Mā tēnei aratohu whānui mō te hunga tīmata koe e ārahi i ngā kaupae o te hoko hiriwa pea.
Ka tirohia e tātou ngā huarahi rerekē hei hoko hiriwa, pērā i ngā ETF me ngā āmua, tae atu ki ngā momo pae hiriwa rerekē ka taea e koe te hoko, pērā i ngā moni hiriwa, ngā pae rānei. He painga me ngā ngoikoretanga o ia kōwhiringa. Hei whakamutunga, ka hipokina e tātou ngā wāhi hei hoko hiriwa, tae atu ki ngā wāhi pai rawa atu hei hoko hiriwa ipurangi me te tangata.
I roto i te poto, ko te hoko i ngā poro hiriwa tūturu tētahi o ngā huarahi pai ki te hoko hiriwa, nā te mea ka taea e koe te pupuri me te haumi ki te konganuku utu nui i roto i te āhua e taea te pa atu. Ina hoko koe i ngā konganuku utu nui tūturu, ka whiwhi koe i te mana whakahaere tika me te rangatiratanga o tō haumitanga hiriwa.
He pono, he maha ngā huarahi mō ngā kaipupuri moni ki te hoko hiriwa, ki te whakatakoto whakaaro rānei i roto i te mākete konganuku utu nui. Kei roto i ēnei ko:
He maha hoki ngā pūtea tahi e haumi ana ki ngā taputapu pūtea kua whakahuatia ake nei. Ina piki ake te uara o ēnei rawa, ka whiwhi moni ā rātou kaipupuri hea.
Hei tāpiritanga, kei reira anō te mana pupuri tūturu o te hiriwa tūturu, arā, mō te nuinga o ngā kaipupuri moni hiriwa koinei te huarahi pai rawa atu ki te hoko i te konganuku utu nui. Engari, ehara i te mea ko te pupuri i ngā paera hiriwa te rautaki haumi pai rawa atu māu.
Heoi, ki te hiahia koe ki te hoko me te hoko atu i te hiriwa i te wā e tata ana ki te utu tū, koinei pea te huarahi tika ki te hoko i te konganuku utu nui.
Ahakoa kua whai hua ngā hea hiriwa, ngā hea keri hiriwa rānei mō te tini, i te mutunga ka whakawhirinaki koe ki te hangarau e mahi tika ana hei whakaoho i te hoko me te hoko atu ina rite koe. I ētahi wā ka whakamahi koe i tētahi kaihokohoko hea, kāore pea rātou e mahi tere pērā i tāu e hiahia ana.
Waihoki, ka taea te hokohoko i ngā konganuku tūturu i waenganui i ngā rōpū e rua, me te kore e nui ngā pepa mahi. Ka taea hoki te whakamahi hei hokohoko i ngā wā ohorere, i ngā wā o te hinganga ohaoha rānei.
Engari he aha te huarahi pai ki te hoko hiriwa? Kāore he whakautu kotahi, engari ki te mōhio koe ki ngā kōwhiringa e wātea ana, ka taea e koe te whiriwhiri pai ake. Akohia ō kōwhiringa hoko katoa i roto i te aratohu hoko hiriwa tūturu katoa mai i ngā tohunga Gainesville Coins®!
Mena kei te hiahia koe ki te hoko hiriwa tūturu, ā, e hiahia ana koe ki ngā whakautu ki ō pātai mō ngā momo taonga hiriwa ka taea e koe te hoko, me pēhea me te wāhi ka taea e koe te hoko, me ētahi atu āhuatanga nui o te hoko paera koura tūturu, ko tēnei aratohu māu.
Kāore pea koe i te mōhio ki te mākete hiriwa, engari e mōhio ana pea koe ki ngā moni hiriwa. Inaa, he maha ngā tāngata e hiahia ana ki te haumi ki te hiriwa e mahara ana pea ki a rātou anō i whakamahi i ngā moni hiriwa i roto i ngā tauhokohoko o ia rā i ngā tekau tau ki muri.
Mai i te wā i tīmata ai te hokohoko o ngā moni hiriwa, kua piki ake te utu o te hiriwa – ki tōna taumata teitei rawa! Koia te take i te tau 1965 i tīmata ai te United States ki te tango i te hiriwa mai i āna moni e hokohokohia ana. I ēnei rā, he huarahi haumi pai te moni hiriwa 90% kotahi te utu i ia rā mō te hunga e hiahia ana ki te hoko i te nui o te hiriwa e hiahiatia ana e rātou.
