Ukutshala imali ngegolide - kunenzuzo?

Ngokomgomo wokuhlukahluka kwephothifoliyo, igolide libhekwa njengenye yezindlela ezithembeke kakhulu zokutshala imali. Ukonga esikuphethe ngezindlela ezihlukahlukene zokutshala izimali kungaphansi kokuguquguquka kwezimakethe ngamazinga ahlukahlukene. Umuntu ojwayelekile osezingeni eliphakathi e-US utshala imali engaba ngu-70% yokonga kwakhe ezitokisini, amabhondi kanye nezindawo ezithengiswayo, cishe u-10% kumdlalo wemakethe yamasheya, kanye no-20% wokulondoloza kwawo ngegolide, i.e. isisekelo semithombo yayo yezimali.

Kodwa-ke, alikho isiko lokutshala imali egolide ePoland ngezizathu ezintathu:

● AmaPole anegolide elincane, ikakhulukazi ubucwebe;

● akukho ndawo yokuthenga igolide elihlanzekile ngamanani aphansi;

● alukho ulwazi noma ukukhangisa ngenani lokutshalwa kwegolide legolide.

Ngakho-ke kufanelekile ukutshala imali egolide?

Izintengo zegolide zilokhu zikhuphuka njalo, ngakho-ke ePoland kufanele utshale cishe u-10-20% wemali oyilondolozile egolideni elimsulwa. Ukweseka le thesis, ukukhuphuka kwamanani egolide eminyakeni emine edlule kufanele kubalulwe. Ngo-2001, igolide lalibiza cishe u-$270 iounce, ngo-2003 lalilinganiselwa ku-$370 iounce, futhi manje selilingana no-$430 iounce. Abahlaziyi bezimakethe zegolide bathi intengo yama-dollar angu-2005 iwunsi ngayinye ingase yeqe ekupheleni konyaka wama-500.

NgokukaMałgorzata Mokobodzka, umhlaziyi we-J&T Diamond Syndicate SC, kunezizathu ezimbalwa ezibalulekile zokutshala imali egolideni: 

1) ngokungafani nemali yephepha igolide akuncikile ekuguquguqukeni kwamazinga okushintshaniswa kwemali kanye nokwehla kwamandla emali;

2) igolide wuhlobo lwemali yomhlaba wonke, okuwukuphela kwemali yomhlaba wonke emhlabeni;

3) izindleko zegolide zikhula njalo ngenxa yesidingo esikhulayo sale nsimbi eyigugu evela kubuchwepheshe besimanje;

4) igolide kulula ukulifihla, alibhujiswa ezinhlekeleleni zemvelo, ngokungafani nemali yephepha;

5) igolide lihlala liyinani langempela eliqinisekisa ukusinda kwezezimali phakathi nezinkinga zomnotho noma izingxabano;

6) igolide iwukutshalwa kwezimali kwangempela nokwangempela kwezimali ngendlela yegolide, hhayi inzuzo ebonakalayo ethenjiswe izikhungo zezezimali;

7) amadiphozithi emibuso emikhulu yezomnotho emhlabeni asekelwe ekulinganeni kwegolide, izinqolobane zazo ezigcinwe emagumbini angaphansi;

8) igolide wutshalomali olungadingi ntela;

9) igolide liyisisekelo sakho konke ukutshalwa kwezimali okukuvumela ukuthi ubheke ngokuzolile ikusasa;

10) igolide liyindlela elula yokudlulisa ingcebo yomndeni kusuka esizukulwaneni kuya kwesinye ngaphandle kokukhokha intela yeminikelo.

Ngakho-ke, igolide liyizwe lonke futhi aliphelelwa yisikhathi, futhi ukutshala igolide kuhlale kuhlakaniphile. 

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