Ngamaxesha eziphithiphithi, xa ukruthakruthwano lusanda kwaye nezigqibo zezopolitiko zishukumisa iziseko zeemarike, igolide iphinda ithathe indawo ephambili kwimeko yezemali. Ngemirhumo yakutsha nje ebekwe nguMongameli wase-US uDonald Trump, abatyali-mali abaninzi baqale kwakhona ukuthathela ingqalelo igolide njengotyalo-mali olunobuchule olukwaziyo ukukhusela i-asethi yabo kukungaqiniseki.
Ukunyuka kwerhafu okukhokelwa nguTrump kubangele inkxalabo yehlabathi. Impembelelo kwiimarike zemasheya, iimali, kunye namatyala azimeleyo abaluleke kakhulu, kwaye igolide ingomnye wabaxhamli abaphambili. Ngezantsi, sijonga ngokunzulu kulo mkhwa, sichaza ukuba kutheni abaninzi bephendukela kwigolide, indlela imeko yezoqoqosho echaphazela ngayo ixabiso lentsimbi exabisekileyo, kwaye zeziphi iindlela zokutshala imali kuyo ngokukhuselekileyo.
Igolide njengendawo ekhuselekileyo ebusweni boqhwithela lwamaxabiso
Igolide ibisoloko ithathwa njenge-asethi ekhuselekileyo, Oko kukuthi, uhlobo lotyalo-mali olukholisa ukugcina okanye ukwandisa ixabiso lalo ngamaxesha obunzima. Ngokungafaniyo neemali, ezixabiso lazo liphantsi kolawulo loorhulumente kunye neebhanki ezingoovimba, igolide yahlulwa ngokwendalo kwaye idla ngokusabela kakuhle kumaxesha oxinzelelo lwezoqoqosho okanye lwelizwe.
Kwimeko yangoku, amaxabiso abekwe nguTrump, amanye adlula i-100%, zibe nefuthe elithe ngqo kumaxabiso esitokhwe sehlabathi, ngakumbi kumacandelo oshishino kunye nobuchwepheshe. Oku kuye kwaphakamisa uloyiko lokudodobala koqoqosho, ukuhla kwamandla emali, kunye nemfazwe entsha yorhwebo neTshayina, iMexico, iKhanada kunye neManyano yaseYurophu.
Ndijongene nale meko, Abatyali-mali baye baqala ukusuka kwii-asethi ezinobungozi njengezitokhwe ezithile kwaye baye bafuna indawo yokusabela kwiinketho ezingakumbi zokukhusela, kunye negolide ibe yinto ekhethiweyo yabaninzi.
Ukuvela kwexabiso legolide ngo-2025
Ukususela ekuqaleni konyaka, ixabiso legolide liye laxabisa i-20,98%, ukufikelela kumanqanaba embali angazange abonwe ngaphambili. Ixabiso le-ounce ligqithise i-$ 3.180 ngo-Ephreli 10, emva kokuqinisekiswa kwe-White House kwipakethe entsha yeerhafu e-China.
Oku kukhula kukhawulezileyo kube sisiphumo esithe ngqo se uloyiko lokudodobala koqoqosho lwehlabathi, ukuwa kwedola ngokuchasene nezinye iimali ezinamandla kunye nokungaqiniseki okuxhaphakileyo malunga nokuba oorhulumente abachatshazelwa ngamaxabiso baya kusabela njani. Ukongeza, abahlalutyi abaninzi baye babonisa ukuba Ulindelo lokuthotywa kwezinga yi-Federal Reserve wenze igolide ibe nomtsalane ngakumbi ngokunciphisa iindleko zethuba lokubamba izikhundla kule asethi xa kuthelekiswa nezixhobo ezenza inzala.
EYurophu, umzekelo, igolide (i-XAU / EUR) ifikelele kwixabiso elingaphezu kwe-2.900 ye-euro nge-ounce nganye, eqhutywa yidola ebuthathaka kunye nokubhengezwa kwenkcitho yokukhusela eyongeziweyo kumazwe amaninzi aseYurophu.
Izizathu zokuba kutheni igolide isomelela phambi kweentlawulo
Kukho izinto eziliqela ezichaza isizathu Ixabiso legolide linyukile emva kweentlawulo zikaTrump:
- Ukungaqiniseki kwezorhwebo: Imiqobo ebekiweyo ikhuthaza ukucotha kurhwebo lwehlabathi, olunciphisa ukukhula kwaye lutyhalele abantu ukuba bafune iiasethi ezikhuselekileyo.
- Umngcipheko we-stagflation: Amaxabiso anyusa amaxabiso abathengi ngaphandle kokukhula koqoqosho lokwenyani. Lo mxholo udla ngokuthanda igolide.
- Ukuncipha kwedola: Xa ixabiso leedola, i-greenback ebuthathaka yenza igolide ibe nomtsalane ngakumbi kubatyali-mali bamazwe ngamazwe.
