Ngaba kufuneka utyalole ngegolide?
Igolide sele ithandwa ngabantu abatyali-zimali ngeenkulungwane. Abanini-mali abaninzi banamhlanje bajika kwigolide xa uqoqosho ludlala njengomdlalo wokuzikhusela.
Ngexesha lokungaqiniseki koqoqosho, igolide, ngokufanelekileyo, imilinganiselo yegolide yokukhusela (emva kweemfuno ze-US Treasury). Ixabiso layo lidla ngokukhawuleza ngeemarike okanye ukunyuka kwezoqoqosho.
Xa utyalo-mali-mali ethe yachithwa njengoko kwakunjalo ngo-2008, ixabiso legolide likhuphuka njengabatyala-mali abanomdla bafuna indawo ekhuselekileyo yokubeka imali emakethe.
IGolide yindawo ekuphumeni kwexabiso ngenxa yokuba igcina intengo yayo ingcono kunokuba i-asethi-backed assets, leyo inokunyuka kwixabiso, kodwa ilahle ixabiso.
Uluvo olulungile
Utyalo-mali kwigolide ingcinga efanelekileyo? Mhlawumbi mhlawumbi hayi.Ukutshala imali ngegolide akufani nokuthengwa kwempahla okanye iibhondi. Unokuthatha impahla yegolide ngokuthenga iimali zegolide okanye i-bullion yegolide .
Ungakwazi ukuthenga isitokethi kwiimigodi zegolide kunye neenkampani zokuvelisa, iikontraka zexesha elizayo zegolide, i-gold-focussed cash exchange and other instruments.
Nangona kunjalo, i-purists igxininise ukuba ukuthenga igolide ngokuthe ngqo yindlela efanelekileyo yokusebenzisa inzuzo ekhethekileyo.
Musa ukutyalombela kwigolide kunye nembono ihlala isenyuka. Njengawo nayiphi na impahla, igolide iyaxhomekeke ekunikezeni kunye nokunyanzelwa kweengxaki ezenza ukuba ixabiso liguquke.
Ngomnyaka we-2008, intengo yegolide yahluka ukusuka kwi-$ 720 ngeyure ukuya kuma-dollar ayi-980 enye. Njengoko uqoqosho ludlulela phambili ekuhlaleni, ixabiso legolide liye landa.
Ukucacisa
Igolide nayo ixhomekeke ekucingeni njengenye yempahla eyimveliso.Ngenxa yokuba ungathenga igolide ngeendlela ezininzi, umbuzo obalulekileyo ukuziphendulela ngokwakho yiyiphi indlela yegolide efanelekileyo kuwe.
Ukufumana iimali zegolide okanye i-bullion yinto ekhethekileyo, kodwa kungeyena kuphela. Igolide ngendlela yeengqekembe okanye i-bullion kufuneka igcinwe kwindawo ekhuselekile (engekho phantsi kwethebhulethi yakho).
Oku kungabandakanya ukuhlawula umthengisi okanye omnye umrhumo wemali yokugcina, ongayidla nayiphi na inzuzo.
Ukuziphathela igolide kunye nesibheno esinamandla - kakhulu kunokuba utyalomali kwiimpahla okanye kwiikontrakthi zesikhathi esizayo, umzekelo.
Yintoni eyenzekayo xa ufuna ukuhlawula imali yakho yegolide okanye i-bullion ngokukhawuleza? Akufanele ube neengxaki zokuguqula igolide yakho imali, nangona kuya kufuneka uthathe oko umthengi uya kuhlawula.
Iingqekembe zeGolide kunye ne-bullion zivame ukuthengiswa kwi-premium kwaye zathengwa kwisaphulelo, ngoko awukwazi ukufumana intengo yemarike xa ufuna ukuthengisa.
Ukutshala imali kwiitriti zegolide akufani nokutyalomali nakweyiphi enye ukhuseleko ngaphandle kokuba amanani angashenxisana nokuthengiswa kwemasheya.
Oku akunjalo kwimeko nganye, ingakumbi xa utyalo-mali kwiinkampani zezimayini zegolide . Kule meko, intengo yesitokhwe ingabonakalisa impilo yezemali kunye neemeko zemarike ngaphezu kwexabiso legolide.
Ukutshala imali ngegolide, nokuba isithenjwa senyama okanye i-securities ehlobene negolide, sisisombululo esinzima kwaye akukho mnye ongena ngokulula.
Ukuba ukhetha ukuthenga igolide yangempela, qi niseka ukuba uthenga kumthengisi ohloniphekileyo.
Iingcali ezininzi zezezimali zibonisa ukuba akufanele ube neepesenti ezili-10 zezinto zakho zegolide.