Ukutshala izimali ngegolide kuye kwacatshangwa isikhathi eside - abaseGibithe lasendulo eminyakeni eyinkulungwane eyedlule benza ubucwebe ensimbi yensimbi, naku-VI leminyaka BC. imali yokuqala yegolide yabonakala. Abahwebi bafuna ukwakha imali ehlelekile ezokwenza lula ubuhlobo emakethe. Inani lemikhiqizo yegolide laziwa emhlabeni jikelele, impendulo yayicacile - lezi yizinhlamvu zegolide.
Emva kokubonakala kwemali yegolide, ukubaluleka kwalensimbi eyigugu kwaqhubeka kukhula. Ngezigaba ezahlukene zokuthuthukiswa, imibuso emikhulu eyethula "izinga legolide":
- I-UK yakhiqiza imali yayo ngokusekelwe ezinsimbi - i-pounds, shilling kanye ne-pence izindleko ezilingana nenani legolide (noma isiliva) kuzo.
- Ekhulwini le-18, uhulumeni wase-US wabeka indinganiso yensimbi - iyunithi ngayinye yezimali kufanele ixhaswe ngensimbi eyigugu - isibonelo, enye idola yase-US yayilingana no-24.75 okusanhlamvu kwegolide. Okusho ukuthi izinhlamvu zemali ezisetshenziselwa imali zimelela igolide, egcinwe ebhange.
Ezweni lanamuhla, igolide alisasekelwa yi-dollar yase-US noma ezinye zezimali, futhi isenomthelela omkhulu emnothweni womhlaba wonke. Igolide alikho phambili ekuthengisweni kwansuku zonke, kodwa izilinganiso zokulondoloza amabhange kazwelonke, izikhungo ezinkulu zezezimali ezifana ne-International Monetary Fund, zigcinwe ngegolide.
Ukutshala izimali ngegolide - izinzuzo nezindleko
Igolide libukeka lizinzile kusukela ekubukeni kokutshala izimali kulo, ngokungafani nemali, kodwa abaningi bayazibuza ukuthi kuwufanele yini ukutshala izimali ngegolide, futhi kuyini inzuzo yalokhu kutshalwa kwezimali. Kuze kube ngo-2011, ukubaluleka kwalensimbi eyigugu kwakhula ngesivinini esihle, kodwa ngegolide kwakukhona ukuwa. Manje intengo igxilile (kusukela ku-1200-1400 $ nge-troy ounce), abatshalizimali basacubungula ukuthi intengo yegolide izokwandisa nokuthi ngabe inenzuzo yokutshala ngegolide.
Ukutshalwa kwezimali kugolide kukhona ama-pluses
Abalandeli "begolide" bakholelwa ukuthi igolide ingumshwalense omuhle ophikisana nokulinganiswa kwemali kanye nendawo ephephile yabatshalizimali ngesikhathi sezingxabano zomhlaba wonke. Izinzuzo zokutshala izimali ngegolide ziyabonakala:
- Lokhu kuyimpahla enhle kakhulu, kulula ukuthengisa.
- Igolide lizinzile, tk. akuxhomeke emnothweni noma ngemali yanoma yiliphi izwe, kuyisivikelo ngokumelene nokukhuphuka kwamanani emali, angeke neze ihlaziye.
- Isitoreji segolide asidingi izimo ezikhethekile.
- I-Metal ayiphanga.
Ukutshala izimali ku-gold - cons
Ukutshala imali ngegolide akuyona neze indlela yokuthola ingcebo esheshayo. I-Gold deposits izokwazi ukuvikela ngokumelene nokukhuphuka kwamandla emali, kepha ngeke neze ikhulise inani eliphelele, uma kuziwa emigomeni emifushane. Izinkinga zokutshala izimali ngegolide ziyi:
- Ayikho inzuzo engunaphakade - abaningi bakhetha ukutshala imali ekuthuthukiseni ibhizinisi kanye nezomnotho, hhayi nje ukugcina imali ephephile. Kukhona umbono phakathi kwabathengi ukuthi uma wonke umuntu etshalwa ngegolide, umnotho ngeke uthuthuke.
- Ukuhlukahluka okubanzi kusho ukuthi ngisho nokunciphisa kancane kwentengo kuzoholela ekulahlekelweni okuphawulekayo ekudayiseni, uma kuziwa ekubambeni isikhathi esifushane.
- Ukusakazeka okuphezulu - umehluko emanani lapho ukuthenga nokuthengisa kuhle. Ukuze uthole inzuzo enhle ekudayiseni kwegolide, udinga ukunyuka okukhulu kwesilinganiso salo.
- Ngeke, uma kunesidingo, uyisebenzise - ngegolide ngeke uhambe esitolo, ngeke ukhokhe imali. Kungenzeka ukuthi kufanele uthengise impahla yegolide ngesikhathi esingalungile, futhi ulahlekelwe imali enkulu.
Indlela yokutshala imali ngegolide?
Ukutshala izimali ngegolide kuvame ukusetshenziselwa ukwehlukanisa iphothifoliyo yokutshala izimali ngenjongo yomshuwalense - uma nje izinga lokushintshaniswa liwela, futhi lichaza ukuthi imali iphakanyisiwe, imali ekhuphuka ngegolide. Indlela yokutshala imali egolide ukuze ungaqiniseki kuphela ukuphepha kwempahla, kodwa futhi ukuze uzuze? Okokuqala, udinga ukuthola ukuthi yiziphi izinketho zokutshala izimali zegolide ezikhona.
