Ukwahlukana phakathi kweBond kunye neBond Mutual Fund Ukutyalomali
Imibuzo ekhunjulwayo ngeengxowa-mali ze-bond vs bond zibandakanya: Ingaba kukho ixesha elifanelekileyo lokutshala imali kwelinye? Nguwuphi na ongcono kum, izibophelelo okanye izivumelwano zomxhasane?
Nazi izinto ezisisiseko ofuna ukuziphendula ukuphendula le mibuzo kunye nokunye ...
Inkcazo yeBond kunye nendlela yokuSebenza kweBond
Iibhondi zibopheleleko zetyala ezikhutshwe ngamaziko, njengamashishini okanye urhulumente. Xa uthengisa intlawulelo, uboleka imali yakho kwiqumrhu ngexesha elichaziweyo. Ukutshintshiselana nemboleko yakho, iqumrhu liyakukuhlawula umdla kude kube sekupheleni kwexesha (usuku lokukhula) xa uza kufumana inzala-mali yokuqala okanye inkokhelo (inqununu).
Iintlobo zeebhondi zihlelwa liziko elikhuphayo. Amashishini anjalo afaka iinkampani, iinkonzo eziphatheka esidlangalaleni kunye noorhulumente, basekuhlaleni naseburhulumenteni.
Iibhonki zigcinwa ngokubakho kotyalomali-mali kuze kufike ukukhula. Umtyalo-mali ufumana inzala (ixesha elingenisiweyo) ixesha elithile, njengeenyanga ezi-3, unyaka owodwa, iminyaka emi-5, iminyaka eyi-10 okanye iminyaka engama-20 okanye ngaphezulu. Ixabiso lebhondi lingahle litshintshe ngelixa umnini-zimali ephethe ubophelelo kodwa umtyalo-mali unokufumana i-100% yokutshala kwakhe kokuqala (inqununu) ngexesha lokukhula.
Ngako oko akukho "ukulahlekelwa" kwenqununu nje kuphela xa umtyalomali ethatha ubophelelo kuze kube yilapho ekhula (kunye nokucinga ukuba i-entity issuity does not default because of circumstances, such as bankruptcy).
Umzekelo wesikhonkco uza kusebenza into enjengale: Ibutho elikhuphayo, masithi inkampani enjenge-Ford Motor Company, inika amabhondi ahlawula inzala ye-7.00% kwiminyaka engama-30.
Utyalomali-mali uthetha ukuba ufuna ukuthenga isibophelelo se-$ 10,000. Uthumela i-R10 000 kwiFoeve kwaye ufumana isitifiketi sebhondi ngokubuyisela. Utyalomali-mali ufumana i-7% ngonyaka (i-R7 700), ngokuqhelekileyo ukwahlula kwiintlawulo ezimbini zenyanga ezintandathu. Emva kokufumana i-7% ngonyaka ngeminyaka engama-30, umtyalomali ufumana imali eyi-$ 10,000.
Inkcazo yeeNgxowa-mali zeBond kunye nendlela i-Bond Funds isebenza ngayo
Iimali zobudlelwane bezivumelwano ze-Bond zixhaswa ngemali enye efaka utyalo kwiibhondi. Njengezinye iimali zentsebenziswano, iimali zentsebenziswano yezivumelwano zifana neebhasikidi ezinobuninzi okanye amakhulu emininzi yemfihlo (kulo mzekelo, iibhondi). Umphathi weengxowa-mali okanye iqela labaphathi liya kuphanda iimarike ezingenakunyuswa kwiingxowa-mali ezifanelekileyo ngokusekelwe kwinjongo yonke ye-bond joint fund. Umphathi (s) uza kuthengisa kwaye athengise izibophelelo ezisekelwe kwimisebenzi yezoqoqosho kunye neentengiso. Abaphathi nabo kufuneka bathengise iimali zokuhlangabezana nokuhlengwa (ukurhoxiswa) kootyalo-mali. Ngenxa yalesi sizathu, abaphathi beengxowa-mali abanamabhonkco abambalwa babambelele ukuxhomekeka kude kube kukhula
Njengoko ndithe ngasentla, i-bhondi nganye ayiyi kulahlekelwa lixabiso ngelixa umniki-mboleko engekho phantsi (ngenxa yokutsalwa kwebhanki, umzekelo) kwaye utyalomali-mboleko unamathele kuze kufike ukukhula. Nangona kunjalo i-bond mutual fund ingayifumana okanye ilahlekelwe ixabiso, iboniswe njengexabiso le- Asset Net - NAV , kuba umphathi wezikhwama udla ngokuthengisa ii-bonds eziphantsi kwenkxaso ngaphambi kokukhula.
