Ubuyobozi bwuzuye bwintangiriro buzakunyura munzira zo kugura ifeza.
Tuzareba uburyo butandukanye bwo kugura ifeza, nka ETFs hamwe nigihe kizaza, kimwe nubwoko butandukanye bwibiti bya feza ushobora kugura, nkibiceri bya feza cyangwa utubari.Buri cyiciro gifite ibyiza byacyo nibibi.Hanyuma, dutwikiriye aho kugura ifeza, harimo ahantu heza ho kugura ifeza kumurongo no kumuntu.
Muri make, kugura ibibari bya feza bifatika nimwe muburyo bwiza bwo kugura ifeza kuko igufasha gutunga no gushora mubyuma byagaciro muburyo bugaragara.Iyo uguze ibyuma bifatika byumubiri, ubona kugenzura no gutunga igishoro cya feza.
Birumvikana ko hari inzira nyinshi kubashoramari kugura ifeza cyangwa gutekerezaho ku isoko ryagaciro.Ibi bishobora kubamo:
Amafaranga menshi ya mutuelle nayo ashora mubikoresho byimari bimaze kuvugwa.Iyo agaciro k'umutungo kiyongereye, abanyamigabane babo bakora amafaranga.
Mubyongeyeho, hariho nyirubwite ifeza ifatika, kubashoramari benshi ba feza nuburyo bwiza bwo kugura ibyuma byagaciro.Ariko ibyo ntibisobanura ko gutunga ifeza byanze bikunze ingamba nziza zishoramari kuri wewe.
Ariko, niba ushaka kugura no kugurisha ifeza mugihe n'aho yegereye igiciro, ubu bushobora kuba inzira nziza yo kugura ibyuma byagaciro.
Mugihe ububiko bwa feza cyangwa ububiko bwa feza byagaragaye ko bwatsinze kuri benshi, iyo umunsi urangiye ushingiye ku ikoranabuhanga rikora neza kugirango ritume kugura no kugurisha mugihe witeguye.Rimwe na rimwe, iyo winjiye mubunzi, ntibashobora gukora vuba nkuko ubishaka.
Na none, ibyuma bifatika birashobora kugurishwa ahantu hagati yimpande zombi nta mpapuro nyinshi.Irashobora no gukoreshwa muguhindura mugihe cyihutirwa cyangwa ikiruhuko.
Ariko ni ubuhe buryo bwiza bwo kugura ifeza?Nta gisubizo kimwe, ariko iyo uzi amahitamo aboneka, urashobora guhitamo neza.Wige uburyo bwawe bwo kugura muburyo bwuzuye bwo kugura ifeza yumubiri kubuhanga bwa Gainesville Coins®!
Niba ushishikajwe no kugura ifeza yumubiri ukaba ushaka ibisubizo kubibazo byawe bijyanye nubwoko bwibintu bya feza ushobora kugura, uburyo n’aho ushobora kubigura, nibindi bintu byingenzi byo kugura ibibari bya zahabu bifatika, noneho iki gitabo ni icyawe.
Ntushobora kuba umenyereye isoko rya feza, ariko birashoboka ko umenyereye ibiceri bya feza.Mubyukuri, abantu benshi bashaka gushora muri silver birashoboka ko bibuka ko bakoresheje ibiceri bya feza mubikorwa bya buri munsi mumyaka mirongo ishize.
Kuva ibiceri bya feza byatangira gukwirakwira, igiciro cya feza cyazamutse - kugera ku ntera!Niyo mpamvu mu 1965 Amerika yatangiye gukuramo ifeza mu biceri byayo.Uyu munsi, 90% igiceri cya feza rimwe kumunsi ni imodoka nini yishoramari kubashaka kugura ifeza nyinshi cyangwa nyinshi uko bashaka.
Abashoramari benshi kandi bagura ibibari bya feza bigezweho bivuye mu bigo byigenga na rusange.Akabari ka zahabu bivuga ifeza muburyo bwayo bwiza.Ibi bitandukanye nubundi buryo abashoramari bagera kuri feza binyuze mumasoko yimari, imigabane y'abacukuzi ba feza (“imigabane ya feza”) hamwe ninoti zavuzwe haruguru.