Ukutshalwa kwezimali kugalaji yegolide
Imigoqo yegolide yokutshala izimali kuyindlela ekhethiwe yokutshalwa kwezimali kule nsimbi eyigugu yezikhungo zezezimali, umbuso nalabo abanemali eningi. Isizathu sibangelwa ukuthi ukuhlanzeka kwegolide emiphongolweni kufanele kube ngaphezu kuka-99.5% ukufaneleka njengeklasi lokutshala izimali, futhi isisindo - esiphakeme, kusuka kuma-ounces angu-400, okungukuthi, 1 kg.
Izinzuzo zokutshala izimali zegolide:
- intengo ephansi yegolide ngokomzimba;
- zikhiqizwa ngamaminithi amancane noma amafutha amakhulu okucwenga amafutha.
Umthengi:
- Kunzima ukuthengisa ngenxa yenani elihlanzekile;
- Kuyingozi ukugcina indlu;
- Kuyinto engathandeki ukuyisebenzisa ukuthengiselana kwamasayizi amancane naphakathi.
Uma utshala imali egalaji, kuyadingeka ukuthi ucabange inani lezinombolo:
- Ama-ingots ebhange alawulwa yi-VAT, lapho ethengisa igolide, intela ayibuyiselwa imali;
- uma ungathathi amagolide egolide athengiwe ebhange, intela eyongezwayo ayisebenzi;
- amabhange ngokwawo abeka izintengo zezingots;
- hhayi njalo ibhange elidayisa amabhada egolide, libabuyisela emuva;
- intengo yegremu eyodwa yegolide e-ingot encane iphakeme kuneyodwa enkulu;
- ukulimala ekubukeni kwezingots kuholela ezintengo ezincane;
- Ungathengisa i-bullion ebhange, i-pawnshop noma inhlangano yokutshala izimali - hhayi kunoma ubani ngokuthanda.
Ukutshala imali ngemali yegolide
Enye indlela yokulondoloza nokwandisa inzuzo yakho isitshala imali zemali zegolide. Izinhlamvu zemali zihlukaniswe zibe izinhlobo ezintathu:
- okukhunjulwayo - kukhishwa ngohlelo olulinganiselwe;
- Ukutshalwa kwezimali - kubonisa ibha yegolide ejikelezayo ngokumaka;
- I-Antique - ibe ne-appendage yenani lomlando.
Izinhlamvu zemali ezibizayo kakhulu ziyi-antique. Ukuze wenze ukuthenga okuphumelelayo, udinga ukuba uchwepheshe ongcono kakhulu, khona-ke kukhona ithuba langempela lokuthola inzuzo enhle. Ngaphezu kokubaluleka kwegolide elingokwenyama, izinhlamvu ze-antique nezokukhunjulwa zinenani lokuqoqa elikhulayo neminyaka.
Ukutshala imali ngezingubo zegolide
Ukutshala izimali ngegolide akukhawulelwanga zemali zegolide nezinhlamvu. Faka imali ekuhlobheni. Isibonelo, eNdiya, lena enye yezindlela ezingcono kakhulu zokutshala izimali zegolide - kuleli zwe lifuna kakhulu, futhi izindleko zokudalwa ziphansi kunamanye amazwe. Kodwa emhlabeni wonke ubucwebe begolide buyadingeka phakathi kwabatshalizimali:
- kulula ukuthutha;
- uma kunesidingo, ungakwazi ukunikela;
- ungathengisa ngentengo ephakeme, okwenza ukubheja ezintweni ezithandwa ngumthengi.
Ukutshalwa kwezimali ezimayini zegolide
Ukuthenga amasheya ezinkampanini zezimayini zegolide kuyindlela enye yokutshala imali ensimbi yensimbi. Uma intengo yegolide ikhula, ngokwemvelo, "abakhiqizi" nabo bayazuza. Izitshalomali ezinjalo zesikhathi eside zegolide zinezingozi zabo - uma amanani angehla, khona-ke into ingase ihambe kahle ngaphakathi kwenkampani. Kumele kuqashelwe ukuthi le ndlela yokutshala izimali ngegolide inenzuzo ebalulekile - amathuba amakhulu kakhulu enzuzo enkulu, ikakhulukazi uma kungumbuzo wezinkampani ezifuna ngokuzimisela nokuthuthukisa amadiphozi amasha.
Izimali ezisegolide - izincwadi
Amabhuku mayelana nokutshala izimali ngegolide azokutshela ngokuningiliziwe ngawo wonke ama-nuances ngale ndlela ukuqinisa inhlalakahle yabo:
- Konke ngokutshala imali ngegolide . Umlobi uJohn Jagerson usiza abatshalizimali ukuba batshale izimali zabo futhi babelane. Incwadi yakhe iyisiqondiso esiwusizo sabatshalizimali "begolide".
- Isiqondiso sokutshala izimali ngegolide nesiliva . UMichael Maloney, umbhali wencwadi, ubheka ukutshalwa kwemali ezintweni eziyigugu njengendlela engcono yokutshala izimali, uhlanganyela izimfihlo zakhe, ukuthi angathola kanjani inzuzo enkulu futhi aqaphele amadili angcono kakhulu "egolide".
- I-ABC ye-investing yegolide: indlela yokuvikela nokwakha ingcebo yakho . Incwadi kaMichael J. Kosarez kuze kube manje ingakwazi ukufunda kuphela inguqulo yesiNgisi - I-ABCs ye-Gold Investing: Indlela Yokuvikela Nokwakha Imfuyo Yakho ngeGold, kuwufanele.