Kalozera woyambira bwino uyu adzakuyendetsani pamasitepe omwe mungagule siliva.
Tidzawona njira zosiyanasiyana zogulira siliva, monga ETFs ndi zam'tsogolo, komanso mitundu yosiyanasiyana yazitsulo zasiliva zomwe mungagule, monga ndalama zasiliva kapena mipiringidzo.Njira iliyonse ili ndi ubwino wake ndi zovuta zake.Pomaliza, timaphimba komwe tingagule siliva, kuphatikiza malo abwino kwambiri ogulira siliva pa intaneti komanso pamasom'pamaso.
Mwachidule, kugula mipiringidzo yasiliva yakuthupi ndi imodzi mwa njira zabwino zogulira siliva chifukwa zimakulolani kukhala ndi ndalama muzitsulo zamtengo wapatali mu mawonekedwe ogwirika.Mukagula zitsulo zamtengo wapatali, mumapeza ulamuliro wachindunji ndi umwini wa ndalama zanu zasiliva.
Inde, pali njira zambiri zogulira siliva kapena kulingalira pamsika wazitsulo zamtengo wapatali.Izi zingaphatikizepo:
Ndalama zambiri zomwe zimagwirizanitsa zimayikanso ndalama pazida zomwe tatchulazi.Mtengo wazinthuzi ukakwera, eni ake amapeza ndalama.
Kuphatikiza apo, pali umwini weniweni wa siliva wakuthupi, womwe kwa osunga ndalama ambiri asiliva ndiyo njira yabwino yogulira chitsulo chamtengo wapatali.Koma izi sizikutanthauza kuti kukhala ndi mipiringidzo ya siliva ndiye njira yabwino kwambiri yopangira ndalama kwa inu.
Komabe, ngati mukufuna kugula ndi kugulitsa siliva nthawi ndi pamene ili pafupi ndi mtengo wamalo, iyi ikhoza kukhala njira yoyenera yogulira chitsulo chamtengo wapatali.
Ngakhale kuti ndalama zasiliva kapena migodi ya siliva zakhala zikuyenda bwino kwa ambiri, kumapeto kwa tsiku mumadalira teknoloji yomwe ikugwira ntchito kuti iyambe kugula ndi kugulitsa pamene mwakonzeka.Nthawi zina mukamachita nawo masheya, sangachite mwachangu momwe mungafunire.
Komanso, zitsulo zakuthupi zimatha kugulitsidwa pomwepo pakati pamagulu awiri popanda zolemba zambiri.Itha kugwiritsidwanso ntchito kusinthanitsa panthawi yadzidzidzi kapena kugwa kwachuma.
Koma njira yabwino yogulira siliva ndi iti?Palibe yankho limodzi, koma mutadziwa zomwe mungachite, mutha kusankha bwino.Phunzirani za zosankha zanu zonse zogulira mu kalozera wathunthu wogulira siliva kuchokera kwa akatswiri a Gainesville Coins®!
Ngati mukufuna kugula siliva wakuthupi ndipo mukufuna mayankho a mafunso anu okhudza mitundu ya zinthu zasiliva zomwe mungagule, momwe mungagulire komanso komwe mungagule, ndi zina zofunika zogulira mipiringidzo ya golide, ndiye bukhuli ndi lanu.
Mwina simukudziwa bwino msika wasiliva, koma mwina mumadziwa bwino ndalama zasiliva.M'malo mwake, anthu ambiri omwe akufuna kugulitsa siliva mwina amakumbukira okha kugwiritsa ntchito ndalama zasiliva pazochitika zatsiku ndi tsiku zaka zambiri zapitazo.
Kuyambira pamene ndalama zasiliva zinayamba kugulitsidwa, mtengo wasiliva wakwera - mpaka malire!N’chifukwa chake m’chaka cha 1965 dziko la United States linayamba kuchotsa ndalama zasiliva zimene zinkagwiritsidwa ntchito pa ndalama zake.Masiku ano, ndalama zasiliva zokwana 90% kamodzi patsiku ndi galimoto yabwino kwambiri kwa iwo omwe akufuna kugula siliva wochuluka kapena wochuluka momwe amafunira.
