Esi sikhokelo sibanzi sabaqalayo siya kukuhamba kumanyathelo okuthengwa kwesilivere enokwenzeka.
Siza kujonga iindlela ezahlukeneyo zokuthenga isilivere, njenge-ETFs kunye nexesha elizayo, kunye neentlobo ezahlukeneyo zeebhari zesilivere onokuzithenga, njengemali yesilivere okanye imivalo. Inketho nganye ineenzuzo kunye nokungona kwayo. Okokugqibela, sigubungela indawo yokuthenga isilivere, kubandakanya nezona ndawo zingcono zokuthenga isilivere kwi-intanethi kunye nomntu.
Ngamafutshane, ukuthenga imivalo yesilivere yenyama yenye yeendlela ezilungileyo zokuthenga isilivere njengoko kukuvumela ukuba ube ngumnikazi kunye nokutyala imali kwintsimbi exabisekileyo kwifom ebonakalayo. Xa uthenga iintsimbi ezixabisekileyo ezibonakalayo, ufumana ulawulo oluthe ngqo kunye nobunini botyalo-mali lwakho lwesilivere.
Ewe kunjalo, zininzi iindlela zokuba abatyali-mali bathenge isilivere okanye baqikelele kwimarike yeentsimbi ezixabisekileyo. Oku kunokubandakanya:
Uninzi lweengxowa-mali ezihlangeneyo zikwatyala imali kwizixhobo zemali ezikhankanywe ngasentla. Xa ixabiso lezi asethi linyuka, abanini-zabelo babo benza imali.
Ukongeza, kukho ubunini bokwenyani besilivere ebonakalayo, leyo kubatyali-mali abaninzi besilivere yeyona ndlela yokuthenga intsimbi exabisekileyo. Kodwa oko akuthethi ukuba ukubanemivalo yesilivere yeyona ndlela ilungileyo yotyalo-mali kuwe.
Nangona kunjalo, ukuba ufuna ukuthenga nokuthengisa isilivere xa kwaye isondele kwixabiso lendawo, oku kunokuba yindlela efanelekileyo yokuthenga isinyithi esixabisekileyo.
Ngelixa izitokhwe zesilivere okanye izitokhwe zezemigodi zesilivere zingqineke ziyimpumelelo kwabaninzi, ekupheleni kosuku uxhomekeke kubuchwephesha obusebenza ngokufanelekileyo ukuze uqalise ukuthenga nokuthengisa xa sele ulungile. Ngamanye amaxesha xa usebenzisana nomthengisi wempahla, banokungakhawulezi benze njengoko ubungathanda.
Kwakhona, iintsimbi ezibonakalayo zinokuthengiswa kwindawo phakathi kwamaqela amabini ngaphandle kwamaphepha amaninzi. Ingasetyenziselwa ukutshintshiselana ngexesha likaxakeka okanye ukudodobala koqoqosho.
Kodwa yeyiphi indlela efanelekileyo yokuthenga isilivere? Akukho mpendulo inye, kodwa xa usazi ukuba zeziphi iinketho ezikhoyo, unokwenza ukhetho olungcono. Funda malunga nazo zonke izinto onokukhetha kuzo kwisikhokelo esipheleleyo sokuthenga isilivere evela kwiingcali zeGainesville Coins®!
Ukuba unomdla wokuthenga isilivere ebonakalayo kwaye ufuna iimpendulo kwimibuzo yakho malunga nokuba zeziphi iintlobo zezinto zesilivere onokuzithenga, njani kwaye ungathenga phi, kunye neminye imiba ebalulekileyo yokuthenga imivalo yegolide yomzimba, ke esi sikhokelo silungiselelwe wena.
Usenokungaqhelani nemarike yesilivere, kodwa mhlawumbi uqhelene neengqekembe zesilivere. Ngapha koko, abantu abaninzi abafuna ukutyala imali kwisilivere mhlawumbi bazikhumbula besebenzisa iingqekembe zesilivere kwintengiselwano yemihla ngemihla kumashumi eminyaka eyadlulayo.
Ukususela ekubeni iingqekembe zesilivere zafika ekujikelezeni, ixabiso lesilivere liye lanyuka - ukuya kumda! Kungenxa yoko le nto ngowe-1965 iUnited States yaqalisa ukususa isilivere kwiingqekembe zayo ezazisetyenziswa. Namhlanje, i-90% yengqekembe yesilivere kanye yonke imihla sisithuthi esikhulu sotyalo-mali kwabo bafuna ukuthenga kakhulu okanye isilivere eninzi njengoko befuna.
