Lo mhlahlandlela ophelele wabaqalayo uzokuqondisa ezinyathelweni zokuthenga isiliva okungenzeka.
Sizobheka izindlela ezahlukene zokuthenga isiliva, njenge-ETF kanye ne-futures, kanye nezinhlobo ezahlukene zezinsimbi zesiliva ongazithenga, njengezinhlamvu zemali zesiliva noma izinsimbi. Inketho ngayinye inezinzuzo nezinkinga zayo. Okokugcina, sibheka ukuthi ungathenga kuphi isiliva, okuhlanganisa nezindawo ezinhle kakhulu zokuthenga isiliva ku-inthanethi kanye mathupha.
Ngamafuphi, ukuthenga imigoqo yesiliva ebonakalayo kungenye yezindlela ezinhle kakhulu zokuthenga isiliva njengoba kukuvumela ukuthi ube nensimbi eyigugu futhi uyitshale ngendlela ebonakalayo. Uma uthenga izinsimbi eziyigugu ezibonakalayo, uthola ukulawula okuqondile kanye nobunikazi botshalomali lwakho lwesiliva.
Vele, kunezindlela eziningi abatshalizimali abangathenga ngazo isiliva noma baqagele emakethe yezinsimbi eziyigugu. Lokhu kungafaka:
Izimali eziningi ezihlangene nazo zitshala imali kumathuluzi ezezimali ashiwo ngenhla. Lapho inani lalezi zimpahla likhuphuka, abanikazi bamasheya bazo benza imali.
Ngaphezu kwalokho, kukhona ubunikazi bangempela besiliva esingokoqobo, okuyinto kubatshalizimali abaningi besiliva okuyindlela engcono kakhulu yokuthenga insimbi eyigugu. Kodwa lokho akusho ukuthi ukuba nezinsika zesiliva kuyindlela engcono kakhulu yokutshala imali kuwe.
Kodwa-ke, uma ufuna ukuthenga nokuthengisa isiliva lapho futhi kuphi kuseduze nentengo eqondile, lena kungaba yindlela efanele yokuthenga insimbi eyigugu.
Nakuba amasheya esiliva noma amasheya esiliva enziwe aphumelela kwabaningi, ekugcineni uthembele kubuchwepheshe obusebenza kahle ukuqala ukuthenga nokuthengisa uma usukulungele. Ngezinye izikhathi uma uqasha umthengisi wamasheya, angase angenzi ngokushesha ngendlela obungathanda ngayo.
Futhi, izinsimbi ezibonakalayo zingathengiswa khona lapho phakathi kwamaqembu amabili ngaphandle kwemibhalo eminingi. Zingasetshenziswa ngisho nokushintshana ngesikhathi sezimo eziphuthumayo noma ukwehla kwamandla omnotho.
Kodwa iyiphi indlela engcono kakhulu yokuthenga isiliva? Ayikho impendulo eyodwa, kodwa uma wazi ukuthi yiziphi izinketho ezitholakalayo, ungenza ukukhetha okungcono. Funda ngazo zonke izinketho zakho zokuthenga kumhlahlandlela ophelele wokuthenga isiliva ongokoqobo ovela kochwepheshe beGainesville Coins®!
Uma unesifiso sokuthenga isiliva esingokoqobo futhi ufuna izimpendulo zemibuzo yakho mayelana nokuthi yiziphi izinhlobo zezinto zesiliva ongazithenga, ukuthi ungazithenga kanjani futhi kuphi, kanye nezinye izici ezibalulekile zokuthenga izinti zegolide ezingokoqobo, khona-ke lo mhlahlandlela ungowakho.
Ungase ungajwayelene nemakethe yesiliva, kodwa kungenzeka ukuthi ujwayelene nezinhlamvu zemali zesiliva. Eqinisweni, abantu abaningi abafuna ukutshala imali esiliva cishe bayakhumbula besebenzisa izinhlamvu zemali zesiliva ekuthengiselaneni kwansuku zonke emashumini eminyaka edlule.
Selokhu izinhlamvu zemali zesiliva zaqala ukusakazwa, intengo yesiliva ikhuphuke kakhulu - yaze yafika emkhawulweni! Yingakho ngo-1965 i-United States yaqala ukususa isiliva ezinhlamvu zemali zayo ezisakazwayo. Namuhla, uhlamvu lwesiliva olungu-90% kanye ngosuku luyindlela enhle yokutshala imali kulabo abafuna ukuthenga isiliva eliningi noma eliningi ngangokunokwenzeka.