He maha hoki ngā kaipupuri moni e hoko ana i ngā poro hiriwa hou mai i ngā whare hanga moni tūmataiti me ngā whare hanga moni tūmatanui. Ko te poro koura e pā ana ki te hiriwa i roto i tōna āhua tūturu tino parakore. He rerekē tēnei i ētahi atu huarahi e taea ai e ngā kaipupuri moni te uru atu ki te hiriwa mā roto i ngā mākete pūtea, ngā hea o ngā kai keri hiriwa ("ngā hea hiriwa") me ngā tuhinga whakawhiti kua whakahuatia ake nei.
Haunga ngā moni hiriwa 90% kua whakahuatia ake nei, kei te US Mint anō hoki ngā moni hiriwa parakore o Amerika, arā, 35%, 40% me te 99.9%. Kāore e warewaretia ngā moni hiriwa o te ao katoa.
Kei roto i tēnei ko te Royal Canadian Mint me āna moni Canadian Maple Leaf, te British Royal Mint, te Perth Mint i Ahitereiria, me te maha atu o ngā whare hanga moni nui. E wātea ana i roto i ngā rahi, ngā āhua, ngā momo moni me ngā tae, ā, he maha ngā kōwhiringa hoko hiriwa ātaahua mā ēnei moni o te ao ki ngā kaikohi me ngā kaipupuri moni.
He aha ngā ngoikoretanga matua o te hoko moni hiriwa? He iti tonu te utu o te moni hiriwa engari he nui tonu. Nō reira, he nui ake te utu i ngā porowhita hiriwa, i ngā pae rānei he rite te pai, te taumaha, me te pai. Ko ngā moni hiriwa he rite te pai, he rite te taumaha, me te pai, ka nui ake te uara numismatic e tāpirihia ana ki te utu.
Ka tukuna e ētahi kaihokohoko he utu whakaheke, he tuku kore utu rānei ina hoko nui ngā kaihoko i ngā moni.
Kāore ngā tāra hiriwa i rite ki ngā moni, engari he pereti hiriwa kāore e whiwhi moni. He reta noa iho ngā porowhita, he tuhi toi rānei.
Ahakoa ehara ngā rauna i te moni fiat, he rongonui tonu i waenga i ngā kaipupuri moni hiriwa mō ētahi take.
Mō te hunga e hiahia ana ki tētahi momo porowhita, ā, e hiahia ana kia tata te hiriwa ki tōna utu mākete, kei te wātea ngā pae hiriwa. Ko te tikanga ka hokohokohia ngā moni koura i te utu nui o ētahi ōrau i runga ake i te utu tū o te hiriwa, engari ka taea e koe te hoko pae hiriwa mō ngā pene i runga ake i te utu tū.
Ko ngā pae hiriwa e hokona ana i te rohe, kāore i te tino toi, engari koinei tētahi o ngā huarahi iti rawa te utu hei hoko hiriwa. Ko te hunga e pai ana ki ngā mahi toi ka kitea e rātou he pae he hoahoa papai, ahakoa he nui ake te utu.
Āe! He maha ngā momo hiriwa e tukuna ana e te US Mint, tae atu ki ngā moni hiriwa numismatic me ngā moni bullion.
Mena kei te hiahia koe ki te hoko tika i ngā moni Silver American Eagle o te tau 2021 mai i te Mint, me whakapā atu koe ki tētahi Kaihoko Whakamana. Ko AP anake te kaiwhiwhi tika o ngā pae Silver Eagle o Amerika mai i te US Mint. Nā te mea kāore te US Mint e hoko tika i ngā pae koura Silver Eagle o Amerika ki te marea.
I te nuinga o te wā, he nui ake ngā pae hiriwa a te kaihokohoko moni pono i te miniti.
Kāore ngā peeke e hoko ana i ngā pae hiriwa. Kāore e taea e koe te haere ki te peeke me te tumanako ka whiwhi moni hiriwa i te wā e tonoa ana, pērā i ngā tau 1960, i te wā i whakamahia ai ngā tiwhikete moni hiriwa e tohatohahia ana mō tēnei kaupapa.
Heoi anō, ka kitea tonutia ētahi moni tāpiri, ētahi poro hiriwa, ētahi hauwhā, ētahi hawhe tāra rānei i roto i ngā ipu. He mea onge ēnei kitenga, ehara i te mea he ture noa iho. Engari kua kitea e ngā kaiwhai tonu te maha o ēnei taonga waimarie mā te rapu moni i roto i ngā peeke o te rohe.
