Izikhathi ezingezinhle zokutshalwa kwezimali zisondela eminyakeni ezayo ngenxa yokuthi kungenzeka ukuthi ukwehla komnotho okusha kubambe iqhaza emazweni omhlaba. Ngale ndlela, zonke izimpahla zezezimali ziyawa njengesixwayiso salesi simo esisha. Ngaphandle kwezinsimbi eziyigugu ikakhulukazi igolide, elazisa kulo nyaka ngamaphesenti angaphezu kuka-50%. Imbuyiselo yokuthi iningi labatshalizimali abancane nabaphakathi bangavuma ukwamukela.
Kunoma ikuphi, inkinga enkulu yensimbi ephuzi ukuthola ukuthi yiziphi izikhundla zemikhiqizo yezimali ezingavulwa. Ngoba empeleni, akulula kangako ukusebenzisa leli su ekutshalweni kwemali ngoba akufani nokuthenga nokuthengisa amasheya emakethe yamasheya. Kudinga ezinye izinhlobo zokusebenza ezingatholakali kunoma yikuphi ukutshalwa kwezimali. Uma kungenjalo, ngokuphambene nalokho, kuphrofayili echazwe kahle kakhulu eqala kusukela kusiko lezezimali eliphakeme kunelelo lonke. Yize ngemuva kungukuxilongwa okufanayo futhi lokho akuyona enye ngaphandle kokuzama ukwenza imali etholakalayo izuze ngeningi lempumelelo.
Kunoma ikuphi, kungenye indlela engaba nenzuzo enkulu ezidingweni zethu zokutshala imali ngezikhathi zokungazinzi okukhulu ezimakethe zezimali. Phakathi kwezinye izizathu, ngoba insimbi yegolide iyimpahla yezezimali engalahlekelwa yinani layo esikhathini eside esizayo. Uma kungenjalo, kunalokho, liphinde lilinganiswe eminyakeni edlule futhi kwezinye izimo ngendlela ebaluleke kakhulu. Kuze kube seqophelweni lokuzuza imbuyiselo ebingatholakali ngotshalomali bendabuko noma obujwayelekile. Ngaphandle kolunye uchungechunge lokucatshangelwa kohlobo lobuchwepheshe noma ngokubuka kwezisekelo zalo.
Igolide inani lesiphephelo ngokusebenza kahle
Enye yezinzuzo imikhiqizo esuselwa kule nsimbi eyigugu esinikeza yona ukuthi singakhetha amamodeli ahlukene ekuphathweni kwayo. Kufike ezingeni lokuthi ungakhetha phakathi kwamabha wegolide ahlukile noma ngqo ukuthengwa nokuthengiswa kwamasheya ezinkampanini zezimayini. Akumangalisi ukuthi ukwehlukahluka kungenye yezimpawu zayo eziyinhloko nokuthi yini okukuhlukanisa nezinye izimpahla ezibalulekile zezezimali. Ngenkathi ngakolunye uhlangothi, kuyindawo ephephile lapho ukugeleza kwemali enkulu kuqondiswe ezikhathini ezimbi kakhulu ezimakethe zokulingana.
Ngakolunye uhlangothi, insimbi ephuzi ibilokhu ibhekwa njengempahla ephelele yezezimali. ukulwa ne-inflation. Kungaba iresiphi enhle kunazo zonke yokubhekana nezindleko ezikhuphukayo zempilo futhi kunoma yisiphi isimo ngaphezu kwezinye izimpahla zezimali eziphawulekile zomugqa wokuqala. Lokhu bekulokhu kwenzeka iminyaka eminingi futhi ngalomqondo indima yalo ayikashintshi nakancane. Akumangalisi ukuthi iphendula ezimeni ezifanayo njengakuqala futhi ingaba yindlela yokutshala imali eminyakeni embalwa ezayo uma ukuthambekela ezimakethe zamasheya zomhlaba wonke kuqinisekisa ukuchema kwayo okwehlayo. Ngokukhathala kwama-indices amakhulu wesitoko ngemuva komhlangano ophakeme owenziwe kusukela ngo-2013.