Usibye ibiceri bya feza 90% bimaze kuvugwa, Mint yo muri Amerika ifite 35%, 40% na 99.9% ibiceri bya feza byo muri Amerika.Tutibagiwe n'ibiceri bya feza biva kwisi yose.
Ibi birimo ibiceri bya Royal Canadian Mint hamwe n’ibiceri byayo byo muri Kanada Maple Leaf ibiceri, Ubwongereza Royal Mint, Perth Mint muri Ositaraliya, n’ibindi biceri byinshi.Biboneka mubunini butandukanye, imiterere, amadini n'amabara, ibi biceri byisi bitanga abakusanya nabashoramari uburyo butandukanye bwo kugura ifeza.
Ni izihe ngaruka nyamukuru zo kugura ibiceri bya feza?Igiceri cya feza hafi ya cyose gifite progaramu ntoya ariko ikomeye (numusmatire agaciro).Nkibyo, muri rusange bizatwara ibirenze ifeza izengurutse cyangwa utubari twiza, uburemere, nubwiza.Ibiceri bya feza bifite agaciro kegeranijwe bizagira agaciro keza cyane kongerewe kubiciro.
Abacuruzi bamwe batanga kugabanuka cyangwa kohereza kubuntu mugihe abakiriya baguze ibiceri byinshi.
Bitandukanye n'ibiceri, amadolari ya feza ni amasahani ya feza.Uruziga ni inyuguti zoroshye cyangwa ibishushanyo byinshi.
Nubwo kuzenguruka atari ifaranga rya fiat, baracyakunzwe nabashoramari ba feza kubwimpamvu.
Kubashaka uruziga ruzengurutse kandi bashaka ifeza kuba hafi yigiciro cyayo gishoboka, utubari twa feza turahari.Ibiceri bya zahabu mubisanzwe bigurishwa ku giciro gito ku ijana hejuru yikiguzi cya feza, ariko urashobora kugura ibibari bya feza kumafaranga arenze igiciro.
Ubusanzwe ibiceri bya feza bigurishwa mubusanzwe ntabwo ari ubuhanzi cyane, ariko na garama, ubu ni bumwe muburyo buhendutse bwo kugura ifeza.Abakunda ibihangano bazabona utubari dufite igishushanyo cyiza, nubwo ubusanzwe bagura make.
Yego!Reta zunzubumwe za Amerika zitanga ifeza muburyo bwinshi, harimwo ibiceri bya silver numismatic.
Niba wifuza kugura ibiceri 2021 bya silver American Eagle ibiceri biturutse kuri Mint, ugomba kuvugana numuguzi wemewe.AP niyo yonyine yakira utubari two muri Amerika Silver Eagle kuva muri Reta zunzubumwe za Amerika.Ni ukubera ko Reta zunzubumwe za Amerika zitagurisha zahabu ya US Eagles ibibari bya zahabu kubaturage.
Mubihe byinshi, umucuruzi wizewe wibiceri azaba afite ibibari byinshi bya feza bigurishwa kuruta igiceri.
Amabanki ntabwo agurisha ibibari bya feza.Ntushobora kujya muri banki kandi utegereje kwakira ibiceri bya feza kubisabwa, nko muri za 1960, mugihe ibyemezo byibiceri bya feza byakoreshwaga byakoreshwaga kubwiyi ntego.
Ariko, hindura cyangwa umuzingo wa feza, icya kane, cyangwa igice cyamadorari urashobora kuboneka rimwe na rimwe mubibindi.Ibisubizo nkibi nibidasanzwe aho kuba itegeko.Ariko abashaka gushikama basanze byinshi muribi bintu byamahirwe mugucisha ibiceri muri banki zaho.
Kugura ifeza mububiko bwumubiri ninzira yoroshye.Muri ibi bihe, nibyiza guhora ugura ifeza kumuntu uzwi cyane wa broion cyangwa umucuruzi.
