Lo mhlahlandlela ophelele wabaqalayo uzokuhambisa ezinyathelweni zokuthenga okungaba yisiliva.
Sizobheka izindlela ezahlukene zokuthenga isiliva, njengama-ETF nekusasa, kanye nezinhlobo ezahlukene zamabha esiliva ongazithenga, njengezinhlamvu zesiliva noma amabha. Inketho ngayinye inezinzuzo zayo kanye nokubi. Okokugcina, sihlanganisa lapho singathenga khona isiliva, okuhlanganisa nezindawo ezingcono kakhulu zokuthenga isiliva ku-inthanethi futhi mathupha.
Ngamafuphi, ukuthenga imigoqo yesiliva ebonakalayo kungenye yezindlela ezingcono kakhulu zokuthenga isiliva njengoba kukuvumela ukuba ube ngumnikazi futhi utshale ensimbi eyigugu ngendlela ebonakalayo. Uma uthenga izinsimbi eziyigugu ezibonakalayo, uthola ukulawula okuqondile kanye nobunikazi bokutshalwa kwezimali kwakho okuyisiliva.
Yiqiniso, kunezindlela eziningi zokuthi abatshalizimali bathenge isiliva noma baqagele emakethe yezinsimbi eziyigugu. Lokhu kungase kuhlanganise:
Ama-mutual funds amaningi aphinde atshale imali kumathuluzi ezezimali ashiwo ngenhla. Lapho inani lalezi zimpahla likhuphuka, abanikazi bamasheya bazo benza imali.
Ngaphezu kwalokho, kukhona ubunikazi bangempela besiliva elingokwenyama, okuyinto kubatshalizimali abaningi besiliva kuyindlela engcono kakhulu yokuthenga insimbi eyigugu. Kodwa lokho akusho ukuthi ukuba nemishayo yesiliva kuyisu elihle kakhulu lokutshala izimali kuwe.
Kodwa-ke, uma ufuna ukuthenga nokudayisa isiliva lapho futhi lapho iseduze nenani lendawo, lokhu kungase kube indlela efanele yokuthenga insimbi eyigugu.
Nakuba amasheya esiliva noma amasheya ezimayini zesiliva afakazele impumelelo kwabaningi, ekugcineni kosuku uncike kubuchwepheshe obusebenzayo ukuze uqalise ukuthenga nokudayisa lapho usulungile. Kwesinye isikhathi uma usebenzisana nomthengisi wamasheya, angase angenzi ngokushesha ngendlela obungathanda ngayo.
Futhi, izinsimbi ezibonakalayo zingathengiswa khona lapho phakathi kwezinhlangothi ezimbili ngaphandle kwamaphepha amaningi. Ingase isetshenziselwe ukushintshana phakathi kwezimo eziphuthumayo noma ukwehla komnotho.
Kodwa iyiphi indlela engcono kakhulu yokuthenga isiliva? Ayikho impendulo eyodwa, kodwa uma wazi ukuthi yiziphi izinketho ezitholakalayo, ungenza ukukhetha okungcono. Funda mayelana nazo zonke izinketho zakho zokuthenga kumhlahlandlela ophelele wokuthenga wesiliva ovela kochwepheshe be-Gainesville Coins®!
Uma unesithakazelo ekuthengeni isiliva elingokwenyama futhi ufuna izimpendulo zemibuzo yakho mayelana nokuthi yiziphi izinhlobo zezinto zesiliva ongazithenga, kanjani futhi kuphi lapho ungazithenga khona, kanye nezinye izici ezibalulekile zokuthenga imigoqo yegolide ebonakalayo, khona-ke lo mhlahlandlela ungowakho.
Ungase ungajwayelene nemakethe yesiliva, kodwa cishe ujwayelene nezinhlamvu zesiliva. Eqinisweni, abantu abaningi abafuna ukutshala imali esiliva cishe bazikhumbula besebenzisa izinhlamvu zemali zesiliva ekuhwebeni kwansuku zonke emashumini eminyaka edlule.
Kusukela lapho izinhlamvu zemali zesiliva zaqala ukusakazwa, intengo yesiliva ikhuphukile - kuze kube sekupheleni! Yingakho ngo-1965 i-United States yaqala ukukhipha isiliva ezinhlamvu zemali eyayisetshenziswa. Namuhla, u-90% wemali yesiliva kanye ngosuku iyimoto enhle yokutshala imali kulabo abafuna ukuthenga isiliva eliningi noma eliningi ngokuthanda kwabo.