Abatshalizimali abaningi bathenga nezinsimbi zesiliva zesimanje emishinini yangasese neyomphakathi. Insimbi yegolide ibhekisela esiliva ngesimo sayo esimsulwa. Lokhu kuhlukile kwezinye izindlela abatshalizimali abangathola ngazo isiliva ngezimakethe zezimali, amasheya abavukuzi besiliva (“amasheya esiliva”) kanye namanothi okushintshana ashiwo ngenhla.
Ngaphezu kwezinhlamvu zemali zesiliva ezingu-90% ezisanda kushiwo, i-US Mint nayo inezinhlamvu zemali zesiliva zase-US ezingu-35%, 40% kanye no-99.9%. Ingasaphathwa eyezinhlamvu zemali zesiliva ezivela emhlabeni wonke.
Lokhu kufaka phakathi i-Royal Canadian Mint kanye nezinhlamvu zayo ze-Canadian Maple Leaf, i-British Royal Mint, i-Perth Mint e-Australia, kanye nezinye izinhlamvu eziningi ezinkulu. Zitholakala ngobukhulu obuhlukahlukene, izimo, amaqoqo kanye nemibala, lezi zinhlamvu zomhlaba zinikeza abaqoqi kanye nabatshalizimali izinketho ezahlukene zokuthenga isiliva ezikhangayo.
Yiziphi izinkinga ezinkulu zokuthenga izinhlamvu zemali zesiliva? Uhlamvu lwesiliva cishe luhlala lune-numismatic premium encane kodwa ebalulekile (inani eliqoqwayo). Ngakho-ke, ngokuvamile luzobiza ngaphezu kwezindilinga zesiliva noma imigoqo efana nobukhulu, isisindo, kanye nobukhulu. Izinhlamvu zemali zesiliva ezinenani eliqoqwayo zizoba nenani eliphakeme le-numismatic elingeziwe entengo.
Abanye abathengisi banikeza izaphulelo noma ukuthunyelwa kwamahhala lapho amakhasimende ethenga izinhlamvu zemali eziningi.
Ngokungafani nezinhlamvu zemali, amadola esiliva ayizingqwembe zesiliva ezingenzi imali. Izindilinga zingamagama alula noma imidwebo yobuciko kakhulu.
Nakuba ama-rounds engeyona imali ye-fiat, asathandwa ngabatshalizimali besiliva ngezizathu eziningana.
Kulabo abafuna isiliva eliyindilinga futhi abafuna isiliva lisondele kakhulu entengweni yalo yemakethe ngangokunokwenzeka, kunezingodo zesiliva. Izinhlamvu zemali zegolide zivame ukuthengiswa ngentengo ephansi ngamaphesenti ambalwa ngaphezu kwentengo ephansi yesiliva, kodwa ungathenga izingodo zesiliva ngamasenti angaphezu kwentengo ephansi.
Amabha esiliva avamile athengiswa endaweni ngokuvamile awawona angobuciko kakhulu, kodwa uma sibheka i-gram, lena ingenye yezindlela ezishibhile zokuthenga isiliva. Labo abathanda ubuciko bazothola amabha anomklamo osezingeni eliphezulu, yize ngokuvamile ebiza kakhulu.
Yebo! I-US Mint inikeza isiliva ngezindlela eziningi, okuhlanganisa izinhlamvu zemali zesiliva ze-numismatic kanye nezinhlamvu zemali ze-bullion.
Uma ungathanda ukuthenga izinhlamvu zemali ze-Silver American Eagle zika-2021 ngqo kwi-Mint, kufanele uxhumane nomthengi ogunyaziwe. I-AP iyona kuphela eyamukela ngqo amabha e-US Silver Eagle avela kwi-US Mint. Lokhu kungenxa yokuthi i-US Mint ayithengisi amabha egolide e-US Silver Eagles ngqo emphakathini.
Ezimweni eziningi, umthengisi wezinhlamvu zemali othembekile uzoba nezingodo zesiliva eziningi ezitholakalayo kune-mint.
Amabhange awavamile ukuthengisa izitini zesiliva. Awusakwazi ukuya ebhange ulindele ukuthola izinhlamvu zemali zesiliva uma uzifuna, njengaseminyakeni yawo-1960, lapho izitifiketi zemali zesiliva ezazisetshenziswa zazisetshenziswa ngqo kule njongo.
Kodwa-ke, ushintshi noma imiqulu yesiliva, amakota, noma isigamu samadola ingatholakala ngezikhathi ezithile emabhodleleni. Ukutholwa okunjalo kuyinto engavamile kakhulu kunokuba kube umthetho. Kodwa abafuna njalo bathole eziningi zalezi zinto ezinenhlanhla ngokufuna izinhlamvu zemali emabhange endawo.
