Iri rakakwana regwaro rekutanga rinokufambisa iwe nematanho ekugona kutenga sirivheri.
Tichatarisa nzira dzakasiyana dzekutenga sirivha, dzakadai seETFs neramangwana, pamwe chete nemhando dzakasiyana dzesirivha dzebharu dzaunogona kutenga, dzakadai semari yesirivha kana mabhawa. Imwe neimwe sarudzo ine zvayakanakira nezvayakaipira. Chekupedzisira, tinovhara kupi kwekutenga sirivheri, kusanganisira nzvimbo dzakanakisa dzekutenga sirivha online uye mumunhu.
Muchidimbu, kutenga mabhawa esirivheri enyama ndeimwe yedzakanakisa nzira dzekutenga sirivha sezvo ichikubvumidza kuti uve wako uye kuisa mari musimbi yakakosha mune inobatika fomu. Paunotenga simbi dzinokosha, iwe unowana kutonga kwakananga uye muridzi wesirivheri yako yekudyara.
Ehe, kune nzira dzakawanda dzekuti vanoisa mari vatenge sirivha kana kufungidzira mumusika wesimbi yakakosha. Izvi zvinogona kusanganisira:
Mazhinji mutual funds anoisawo mari mune zvambotaurwa zvemari zviridzwa. Kana kukosha kwezvinhu izvi kuchiwedzera, vagovani vavo vanoita mari.
Pamusoro pezvo, kune muridzi chaiwo wesirivheri yenyama, iyo kune vazhinji vanoita mari yesirivha ndiyo nzira yakanakisa yekutenga simbi yakakosha. Asi izvo hazvireve kuti kuva nesimbi mabara ndiyo yakanakisa nzira yekudyara iwe.
Nekudaro, kana iwe uchida kutenga nekutengesa sirivha nguva uye kupi iri pedyo nemutengo wenzvimbo, iyi inogona kunge iri nzira chaiyo yekutenga simbi yakakosha.
Nepo masheya esirivha kana sirivheri zvicherwa zvakaratidza kubudirira kune vakawanda, pakupera kwezuva unovimba nehunyanzvi hwekushanda kuti utange kutenga nekutengesa kana wagadzirira. Dzimwe nguva kana iwe unobata stock broker, ivo vanogona kusaita nekukurumidza sezvaungada.
Zvakare, simbi dzemuviri dzinogona kutengeswa ipapo pakati pemapato maviri pasina akawanda mapepa. Inogona kushandiswa kuchinjanisa panguva yekukurumidzira kana kudzikira.
Asi ndeipi nzira yakanakisisa yekutenga sirivha? Iko hakuna mhinduro imwechete, asi kana iwe uchiziva kuti ndedzipi sarudzo dziripo, unogona kuita sarudzo iri nani. Dzidza nezvese sarudzo dzako dzekutenga mugwara rekutenga sirivha kubva kuGainesville Coins® nyanzvi!
Kana iwe uchifarira kutenga sirivha yemuviri uye uchida mhinduro kumibvunzo yako pamusoro pemhando dzipi dzesirivheri zvinhu zvaunogona kutenga, sei uye kupi kwaungazvitenga, uye zvimwe zvakakosha zvekutenga mabhara egoridhe emuviri, saka gwara iri nderenyu.
Iwe unogona kunge usingazivi nezvemusika wesirivha, asi iwe unogona kunge uchiziva mari yesirivha. Muchokwadi, vanhu vazhinji vanoda kuisa mari musirivheri vangangozvirangarira vachishandisa mari yesirivha mukutengesa kwemazuva makumi emakore apfuura.
Kubva pakatanga mari dzesirivha, mutengo wesirivha wakakwira - kusvika pamuganho! Ndicho chikonzero nei muna 1965 United States yakatanga kubvisa sirivha mumari yayo. Nhasi, iyo 90% yesirivha kamwe-zuva imotokari huru yekudyara kune avo vari kutsvaga kutenga yakawanda kana yakawanda sirivha sezvavanoda.
Vazhinji vanoisa mari vanotengawo mabhawa emazuva ano esirivha kubva kune akavanzika uye eruzhinji mints. Goridhe zvinoreva sirivheri iri muchimiro chayo chakachena chemuviri. Izvi zvakasiyana nedzimwe nzira dzekuti vanodyara mari vawane mari kuburikidza nemisika yemari, zvikamu zvevacheri vemigodhi yesirivha (“mashare esirivha”) uye manotsi ekuchinjana ambotaurwa.