He māmā noa te mahi hoko hiriwa mai i tētahi toa tūturu. I ēnei wā, he pai ake te hoko hiriwa mai i tētahi kaihokohoko koura rongonui, i tētahi kaihokohoko moni rānei.
He maha ngā kōwhiringa ina hoko hiriwa ana koe i runga ipurangi. He mea noa ngā rārangi whakamātautau, engari he maha ngā wā ka uru atu ki ēnei whakaritenga kore mana ngā hui papaku me te tūponotanga o te tinihanga.
Ka taea e koe te whiriwhiri i tētahi pae hokohoko ipurangi pērā i a eBay. Heoi, ko te hoko whakarewa i runga i a eBay he tikanga nui ake te utu. Ko te take nui o tēnei ko te utu tāpiri a eBay ki ngā kaihoko mō te whakarārangi i ngā taonga. Kāore tētahi o ēnei kōwhiringa e tuku huarahi ngāwari ki te whakahoki, ki te manatoko rānei i te pono o tō hiriwa.
Ko te huarahi haumaru me te huarahi māmā ki te hoko hiriwa ipurangi ko ngā paetukutuku a ngā kaihokohoko konganuku utu nui ngaio. Ko Gainesville Coins te wāhi pai rawa atu ki te hoko hiriwa ipurangi nā te mea he pono, he ingoa pai, he ratonga kiritaki, he utu iti me te whānuitanga o ngā hua. He tukanga haumaru, he tukanga ngāwari hoki te hoko konganuku utu nui ipurangi me Gainesville Coins.
Kei te rite tonu mātou ki te whakautu i ō pātai me te whakamārama i te kaupapa here a te kamupene. Whāia ngā hononga i raro nei mō ētahi atu kōrero mō ngā Moni Gainesville:
Ko te whakautu kei runga i ō whāinga mō te haumi ki te hiriwa. Ki te hiahia koe ki te hoko hiriwa i te utu iti rawa mō ia karamu, ko te mea pai ko te hoko porowhita, porowhita rānei. Ko ngā moni hiriwa te kōwhiringa pai rawa atu mō te hunga e hiahia ana ki te hoko moni fiat.
Ko ngā moni hiriwa e whiua ana e tohu ana i tētahi momo whakaaetanga. He moni noa ēnei kua tawhito rawa mō te nuinga o ngā kaikohi. Nō reira, he moni hiriwa anake tō rātou uara (uara tūturu). Ko tētahi tēnei o ngā momo moni hiriwa iti rawa te utu ka taea e koe te hoko. Heoi anō, ka whiwhi tonu koe i ngā painga o te hoko i ngā pae moni fiat i te utu whaitake me te ngāwari o te whakamahi.
Ko ngā porowhita me ngā pae te nuinga o ngā utu iti rawa mō te hiriwa. Nō reira, koinei tētahi o ngā kōwhiringa pai rawa atu mō te uara o te moni.
He maha ngā painga o tēnei momo hiriwa. Ka taea te whakamahi i ngā moni hei moni tūturu i ngā wā ohorere, hei taputapu hokohoko pai hoki. Waihoki, mēnā ka heke te utu o te hiriwa ki raro iho i te uara o te moni, ka herea ngā mate ki te uara o te moni. Ina hoko koe i ngā moni hiriwa, kāore koe e ngaro katoa te moni.
He tokomaha kei te tumanako ki te kimi i tētahi puna ngaro, he huarahi ki te hoko koura i raro i te utu tū. Ko te mea pono, ki te kore he kaihoko moni hohe, he kaihokohoko konganuku utu nui rānei āu, kāore e taea e koe te tumanako ka kitea he hiriwa i raro i te utu tū i roto i te taiao hokohoko.
He hunga hokohoko rarahi ngā kaihoko anō. Ka taea e rātou te hoko hiriwa i te utu iti iho i te utu hokohoko tūturu. Kāore i te tino uaua ngā take: ina whakahaere koe i tētahi pakihi, me utu e koe ngā utu tāpiri, ā, me whiwhi hua iti. Ki te whai koe i ngā utu hiriwa, ka kite koe ka huri i ia meneti. Nō reira, he tino iti te moni whiwhi i te taumata rarahi me te hokohoko iti.
Ehara tēnei i te kī kāore e taea e ngā kaihoko te hoko hiriwa i runga ipurangi, i tō rātou toa moni ā-rohe rānei mō ngā utu tino teitei. Hei tauira, ko te hoko i ngā moni kua tawhito rawa, kua pakaru rānei.