Ungayitshala kanjani insimbi ephuzi?
Njengoba sishilo phambilini, inkinga enkulu ekutshalweni kwakho kuxhomeke ekutheni kumele sikhethe ukuthi yimuphi umkhiqizo wezezimali ukuze imali yethu esiyisebenzisayo izuze. Kusuka emakethe yamasheya kungenziwa kusuka ezinkampanini ezifakwe kuhlu ezixhumene nokukhiqizwa kwale nsimbi eyigugu emangalisayo. Ngokuvamile ngokusebenzisa izimayini okubalwe ezimakethe zezimali ze-Anglo-Saxon. Kepha kuyenzeka futhi ukwenza kanjalo ngezimali zokutshala imali ezicabangela amaphothifoliyo asuselwe kule mpahla yezezimali. Yize into ebaluleke kakhulu ngaleli su lokutshala izimali ukuthi zihlanganiswe nezinye izimpahla zezezimali ezisuselwa kokunye, imali engenayo engaguquguquki neguqukayo.
Enye inketho onayo ngegolide yilezi Ama-ETF noma izimali ezihwebelana ngokushintshaniswa. Kuyingxube phakathi kwezimali ezihlangene kanye nokuthenga nokuthengisa amasheya emakethe yamasheya. Ngaphansi kwecebo lokutshala imali elifana kakhulu nelangaphambilini. Kepha ngomehluko ocashile wokuthi isikhathi sabo sokuhlala sifushane futhi ungenza imali isikhathi esiphakathi kwezinyanga eziyisithupha nezingu-6. Ngamakhomishini avame ukunwebeka ngokubanzi futhi lokho kuzokongela imali ethe xaxa kulowo nalowo msebenzi owenziwayo. Ngamamodeli anhlobonhlobo wesikhwama sokuhweba ngokuhwebelana ongakhetha kuso nganoma yisiphi isikhathi.
Ubucwebe begolide, i-bullion noma izinhlamvu zemali
Ekugcineni, unolunye utshalomali olungasekhaya futhi olususelwa ekuthengweni kwalezi zinto ezibonakalayo. Kulula kakhulu ukwenza kube semthethweni futhi kusizakale ukuguquguquka kwamanani entengo ngokuya ngezidingo zakho zangempela zokutshala imali. Lelisu lingenziwa kusuka kuma-euro angama-100 kuphela nangomkhawulo owubeka ekusebenzeni. Kunoma ikuphi, udinga ukwazi ukuthi kulula kakhulu kuwe ukwelulekwa ngesikhathi sokutholwa ukuze usekwe yinani laso. Ngakolunye uhlangothi, okubaluleke kangako iqiniso lokuthi kunenzuzo enkulu. Njengoba bekulokhu kwenzeka eminyakeni yamuva.
Ngakho-ke, ukuguquguquka kwesidingo sayo kwesinye sezici ezichaza utshalomali kule nsimbi eyigugu nangaphezulu kwezinye izimpahla zezezimali. Lokho wukuthi, unemikhiqizo eminingi ongakhetha kuyo ngokuya ngokuncamelayo okuthandayo. Lapho okubalulekile ukuthi ungashaya izintshisekelo ezikhiqizwa eminye imikhiqizo yezezimali, evunyelwe kakhulu ezimakethe zezimali. Kepha kulokhu, impela akunzima ukuthi ungathola imishado yokulamula ngaphakathi amazinga angaphezu kwama-20% noma okukhulu kakhulu. Njengoba bekulokhu kwenzeka eminyakeni yamuva.
