Kuyika ndalama mu golidi - ndi kopindulitsa?

Malinga ndi mfundo zamitundu yosiyanasiyana, golidi amaonedwa kuti ndi imodzi mwa njira zodalirika zopezera ndalama. Ndalama zomwe timasunga m'mitundu yosiyanasiyana zimatengera kusinthasintha kwa msika mosiyanasiyana. Munthu wapakati wapakati ku United States amaika pafupifupi 70% ya ndalama zawo m'matangadza, ma bond ndi malo ogulitsa nyumba, pafupifupi 10% pamasewera amsika, komanso 20% ya ndalama zomwe amasunga mu golidi, i.e. maziko a chuma chake.

Komabe, palibe mwambo woyika golide ku Poland pazifukwa zitatu:

● Mapiri ali ndi golide wochepa, makamaka zodzikongoletsera;

● palibe kulikonse kumene mungagule golide weniweni pamtengo wabwino;

● palibe zambiri kapena zotsatsa zamtengo wapatali wa golide.

Ndiye kodi ndi bwino kuyika golide?

Mitengo ya golide ikukwera nthawi zonse, kotero ku Poland muyenera kuyika ndalama za 10-20% mwa ndalama zanu mu golide weniweni. Pothandizira chiphunzitsochi, kukwera kwamitengo ya golide pazaka zinayi zapitazi kuyenera kutchulidwa. Mu 2001, golidi anali wokwana madola 270 pa auzi imodzi, mu 2003 anali pafupifupi $370 pa aunsi, ndipo tsopano ndi pafupifupi $430 pa aunsi. Akatswiri a msika wa golidi akuti mtengo wa madola a 2005 pa ounce ukhoza kupyola kumapeto kwa chaka cha 500.

Malinga ndi a Małgorzata Mokobodzka, katswiri wa bungwe la J&T Diamond Syndicate SC, pali zifukwa zingapo zofunika zopezera golide: 

1) mosiyana ndi ndalama zamapepala golide sizidalira kusinthasintha kwa mitengo yosinthanitsa ndi kukwera kwa mitengo;

2) golidi ndi ndalama yapadziko lonse lapansi, ndalama yokhayo padziko lonse lapansi;

3) mtengo wa golidi ukukula mosalekeza chifukwa cha kuchuluka kwa chitsulo chamtengo wapatali ichi kuchokera ku matekinoloje amakono;

4) golidi ndi wosavuta kubisala, sawonongedwa mu masoka achilengedwe, mosiyana ndi ndalama zamapepala;

5) golidi nthawi zonse ndi mtengo weniweni womwe umatsimikizira kupulumuka kwachuma panthawi yamavuto azachuma kapena mikangano yankhondo;

6) golidi ndi ndalama zenizeni komanso zenizeni mu mawonekedwe a golidi, osati phindu lenileni lolonjezedwa ndi mabungwe azachuma;

7) ma depositi a maulamuliro akuluakulu azachuma padziko lapansi amachokera pa golide wofanana, nkhokwe zake zimasungidwa m'malo osungira;

8) golidi ndi ndalama zomwe sizifuna msonkho;

9) golidi ndiye maziko a ndalama zonse zomwe zimakulolani kuti muyang'ane mtsogolo mofatsa;

10) golide ndiye njira yosavuta yopatsira chuma chabanja kuchokera ku mibadwomibadwo kupita ku mibadwo popanda kulipira msonkho pazopereka.

Choncho, golidi ndi wapadziko lonse komanso wosasinthika, ndipo kuyika ndalama mu golidi kumakhala kwanzeru nthawi zonse. 

                                    kukopera ndikoletsedwa