Ukutshala imali igolide. Gcinani imali negolide inzuzo noma cha?

zinhlekelele Global imibuzo mayelana sitshala imali into unomphela futhi injalo ingashintshile. Indoda efuna ukuba uqiniseke ukuphepha izimali zabo okwamanje futhi esikhathini esizayo. Yini ongakhetha kukhona khona ngokwenza lokhu utshalomali nendlela enhle zingabantu, masizame ndawonye.

isingeniso

Man kokuba imali eningi, kuyohlale kunokuningi ukhathazekile ngokuphepha kwabo nokubaluleka. Ngakho-ke, ngokuvamile kakhulu ubeka imali kunoma yimaphi amaphrojekthi, intuthuko, senzo. Nge utshalomali ezinjalo, usenguye ukungaqiniseki mayelana esizayo. Le phrojekthi owayengahluleka, noma into ethile ingase nje zingahambi kahle, ukuze sikwazi ukusho ngokuphepha mayelana kungathembeki kokutshalwa ezinjalo. Lokhu kuphakamisa umbuzo esinengqondo: "? Yini esingayenza, yini ukutshala ukuze okungenani musa ukuhlala ebomvu ekupheleni iminyaka" Impendulo ilula: ukusiza izimali igolide nezinye izinsimbi eziyigugu.

amatshe ayigugu: yini ukutshala?

Namuhla, ungathola ezihlukahlukene izinto ezahlukene ongazikhetha utshalomali. Kodwa kungakhathaliseki ukuthi bayaqhubeka kuyoba esinokwethenjelwa eminyakeni eminingi noma ngisho emashumini, akekho owaziyo. Omunye esintwini uyazi: amatshe ayigugu kanye amatshe zizohlala intengo. Ngokwesibonelo, igolide noma isiliva. Lezi izinsimbi babe izakhiwo njalo futhi ingashintshiwe ngokomzimba - kule ihluke imali. Izinsimbi ayikwazi depreciate ngokugcwele, kanye nemali kungaba iphepha plain ngemizuzwana.

Futhi njengoba siye ukuyichaza kakade, investimenti ngegolide nangesiliva kukhona ethandwa kakhulu futhi kufinyeleleke esikhathini sethu. Umlando ubonisa ukuthi lezi zinsimbi ezimbili bekusolo emalini. Ukutshalwa kwezimali igolide unikeza omningi izinzuzo:

• Imali etshaliwe najlo.
• Igolide abakwazi ulahlekelwe wentengo.
• Igolide kungenzeka zimbi nakakhulu (isib ashise noma ezimanzi).

Ngakho, ngokukhetha ukutshala ensimbini eyigugu, ungaqiniseka esikhathini esizayo futhi ungesabi ezihluzekile ngesikhathi sezinhlekelele. Ukutshala imali igolide akabashiyi nawe abomvu. Nokho, kuyaqondakala ukuthi investimenti ezinjalo kuba eside. Futhi uma ufuna uthole zimali kumele udlale ku umehluko phakathi yentengo kanye intengo ukudayisa igolide yayo.

Igolide njengoba lwemali phansi esidlule

Esidlule kuye kwabonisa ukuthi igolide yayidumile ngokwanele. Lokhu neshaya zonke izinhlobo "ligolide" Endle West. Kulesi senzakalo, ngisho nemisebenzi yashicilelwa. Nathan Lewis wabhala incwadi "Igolide:. Kwemali esikhathini esidlule futhi esikhathini esizayo" Likhuluma nokuntengantenga lwemali ezifana i-dollar ne-value wake eqinile futhi ziyaguquguquka egolide, kanye umthelela wale nkinga futhi amashumi eminyaka, la zezimali ezimbili.

akunakwenzeka ukuba avumelane umcondvo lobalulekile umlobi njengoba ukugcina imali yabo igolide ezithembeke kakhulu manje kunanini ngaphambili-currency. Phela metal ophuzi eziyigugu njalo baziswa futhi nanela baziswa - kuzohluka kuphela kokuhlaziywa okulingana.

Okwenzeka esikhathini esidlule futhi ngiziqhayise igolide kanye nesiliva zemali, okuyizinto sasivumela isikhathi eside zase lisetshenziswa kakhulu emazweni acebile. Nokho, abantu abaye baqaphela ngokuhamba kwesikhathi ukuthi kuwubuwula ukusebenzisa onjalo metal ezibizayo kokuhlaziywa kwamathenda izinto ezishibhile, waqala esikhundleni egolide ongakhetha eshibhile.

