Imbali kunye neendlela zokuHlaba kweeNgcali kwiGold
Masiqale ngokuncinci kwi-investing kwiimali zegolide ngokufunda iziseko zegolide.
Ukusetyenziswa kweGolide njengeMali okanye iMali
Kuze kube ngamaxesha adlulileyo, igolide sele isetyenziswe kuyo yonke imbali njengemali kwaye isetyenziswe njengomgangatho wemali. Umgangatho wegolide xa ixabiso lemali yelizwe liboshwe kwixabiso legolide elizwe. Umntu obambe imali yephepha elithile yelizwe angayifaka ku rhu lumente kwaye afumane ixabiso elivunyelweneyo (ixabiso elivunyelweneyo) kwiindawo zokugcina zegolide.
Igolide njengemilinganiselo yemali inezinto ezintle kunye neengxaki. Iintlobo ezisisiseko ezivela kwinto yokuba igolide iyimpahla echanekileyo: Xa imali yelizwe ichanekile kwi-asethi, akunakwenzeka ukuprinta imali engaphezulu kunokuba ilizwe libe negolide. Oku kuphazamisa nokunciphisa ityala likaRhulumente kunye neentlanga ezikwazi ukuvelisa iimveliso ezingaphezulu ziyakhanga umdla wegolide.
Nangona kunjalo, iintlanga ezinegolide encinci njengemithombo yendalo zisoloko zihlupheke kakhulu ngaphandle kokuba zikwazi ukuhlawulela iimpahla ezininzi kunye neenkonzo.
Kodwa umnqweno wokufumana okanye ukubambelela kwigolide unakho ukuphazamisa umnqweno namandla ukuvelisa iimpahla kunye neenkonzo ezingcono.
Ukusetyenziswa kweGolide njengeCandelo loTyalo-mali okanye iSicwangciso seHedge
Kwimbali yakutshanje, abatyali-mali babe nexhala malunga nokuhlaziywa kwedoli yase-US. Ngenxa yokulahleka okukhulu koorhulumente, urhulumente wesigqeba uphakamisa imali engakumbi kwizoqoqosho njengoko kukhuthaza.
Nangona kunjalo, imali ethe yenziwa, ixabiso eliphantsi. Njengoxhala malunga nokunyuka kwamaxabiso edoli, abatyali-mali abaninzi batyale ngegolide njengendlela ekhuselekileyo yokubona.
Oku kwongeza kwisiphumo sokuzaliseka okuzizalisayo: Njengokuba imfuno yokwenyuka kwegolide, kunjalo nexabiso layo. Ngezizathu ezihambelanayo, igolide ithathwa njengendawo ephephile; abatyali-mali baziva bekhululekile kunye nezinto eziphathekayo ngexesha lokungaqiniseki kwezoqoqosho. Ngenxa yoko igolide ingasetyenziselwa ukuhlaselwa ngokunyuka kwamaxabiso, kodwa kwakhona njengentambo yokulwa namaxesha obunzima bezoqoqosho.
Ukutshala imali kwi-Gold Mutual Funds kunye ne-ETFs
Xa utyalomali kwigolide, akuqhelekanga ukutyalomali ngokuthe ngqo kwixabiso leemveliso. Iindlela eziqhelekileyo zokuthenga igolide ngokuchanekileyo iinqwelo zegolide ze-bullion kunye nendlela eqhelekileyo yokutyalomali kwigolide ngokungahambi ngqo yi-Exchange Traded Fund (ETF) njenge-SPDR Gold Shares (GLD). Iimali zengxowa-mali zibeka imali encinci kwixabiso legolide. Ngokuqhelekileyo ibekwe njenge "Iimpawu ezixabisekileyo," iifowuni ze-gold communally holdings stocks of companies. Iimali ezimbalwa zezona zinto zihamba phambili zegolide, ngokubhekiselele ekusebenzeni kwexesha elide, ukugcinwa kwemenenja emide kunye nomyinge wexabiso eliphantsi kweendleko ziquka iTocqueville Gold (TGLDX) kunye neGabelli Gold Load-Waived (GLDAX.LW).
Yiyiphi eyona nto ibhetele yokutshala imali kwiGolide: i-Mutual Funds okanye i-ETF yegolide?
Inqaku le-Wall Street Journal, i-Gold Mutual Funds ne-ETF yegolide, yenza amanqaku ambalwa. Sebenzisa i-ETF njengentambo yomthonyama ngokuchasana nokunyuka kwamaxabiso okanye ukunyuka kwezomnotho ngokugqithiseleyo xa abatyali-mali bebaleka ukuba bafumane ukhuseleko lwezinto eziphathekayo ezifana negolide. Nangona kunjalo i-WSJ yenza le ngongoma efanelekileyo ye-gold mutual funds:
Ukuba ixabisa i-$ 800 yeefowuni ukuya kwimizuzu yegolide, kunye negolide i-$ 1,000 enye, inzuzo yenkampani i-$ 200. Ukuba igolide iphakama ibe ngama-1,100 e-$, inzuzo iba ngu-300. Ukunyuka kwe-50% kwinzuzo kwi-10% yokunyuka kwindleko yegolide.
Isilumkiso Ngokutshala imali kwiGolide
Kubalulekile ukuba ukhumbule ukuba igolide ayifanele isetyenziswe njengethuluzi lexesha lokuthengisa okanye njengezithuthi zodwa kuzo zonke izinto ozigcinayo. Ixabiso legolide linakho ukujika ngokukhawuleza kwaye ubude bemizuzu emide buyela kwigolide njengendlela yokutshala imali malunga ne-3.00%, ephantsi kakhulu kweso sikhwama seS & P 500 .
Igolide ingaba yinto efanelekileyo yokudibanisa kunye nomlinganiselo ofanelekileyo kwiipotfoliyo ezininzi zezotyalomali zingama-5%.
Qaphela kwakhona: Indlela yokuTyala kwiSiliva , Indlela yokuTyala kwiCopper kunye nendlela yokuTyala kwiPlatinum .
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.