Iidipozithi zegolide: omsebenzi osemqoka, iimeko, izinto kunye neziphakamiso

Iinketho for imali ubunzima imali ekhoyo. Kunye stock kunye lwemali Iimarike yingozi, imali efanayo, kukho kwakhona iidipozithi bank umngcipheko-free, iziqinisekiso imali. amaziko abolekisa ngemali kwakhona ukunika abathengi babo iminikelo ibe igolide.

iintlobo

akhawunti Metal zahlulwe iintlobo ezimbini: ingxelo eluvalelweni kunye akhawunti metal ezingabiwanga. Kwimeko yokuqala, abantu bendalo ukuthenga bullion ngegolide, kwaye edlulisela ukuba evenkile ukuba ebhankini. Kwimeko yesibini, imali eyenziwe apha kwi intsimbi ebonakalayo. utshintsho ixabiso imali kwakunye nezinga yegolide.

ukuthenga bullion

Olu hlobo lotyalo-mali ihamba kunye nokubhaliswa amaxwebhu. Ngokukodwa, umthengi isiqinisekiso isatifikethi (£ 377-a.), Esicacisa yonke ingcaciso malunga investment: Inani bars, ubunzima babo, loo manqaku isampuli, ixabiso ounce nganye. Ukuthengisa kwi etshe elizayo kunokuba kuphela kubonelelo lolu irisithi. Loo nto inika umdla imarike Russian ayikho zonke iibhanki ababandakanyekayo ekuthengisweni etshe, abathengi bethenga metal. Ngaphezu koko, ukuthengiswa metal yebhanki "umbhalo" kufuna ubungqina bobunini (itikiti efanayo 377-K). Nangona le meko ayikho ebaluleke kangaka. E Ukraine, umzekelo, iibhanki othenga bullion "ephosakeleyo," kwi isaphulelo ka-20-30%. Olu didi lubandakanya iintsimbi ukuba yimibhalo egameni yebhanki leyo.

iimpawu

Le etshe kufuneka ngokufanelekileyo kwaye zigcinwa. Shiya bar ikhaya akukhuselekanga noko, yaye kuba yonke ibhanki ilungele ukuthenga ibha "amazwe". Kuba bank indawo yokugcina uya lokubiza imali eyongezelelweyo. Kuprintwa, Isipha, ngoko nangoko imikrwelo ukunciphisa indleko kwimveliso xa ukuthengisa. Ubukho iziphene esinzulu kuba unobangela nokwala ukuthenga.

Ukugcina imivalo kufuneka ngeplastiki okanye umqulu blister zeplastiki. Kufuneka kwakhona nangoko ukufumanisa ukuba uhlobo ukuphakheja kuthenga / ukuthengisa iimpembelelo yesinyithi. Ezinye iibhanki afumane bullion kuphela ukuphakheja yokuqala. Ukonakala upakisha kwakhona uvelisa ekuncipheni kwixabiso ingot. Ngokutsho kubananisi, kulo mzekelo, intsimbi ulahlekelwa isibheno yayo. Ezi bank bullion uya kwala ukwamkela, njengoko umba ukuphunyezwa ngakumbi ebangela ezininzi iingxaki. Nangona amanye amaziko kule meko abantu bathenga bullion kwi amaxabiso ezilahliweyo.

Iidipozithi ngegolide abayi-inshorensi. Kwimeko ungonakala umxhamli akayi kuba nako ukubuyela iimali zabo kwiziko lemali.

Xa uthenga nokuthengisa bullion kuya kufuneka ukuba uhlawule i-VAT. Ukuba ixabiso evela kwintengiso iya kukhula ezikhundleni luhamba ngesantya esincomekayo, kwiminyaka embalwa ukusuka ingeniso ngokuthengisa iya kuhlawula ilahleko evela irhafu ezingahlawulwanga. Gcina irhafu zingathengwa imali yesinyithi. ixabiso labo kuxhomekeke kungekhona kuphela ixabiso intsimbi, kodwa uphindo ngamazwe kunye amazinga otshintshiselwano. Utyalo-mali eziinkozo eziyingenelo ngaphezu metal.

ukwanda

Kucacile ukuba ixabiso ukuthenga nokuthengisa ngentsimbi ziya kwahluka. Sandile benene kwimarike kunokuba 13%. Kodwa kukhuphiswano kwicandelo logcino. Ngoko ke, umahluko ixabiso nga kuma-30%. Ixabiso lokuthenga, echasene intsomi ethandwayo, eRashiya ayahlukanga lukhulu nesandi sidlalwe target. Umahluko 2-3%.

ixabiso bullion kwakhona kuchaphazela ukufumaneka edume esemgangathweni: Argor, Degussa, Umicore. Le Isitampu makangqinisise isampula kwaye kuchonga umvelisi. Le yokugqibela ibhekisa abathengisi yenkampani ukusulungekiswa recognised institution of London amatye anqabileyo emarikeni. Le igama has 25 zenkampani 60 ehlabathini. Ubume eklasini liphezulu unika London Market Association (LBMA).

CHI

CHI - enye indlela emarikeni stock. Umthengi uthenga intsimbi oluxabisekileyo ebonakalayo. Zonke iinkcukacha utyalo-mali kubonakaliswa kwi-akhawunti ezingabiwanga. Umnini unakho ukwenza inzuzo evela zokuthengiswa 'bullion "okanye ngohlobo inzala kwimali idiphozithi. Ibhanki ithumela umthengi esezandleni zakho ayilo otyhidiweyo, kwaye namaxwebhu engqina ilungelo lobunini. Igalelo senziwa hayi ngemali kodwa grams. Kunye nenqubo eyiyo imali igalelo ngegolide lonyaka ukuzisa ukuya kwi-50% yenzuzo. Kodwa kufuneka ingqalelo kuphela xa umdla ebhankini, kodwa ukuhlalutya imarike ngokuzimeleyo.

