Esi sikhokelo sipheleleyo sabaqalayo siza kukubonisa indlela yokuthenga isilivere.
Siza kujonga iindlela ezahlukeneyo zokuthenga isilivere, njengee-ETF kunye nee-futures, kunye neentlobo ezahlukeneyo zeebha zesilivere onokuzithenga, njengeengqekembe zesilivere okanye iibha. Ukhetho ngalunye luneengenelo kunye nokungalungi kwalo. Okokugqibela, siza kuthetha ngendawo yokuthenga isilivere, kuquka neendawo ezilungileyo zokuthenga isilivere kwi-intanethi nangobuqu.
Ngamafutshane, ukuthenga iibha zesilivere ezibonakalayo yenye yezona ndlela zibalaseleyo zokuthenga isilivere kuba ikuvumela ukuba ube neyakho kwaye utyale imali kwisinyithi esixabisekileyo ngendlela ebonakalayo. Xa uthenga iintsimbi ezixabisekileyo ezibonakalayo, ufumana ulawulo oluthe ngqo kunye nobunini botyalo-mali lwakho lwesilivere.
Kakade ke, zininzi iindlela abatyali-mali abanokuzithenga ngazo isilivere okanye baqikelele kwimarike yesinyithi esixabisekileyo. Ezi zingabandakanya:
Iimali ezininzi ezidityanisiweyo zityala imali kwizixhobo zemali ezikhankanyiweyo apha ngasentla. Xa ixabiso lezi asethi linyuka, abaninizabelo bazo benza imali.
Ukongeza, kukho ubunini besilivere ebonakalayo, nto leyo kubatyali-mali abaninzi besilivere yeyona ndlela ilungileyo yokuthenga isinyithi esixabisekileyo. Kodwa oko akuthethi ukuba ukuba neebha zesilivere yeyona ndlela ilungileyo yokutyala imali kuwe.
Nangona kunjalo, ukuba ufuna ukuthenga nokuthengisa isilivere xa ikufutshane nexabiso layo, le isenokuba yindlela efanelekileyo yokuthenga isinyithi esixabisekileyo.
Nangona izitokhwe zesilivere okanye izitokhwe zesilivere ziye zaphumelela kwabaninzi, ekugqibeleni uxhomekeke kubuchwepheshe obusebenza ngokufanelekileyo ukuqala ukuthenga nokuthengisa xa ulungile. Ngamanye amaxesha xa uqesha umthengisi wezabelo, usenokungasebenzi ngokukhawuleza ngendlela obungathanda ngayo.
Kwakhona, izinyithi ezibonakalayo zingathengiswa ngaxeshanye phakathi kwamaqela amabini ngaphandle kwamaphepha amaninzi. Zingasetyenziselwa nokutshintshiselana ngexesha likaxakeka okanye xa kukho ukudodobala koqoqosho.
Kodwa yeyiphi indlela engcono yokuthenga isilivere? Akukho mpendulo inye, kodwa xa usazi ukuba zeziphi iindlela ezikhoyo, ungenza ukhetho olungcono. Funda ngazo zonke iindlela zakho zokuthenga kwisikhokelo esipheleleyo sokuthenga isilivere ebonakalayo esivela kwiingcali zeGainesville Coins®!
Ukuba unomdla wokuthenga isilivere ebonakalayo kwaye ufuna iimpendulo kwimibuzo yakho malunga nokuba zeziphi iintlobo zezinto zesilivere onokuzithenga, indlela kunye nendawo ongazithenga kuyo, kunye nezinye izinto ezibalulekileyo zokuthenga iibhari zegolide ezibonakalayo, ke esi sikhokelo sesakho.
Usenokuba awuqhelananga nemarike yesilivere, kodwa mhlawumbi uqhelene neengqekembe zesilivere. Enyanisweni, abantu abaninzi abafuna ukutyala imali kwisilivere mhlawumbi bayakhumbula ukuba basebenzisa iingqekembe zesilivere kwiintengiselwano zemihla ngemihla kwiminyaka emininzi eyadlulayo.
Ukususela oko iingqekembe zesilivere zaqala ukusasazeka, ixabiso lesilivere liye lenyuka kakhulu – lafikelela kwinqanaba eliphezulu! Yiyo loo nto ngo-1965 i-United States yaqala ukususa isilivere kwiingqekembe zayo ezisasazwayo. Namhlanje, ingqekembe yesilivere eyi-90% kanye ngemini yindlela entle yotyalo-mali kwabo bafuna ukuthenga isilivere eninzi okanye eninzi kangangoko bafuna.