Ukuthenga isiliva esitolo esingokoqobo kuyinqubo elula. Kulezi zimo, kungcono ukuthenga isiliva njalo kumthengisi we-bullion odumile noma kumthengisi wezinhlamvu zemali.
Uma uthenga isiliva ku-inthanethi, unezinketho eziningana. Uhlu lwezivivinyo luvamile, kodwa lawa malungiselelo angakahleleki avame ukuhilela imihlangano engabonakali kanye nengozi yokukhohliswa.
Ungakhetha isayithi lendali eku-inthanethi njenge-eBay. Kodwa-ke, ukuthenga insimbi ku-eBay cishe njalo kusho intengo ephezulu. Lokhu kungenxa yokuthi i-eBay ikhokhisa abathengisi imali eyengeziwe yokufaka izinto ohlwini. Akukho neyodwa yalezi zinketho enikeza indlela elula yokubuyisela noma yokuqinisekisa ubuqiniso besiliva lakho.
Indlela ephephile nelula yokuthenga isiliva ku-inthanethi iwukusebenzisa amawebhusayithi abathengisi bensimbi eyigugu abangochwepheshe. I-Gainesville Coins iyindawo engcono kakhulu yokuthenga isiliva ku-inthanethi ngenxa yokwethembeka kwethu, idumela elihle, isevisi yamakhasimende, amanani aphansi kanye nokukhethwa okubanzi kwemikhiqizo. Ukuthenga izinsimbi eziyigugu ku-inthanethi nge-Gainesville Coins kuyinqubo ephephile nelula.
Sihlala sikulungele ukuphendula imibuzo yakho nokuchaza inqubomgomo yenkampani yethu. Landela izixhumanisi ezingezansi ukuthola ulwazi olwengeziwe nge-Gainesville Coins:
Impendulo incike emigomweni yakho yokutshala imali esiliva. Uma ufuna ukuthenga isiliva ngentengo ephansi kakhulu ngegremu ngayinye, okungcono kakhulu ukuthenga ama-round noma amabha. Izinhlamvu zemali zesiliva ziyindlela engcono kakhulu kulabo abafuna ukuthenga izinhlamvu zemali ze-fiat.
Izinhlamvu zemali zesiliva eziphonswe zimelela uhlobo lokuvumelana. Lezi yizinhlamvu zemali ezivamile ezigugile kakhulu ukuba zinganambitheki kubaqoqi abaningi. Ngakho-ke, zinenani kuphela kuhlamvu lwemali lwesiliva (inani elingaphakathi). Lolu olunye lwezinhlobo zemali zesiliva ezishibhile ongazithenga. Kodwa-ke, usathola izinzuzo zokuthenga amabha emali ye-fiat ngentengo efanelekile kanye nokuguquguquka kwezezimali.
Izindilinga namabha ngokuvamile zinikeza amanani aphansi kakhulu esiliva. Ngakho-ke, zimelela enye yezinketho ezinhle kakhulu maqondana nenani lemali.
Lolu hlobo lwesiliva lunezinzuzo eziningana. Izinhlamvu zemali zingasetshenziswa njengemali yangempela ezimweni eziphuthumayo kanye nethuluzi elihle lokushintshana. Futhi, uma kwenzeka intengo yesiliva iwela ngaphansi kwenani elibonakalayo lohlamvu lwemali, ukulahlekelwa kunqunyelwe enanini elibonakalayo lohlamvu lwemali. Uma uthenga izinhlamvu zemali zesiliva, awulahlekelwa yimali ngokuphelele.
Abaningi banethemba lokuthola umthombo ongadalulwanga, indlela yokuthenga i-bullion engaphansi kwentengo eqondile. Iqiniso liwukuthi ngaphandle kokuthi unomthengisi wezinhlamvu zemali osebenzayo noma umthengisi wezinsimbi eziyigugu, awukwazi ukulindela ukuthola isiliva engaphansi kwentengo eqondile endaweni yokuthengisa.
Abathengisi kabusha bangabathengi abagxile ekuthengiseni ngobuningi. Bangathola isiliva ngokusemthethweni ngentengo ephansi kancane kuneyangempela. Izizathu azinzima kakhulu: uma uqhuba ibhizinisi, kufanele ukhokhe imali eyengeziwe futhi wenze inzuzo encane. Uma ulandela amanani esiliva, uzobona ukuthi ayashintsha njalo ngeminithi. Ngakho-ke, inzuzo ezingeni lokuthengisa ngobuningi kanye nokuthengisa incane kakhulu.
