Thenga iphepha noma igolide elibonakalayo, kuyini?

Ekutshalweni kwemali kufakwe amafa ezezimali amaningi futhi ahlukahlukene. Ziningi kakhulu ukuthi zingadala inkinga ebucayi yesinqumo phakathi kwabatshalizimali abancane nabaphakathi. Okunye kwalokhu kungenye ye- izinsimbi eziyigugu par ubuhle njengoba kunjalo ngegolide. Kepha kulula ukuhlukanisa phakathi kwegolide lomzimba nelingokoqobo noma lephepha. Yikho kanye lokhu esizoxoxa ngakho ukukunikeza omunye umbono wokuthi ungakhona kuphi tshala imali oyongile lapha. Kepha kulokhu ngokusebenzisa isiphakamiso esikhetheke kakhulu, kepha ngaphezulu kwangempela ngenxa yeziphakamiso zokuhamba kwale nsimbi ezimakethe zezezimali.

Yebo, iphepha noma igolide elibonakalayo yilokho ongenakho ngokomzimba kodwa okutholayo ngosonkontileka. Ikakhulu ngokusebenzisa okuphuma kokunye futhi okwenziwe ngemikhiqizo ehlukahlukene yezezimali. Abanye obajwayele futhi abanye kungaba okokuqala ngqa ukuzwa ngobukhona babo. Kepha kunoma yikuphi, ungabadinga ngesikhathi esithile empilweni yakho ukwenza ibhalansi ye-akhawunti yakho yokuhlola izuzise. Ikakhulukazi lapho isimo sezimakethe zezezimali singesiso esihle kakhulu. Ngokuncipha kwentengo yayo noma okubi kakhulu, njengokushintsha kwethrendi, ukusuka ekuphakameni kuya kusi-bearish ezinsukwini ezimbalwa.

Ngakho-ke ukuthi usukulungele ngokuphelele ukutshala imali oyilondolozile kumkhiqizo oyisici esinjengalesi, akukho okungcono ukwedlula ukwazi ukuthi aqukethe ini nokuthi angavula kanjani izikhundla. Akumangalisi ukuthi kusukela manje uzoba nethuluzi elisha nelinamandla lokuthatha isikhundla ensimbi eyigugu engandile njengensimbi ephuzi. Ngalo mqondo, awukwazi ukukhohlwa lelo golide ukwazile kulo nyaka ngamaphesenti angaphezu kuka-40%. Ngaphezulu kwezinye izimpahla zezezimali ezinokubaluleka okukhethekile, futhi phakathi kwazo kufakwe izinkomba eziyinhloko zemakethe yamasheya yamazwe omhlaba. Lapho kweqe ngokulambisa amazinga we-15% ezimweni ezinhle kakhulu.

Ukubaluleka kwegolide

Ukuze uziqonde kangcono, kuzobaluleka kakhulu ukuthi wazi ukuthi ekuqaleni kweminyaka yama-80s, igolide elilodwa lakhokhwa ngama-dollar ayi-850. Intengo yehle eminyakeni engamashumi amabili ezayo kuya ku-1999 ku- $ 250 ngehora ngalinye futhi lokhu kubeke izinkampani zezimayini esimweni esifanele lapho kwenziwa amathuba amasha. Ngokombono wokunikezela, ngo-2004, umkhiqizo wehle ngo-4%, ukwehla okukhulu kunakho konke eminyakeni engama-65 edlule. Lokhu kuvumela ukuthi okulindelwe ngonyaka ka-2010 kubonakale ukuthi ukukhiqizwa kwegolide kuzokwehliswa ngama-30% futhi kuzoba yinto ecindezela amanani. Kubalulekile ukwazi ukuthi kungukunikezwa okungekho emthethweni kakhulu. Kuthatha iminyaka emi-4 kuya kwengu-7 ukukhipha igolide uma imayini isibekiwe ngokwendawo.