Pamusoro pemari yesirivha makumi mapfumbamwe kubva muzana ichangobva kutaurwa, iyo Mint yeUS zvakare ine makumi matatu neshanu muzana, makumi mana muzana uye 99.9% yesirivha yakachena yeUS. Tisingarevi mari yesirivha kubva kumativi ose enyika.
Izvi zvinosanganisira Royal Canadian Mint nemari yayo yeCanadian Maple Leaf, yeBritish Royal Mint, iyo Perth Mint muAustralia, uye mamwe akawanda makuru mints. Inowanikwa muhukuru hwakasiyana, maumbirwo, masangano uye mavara, idzi mari dzepasi rose dzinopa vateresi uye vanoisa mari dzakasiyana siyana dzinoyevedza dzekutenga sirivha sarudzo.
Ndezvipi zvakanyanya kuipa kwekutenga mari yesirivha? Mari yesirivha inenge inogara iine diki asi yakakosha numismatic premium (inounganidzwa kukosha). Saka nekudaro, zvinozowanzo dhura kupfuura maseru esirivha kana mabara ehunyoro hwakafanana, huremu, uye kunaka. Mari dzeSilver dzine kukosha kwekuunganidza dzichava nepamusoro numismatic value yakawedzerwa pamutengo.
Vamwe vatengesi vanopa zvidzikiso kana kutumira mahara apo vatengi vanotenga mari zhinji.
Kusiyana nemari, madhora esirivha mahwendefa esirivha asina kuita mari. Denderedzwa angave ari nyore kunyora kana mamwe madhirowa ehunyanzvi.
Kunyangwe kutenderera kusiri fiat mari, ivo vachiri kufarirwa nevaisiri vesirivha nekuda kwezvikonzero zvakati.
Kune avo vanoda imwe yakapoteredza uye vanoda sirivha kuti ive pedyo nemutengo wayo wemusika sezvinobvira, mabhawa esirivha aripo. Mari dzegoridhe dzinowanzo tengesa nemutengo wepamusoro wezvikamu zvishoma kubva pamutengo wesirivheri, asi unogona kutenga masimbi esirivha nemapeni pamusoro pemutengo wenzvimbo.
Iwo akajairika mabhawa esirivha anotengeswa munharaunda kazhinji haana kunyanya hunyanzvi, asi negiramu, iyi ndiyo imwe yedzakachipa nzira dzekutenga sirivheri. Avo vanoda art vanowana mabara ane dhizaini yakasarudzika, kunyangwe achiwanzo dhura zvishoma.
Ehe! Iyo US Mint inopa sirivheri mumhando dzakawanda, kusanganisira numismatic sirivheri mari uye bullion mari.
Kana iwe uchida kutenga 2021 Silver American Eagle mari zvakananga kubva kuMint, unofanirwa kubata Mutengi Akatenderwa. AP ndiye ega anogamuchira zvakananga US Silver Eagle mabara kubva kuUS Mint. Izvi zvinodaro nekuti iyo US Mint haitengese ma US Silver Eagles mabhara egoridhe zvakananga kune veruzhinji.
Muzviitiko zvakawanda, mutengesi wemari anovimbwa achave ane mabharu esirivha akawanda anotengeswa kupfuura mint.
Mabhangi haawanzo tengesa masimbi esirivha. Iwe hauchakwanisa kuenda kubhangi uye kutarisira kugashira mari dzesirivheri pazvinenge zvichidiwa, sezvakaita muma1960, apo zvitupa zvemasirivheri ekutenderera zvakashandiswa chaizvo chinangwa ichi.
Zvisinei, shanduko kana mipumburu yesirivha dimes, quarters, kana hafu yemadhora inogona kuwanikwa dzimwe nguva mumagaba. Zvakawanikwa zvakadaro ndizvo zvisingawanzo kunze kwemutemo. Asi vanoramba vachitsvaga vakawana zvakawanda zvezvinhu izvi zverombo nekutsvagisa mari mumabhanga emuno.
