Ukutyala igolide. Gcina imali igolide ongenakunceda okanye akunjalo?

wesimo Global babuze imibuzo malunga ngokutyala into esisigxina yaye phantse ingatshintshwanga. Umntu ufuna ukuba ukuqiniseka ukhuseleko mali zazo ngeli lixa, kwaye kwixesha elizayo. Ziziphi onokukhetha apho lokwenza le mali kunye nendlela ezilungileyo, makhe sizame kunye.

isingeniso

Man ukuba imali eninzi, kuya kusoloko kukho nenkxalabo ukhuseleko nexabiso lazo. Ngoko ke, ngokufuthi ke ubeka imali naziphi na iiprojekthi, uphuhliso, isenzo. Xa utyalo-mali ezinjalo, lo gama ukungaqiniseki malunga nekamva. Le projekthi nakanjani na, okanye into ethile ukuze uye nje ephosakeleyo, ngoko ngokukhuselekileyo ngesimo unreliability-mali ezinjalo. Oku kuphakamisa umbuzo ubhalo: "? Yintoni esinokuyenza, yintoni na imali ukuze ubuncinane musa ahlale ebomvu ekupheleni kweminyaka" Impendulo ilula: ukunceda utyalo ngegolide kunye nezinye amatye anqabileyo.

amatye anqabileyo: ntoni imali?

Kule mihla, unako ukufumana iintlobo iinketho zotyalo ezahlukeneyo. Kodwa nokuba baya kuba oluthembekileyo iminyaka okanye eminyaka nokuba, akukho bani owaziyo. Enye abantu uyazi: amatye anqabileyo namatye ziya kusoloko kwixabiso. Umzekelo, ngegolide okanye isiliva. Lwezi methali babe iipropati rhoqo kwaye zingatshintshi emzimbeni - kulo ahluke cash. Metals ayikwazi depreciate ngokupheleleyo, kwaye imali kunokuba iphepha elingenanto kwimizuzwana.

Yaye njengoko sele niqashele, utyalo-mali igolide nesilivere zezona zinto zithandwa nefikelelekayo ngexesha lethu. Imbali ibonisa ukuba ezi iintsimbi ezimbini soloko kwixabiso. Utyalo-mali igolide unika a lot of eziluncedo:

• Le mali lityale Ungahlala ukubuyela.
• Gold akakwazi kuphulukana ixabiso layo.
• Gold akanako kuwohloka (umz, ukutshisa okanye ezimanzi).

Ngenxa yoko, ngokukhetha ukutyala imali metal exabisekileyo, unokuqiniseka kwixesha elizayo Musa ukuboyika iingxaki. Ukutyala imali igolide angazishiyi kuwe ebomvu. Noko ke, kuyaqondakala ukuba utyalo-mali loo nto ixesha elide. Kwaye ukuba ufuna ukwamkela-mali kufuneka badlale kwi umahluko phakathi kwexabiso lokuthenga kunye nexabiso lokuthengwa zegolide yayo.

Gold njengoko lwemali isiseko elidlulileyo

Ixesha elidlulileyo lubonise ukuba igolide lithandwa ngokwaneleyo. Oku sele eqinisekisiwe kwaye zonke iintlobo "kwegolide" kwi Wild West. Ngesi sihlandlo, nkqu imisebenzi zapapashwa. Nathan Lewis wabhala incwadi ethi "Gold:. Imali elidlulileyo nelizayo" Ithetha malunga kozinzo imali efana dollar, kunye nexabiso ephakadeni womelele nokuguquguquka ngegolide, kwakunye nempembelelo yale ntlekele kunye eminyaka, ezi iimali ezimbini.

akunakwenzeka ukuba uyavumelana uluvo oluphambili umbhali njengoko ukugcina imali yabo negolide ngoku othembeke ngakumbi ngohlobo lwemali. Emva kokuba yonke metal etyheli elixabisekileyo basoloko kakhulu, kwaye iya kuthakazelelwa kakhulu - ziya kwahluka kuphela uvandlakanyo elingana.

Ixesha elidlulileyo alina ke ndiqhayise igolide nesilivere iingqekembe, leyo baxomoloza ixesha elide baba ukusetyenziswa uninzi amazwe atyebileyo. Noko ke, abantu baye baqaphela ngokuhamba kwexesha ukuba asibobulumko ukusebenzisa i zentsimbi imali eninzi olunjalo uvandlakanyo izinto ezitshiphu; waza waqalisa endaweni igolide iinketho zitshiphu.