Ngingalutholaphi ukuthenga igolide?

Kuze kube manje, cishe zonke yasebhange ezinhle ukuthenga igolide noma, uma esinembile ukusho, ukutshala igolide. Sberbank eRussia, isibonelo, kalula sikuthengisele ensimbini eyigugu amafomu eziningana:

• Amabha Gold. Iza phambi izinsimbi ezahlukene, kusukela komncane kuya komkhulu kunabo omkhulu amakhilogramu ingots.
• zemali Gold. Eziningi zalezi zinhlamvu zemali zisekhona collectible. Ngakho-ke, ukunakekelwa okukhethekile abayikhokhela abaqoqi ngaphezulu. Nokho, uma wena ocebile, ungenza isipho nice lokuzalwa lomngani, ngathenga kuye uhlamvu igolide njengesipho.
• Futhi uhlobo lwesithathu lekusisa ensimbini eyigugu - iwukuba ukuthenga ubucwebe igolide. Uma ukuthenga igolide inkosikazi ethandekayo, lokhu akulona nje isipho omangalisayo, kodwa futhi a utshalomali omuhle uma kwenzeka ukuwa komnotho womhlaba.

Igolide Sberbank ethengisa cishe noma ubani. Yiqiniso, umthengi kumele abe neminyaka ethile ubudala. Ngaphezu kwalokhu, i-kwamaBhayibheli, kusadingeka ukuba bathenge isifiso nemali. Ngakho, kuyacaca ukuthi ukutshala imali igolide itholakala kunoma ubani unethuba.

Amathrendi ku udumo zegolide nezesiliva ngoba ngonyaka

Kulesi 2014, unyaka "igolide zimali" angazuza kahle umehluko ukuthenga nokuthengisa igolide. Lena ngokuyinhloko ngenxa yokuthi kulesi sifundazwe eminyakeni eyedlule, igolide kwaba eshibhile kancane, ngokusekelwe intengo igremu elilodwa. Ngalesi nyaka ukwanda amanani igolide ngo-7 angu ukubaluleka 2013. Ukubheka iphesenti ukuba uhalalisele zimali nge izinqolobane elikhulu igolide - ziye zaba kancane bacebe kakhulu esikhathini esidlule.

Kuyaphawuleka ukuthi isabelo iphesenti izindleko landa, futhi njengoba nje azikho preconditions ukumisa le ukukhula, futhi kulapho ukwehla kwalesi iphesenti. Futhi nakhu tip for labo ungakaqali ukutshala ngegolide: imali kungcono ukuba zibambe. Lokhu kungenxa izindleko eziphakeme metal okwamanje. Ukusebenzisa imali manje, ungakwazi kuphela ulahlekelwe ingxenye ethile izimali ngenxa ukuwa amanani igolide esikhathini esizayo.

Ukugcina gold

Kwabaningi lo mbuzo: "Ugcine kuphi igolide na?" Enkabeni yalo, kuba ezifanele kakhulu futhi yinkinga. Ngo imvelo wanamuhla wembulunga yonke, begodu kukhula ingxenye ubugebengu emphakathini, iningi izindawo abantu angathembekile ukugcina inani elikhulu amagugu. Ngakho-ke, abatshalizimali ufuna indawo lilondeke kakhudlwana, futhi ugcine igolide labo kuzo. Omunye wabo ebhange nge isitoreji ekhethekile.

Ngokwesibonelo, igolide Sberbank lisiphathele ushushiso amakamelo ekhethekile zivikelwe ubuchwepheshe bamuva. Hhayi uthole ikhona amasela noma nabakhwabanisi, futhi umnikazi kuphela uzokwazi ukubheka bengabangane bengcebo yabo. Ngaphezu amabhange, eYurophu kukhona ekhethekile yangasese imali egumbini ukuthi ubamba noma iliphi eziyigugu impahla kwezokuphepha ekusithekeni wonke umuntu.

Uma ucabanga ukuthi zonke lezi ongakhetha ayithembeki, ungakwazi ukuhlela esitolo sakho siqu wathenga futhi ukufakwa ekhaya lakho ephephile yesimanje, okuyinto okunzima kakhulu ukwambula, ngisho nangokwengeziwe ukuba ngisithwale. Ukutshala izimali igolide zidinga izimo isitoreji esikhethekile kuye.