Kutenga sirivha kubva muchitoro chenyama inzira iri nyore. Muzviitiko izvi, zviri nani kugara uchitenga sirivha kubva kune ane mukurumbira bullion broker kana coin mutengesi.
Paunenge uchitenga sirivha online, une zvakawanda zvingasarudzwa. Rondedzero dzemiyedzo dzakajairika, asi idzi gadziriro dzisina kurongwa dzinowanzobatanidza misangano yepamusoro uye njodzi yekubiridzirwa.
Unogona kusarudza online auction saiti se eBay. Zvisinei, kutenga simbi paBay zvinenge nguva dzose zvinoreva mutengo wepamusoro. Izvi zvinonyanya kukonzerwa nekuti eBay inobhadharisa vatengesi mari yekuwedzera yekunyora zvinhu. Hapana imwe yeiyi sarudzo inopa nzira iri nyore yekudzosera kana kuratidza huchokwadi hwesirivheri yako.
Nzira yakachengeteka uye iri nyore yekutenga sirivheri pamhepo iri kuburikidza nemawebhusaiti evanotengesa simbi yakakosha. Gainesville Coins ndiyo yakanakisa nzvimbo yekutenga sirivheri pamhepo nekuda kwekuvimbika kwedu, mukurumbira wakasimba, sevhisi yevatengi, mitengo yakaderera uye kusarudzwa kwakakura kwezvigadzirwa. Kutenga simbi dzinokosha pamhepo neGainesville Coins inzira yakachengeteka uye iri nyore.
Isu tinogara takagadzirira kupindura mibvunzo yako uye kutsanangura mutemo wekambani yedu. Tevedza zvinongedzo pazasi kuti uwane rumwe ruzivo nezve Gainesville Coins:
Mhinduro yacho inoenderana nezvinangwa zvako zvekuisa mari musirivheri. Kana iwe uchida kutenga sirivha nemutengo wakaderera pagiramu, bheji yako yakanaka ndeyekutenga marounds kana mabhawa. Sirivha mari ndiyo yakanakisa sarudzo kune avo vari kutsvaga kutenga fiat coins.
Mari yesirivha yakakandwa inomiririra rudzi rwekubvumirana. Idzi imari dzemazuva ose dzakanyanya kupfekwa zvekunakirwa nevazhinji vanounganidza. Naizvozvo, ivo vane kukosha chete mumari yesirivha (mukati kukosha). Iyi ndeimwe yemhando dzakachipa dzesirivheri dzaunogona kutenga. Nekudaro, iwe uchiri kuwana mabhenefiti ekutenga fiat currency mabara nemutengo unonzwisisika uye liquidity versatility.
Denderedzwa nemabhawa zvinowanzopa mitengo yakaderera yesirivha. Nokudaro, vanomiririra imwe yezvakanakisisa zvingasarudzwa maererano nekukosha kwemari.
Ichi chimiro chesirivha chine huwandu hwezvakanakira. Mari inogona kushandiswa semari chaiyo mune emergency uye sechinhu chikuru chekuchinjana. Zvakare, muchiitiko chisingafungidzirwe asi chinogoneka chekuti mutengo wesirivheri unowira pasi pehukoshi hwechiso chemari, kurasikirwa kunongogumira kune kukosha kwemari. Paunotenga mari yesirivha, haungorasikirwi nemari zvachose.
Vazhinji vari kutarisira kuwana kusingazivikanwe sosi, nzira yekutenga bullion pazasi pemutengo wenzvimbo. Chokwadi ndechekuti kunze kwekunge uine mutengesi wemari anoshanda kana bhuroka yesimbi yakakosha, haugone kutarisira kuwana sirivha pazasi pemutengo wenzvimbo munzvimbo yekutengesa.
Vatengesi vanotengesa zvinhu zvekutengesa. Vanogona kuwana sirivha zviri pamutemo nemutengo wakaderera pane nzvimbo. Zvikonzero hazvina kuoma zvakanyanya: kana iwe uchimhanyisa bhizinesi, iwe unofanirwa kubhadhara pamusoro uye kuita purofiti diki. Kana iwe ukateedzera mitengo yesirivha, uchaona kuti inochinja miniti yega yega. Naizvozvo, muganho paholesero neretail level yakatetepa.
Izvi hazvireve kuti vatengi havagone kutenga sirivheri pamhepo kana pachitoro chavo chemari nemitengo yakakwira zvinonyadzisa. Muenzaniso unenge uchitenga mari yakasakara kana yakaparara.