Abatshalizimali abaningi baphinde bathenge imigoqo yesiliva yesimanje emintini yangasese neyomphakathi. Ibha yegolide isho isiliva ngendlela yayo emsulwa kakhulu. Lokhu kuhlukile kwezinye izindlela zokuthi abatshalizimali bathole isiliva ngezimakethe zezimali, amasheya abavukuzi besiliva (“amasheya esiliva”) kanye namanothi okushintshana ashiwo ngenhla.
Ngaphezu kwezinhlamvu zesiliva ezingu-90% ezisanda kushiwo, i-US Mint nayo inezinhlamvu zemali zesiliva ezingu-35%, 40% kanye no-99.9%. Ingasaphathwa eyesiliva evela emhlabeni wonke.
Lokhu kufaka phakathi i-Royal Canadian Mint kanye nezinhlamvu zayo ze-Canadian Maple Leaf, i-British Royal Mint, i-Perth Mint e-Australia, nezinye izinti eziningi ezinkulu. Itholakala ngobukhulu obuhlukahlukene, ubujamo, amahlelo nemibala, lezi zinhlamvu zemali zomhlaba zinikeza abaqoqi nabatshalizimali izinhlobonhlobo zezinketho zokuthenga isiliva ezikhangayo.
Yiziphi izinto ezimbi eziyinhloko zokuthenga izinhlamvu zemali zesiliva? Uhlamvu lwesiliva cishe ngaso sonke isikhathi luba nenani elincane kodwa elibalulekile eliyinumismatic (inani eliqoqwayo). Ngakho-ke, ngokuvamile izobiza ngaphezu kwamarawundi esiliva noma imigoqo yokucoleka okufanayo, isisindo, nokucoleka. Izinhlamvu zemali zesiliva ezinevelu eqoqekayo zizoba nenani eliphakeme lenumismatic elingezwe enanini.
Abanye abathengisi banikeza izaphulelo noma ukuthunyelwa kwamahhala lapho amakhasimende ethenga inani elikhulu lezinhlamvu zemali.
Ngokungafani nezinhlamvu zemali, amadola esiliva angamapuleti esiliva angenzi imali. Imibuthano ibhalwe ngamagama alula noma imidwebo eminingi yobuciko.
Nakuba imijikelezo ingeyona imali ye-fiat, isathandwa ngabatshalizimali besiliva ngezizathu eziningi.
Kulabo abafuna enye indlela eyindilinga futhi bafuna isiliva libe seduze nentengo yalo yemakethe ngangokunokwenzeka, imigoqo yesiliva iyatholakala. Izinhlamvu zemali zegolide zivame ukuhwebelana ngeprimiyamu yamaphesenti ambalwa ngaphezu kwenani lesiliva lendawo, kodwa ungathenga izinsimbi zesiliva ngamasenti ngaphezu kwenani lendawo.
Amabha esiliva ajwayelekile athengiswa endaweni ngokuvamile awawona awobuciko kakhulu, kodwa ngegremu, lena enye yezindlela ezishibhile zokuthenga isiliva. Labo abathanda ubuciko bazothola amabha anomklamo kanokusho, nakuba ngokuvamile kubiza kancane.
Yebo! I-Mint yase-US inikeza isiliva ngezindlela eziningi, okuhlanganisa izinhlamvu zemali zesiliva eziyinombolo kanye nezinhlamvu zemali.
Uma ungathanda ukuthenga izinhlamvu zemali ze-Silver American Eagle zango-2021 ngokuqondile ku-Mint, kufanele uxhumane Nomthengi Ogunyaziwe. I-AP ukuphela komamukeli oqondile wamabha we-US Silver Eagle avela e-US Mint. Lokhu kungenxa yokuthi i-US Mint ayiwadayisi amabha egolide e-US Silver Eagles ngokuqondile emphakathini.
Ezimweni eziningi, umdayisi wemali othembekile uzoba namabha esiliva amaningi atholakalayo ukudayiswa kune-mint.
Amabhange awavamisile ukuthengisa imigoqo yesiliva. Ngeke usakwazi ukuya ebhange futhi ulindele ukuthola izinhlamvu zemali zesiliva ngokufunwa, njengaseminyakeni yawo-1960, lapho izitifiketi zezinhlamvu zesiliva ezazisakazwa zisetshenziselwa le njongo.
Nokho, ukushintsha noma amaroli esiliva dimes, quarters, noma uhhafu wamadola asatholakala ngezikhathi ezithile ezitsheni. Ukuthola okunjalo kuyivelakancane kunomthetho. Kodwa abantu abaphikelela befuna ukuthola eziningi zalezi zinto ezinenhlanhla ngokuphenya izinhlamvu zemali emabhange endawo.