Abatyali-mali abaninzi bathenga neebha zesilivere zanamhlanje kwiibhini zabucala nezaseburhulumenteni. Ibha yegolide ibhekisa kwisilivere kwimo yayo ebonakalayo ecocekileyo. Oku kwahlukile kwezinye iindlela abatyali-mali abafikelela kuzo isilivere ngeemarike zemali, izabelo zabavukuzi besilivere (“izabelo zesilivere”) kunye namanqaku okutshintshiselana akhankanyiweyo apha ngasentla.
Ukongeza kwiingqekembe zesilivere ezingama-90% ezisandula kukhankanywa, i-US Mint ikwanazo neengqekembe zesilivere zaseMelika ezingama-35%, 40% kunye nama-99.9%. Ingasathethwa ke ngeengqekembe zesilivere ezivela kwihlabathi liphela.
Oku kuquka iRoyal Canadian Mint kunye neengqekembe zayo zeCanadian Maple Leaf, iBritish Royal Mint, iPerth Mint eOstreliya, kunye nezinye iiminti ezinkulu ezininzi. Ezi ngqekembe zehlabathi zifumaneka ngobukhulu obahlukeneyo, imilo eyahlukeneyo, amanani kunye nemibala eyahlukeneyo, zibonelela abaqokeleli kunye nabatyali-mali ngeendlela ezahlukeneyo zokuthenga isilivere ekhangayo.
Ziziphi iingxaki eziphambili zokuthenga iingqekembe zesilivere? Ingqekembe yesilivere phantse isoloko inexabiso elincinci kodwa elibalulekileyo le-numismatic premium (ixabiso eliqokelelweyo). Ngenxa yoko, ngokubanzi iya kubiza ngaphezu kweerandi zesilivere okanye iibhari ezinobunono obufanayo, ubunzima, kunye nobunono. Ingqekembe zesilivere ezinexabiso eliqokelelweyo ziya kuba nexabiso eliphezulu le-numismatic elongeziweyo kwixabiso.
Abanye abathengisi banikezela ngezaphulelo okanye ukuthunyelwa simahla xa abathengi bethenga iingqekembe ezininzi.
Ngokungafaniyo neengqekembe, iidola zesilivere ziipleyiti zesilivere ezingeyomali. Ezi zangqa zinoonobumba abalula okanye imizobo yobugcisa ngakumbi.
Nangona iirawundi zingeyomali ye-fiat, zisathandwa ngabatyali-mali besilivere ngenxa yezizathu ezahlukeneyo.
Kwabo bafuna enye indlela ejikelezayo kwaye bafuna isilivere isondele kakhulu kwixabiso layo lemarike, kukho iibha zesilivere. Iingqekembe zegolide zihlala zithengiswa ngexabiso eliphantsi lepesenti ezimbalwa ngaphezu kwexabiso lesilivere, kodwa ungathenga iibha zesilivere ngeepeni ezingaphezulu kwexabiso lesilivere.
Iibhari zesilivere eziqhelekileyo ezithengiswa apha ekhaya azisoloko zinobugcisa, kodwa ngokwegram, le yenye yeendlela ezingabizi kakhulu zokuthenga isilivere. Abo bathanda ubugcisa baya kufumana iibhari ezinoyilo oluphezulu, nangona zihlala zibiza kancinci.
Ewe! I-US Mint inika isilivere ngeendlela ezahlukeneyo, kuquka iingqekembe zesilivere ze-numismatic kunye neengqekembe ze-bullion.
Ukuba ungathanda ukuthenga iingqekembe zeSilver American Eagle zika-2021 ngqo kwiMint, kufuneka uqhagamshelane nomthengi oGunyazisiweyo. I-AP yeyona kuphela efumana ngqo iibha zeSilver Eagle zase-US ezivela kwiMint yase-US. Oku kungenxa yokuba iMint yase-US ayithengisi ngqo iibha zegolide zeSilver Eagles zase-US kuluntu.
Kwiimeko ezininzi, umthengisi weengqekembe othembekileyo uya kuba neebha zesilivere ezingaphezulu ezithengiswayo kune-mint.
Iibhanki azizithengisi iibhari zesilivere. Awusenakukwazi ukuya ebhankini uze ulindele ukufumana iingqekembe zesilivere xa uzifuna, njengakwiminyaka yoo-1960, xa izatifikethi zeengqekembe zesilivere ezazisetyenziswa zazisetyenziselwa le njongo ngokukodwa.
Nangona kunjalo, iitshintshi okanye imiqulu yeedayimesi zesilivere, iikota, okanye isiqingatha seedola zisenokufunyanwa ngamanye amaxesha kwiijagi. Ezi zinto zingaqhelekanga endaweni yokuba ziqheleke. Kodwa abafuna izinto ngokuzingisileyo baye bafumana uninzi lwezi zinto zethamsanqa ngokuphanda iingqekembe kwiibhanki zasekuhlaleni.
Ukuthenga isilivere evenkileni ebonakalayo yinkqubo elula. Kwimeko ezinjalo, kungcono ukuthenga isilivere rhoqo kumthengisi weenkozo odumileyo okanye kumthengisi weenkozo.