Vazhinji vatengesi venyama nevepamhepo vanotengesa mari isingawanzo tengesawo sirivha. Vanogona kuda kubvisa matura makuru emari yesirivha yakakuvadzwa kuti vawane nzvimbo yepakati nepakati pemari yakakosha.
Zvisinei, kana iwe uchinyanya kufarira kuwana sirivha yakawanda yemari yako sezvinobvira, zvichida haudi kutenga mari yesirivha yakaremara. Vanogona kurasikirwa nehuwandu hwesirivha nekuda kwekunyanya kupfeka kana kukuvara.
Mukupedzisa, chirevo chekare chekutengesa chinoshanda pakutenga sirivha: "Iwe unowana chaunobhadhara!" Unowana chaizvo.
Vazhinji vatengesi vemabhirioni uye vatengesi vanotengesa sirivheri pamhepo, mumagazini uye paterevhizheni vanotaura mashoko akadai. Vanopa fungidziro yekuti kune hukama hwakareruka hwemutsara pakati pemutengo wesirivheri nemusika wemasheya. Mumakore achangopfuura, sirogani yavo yokushambadza yagara yakaita sekuti “tenga sirivha iye zvino musika wemasheya usati waderera uye mutengo wesirivha usati wakwira.”
Muchokwadi, iyo dynamics pakati pesirivha nemusika wemasheya haisi nyore. Kufanana negoridhe, platinum nedzimwe simbi dzinokosha, sirivheri ndiyo yakanakisa ruzhowa kurwisa inflation kana zvimwe zviitiko zvisina kunaka zvinoitika panguva yekuderera kwehupfumi uye kazhinji zvinotungamira kuderera kwemusika wemasheya.
Nekudaro, kunyangwe pakaitika tsaona, sirivheri haingosimuka kana musika wemasheya wadonha. Izvi zvinogona kuratidzwa nekutarisa kufamba kwemitengo yesirivheri munaKurume 2020 sezvo denda reCOVID-19 rakatanga kuparadza United States. Musika wemasheya wakadzikira, uchirasikirwa ne33% yehuwandu hwayo mukati memazuva mashoma.
Chii chakaitika kusirivha? Kukosha kwayo kwadzikirawo, kubva pamadhora gumi nemasere.50 pakupera kwaKukadzi 2020 kusvika pasi pemadhora gumi nemaviri pakati paKurume 2020. Zvikonzero zveizvi zvakaoma, pamwe nekuda kwekuderera kwekudiwa kwemaindasitiri kwesirivha kwakakonzerwa nedenda.
Saka unoita sei kana uine sirivha uye mutengo wesirivha unodonha? Kutanga, usavhunduka. Mitengo ine chokwadi chekudzokera kumashure pane imwe nguva, sezvavakaita mumwedzi inotevera kudonha kwakanyanya kwemitengo yesirivheri pakati paKurume 2020. Kunyangwe kana midziyo yakachengeteka iri kudiwa zvakanyanya, pane njodzi inogona kutungamira kune zvikabudura - kurasikirwa kwenguva refu.
Asi iwe unofanirwawo kufunga nezve "kutenga pasi" kuti "kutengesa kumusoro". Kana mitengo yakaderera, iyi inowanzova nguva yakanaka yekutenga. Iwo asingaverengeki evatengesi vemastock vakaita izvi apo Wall Street yakadzikira mukupera kwaKurume uye kutanga kwaApril 2020 vakanakidzwa nekudzoka kwemasheya muna Chivabvu 2020 uye gare gare apo musika wakawedzera.
Izvi zvinoreva here kuti kana ukatenga sirivha kana mitengo yakaderera, unoita purofiti yakafanana? Isu hatina bhora rekristaro, asi zano rekutenga iri rinowanzoburitsa mhedzisiro yakanaka kune avo vane moyo murefu uye mutambo wakareba.
Muchidzidzo, anenge ese aya matipi anogona kushandiswa pakutenga simbi dzegoridhe dzepanyama kana chero imwe simbi yakakosha. Zvisinei, kusiyana negoridhe, sirivha inoshandiswa muhuwandu hwakawanda mumaindasitiri.
Nguva yekutumira: Mar-03-2023