Ndisenako uthenga phi igolide?

Ukuza kuthi ga ngoku, phantse zonke ibhanki elungileyo ukuthenga igolide okanye, ukuba oluchanileyo ngakumbi ukuba uthi, ukuba imali ngegolide. Sberbank of Russia, umzekelo, ngokulula sikuthengisele intsimbi elinqabileyo ngeendlela ezininzi:

• izitena zegolide. Baya kuza ubunzima ezahlukahlukeneyo, ukusuka kweyona incinane ukuya etshe enkulu kilogram.
• zemali Gold. Inkoliso yezi ngqekembe nangoku collectible. Ngoko ke, ingqalelo ekhethekileyo bahlawula abaqokeleli ngaphezulu. Noko ke, ukuba usisityebi, ungenza wenze isipho entle lokuzalwa umhlobo, ndathenga kuye ingqekembe yegolide njengesipho.
• Kunye nohlobo wesithathu lotyalo-metal elixabisekileyo - kukuba ukuthenga izivatho zegolide. Ukuba uthenga igolide nomfazi zintanda, le nto nje isipho esihle, kodwa utyalo elungileyo xa kuthe ekuweni koqoqosho lwehlabathi.

Gold Sberbank uthengisa phantse nabani. Kakade ke, umthengi kufuneka ibe kwiminyaka ethile. Ukongeza koku, kuba oko kuyimfuneko nangoku ukuthenga umnqweno kunye nemali. Ngoko ke, kucacile ukuba imali igolide ukhona nakowuphi na umntu lowo ithuba.

Imizila ukuthandwa igolide nesilivere yonyaka

Kule-2014, unyaka "abatyali zegolide" wayengase kakuhle kwi umahluko ukuthenga nokuthengisa igolide. Oku kubangelwa ikakhulu yokuba kule minyaka idlulileyo, igolide yaba kancinane atshiphu, ngokusekelwe kwixabiso gram nganye. Kule nyaka ukunyuka malunga 7 pesenti ixabiso lika-2013 kumaxabiso ngegolide. Xa sijonga le pesenti ukuba kwavuyiswana abatyali oovimba amakhulu zegolide - baye kubabetha kancinane kunokuba bekunjalo kwixesha elidlulileyo.

Kubalulekile ukuphawula ukuba ipesenti share kweendleko ukwanda rhoqo, yaye logama nje kungekho imiqathango ukuyeka oku kukhula, kwaye ngakumbi ukuhla le pesenti. Nantsi enye tip abo awukaqalisi ukutyala negolide; imali kubhetele ukuba madolw 'anzima. Oku kungenxa yexabiso eliphezulu intsimbi ngalo mzuzu. Ukutyala imali ngoku, ungaphulukana kuphela inxalenye ethile imali ngenxa ukuwa kwamaxabiso zegolide kwixesha elizayo.

Ukugcina gold

Kuba baninzi lo mbuzo: "Uphi ukugcina igolide?" Xa ezingundoqo zalo, loo nto ilungile kakhulu yingxaki. In bume ehlabathini namhlanje, kunye nokwanda kwicandelo ubugebengu oluntu, uninzi zokuhlala kwabantu ayithembekanga kubantu ukugcina inani elikhulu lamaxabiso. Ngoko ke, abatyali-zimali befuna indawo ekhuselekileyo ngakumbi kwaye ugcine negolide yabo kuzo. Omnye kubo a yebhanki yokugcina okhethekileyo.

Umzekelo, igolide Sberbank ibamba kumagumbi ezizodwa akhuselwe ngeteknoloji entsha. Akukho apho naziphi amasela okanye nabakhohlisi, kwaye kuphela umnini uya kuba nako ukujonga imfuyo yabo. Ukongeza neebhanki, eYurophu kukho ezikhethekileyo zabucala isiqulathi imali ubambe naziphi na izinto eziphathekayo bekhuselekile kwaye emfihlekweni bonke.

Ukuba ucinga ukuba zonke ezi nketho zithembekile, ungahlela ivenkile yakho bathenga nefakiweyo kwikhaya lakho ekhuselekileyo mihla, apho kunzima kakhulu ukuba ukuzivula, yaye ngakumbi ukuba ukuthwala. Ukutyala igolide zifuna iimeko yokugcina okhethekileyo.