Osunga ndalama ambiri amagulanso mipiringidzo yasiliva yamakono kuchokera ku timbewu tating'ono komanso pagulu.Golide amatanthauza siliva mu mawonekedwe ake oyera kwambiri.Izi ndizosiyana ndi njira zina zomwe osunga ndalama amapezera siliva kudzera m'misika yazachuma, magawo a migodi ya siliva ("magawo asiliva") ndi zolemba zomwe tatchulazi.
Kuphatikiza pa ndalama zasiliva 90% zomwe zangotchulidwa kumene, Mint yaku US ilinso ndi 35%, 40% ndi 99.9% ndalama zasiliva zaku US.Osatchulanso ndalama zasiliva zochokera padziko lonse lapansi.
Izi zikuphatikizapo Royal Canadian Mint ndi ndalama zake za Canadian Maple Leaf, British Royal Mint, Perth Mint ku Australia, ndi zina zambiri zazikulu.Zopezeka mumitundu yosiyanasiyana, mawonekedwe, zipembedzo ndi mitundu, ndalama zapadziko lonse lapansi izi zimapereka otolera ndi osunga ndalama zosiyanasiyana zogula zogulira siliva.
Kodi kuipa kwakukulu kogula ndalama zasiliva ndi chiyani?Ndalama yasiliva pafupifupi nthawi zonse imakhala ndi mtengo wocheperako koma wofunikira (mtengo wosonkhanitsidwa).Mwakutero, zimawononga ndalama zambiri kuposa zozungulira zasiliva kapena mipiringidzo yofananira, kulemera, ndi kuwongolera.Ndalama zasiliva zokhala ndi mtengo wophatikizika zimakhala ndi mtengo wapamwamba kwambiri wowonjezedwa pamtengo.
Amalonda ena amapereka kuchotsera kapena kutumiza kwaulere makasitomala akagula ndalama zambiri.
Mosiyana ndi ndalama zasiliva, madola a siliva ndi mbale zasiliva zopanda ndalama.Mabwalowa mwina ndi zilembo zosavuta kapena zojambula zambiri zaluso.
Ngakhale zozungulira sizili ndalama za fiat, zimatchukabe ndi ndalama zasiliva pazifukwa zingapo.
Kwa iwo omwe akufuna njira yozungulira ndipo akufuna kuti siliva akhale pafupi ndi mtengo wake wamsika momwe angathere, mipiringidzo ya siliva ilipo.Ndalama za golidi nthawi zambiri zimagulitsa pamtengo wocheperapo kuposa mtengo wasiliva, koma mutha kugula zitsulo zasiliva pamakobiri pamwamba pa mtengo wake.
Mipiringidzo yasiliva yomwe imagulitsidwa kwanuko nthawi zambiri sikhala yaluso kwambiri, koma ndi gramu, iyi ndi imodzi mwa njira zotsika mtengo zogulira siliva.Okonda zojambulajambula adzapeza mipiringidzo yokhala ndi mapangidwe apamwamba, ngakhale kuti nthawi zambiri amawononga ndalama zochulukirapo.
Inde!Mint yaku US imapereka siliva mumitundu yambiri, kuphatikiza ndalama zasiliva za numismatic ndi makobidi a bullion.
Ngati mungafune kugula ndalama za 2021 Silver American Eagle mwachindunji ku Mint, muyenera kulumikizana ndi Wogula Wovomerezeka.AP ndiye yekhayo amene adalandira mwachindunji mipiringidzo ya US Silver Eagle kuchokera ku US Mint.Izi zili choncho chifukwa US Mint sigulitsa mipiringidzo yagolide ya US Silver Eagles mwachindunji kwa anthu.
Nthawi zambiri, wogulitsa ndalama wodalirika amakhala ndi mipiringidzo yasiliva yochulukirapo kuposa timbewu.
Mabanki nthawi zambiri sagulitsa mipiringidzo yasiliva.Simungathenso kupita ku banki ndikuyembekezera kulandira ndalama zasiliva pofunidwa, monga m'ma 1960, pamene ziphaso za ndalama zasiliva zomwe zimagwiritsidwa ntchito zidagwiritsidwa ntchito makamaka pazifukwa izi.
Komabe, kusintha kapena mipukutu ya siliva dimes, quarters, kapena theka la madola amatha kupezekabe nthawi zina m'mitsuko.Zopeza zotere ndizosowa kwenikweni osati lamulo.Koma ofufuza mosalekeza apeza zinthu zambiri zamwayizi pofufuza ndalama m’mabanki akumaloko.
