Gwaro iri rine ruzivo rwakakwana rwevatangi richakutungamira munzira dzekutenga sirivha.
Tichatarisa nzira dzakasiyana dzekutenga sirivha, dzakadai seETFs nefutures, pamwe chete nemarudzi akasiyana esimbi dzesirivha dzaunogona kutenga, dzakadai sesimbi dzesirivha kana simbi. Sarudzo yega yega ine zvayakanakira nezvayakaipira. Chekupedzisira, tichatarisa kwekutenga sirivha, kusanganisira nzvimbo dzakanakisa dzekutenga sirivha online uye iwe pachako.
Muchidimbu, kutenga simbi dzesirivha chaiyo ndeimwe yenzira dzakanakisisa dzekutenga sirivha sezvo zvichikubvumidza kuti uve nesimbi inokosha uye uiise muchimiro chinobatika. Paunotenga simbi dzinokosha chaiyo, unowana kutonga kwakananga uye kuva muridzi wemari yako yesirivha.
Ehe, kune nzira dzakawanda dzekutenga sirivha kana kufungidzira mumusika wesimbi dzinokosha. Izvi zvinogona kusanganisira:
Mari zhinji dzemubhadharo dzinoisawo mari muzvishandiso zvemari zvataurwa pamusoro apa. Kana kukosha kwezvinhu izvi kukawedzera, vagovani vavo vanowana mari.
Pamusoro pezvo, kune muridzi wesirivha chaiyo, iyo kune vazhinji vanoisa mari yesirivha ndiyo nzira yakanakisisa yekutenga simbi inokosha. Asi izvozvo hazvirevi kuti kuva nesimbi yesirivha ndiyo nzira yakanakisisa yekudyara mari.
Zvisinei, kana uchida kutenga nekutengesa sirivha kana mutengo wayo wasvika padanho repamusoro, iyi ingave ndiyo nzira chaiyo yekutenga simbi inokosha.
Kunyange hazvo masheya esirivha kana masheya ekuchera sirivha akabudirira kune vazhinji, pakupedzisira unovimba netekinoroji inoshanda nemazvo kuti utange kutenga nekutengesa kana wagadzirira. Dzimwe nguva paunotsvaga mutengesi wemasheya, anogona kusaita nekukurumidza sezvaungade.
Uyewo, simbi dzinongoitika dzinogona kutengeswa ipapo ipapo pakati pevanhu vaviri pasina mapepa akawanda. Dzinogona kutoshandiswa kutengesa zvinhu panguva yenjodzi kana kudzikira kwehupfumi.
Asi ndeipi nzira yakanakisisa yekutenga sirivha? Hapana mhinduro imwe chete, asi kana uchiziva kuti ndeapi masarudzo aripo, unogona kusarudza zviri nani. Dzidza nezvesarudzo dzako dzese dzekutenga mugwaro rakazara rekutenga sirivha kubva kunyanzvi dzeGainesville Coins®!
Kana uchida kutenga sirivha chaiyo uye uchida mhinduro dzemibvunzo yako pamusoro pemhando dzezvinhu zvesirivha zvaunogona kutenga, kuti ungazvitenga sei uye kupi, pamwe nezvimwe zvinhu zvakakosha pakutenga goridhe chaiyo, saka gwara iri ndere rako.
Ungave usingazive nezvemusika wesirivha, asi pamwe unoziva nezvemari yesirivha. Kutaura zvazviri, vanhu vazhinji vanoda kuisa mari musirivha vanogona kuyeuka vachishandisa mari yesirivha mukutengeserana kwezuva nezuva makumi emakore apfuura.
Kubva pakatanga kushandiswa mari yesirivha, mutengo wesirivha wakakwira zvakanyanya - kusvika pamugumo! Ndosaka muna 1965 United States yakatanga kubvisa sirivha kubva mumari yayo yaishandiswa. Nhasi uno, mari yesirivha ye90% inotengeswa kamwe chete pazuva inzira yakanaka yekudyara mari kune avo vanoda kutenga sirivha yakawanda kana yakawanda sezvavanoda.