Ukuthenga gold bullion njengenhlangano utshalomali

Amabha Gold - kungenzeka indlela isidina kunazo ukutshala ngegolide. Abakwazi abhekwe njengendoda uhlamvu lwemali, abakwazi igqoke eyigugu, kodwa kungenziwa agcinwe ngezinga elikhulu kakhulu, futhi kuba plus enkulu yalolu hlobo lokutshala imali. Amabha Isisindo igolide kungase kube kufika ku 1 kilogram.

Sberbank ethengisa igolide ingots lobehlukene, ezisukela 2 amagremu. Ngakho, noma ubani angaba woza imali yabo lwemali metal. Njengoba ngithenge metal njengoba enjalo, ngokushesha ngangokunokwenzeka ukuvula i-akhawunti igolide, kepha buyakulala phansi, futhi amagremu yakho noma amakhilogramu. Kubalulekile kakhulu lapho uthenga ukhethe ebhange okunokwethenjelwa yaleli bhizinisi. Ngokwesibonelo, abanye isimo noma quotable kakhulu kuleli zwe. Ngokwenza lokhu, ungase ukutshala ngokuphepha izikhathi Yiqiniso ukuwa ngegolide.

Ukuthenga igolide ngalendoda zemali njengoba investimenti

Sekuyisikhathi eside eyaziwayo ukuthi zemali zegolide futhi isihloko nokutshala izimali. Labo unesizungu ukugcina bullion igolide ungakwazi ukuthenga it in zemali. Lokhu, ngombono wethu, mnandi, futhi kukhona njalo abanye ezihlukahlukene.

Thenga zemali zegolide silula. Okokuqala sidinga ukuthola ibhange uyifeza ukudayiswa yabo. Imininingwane kufanele yaziwe kunoma yimuphi umsebenzi ebhange. Njengoba yayazi ukuthi athengiswe, sifike isisebenzi abanekhono, futhi wazwakalisa isifiso sakhe ukuba bathenge imikhiqizo enjalo bullion zemali. Uma unenhlanhla, ibhange banganikeza izinhlobo eziningana zemali futhi wona ngentengo. Bese usuvele ayoyikhetha kwesinye kukho bese uyithenga. Ukutshala izimali igolide ngokusebenzisa ukuthengwa zemali kakhulu ithuthukiswe emazwekazini aseMelika, eYurophu, futhi muva nje waqala ukuba nazo ezweni lethu.

Uma esikhathini esizayo ucabanga ngokudayisa igolide zemali, kungcono ukuthatha nabo ezizimele noma izitolo pawn. Kungenzeka ukuthi intengo lezi zindawo ukuthenga igolide kuyoba kancane kunangendlela ebhange lapho uthenge. Futhi lokhu kuyafaneleka ukucabangela. Phela, injongo eyinhloko utshalomali - ukulondoloza imali, hhayi usisebenzisa.

Ukutshala imali igolide: imigexo

Ukutshala imali igolide, noma kunalokho, ngegolide imikhiqizo ubucwebe - lena inketho nzima kakhulu inzuzo. Nokho, lolu hlobo utshalomali iyona kujabulise kakhulu ngawe. Ake ngichaze ukuthi kungani. Inkantini kanye zemali - is Yiqiniso, kuhle, kodwa-ke, imikhiqizo zalezi izinsimbi yizicukuthwane ubonise isimo sakho sezimali. Umuntu onendlu enhle, onohlonze zegolide njalo waqonda njengoba abacebile. Ngaphezu kwalokho, nicer lukhulu ekwenzeni umkakhe isipho zegolide futhi ngenxa yalokho zingase ukunikeza ikusasa nomndeni wakho.

Lolu khetho imali imali iyona okungenani inzuzo, ngoba, ngaphezu isisindo, thatha imali nomunye somsebenzi owenziwa - ukuze ukwakhiwa nokudayiswa komkhiqizo. Ngakolunye uhlangothi, kuyoba kujabulise kakhulu ngawe. Nokho, njengoba ngaso sonke isikhathi, obakhethayo. Njengoba Bathi, bangaki abantu, imicabango yabantu abaningi kangaka.

isiphetho

Cabanga umqondo imali igolide, kanye nezinhlobo ukutshalwa kwezimali, indlela ukuze uthole inzuzo kusukela ke, singasho ukuthi lolu hlobo utshalomali onokwethenjelwa ethembisa. Ukukhetha wegolide nizophonswa uzivikele cishe angu-95 abo bonke zinhlekelele global, ngoba ngaso sonke isikhathi kuyoba intengo. Ibonisa kithi indaba - yebo, umlando eminyaka ubudala lapho lokhu metal ubelokhu yayibaluleke kakhulu.