Golide
Igolide yintsimbi ethandwa kakhulu kwihlabathi njengabantu ngabanye kunye noorhulumente, ngaphezu kwewaka leminyaka, kubonisa ukubaluleka kwintsimbi ebonakalisa ukukhanya okungekho enye.
Igolide inendima ebini-inokusetyenziswa kwindalo kunye nezicelo zezimali.
IGolide inokumelana nokushisa okukhulu, ingenakwenzeka, kwaye iqhuba umbane. Ngoko ke, abasebenzisi bezentengiso badla iipesenti ezili-10 zobunini bempahla yamagosa ngonyaka, kubandakanywa i-electronics, amazinyo, kunye nezokwelapha. IGolide inomlando omdala njengensimbi yokwakha kunye nokwenza izinto, okanye izinto zokugqoka zifuna i-akhawunti i-50 ekhulwini yemveliso yonyaka. Ekugqibeleni, igolide yimali kwaye abatyali-mali abaninzi emhlabeni jikelele babamba igolide kunezinye iimpahla zokutyala.
Iipesenti ezingama-40 ze-golide ngonyaka ngamnye zifumana iindlela zokubanjwa okanye ukugcinwa kwabatyalisi kunye noorhulumente emhlabeni wonke. Xa umrhumo wokutshala imali uphakeme, ixabiso livame ukuphakama. Amazwe anengaphezulu kweepesenti ezingama-30 zegolide eziye zaveliswa kwimbali yehlabathi njengenxalenye yeengxowa-mali zabo zangaphandle.
Nangona i-golide iyimphambili, oku kuthetha ukuba iinkampani zihlolisisa kwaye zikhuphe igolide ukusuka kwintsika yomhlaba njengoshishini labo eliphambili, ngaphezulu kwe-70 ekhulwini yesilivere eveliswa kwihlabathi yinto yesibini.
Isilivere yintsimbi yobhedu, i-zinc, i-lead kunye nezinye iimveliso zensimbi. Okwangoku, isilivere sinesityambo esenza umdla wokwenza imali. Isilivere inezoshishino ezisetyenziswayo; iipaneli zelanga, iifowuni, iikhomputha kunye nezinye izixhobo zombane zifuna izinto zesilivere.
Platinum
I-Platinum iyinsimbi engabonakaliyo, ngelixa kukho amathani angama-2,800 we-golide yonyaka, kukho i-250 tons ye-platinum ngonyaka.
I-Platinum inezicelo ezininzi zaseburhulumenteni ngenxa yokunyamezela kwayo ukushisa. Isinyithi sinendima njengetsimbi exabisekileyo abaninzi abatyali-mali abamba njengexabiso.
Njengempahla yokutshala imali, ezo zintathu zintsimbi ezixabisekileyo zihlukile kunezinye iimveliso. Nangona amaxabiso eminye imveliso ebonakalayo ihamba phezulu nangaphezulu kwiimali zemali, izitye ezixabisekileyo ziyancintisana ngokubhekiselele kwiirhafu njengempahla. Iingxowa-mali kwihlabathi jikelele ngamaphepha amanqaku kunye neengqekembe zashicilelwe kwaye zenziwe nguorhulumente ukuba zisebenzise njengeethenda zomthetho.
Iinkcukacha zemali zinexabiso kuba oorhulumente bafuna ukuba bafanele. Ngako oko, lukholo olupheleleyo kunye neentengo zesizwe esichaza imali esinika ixabiso. Izwe lilawula indlela imali ehamba ngayo kwimarike. Nangona kunjalo, xa kuziwa kwiimveliso ezixabisekileyo, ngumveliso wam kunye nempahla yokugcina ecacisa ukufumaneka. Ngoko ke, xa ukholo lwabantu kuorhulumente oluphrinta imali luyancipha, izitye ezixabisekileyo zanda ukunyuka kwixabiso.
Isinyithi esixabisekileyo sinokuyongezwa kakhulu okanye udoti kwiipotifoliyo. Bavame ukunciphisa imiphumo ebangela ukuba ukunyuka kwamaxabiso kungenako xa kuziwa kumaqanda. Kukho izizathu ezine eziphambili ezifunekayo zinyithi kufuneka zibe yinxalenye yiphina inkqubo yokulondoloza okanye yokutyalomali:
- Xa abatyali-mali belahlekelwa ukholo kwiimali zephepha kunye nezinye iimarike ze-asethi, igolide kunye nezinye izitye ezixabisekileyo ziye zagcina zigcinwa zixabiso. Ngako oko, izitye ezixabisekileyo zigcina ubuncwane ngexesha lokungaqiniseki okanye uxinzelelo lwezoqoqosho kwaye kaninzi zilungelelaniso olubi kunye nezinye iiklasi zeefa.
