Ezikhathini ezineziyaluyalu, lapho ukungezwani kwezohwebo kudlondlobala futhi izinqumo zezombangazwe zinyakazisa izisekelo zezimakethe, igolide liphinde libe yingxenye enkulu yezezimali. Ngezintela zakamuva ezibekwe uMongameli wase-US u-Donald Trump, abatshalizimali abaningi sebeqale futhi ukubheka igolide njengotshalomali olunamasu olukwazi ukuvikela impahla yabo ekungaqinisekisweni.
Ukwenyuka kwentela okuholwa nguTrump kudale ukukhathazeka emhlabeni jikelele. Umthelela ezimakethe zamasheya, ezezimali, kanye nezikweletu ezizimele ube mkhulu, igolide lingomunye wabazuzi abakhulu. Ngezansi, sibheka ngokujulile lo mkhuba, sichaza ukuthi kungani abaningi bephendukela egolideni, ukuthi isimo somnotho sithinta kanjani inani lensimbi eyigugu, nokuthi yiziphi izindlela ezikhona zokutshala imali kuyo ngokuphepha.
Igolide njengendawo ephephile lapho kubhekene nesiphepho semalifu
Igolide belilokhu libhekwa njengempahla ephephile, Okusho ukuthi, uhlobo lokutshalwa kwezimali oluvamise ukunakekela noma ukukhulisa inani lalo ngezikhathi zobunzima. Ngokungafani nezinhlobo zemali, amanani azo angaphansi kokulawulwa ohulumeni namabhange amakhulu, igolide lihlukaniswa ngokwemvelo futhi livame ukusabela kahle ezikhathini zokungezwani kwezomnotho noma kwezwe.
Esimeni samanje, amanani entengo abekwe nguTrump, amanye adlula i-100%, zibe nomthelela oqondile emananini amasheya omhlaba, ikakhulukazi emikhakheni yezimboni nezobuchwepheshe. Lokhu kuye kwaphakamisa ukwesaba kokuwohloka komnotho, ukwehla kwamandla emali, kanye nempi entsha yezohwebo neChina, iMexico, iCanada kanye ne-European Union.
Uma kubhekwa lesi simo, Abatshalizimali sebeqalile ukuqhela ezimpahleni eziyingozi njengezitoko ezithile futhi baye bafuna isiphephelo ezinkethweni zokuzivikela okwengeziwe, igolide liyindlela ekhethwayo kwabaningi.
Ukuvela kwentengo yegolide ngo-2025
Kusukela ekuqaleni konyaka, intengo yegolide ifinyelele ku-20,98%. ukufinyelela emazingeni omlando angakaze abonwe ngaphambili. Intengo ye-ounce yeqa u-$3.180 ngo-Ephreli 10, kulandela ukuqinisekiswa kwe-White House kwephakheji elisha lentela e-China.
Lokhu kukhula okusheshayo kube umphumela oqondile we- ukwesaba ukuwohloka komnotho emhlabeni wonke, ukuwa kwedola ngokumelene nezinye izimali eziqinile kanye nokungaqiniseki okusabalele mayelana nokuthi ohulumeni abathintwa intela bazosabela kanjani. Ngaphezu kwalokho, abahlaziyi abaningana baye baveza ukuthi Okulindelekile kokwehliswa kwezinga yi-Federal Reserve yenze igolide lithandeke nakakhulu ngokunciphisa izindleko zethuba lokubamba izikhundla kule mpahla uma kuqhathaniswa namathuluzi enza inzuzo.
E-Europe, isibonelo, igolide (i-XAU/EUR) lifinyelele inani elingaphezu kwama-euro angu-2.900 nge-ounce, liqhutshwa idola elibuthakathaka kanye nesimemezelo sokukhuphuka kwemali yokuvikela amazwe amaningana aseYurophu.
Izizathu zokuthi kungani igolide liqina lapho kubhekwa amanani entengo
Kunezici eziningana ezichaza ukuthi kungani Intengo yegolide ikhuphukile ngemuva kwezindleko zikaTrump:
- Ukungaqiniseki kwezohwebo: Izithiyo ezibekiwe zikhuthaza ukwehla kokuhwebelana komhlaba wonke, okunciphisa ukukhula futhi kuphushe abantu ukuthi bafune izindawo zokuphephela eziphephile.
- Ingozi ye-stagflation: Izintela zinyusa amanani abathengi ngaphandle kokukhula komnotho kwangempela. Lo mongo ngokuvamile uthanda igolide.
- Ukwehla kwedola: Uma intengo ngamadola, i-greenback ebuthakathaka yenza igolide likhange kakhulu kubatshalizimali bamazwe ngamazwe.