Abatyali-mali abaninzi nabo bathenga imivalo yesilivere yanamhlanje kwiiminti zabucala kunye nezikawonke-wonke. Ibha yegolide ibhekisa kwisilivere ekwimo yayo esulungekileyo ngokwasemzimbeni. Oku kwahlukile kwezinye iindlela zokuba abatyali mali bafikelele kwimalike yemali, izabelo zabasebenzi basezimayini zesilivere (“izabelo zesilivere”) kunye namanqaku otshintshiselwano akhankanywe ngasentla.
Ukongeza kwi-90% yeengqekembe zesilivere ezisandul' ukukhankanywa, i-Mint yase-US inama-35%, ama-40% kunye nama-99.9% eengqekembe zesilivere ezisulungekileyo zase-US. Singasathethi ke ngeengqekembe zesilivere ezivela kwihlabathi liphela.
Oku kuquka iRoyal Canadian Mint kunye neengqekembe zayo zeMaple Leaf yaseCanada, iBritish Royal Mint, iPerth Mint eOstreliya, kunye nezinye iiminti ezininzi ezinkulu. Ifumaneka kwiindidi ezahlukeneyo zobukhulu, iimilo, iimvaba kunye nemibala, ezi ngqekembe zehlabathi zinika abaqokeleli kunye nabatyali-mali ngeendlela ezahlukeneyo zokuthenga isilivere enomtsalane.
Ziziphi izinto ezingalunganga zokuthenga iingqekembe zesilivere? Ingqekembe yesilivere phantse isoloko ineprimiyamu encinci kodwa ebalulekileyo enamanani (ixabiso eliqokelelweyo). Ngaloo ndlela, iya kuba neendleko ngokubanzi ngaphezu kwemijikelo yesilivere okanye imivalo yokucoleka okufanayo, ubunzima, kunye nokucoleka. Iingqekembe zesilivere ezinexabiso eliqokelelweyo ziya kuba nexabiso eliphezulu le-numismatic elongezwe kwixabiso.
Abanye abarhwebi banikezela ngezaphulelo okanye ukuthumela simahla xa abathengi bethenga iimali ezinkulu zemali.
Ngokungafaniyo neengqekembe zemali, iidola zesilivere ziipleyiti zesilivere ezingenzi mali. Izangqa zinobumba olulula okanye imizobo yobugcisa engaphezulu.
Nangona imijikelo ingeyiyo imali ye-fiat, isathandwa ngabatyali-mali besilivere ngenxa yezizathu ezininzi.
Kwabo bafuna enye indlela engqukuva kwaye bafuna isilivere ibe kufutshane nexabiso layo lemarike kangangoko kunokwenzeka, imivalo yesilivere iyafumaneka. Iingqekembe zegolide zikholisa ukurhweba ngeprimiyamu yeepesenti ezimbalwa ngaphezulu kwexabiso lesilivere, kodwa unokuthenga imivalo yesilivere yeepeni ngaphezu kwexabiso lendawo.
Iibha zesilivere eziqhelekileyo ezithengiswa ekuhlaleni aziqhelekanga ukuba nobuchule, kodwa ngegram, le yenye yeendlela ezingabizi kakhulu zokuthenga isilivere. Abo bathanda ubugcisa baya kufumana imivalo enoyilo olutofotofo, nangona ihlala ibiza ngaphezulu kancinci.
Ewe! I-Mint yase-US ibonelela ngesilivere ngeendlela ezininzi, kubandakanya iingqekembe zesilivere ezine-numismatic kunye ne-bullion.
Ukuba ungathanda ukuthenga iingqekembe zeSilver American Eagle zika-2021 ngokuthe ngqo kwiMint, kufuneka uqhagamshelane noMthengi oGunyaziweyo. I-AP nguye kuphela umamkeli ngqo we US Silver Eagle bars ukusuka Mint US. Oku kungenxa yokuba i-US Mint ayithengisi iibha zegolide zeSilver Eagles ngqo eluntwini.
Kwiimeko ezininzi, umthengisi wengqekembe othembekileyo uya kuba neebhari zesilivere ezininzi ezifumanekayo ezithengiswayo kuneminti.
Iibhanki azidli ngokuthengisa imivalo yesilivere. Awunakukwazi ukuya ebhankini kwaye ulindele ukufumana iingqekembe zesilivere kwimfuno, njengakwi-1960s, xa izatifikethi zesilivere ezijikelezayo zisetyenziselwa le njongo.
Nangona kunjalo, utshintsho okanye iiroli zesilivere zedimes, iikota, okanye isiqingatha seedola zinokufumaneka ngamaxesha athile kwiingqayi. Ukufunyaniswa okunjalo kunqabile ngaphandle komgaqo. Kodwa abantu abafuna ukuzingisa baye bafumana uninzi lwezi zinto zinethamsanqa ngokugqogqa iingqekembe kwiibhanki zasekuhlaleni.
