Ingabe isiliva kuwukutshalwa kwemali okuhle? Kungani umuntu kufanele ayithenge? Kungokwemvelo futhi kuwukuhlakanipha ukuthi umtshali-zimali azibuze ukuthi ngabe impahla ethile ingukutshalwa kwezimali okuhle yini noma cha. Lokho kuyiqiniso ikakhulukazi ngesiliva, njengoba kuyimakethe encane kangako futhi ayinamandla adonsela phansi afana negolide.
Kukhona kungenzeka ukuthi uma unesiliva lomzimba, akulona uketshezi ngokushesha. Ngokwenza ukuthenga okuvamile njengokudla, awukwazi ukusebenzisa imigoqo yesiliva noma imali yesiliva, ngakho-ke kuzodingeka uyiguqulele kumali kuqala, futhi ikhono lokuthengisa ngokushesha kungaba yinkinga.
Kepha kuleli phuzu emlandweni, kunezizathu eziphoqayo zokufaka isiliva lomzimba kuphothifoliyo yakho yokutshala imali (futhi eyodwa kuphela ngoba intengo izokhuphuka). Nazi izizathu eziphezulu eziyishumi zokuthi kungani wonke umtshalizimali kufanele athenge i-silver bullion ...
Isiliva imali yangempela
Isiliva kungenzeka lingabi yingxenye yemali yethu, kepha kuseseyimali. Eqinisweni, isiliva, kanye negolide, kuyindlela yokugcina yemali, ngoba ayinakwenziwa ngomoya omncane (futhi ngenxa yalokho wehliswe) njengephepha noma amafomu edijithali. Futhi ngemali yangempela, sisho isiliva lomzimba, hhayi ama-ETF noma izitifiketi noma izinkontileka zesikhathi esizayo. Lokho ngukutshalwa kwamaphepha, okungaphethe izinzuzo ezifanayo ozothola kulo mbiko.
Isiliva elibonakalayo isitolo senani, njengegolide. Nakhu ukuthi kungani.
- Ayikho ingozi yokuphikisana. Uma unemali ebonakalayo, awudingi elinye iqembu ukufeza inkontileka noma isithembiso. Lokhu akunjalo ngamasheya noma ngamabhondi noma nganoma yikuphi okunye ukutshalwa kwezimali.
- Akukaze kwephulwe. Uma ungumnikazi wesiliva lomzimba, awunabungozi obuzenzakalelayo Akunjalo cishe kunoma yikuphi okunye ukutshalwa kwezimali okwenzayo.
- Ukusetshenziswa kwesikhathi eside njengemali. Ukuhlolwa komlando wezezimali kukhombisa ukuthi isiliva lisetshenzisiwe ekwakhiweni kwezinhlamvu zemali kaningi kunegolide!
Njengoba uMike Maloney ekubeka kumthengisi wakhe othengisa kakhulu, Umhlahlandlela Wokutshala Imali Kwigolide Nesiliva, "Igolide nesiliva kuye kwathokozelwa phakathi namakhulu eminyaka futhi kwafuneka iqhaza elifanele lizoziphendulela."
Ukuba nesiliva elithile uqobo kukunikeza ngempahla yangempela esebenze njengemali ngokwezinkulungwane zeminyaka ngokoqobo.
2 Isiliva elingokoqobo liyimpahla elukhuni
Kuzo zonke izimali onazo, zingaki ongaba nazo?
Emhlabeni wenzuzo yamaphepha, ezentengiselwano zedijithali nokwenziwa kwemali, isiliva lomzimba limahluke kakhulu kwenye yezimpahla ezimbalwa ongaziphatha noma kuphi ephaketheni lakho, noma uye kwelinye izwe. Futhi kungaba ngasese futhi kube yimfihlo njengoba ufuna. Isiliva elingokomzimba nalo liyisivikelo esibonakalayo kuzo zonke izinhlobo zokugenca nobugebengu obenziwa nge-inthanethi. Awukwazi 'ukusula' uhlamvu lwemali lwesiliva loKhozi, ngokwesibonelo, kodwa lokho kungenzeka ngefa ledijithali:
Isiliva lishibhile
Kuthiwani uma ngikutshela ukuthi ungathenga impahla enzima nge-1/70 intengo yegolide nokuthi izokuvikela ngokufanayo enkingeni?