Vazhinji vanoisa mari vanotengawo sirivha yemazuva ano kubva kumakambani ega neeveruzhinji. Bhara regoridhe rinoreva sirivha muchimiro chayo chakachena. Izvi zvakasiyana nedzimwe nzira dzinoshandiswa nevanoisa mari kuwana sirivha kuburikidza nemisika yemari, migove yemigove yesirivha ("migove yesirivha") uye mari yekutsinhana yataurwa pamusoro apa.
Kuwedzera kune mari yesirivha ye90% yataurwa, US Mint inewo mari yesirivha chaiyo ye35%, 40% uye 99.9%. Tisingatauri nezvemari yesirivha inobva kumativi ese epasi.
Izvi zvinosanganisira Royal Canadian Mint nemari yayo yeCanadian Maple Leaf, British Royal Mint, Perth Mint muAustralia, nedzimwe mhando dzakawanda dzemints. Inowanikwa muhukuru hwakasiyana-siyana, maumbirwo, marudzi akasiyana-siyana uye mavara, idzi mari dzepasi rose dzinopa vaunganidzi nevanoisa mari nzira dzakasiyana-siyana dzekutenga sirivha dzinoyevedza.
Ndezvipi zvakaipa zvikuru pakutenga mari yesirivha? Mari yesirivha inowanzova nemari shoma asi yakakosha (inounganidzwa). Saka, inowanzodhura kupfuura mari yesirivha kana zvidimbu zvakafanana zvekupfava, huremu, uye kupfava. Mari yesirivha ine kukosha kwekuunganidzwa ichave nemutengo wakakwira wekuwedzera kumutengo.
Vamwe vatengesi vanopa zvidzikiso kana kutumirwa mahara kana vatengi vakatenga mari yakawanda.
Kusiyana nemari dzesimbi, madhora esirivha isirivha isingabhadharwi nemari. Madenderedzwa acho angave ari mabhii akareruka kana kuti mifananidzo yeunyanzvi.
Kunyange hazvo marobhoti asiri mari yefiat, achiri kufarirwa nevanoisa mari yesirivha nekuda kwezvikonzero zvakasiyana-siyana.
Kune avo vanoda imwe nzira yakatenderera uye vanoda kuti sirivha ive pedyo nemutengo wayo wemusika sezvinobvira, simbi dzesirivha dziripo. Mari dzegoridhe dzinowanzo tengeswa nemutengo wepamusoro wemari shoma pane mutengo wesirivha, asi unogona kutenga simbi dzesirivha nemasendi ari pamusoro pemutengo wesirivha.
Mabhawa esirivha anowanzo kutengeswa munharaunda kazhinji haana hunyanzvi, asi kana tichitarisa giramu, iyi ndeimwe yenzira dzakachipa dzekutenga sirivha. Avo vanoda hunyanzvi vachawana mabhawa ane dhizaini yepamusoro, kunyangwe achiwanzodhura zvishoma.
Ehe! US Mint inopa sirivha mumhando dzakasiyana-siyana, kusanganisira mari yesirivha ine hunhu hwepamusoro uye mari yegoridhe.
Kana uchida kutenga mari yeSilver American Eagle ye2021 zvakananga kubva kuMint, unofanirwa kubata Mutengi Akatenderwa. AP ndiyo yega inogamuchira zvakananga US Silver Eagle bars kubva kuUS Mint. Izvi zvinodaro nekuti US Mint haitengesi US Silver Eagles gold bars zvakananga kune veruzhinji.
Muzviitiko zvakawanda, mutengesi wemari anovimbwa naye achava nesirivha yakawanda inotengeswa kupfuura mint.
Mabhangi haawanzo tengesa sirivha. Hauchakwanisi kuenda kubhangi wotarisira kugamuchira mari yesirivha kana uchida, sezvakaita muma1960, apo zvitupa zvemari yesirivha zvaishandiswa zvakananga pachinangwa ichi.
Zvisinei, mari yekuchinja kana kuti marongero esirivha, makota, kana hafu yemadhora achiri kuwanikwa muzvirongo dzimwe nguva. Zvakawanikwa zvakadaro hazviwanzoitika. Asi vanhu vanogara vachitsvaka zvinhu izvi vakawana zvakawanda zvezvinhu izvi nekutsvaga mari mumabhangi emuno.
Kutenga sirivha muchitoro chiri nyore. Muzviitiko izvi, zvakanaka kugara uchitenga sirivha kubva kumutengesi wemari ane mukurumbira.
