Iimali eziMntu ngamnye: Ulungelelaniso oluphezulu lokuba Ufumene iNqununu yakho
Uhlobo olulodwa lokutyalomali lwengeniso yenkxaso-mboleko kukuba kwimeko yamabhondi amaninzi, abatyali-mali bangaqinisekiswa ukuba baya kufumana inqununu yabo emva kokukhula komtshato . Ngoxa iimbopheleleko kuphela ezixhaswa nguRhulumente wase-US - Amashishini ase-US kunye nezinye izibophelelo ezixhaswa nguRhulumente wase-US, njengezibophelelo zokulondolozwa - kunye namacandelo eemarike eziphakamileyo eziphezulu ziquka amanqanaba asemgangathweni omiselweyo (ukungaphumeleli ukwenza inzala okanye inkokhelo enqununu) phakathi kwamasheya athile.
Oku kuyinyani ngokukodwa phakathi kwemiba kunye nokulinganiswa kweebhanki eziphezulu.
Iingozi: Inqununu yakho inokuthi iyancipha nakwiiNgxowa-mali ze-Safest Bond
Ekubeni iimbopheleleko ezininzi zivuthiwe kwixabiso elipheleleyo, ngaba oku kuthetha ukuba abatyali-mali banokutshala imali kwi-joint fund kunye nokulindela ukufumana yonke inqununu yabo?
Impendulo yalo mbuzo ilula "cha," enoba ngethuba inokuthabatha abanye abatyalo-mali. Njengempahla yesigxina, iimali zee-bond zifaka imali kwipotifoliyo yeziqinisekiso ezininzi. Ubusuku bonke, iinkampani zeengxowa-mali zivavanya ixabiso leemali zabo kwiimali zazo zibalwe iimali zabo zexabiso okanye ii-NAV. Ekubeni ngamnye utyalo-mali lwabo ngabanye luyakwazi ukuthengiswa imihla ngemihla njenge-stock, amaxabiso abo angashintsha ngokusekelwe kwimimandla yemarike. Ngenxa yoko, amanani eemali ezibophelelweyo ziya kuhamba kunye nokuhla kunye nexabiso leziqinisekiso ababamba kuzo kwiiphothifoliyo zabo.
Ngenxa yoko, ukuthengwa okungekho ixesha kungathetha ukuba umnini-mali uza kufuneka athengise i-fund kwixabiso lentengo elincinci kunokuba ahlawulwe okokuqala-ngaphandle kwemali yokukhula ekujoliswe kuyo -ininzi yeemali ezingakhuliswanga Umhla othize onjengekhoboka.
Oku kuthetha ukuba nangona ingxowa-mali ingatyalwa kwiimfanelo ezivuthiweyo kwixabiso lazo loqobo, i-fund ngokwayo ayikho.
Umngcipheko, kunye nobukhulu, ukutshintsha kweenqununu kuxhomekeke kuhlobo lwenkxaso yakho. Ezinye iimali zitshala imali kuphela kwiibhanki ezifutshane kakhulu, ezifutshane , kwaye kula maxesha, intengo yesabelo iyakuboniswa ngokukhawuleza ngokuhamba kwesikhathi.
Ezinye iingxowa-mali, ngakumbi ezo zithatha indlela enobudlova kunye / okanye utyalo-mali kwiimali ezinobungozi obuphezulu ezifana nezibophelelo eziphezulu, unokufumana ukunyuka kwexabiso elibi kakhulu. Ngomnyaka we-2008, umzekelo, ukungabikho kwenkxalabo yezemali kwabangela ukuba iiphothifoliyo ezininzi ezivelisa izivuno eziphezulu zilahleka phakathi kwama-30-40% exabiso lawo. Iingxowa-mali ezithengisa amatyala amatyala atshabalalayo ziphakathi kwezona zikhetho ezinokungenakwenzeka kwimali engenakunqwenelekayo, oku kuthetha ukuba iingxaki zokulahlekelwa kwexesha elifutshane ziphakanyisiwe.
Izinzuzo zeNgxowa-mali zeBond
Kwinqanaba elongezelelweyo, iimali zinikela ngeyona ndlela eyahlukeneyo kunokuba abatshali-mali abaninzi banokufezekiswa ngamabhondi ngamnye. Iimali zeBond nazo zilawulwa ngokusemthethweni, ezenza ukuba abatshali-zimali ngabanye bakwazi ukuzenza izigqibo ngokwabo. Ekugqibeleni, imali ilula ukuthenga nokulawula kunezibophelelo zomntu ngamnye.
Ngaphantsi
Ukuba ukuzinza kweqununu kuyinkxalabo yakho yokuqala, qiniseka ukuba utyalo-mali owukhethayo luhambelana nenjongo yakho. Nangona imali yeenqwelo-mboleko inobuncwane, iifom - nokuba ezo zifaka imali kumacandelo emakethi athengisa umngcipheko - zingenakulungeleka abo bafuna ukuba nexabiso elithile lemali ekhoyo ngomhla othile.