- Ukuguquguquka kwamanye amafa: Amasheya, ikakhulukazi amasheya ase-US, alahlekelwe isikhalazo kulandela izinqumo zika-Trump, eziqondise kabusha izimali kugolide.
Indlela yokuthenga igolide njenge-investment
Ukutshala imali egolide kungenziwa ngezindlela eziningi, Kodwa akuzona zonke ezilinganayo mayelana nokuphepha, ukukhululeka noma inzuzo. Amafomu amabili avame kakhulu yilezi:
- Ukuthenga okungokoqobo: ukuthenga ingots yegolide noma izinhlamvu zemali ngokusebenzisa abathengisi abagunyaziwe. Lolu khetho lunikeza ukulawula okuqondile phezu kwensimbi, kodwa futhi kudinga ukunakekelwa okukhulu ekugcineni kwayo.
- Ukuthenga ngokwezimali: finyelela igolide ngemikhiqizo yezezimali efana nama-ETF (izimali ezihweba ngokuhwebelana), amasheya enkampani yezimayini, noma okuphuma kokunye. Iwuketshezi kakhulu futhi kulula ukuyiphatha, kodwa ayibandakanyi ukuba negolide ngokomzimba.
Kunoma yikuphi, Kubalulekile ukuqinisekisa ubuqiniso begolide elithengiwe. Uma kukhulunywa ngebhiliyoni, kumele babe nezitifiketi ezifana nesitifiketi Sokulethwa Okuhle kwe-London Bullion Market Association (LBMA), esicacisa ubumsulwa bensimbi, umkhiqizi, inombolo ye-serial, nesisindo esiqondile. Lokhu kuyasebenza nalapho uthenga igolide ku-inthanethi, lapho kufanele uqinisekise ukuthi umthengisi uqinisekisiwe.
Indlela yokugcina igolide ngokuphepha
Ukugcinwa kwegolide eliphathekayo kungenye yezinto ezikhathaza kakhulu kulabo abanquma ukutshala imali ngokuthenga okuqondile kwe-bullion.
Kunezindlela eziningi ongakhetha kuzo futhi ngayinye inezinzuzo nezingozi zayo:
- Ikhaya eliphephile: isisombululo esivamile, nakuba sisengozini yokwebiwa.
- Amabhokisi ediphozithi aphephile ebhange: ukuvikeleka okukhulu, kodwa kuhilela izindleko ezengeziwe kanye nokufinyeleleka okuncane.
- Izinkampani ezigcina izinsimbi eziyigugu: Lezi zinkampani zihlinzeka ngezinsizakalo zochwepheshe zokulondoloza i-vault, ezihlinzeka ngokuthula kwengqondo kubatshalizimali, nakuba beshintshana ngemali.
Kukhona futhi izinketho ezixubile, njengokuthenga igolide elingakaze lamukelwe ngokoqobo, kodwa eligcinwa futhi lifakwe umshwalense egameni lomthengi endaweni engaphansi eqinisekisiwe. Lo mkhuba uvamile kumapulatifomu edijithali akhethekile.
Ingabe zikhona izingozi zokutshala imali egolideni?
Njenganoma yikuphi ukutshalwa kwezimali, igolide libuye libe nezingozi. Nakuba umlando wayo umuhle ngezikhathi zobunzima, ayikhululekile ekuguquguqukeni, ikakhulukazi esikhathini esifushane. Inani layo lithonywa izinqumo zezombusazwe, umnyakazo wemali, inqubomgomo yezimali yomhlaba wonke, kanye nokuhlinzekwa kwemakethe kanye nesidingo.
Ngaphezu kwalokho, endabeni yegolide elibonakalayo:
- Izindleko ezengeziwe: njengezokuthutha, ukugcinwa kanye nomshwalense kunganciphisa inzuzo.
- Ukuntuleka kokumiswa kwentengo yokubuyisela emuva: kungase kubangele ukuthi umtshali-zimali athole okuncane ngegolide lakhe kuye ngokuthi ngendawo ayisebenzisayo ukuyithengisa.
Nokho, uma kuqhathaniswa nezinye izinhlobo zezimpahla eziguquguqukayo kakhulu, Igolide lihlala liyindlela ebalulekile yokuzivikela enkathini yezomnotho engazinzile.
Enye impahla yegolide ngezikhathi zobunzima
Kanye negolide, kunezinye izimpahla abahlaziyi abazicabangela izinketho zokuzivikela kumongo ofana nowamanje:
- Ibhondi ye-Treasury: ngokwesiko kubhekwa njengokuphephile, nakuba kulesi senzakalo ukusebenza kwabo bekungazinzile ngenxa yombono wengozi mayelana nesikweletu sase-US. Lesi sikweletu size salinganiswa nesamazwe asafufusa ngenxa yokwenyuka kokushoda kwezimali.