Ukuthenga isilivere kwivenkile ebonakalayo yinkqubo elula. Kule meko, kungcono ukuba uhlale uthengela isilivere kwi-bullion broker ehloniphekileyo okanye umthengisi weemali.
Xa uthenga isilivere kwi-intanethi, unokhetho oluninzi. Uluhlu lovavanyo luxhaphakile, kodwa la malungiselelo angacwangciswanga adla ngokubandakanya iintlanganiso zangaphandle kunye nomngcipheko wokuqhathwa.
Unokukhetha indawo yefandesi ye-intanethi njenge-eBay. Nangona kunjalo, ukuthenga isinyithi kwi-eBay phantse kusoloko kuthetha ixabiso eliphezulu. Oku kungenxa yokuba i-eBay ihlawulisa abathengisi imali eyongezelelweyo yoluhlu lwezinto. Akukho nanye kwezi zikhetho ezibonelela ngendlela elula yokubuya okanye yokuqinisekisa ubunyani besilivere yakho.
Eyona ndlela ikhuselekileyo nelula yokuthenga isilivere kwi-intanethi kukusebenzisa iiwebhusayithi zabathengisi bentsimbi exabisekileyo. I-Gainesville Coins yeyona ndawo ilungileyo yokuthenga isilivere kwi-Intanethi ngenxa yokuthembeka kwethu, isidima esiqinileyo, inkonzo yabathengi, amaxabiso aphantsi kunye nokhetho olubanzi lweemveliso. Ukuthenga iintsimbi ezixabisekileyo kwi-intanethi ngeeNyini zeGainesville yinkqubo ekhuselekileyo nelula.
Sisoloko sikulungele ukuphendula imibuzo yakho kwaye sichaze umgaqo-nkqubo wenkampani yethu. Landela amakhonkco angezantsi ukuze ufumane ulwazi oluthe kratya ngeeNyini zeGainesville:
Impendulo ixhomekeke kwiinjongo zakho zokutshala imali kwisilivere. Ukuba ufuna ukuthenga isilivere ngexabiso eliphantsi ngegram, ukubheja kwakho kukuthenga imijikelo okanye imivalo. Iingqekembe zesilivere yeyona ndlela ilungileyo kwabo bafuna ukuthenga iinkozo ze-fiat.
Iingqekembe zesilivere eziphosiweyo zimela uhlobo lokuthobela. Ezi ngqekembe eziqhelekileyo ezinxitywa kakhulu kwincasa yabaqokeleli abaninzi. Ke ngoko, zinexabiso kuphela kwingqekembe yesilivere (ixabiso langaphakathi). Le yenye yezona ntlobo zincinci zeengqekembe zesilivere onokuzithenga. Nangona kunjalo, usafumana izibonelelo zokuthenga imivalo yemali ye-fiat ngexabiso elifanelekileyo kunye nokuguquguquka kwezinto ezininzi.
Izangqa kunye nemivalo idla ngokunikezela ngamaxabiso aphantsi esilivere. Ngaloo ndlela, bamele enye yezona zinto zikhethwa kakhulu ngokwexabiso lemali.
Olu hlobo lwesilivere luneenzuzo ezininzi. Iingqekembe zingasetyenziswa njengemali yokwenene kwiimeko ezingxamisekileyo kwaye njengesixhobo esikhulu sokutshintshiselana. Kwakhona, kwimeko engenakwenzeka kodwa enokwenzeka ukuba ixabiso lesilivere liwela ngaphantsi kwexabiso lobuso bengqekembe, ilahleko iyancipha kwixabiso lemali. Xa uthenga iingqekembe zesilivere, awulahlekelwa yimali ngokupheleleyo.
Abaninzi banethemba lokufumana umthombo ongachazwanga, indlela yokuthenga i-bullion ngaphantsi kwexabiso lendawo. Inyani yeyokuba ngaphandle kokuba unomthengisi wengqekembe osebenzayo okanye umthengisi weentsimbi ezixabisekileyo, awunakulindela ukufumana isilivere engaphantsi kwexabiso lendawo kwindawo yokuthengisa.
Abathengisi ngabathengi abajolise kwihoseyile. Ngokusemthethweni banokufumana isilivere ngexabiso eliphantsi kancinci kunebala. Izizathu azikho nzima kakhulu: xa uqhuba ishishini, kufuneka uhlawule ngaphezulu kwaye wenze inzuzo encinci. Ukuba ulandelela amaxabiso esilivere, uya kuqaphela ukuba ayatshintsha yonke iminithi. Ke ngoko, umda kwi-wholesale kunye nenqanaba lokuthengisa lincinci kakhulu.
Oku akuthethi ukuba abathengi abanakuthenga isilivere kwi-intanethi okanye kwivenkile yabo yengqekembe yendawo ngamaxabiso aphezulu ahlekisayo. Umzekelo uya kuba kukuthenga iingqekembe zemali ezigugileyo okanye ezonakeleyo.