He maha ngā kaihokohoko tūturu me ngā kaihokohoko ipurangi e hoko ana i ngā moni onge, e hoko ana hoki i te hiriwa. Tērā pea ka hiahia rātou ki te whakakore i ngā moni hiriwa kua pakaru i roto i ngā toa nui hei hanga wāhi mō ā rātou moni uara waenga ki te uara teitei.
Heoi, ki te hiahia nui koe ki te whiwhi i te nui o te hiriwa mō tō moni, kāore pea koe e hiahia ki te hoko i ngā moni hiriwa hapa. Ka ngaro pea te nui o te hiriwa nā te nui o te kakahu, te pakaru rānei.
Hei whakamutunga, e pā ana te whakataukī tawhito mō te hoko hiriwa: "Ko te mea ka riro i a koe ko tāu i utu ai!" Ko te mea tino ka riro i a koe.
He maha ngā kaihokohoko hiriwa me ngā kaihokohoko e hoko ana i te hiriwa i runga ipurangi, i roto i ngā maheni me te pouaka whakaata e kī ana i ēnei kōrero. E whakaatu ana rātou he hononga whakamuri noa iho i waenganui i te utu o te hiriwa me te mākete hea. I ngā tau tata nei, ko tā rātou pepeha pānuitanga he rite ki te "hoko hiriwa inaianei i mua i te hekenga o te mākete hea, me te pikinga o te utu o te hiriwa."
Ina hoki, ehara i te mea ngāwari te whanaungatanga i waenga i te hiriwa me te mākete hea. Pērā i te koura, te konukawata me ētahi atu konganuku utu nui, he ārai pai te hiriwa i te pikinga utu, i ētahi atu āhuatanga kino rānei e puta ana i te wā o te hekenga o te ōhanga, ā, i te nuinga o te wā ka heke te nui o ngā moni hea i roto i te mākete hea.
Heoi, ahakoa te hinganga o te hiriwa, kāore te hiriwa e piki aunoa ina hinga te mākete hea. Ka taea tēnei te whakaatu mā te titiro ki te nekehanga o ngā utu hiriwa i te marama o Poutū-te-rangi 2020 i te tīmatanga o te mate urutā COVID-19 ki te whakangaro i te Hononga o Amerika. I tino hinga te mākete hea, ā, tata ki te 33% o tōna rahinga i roto i ngā rā torutoru.
I pēhea te hiriwa? Kua tino heke hoki tōna uara, mai i te $18.50 te aune i te mutunga o Pēpuere 2020 ki raro iho i te $12 i waenganui o Poutū-te-rangi 2020. He uaua ngā take mō tēnei, ko tētahi wāhanga nā te hekenga o te tono ahumahi mō te hiriwa i puta mai i te mate urutā.
Nā, me aha koe mēnā kei a koe te hiriwa, ā, ka heke te utu o te hiriwa? Tuatahi, kaua e mataku. Ka tino hoki anō ngā utu i tētahi wā, pērā i ngā marama i muri i te hekenga nui o ngā utu hiriwa i waenganui o Poutū-te-rangi 2020. Ahakoa he nui te tono mō ngā rawa haumaru, kei reira tonu te mōrearea ka arahi ki ngā hoko poto – arā, ngā mate mō te wā roa.
Engari me whakaaro anō hoki koe ki te "hoko iti" hei "hoko nui". Ina iti ngā utu, he wā pai tēnei ki te hoko. Ko te tini o ngā kaipupuri hea i mahi i tēnei i te wā i hinga ai a Wall Street i te mutunga o Poutū-te-rangi me te tīmatanga o Paenga-whāwhā 2020, i tino pai te hokinga mai o ngā hea i te marama o Mei 2020, ā, i muri mai i te hokinga mai o te mākete.
Ko te tikanga o tēnei, ki te hoko koe i te hiriwa ina iti iho ngā utu, ka whiwhi koe i te hua whakamiharo ōrite? Kāore ā mātou pōro karaihe, engari he pai ngā hua o tēnei rautaki hoko mō te hunga manawanui me te hunga e roa ana te takaro.
I roto i te ariā, tata ki te katoa o ēnei tohutohu ka taea te whakamahi mō te hoko i ngā paera koura tūturu, i tētahi atu konganuku utu nui rānei. Heoi, he rerekē ki te koura, he nui te whakamahinga o te hiriwa i roto i ngā ahumahi.
Wā tuku: Maehe-03-2023