Kana uchitenga mari yesirivha online, une sarudzo dzakasiyana-siyana. Kunyorwa kwenyaya dzemari dzechikwereti kwakajairika, asi urongwa uhwu hunowanzosanganisira misangano isina kurongeka uye njodzi yekubiridzirwa.
Unogona kusarudza webhusaiti yekutengesa online senge eBay. Zvisinei, kutenga simbi pa eBay kunowanzoreva mutengo wakakwira. Izvi zvinonyanya kukonzerwa nekuti eBay inobhadharisa vatengesi mari yekuwedzera yekuisa zvinhu muchitoro. Hapana imwe yesarudzo idzi inopa nzira iri nyore yekudzosera kana kusimbisa sirivha yako kuti ndeyechokwadi.
Nzira yakachengeteka uye iri nyore yekutenga sirivha online ndeyekushandisa mawebhusaiti evatengesi vesimbi dzinokosha. Gainesville Coins ndiyo nzvimbo yakanakisa yekutenga sirivha online nekuda kwekuvimbika kwedu, mukurumbira wedu wakanaka, sevhisi yevatengi, mitengo yakaderera uye sarudzo yakakura yezvigadzirwa. Kutenga simbi dzinokosha online neGainesville Coins inzira yakachengeteka uye iri nyore.
Tinogara takagadzirira kupindura mibvunzo yenyu uye kutsanangura mutemo wekambani yedu. Tevedzerai malink ari pazasi kuti muwane rumwe ruzivo nezveGainesville Coins:
Mhinduro yacho inoenderana nezvinangwa zvako zvekudyara mari musirivha. Kana uchida kutenga sirivha nemutengo wakaderera pagiramu imwe neimwe, zvakanakisisa kutenga mabhora kana mabhawa. Mari dzesirivha ndiyo sarudzo yakanakisa kune avo vanoda kutenga mari dzefiat.
Mari dzesirivha dzakakandwa dzinomiririra rudzi rwekubvumirana. Idzi imari dzakajairika dzinosakara zvakanyanya zvekuti vazhinji vanodziunganidza havadi. Saka, dzine kukosha kwemari yesirivha chete (kukosha kwemukati). Iyi ndeimwe yemhando dzakachipa dzemari dzesirivha dzaunogona kutenga. Zvisinei, uchiri kuwana mabhenefiti ekutenga fiat currency bar nemutengo unonzwisisika uye hunyanzvi hwemari.
Madenderedzwa nemabhawa zvinowanzopa mitengo yakaderera yesirivha. Saka, zvinomiririra imwe yesarudzo dzakanakisisa maererano nemutengo wemari.
Rudzi urwu rwesirivha rune zvakanakira zvakawanda. Mari dzesimbi dzinogona kushandiswa semari chaiyo munguva dzenjodzi uye sechishandiso chakanaka chekuchinjana. Uyewo, kana mutengo wesirivha ukadonha pasi pemutengo wesimbi, kurasikirwa kunogumira pamutengo wesimbi. Paunotenga mari dzesimbi dzesimbi, haurasikirwi nemari zvachose.
Vazhinji vari kutarisira kuwana nzvimbo isina kutaurwa, nzira yekutenga goridhe pasi pemutengo chaiwo. Chokwadi ndechekuti kunze kwekunge uine mutengesi wemari kana mutengesi wesimbi dzinokosha, haugone kutarisira kuwana sirivha pasi pemutengo chaiwo munzvimbo yekutengesa.
Vatengesi vanotenga zvinhu zvakawanda nemutengo wakaderera. Zviri pamutemo vanogona kutenga sirivha nemutengo wakaderera zvishoma pane wavanotenga. Zvikonzero zvacho hazvina kuoma: kana uchitungamira bhizinesi, unofanirwa kubhadhara mari yekuwedzera uye kuwana purofiti diki. Kana ukatevera mitengo yesirivha, uchaona kuti inochinja miniti yega yega. Saka, mari yekutenga zvinhu zvakawanda nekutengesa yakaderera zvikuru.
Izvi hazvirevi kuti vatengi havagone kutenga sirivha online kana muchitoro chemari chemunharaunda yavo nemitengo yakakwira zvikuru. Muenzaniso ungave kutenga mari dzakasakara kana dzakakuvara zvakanyanya.