Kugula siliva ku sitolo yakuthupi ndi njira yosavuta.Pazifukwa izi, ndibwino kuti nthawi zonse muzigula siliva kuchokera kwa broker wodziwika bwino kapena wogulitsa ndalama.
Mukamagula siliva pa intaneti, muli ndi zosankha zingapo.Mindandanda yamayesero ndi yofala, koma makonzedwe amwambowa nthawi zambiri amakhala ndi misonkhano yachiphamaso komanso chiopsezo chobera.
Mutha kusankha malo ogulitsa pa intaneti ngati eBay.Komabe, kugula zitsulo pa eBay pafupifupi nthawi zonse kumatanthauza mtengo wapamwamba.Izi makamaka chifukwa chakuti eBay amalipira ogulitsa chindapusa chowonjezera pamindandanda yazinthu.Palibe mwa zosankhazi zomwe zimapereka njira yosavuta yobwezera kapena kutsimikizira kuti siliva wanu ndi wowona.
Njira yotetezeka komanso yosavuta yogulira siliva pa intaneti ndi kudzera pamasamba a akatswiri ogulitsa zitsulo zamtengo wapatali.Ndalama za Gainesville ndiye malo abwino kwambiri ogulira siliva pa intaneti chifukwa cha kudalirika kwathu, mbiri yolimba, ntchito zamakasitomala, mitengo yotsika komanso kusankha kwakukulu kwazinthu.Kugula zitsulo zamtengo wapatali pa intaneti ndi Gainesville Coins ndi njira yotetezeka komanso yosavuta.
Ndife okonzeka nthawi zonse kuyankha mafunso anu ndikufotokozera mfundo za kampani yathu.Tsatirani maulalo omwe ali pansipa kuti mumve zambiri pa Ndalama za Gainesville:
Yankho limadalira zolinga zanu zoikapo ndalama mu siliva.Ngati mukufuna kugula siliva pamtengo wotsika kwambiri pa gramu iliyonse, kubetcherana kwanu kwabwino ndikugula zozungulira kapena mipiringidzo.Ndalama zasiliva ndi njira yabwino kwambiri kwa iwo omwe akufuna kugula ndalama za fiat.
Ndalama zasiliva zoponyedwa zimayimira mtundu wakunyengerera.Izi ndi makobidi wamba omwe amavala kwambiri kukoma kwa osonkhanitsa ambiri.Chifukwa chake, amangokhala ndi mtengo wandalama wasiliva (mtengo wamkati).Ichi ndi chimodzi mwa mitundu yotsika mtengo ya ndalama zasiliva zomwe mungagule.Komabe, mumapezabe zabwino zogulira ma fiat currency bar pamtengo wokwanira komanso kusinthasintha kwamadzi.
Mabwalo ndi mipiringidzo nthawi zambiri amapereka mitengo yotsika kwambiri yasiliva.Choncho, amaimira imodzi mwa njira zabwino kwambiri zamtengo wapatali.
Mtundu uwu wa siliva uli ndi ubwino wambiri.Ndalama zitha kugwiritsidwa ntchito ngati ndalama zenizeni pakagwa mwadzidzidzi komanso ngati chida chachikulu chosinthira zinthu.Komanso, muzochitika zosayembekezereka koma zotheka kuti mtengo wa siliva utsike pansi pa mtengo wamtengo wapatali wa ndalama, zotayika zimangokhala pamtengo wamtengo wapatali.Mukagula ndalama zasiliva, simutaya ndalama zonse.
Ambiri akuyembekeza kupeza gwero losadziwika, njira yogulira bullion pansi pa mtengo wamalo.Zoona zake n'zakuti pokhapokha mutakhala ndi wogulitsa ndalama kapena zitsulo zamtengo wapatali, simungayembekeze kupeza siliva pansi pa mtengo wamtengo wapatali m'malo ogulitsa.
Ogulitsanso ndi ogula okonda kugulitsa.Mwalamulo atha kupeza siliva pamtengo wotsika pang'ono kuposa malo.Zifukwa sizili zovuta kwambiri: mukamayendetsa bizinesi, muyenera kulipira ndalama zambiri ndikupanga phindu laling'ono.Ngati mumatsata mitengo yasiliva, mudzawona kuti imasintha mphindi iliyonse.Chifukwa chake, malire pamlingo wamba ndi wowonda kwambiri.