Le bokuqonda mali

Okokuqala, kufuneka ukhethe uhlobo lwe akhawunti. Kubhetele ukuba ukuvula iidipozithi fixed ngegolide ngomdla kunesiqhelo. Nokuba ixesha lokubalwa ixabiso ikhontrakthi ngokuba intsimbi liya kukhula ngamandla, ungasoloko angasiphelisa isivumelwano, ukulahlekelwa yinxalenye umdla.

Iipesenti NGOBUCHULE subject (13%). Ukuba umthengi ayichole igalelo kwi yimali eziinkozo, imisebenzi arhente irhafu ekubaleni imali kunye nokudluliselwa kwemali kwi-mali ithatha phezu ibhanki ngokwayo. Ukuba umxhasi ukhetha i bar metal, ngoko nguye yedwa oya kufuneka ufake iphetshana lokubuyiswa kwerhafu ze ahlawule intlawulo.

Iidipozithi Savings ngegolide

Eyokuqala kwimarike Russian baqalisa ukunikela iminikelo CHI Sberbank. Ngelo xesha, intengiso igolide, isiliva kunye platinum imivalo zemilinganiselo ezahlukeneyo (1 gram ku 1 kg). Imfuno kuba but is ihlelo elincane phezulu kangangokuba bullion nje akwanelanga.

Kwaye namhlanje iziko inkulu zemali kweli lizwe kwaye libonelela ngeenkonzo kuvulwa kunye nokulondolozwa akhawunti yesinyithi. Imali e Savings Bank inika igolide hayi kuzo zonke iingingqi kunye namasebe. Ngoko ke into yokuqala ufuna ukufumana kwi-website ye-isebe lebhanki, leyo isebenza kunye MLA. Kuba kube sekuphelisweni umthengi kufuneka anike isivumelwano sabo yokundwendwela.

Sberbank igolide (idipozithi sisinyithi) iyasebenza xa kusenziwa izicelo esekhompyutheni evela kwinkqubo yogcino Internet. Kuba ubhaliso lwalo kufuneka ukuba ungene kwi-akhawunti yakho, yiya kwicandelo le "Iidipozithi", khetha u- "Vula i akhawunti", ecacisa uhlobo 'engenabuntu. " Xa inyathelo elilandelayo kufuneka ukhethe uhlobo ngesinyithi, ucacise ubunzima kunye nenombolo ye-akhawunti ukuba imali ithathwa. Ngoko ke phezu Internet uthwala Sberbank negalelo ngegolide. Le khosi wangena ngokuzenzekelayo isekelwe iikowuteshini. Ukuze uqinisekise isicelo kufuneka unqakraze ku "Open" iqhosha, khangela iinkcukacha zichanekile yaye "Qinisekisa" inkangeleko. Lawula akhawunti yakho, ungasebenzisa kwakhona ngokusebenzisa amaLungu Area.

Ixabiso le iidiphozithi metal

Umlinganiselo zegolide namhlanje, yaye naliphi na ixesha elidlulileyo zinokujongwa kwiwebhusayithi ye-Bank. Ukwenza oku kwiphepha engundoqo, kufuneka ukhethe "iNtekelelo" ixabiso "Metals" kwaye ucacise ixesha umdla. Unakho ukubona yokugcina ukuba uyafuna. Inzala ibhanki a akanakuhlawulisa MLA. Gain kwakheka ngenxa amaxabiso yesinyithi.

buhle

• Phantse akukho iidipozithi metal enganeno. Gold kwixesha elide kwandisa ngokwexabiso. Imfuneko yolu tyalo-mali kwanda kakhulu ngamaxesha obunzima. Abantu bezama ukulondoloza imali eziyintlanganisela ngokutyala nabo kwizixhobo zemali ekhuselekileyo.
• Xa ukuvala i-akhawunti lomxhasi ukufumana bar ngegolide okanye ixabiso igalelo ngokwalo imali. Kodwa kulo mzekelo kuya kufuneka uhlawule VAT kwi-mali ka-18% ye-mali sedipozithi.
• On inzuzo eziqhelekileyo eyenziwe ngexesha ukukhula kwamaxabiso.
• Intengiselwano of ukuthenga nokuthengisa senziwa washona, kungekho nayiphi na imisebenzi ezongezelelweyo. Sokuvula nokulondoloza i-akhawunti ngaphandle kwentlawulo.
• Vula i akhawunti angase minor ummi (ukuya kwiminyaka eli-14 - ngemvume yomzali okanye umgcini).

Iibhanki ezifundisa iidipozithi ngegolide, ukuze eve ubunzima enye kuphela uhlobo umngcipheko - ukuvuthuluka ebonakalayo umgangatho intsimbi. Gold, njengayo nayiphi na isinyithi, kuxhomekeke ukunxiba kunye iinyembezi. Kulo Unga singasindisi ukuphunyezwa zonke iimfuno zokugcina metal. Kwixesha elide, ixabiso ngegolide ukhula rhoqo. Uphelelo dollar, imali ezibalaseleyo behlabathi, ukhuthaza iiBhanki ezingoovimba nizalise zolondolozo.

isiphelo

Ukuthengisela emarikeni - hayi ngenxa betyhafile kwentliziyo. Kwixesha elide kunokuba igalelo ingeniso yokwenene ngegolide. Wowulungela na imali bullion MLA, umtyali ngamnye uzenzela isigqibo ngokwakhe. Ezinye izinto ekubeni igalelo ngokulinganayo CHI uya kuzisa ingeniso engakumbi mali bathenge bullion.