- Imali engenayo engaguquki yesikhashana: njengezikweletu ze-Treasury yaseJalimane, ezinikeza isivuno esingu-2% ezinyangeni ezi-3.
- Izinsiza noma izinkampani ezivikelayo: Izinkampani ezifana ne-Iberdrola, i-Endesa, ne-Naturgy zithathwe njengeziqinisi eziqinile ngezikhathi zokwehla kwezimakethe zamasheya ngenxa yokuchayeka kancane ekuhwebeni komhlaba wonke kanye nemodeli yazo yemali engenayo eqinisekisiwe.
- Izenzo zomkhakha wezempilo noma wezokwelapha: Bavame ukumelana nezikhathi zokucindezeleka kahle ngenxa yemvelo ebalulekile yemikhiqizo yabo.
- Izinhlobo zemali eziphephile: njenge-Swiss franc noma i-yen yaseJapane, okuyinto ngokomlando ekwazisayo lapho kubhekene nokungazinzi komhlaba.
Futhi kuthiwani ngama-cryptocurrencies?
Ama-Cryptocurrencies anconywe ngabatshalizimali abathile njengenye indlela yesimanje kunegolide. Nokho, ukuguquguquka okukhulu nokuntuleka kokulawula okucacile Lokhu kwenza ochwepheshe abaningi bangabancomi njengendawo yokuphephela ezimeni ezifana nalesi samanje.
I-Bitcoin iziphatha ngendlela efanayo nakuma-tech stocks. Eqinisweni, ukusebenza kwayo kwakamuva kubonise ukunyakaza kwe-Nasdaq ngaphezu kwalokho kwegolide, ngakho angeke kuthathwe njengokuthatha indawo eqondile yensimbi eyigugu mayelana nokuphepha noma ukuzinza.
Umthelela wezintela kumnotho omkhulu womhlaba
Umthelela wezintela zikaTrump uzwakale ngale kwezimakethe zezimali. Ochwepheshe abaningana balinganisela lokho Ukwenyuka okumaphakathi kwamazinga entela e-US cishe kungama-31%., okungase kuholele ekwehleni kwe-GDP yezwe ngo-1,5% kanye nokwenyuka kwamandla emali angaphezu kwe-1%.
Lokhu kuye kwaphakamisa izinsongo ezikhungweni zezimali zomhlaba wonke, esezivele zicubungula ukwehliswa kwamanani okwengeziwe kanye nezinqubomgomo zokuvuselela ezingaba khona ukulwa nemithelela emibi. Ngokuhambisanayo, ukwesaba ukuziphindiselela kwamanye amazwe kungase kwenze isimo sibe sibi nakakhulu futhi kuholele ekuwohlokeni komnotho womhlaba.
Ngaphezu kwalokho, ukuziphatha okungalungile kwedola uma kuqhathaniswa nezinye izinhlobo zemali kuqinisa futhi inzalo egolideni futhi kwenza buthaka isidingo sesikweletu sase-US. Kulesi simo, i-China ike yacabanga nokunciphisa imali egciniwe yebhondi ye-Treasury, okungase kube nzima ukuxhasa ngezimali e-US esikhathini esimaphakathi.
Yini elindeleke egolideni ezinyangeni ezizayo?
Abahlaziyi abaningi bayavumelana nalokho intengo yegolide ingase iqhubeke ikhuphuka uma ukungezwani kwezohwebo kuqhubeka futhi uma i-Federal Reserve iqinisekisa ukuncishiswa kwezinga okwengeziwe. Igolide lingafinyelela amarekhodi amasha uma impi yentela idlondlobala futhi umnotho ungena ekuwohlokeni komnotho.
Nokho, uma kufinyelelwa esivumelwaneni sokuhwebelana phakathi kwamandla amakhulu, Igolide cishe lizolungisa ezinye zezinzuzo zalo.. Ngakho-ke, ochwepheshe batusa ukuqapha ngokucophelela intuthuko yezombangazwe e-U.S. kanye nezinqumo zamabhange amakhulu ngaphambi kokwenza izinqumo ezinqala zokutshala izimali.
Kungakhathaliseki ukuthi yini umphumela, okubonakala kucacile yilokho Igolide liphinde lathatha indima ehamba phambili kuma-investment portfolio.. Ukuziphatha kwabo kuzoqhubeka nokuba yi-thermometer yokwesaba ezimakethe.