Ukuguquguquka kwamanje kwemakethe yamanje yezezimali kukuvumela ukuthi utshale imali kusiliva kusuka kumasu ahlukene ukwenza utshalomali lwakho lube nenzuzo. Kwezinye izimo ngaphansi kweziphakamiso ezijwayelekile noma ezingaphansi, kepha kwezinye izimo ngemikhiqizo esezingeni eliphakeme futhi kungakhululwa ezingcupheni. Ngisho nasezimakethe zesikhathi esizayo lapho usesimweni sokuthenga noma ukuthengisa le nsimbi ngentengo ebekwe izimakethe lapho lezi zimpahla zezimali zifakwe kuhlu. Ukuze ngale ndlela, uzuze ekuhlaziyweni okungenzeka kwale ndlela onayo ekutshalweni kwemali.
Inkinga enkulu onayo ukwanelisa lesi sidingo ukuthi ayikho imikhiqizo eminingi enikeza le nsizakalo ekhethekile. Le misebenzi ingenziwa kusuka kunoma imuphi umnikelo wezezimali ukuze ukwazi ukuzivumelanisa nesabelomali sakho. Unenketho yokwenza utshalomali ngokomzimba, kokubili kuma-bullion nasezimalini. Yize mhlawumbe indlela elula ihanjiswa ngezimali zokutshala imali ezivezwe kule nsimbi eyigugu.
Kulesi simo esivamile, indlela ejwayelekile kunazo zonke yokutshala imali kusiliva ngezimali ezihlangene. Lapho ungasebenzisa ezinye izindlela ezinikezwa ngabaphathi. Noma ngabe ikuphi, akuqinisekisi nganoma yiluphi uhlobo lwenzuzo, kepha kunalokho kusekelwe ekulinganisweni okwenziwe eminyakeni eyedlule. Yize kulula ukuthi ukuthenga kugadwe ngabahlaziyi bezimakethe zezimali. Ngoba empeleni, akukhuthazwa ukuvula imisebenzi kule nsimbi eyigugu kuzo zonke izimo.
Ukuthenga ngokomzimba: i-bullion noma izinhlamvu zemali?
Isisetshenziswa esiyinhloko esitholakala kubatshalizimali abancane nabaphakathi ukuya ekuthengeni okwenziwe ngale nsimbi. Lo msebenzi ungenziwa ngokusebenzisa ama-ingots noma izinhlamvu zemali. Kuzona zombili lezi zimo, kungukutshalwa kwezimali okungajwayelekile futhi kukusiza ukukwenza ukuhlukahluka izimali. Ngaphezu kwalokho, ingasebenza njengethuluzi lokuqoqa noma ithengiswe ngesikhathi esifanele kakhulu. Ngenzuzo enqwabelene ngokuhamba kwesikhathi. Ihanjiswe ngezinkampani ezikhethekile ezinesevisi yokuhlola ngokucophelela.
Uma ukhetha leli su lokutshala imali, kufanele ukhumbule ukuthi akuyona imisebenzi ejwayelekile kakhulu yabatshalizimali abathengisa. Kubekelwe isigaba sabasebenzisi esichazwe kahle ngoba kuyinqubo engaba yinkimbinkimbi kakhulu kunemikhiqizo ehlukile yezezimali. Kumele uhambe kahle kakhulu kulezi zimakethe futhi ube nesipiliyoni esithile sokwenza imisebenzi ibe nenzuzo. Kunoma ikuphi, kungelinye ithuba onalo lokwenza izimpahla zakho zinenzuzo. Kulokhu, ngaphansi kwezindlela zokuqala ezingaphezulu kwezinye izikhathi.
Mayelana nezinhlamvu zemali zesiliva, inzuzo enkulu le misebenzi ekunika yona ukuthi ungayithenga nganoma iyiphi intengo. Ngoba empeleni, ungasakaza lokhu kutholwa kusuka kuma-euro angama-100 kuphela nokunye okunesidingo esikhulu semali, ngaphezulu kwama-euro ayi-5.000. Kunoma ikuphi, awukwazi ukukhohlwa ukuthi le nsimbi, efana nesiliva, ingaphansi kwamandla okufunwa nokuhlinzekwa ezimakethe zomhlaba wonke. Lapho kungamangazi khona ukuthi izinzuzo zikhawulelwa maqondana nezinye izinhlobo ezijwayelekile noma zendabuko zotshalo-mali.