- Ngexesha lexesha le-hyperinflation okanye ukunyusa kwekarhulumente, izitye ezixabisekileyo ziqhelekileyo zibe yimpahla ekhonza njengenkunzi yendiza. Ngexesha lokufuduka kwiJamani laseJamani kuma-1930, abantu abaninzi banqabile ukuba baphume kweli lizwe okanye bahlawulelwe ukuhamba ngegolide kunye nezinye izinto ezinqabileyo. Kukho eminye imizekelo kuyo yonke imbali apho izitye ezixabisekileyo zithatha imali yephepha njengendlela yodwa eyamkelekileyo yokutshintshiselana.
- Izinyithi ezixabisekileyo ziye zee currencies ngamawaka eminyaka ngelixa inani lemali lephepha liye lahlala lijikeleze ixesha elifutshane. Ixesha elide lokuxabisa le zinyithi luyinto yokumisela amandla abo okuhlala.
- Izinyithi ezixabisekileyo ziyi-fungible; zidibaniselana ngokufana nemali. Ngako oko, izityebhile ezixabisekileyo yiyona ndlela edala kunazo zonke kwihlabathi.
Xa kuziwa ekutyalweni kweensimbi ezixabisekileyo, kukho iindlela ezininzi zokuhamba.
IiBhayile zoBume kunye neeMali zeMali
Indlela ecacileyo yokutyalomali kwisitye esinqabileyo kukuthenga izitye. Iibhotile kunye neengqekembe zenziwe ngegolide, isilivere, iplatinum kunye ne-palladium, enye insimbi exabisekileyo, iyafumaneka kubathengisi bemali kwihlabathi jikelele. Iibhola zeGolide zifumaneka ngobukhulu ukusuka kuma-ounces angama-400 yonke indlela ukuya kwigram enye. Isiliva, iplatinum kunye neer palladium nazo zifumaneka kwiindawo ezininzi kunye nobukhulu. Xa kuziwa kwiinkcitho zemali, oorhulumente abaninzi behlabathi beentsimbi zeminithi, ngokuqhelekileyo bezihamba ngobukhulu ukusuka kwesinye kwishumi kwi-one kwi-one yeunithenda yomthetho kwisizwe esibavelisayo. Nangona kunjalo, ixabiso lala mali lihamba kunye namaxabiso ensimbi eyigugu.
Iimbali zexabiso ezixabisekileyo kunye neengqekembe ziyakwazi ukurhweba iiprayimesi okanye izaphulelo kwixabiso langaphakathi lentsimbi. Ezi zintlupheko zibangelwa ukunikezelwa kunye nemfuno yemivalo kunye neengqekembe ngokwabo.
Xa kuthengwa izitye ezixabisekileyo, kubalulekile ukufumana inkampani ehloniphekileyo. Abathengi abaninzi kunye neebhanki zithengisa nge-intanethi enikezela izitye zombini kwimarike yokuthengisa. Qhathanisa intengo phakathi kwabadayisi kodwa qaphela, nabani na ophethe izitye ezinqabileyo phantsi kwexabiso lemarike okanye kwixabiso eliphantsi kakhulu lingaba lobuqhetseba. Ukuba awukhathazi nomthengisi, ungathengi kubo. Kuhlala kulunge ukuseka ubudlelwane nenkampani enokunikezela ngeensimbi ezixabisekileyo kunye nokuzithenga kuwe xa ukhetha ukuthengisa.
Kukho iingcipheko xa kuziwa ekuthengeni nasekuthengiseni izityebhile eziyigugu, kodwa le ndlela yodwa ehamba phambili yobunini bexabiso. Njengenye indlela yokuthabatha ukunikezelwa, abanye abathengisi baya kunika ukukuthengisa ezo zinyithi kwaye babambe okanye bazigcinele kuzo kwii-akhawunti okanye zabelwe i-akhawunti.
