Indlela ukutyala ngegolide ebhankini? Indlela imali yigolide?

Gold eminyaka ingqalelo metal elinqabileyo. Isetyenziswa kuphela ukuba ukudala izacholo ekhethekileyo, kodwa ngenxa yolwando lwenkunzi. Kumazwe amaninzi yamandulo iingqekembe zegolide zasetyenziswa lwemali. Bahlala abathetheli kumazwe aphuhlileyo kakhulu ngokwezoqoqosho kwaye ngoku ukhetha ukutyala ngegolide. iphothifoliyo yayo bomelele yaye babe nako ukwenza ummi elula eliqiqayo encinci kuqoqosho.

amanqaku ngembali

Imbali ubudlelwane phakathi kwabantu kunye negolide yaqala kwiminyaka emininzi eyadlulayo. Umhla ngqo liso ayikwazi ngokuba metal elinqabileyo. Ababhali-mbali nangoku mpikiswano ngalo mba. Gold uneminyaka elide lixatyiswa kakhulu kwiipropati zabo ezizodwa. Akunamsebenzi oxidize kwaye mazigcinwe elide ngokwaneleyo. Ezinye kwezihombo zegolide, apho zigcinwa iimyuziyam namhlanje, ngaphezu kweminyaka 2000. Gold kwindalo incinane kakhulu, yaye ukwenzela ukufumana yona, ifuna iindleko zemali omkhulu.

Abantu eyenziwe ngegolide ukususela wavula. Kodwa boom yotyalo lenene yaqala emva 2000. Abantu bakhumbula ukuba metal elixabisekileyo - oko enyanisweni a asethi ethembekileyo. Gold akazange owayo ixabiso. Oku kuthetha ukuba utyalomali metal exabisekileyo, uya kukwazi nje ukugcina imali yabo, kodwa ukwandisa kubo. abatyali Astute abaye ubazuzileyo igolide 2000 kwaye namhlanje ungathengisi ngayo kakhulu olubiza kakhulu. Kangangeminyaka eli-10, i-ounce uTroy linyukile ixabiso nge 560%.

market igolide Modern

Utyalo-mali amatye anqabileyo bezisoloko Akwalinganiselwa. Kodwa isenokuba zizinto ezininzi ezenza ukuba baqwalasele phambi utyala ngegolide. Iindleko metal elixabisekileyo ixhomekeke kwi imeko kwimarike jikelele ngexesha elithile. Ngoko ke, ukwakha ipotifoliyo yotyalo-mali kwenye ngokukhawuleza negolide alifanelekile. Kukho umngcipheko wokulahla imali yakho.

Phambi kokuba ugqibe ukuba ukutyala ngegolide, kuyimfuneko ukuhlola imeko ngamazwe. Ngeendleko ounce benokuba nempembelelo nezomhlaba kwezopolitiko, izindululo zomthetho ezinxulumene ukuthenga nokuthengisa amatye anqabileyo, imeko yezoqoqosho karhulumente, inqanaba loovimba zegolide ye-National Bank, njalo-njalo. D.

Ukwanda kakhulu kwixabiso yegolide kwaphawuleka ngo-2011. iingcali zikholelwa ukuba eli kwesidingo wadalwa ngokuzenzela. Yokothuka nochulumanco benza umsebenzi wabo. abatyali-Small baye baqalisa ukuya kuthenga i intsimbi elinqabileyo amanani amakhulu. Ngo-2014, ubonelelo ehlabathini lonke metal elixabisekileyo uwaphule zonke iirekhodi. Namhlanje, elo nani likhulu kune 180 kweetoni eziliwaka. Phantse isiqingatha zonke ezi ntlanzi - izacholo. Investment yokuzuza imali kwi-23% nje kuphela.

abatyali-mali abaninzi ngoku ezikhawulezayo imali ngegolide. Ukuphonononga abonisa ukuba le ndlela uyakwazi imali ngokwenene. Kodwa sisixhobo mali lwexesha elide. Musa ukulinda ukuba inzuzo kwiinyanga zokuqala ezimbalwa zotyalo-mali.

Yeyiphi indlela imali yigolide?

Indyebo kwi metal exabisekileyo ngeendlela ezininzi. Kukho ithuba ukuthenga yebhanki izitena zegolide kunye imali, athenge le izacholo yokuqala okanye kwakudala, vula akhawunti metal depersonalized kwiziko zemali ukuqalisa ukurhwe- istock exchange, esebenzisa iinkonzo kumthengisi.