Izimali ezihlanganyelwe ezenzelwe isiliva
Ungathola izimali zokutshala imali ezihlangabezana nezidingo zabaphathi. Ngokuyinhloko ngezinkampani zezimayini, ama-foundries, abakhiqizi bezinto zokuhloba kanye nabalamuli bale nsimbi eyigugu. Vele, azikho izinketho eziningi onazo, ngoba izimali ezimbalwa kuphela ezihlangabezana nalezi zidingo. Lapho amakhomishini aphezulu ezoba ngesinye sezitha ezinkulu ekuqashweni kwakho. Ukutshalwa kwezimali, ngamafuphi, kunconyelwa izinkathi zesikhathi esimaphakathi nesikhathi eside.
Kunoma ikuphi, kungomunye wemikhiqizo ekhombisa ukubonga kwamanani ayo. Awukwazi ukukhohlwa ukuthi eminyakeni yamuva kube nokubalulekile rally I-bullish eye yazuzisa bonke abasindisi. Noma ezimeni eziningi kudlula imbuyiselo yamasheya wendabuko. Kuze kube seqophelweni lokuthi lo mkhuba oya phezulu ubuphelezelwa yilabo ababhekene nezinye izinsimbi eziyigugu: igolide, i-platinum, i-palladium, njll. Ezimweni eziningi ukubuyiselwa okuphansi ekulondolozweni kwamadijithi amabili.
Inkinga enkulu ekuthatheni izikhundla zesiliva ngezimali zokutshala imali ukuthi intengo yayo isuswa ezimakethe ezifanele zamazwe omhlaba ezinjengeNew York noma iLondon. Ziyizimakethe lapho ukubaluleka kwale mpahla yezezimali kubaluleke kakhulu. Futhi nabatshalizimali abaningi abakhetha le modeli ekhetheke kakhulu futhi yangempela. Ngaphezu kwalokho, ezinye izinhlobo zokusebenza eziyinkimbinkimbi zifakiwe njengebala, ikusasa lesikhathi esifushane, izinketho kanye nemikhiqizo ehlanganiswe nesiliva. Iziphakamiso ezahlukahlukene, njengoba ubona kusukela manje kuqhubeke.
Ungena nini emakethe
Alikho isu elingcono lokuthatha izikhundla ngesiliva kunokungena ngokunenzuzo kuzimo ze-bullish kule mpahla yezezimali. Ngenzuzo eyengeziwe yokuthi bathuthukisa ukunyakaza okuqonde mpo kwikhotheshini yamanani abo angafinyelela ezithelweni ezingaphezu kwama-25%. Kunoma ikuphi, kuphakeme kakhulu kunalokho okuboniswa ngezinye izindlela zokutshala imali. Inkinga yabatshalizimali ilele ekukhetheni isikhathi esifanele sokuqala imisebenzi yabo.
Kuwukutshalwa kwezimali okungasiza kakhulu ngoba kuyimpahla yezimali ethathwa njengendawo ephephile ezimweni eziningi. Ikakhulukazi ngezikhathi zokungaqiniseki nokungazinzi komnotho. Ukufika lapho kunabaningi abasindisa imali abaphephela kule nsimbi ukwenza ukonga kwabo kube nenzuzo. Kusuka kumasu ehlukene okutshalwa kwezimali, kuya ngephrofayili elivezwa yilaba bantu. Izikhathi eziningi ngenxa yokungabi bikho kweziphakamiso zokufeza ukuzuza kwemali ezimakethe zezimali.
Isiliva lithengiswa ezimakethe eziqinile kakhulu ezinaka umthetho wokuphakelwa kanye nokufunwa. Leli qiniso ligqugquzela ukuthi ukukhishwa ngamanani entengo yabo kuhlupheka ngokuhluka okuphawulekayo okungaholela ekuzuzeni noma ekulahlekelweni u-5% weminikelo yakho yemali ngasikhathi sinye. Ngisho nangamandla amakhulu lapho kutholakala ukungazami okuningi kulezi zimakethe zezezimali. Kuze kube seqophelweni lokuthi bangenza isiliva libe yimpahla yezezimali efaneleke kakhulu ukukhulisa ukusebenza ngosuku olufanayo.
