Iingxowa-mali kwigolide ziqikelelwa ixesha elide - amaYiputa amandulo amawaka amawaka edluleyo enza iingubo zelinen eluhlaza, kunye nekhulu le-VI BC. Imali yokuqala yegolide yabonakala. Abahwebi bafuna ukudala imali efanelekileyo eya kuyenza lula ubuhlobo kwimarike. Ixabiso leemveliso zegolide zaqatshelwa kwihlabathi lonke, impendulo yayicacile - ezi ziinkozo zegolide.
Emva kokubonakala kwemali yegolide, ukubaluleka kwesi sinyithi esixabisekileyo saqhubeka sikhula. Kwimigangatho eyahlukileyo yokuphuhliswa, imibuso enkulu kunazo zonke ivelise "imilinganiselo yegolide":
- I-UK yavelisa imali yayo ngokusekelwe kwintsimbi-iipounds, i-shilling kunye ne-pence ixabiso elilingana nesixa segolide (okanye isilivere) kuyo.
- Ngenkulungwane ye-18, urhulumente wase-US wabeka umgangatho wesinyithi - iyunithi nganye yeemali kufuneka ixhaswe ngetsimbi exabisekileyo - umzekelo, enye idola yase-US yayilingana ne-24.75 yeegolide zegolide. Okokuthi, iimali ezazisetyenziselwa ngemali zazimele igolide, egcinwe kwibhankini.
Kweli hlabathi lanamhlanje, igolide ayisekho i-dollar yase-US okanye ezinye iirhafu, kwaye isenomthelela omkhulu kuqoqosho lwehlabathi. Igolide ayikho phambili kwimicimbi yansuku zonke, kodwa i-balance balance of banks, iinjongo ezinkulu zezimali ezifana ne-International Monetary Fund, zigcinwa ngegolide.
Ukutshala imali ngegolide - inzuzo kunye neengxaki
Igolide libukeka lizinzile ukusuka kwindawo yokujonga ukutyalomali kuyo, ngokungafani nemali, kodwa abaninzi bayazibuza ukuba kulungile ukutshala imali kwigolide, kwaye yintoni inzuzo yale mali-mali. Kuze kube ngo-2011, ukubaluleka kwesi sinyithi esixabisekileyo kwakhula ngezinga elifanelekileyo, kodwa ngegolide kwakukho ukuwa. Ngoku ixabiso liye lazinza (ukususela kwi-1200-1400 ye-$ nganye nge-troy ounce), abatyali-mali basacinga ukuba ixabiso legolide liya kunyuka kwaye nokuba kunenzuzo ukutyalo kwigolide.
Utyalo-mali kwigolide zidibeneyo
"Abaxhasi begolide" bakholelwa ukuba igolide yinshurensi enokubaluleka kokuhlaziywa kwemali kunye neendawo ezikhuselekileyo kubatyalomali ngeemeko zehlabathi. Izinzuzo zokutyalomali kwigolide zicacile:
- Le nto ifumanekayo kakhulu, kulula ukuthengisa.
- Igolide izinzile, tk. aluxhomekeke kuqoqosho okanye imali yeliphi na ilizwe, ukukhusela ngokunyuka kwamaxabiso, akuyi kuphinda lihlawule.
- Ukugcinwa kwegolide akudingi iimeko ezizodwa.
- I-Metal ayinakonakalisa.
Utyalo-mali kwigolide
Ukutshala imali ngegolide ngokuqinisekileyo akuyona indlela yokufumana ubutyebi obukhawulezayo. Idiphozi zeGolide ziyakwazi ukukhusela kumgangatho ophezulu wamandla emali, kodwa abayi kunyanisa ixabiso lilonke, ukuba kufikelele kwimimiselo emfutshane. Iingxaki zokutyalomali kwigolide zi:
- Akukho nzuzo engenasigxina - abaninzi banqwenela ukutyalomali kwishishini kunye nophuhliso loqoqosho, kwaye kungekhona nje ukugcina imali kwindawo ephephile. Kukho uluvo phakathi kwabathengi ukuba ukuba wonke umntu otyalwe ngegolide, uqoqosho aluyi kukhula.
- Uhlobo oluninzi lokungazinzi lithetha ukuba nokuncipha okuncinci kwintengo kuya kukhokelela ekulahlekelweni okukhulu kwiintengiso, xa kuziwa ukufaka imali kwixesha elifutshane.
- Ukusabalala okukhulu - umahluko kumanani xa kuthengwa nokuthengisa kukhulu. Ukuze uthole inzuzo entle ekuthengiseni igolide, udinga ukwanda okwenyuka kwizinga.
- Awukwazi, ukuba kuyimfuneko, ukuyichitha - ngegolide awuyi kuhamba kwisitoreji, awuyi kuhlawula mboleko. Kungenzeka ukuba kufuneka uthengise impahla yegolide ngexesha elingafanelekanga, kwaye ulahlekelwe yimali eninzi.
Indlela yokutshala imali kwigolide?
Utyalo-mali kwigolide ngokuqhelekileyo kusetyenziselwa ukudibanisa iipotfoliyo zokutshala imali-njongo-nje kuphela ukuba izinga lokutshintshwa liwa, kwaye likhupha imali engaphezulu yempapa , ikhupha igolide kwixabiso. Indlela yokutshala imali kwigolide ukuqinisekisile kuphela ukhuseleko lwamaxabiso, kodwa ukufumana inzuzo? Okokuqala, kufuneka ufumane ukuba yeyiphi inketho yokutyalomali kwegolide.