Yilokho okutholayo ngesiliva! Iyabiza kakhulu kumtshali-zimali ojwayelekile, kepha njengensimbi eyigugu izosiza ukugcina izinga lakho lokuphila lihle njengegolide. Uma ungeke ukwazi ukuthenga i-ounce elilodwa legolide, isiliva kungaba ithikithi lakho kwezinye izinsimbi eziyigugu. Lokhu kuyiqiniso nangezipho. Awufuni ukuchitha ngaphezulu kwe- $ 1.000 ngesipho kepha ungathanda ukunikeza impahla enzima? Isiliva nje lenza lithengeke kakhulu.
Isiliva sisebenziseka kalula ekuthengeni okuncane kwansuku zonke. Isiliva alishibhile ukuthenga kuphela, lingasebenza kakhulu lapho udinga ukuthengisa. Mhlawumbe ngolunye usuku awufuni ukuthengisa ounce lonke legolide ukuhlangabezana nesidingo esincane sezezimali. Faka isiliva. Njengoba kuvame ukufika emahlelweni amancane kunegolide, ungathengisa kuphela lokho okufunayo noma okudingayo ngaleso sikhathi.
Wonke umtshalizimali kufanele abe nesiliva ngalesi sizathu.
Khumbula ukuthi izinhlamvu zemali nemigoqo yesiliva ingathengiswa cishe noma kuphi emhlabeni.
Isiliva lidlula igolide ezimakethe zezinkunzi
Isiliva limakethe elincane kakhulu, empeleni lincane kakhulu, ukuthi imali encane engenayo noma eshiya imboni ingathinta intengo ngezinga elikhulu kakhulu kunezinye izimpahla (kufaka phakathi igolide). Lokhu kuzinza okunyukile kusho ukuthi ezimakethe zebhere, isiliva liwela ngaphezu kwegolide. Kepha ezimakethe zezinkunzi, isiliva liyakhuphukela phambili kakhulu futhi lisheshe kunegolide.
Nazi izibonelo ezimbalwa ezinhle ... bheka ukuthi isiliva lenziwe kangakanani kunegolide ezimakethe ezimbili ezinkulu kakhulu zezinkunzi zezinsimbi eziyigugu zesikhathi sanamuhla:
Isiliva lisetshenziswa enanini elikhulu lezimboni nemikhiqizo, futhi okuningi kwalokhu kusetshenziswa kuyakhula. Nazi izibonelo ...
- Umakhalekhukhwini uqukethe cishe ingxenye yesithathu yegremu yesiliva, kanti ukusetshenziswa komakhalekhukhwini kuyaqhubeka nokukhula ngokungaphezi emhlabeni jikelele. UGartner, okuyinkampani ehamba phambili ocwaningweni lobuchwepheshe bolwazi nezeluleko, ulinganisela ukuthi isamba esingu-5.750 billion samafoni sizothengwa phakathi kuka-2017 no-2019. Lokhu kusho ukuthi kuzodingeka amagremu ayizigidi eziyi-1.916 esiliva, noma ama-ounces ayizigidi ezingama-57,49, ukuze kusetshenziswe lokhu kuphela.
- Isivikelo somoya sakho sokuzifudumeza seVolkswagen esisha sizoba noqweqwe lwesiliva olungacwebezeli olucekeceke esikhundleni sezingcingo ezincane. Bazoba nemicu engezansi kwefasitela lomoya ukushisa ama-wiper ukuze angabi yiqhwa engilazini.
- I-Instituto de la Plata ilinganisela ukuthi ukusetshenziswa kwesiliva kumaseli we-photovoltaic (okuyizinto eziyinhloko zamapaneli elanga) kuzoba ngu-75% ophakeme ngo-2018 kuneminyaka emi-3 edlule.
- Okunye ukusetshenziswa okujwayelekile kwezimboni zesiliva kunjengendlela yokukhuthaza ukukhiqizwa kwe-ethylene oxide (isandulela esibalulekile ekukhiqizeni amapulasitiki namakhemikhali). Amaphrojekthi we-Instituto de la Plata athi ngenxa yokukhula kwale mboni, kuzodingeka isiliva elingaphezulu kwama-2018% ngonyaka ka-32 kunalowo owawusetshenziswa ngo-2015.