Ukuthenga isiliva esitolo somzimba kuyinkqubo elula. Kulezi zimo, kungcono ukuthenga njalo isiliva kumthengisi wezinhlamvu onedumela elihle noma umthengisi wezinhlamvu zemali.
Lapho uthenga isiliva ku-inthanethi, unezinketho eziningi. Ukufakwa ohlwini kwesivivinyo kuvamile, kodwa lezi zinhlelo ezingakahleleki ngokuvamile zihlanganisa imihlangano ekha phezulu kanye nengozi yokuqolwa.
Ungakhetha indawo yendali eku-inthanethi njenge-eBay. Nokho, ukuthenga insimbi ku-eBay cishe njalo kusho intengo ephakeme. Lokhu kubangelwa ikakhulukazi ukuthi i-eBay ikhokhisa abathengisi izimali ezengeziwe zokufakwa ohlwini lwezinto. Azikho kulezi zinketho ezinikeza indlela elula yokubuyisela noma yokuqinisekisa ubuqiniso besiliva lakho.
Indlela ephephile nelula kakhulu yokuthenga isiliva ku-inthanethi ngokusebenzisa amawebhusayithi abathengisi bensimbi eyigugu abangochwepheshe. I-Gainesville Coins iyindawo engcono kakhulu yokuthenga isiliva ku-inthanethi ngenxa yokuthembeka kwethu, isithunzi esiqinile, isevisi yamakhasimende, amanani aphansi kanye nokukhethwa okubanzi kwemikhiqizo. Ukuthenga izinsimbi eziyigugu ku-inthanethi nge-Gainesville Coins kuyinqubo ephephile nelula.
Sihlala sikulungele ukuphendula imibuzo yakho futhi sichaze inqubomgomo yenkampani yethu. Landela izixhumanisi ezingezansi ukuze uthole ulwazi olwengeziwe ngezinhlamvu zemali ze-Gainesville:
Impendulo incike ezinhlosweni zakho zokutshala imali esiliva. Uma ufuna ukuthenga isiliva ngentengo ephansi kakhulu ngegram, ukubheja kwakho okuhle ukuthenga amarawundi noma amabha. Izinhlamvu zemali zesiliva ziyindlela engcono kakhulu kulabo abafuna ukuthenga izinhlamvu zemali ze-fiat.
Izinhlamvu zesiliva eziphonsiwe zimelela uhlobo lokuvumelana. Lezi yizinhlamvu zemali ezijwayelekile ezigqokwa kakhulu ukunambitheka kwabaqoqi abaningi. Ngakho-ke, anenani kuphela ohlamvini lwesiliva (inani langaphakathi). Lena enye yezinhlobo ezishibhile zezinhlamvu zesiliva ongazithenga. Kodwa-ke, usathola izinzuzo zokuthenga amabha emali ye-fiat ngentengo efanelekile kanye nokuguquguquka kwe-liquidity.
Imibuthano namabha kuvame ukunikeza amanani aphansi esiliva. Ngakho-ke, bamele enye yezinketho ezinhle kakhulu ngokwenani lemali.
Leli fomu lesiliva linezinzuzo eziningi. Izinhlamvu zemali zingasetshenziswa njengemali yangempela ezimeni eziphuthumayo futhi njengethuluzi elikhulu lokuhwebelana. Futhi, esimweni esingenakwenzeka kodwa esingenzeka ukuthi intengo yesiliva iwela ngaphansi kwenani lobuso bohlamvu lwemali, ukulahlekelwa kunqunyelwe inani lobuso bohlamvu lwemali. Uma uthenga izinhlamvu zesiliva, awulahlekelwa yimali ngokuphelele.
Abaningi banethemba lokuthola umthombo ongadalulwanga, indlela yokuthenga inkunzi ngaphansi kwenani lendawo. Iqiniso liwukuthi ngaphandle uma unomthengisi osebenzayo wezinhlamvu zemali noma umdayisi wezinsimbi eziyigugu, awukwazi ukulindela ukuthola isiliva ngaphansi kwenani lendawo endaweni yokudayisa.
Abathengisi kabusha bangabathengi abagxile kwi-wholesale. Ngokusemthethweni bangathola isiliva ngentengo ephansi kancane kunendawo. Izizathu aziyona inkimbinkimbi kakhulu: uma uqhuba ibhizinisi, kufanele ukhokhe ngaphezulu futhi wenze inzuzo encane. Uma ulandelela izintengo zesiliva, uzobona ukuthi ziyashintsha njalo ngeminithi. Ngakho-ke, imajini ezingeni le-wholesale neyokuthengisa lincane kakhulu.