Esinye sezici zendabuko esidale ukuwa okucijile entengo yegolide kube yiCentral Banks. Isizathu salokhu kuziphatha sichazwa ngamazinga enzalo aphezulu abebehlala nawo. Njengoba ukutholakala kwegolide kukodwa kungakhiqizi noma yiluphi uhlobo lwempindiselo, amaCentral Banks ngesikhathi senqubomgomo yemali ebekelwe imingcele abakwenzile ukuthengisa noma ukuboleka igolide ukuze bathole isikweletu samanye amazwe. I- inzalo ephezulu benza izindleko zamathuba okuba negolide ezigcinweni ngokweqile ngakho-ke amaBhange ayethambekele ekwandiseni ukuthengwa futhi agcwalise imakethe ngegolide.

Izici zobungozi

Yize umkhakha wezinto zokuhloba ugcina isisindo esimele, kubonakala sengathi kuncipha ngokwakhiwo. Ukukhiqiza kwehle kakhulu kusuka ngo-1997 kuya ku-2002 yize eminyakeni yamuva kuye kwanda. Siyini isizathu salesi saphulelo sakamuva? Kungenzeka kangakanani ukuthi kungaguquguquki? Ukuphendula lo mbuzo, kubalulekile ukuqonda ukuthi ngonyaka we-1997 kuya ku-2003 abantu ababefuna igolide lokusetshenziswa kwezokungcebeleka babengamazwe okuqala omhlaba. I- ukugcwaliswa okuthile ngokuhlangene nokuqhuma kwebhola lobuchwepheshe kanye nobucayi beminotho yabo, bavimbe isidingo.

Ngo-2003 lo mkhuba washintsha ngoba China, nasezingeni elincane i-India, liqala ukuthekelisa ngobuningi. Lezi zimali zenza umphumela wokunotha odala ukusetshenziswa kulezi zindawo ezinamasiko amaningi. Ekhuluma ngamasiko, isibonelo esinqabayo siyatholakala emkhakheni wezenkolo. IGolden Buddhas yenziwa ngamacembe egolide ukuthi idiphozi ethembekile yokumboza uBuddha nokuthi kufanele bayishintshe minyaka yonke.

Izinkampani zezimayini ezigxile egolide

Vele, kuzodingeka kakhulu ukuthi wazi ukuthi izinkampani zezimayini ezigxile egolide zihlukaniswa ngaphansi kwezinqubo ezimbili. Ngakolunye uhlangothi, ngenxa yobukhulu bayo, futhi lapho ngokunengqondo ingozi enkulu kakhulu incane. Ngenkathi ngakolunye uhlangothi, kwenzeka futhi phakathi kwabakhiqizi nabaxhaphazi. Abaxhaphazi banobungozi bokusesha nokumba. Abanye, ngokungafani, bagxila ekwelashweni nasekusatshalalisweni.

Kubaluleke kakhulu futhi ukuthi ube nombono wokuthi uzongena kuphi kule mpahla ebalulekile yezezimali emhlabeni jikelele. Yebo, ukuze ungabi nanoma yiluphi uhlobo lokungabaza, kuzobaluleke kakhulu ukuthi wazi ukuthi imakethe enkulu lapho kuthengiswa khona igolide, isiliva nezinye izinsimbi ezingabalulekile (njenge-Aluminium, iCopper, iLad, iNickel, iZinc noma Tin) yi-COMEX. Okuhlukile yiPlatinum ngoba imakethe enkulu yi-TOCOM (yen) ne I-NYMEX. Kunoma iyiphi yazo ungasebenza. Kepha ngaphansi kwamakhomishini emakethe afunwa kakhulu kunokuthenga nokuthengisa amasheya.

Nikeza isiko elikhulu lezezimali

Ngaphezu kwalokho, awukwazi ukukhohlwa nganoma yisiphi isikhathi ukuthi uzodinga ulwazi olukhulu lwezezimali ukuze usebenze ngensimbi ephuzi. Noma iyiphi imodi oyikhethayo kusukela manje. Ngokwalo mbono ojwayelekile, imakethe yegolide ithonywe kakhulu ukugeleza okwenziwe ezimakethe zekusasa. Ngenkathi i- ukuhlangana kukawoyela ongahluziwe ngama-40% ngendaba yegolide, intengo ingachazwa ngo-80% no-90%. Lolu ucezu lolwazi okufanele ulubheke uma inhloso yakho ukuthatha izikhundla ezinsukwini ezimbalwa ezizayo. Ngakho konke ukuphepha ukuthi izokhiqiza insiza enkulu ekusebenzeni ozoyenza kusukela manje kuqhubeke.