Lokhu akusho ukuthi abathengi abakwazi ukuthenga isiliva ku-inthanethi noma esitolo sabo sezinhlamvu zemali sendawo ngamanani aphezulu kakhulu. Isibonelo kungaba ukuthenga izinhlamvu zemali ezigugile noma ezonakele.
Abathengisi abaningi abathengisa izinhlamvu zemali ezingavamile nabathengisa isiliva nabo bathengisa isiliva. Bangase bafune ukuqoqa amasheya amakhulu ezinhlamvu zemali zesiliva ezonakele ukuze benze isikhala sezinhlamvu zemali zabo zenani eliphakathi kuya kweliphezulu.
Kodwa-ke, uma unesifiso esikhulu sokuthola isiliva eliningi ngangokunokwenzeka ngemali yakho, cishe awufuni ukuthenga izinhlamvu zesiliva ezinephutha. Zingalahlekelwa inani elikhulu lesiliva ngenxa yokuguga noma umonakalo omkhulu.
Ekuphetheni, isisho esidala sokuthengisa sisebenza ekuthengeni isiliva: “Uthola lokho okukhokhelayo!” Uthola ngempela.
Abathengisi abaningi be-bullion nabathengisi abathengisa isiliva ku-inthanethi, komagazini nakuthelevishini benza izitatimende ezinjengalezi. Banikeza umbono wokuthi kukhona ubudlelwano obuqondile obuphambene phakathi kwentengo yesiliva nemakethe yamasheya. Eminyakeni yamuva nje, isiqubulo sabo sokukhangisa besivame ukuba yinto ethi “thenga isiliva manje ngaphambi kokuba imakethe yamasheya yehle futhi intengo yesiliva ikhuphuke.”
Eqinisweni, ukuguquguquka phakathi kwesiliva nemakethe yamasheya akulula kangako. Njengegolide, iplatinum nezinye izinsimbi eziyigugu, isiliva liyisivikelo esihle kakhulu ekulweni nokwehla kwamandla emali noma ezinye izehlakalo ezimbi ezenzeka ngesikhathi sokwehla komnotho futhi ngokuvamile kuholela emananini aphansi emakethe yamasheya.
Noma kunjalo, ngisho noma kwenzeka ingozi, isiliva ayikhuphuki ngokuzenzakalelayo lapho imakethe yamasheya iwa. Lokhu kungabonakala ngokubheka ukunyakaza kwentengo yesiliva ngoMashi 2020 njengoba ubhubhane lwe-COVID-19 luqala ukubhubhisa i-United States. Imakethe yamasheya yehla, yalahlekelwa cishe yi-33% yenani layo ezinsukwini ezimbalwa.
Kwenzekeni ngesiliva? Inani laso lehle kakhulu, lisuka cishe ku-$18.50 i-ounce ekupheleni kukaFebhuwari 2020 laya ngaphansi kuka-$12 maphakathi noMashi 2020. Izizathu zalokhu ziyinkimbinkimbi, ngokwengxenye ngenxa yokwehla kwesidingo sezimboni sesiliva esibangelwe ubhubhane.
Ngakho-ke wenzani uma unesiliva kanye nentengo yesiliva iyehla? Okokuqala, ungesabi. Amanani aqinisekile ukuthi azobuya ngesikhathi esithile, njengoba enza ezinyangeni ezilandela ukwehla okukhulu kwamanani esiliva maphakathi noMashi 2020. Ngisho nalapho izimpahla eziphephile zifunwa kakhulu, kunengozi engaholela ekulahlekelweni kwempahla okufushane - isikhathi eside.
Kodwa futhi kufanele ucabange ngokuthi “thenga okuphansi” ukuze “uthengise okuphezulu”. Uma amanani ephansi, lesi isikhathi esihle sokuthenga. Abatshalizimali abaningi bamasheya abenze lokhu lapho iWall Street yehla ngasekupheleni kukaMashi nasekuqaleni kuka-Ephreli 2020 bajabulele ukubuyiselwa okukhulu kwamasheya ngoMeyi 2020 nangemva kwalokho njengoba imakethe ibuya kabusha.
Ingabe lokhu kusho ukuthi uma uthenga isiliva lapho amanani ephansi, uzothola inzuzo efanayo emangalisayo? Asinalo ibhola eliqinile, kodwa leli cebo lokuthenga livame ukukhiqiza imiphumela emihle kulabo abanesineke nomdlalo omude.
Ngokombono, cishe wonke lawa macebiso angasetshenziswa ekuthengeni izinti zegolide ezibonakalayo noma enye insimbi eyigugu. Kodwa-ke, ngokungafani negolide, isiliva lisetshenziswa ngobuningi embonini.
Isikhathi sokuthunyelwe: Mashi-03-2023