- Ukuguquguquka kwezinye ii-asethi: Izabelo zamashishini ezingenanzala emisiweyo, ngakumbi izabelo zamashishini ezingenanzala emisiweyo zase-US, ziphulukene nesibheno emva kwezigqibo zikaTrump, othe wathumela imali kwigolide.
Indlela yokuthenga igolide njengotyalo-mali
Utyalo-mali kwigolide lunokwenziwa ngeendlela ezininzi, Kodwa asingabo bonke abalinganayo ngokokhuseleko, ukukhululeka okanye ingeniso. Iifom ezimbini eziqhelekileyo zezi:
- Ukuthenga ngokwasemzimbeni: ukuthenga iingots zegolide okanye iinkozo ngokusebenzisa abathengisi abagunyazisiweyo. Olu khetho lunikeza ulawulo oluthe ngqo kwintsimbi, kodwa lufuna ukunakekelwa okukhulu kwisitoreji sayo.
- Ukuthenga ngemali: ukufikelela kwigolide ngeemveliso zemali ezifana nee-ETF (iimali ezitshintshiselwaneyo), izabelo zenkampani yemigodi, okanye izinto eziphuma kuyo. Imanzi kakhulu kwaye kulula ukuyilawula, kodwa ayibandakanyi ukuba negolide ngokwasemzimbeni.
Ngayiphi na imeko, Kubalulekile ukuqinisekisa ubunyani begolide ethengiweyo. Xa kuziwa kwi-bullion, kufuneka babe nezatifikethi ezifana ne-London Bullion Market Association (LBMA) isatifikethi sokuThuthwa okuLungileyo, esichaza ukucoceka kwesinyithi, umenzi, inombolo ye-serial, kunye nobunzima obuchanekileyo. Oku kusebenza kwakhona xa kuthengwa igolide kwi-intanethi, apho kufuneka uqinisekise ukuba umthengisi uqinisekisiwe.
Indlela yokugcina igolide ngokukhuselekileyo
Ukugcinwa kwegolide ebonakalayo yenye yezona zinto zixhalabisayo kwabo bathatha isigqibo sokutyala imali ngokuthengwa ngokuthe ngqo kwe-bullion.
Kukho iindlela ezininzi zokukhetha kwaye nganye ineengenelo kunye nobungozi bayo:
- Ukhuseleko lwasekhaya: isisombululo esiqhelekileyo, nangona sisengozini yobusela.
- Iibhokisi zebhanki ezikhuselekileyo: ukhuseleko olukhulu, kodwa lubandakanya iindleko ezongezelelweyo kunye nokufikeleleka okuncinci.
- Iinkampani zokugcina iintsimbi ezixabisekileyo: Ezi nkampani zibonelela ngeenkonzo zogcino lwevault yobuchwephesha, zibonelela ngoxolo lwengqondo kubatyali-mali, nangona betshintshiselana ngentlawulo.
Kukwakho nokhetho oluxutyiweyo, olufana nokuthenga igolide engazange ifunyanwe ngokwasemzimbeni, kodwa igcinwe kwaye ikhuselwe kwi-inshurensi yegama lomthengi kwivault eqinisekisiweyo. Lo mkhuba uqhelekile kumaqonga akhethekileyo edijithali.
Ngaba kukho nayiphi na imingcipheko kutyalo-mali kwigolide?
Njengalo naluphi na utyalo-mali, igolide nayo inomngcipheko. Nangona irekhodi layo lilungile ngamaxesha obunzima, ayikhululekanga ekuguquguqukeni, ngakumbi kwixesha elifutshane. Ixabiso layo liphenjelelwa zizigqibo zezopolitiko, ukuhanjiswa kwemali, umgaqo-nkqubo wezemali wehlabathi, kunye nokubonelela ngeemarike kunye neemfuno.
Ngapha koko, kwimeko yegolide ebonakalayo:
- Iindleko ezongezelelweyo: ezifana nezothutho, ukugcinwa kunye ne-inshorensi inokunciphisa ingeniso.
- Ukunqongophala komgangatho wexabiso lokuthenga kwakhona: kunokubangela ukuba umtyali-mali afumane ngaphantsi kwegolide yakhe ngokuxhomekeke kwiqonga abalisebenzisayo ukuyithengisa.
Nangona kunjalo, xa kuthelekiswa nezinye iintlobo ze-asethi eziguqukayo, Igolide ihlala iyindlela ebalulekileyo yokukhusela kwixesha lezoqoqosho elingazinzanga.