Vatengesi vazhinji vepaindaneti uye vepaindaneti vanotengesa mari dzesirivha dzisingawanzoonekwi vanotengesawo sirivha. Vangangoda kubvisa mari dzesirivha dzakakuvara muzvitoro zvakawanda kuti vawane nzvimbo yemari dzavo dzepakati nepakati kusvika kune dzepamusoro.
Zvisinei, kana uchinyanya kuda kuwana sirivha yakawanda nemari yako, pamwe haungade kutenga mari yesirivha isina kunaka. Inogona kurasikirwa nemari yakawanda yesirivha nekuda kwekusakara zvakanyanya kana kukuvara.
Mukupedzisa, chirevo chekare chekutengesa chinoshanda pakutenga sirivha: “Unowana chaunobhadhara!” Unowana zvechokwadi.
Vatengesi vakawanda vemabhuru nevatengesi vanotengesa sirivha online, mumagazini nepaterevhizheni vanotaura seizvi. Vanopa pfungwa yekuti pane hukama hwakareruka pakati pemutengo wesirivha nemusika wemasheya. Mumakore achangopfuura, chirevo chavo chekushambadzira chave chichiwanzova chinhu chakaita sekuti "tenga sirivha izvozvi musika wemasheya usati wadzikira uye mutengo wesirivha usati wakwira."
Kutaura zvazviri, kushanduka kuripo pakati pesirivha nemusika wemasheya hakusi nyore. Kufanana negoridhe, platinum nedzimwe simbi dzinokosha, sirivha inodzivirira kukwira kwemitengo yezvinhu kana zvimwe zviitiko zvakaipa zvinoitika panguva yekuderera kwehupfumi uye zvinowanzoita kuti musika wemasheya uderere.
Zvisinei, kunyangwe kana misika yemasheya ikadonha, sirivha haingokwire yega kana musika wemasheya wadonha. Izvi zvinogona kuratidzwa nekutarisa kufamba kwemitengo yesirivha munaKurume 2020 sezvo denda reCOVID-19 rakatanga kuparadza United States. Musika wemasheya wakadzikira, uchirasikirwa neinenge 33% yehuwandu hwawo mumazuva mashoma.
Chii chakaitika kusirivha? Kukosha kwayo kwadzikirawo, kubva pamadhora angangoita $18.50 paaunzi pakupera kwaKukadzi 2020 kusvika pasi pemadhora gumi nemaviri pakati paKurume 2020. Zvikonzero zveizvi zvakaoma, chimwe chikonzero chiri kudzikira kwekudiwa kwesirivha mumaindasitiri kwakakonzerwa nedenda iri.
Saka unoita sei kana uine sirivha uye mutengo wesirivha uchidzikira? Chekutanga, usatya. Mitengo ichadzoka zvakare pane imwe nguva, sezvayakaita mumwedzi inotevera kudzikira kwakanyanya kwemitengo yesirivha pakati paKurume 2020. Kunyangwe kana midziyo yakachengeteka ichidiwa zvakanyanya, pane njodzi inogona kutungamira mukurasikirwa kwenguva refu - kurasikirwa kwenguva refu.
Asi unofanirawo kufunga nezve "kutenga zvakaderera" kuti "utengese zvakakwira". Kana mitengo yakaderera, iyi inowanzova nguva yakanaka yekutenga. Vatengesi vemasheya vakawanda vakaita izvi apo Wall Street yakaderera pakupera kwaKurume nekutanga kwaKubvumbi 2020 vakanakidzwa nekudzoka kwemasheya kwakanyanya muna Chivabvu 2020 uye gare gare apo musika wakawedzera kukwira.
Izvi zvinoreva here kuti kana ukatenga sirivha kana mitengo yakaderera, uchawana purofiti yakafanana? Isu hatina bhora rekristaro, asi nzira iyi yekutenga inowanzo buritsa mhedzisiro yakanaka kune avo vane mwoyo murefu uye mutambo murefu.
Mukufunga, mazano ese aya anogona kushandiswa pakutenga goridhe chairo kana chero imwe simbi inokosha. Zvisinei, kusiyana negoridhe, sirivha inoshandiswa zvakanyanya mumaindasitiri.
Nguva yekutumira: Kurume-03-2023
