Kutheni Igolide Lixabisekileyo?
Igolide njengeHedge
IiHedges zityalo-mali ezihlawulela ilahleko kwenye iklasi ye-asethi. Abanini-zimali abaninzi bathenga igolide ukuze bahlasele ngokunciphisa imali, ngokuqhelekileyo idola lase - US . Njengoko imali iyawa, idala amaxabiso aphezulu kwimpahla engeniswayo kunye nokunyuka kwamaxabiso .
Ngenxa yoko, igolide nayo ikhusela ngokunyuka kwamaxabiso.
Ngokomzekelo, ixabiso legolide liphindwe kabini phakathi kwe-2002 ukuya ku-2007, ukusuka kwi-$ 347.20 ukuya kwi-833.75 yeeyure. Kungenxa yokuba ixabiso leli dola (njengoko lilinganiselwe nge-euro) lawa ngama-40 ekhulwini ngeli xesha elifanayo.
Ngo-2008, naphezu kweengxaki zemali , abanye abatyalo-mali baqhubeka behlaselwa ngokuncipha kwedola ngenxa yezinto ezimbini ezintsha. Enye yeyona nkqubo ye-Federal Reserve ye -easing easing program, eyenziwe ngoDisemba 2008. Kuloo nkqubo, i-Fed itshintshwe ngetyala lebhanki ye-Treasurys. Ukuxhaswa kwamane kwakha i-credit ngaphandle kwomoya ococekileyo. Abatyalomali babecala ukuba ukongezwa kwenkxaso-mali kuya kubangela ukunyuka kwamaxabiso.
Enye enye yayingeniso-mali yezinga lokurekhoda elaliqhuba umlinganiselo we- debt-to-GDP ngaphezu kwee-77 zepesenti. Lo mgaqo-nkqubo wenkxaso-mali owandisiweyo unokudala ukunyuka kwamaxabiso. Ukunyuka kwetyala likazwelonke kungabangela ukuba idola liyeke.
Uphando olwenziwe yiKholeji yaseTrinity lufumene ukuba igolide yinqaba engcono kakhulu ngokubhekiselele kwi- stock market crash . Kwiintsuku eziyi-15 emva kokuphazamiseka, ixabiso legolide liyakhula ngokukhawuleza emva kokuphazamiseka. Abatyili-bekayo batyeshwe, bathengisa iimpahla zabo baza bathenga igolide. Emva koko, ixabiso legolide lilahlekelwa xabiso kwixabiso lentengo elithengayo.
Abatyalomali babuyiselwa imali kwiimasheya ukuze bafumane amaxabiso abo aphantsi. Abo babambelele kwigolide elidlulileyo kwiintsuku ezili-15 baqalisa ukulahlekelwa yimali.
IGolide njengeNdawo ephephile
Iindawo ezikhuselekileyo zikhusela abatyalo-mali malunga nentlekele ekhoyo. Yingakho abatyala-mali abaninzi bathenga igolide ngexesha leengxaki zemali ka-2008. Ixabiso leGold liqhubekile kwi-skyrocket ekuphenduleni i- eurozone crisis . Abatyalomali babenenkxalabo malunga nefuthe le- Obamacare kunye ne- Dodd-Frank Wall Street Reform Act . Olunye uxinzelelo lwentlawulo ye-debt debt 2011.
Abanye baninzi bafuna ukukhuselwa ngokuwa kwezomnotho kwe-US . Ngenxa yolu ngqongqo olungqongqo lwezoqoqosho, ixabiso legolide liphindwe kabini kwakhona. Ixabiso laphuma kwi-$ 869.75 ngo-2008 ukuya kwirekhodi eliphezulu lama-1,895 kwiSeptemba 5, 2011.
IGolide njenge-Investment Direct
Abanini-zimali abaninzi babefuna ukuzuza kule nyukeko enkulu kwixabiso legolide. Bathenge njengotyalo-mali ngokuthe ngqo ukuba bafumane ithuba lokunyuka kwamaxabiso. Abanye baqhubeka bethenga igolide ngenxa yokuba bayibona njengexabiso eligqibeleleyo kunye nokusetyenziswa kwamashishini amaninzi. Ekugqibeleni kuncinci, igolide ibanjelwa oorhulumente abaninzi kunye nabantu abacebileyo.
Oko kuthetha Kuwe
Igolide akufanele ithengwe yodwa njengotyalo-mali.
Igolide ngokwayo iyimfuneko, kwaye inokuba neeplani eziphakamileyo kunye nezihlambo eziphantsi. Oku kwenza ukuba kube nzima kakhulu kumntu ngamnye otyalo-mali . Emva kwexesha elide, ixabiso legolide alibethi ukunyuka kwamaxabiso. Kodwa igolide iyinxalenye ebalulekileyo yepotythifoliyo eyahlukahlukeneyo . Kufuneka ifake ezinye izinto ezifana neoli, ukumbiwa kwemayini, kunye nokutyalomali kwezinye iimpahla ezinzima.
Kutheni iGolide?
Kutheni igolide kufuneka ibe yixabiso elinesici esiyingqayizivele? Inomlando omdala njengendlela yokuqala yemali. Kwaye yaba yiseko yesimo segolide esabeka ixabiso kuyo yonke imali. Ngenxa yeso sizathu, igolide inika ulwazi. Idala inzwa yokhuseleko njengomthombo wemali oya kuba nexabiso rhoqo, kungakhathaliseki ukuba yintoni.
Iimpawu zeGold zichaza nokuba kutheni zingangqinelani nezinye izinto. Ezi ziquka amasheya, iibhondi kunye neoli.
Ixabiso leGolide alisayi kuvela xa ezinye iiklasi ze-asethi zenza. Akunalo ulwalamano oluphambene neentengo kunye nezibophelelwano zenzana.
Esikhundleni salo, kubonakalisa ezinye iimvakalelo. Oku kwenza esinye isizathu sokuba negolide njengenxalenye yephothifoliyo ehlukeneyo yanamhlanje ehlabathini jikelele apho iiklasi ezininzi zee-asethi ziphela zidibana. (Umthombo: DG Baur kunye neBom Lucey, Ukuphononongwa kweMali, Ngaba iGolide yiHedge okanye indawo ekhuselekileyo? Ukuhlaziywa kweeShishini, iiBond kunye neGolide , 2010 iphe. 217-229)
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