Mugihe ugura ifeza kumurongo, ufite amahitamo menshi.Urutonde rwibigeragezo rusanzwe, ariko izi gahunda zidasanzwe zirimo inama zidasanzwe kandi ibyago byo gushukwa.
Urashobora guhitamo urubuga rwa cyamunara kumurongo nka eBay.Ariko, kugura ibyuma kuri eBay hafi buri gihe bisobanura igiciro kiri hejuru.Ibi biterwa ahanini nuko eBay yishyuza abagurisha amafaranga yinyongera yo gutondekanya ibintu.Nta na hamwe muri ubwo buryo butanga inzira yoroshye yo kugaruka cyangwa kugenzura ukuri kwa feza yawe.
Inzira yizewe kandi yoroshye yo kugura ifeza kumurongo ni kurubuga rwabacuruzi babigize umwuga babigize umwuga.Ibiceri bya Gainesville ni ahantu heza ho kugura ifeza kumurongo kubera kwizerwa kwacu, kumenyekana gukomeye, serivisi zabakiriya, ibiciro biri hasi no guhitamo ibicuruzwa byinshi.Kugura ibyuma byagaciro kumurongo hamwe nigiceri cya Gainesville ninzira yizewe kandi yoroshye.
Twama twiteguye gusubiza ibibazo byawe no gusobanura politiki yikigo.Kurikiza amahuza hepfo kugirango ubone ibisobanuro birambuye ku biceri bya Gainesville:
Igisubizo giterwa nintego zawe zo gushora muri silver.Niba ushaka kugura ifeza ku giciro cyo hasi kuri garama, ibyiza byawe nukugura uruziga cyangwa utubari.Ibiceri bya feza nuburyo bwiza kubashaka kugura ibiceri bya fiat.
Ibiceri bya feza byajugunywe byerekana ubwoko bwubwumvikane.Ibi nibiceri bisanzwe byambarwa cyane kuburyohe bwabaterankunga benshi.Kubwibyo, bafite agaciro gusa mugiceri cya feza (agaciro kimbere).Ubu ni bumwe mu bwoko buhendutse bwibiceri bya feza ushobora kugura.Nyamara, uracyabona inyungu zo kugura ifaranga rya fiat ku giciro cyiza kandi gihindagurika.
Uruziga n'utubari mubisanzwe bitanga ibiciro biri hasi ya feza.Rero, bahagarariye bumwe muburyo bwiza mubijyanye nagaciro kumafaranga.
Ubu buryo bwa feza bufite inyungu nyinshi.Ibiceri birashobora gukoreshwa nkamafaranga nyayo mugihe cyihutirwa kandi nkigikoresho gikomeye cyo kugurisha.Na none, mugihe kidashoboka ariko gishoboka ko igiciro cya feza kigabanuka munsi yumubare wigiceri, igihombo kigarukira kumaso yibiceri.Iyo uguze ibiceri bya feza, ntushobora gutakaza amafaranga burundu.
Benshi bizeye kubona isoko itaramenyekana, inzira yo kugura ibimasa munsi yigiciro.Ikigaragara ni uko keretse niba ufite umucuruzi ukora ibiceri cyangwa ibicuruzwa byigiciro cyinshi, ntushobora gutegereza kubona ifeza munsi yigiciro cyibicuruzwa.
Abacuruzi ni abaguzi benshi.Bashobora kubona ifeza byemewe kubiciro biri hasi gato ugereranije.Impamvu ntizigoye cyane: mugihe ukora ubucuruzi, ugomba kwishyura hejuru kandi ukunguka bike.Niba ukurikirana ibiciro bya feza, uzabona ko bihinduka buri munota.Kubwibyo, marike kurwego rwo kugurisha no kugurisha ni nto cyane.
Ibi ntibisobanura ko abaguzi badashobora kugura ifeza kumurongo cyangwa kububiko bwibiceri byabo ku giciro cyo hejuru gisekeje.Urugero rwaba ugura ibiceri bishaje cyangwa byangiritse.