Kunezibonelo eziningi ezinjengalezi, kodwa iqiniso ukuthi ngenxa yezimpawu zalo ezihlukile, ukusetshenziswa kwezimboni zesiliva kuyaqhubeka nokwanda, okusho ukuthi singalindela ngokufanele ukuthi lo mthombo wesidingo uhlale uqinile. Kepha leyo akuyona yonke indaba… ngokungafani negolide, isiliva lezimboni eziningi liyasetshenziswa noma libhujiswe ngesikhathi senqubo yokukhiqiza. Akukona ukonga ukubuyisa wonke ama-flake amancane esiliva avela ezigidini zemikhiqizo elahliwe. Ngenxa yalokho, lelo siliva lihambile unomphela, likhawulela inani lokuphakelwa okungabuyiselwa emakethe ngokusebenzisa kabusha.
Ukusetshenziswa kwezimboni
Ngakho-ke hhayi kuphela ukuthi ukukhula okuqhubekayo kokusetshenziswa kwezimboni kuzogcina isidingo sesiliva siqinile, kepha izigidi zama-ounces ngeke zisetshenziswe futhi. Lokho kungaba yinkinga, ngoba ...
Njengoba wazi, intengo yesiliva yehle ngemuva kokunyuka ngo-2011. Eminyakeni emihlanu eyalandela yehla ngama-72,1%. Ngenxa yalokho, abavukuzi kwadingeka balwe kanzima ukunciphisa izindleko ukuze benze inzuzo. Enye yezindawo eyancishiswa ngokumangazayo kwakuwukuhlola nokwakhiwa kwezimayini ezintsha zesiliva.
Akuthathi usosayensi we-rocket ukuqonda ukuthi uma kuchithwa isikhathi esincane nemali kuseshwa isiliva, kuzotholakala isiliva elincane. Lesomiso ekuhlolweni nasentuthukweni sesiqala ukuthatha umonakalo.
Njengayo yonke into emakethe, ukutshala imali ku-silver bullion kunakho kokubili okuhle nokubi, futhi okukhangayo komtshalizimali oyedwa kungenzeka kungabi yindlela enhle komunye.
Isiliva lisanda kuqhamuka onyakeni ochuma kakhulu kunalokhu elikubonile isikhashana, futhi njengoba intengo yesiliva inyuka, abatshalizimali abaningi abanentshisekelo emakethe yesiliva bayazibuza ukuthi manje isikhathi esifanele sokuthenga isiliva lomzimba. Iphothifoliyo yokutshalwa kwezimali.
Yize isiliva lingashintshashintsha, insimbi eyigugu ibuye ibonakale njengenetha lokuphepha, elifana negolide lodadewabo - njengezimpahla zokuphepha, zingavikela abatshalizimali ngezikhathi zokungaqiniseki. Ngokunyuka kwezingxabano, kungaba yindlela enhle kulabo abafuna ukugcina ingcebo yabo kulezi zikhathi ezinzima.
Ngalezi zici engqondweni, ake sibheke izinzuzo nezingozi zokuthenga imigoqo yegolide ebonakalayo ngesiliva.
Izinzuzo zokutshala imali ku-silver bullion
- Njengoba kushiwo, abatshalizimali bavame ukuthutheleka ezinsimbini eziyigugu ngezikhathi zenhlekelele. Lapho ukungaqiniseki kwezepolitiki nezomnotho kukhulu kakhulu, ithenda yezomthetho imvamisa ihlala esihlalweni esingemuva kwimpahla enjengegolide nesiliva. Ngenkathi zombili izinhlamvu zegolide nezesiliva zingakhanga kubatshalizimali, insimbi emhlophe ivame ukunganakwa ngokuthanda abantu abatshala imali kwigolide, yize idlala indima efanayo.
- Imali ebonakalayo - Yize ukheshi, amasheya ezimayini, amabhondi, neminye imikhiqizo yezezimali kuyizinhlobo zomcebo ezamukelwe, empeleni kusengamanothi ezethembiso ezidijithali. Ngaleso sizathu, bonke basengozini yokwehla kwenani ngenxa yezenzo ezifana nokuphrinta imali. Ngakolunye uhlangothi, i-Silver bullion iyimpahla ephelelayo. Lokhu kusho ukuthi yize kusengozini ekushintshashintsheni kwezimakethe njengezinye izinto, isiliva lomzimba akunakwenzeka ukuthi liwe ngokuphelele ngenxa yenani lalo elingokoqobo futhi langempela. Ababambiqhaza beMakethe bangathenga ama-bullion egolide ngezindlela ezahlukahlukene, njengemali yesiliva noma ubucwebe besiliva, noma bangathenga imigoqo yesiliva.