Xa uthenga isilivere kwi-intanethi, uneendlela ezahlukeneyo onokukhetha kuzo. Uluhlu lovavanyo luqhelekile, kodwa la malungiselelo angacwangciswanga adla ngokubandakanya iintlanganiso ezingacacanga kunye nomngcipheko wokuqhathwa.
Ungakhetha indawo yefandesi kwi-intanethi efana ne-eBay. Nangona kunjalo, ukuthenga isinyithi kwi-eBay phantse rhoqo kuthetha ixabiso eliphezulu. Oku kungenxa yokuba i-eBay ihlawulisa abathengisi iifizi ezongezelelweyo zokufaka izinto kuluhlu. Akukho nanye kwezi ndlela enika indlela elula yokubuyisela okanye yokuqinisekisa ubunyani besilivere yakho.
Eyona ndlela ikhuselekileyo nelula yokuthenga isilivere kwi-intanethi kukusebenzisa iiwebhusayithi zabathengisi beentsimbi ezixabisekileyo abaziingcali. I-Gainesville Coins yindawo efanelekileyo yokuthenga isilivere kwi-intanethi ngenxa yokuthembeka kwethu, udumo lwethu oluqinileyo, inkonzo yabathengi, amaxabiso aphantsi kunye nokukhethwa okubanzi kweemveliso. Ukuthenga izinyithi ezixabisekileyo kwi-intanethi nge-Gainesville Coins yinkqubo ekhuselekileyo nelula.
Sisoloko sikulungele ukuphendula imibuzo yakho nokuchaza umgaqo-nkqubo wenkampani yethu. Landela amakhonkco angezantsi ukuze ufumane ulwazi oluthe kratya malunga neGainesville Coins:
Impendulo ixhomekeke kwiinjongo zakho zokutyala imali kwisilivere. Ukuba ufuna ukuthenga isilivere ngexabiso eliphantsi ngegram nganye, eyona nto unokuyenza kukuthenga iirandi okanye iibhari. Iingqekembe zesilivere zezona zikhetho zilungileyo kwabo bafuna ukuthenga iingqekembe zefiat.
Iingqekembe zesilivere eziphosiweyo zimele uhlobo oluthile lokuvumelana. Ezi ziingqekembe eziqhelekileyo ezigugileyo kakhulu ukuba zinganambitheki ngabaqokeleli abaninzi. Ngenxa yoko, zinexabiso kuphela kwingqekembe yesilivere (ixabiso elingaphakathi). Le yenye yezona ntlobo zingabizi kakhulu zeengqekembe zesilivere onokuzithenga. Nangona kunjalo, usafumana iingenelo zokuthenga iibha zemali ze-fiat ngexabiso elifanelekileyo kunye nokuguquguquka kokuguquguquka.
Iisangqa kunye neebha zihlala zibonelela ngamaxabiso aphantsi esilivere. Ngoko ke, zimele enye yezona ndlela zibalaseleyo ngokwexabiso lemali.
Olu hlobo lwesilivere luneenzuzo ezininzi. Iingqekembe zingasetyenziswa njengemali yokwenyani kwiimeko ezingxamisekileyo kwaye njengesixhobo esihle sokutshintshiselana. Kwakhona, kwimeko engalindelekanga kodwa enokwenzeka yokuba ixabiso lesilivere liwele ngaphantsi kwexabiso elibonakalayo lengqekembe, ilahleko zilinganiselwe kwixabiso elibonakalayo lengqekembe. Xa uthenga iingqekembe zesilivere, awulahlekelwa yimali ngokupheleleyo.
Abaninzi banethemba lokufumana umthombo ongachazwanga, indlela yokuthenga i-bullion engaphantsi kwexabiso elimiselweyo. Inyani yile yokuba ngaphandle kokuba unomthengisi weengqekembe osebenzayo okanye umthengisi weentsimbi ezixabisekileyo, awunakulindela ukufumana isilivere engaphantsi kwexabiso elimiselweyo kwindawo yokuthengisa.
Abathengisi kwakhona ngabathengi abagxile ekuthengiseni ngobuninzi. Banokufumana isilivere ngokusemthethweni ngexabiso eliphantsi kancinci kunelo liqhelekileyo. Izizathu azinzima kakhulu: xa uqhuba ishishini, kufuneka uhlawule iindleko eziphezulu kwaye wenze inzuzo encinci. Ukuba ulandelela amaxabiso esilivere, uya kuqaphela ukuba ayatshintsha yonke iminithi. Ke ngoko, umda kwinqanaba lokuthengisa ngobuninzi kunye nokuthengisa umncinci kakhulu.