Ngakolunye uhlangothi, igolide likhiqiza ifayili le- ukuguquguquka okuqinile ekuguqukeni kwamanani abo. Ngokwalokhu kubuka kungenzeka kungakumangazi ukuthi umehluko phakathi kwamanani abo aphezulu naphansi kuseshini eyodwa yokuhweba ungakhuphuka ngaphezu kwamazinga we-20%. Isici esingenakwenzeka kwezinye izimpahla zezezimali. Ikakhulukazi uma kukhulunywa ngezimakethe zezimali, ngisho nasezikhathini ezinokushintshwa okukhulu kwamanani entengo.

Yebo, le datha izosebenza ikakhulukazi ngomzuzu oqondile lapho uzovula khona izikhala kule nsimbi eyigugu. Ngisho nangaphezulu kokunye ukubhekwa kobuchwepheshe noma okuyisisekelo. Ngoba awukwazi ukukhohlwa ukuthi ukutshala imali kwigolide kungenye yezimpawu zabo bonke futhi akubona bonke abasebenzisi abazi ukuthi basebenza kanjani nalesi siphakamiso. Kunoma ikuphi, igolide lingelinye lotshalomali olusemfashini ngenxa yokuvela kwalo kwamanje ezimakethe.

Iminikelo yegolide ebonakalayo

Vele, lolu hlobo lokutshalwa kwemali luthwala uchungechunge lwezici okufanele uzicabangele uma uzothatha izikhundla. Hhayi ize, kuyindlela enobuhlakani obukhulu futhi ezingeni elithile inoveli engadala isimanga esingajwayelekile kusuka manje. Futhi okulandelayo okulandelayo:

• Akunasikhathi lapho uyoba nembuyiselo emisiwe futhi eqinisekisiwe. Kepha kunalokho, kuzoya ngokuthi izimakethe zezimali ziguqukela kanjani. Ngalo mqondo, kuyinto esondele kakhulu ekuthengeni nasekuthengiseni amasheya emakethe yamasheya.
• Kuyinto utshalomali olukhethekile oludinga i- ulwazi olukhulu ngezimakethe zezimali. Futhi ikakhulukazi leyo ehlobene nensimbi ephuzi. Ukuze ukwazi ukulungisa ithikithi kuzintengo ezinconywe kakhulu.
• Le misebenzi ayinayo akukho lutho olwenziwa ngegolide elibonakalayo ngoba aqala emibonweni ehluke ngokuphelele. Futhi ngecebo lokutshala imali lokho akuhlangene ngalutho. Kufike ezingeni lokuphikiswa ngokuphelele kusuka kwimvelaphi yabo.
• Awusoze waba nezikhundla zomzimba kule nsimbi eyigugu. Esikhundleni salokho, uzosekela utshalomali lwakho ku amathemba akho okukhula. Njengesibonelo, kuzinkontileka zesikhathi esizayo noma eziphuma kokunye. Ngamandla aphezulu wokubuyekeza. Yize uthatha izingozi eziningi ukwedlula kuze kube manje.
• Ingxenye enhle yeziphakamiso ingenziwa ngemikhiqizo efana ne- izimali zokutshala izimali, ETF, noma kusuka kumamodeli anolaka kakhulu afaka le mpahla ekhetheke kakhulu yezimali.
• Iphepha noma igolide elibonakalayo akuhloselwe wonke amaphrofayili wabatshalizimali. Kepha kuphela kubo bonke abanolwazi olunzulu ngalolu hlobo lokusebenza. Yikuphi empeleni okungezona ezibonakalayo ekukhulelweni kwabo.