UChris Duane, umtshali-zimali kanye nenani le-YouTube, uthe ubeka insimbi yakhe emlonyeni wakhe ngokuvala izimpahla zakhe bese ebeka imali kwi-silver bullion lapho amanani ehla. Ukholelwa ukuthi uhlelo lwethu lwemali, nempilo yethu yonke, yakhelwe ezikweletini ezingabambeki, futhi inhloso yokutshala imali ku-silver bullion kanye nemakethe yesiliva ukuzikhipha ekuweni okungenakugwemeka kwezibalo kwalolo hlelo.
- Ishibhile kunegolide - Phakathi kwe-bullion yegolide neyesiliva, insimbi emhlophe ayibizi nje kuphela ngakho-ke ifinyeleleka kalula ekuthengeni, kodwa futhi iyasebenziseka kakhulu. Lokhu kusho ukuthi uma ufuna ukuthenga isiliva ngohlobo lwemali ozolisebenzisa njengemali, kuzoba lula ukugqashuka kunemali esetshenzisiwe yegolide, ngoba inenani elincane. Njengoba nje imali eyizigidi ezingama- $ 100 ingaba yinselele ukungena esitolo, ukukhipha inqwaba yemigoqo yegolide kungaba yinselele. Ngenxa yalokhu, i-silver bullion iyasebenza futhi isebenza ngezindlela eziningi kunegolide elibonakalayo, okwenza lolu hlobo lokutshalwa kwesiliva lukhange nakakhulu.
- Ngoba insimbi emhlophe ibiza cishe u-1/79 wentengo yegolide, ukuthenga i-silver bullion kuyabiza futhi amaphesenti aphezulu kakhulu wenzuzo angabonakala uma intengo yesiliva inyuka. Empeleni, esikhathini esedlule, isiliva belilikhipha phambili inani lentengo yegolide ezimakethe zezinkunzi, ngokusho kweGoldSilver. IGoldSilver ithi, kusuka ngo-2008 kuya ku-2011, isiliva lathola amaphesenti angama-448, kanti intengo yegolide yathola amaphesenti ayi-166 kuphela kuleso sikhathi. Kungenzeka ukuthi umtshalizimali abambe ukubheja kwakhe nge-silver bullion kuphothifoliyo yakhe yokutshala imali.
- Umlando usohlangothini lwesiliva - Isiliva negolide kuye kwasetshenziswa njengethenda elisemthethweni amakhulu namakhulu ezinkulungwane zeminyaka, futhi lowo mzila unikeza insimbi umuzwa wokuzinza. Abaningi bathola induduzo ngokwazi ukuthi le nsimbi eyigugu iye yahlonishwa ngokubaluleka kwayo kuwo wonke umlando wesintu, ngakho-ke kukhona ukulindela ukuthi izobekezelela inqobo nje uma imali ye-fiat ingahle iwele endleleni. Lapho abantu bebeka imali kusilivali uqobo, kungaba ngokuthenga ibha yesiliva, isiliva elimsulwa, uhlamvu lwemali, noma ezinye izindlela, kunesiqinisekiso sokuthi inani laso liqhubekile nokuthi lizoqhubeka nokuqhubeka.
- Isiliva linikeza ukungaziwa - Noma ngabe uyabazisa ubumfihlo bakho noma cha, isiliva linenzuzo efanayo neyokheshi, njengoba linikeza abasebenzisi isilinganiso esithile sokungaziwa maqondana nezindleko. Akuwona wonke umuntu ofuna ukuthi konke ukuthengiselana kwabo kube yingxenye yomlando womphakathi, futhi ubumfihlo buyinto edingekayo yentando yeningi, ngokusho kweTED Talk kaGlenn Greenwald. Lokho kungenye inzuzo kubatshalizimali abafuna ukuthenga i-silver bullion.