Ii-asethi ezizezinye kwigolide ngamaxesha obunzima
Kunye negolide, kukho ezinye ii-asethi abathi abahlalutyi bacinge ngeendlela zokuzikhusela kumxholo ofana nalo wangoku:
- I-Treasury bond: ngokwesiko ithathwa njengekhuselekile, nangona kwesi sihlandlo ukusebenza kwabo bekungazinzanga ngenxa yembono yomngcipheko malunga netyala lase-US. Eli tyala lide lalinganiswa nelamazwe asahlumayo ngenxa yokwanda kwentsilelo yemali.
- Umvuzo osisigxina wexesha elifutshane: njengeebhilikhwe ze-treasury yaseJamani, ezibonelela nge-2% isivuno kwiinyanga ezi-3.
- Izinto eziluncedo okanye iinkampani ezikhuselayo: Iinkampani ezifana ne-Iberdrola, i-Endesa, kunye ne-Naturgy ziye zajongwa njengezoqinisekiso eziluqilima ngamaxesha okuhla kwemarike yemasheya ngenxa yokuvezwa okuphantsi kwabo kurhwebo lwehlabathi kunye nemodeli yabo yengeniso eqinisekisiweyo.
- Izenzo zecandelo lezempilo okanye lamayeza: Baye bamelane namaxesha oxinzelelo kakuhle ngenxa yendalo ebalulekileyo yeemveliso zabo.
- Iimali zokhuseleko: ezifana ne-Swiss franc okanye i-yen yaseJapan, exabisa ngokwembali phezu kokungazinzi kwehlabathi.
Kwaye kuthekani nge-cryptocurrencies?
Ii-Cryptocurrencies ziye zanconywa ngabatyali-mali abathile njengenye indlela yanamhlanje yegolide. Nangona kunjalo, ukuguquguquka okugqithisileyo kunye nokungabikho kolawulo olucacileyo Oku kwenza ukuba iingcali ezininzi zingacebisi njengendawo yokusabela kwiimeko ezifana nale yangoku.
I-Bitcoin iziphatha ngendlela efanayo kwi-tech stocks. Ngapha koko, ukusebenza kwayo kwamva nje kubonakalise iintshukumo zeNasdaq ngaphezulu kwezo zegolide, ke ayinakuthathwa njengebambela ngokuthe ngqo yentsimbi exabisekileyo ngokwemiqathango yokhuseleko okanye uzinzo.
Ifuthe leentlawulo kuqoqosho olukhulu lwehlabathi
Impembelelo yerhafu kaTrump ivakale ngaphaya kweemarike zemali. Iingcali ezininzi ziqikelela ukuba Umyinge wokunyuka kwamaxabiso e-US ujikeleze i-31%., nto leyo enokukhokelela ekwehleni kwe-1,5% kwi-GDP yelizwe kunye nokunyuka kwexabiso lentengo elingaphezu kwe-1%.
Oku kuye kwaphakamisa iintsimbi ze-alamu kumaziko emali ehlabathi, asele eqwalasela ukucutha izinga elongezelelweyo kunye nemigaqo-nkqubo yokuvuselela enokwenzeka ukuchasana nemiphumo emibi. Ngaxeshanye, uloyiko lokuziphindezela kwamanye amazwe inokwenza imbonakalo ibe mandundu ngakumbi kwaye ikhokelele ekudodobaleni koqoqosho lwehlabathi.
Ngaphaya koko, ukuziphatha kakubi kwedola xa kuthelekiswa nezinye iimali zomeleza ngakumbi inzala kwigolide kwaye kwenza buthathaka nemfuno yetyala lase-US. Kule meko, i-China ide yacinga ukunciphisa i-Treasury bond reserves, enokuthi iqhube nzima ngakumbi kwinkxaso-mali yase-US kwixesha eliphakathi.
Yintoni elindelekileyo kwigolide kwiinyanga ezizayo?
Abahlalutyi abaninzi bayavumelana noko ixabiso legolide lisenokuqhubeka nokunyuka ukuba uxinzelelo lwezorhwebo luyaqhubeka kwaye ukuba i-Federal Reserve iqinisekisa ukucuthwa kwereyithi ezongezelelweyo. Igolide inokufikelela kwiirekhodi ezintsha ukuba imfazwe yerhafu iyakhula kwaye uqoqosho lungena ekudodobaleni.
Nangona kunjalo, ukuba isivumelwano sorhwebo phakathi kwamagunya amakhulu sifikelelwe, Igolide kusenokwenzeka ukuba ilungise ezinye zeenzuzo zayo.. Ngoko ke, iingcali zincoma ngokusondeleyo uphuhliso lwezopolitiko e-US kunye nezigqibo zeebhanki eziphambili ngaphambi kokuba zenze izigqibo zotyalo-mali.
Nokuba siyintoni na isiphumo, into ebonakala icacile yeyokuba Igolide iphinde yathatha indima ephambili kwiipotifoliyo zotyalo-mali.. Ukuziphatha kwabo kuya kuqhubeka nokuba yi-thermometer yoloyiko kwiimarike.