Lokhu akusho ukuthi abathengi abakwazi ukuthenga isiliva ku-inthanethi noma esitolo sabo semali sendawo ngamanani aphezulu ngendlela ehlekisayo. Isibonelo kungaba ukuthenga izinhlamvu zemali eziguge kabi noma ezilimele.
Abathengisi abaningi abangokwenyama nabaku-inthanethi abathengisa izinhlamvu zemali ezingavamile nabo bathengisa isiliva. Bangase bafune ukususa amasheya amakhulu ezinhlamvu zemali zesiliva ezilimele ukuze benze indawo yezinhlamvu zabo zenani eliphakathi nendawo ukuya phezulu.
Kodwa-ke, uma unesithakazelo ngokukhethekile ekutholeni isiliva eningi ngangokunokwenzeka ngemali yakho, cishe awufuni ukuthenga izinhlamvu zemali zesiliva ezinesici. Bangakwazi ukulahlekelwa inani elibalulekile lesiliva ngenxa yokugqoka ngokweqile noma ukulimala.
Sengiphetha, isisho esidala sokudayisa sisebenza ekuthengeni isiliva: “Uthola lokho okukhokhelayo!” Uthola ngempela.
Abathengisi abaningi bezigidi nabathengisi abathengisa isiliva ku-inthanethi, kumamagazini nakumabonakude benza izitatimende ezinjengalezi. Banikeza umbono wokuthi kunobudlelwano obulula bomugqa obuphambene phakathi kwentengo yesiliva nemakethe yamasheya. Eminyakeni yamuva, isiqubulo sabo sokukhangisa ngokuvamile besifana nokuthi “thenga isiliva manje ngaphambi kokuba imakethe yamasheya yehle futhi intengo yesiliva inyuke.”
Eqinisweni, i-dynamics phakathi kwesiliva nemakethe yamasheya ayilula kangako. Njengegolide, iplatinamu nezinye izinsimbi eziyigugu, isiliva liwuthango oluhle kakhulu olumelene nokwehla kwamandla emali noma ezinye izehlakalo ezimbi ezenzeka ngesikhathi sokuwohloka komnotho futhi ngokuvamile kuholela emazingeni aphansi emakethe yamasheya.
Kodwa-ke, noma kwenzeka ingozi, isiliva aliveli ngokuzenzakalelayo lapho imakethe yamasheya iwa. Lokhu kungaboniswa ngokubheka ukuhamba kwamanani esiliva ngoMashi 2020 njengoba ubhubhane lwe-COVID-19 luqala ukucekela phansi i-United States. Imakethe yamasheya yehla, yalahlekelwa cishe ngama-33% wevolumu yayo ezinsukwini ezimbalwa.
Kwenzekani ngesiliva? Inani layo liphinde lehla, lisuka cishe ku-$18.50 iwunsi ekupheleni kukaFebhuwari 2020 laya ngaphansi kuka-$12 maphakathi no-March 2020. Izizathu zalokhu ziyinkimbinkimbi, ngokwengxenye ngenxa yokwehla kwesidingo sezimboni sesiliva esibangelwa ubhubhane.
Pho wenzani uma unesiliva futhi intengo yesiliva iyehla? Okokuqala, ungathuki. Izintengo ziqinisekile ukuthi zizobuyela emuva ngesikhathi esithile, njengoba zenzile ezinyangeni ezilandela ukwehla okukhulu kwamanani esiliva maphakathi no-March 2020. Ngisho noma izimpahla zokuvikela zidingeka kakhulu, kunobungozi obungaholela ekugqokeni izikhindi - ukulahlekelwa isikhathi eside.
Kodwa futhi kufanele ucabange "ngokuthenga okuphansi" ukuze "uthengise phezulu". Uma amanani ephansi, lesi ngokuvamile isikhathi esihle sokuthenga. Inqwaba yabatshalizimali bamasheya abenza lokhu ngesikhathi i-Wall Street yehla ngasekupheleni kuka-March nasekuqaleni kuka-April 2020 bajabulela ukubuyiselwa kwesitoko okumangalisayo ngoMeyi 2020 futhi kamuva njengoba imakethe ikhula kabusha.
Ingabe lokhu kusho ukuthi uma uthenga isiliva lapho amanani ephansi, uzokwenza inzuzo efanayo emangalisayo? Asinalo i-crystal ball, kodwa lelisu lokuthenga livamise ukukhiqiza imiphumela emihle kulabo abanesineke nomdlalo omude.
Ngombono, cishe wonke lawa macebiso angasetshenziswa ekuthengeni imigoqo yegolide ebonakalayo noma enye insimbi eyigugu. Nokho, ngokungafani negolide, isiliva lisetshenziswa ngobuningi embonini.
Isikhathi sokuthumela: Mar-03-2023