Oku akuthethi ukuba abathengi abanakuthenga isilivere kwi-intanethi okanye kwivenkile yabo yeengqekembe yasekuhlaleni ngamaxabiso aphezulu kakhulu. Umzekelo ungathenga iingqekembe ezigugileyo okanye ezonakeleyo.
Abathengisi abaninzi abathengisa iingqekembe ezinqabileyo nabakwi-intanethi bathengisa isilivere. Basenokufuna ukukhupha iingqekembe zesilivere ezonakeleyo kwisitokhwe esikhulu ukuze bafumane iingqekembe zabo zexabiso eliphakathi ukuya kweliphezulu.
Nangona kunjalo, ukuba unomdla wokufumana isilivere eninzi kangangoko unako ngemali yakho, mhlawumbi awufuni ukuthenga iingqekembe zesilivere ezineengxaki. Zinokulahlekelwa sisixa esikhulu sesilivere ngenxa yokonakala okanye ukuguguleka okukhulu.
Ukuqukumbela, isaci sakudala sokuthengisa siyasebenza xa kuthengwa isilivere: “Ufumana into oyihlawulelayo!” Ufumana ngokwenene.
Abathengisi abaninzi beenkunzi zegolide nabathengisi abathengisa isilivere kwi-intanethi, kwiimagazini nakumabonwakude benza izitatimende ezinje. Banika umbono wokuba kukho ubudlelwane obucacileyo phakathi kwexabiso lesilivere kunye nemarike yesitokhwe. Kwiminyaka yakutshanje, isiqubulo sabo sentengiso besisoloko sisithi “thenga isilivere ngoku ngaphambi kokuba imarike yesitokhwe iwe kwaye ixabiso lesilivere linyuke.”
Enyanisweni, indlela isilivere kunye nemarike yesitokhwe ayilula kangako. Njengegolide, iplatinum kunye nezinye izinyithi ezixabisekileyo, isilivere sisixhobo esihle kakhulu sokukhusela ukunyuka kwamaxabiso okanye ezinye iziganeko ezimbi ezenzeka ngexesha lokudodobala koqoqosho kwaye zihlala zikhokelela ekuncipheni kwenani lemarike yesitokhwe.
Nangona kunjalo, nokuba kwenzeka ingozi, isilivere ayinyuki ngokuzenzekelayo xa imarike yesitokhwe iwa. Oku kunokubonakaliswa ngokujonga intshukumo yamaxabiso esilivere ngoMatshi 2020 njengoko ubhubhane we-COVID-19 waqala ukutshabalalisa iMelika. Imarike yesitokhwe yehla, yalahlekelwa malunga ne-33% yomthamo wayo kwiintsuku ezimbalwa.
Kwenzeke ntoni kwisilivere? Ixabiso layo liye lehla, ukusuka kwi-$18.50 i-ounce ekupheleni kukaFebruwari 2020 ukuya ngaphantsi kwe-$12 phakathi kuMatshi 2020. Izizathu zoku zinzima, ngokuyinxenye ngenxa yokwehla kwemfuno yesilivere kwimizi-mveliso okubangelwe yibhubhane.
Ngoko ke wenza ntoni ukuba unesilivere kwaye ixabiso lesilivere liyehla? Okokuqala, ungoyiki. Amaxabiso ngokuqinisekileyo aza kubuya ngaxesha lithile, njengoko enjenjalo kwiinyanga ezilandela ukwehla okukhulu kwamaxabiso esilivere phakathi kuMatshi 2020. Nokuba izinto ezikhuselekileyo zifunwa kakhulu, kukho umngcipheko onokukhokelela kwilahleko yexesha elide.
Kodwa kufuneka ucinge nangokuthi “thenga ixabiso eliphantsi” ukuze “uthengise ixabiso eliphezulu”. Xa amaxabiso ephantsi, eli lixesha elifanelekileyo lokuthenga. Abatyali-mali abaninzi abakwizabelo abenze oku xa iWall Street yayiwa ekupheleni kukaMatshi nasekuqaleni kuka-Epreli 2020 bonwabele imbuyekezo enkulu yesitoko ngoMeyi 2020 kwaye kamva njengoko imakethi yayiphinda inyuka.
Ngaba oku kuthetha ukuba ukuba uthenga isilivere xa amaxabiso ephantsi, uya kufumana inzuzo efanayo emangalisayo? Asinabhola yekristale, kodwa eli cebo lokuthenga lidla ngokuvelisa iziphumo ezilungileyo kwabo banomonde nomdlalo omde.
Ngokwethiyori, phantse zonke ezi ngcebiso zingasetyenziswa ekuthengeni iintsimbi zegolide ezibonakalayo okanye nayiphi na enye intsimbi exabisekileyo. Nangona kunjalo, ngokungafaniyo negolide, isilivere isetyenziswa ngobuninzi kwimizi-mveliso.
Ixesha lokuthumela: Matshi-03-2023