Ngako oko, iimali zebhondi zingakwazi ukulahlekelwa yixabiso Oku kwenzeka ukubahluko obaluleke kakhulu kubalimi-mali ukuba baqaphele nge-bonds vs bond funds.
Nasi isizathu: Cinga ukuba ucinga ukuthenga intlabo yomntu ngamnye (kungekhona i-fund). Ukuba izibophelelo zanamhlanje zihlawula inzala ephezulu ngaphezu kweebhondi zezolo, uya kuthanda ukuthenga izibopho ezihlawulela inzala ephezulu namhlanje ukuze ufumane imbuyekezo ephezulu ( isivuno esiphezulu ). Nangona kunjalo, unokuqwalasela ukuhlawula iibhanki eziphantsi ezenzelwa umrhumo wenzalo ukuba umniki-mvume wayezimisele ukukunika isaphulelo (intengo ephantsi) ukuthenga ubophelelo. Njengoko unokuqikelela, xa amaxabiso entlupheko enyukayo ekhuphuka amaxabiso amabhondi adala aya kuwa kuba abatyali-mali baya kufuna iikhutshulwa kwiintlawulo zentsapho ezidala (kunye nezantsi). Ngenxa yalesi sizathu intengo yamabhanki ishukuthela kwindlela echaseneyo yemilinganiselo yemigangatho kunye neendleko zemali yebhondi zithintela kwizinga lentengo .
Abaphathi bebond fund bahlala bethengisa kwaye bathengisa izibophelelo ezingundoqo ezigcinwe kwingxowa-mali ukwenzela ukuba utshintsho kwixabiso elizibopheleleyo liza kutshintsha i-NAV yesikolo.
Isishwankathelo, i-bond mutual fund ingakwazi ukulahlekelwa xabiso ukuba umphathi woqhagamshelwano uthengise inani elibalulekileyo leebhanki kwizinga lokunyuka kwenzala kuba abatyalomali kwimarike evulekile baya kufuna isaphulelo (hlawula ixabiso elincinane) kwiibhanki ezikhulileyo ezihlawula umdla amazinga.
Yiyiphi eyona nto ibhetele yokuTyala imali-iBond okanye iBond Fund?
Ngokubanzi, abatyali-mali abangenako ukukhululeka ukubona ukuguqulwa kwexabiso le-akhawunti bangakhetha iimbophelelo ngaphezu kweemali ezidibeneyo. Nangona imali eninzi yekhonkco ingaboni ukuhla kwexabiso okanye ukuhla kwexabiso, umtyalo-mali onokuzimeleyo akanako ukufumana ukhululo ukubona iminyaka emininzi yokuzuza ngokusisigxina kwingxowa-mboleko yabo, elandelwa ngumnyaka omnye kunye nokulahleka.
Nangona kunjalo, utyalo-mali oqhelekileyo akanalo ixesha, inzala okanye izixhobo zokuphanda iimfuno ezizimeleyo ukuze kuchaneke ukufaneleka kweenjongo zabo zokutshala. Ngeentlobo ezininzi ezahlukeneyo zezibophelelo, ukwenza isigqibo kunokubonakala kunzima kwaye iimpazamo zenziwa ngokukhawuleza.
Nangona kukho iindidi ezininzi zeengxowa-mali ezikhethiweyo zokukhetha, umtyalo-mali unokuthenga ukudibanisa ukudibanisa kwezibhonkco kunye nenkxaso-mali yendleko ephantsi, njenge-Vanguard Total Bond Market Index (VBMFX) kwaye uqinisekise ukuba ubude bemivuzo yexesha elide kunye nezivuno ngokunyaniseka okuphantsi.
I-Bond Laddering: Xa ukuTyala kwiiBond kunye ne-Bond Mutual Funds kwenza i-Sense
'Ukulungiswa kweBonding' kuyisicwangciso esicwangcisiweyo sokutsalwa kwemali apho umtyalomali uthenga iziqinisekiso zobungqina bomntu ngamnye. Ukufana neCD okwenza umgomo -siseko wotyalo -mali ukunciphisa umngcipheko wezinga lomyinge kunye nokwandisa imali.
Ithuba elona lifanelekileyo lokusebenzisa ukunyuka kwebhondi xa ixabiso lentengo liphantsi kwaye liqala ukuphakama. Xa inani lamanani likhulayo, amanani eengxowa-mali ngokubanzi awela phantsi. Ngako oko kunye nomtyalo-mali angakwazi ukuqala ngokuthe ngcembe ukuthenga izibophelelo njengoko ixabiso likhuphuka phezulu ukuya "ukukhiya" isivuno kunye nokunciphisa umngcipheko wentengo yeemali ezixhaswe ngemibutho.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.