I-akhawunti eyabiweyo iya kunika ibha ethile okanye imali xa i-akhawunti engabonwanga kuphela yincwadi yokungena kubunikazi. Ukuba umthengisi uya kuphazamiseka okanye ngaphandle kweshishini, i-akhawunti eyabelwe yona iya kukhusela utyalo-mali njengoko i-akhawunti ekhethiweyo ngelixa utyalo-mali olungaqeshwanga lube ngumngeni wekhredithi kwaye umthengisi unokungagqibekanga ekuthengeni kwakho.
Cinga ngeemakethe zentengiso ezixabisekileyo njengepiramidi. Eyona nto imakethe yenyama kwaye ngezansi zixhobo ezifuna ukuphinda ziphendule okanye zihambelane kunye nezixhobo zendalo zongeza enye inqanaba lomngcipheko.
Ixesha elizayo kunye neenketho
Ixesha elizayo kunye neenketho kwixesha elizayo lezinyithi zixabisekileyo. Ezi zithuthi ziyinyathelo elilandelayo kwi-pyramid. Iikhontrakthi zexesha elizayo zezorhwebo ngokutshintshiselana, kwaye zinendlela yokuhambisa abathengi kunye nabathengisi. Ngako oko, indawo yexesha elizayo ingaba yindawo ebonakalayo kwisinyithi ngexesha lokunikezelwa. Umthengi okanye umthengisi angakwazi ukulawula indawo yexabiso lempahla enqwenelekayo yentlawulo encinci okanye intlawulo.
Izinketho kwixesha elizayo nazo zivela kwiimpahla ezithengayo ukuthenga okulungileyo kodwa kungekho uxanduva lokuthenga okanye ukuthengisa izitye ezixabisekileyo. Izinketho zifana nemigaqo-inshorensi kwimali. Abathengisi bezenzo benze inkampani yenkampani yomshuwalense ngelixa abathengi beqela eliqinisekisiwe.
ETF kunye ne-ETN Products
I-ETF kunye ne-ETN iimveliso zorhwebo kwi-stock exchange kunye nokuzama ukuphindaphinda intlawulo yesenzo kwisinyithi esibalulekileyo. Iimveliso ezidume kakhulu ze-ETF kule klasi ye-asethi yi-GLD kunye ne-IAU ephindaphinda intlawulo yesenzo kwigolide. I-SLV yi-ETF elandelela intengo yesilivere kunye ne-PPLT ehambelana nexabiso le-platinum. Ukongezelela, kukho ezininzi iimveliso ze-ETN kwihlabathi lezinyithi ezixabisekileyo.
Abanye baya kuvuka xa amaxabiso ensimbi enyukayo kwaye abanye baya kuvuka xa ixabiso lezo zinyithi ziyawa. Iimveliso ze-ETN ezixhatshaziweyo ziphakamisa intlawulo yesenzo kwisinyithi esinqabileyo. Ezi zithuthi zisezantsi kwipiramidi njengoko ziyimpahla esetyenziswayo esekelwe kwezinye iimveliso ezifana nekamva kunye neenkontileka ezikhethiweyo.
IiMigodi zeMigodi
Enye indlela yokutshala imali kwiimarike zentsimbi ezixabisekileyo kukuthenga amasheya eenkampani ezisebenza kwimigodi kunye nokuveliswa kwezitye. Ezi zitshixo zivame ukuphakama xa amanani entsimbi ehamba phezulu kwaye awe xa ehla. Nangona kunjalo, abo bathenga amashishini okumba iimigodi bathatha ingozi eyongeziweyo ngaphandle kwexabiso lezinyithi.
Ukuthengwa kwezinto ezinqabileyo zemigodi yesityeba kukubheja kulawulo kunye neendawo ezithile zokuvelisa inkampani. Ukuba kukho ingxaki nayiphi na into, intengo yesitokisi ingadibanisa kwisenzo kwisinyithi esisezantsi. Maxa wambi ama-equity equity equity amaxabiso athathekayo kwiimveliso ezixabisekileyo, kwaye ngamanye amaxesha aphantsi.
Xa ukhetha isixhobo kwihlabathi lezinyithi ezixabisekileyo, kubalulekile ukwenza umsebenzi wakho wesikolo. Indlela ehamba phambili yokutyalomali iyimakethe yenyama, kodwa ezinye izithuthi zinikezela ngeendlela ezilula zokungena kunye nokuthengwa xa kuthengwa ukungena nokuphuma kwiindawo. Into ekufuneka uyikhumbule kukuqonda into oyithengayo nokuthengisa kunye nomngcipheko wakho.