Ukuthenga bullion igolide -mali

izitena zegolide - ukuba mhlawumbi le ndlela yokusebenza enesithukuthezi imali ngegolide. Abanakukwazi ukuba zingathathwa nemali eziinkozo, abakwazi ukuba wawusithiwa izacholo, kodwa kunokugcinwa ngomlinganiselo omkhulu kakhulu, kwaye le plus ezinkulu zalo hlobo lotyalo-mali. imivalo igolide inokuba ukuya ku-1 kilogram.

Sberbank uthengisa etshe zegolide ezinobukhulu obahlukileyo, ukusukela grams-2. Ngoko ke, nabani na unako ukuza nokutyala imali yawo lwemali yesinyithi. Ekubeni wathenga metal hlobo, ngokukhawuleza kangangoko kunokwenzeka ukuvula i-akhawunti yegolide, ibuthe khona, kunye grams yakho okanye kilograms. Kubaluleke kakhulu xa uthenga khetha ibhanki ethembekileyo kulo ishishini. Ngokomzekelo, amanye karhulumente okanye kakhulu quotable kweli lizwe. Ngokwenza oku, unako ngokukhuselekileyo utyalo ngamaxesha ikhosi ngokuwa ngegolide.

Ukuthenga igolide iingqekembe umqokeleli -mali

Iye ibe lulwazi eqhelekileyo ukuba iinkozo zemali igolide nayo ndaba imali ixesha elide. Abo isithukuthezi ukugcina bullion igolide nga ukuyithenga iingqekembe. Oku, kuluvo lwethu, ezinomdla kakhulu, kwaye kusoloko kukho abathile ezahlukeneyo.

Thenga zemali zegolide ilula kakhulu. Okokuqala kufuneka ukufumana ibhanki uphumeza ixabiso labo. Ulwazi kufuneka azise nawuphi na umqeshwa bank. Ndakuqonda ukuba iimveliso ezifana kuthengisiwe ngathi, size umsebenzi ofanelekileyo, waza wavakalisa umnqweno wakhe ukuba athenge imali bullion. Ukuba unethamsanqa, ibhanki lungazia iintlobo ezininzi zemali babele ngexabiso. Kwaye ngoko ke uSara uya ukhethe enye okanye enye ukhetho kwaye ukuyithenga uyikhulule ngentlawulelo. Ukutyala zegolide ukuthengwa iinkozo ziphuhliswa kakhulu eMerika, eYurophu, kwaye kutsha nje waqala ukuba nazo kwilizwe lethu.

Ukuba kwixesha elizayo wena ucinga ngokuthengisa iingqekembe zegolide, kuya kuba kuhle ukuba ubasuse ngokuqokelela zabucala okanye nakwiivenkile nenkomo. Kusenokwenzeka ukuba ixabiso ezi iindawo igolide iya kuba lilikhulu kancinci nje ebhankini apho ubazuzileyo. Kwaye oku kuhle ukuba siziphonononge. Ngapha koko, injongo ephambili zotyalo - ukugcina imali, ungachithi nto.

Ukutyala imali ngegolide: izacholo

Ukutyala imali ngegolide, okanye mandithi, kwiimveliso izacholo igolide - le ndlela inzima inzuzo. Nangona kunjalo, olu hlobo lotyalo ezimnandi kakhulu kuwe. Makhe ndinabe kutheni. NeeBhari kunye zemali - into, Kakade ke, into elungileyo, Noko ke, iimveliso zezi izinyithi amanene kubonisa isimo sakho semali. Umntu elihle, izacholo zegolide esinzima usoloko waqonda ukuba sisityebi. Ukongeza, amcele kakhulu ukuba umfazi wakhe isipho izivatho zegolide ngaloo ndlela aze anike elizayo usapho lwakho.

Olu khetho yokuzalisa imali mncinane inzuzo, ngenxa yokuba, ukongeza ubunzima, uyithabathe imali kunye nomnye umsebenzi owenziwe - lokuvelisa kunye nokuthengiswa kwemveliso. Kwelinye icala, kuya kuba mnandi kakhulu kuwe. Noko, ndihleli nje, khetha wena. Njengoko bathi, ukuba abantu abaninzi, iimbono ezininzi kangaka.

isiphelo

Cinga isigama imali zegolide, kunye neentlobo utyalo-mali, ukufumana indlela ingeniso evela kuyo, singatsho ukuba olu hlobo lotyalo a ethembekileyo zithembisa. Ukukhetha igolide, uya uzikhusele wena phantse 95 ekhulwini zonke iingxaki zehlabathi, kuba loo nto iya kuba kwixabiso. Ibonisa ukuba ibali - ewe, imbali kwiinkulungwane-ubudala apho olu belusoloko waba ixabiso elikhulu.