Xa imarike iya kuba yindoda, abatyali-mali bathambekele ekuqaliseni "isicwangciso seqonga lokuphepha". Uhambo lokuya kwiindlela zokuphepha lubeka utyalo-mali obungozi njengamasheya kunye nokongeza utyalo-mali oluzinzile kuma-portfoliyo afana neenqanaba eziphezulu, eziphantsi kweengozi. Olunye utyalo-mali "olukhuselekileyo" lokuba abatyali-mali bavame ukongeza kwiipofofoliyo zabo ngexesha lokuxinezeleka yigolide kuba yinto ekhoyo yokufunda kwezoqoqosho.
Nangona kunjalo, ukubeka izitya zegolide kwi-attic yakho njenge-mini-Fort Knox, kungenzeka ukuba yindlela engcono kakhulu yokuzinzisa iphothifoliyo yakho.
Kukho enye indawo yokungcwaba isifuba se-gold doubts in the sand. Kodwa ngaphambi kokuba utyalomle kwigolide , unokufuna ukufunda ngokubanzi.
Ziziphi i-ETF zeGold?
Faka i- ETF ye-Gold . Imali yokuthengiselana ngeempahla zeGolide zithengiswa ngemali yindlela elula yokubonisa isicwangciso sakho sokutyalombela ekusebenzeni kwegolide, ngaphandle kokufumana nayiphi na imveliso yegolide. Kukho ezininzi iintlobo zee-ETF zegolide , ezinye zazo ziquka iikontraki kunye nezivumelwano zokufumana ukulandelela intengo yegolide kunye neefayili ezinxulumene negolide, ngelixa ezinye zinezinto zegolide ezigcinwe kwithemba. Kukho ne-ETF zegolide ezithatha iinkampani kwi-industry yegolide.
Ngokomzekelo, enye ye-ETF eyaziwayo ye-ETF yiGLD, i-ETF ye-SPDR ye-Gold Shares. Kwimeko ye-ETF ye-ETF yegolide, awuyiyo eyakhe impahla yegolide, ibanjwe yiTrust. I-Trust ithembisa iibhasikiti ngokutshintshela idizithi zegolide xa iibhasikiti zikhululiwe. Ngoko ke, unobungozi kwixabiso legolide, kodwa ungenayo ibhokhwe yegolide ehleli phantsi kwedesksi yakho.
Kutheni Ndifanele Ndiyithenge i-ETF yeGold?
Enye into enhle malunga ne-ETF yegolide yinto elula yokurhweba. Ukuba ufuna ukutshala imali kwicandelo lezemigodi yegolide, kufuneka wenze ukuthengwa kwamasheya egolide. Kwaye ke kukho isigqibo sokuba iinkampani zikhethile. Kwaye nangona unqume ukutshala imali kwi-index yegolide kunye nexabiso eliyigugu njenge-XAU, kusekho umngeni wokuthenga onke amanani kwi-basket index ukwenzela ukujolisa kwixabiso elithile.
Iingxaki kunye neekomishini kwenza kube nzima ukufeza injongo yakho yokutyalo.
Nangona kunjalo, kwimeko ye-ETF yegolide, wenza intengo enye ngentengo enye kwaye ulondoloze kwiikomishoni. I-ETF yegolide sele isetyenziswe ngaphambili. Ngorhwebo omnye, unokungena kwangoko kwintengo yegolide.
Izinzuzo
Xa uqwalasela i-ETF yegolide kwi-portfoliyo yakho, ukukhanga okubaluleke kakhulu kukubaluleka kokudala abatyali-mali. Iintlawulo zentengo ezuzisayo zichazwa kude kube nokuthengiswa kwe-ETF, ukunika imali i- tax benefit enkulu kwizinye iimveliso zentengiso njengemali yokubambisana .
Kukho inzuzo yokuthengiselana okulula kunye nemali ephantsi phakathi kwezinye iindleko ze-ETF . Ukungathethi ukuba akukho mingeni xa kuthengiswa i-ETFs, kodwa ukuba uyayiqonda indlela asebenza ngayo, i-ETF ingaba yintsebenziswano kwisicwangciso sakho sokutyalomali.
Amashishini okuShishino
Njengoko sithe, igolide yimizi ekhuselekileyo. Ukuba ukhangele utyalo-mali oluzinzile kwi-portfoliyo yakho, ngentengiso enye unokuthenga i-ETF yegolide kunye nokunciphisa umngcipheko wakho ophantsi, kuba igolide ithambe ukunyuka kwexabiso njengoko idola lihla.
Kukho imeko yokusebenzisa i-ETF yegolide njengegosa elijongene nomngcipheko ophantsi kokungeniswa kwamashishini angaphandle nakwamashishini . Ngaba uninzi lweempahla zeemigodi zegolide?
Thengisa i-ETF yegolide ukuze uhlasele phantsi. Ngaba unotyalo-mali lwangaphandle kwilizwe elinempahla yegolide njengomthombo walo omkhulu? Le nto iya kuba yithuba elinye lokuthengisa i-ETF yegolide ukukhusela phantsi kwakho.
Kukho indlela yokukhusela i-ETF yakho yezolimo. Ukuba awufuni ukuvala izikhundla zakho ze-ETF, kodwa ufuna ukukhuselwa kwexesha elifutshane, ukhetho lwe-ETF luya kuba yindlela yokuhamba.
Indlela yokufaka i-ETF kwiGosa lakho lePoliyoli
Ukuba ulungele ukuhlolisisa igolide kunye ne-ETF yexabiso lexabiso lentengiso yakho, ndincoma ukuqhuba uphando olunzulu. Ukulandelela ukusebenza kwegolide kwaye ubukele indlela ezinye ze-ETF ezinkulu zegolide ezenza ngayo. Xa unesiphathi kwixabiso, unokufaka umnxeba wakho umnxeba. Nalu uluhlu lwezinye ze-ETF ezidume kakhulu ze- ETNs ukuze uqalise .