Ngaba iGolide luTyalo-mali oluLungileyo?

“Nge-asethi efana negolide, umzekelo, uyazi, ngokusisiseko igolide yindlela yokuhamba ixesha elide uloyiko, kwaye ibiyindlela entle yokuhamba ixesha elide kuloyiko amaxesha ngamaxesha. Kodwa ngokwenene kufuneka unethemba lokuba abantu bayoyika ngakumbi ngonyaka okanye kwiminyaka emibini kunokuba kunjalo ngoku. Kwaye ukuba bayoyika ngakumbi wenza imali, ukuba bayoyika kancinci ulahlekelwa yimali. Kodwa igolide ngokwayo ayivelisi nto ”- uWarren Buffett

Igolide kufuneka ithathelwe ingqalelo njengothango ngokuchasene nokunyuka kwamaxabiso ngokubanzi, indawo yokugcina amandla okuthenga, uthango ngokuthe ngqo kwimali ye-fiat, okanye isithuthi esithengisayo kunoko kuthathwa njengotyalo-mali lwemveli. Utyalomali olulungileyo lonyuka kwixabiso ngokukhula kwexabiso nokuba kukukhula kweshishini, ukukhula kwesahlulo, okanye isivuno esikhulayo. Igolide ayiqulathanga nanye kwezi mpawu zemveli zotyalo-mali olulungileyo yiyo loo nto isitokhwe sihlala silolona tyalo-mali luthandwayo ngokwesiko ngokusekwe ekukhuleni kwabo.
Phakathi kukaJanuwari 1971 noDisemba 2019, igolide yayinembuyekezo yonyaka ye-10.61%.

Imbuyekezo yexesha elide kwigolide engalungelelaniswanga ngamaxabiso emali, eyona mbuyekezo yonyaka, isantya sokukhula sonyaka; (CAGR) ukusuka ngo-1972 ukuya ku-2020 yayiyi-7.9% yegolide.
Ngaba igolide lutyalo-mali olulungileyo? Oko kuxhomekeke kwinto ozama ukuyifeza.

Igolide inokuba yinto entle ukuyithenga ukuba ufuna ukuguqula imali yakho ye-fiat ibe ziimpahla ukugcina ixabiso lenkunzi yakho ukuba uxhalabile ngemali yelizwe lakho ngenxa yomngcipheko wezopolitiko.
Igolide inokuba yindawo elungileyo yokutyala imali ukugcina amandla akho okuthenga ngaphezulu kwexesha elide xa kuthelekiswa nokushiya imali kwiakhawunti yokonga.
Igolide inokuba yinxalenye yesicwangciso sotshintsho kwipotfoliyo yotyalo-mali sesichengeni esithile kwimpahla yorhwebo.
Ingxowa mali yokurhweba ngokutshintshiselana ngegolide i- $ GLD inokuba kuluhlu lwakho lokujonga ukwahluka njengenxalenye yenkqubo epheleleyo yokuthengisa impahla.
Ixesha elizayo ngegolide i-GC inokuba yinxalenye yendlela epheleleyo yokulandela inkqubo yorhwebo usebenzisa ikamva.
Iingqekembe zegolide ezinqabileyo zinokwahlula utyalomali lwakho kwimarike entsha.
Igolide inokuba yindawo ekhuselekileyo ngamaxesha oloyiko olukhulu njengoko ingoyena moya wokubalekela kukhuseleko xa abantu besoyika intengiso yebhere kwizabelo, ukunyuka kwamaxabiso aphezulu, okanye imeko embi yezoqoqosho.
Indlela engathanga ngqo yokutyala igolide kukuthenga izitokhwe zemigodi yegolide ekhokelayo njengoko olo lutyalo-mali kwinkampani enomvuzo ohambelana nexabiso legolide kunye nemisebenzi yayo.
Ubucwebe begolide yenye yeendlela zokunxiba kunye nokonwabela utyalo-mali lwakho kwigolide.
I-bullion yegolide yindlela yotyalo-mali kwigolide ebonakalayo kodwa kufuneka igcinwe kweyona ndawo ikhuselekileyo njengoko unokuba semngciphekweni wobusela be-asethi yakho emva kokuba uyifumene.
“Kombiwa igolide emhlabeni e-Afrika, okanye kwenye indawo. Emva koko siyayinyibilikisa, simbe omnye umngxunya, siphinde siwungcwabe kwaye sihlawule abantu ukuba beme bewujongile. Ayinanto iluncedo. Nabani na obukele kuMars wayezikrwempa. ” -Warren Buffett