Abacuruzi benshi kumubiri no kumurongo bagurisha ibiceri bidasanzwe nabo bagurisha ifeza.Bashobora gushaka gukuraho ububiko bunini bwibiceri byifeza byangiritse kugirango babone umwanya wibiceri byabo biciriritse kugeza hejuru.
Ariko, niba ushishikajwe cyane no kubona ifeza nyinshi kumafaranga yawe ashoboka, birashoboka ko udashaka kugura ibiceri bya feza bifite inenge.Barashobora gutakaza umubare munini wa feza kubera kwambara cyane cyangwa kwangirika.
Mu gusoza, imvugo ishaje yo kugurisha ikoreshwa mu kugura ifeza: “Urabona ibyo wishyuye!”Urabona rwose.
Abacuruzi benshi ba bullion naba broker bagurisha ifeza kumurongo, mubinyamakuru no kuri tereviziyo bavuga amagambo nkaya.Batanga igitekerezo cyuko hari umurongo woroshye ugereranije hagati yigiciro cya feza nisoko ryimigabane.Mu myaka yashize, interuro yabo yo kwamamaza yakunze kuba ikintu nka "gura ifeza nonaha mbere yuko isoko ryimigabane rigabanuka nigiciro cya feza kizamuka."
Mubyukuri, imbaraga hagati yifeza nisoko ryimigabane ntabwo yoroshye cyane.Kimwe na zahabu, platine n'ibindi bikoresho by'agaciro, ifeza ni uruzitiro rwiza rwo kurwanya ifaranga cyangwa ibindi bintu bibi bibaho mu gihe ubukungu bwifashe nabi kandi ubusanzwe biganisha ku isoko ry’imigabane.
Nubwo, nubwo habaye impanuka, ifeza ntabwo ihita izamuka mugihe isoko ryimigabane ryaguye.Ibi birashobora kugaragazwa no kureba uko ibiciro bya feza bigenda muri Werurwe 2020 mugihe icyorezo cya COVID-19 cyatangiye gusenya Amerika.Isoko ryimigabane ryaragabanutse, ritakaza hafi 33% yubunini bwaryo muminsi mike.
Byagendekeye bite ifeza?Agaciro kayo nako kagabanutse, kuva ku madolari agera kuri 18.50 ku isaha mu mpera za Gashyantare 2020 kugera munsi y’amadolari 12 hagati muri Werurwe 2020. Impamvu zabyo ziragoye, ahanini bitewe n’igabanuka ry’inganda zikenerwa na feza zatewe n'icyorezo.
None ukora iki niba ufite ifeza nigiciro cya feza igabanuka?Ubwa mbere, ntugahagarike umutima.Ibiciro byanze bikunze bizasubira inyuma mugihe kimwe, nkuko byagenze mumezi yakurikiye igabanuka rikabije ryibiciro bya feza hagati muri Werurwe 2020. Nubwo imitungo ifite umutekano ikenewe cyane, harikibazo gishobora gukurura ikabutura - igihombo kirekire.
Ariko ugomba no gutekereza kuri "kugura hasi" kugirango "ugurishe hejuru".Iyo ibiciro biri hasi, mubisanzwe nigihe cyiza cyo kugura.Abashoramari batagira ingano babikoze igihe Wall Street yagabanutse mu mpera za Werurwe no mu ntangiriro za Mata 2020 bishimiye inyungu zitangaje muri Gicurasi 2020 nyuma baza kongera isoko.
Ibi bivuze ko niba uguze ifeza mugihe ibiciro biri hasi, uzabona inyungu zidasanzwe?Ntabwo dufite umupira wo gutegera, ariko ubu buryo bwo kugura busanzwe butanga ibisubizo byiza kubafite kwihangana numukino muremure.
Mubitekerezo, izi nama hafi ya zose zirashobora gukoreshwa mugugura utubari twa zahabu cyangwa ikindi cyuma cyagaciro.Ariko, bitandukanye na zahabu, ifeza ikoreshwa mubwinshi mu nganda.
Igihe cyo kohereza: Werurwe-03-2023