Abathengisi abaninzi bomzimba nakwi-intanethi abathengisa iingqekembe ezinqabileyo nabo bathengisa isilivere. Basenokufuna ukucima ii-stocks ezinkulu zeengqekembe zesilivere ezonakalisiweyo ukwenza indawo yemali yabo ephakathi ukuya kwixabiso eliphezulu.
Nangona kunjalo, ukuba unomdla wokufumana imali eninzi yesilivere kangangoko kunokwenzeka, awufuni kuthenga iingqekembe zesilivere ezineziphene. Bangakwazi ukulahlekelwa ixabiso elibalulekileyo lesilivere ngenxa yokugqoka ngokugqithiseleyo okanye umonakalo.
Ukuqukumbela, i-adage endala yokuthengisa iyasebenza ekuthengeni isilivere: "Ufumana oko uhlawulayo!" Ufumana ngokwenene.
Abathengisi abaninzi beebhiliyoni kunye nabarhwebi abathengisa isilivere kwi-Intanethi, kwiimagazini kunye nakumabonakude benza iinkcazo ezinje. Banika ingcamango yokuba kukho ubudlelwane obulula obuguquguqukayo phakathi kwexabiso lesilivere kunye ne-stock market. Kwiminyaka yakutshanje, isilogeni sabo sokubhengeza besisoloko sifana “nokuthenga isilivere ngoku ngaphambi kokuba imarike yemasheya yehle kwaye ixabiso lesilivere linyuke.”
Enyanisweni, i-dynamics phakathi kwesilivere kunye ne-stock market ayilula kangako. Njengegolide, iplatinum kunye nezinye izitye ezixabisekileyo, isilivere iluthango oluhle kakhulu oluchasene nokunyuka kwamaxabiso ezinto okanye ezinye iziganeko ezimbi ezenzeka ngexesha lokudodobala koqoqosho kwaye ngokuqhelekileyo zikhokelela kwimiqulu ephantsi ye-stock market.
Nangona kunjalo, nakwimeko yokuphazamiseka, isilivere ayiveli ngokuzenzekelayo xa i-stock market iwa. Oku kunokubonakaliswa ngokujonga ukuhamba kwamaxabiso esilivere ngoMatshi ka-2020 njengoko ubhubhani we-COVID-19 waqala ukutshabalalisa i-United States. Imarike yemasheya yehla, ilahlekelwe malunga ne-33% yomthamo wayo kwimiba yeentsuku.
Kwenzeka ntoni kwisilivere? Ixabiso layo liye lehla, ukusuka malunga ne-18.50 yeedola kwi-ounce ekupheleni kukaFebruwari 2020 ukuya ngaphantsi kwe-12 yeedola phakathi kuMatshi ka-2020. Izizathu zoku zintsonkothile, ngokuyinxenye kungenxa yokwehla kwemfuno yemizi-mveliso yesilivere ebangelwa ngubhubhane.
Wenza ntoni ke ukuba unesilivere kwaye ixabiso lesilivere liyahla? Okokuqala, musa ukuphaphazela. Amaxabiso aqinisekile ukuba aya kubuya umva ngexesha elithile, njengoko enzile kwiinyanga ezilandela ukuhla okubukhali kwamaxabiso esilivere phakathi kuMatshi ka-2020. Nokuba ii-asethi ezikhuselekileyo zifunwa kakhulu, kukho umngcipheko onokuthi ukhokelele kwiifutshane - ilahleko yexesha elide.
Kodwa kwakhona kufuneka ucinge "ngokuthenga okuphantsi" "ukuthengisa phezulu". Xa amaxabiso ephantsi, eli idla ngokuba lixesha elifanelekileyo lokuthenga. Abatyali-mali besitokhwe abaninzi abakwenzileyo oku xa iWall Street yehla ngasekupheleni kukaMatshi kwaye ekuqaleni kuka-Epreli ka-2020 bayonwabele imbuyekezo yesitokhwe ngoMeyi ka-2020 kwaye kamva njengoko imakethi iphinda yanda.
Ngaba oku kuthetha ukuba ukuba uthenga isilivere xa amaxabiso ephantsi, uya kwenza inzuzo efanayo engakholelekiyo? Asinayo ibhola yekristale, kodwa eli qhinga lokuthenga lidla ngokuvelisa iziphumo ezilungileyo kwabo banomonde kunye nomdlalo omde.
Kwithiyori, phantse zonke ezi ngcebiso zingasetyenziswa ekuthengeni imivalo yegolide yomzimba okanye nayiphi na enye intsimbi exabisekileyo. Nangona kunjalo, ngokungafaniyo negolide, isilivere isetyenziswa kakhulu kumashishini.
Ixesha lokuposa: Mar-03-2023