Konke lokhu, endaweni lapho izimali zaseSpain zathengisa khona ama-euro ayizigidi ezingama-40.879 kule mpahla yezezimali ngoJulayi, okungu-2,7% ngaphansi kwenyanga edlule no-13,7% ngaphansi kwesibalo senyanga efanayo yonyaka odlule. Lapho kukhonjiswe khona ukuthi inani lezingxoxo kulesi sikhathi lehle ngo-19,2% uma kuqhathaniswa noJuni, lafinyelela ezigidini ezingama-3,39. Okungukuthi, 12,9% ngaphansi kunangenyanga efanayo yonyaka odlule. Le datha ingasinikeza isignali eyinqaba yokubaluleka okuthile kokuthi inhlokodolobha yabatshalizimali iya kuphi ngalesi sikhathi sonyaka.
Izibikezelo zegolide
Ngokwezibalo ze-GFMS, ukukhiqizwa kwegolide lomhlaba kuzohlala kuzinzile ngo-2019 uma kuqhathaniswa nezibalo zalo nyaka. Ngokuqondile, kule nkampani ebonisanayo enikezelwe kuzinsimbi eziyigugu, balinganisela ukuthi kuzoncipha kancane kule nkathi kuze kufinyelele kumathani ayi-3.265,5, uma kuqhathaniswa no-3.281,7 ezicatshangelwa njengesibalo sokugcina sango-2018. Okungukuthi, ukuwa kusondele ku-1%. Futhi lokho kungathathwa njengokumukelekayo engxenyeni enhle yabatshalizimali abancane nabaphakathi. Ikakhulukazi uma lezi zibalo ziqhathaniswa nezinye izimpahla zezezimali ezinokubaluleka okuphawulekayo.
Ngokombono wabahlaziyi be-GFMS, umkhiqizo uzokhula e-Afrika, e-Oceania naseYurophu, ngenkathi uzowela e-Asia naseMelika. Ukuvalwa kwezimayini ezibalulekile ngeke kuqoshwe, yize kokunye ukwehla kokuhlungwa kwegolide kumaminerali akhishiwe kuzobonakala kumanani okuphelele okukhiqizwa. Ngamanye amagama, amathemba asuka ekubukeni komkhiqizo aqondile ngokungagunci. Ukuthi bakumeme ukuthi uvule izikhundla kule mpahla yezezimali yokubaluleka okukhethekile. Ikakhulukazi uma amazinga okungazinzi ezimakethe zamasheya ekhuliswa. Ikakhulukazi ekuthengweni nasekuthengisweni kwamasheya emakethe yamasheya. Yilapho ukugeleza kwemali emhlabeni kuqondiswe kakhulu khona.
IPlatinamu enye insimbi eyigugu iyanda
Ukwanda kwesidingo seplathinamu yokutshala imali kubangele ukwanda “Kuyamangaza” ngamanani entengo emhlophe phakathi nenyanga ka-Ephreli, nawo aqondane nokwehla okukhulu kwamanani e-palladium ngemuva kokuphindwa kabili ngenani esikhathini esiyizinyanga eziyisikhombisa. "IPlatinum ibe nenyanga enhle kakhulu," kusho usomaqhinga mayelana nalokhu, uJonathan Butler wenhlangano yaseJapan uMitsubishi, ekuhlaziyweni kwakhe kokugcina kwamasonto onke. U-Butler uphawula nokuthi "inkomba ebalulekile yentengo ye-platinum" ngo-2019 kube ukunyakaza kwemikhiqizo enikezwa yi-ETFs nama-ETPs asekelwa yinsimbi ebonakalayo.
Ngokuya ngohlaziyo lukaButler, izikhathi ezinkulu zokukhula kwama-ETF e-platinum ngo-2019 zizoba phakathi kwamasonto amabili kuya kwamathathu ngaphambi kokuthi kube nokwenyuka okukhulu kwentengo yensimbi. Ngakho-ke, isibalo esiphelele somkhakha “sikhuphuke safinyelela ku-10% wemali ekhishwa minyaka yonke emhlabeni” kusukela ngoJanuwari, uButler uyanezela. Kulokho okubhekwa njengecebo elisha lokuvula izikhala kule nsimbi eyigugu ingalandelwa abatshalizimali abancane nabaphakathi.