi engcono kuphothifoliyo yakho yokutshala imali, nokukuvikela ezimeni ezingezinhle neze ezimakethe zomhlaba
- Uma ungenalo ulwazi olwanele, kungcono ulahle umbono wakho, bese ukhetha eminye imibono, okungenani enokufunda okukhulu ngemisebenzi eyenziwe eminyakeni edlule.
- Futhi ekugcineni, kuzindle ngalokho Kuyimakethe ekhethekile kakhulu engabafanele bonke abatshalizimali abancane nabaphakathi.