Yentengo, njengoko abaninzi, yeyona ndlela kakhulu ifana ukutyala ngegolide. Uphenyo lwe zimali kubonisa ukuba umfownelwa ngokwasemzimbeni kunye nentsimbi anqabileyo (xa kunokwenzeka ukubona, bamba ezandleni zenu) unika nentembelo ngakumbi kwixesha elizayo. Nangona le ndlela buyanceda ukutyala oku kubizwa ngokuba.

imivalo Gold kunye zemali

Abo andazi njani imali ngegolide, Savings Bank inikeza ukuthenga izitena zegolide okanye zemali. Iziko zemali uye mvume efanelekileyo ukuqhuba imicimbi enxulumene amatye anqabileyo. Xa ingot zonke yegolide ibala, nto leyo ethetha inani. Le isaphulelo yebhanki etshe igolide 1 gram ukuya 1 Kilo. Unokufumana ulwazi malunga mveliso, bona isiqinisekiso esemgangathweni.

Ngaphambi kokuba indlela ukutyala imali ngegolide, Savings Bank inikeza simazi kakuhle ngokwemiqathango yesivumelwano. Icacisa iindleko ingot, ubunzima baso fineness. Le metal elinqabileyo, nto leyo enikezelwa kumaziko zemali, 99% iqulathe ngegolide.

Ukutyala imali kwi igolide kunokuba kwakhona ngokusebenzisa iingqekembe. Bona kweentlobo ezimbini - mali kunye nokuqokelelwa. Uhlobo lwesibini inexabiso yembali kwaye zingasetyenziswa ukulondoloza imali. zemali collectible ziyabiza kakhulu. Uvavanyo ozakuba kuphela professional lokwenyaniso. Kulula kakhulu yaye ngokukhawuleza ukuthenga utyalo-mali zemali zegolide.

Ukutyala imali ubucwebe

Kwanabo abatyali zimali abalufumani bawaziyo imisebenzi yezoqoqosho zemali, wazi njani na imali ngegolide. Enye kuphela ukuthenga iqhekeza yokuqala ubucwebe. Le yeyona ndlela ilula nefikelelekayo nokutyala. khetha nje ubucwebe mawuhlawule evenkileni ndiphuma. Akukho mfuneko yokuba ukungena kwimvumelwano ukugcwalisa isibhengezo njalo-njalo. D.

Ukutyala ubucwebe nazo iqela nezingalunganga. Xa imveliso ishiya counter ivenkile, liwa ixabiso nge 25-35%. Ukusebenzisa ixabiso layo ephambili eya kumnqabela yena uThixo. Ukongeza, ukuba ukwenziwa izacholo phantse asisetyenziswa igolide ngohlobo yayo ecocekileyo. Ezininzi iimveliso, ezo thaca ezivenkileni izacholo wengingqi, exabisa -eqatywe 585. Oku kuthetha ukuba i intsimbi iqulethe% 58,5 kuphela igolide. Ngaphambi kokuba utyale imali, Enxibe igolide ecikizekileyo umgangatho onjalo kufuneka acinge izihlandlo eziliqela. Mhlawumbi iyavakala na abasaya ebhankini?

akhawunti metal ezingabiwanga ebhankini

Le akhawunti njengesiqhelo, nto leyo iya kuvulwa kunye kwiziko zemali. Umahluko kuphela kukuba igcina iigram okanye eekhilogram, senziwe ngegolide, kunokuba imali. Abaninzi abazi ukuba utyalo ngegolide ebhankini kunye musa overpay ngexesha elifanayo. Isibakala sokuba ukuthenga ebonakalayo intsimbi elixabisekileyo ngexesha lokupheliswa kwale mvumelwano lungenzeki. Oku kuthetha ukuba intengiselwano ayikho irhafu. Imali senziwa akhawunti ethile. Ngenxa yoko kukho lwemali lokuguqulwa ekuthengisweni ngosuku oluthile.

Kuyenzeka ukuba ukuvula metal idipozithi elide. Isivuno liya kuba ngaphezulu. Umtyali-mali kuya kuba nako ukufumana ngenxa amaxabiso zegolide ephakamileyo kurhwebo lwasekhaya, kwaye uya kufumana inzala idiphozithi yayo.