Okubi kokusebenza kwakho
Noma kunjalo, akuyona yonke into engamalambu kulolu hlobo lokutshalwa kwemali olukhetheke kangaka. Ngoba empeleni, kuthwala uchungechunge lwengozi okulula kakhulu ukuthi amanani avezwe uma ngabe kulula kuwe ukuthi ungene ezikhundleni zabo kusukela manje kuqhubeke. Ngoba noma iliphi iphutha lingakulethela isimanga esingesihle. Ikakhulukazi uma ungenakho ukufunda okwanele ekuhambeni kwabo. Lezi ngezinye zezinyathelo okufanele uziqaphele manje.
- Uma ungazi ukuthi ungasebenza kanjani nalezi zimpahla zezimali, kuzoba ngcono ukuyeka lo mzamo bese ukhetha okunye ukutshalwa kwezimali okufanele iphrofayili yakho njengomtshali-zimali omncane naphakathi. Okungenani uzokugwema ukungafani kahle kokungena nokuphuma kwamanani esiliva.
- Udinga izeluleko ezifanele uma ufuna ukuhlela ngempumelelo ukusebenza kwakho kusukela manje kuqhubeke. Noma lokho bayeluleka ngokuhlanganisa isiliva nezinye izimpahla zezezimali. Isibonelo, ngemikhiqizo engenayo eguquguqukayo nengaguquki futhi kungadingeka ngisho nangediphozi yasebhange ngesikhathi. Ngoba ukwehlukaniswa kwemali enkulu kungasiza ekuthuthukiseni hhayi kuphela ukubuyiselwa kokulondoloziwe. Kepha okubaluleke kakhulu ukuwavikela ezimweni ezingezinhle neze ezimakethe zezezimali.
- Imibandela yezinkontileka zemikhiqizo esekwe esiliva izothola ukubaluleka okukhethekile. Lapho kuzobaluleke kakhulu ukuhlaziya ngokuningiliziwe ukuphela kwayo, amakhomishini, izinhlawulo, njll. Ngoba ukusebenza kwabo kungaba nezindleko eziphakeme kuneminye imikhiqizo ehloselwe ukutshalwa kwezimali.
- Ukutshala imali kuzinsimbi eziyigugu, njengesiliva kulokhu, kufanele kubhekwe njengokuyingozi kunezinye. Akumangalisi ukuthi ilandele uchungechunge lwemikhombandlela yamanani ehluke kakhulu. Njengoba kungahlangene kakhulu nokuvela kwamanani entengo yamanani wemali engenayo eguquguqukayo.
- Kuphela uma unecebo elichazwe kahle lapho kufanele ukhethe le ndlela engajwayelekile. Ngoba kunemali eningi ongayithola kusuka manje. Kepha ngendlela efanayo, ukulahlekelwa yiyo ngenxa yesimo esibi ezimakethe. Ungakhohlwa uma ufuna ukuvikela iminikelo yakho yezezimali.
- Akukwazi ukukuqondisa kuphela ezimakethe lapho kubhalwe khona le mpahla ebalulekile yezezimali. Kepha ungakhetha ukuthenga ngokomzimba uma lokhu kuyisifiso sakho. Yize ngezindlela ezehlukene ezimangalisayo zokutshalwa kwezimali ezivela emibonweni. Kuze kufike ezingeni lokuthi zizoba izindlela zokutshala imali ezingeke zihlanganise lutho nomunye.
- Futhi akufanele kubhekwe phansi ukuthi isiliva liyinsimbi elingajwayelekile ukutholakala kwimikhiqizo ejwayelekile kakhulu yezezimali. Enye yezinto ezimelela kahle lo mkhuba yizimali ezidayiswa ngokushintshisana noma ama-ETF. Uguqulwe waba enye yezindlela ezingcono kakhulu onganelisa lesi sidingo ngeziqiniseko ezinkulu zempumelelo emisebenzini eyenziwa ngalezi zindlela ezikhethekile.