Utyalo-mali kwiibhola zegolide
Imali yegolide yokutshala imali yindlela ekhethiweyo yotyalo-mali kule ntsimbi exabisekileyo kumaziko emali, urhulumente kunye nalabo abanemali eninzi. Isizathu sigxininisekile ekubeni ubuncwane begolide kwimivalo kufuneka kube ngaphezu kwe-99.5% ukufumana ilungelo lokufumana isigaba sokutshala imali, kunye nesisindo esiphakeme, ukusuka kuma-ounces angama-400, oko kukuthi, i-1 kg.
Iinkalo zokutshala imali kwiibhola zegolide:
- xabiso eliphantsi kwegolide elibonakalayo;
- ziveliswa ngamaminithi ezinokuthenjwa okanye izinto zokucoca iioli ezinkulu.
Umgcini:
- Kunzima ukuthengisa ngenxa yexabiso elimsulwa;
- Kuyingozi ukugcina indlu;
- Kuyinto engathandeki ukuyisebenzisa ukuthengiselana kwamanqanaba amancinane naphakathi.
Xa utyalomali kwimigoqo yegolide, kuyimfuneko ukuqwalasela inani lezinto ezinokuthi:
- ii-ingots zebhanki ziphantsi kwe-VAT, xa kuthengisa igolide, irhafu ayibuyiselwa;
- ukuba awuwuthathi iibhola zegolide ezithengiweyo ukusuka kwibhankini, irhafu yongezwayo ayisebenzi;
- iibhanki zibeka amanani eengots;
- akusoloko ibhange elithengisa imivalo yegolide, libuyisela kwakhona;
- ixabiso legrama enye yegolide kwi-ingot encinci iphezulu kuneyona enkulu;
- umonakalo ekubonakaleni kweengots ukhokelela kumaxabiso aphantsi;
- Ungayithengisa i-bullion kwibhankini, i-pawnshop okanye intlangano yokutyalomali - kungekhona kumntu ngokuthanda.
Ukutshala imali kwiimali zegolide
Enye indlela yokulondolozwa nokwandisa inkunzi yakho ityala imali yegolide. Iingqekembe zihlulwe zibe zintathu iintlobo:
- ayikhunjulwayo - ikhutshwa ngohlobo olulinganiselwe;
- Utyalo-mali lubonisa ibha yegolide ejikelezayo kunye nokumakisha;
- I-Antique - ibe negalelo lexabiso lembali.
Iindleko zexabiso ezininzi kakhulu ziyi-antitique. Ukuze wenze ukuthenga okuyimpumelelo, kufuneka ube yingcali ephezulu, ngoko kukho ithuba lokwenene lokufumana inzuzo. Ukongeza kwixabiso legolide, i-antique kunye neemali zemali ezikhunjulwayo zinexabiso lokuqokelela elikhula kunye neminyaka.
Ukutshala imali ngegolide
Ukutshala imali ngegolide akukhawulelwanga kwiimali zegolide kunye neengots. Gcina imali kwizinto zokugqoka. Ngokomzekelo, e-Indiya, le ngenye yezindlela ezilungileyo zokutshala imali kwigolide - ubucwebe kweli lizwe lifunwa kakhulu, kwaye indleko yendalo iyancipha kunamanye amazwe. Kodwa kwihlabathi lonke iingubo zegolide zifunwa phakathi kwabatyalo-mali:
- kulula ukuthutha;
- ukuba kuyimfuneko, unokunikela;
- ungathengisa ngentengo ephezulu, ukwenza ibhetri kwizinto ezikhethwa ngumthengi.
Utyalo-mali kwimigodi yegolide
Ukuthenga izabelo zeenkampani zeemigodi zegolide kuyindlela enye yokutshala imali kwisinyithi esimnyama. Ukuba ixabiso legolide likhula, ngokwemvelo, "abavelisi" bayazuza. Utyalo-mali olude lwexesha elide kwigolide lubeka ingozi yabo-ukuba amaxabiso awayehla, ngoko into ingahambi kakuhle ngaphakathi kwenkampani. Kufuneka kuqatshelwe ukuba olu khetho lokutyalomali kwigolide lunomvuzo omkhulu-inqanaba eliphezulu lokufumana inzuzo eninzi, ingakumbi ukuba ngumbuzo weenkampani ezifuna ngokuphangaleleyo nokuphuhlisa iifomethi ezintsha.
Utyalo-mali kwiincwadi zegolide
Iincwadi malunga nokutshala imali kwigolide ziza kuxela ngokubanzi malunga nazo zonke iinguqu zeendlela zokuqinisa intlalo yabo:
- Konke malunga nokutyalwa kwegolide . Umbhali uJohn Jagerson unceda abatyala-mali ukuba batyalole kwaye banike imali yabo. Incwadi yakhe iyisikhokelo esinokoqobo se-investors "golide."
- Isikhokelo sokutshala imali kwigolide nangesilivere . UMichael Maloney, umbhali wencwadi, uthetha ngotyalo-mali kwizinto ezinqabileyo njengezona ndlela ezikhethekileyo zokutshala imali, ulwabelana ngeemfihlelo zakhe, indlela yokufumana inzuzo eninzi kunye nokuqonda "igolide".
- I-ABC ye-investing yegolide: indlela yokukhusela nokwakha ubutyebi bakho . Incwadi kaMichael J. Kosarez ukude ifundwe kuphela kwiNgesi yesiNgesi - I-ABCs ye-Gold Investing: Indlela yokukhusela nokwakha ubutyebi bakho ngeGolide, kuyafaneleka.