Ukuvulwa akhawunti metal depersonalized ebhankini inikeza bokuqonda. Isiphelo kwesivumelwano ayidingi naziphi iindleko zemali. Kodwa ukuba umtyali-mali ufuna ukufumana isixa sedipozithi ngegolide, apho kuya kubakho ezinye iindleko. Okokuqala uya kuhlawuliswa-18% VAT kwi-mali yedipozithi. Ukongeza, kuya kufuneka ukuba kabini-khangela nenkalo ye ingot. Kodwa le nkqubo kwakhona azenziwanga free.

Yiyiphi indlela eya imali nenzuzo ngakumbi?

wemali nganye makhwelo bezibuza kungekudala malunga nendlela imali igolide yeyona inzuzo. konke kuxhomekeke koko iziphumo ezilindelekileyo. Ukuba nje ufuna ukulondoloza imali yakho, ukuthenga emzimbeni igolide ecikizekileyo. Kodwa nantsi kungcono ukuba zincede zikhethe bullions zebhanki kunye zemali. Ngale ndlela, le mali iza kukwazi ukuphila ixesha elide.

Kwabo bafuna ukwenza ukufumana igolide kwakhona, iyavakala ukucinga malunga akhawunti metal ezingabiwanga ebhankini. Imingcipheko ephambili enxulumene nokugcinwa kunye umxholo metal elixabisekileyo kuhlala yeziko zemali. Umtyali uya kufumana inzuzo alunakuqinisekiswa. Kokukhona kuya kuba, ukuba ikufumene kwibhanki ixesha elide.

Yeyiphi capital trust ebhankini?

Kuba abo andazi njani imali ngegolide, VTB 24, Sberbank kunye Alfa-Bank wanikela iimeko kuFeliks. La maziko zemali babe ngabantu abakwizihlalo ephambili kurhwebo lwasekhaya. Sberbank, umzekelo, usebenza akhawunti metal depersonalized ukususela ngo-2002. Ngeli xesha, sebenzisa iinkonzo yeziko-mali abatyali-mali ezininzi. Abanye bade bakwazi kabini ikomkhulu yayo. I-Bhanki isebenza njenge-akhawunti, kunye negolide emzimbeni.

Imigaqo Alfa-Bank kunye VTB 24 iyafana kakhulu omnye komnye. La maziko zemali namasebe ezimbalwa kweli lizwe, kunokuba Sberbank. Kodwa ke ingxaki, njengoko umthetho, asivelanga. Nokuba abatyalimali ezincinane banikwe ulwazi malunga nendlela imali ngegolide. Alpha Bank inikeza ukuthenga metal anqabileyo emzimbeni okanye ukuvula i-akhawunti kwi-1 gram.

Urhwebo ngokusebenzisa wabathengi

Ababe- kuqoqosho, abatyali zimali Musa ukungxama ithwalwe imali ebhankini. Trade igolide kungenziwa wasebenza. Esi entsonkothileyo kakhulu kwaye ngexesha elinye ukhetho inzuzo. Akwanelanga ukuba kuphela ikomkhulu sokuqala. Kufuneka wazi ukuba bokuqonda urhwebo kwi istock exchange, ukuba ukuqonda imigaqo kunye nezixhobo zemali. Kulo mzekelo, ungenza ingeniso endilisekileyo zifumaneka kuphela xa amaxabiso metal anqabileyo. A umthengisi ofanelekileyo iya kukwazi ukwamkela kwaye ukuwa ixabiso ounce.

Trade igolide kuphela yomtyali ngenene nazo ziya kuba nako emarikeni. Kukho ingozi enkulu yokuba yokulahlekelwa ngokupheleleyo ikomkhulu labo.

Ndifanele imali igolide?

Malunga ne-50% yazo zonke izinto ozithengileyo negolide, xa lifika umbhodamo kwezoqoqosho yaqala sikarhulumente. Oku kungenxa yokuba i-metal elinqabileyo yenye lwezixhobo zotyalo-mali kakhulu izinzile. Ixabiso ounce zange bemi ngxi. Gold ngomzuzu omnye ukukhula ixabiso nge-15% okanye ngaphezulu enganeno.

Ukutyala imali metal kuwe okuhle kodwa kule kota elide. Kufuneka ube neminyaka 5-7 awulibale malunga ipotifoliyo yakho investment. Kulo mzekelo, isivuno sayo iya kuba phezulu ngokwenene.