Iyini intengo yamanje yamanani esiliva?

Iyini inkinga yokutshala izimali ezinsimbi eziyigugu? Ngamaphi amacala azoba usizo, futhi yiziphi izimo - akunjalo? Lezi nezinye izinkinga ezifanayo zithandeka kubantu bethu bakithi. Ngokuyinhloko, ukuguqulwa okwamanje kwamanani esiliva nethemba lekambiso yalo yesikhathi esizayo. Ake sizame ukulinganisa izinzuzo nezindleko zokutshala imali ensimbi enikeziwe.

Yini ochwepheshe abathi?

Abahlaziyi baxwayisa ukuthi izintengo zokunyuka kwamanani zesiliva zihlotshaniswa nezinga eliphakeme leengozi, njengoba ukungazami kwemali yalensimbi kuphezulu kakhulu. Kumele kuqashelwe ukuthi ivolumu yokunikezwa kwalensimbi, ngokuqhathaniswa negolide yendabuko, iyingcosana izikhathi eziningana, futhi ukusakazeka kwesilinganiso sexabiso kuyahluka ku-25-35% (ngegolide akudluli ku-5%). Ukutshala imali ngesiliva - umcimbi kunengozi. Kodwa-ke, lapho kuningi lokungazami, awukwazi nje ukulahlekelwa kuphela, kodwa futhi uthola imali ngokufanele. Ngenani elikhulu lamabhange, libiza kakhulu kakhulu kunegolide, futhi uma ulandela inkambo yalo futhi ucabangela ukuziphatha kwalo ngokuphathelene nokuguquguquka kwemali emikhulu, khona-ke ukutshalwa kwezimali kule nsimbi kuyoba ukutshalwa kwezimali okunenzuzo.

Amanani esiliva: i-dynamics ka-2013

Ake siqale ngamaqiniso. Uma ubheka igrafu yalensimbi kulo nyaka, khona-ke ukubuka kuqala kungase kubonakale kudumazayo. Kusukela ekupheleni kukaJanuwari, lapho inani eliphakeme liphindwe izikhathi ezingu-$ 32 ngehora ngalinye, ukuguqulwa kwezintengo zesiliva kuze kube sekupheleni kukaJuni kulo nyaka kwaqondiswa phansi. Ngomhla ka-23 Juni, ukubaluleka kwalensimbi kwawela ku-$ 18.18 ngehora ngalinye. Ngemva kokufinyelela lokhu okungenani, izintengo zamanani zesiliva zithatha inkambo enyakatho. Lo mkhuba awuzange uhlale isikhathi eside, kusukela ngo-Septhemba 19 (ophukile emakethe angu-$ 23.44), ukubaluleka kwensimbi kwaqala ukwehla. Futhi ngoDisemba 4 inani lentengo yesiliva liye lafinyelela ku-$ 18.89 nge-ounce, ngemva kwalokho lenyuke futhi. Kuze kube nini? Konke kuncike ekutheni imboni yomhlaba izokhula kanjani eminyakeni ezayo, kanye nokuzinza emakethe yokushintshaniswa kwamanye amazwe.

Amathemba

Ekupheleni kukaNovemba, abahlaziyi be-UBS bahlukumeza isibikezelo sabo segolide nesiliva. Ngokombono wabo, azikho izisusa zokukhula kwalezi zinsimbi eziyigugu esikhathini esizayo esizayo. Ochwepheshe bakholelwa ukuthi ngoDisemba walonyaka, intengo yesiliva izoguquguquka cishe u-$ 19 ngehora ngalinye, futhi ezinyangeni ezintathu ezizayo izokhula ibe yi-$ 16 ngehora ngalinye. Ingabe lokhu kusho ukuthi ukutshala imali ngesiliva akusizi manje? Impendulo ixhomeke ukuthi uhlela ukutshala isikhathi eside kangakanani. Kumele kuqashelwe ukuthi, kusukela ngekhulu le-19, isiliva lisetshenzisiwe kakhulu embonini, eliyithinta kakhulu izinga lemvelo yalo. Iminyaka engu-113 kuphela edlule yayingama-ounces ayizigidi eziyizinkulungwane eziyi-12. Ngo-2007, izinga labo lafinyelela ezigidini ezingu-300, kanti uma izinga lokusetshenziswa kwalesi sensimbi lihlala lingashintshi, ngo-2020 zonke izimpahla zesiliva zingagcina zimile. Yingakho eminyakeni eyishumi ezayo ukushintsha kwamanani esiliva kungabonisa ukwanda okukhulu. Ngakho-ke, ngokutshalwa kwezimali isikhathi eside, ukutshalwa imali kule nsimbi eyigugu kuzoba nenzuzo, kodwa kudingekile ukulinda izinyanga ezimbalwa ukuqinisekisa ukuthi ukuziphatha okuphansi sekuphelile futhi sekubuye kutholakale umfutho omuhle.