Izi sizikutanthauza kuti ogula sangagule siliva pa intaneti kapena m'sitolo yawo yandalama pamitengo yokwera mopusa.Chitsanzo chingakhale kugula makobidi owonongeka kwambiri kapena owonongeka.
Ogulitsa ambiri akuthupi ndi pa intaneti omwe amagulitsa makobiri osowa amagulitsanso siliva.Angafune kuchotsa masheya akuluakulu a ndalama zasiliva zowonongeka kuti apange malo awo apakati kapena apamwamba kwambiri.
Komabe, ngati mukufuna kupeza siliva wochuluka momwe mungathere, mwina simukufuna kugula ndalama zasiliva zopanda pake.Amatha kutaya ndalama zambiri zasiliva chifukwa cha kuvala kwambiri kapena kuwonongeka.
Pomaliza, mwambi wakale wamalonda umagwira ntchito pa kugula siliva: "Mumapeza zomwe mumalipira!"Mumapezadi.
Ogulitsa mabiliyoni ambiri ndi amalonda omwe amagulitsa siliva pa intaneti, m'magazini ndi pawailesi yakanema amalankhula izi.Amapereka chithunzithunzi chakuti pali mgwirizano wosavuta pakati pa mtengo wa siliva ndi msika wogulitsa.M’zaka zaposachedwapa, mawu awo otsatsira malonda nthaŵi zambiri amakhala ngati “gulani siliva tsopano msika usanatsike ndi kukwera mtengo kwa siliva.”
Ndipotu, mphamvu pakati pa siliva ndi msika wamalonda sizophweka.Monga golide, platinamu ndi zitsulo zina zamtengo wapatali, siliva ndi mpanda wabwino kwambiri wotsutsana ndi kukwera kwa mitengo kapena zochitika zina zoipa zomwe zimachitika panthawi yachuma ndipo nthawi zambiri zimabweretsa kutsika kwa msika.
Komabe, ngakhale zitachitika ngozi, siliva samangotuluka pamene msika wamasheya ukugwa.Izi zitha kuwonetsedwa poyang'ana mayendedwe amitengo yasiliva mu Marichi 2020 pomwe mliri wa COVID-19 udayamba kuwononga United States.Msika wamsika unatsika, kutaya pafupifupi 33% ya voliyumu yake m'masiku ochepa.
Chinachitika ndi chiyani kwa silver?Mtengo wake watsikanso, kuchoka pa $18.50 pagawo limodzi kumapeto kwa February 2020 mpaka $12 mkati mwa Marichi 2020. Zifukwa za izi ndizovuta, mwina chifukwa cha kuchepa kwa kufunikira kwa siliva kwa mafakitale komwe kumachitika chifukwa cha mliriwu.
Ndiye mutani ngati muli ndi siliva ndipo mtengo wa siliva ukutsika?Choyamba, musachite mantha.Mitengo ikutsimikizika kuti idzabwereranso nthawi ina, monga momwe adachitira m'miyezi yotsatila kutsika kwakukulu kwa mitengo yasiliva pakati pa Marichi 2020. Ngakhale pamene katundu wotetezedwa akufunika kwambiri, pali chiopsezo chomwe chingayambitse zazifupi - kutayika kwanthawi yayitali.
Koma muyenera kuganiziranso za "kugula pansi" kuti "kugulitsa kwambiri".Mitengo ikatsika, iyi nthawi zambiri imakhala nthawi yabwino yogula.Ogulitsa masheya osawerengeka omwe adachita izi pomwe Wall Street idatsika kumapeto kwa Marichi komanso koyambirira kwa Epulo 2020 adasangalala ndi kubweza kwamasheya mu Meyi 2020 ndipo pambuyo pake msika udakulanso.
Kodi izi zikutanthauza kuti ngati mutagula siliva pamene mitengo yatsika, mudzapeza phindu lodabwitsa lomwelo?Tilibe mpira wa kristalo, koma njira yogulira iyi nthawi zambiri imabweretsa zotsatira zabwino kwa omwe ali oleza mtima komanso masewera aatali.
Mwachidziwitso, pafupifupi malangizo onsewa angagwiritsidwe ntchito pogula mipiringidzo ya golide kapena chitsulo china chilichonse chamtengo wapatali.Komabe, mosiyana ndi golide, siliva amagwiritsidwa ntchito mochuluka m’makampani.
Nthawi yotumiza: Mar-03-2023