Ukwehla kokutshala imali ku-silver bullion
- Ukuntuleka kwempahla - Kunethuba lokuthi uma unemali ebonakalayo, kungenzeka ingabi uketshezi ngokushesha. Ngokwenza ukuthenga okuvamile njengokudla, awukwazi ukusebenzisa imigoqo yesiliva noma imali yesiliva, ngakho-ke kuzodingeka uyiguqulele kumali kuqala, futhi ikhono lokuthengisa ngokushesha kungaba yinkinga. Ekuminyaneni kwezimoto, izitolo ezidayiswayo kanye nama-jeweler kuyindlela ongayikhetha, kodwa hhayi imali ekhokhelwa kakhulu.
- Ukweba Ubungozi - Ngokungafani nolunye utshalomali oluningi, njengamasheya, ukubamba isiliva bullion kungashiya abatshalizimali besengozini yokwebiwa. Ukuvikela izimpahla zakho ekuphangeni usebenzisa isisefo ebhange noma isisefo ekhaya lakho kuzodala izindleko ezengeziwe. Futhi, izimpahla ezibonakalayo, kufaka phakathi ubucwebe besiliva, zihlala ekhaya lakho, iba sengozini enkulu yokwebiwa.
- Imbuyiselo ebuthakathaka ekutshalweni kwemali - Noma i-silver bullion ingaba yimpahla enhle ephephile, ingahle ingasebenzi kanye nolunye utshalomali - ngokwesibonelo, ingcebo, noma ezinye izinsimbi.
Amasheya ezimayini nawo angaba yindlela engcono kune-silver bullion yabanye abatshalizimali. Njengoba uRandy Smallwood, umongameli kanye noMphathi Omkhulu wenkampani yokusakaza iW Wheaton Precious Metals (TSX: WPM, NYSE: WPM), esho, "Izinkampani zokusakaza zizohlala ziphumelela izinkabi zodwa." Ubeka lokhu ekukhuleni okungokwemvelo kanye nezinkokhelo zokwahlukaniswa okunganikezwa yimigoqo yegolide. Ezinye izinketho zabatshalizimali abanentshisekelo ngesiliva zifaka nokutshala imali esikhwameni esidayiswa ngokushintshaniswa noma esizayo lesiliva.
- Lapho abatshalizimali bezama ukuthenga noma yimuphi umkhiqizo we-bullion, njengemali yesiliva yaseMelika eyaziwa njenge "Silver Eagle," bazosheshe bathole ukuthi inani lentengo lesiliva ngokuvamile liphezulu kunentengo yemali yesiliva ngenxa yamaphrimiyamu abekiwe. Ngabathengisi. Ngaphezu kwalokho, uma ukufunwa kuphezulu, amaphrimiyamu angakhuphuka ngokushesha, okwenza ukuthengwa kwe-bullion yesiliva ebonakalayo kubize kakhulu futhi kube nokutshalwa kwemali okungahehi kangako.
Ukuthenga isiliva langempela
Indlela ecacile yokutshala imali esiliva ukuphuma uyothenga insimbi ebonakalayo. Amabha wesiliva ayatholakala kuzo zombili izinhlobo zemali kanye nama-bar, futhi abathengisi abaningi bezinhlamvu zemali nabayigugu banikela ngemigoqo yesiliva ngosayizi namafomethi ahlukahlukene. Imvamisa, ungathola izinhlamvu zemali nemigoqo incane njenge-ounce elilodwa, noma imigoqo emikhulu yama-bullion amakhulu njengama-ounces ayi-1.000 XNUMX.
Ukuba nemigoqo yesiliva kunenzuzo yokuthi inani lazo lilandela intengo yemakethe yesiliva ngqo. Kodwa-ke, kunamanani amaningi wehla. Okokuqala, uvame ukukhokha imali encane yokuthenga isiliva kubathengisi, futhi kuzofanele wamukele isaphulelo esincane lapho unquma ukusibuyisela kumthengisi wakho. Uma ulindele ukugcina isiliva lakho isikhathi eside, khona-ke lezo zindleko azizona ezinkulu, kepha kulabo abafuna ukuhweba kaningi, kuyabiza kakhulu ukuthwala izikhathi eziningi zilandelana. Ngaphezu kwalokho, ukugcina imigoqo yegolide kufaka izinselelo ezithile zokuhleleka nezindleko ezengeziwe.