Yingakho i-Series Series I-bonds yafakwa njengelungu elitsha lomtshato we- United States .
Uluhlu ngalunye I-intanethi ihlawula umdla ngokusekelwe kumacandelo amabini; izinga lokubuyisela inani kunye nomyinge wonyaka oguquguqukayo wonyaka oguqukayo kunye nokuguqulwa kwexabiso lokunyuka kwamaxabiso njengoko kulinganiswa ngongoma wexabiso lomthengi, okanye i-CPI. Oku kungathi kunzima, kodwa kwixesha elincinane, uya kubona indlela elula ngayo indibophelelo kunye nendlela onokuyisebenzisa ngayo njengotyalo-mali omtsha. Akuyena wonke umntu onelungelo lokuzibophelela.
Njani iibhondi ezikwenza imali
Xa uthenge iChungechunge endibambene nayo, uhlawula ixabiso elipheleleyo lobuso bhondi ngokwayo. Ngamanye amagama, ukuba ufumana i-$ 5,000 yexabiso lobuso ndidibana, uya kuhlawula i-$ 5,000. Ngokufanayo, ukuba utyalomali kwi-value ye-$ 10,000 yobunzima bendoda, ndiya kuhlawula imali eyi-R10 000 ngemali ngexesha uyifumana. Oku kuyinyani nokuba ngaba uthenge iphepha lomzimba ondibambiseneyo okanye ubhalisiweyo nge-elektroniki ngimbopheleleko kwi-website yeSebe le-Amashishini e-United States, iNgcaciso-mali.
Ngokutsho kwe-United States Treasury, i-bonds iyanda ukwanda kwindleko ngosuku lokuqala lwenyanga nganye, kwaye inzala iyabalwa ngokukhawuleza ngokusekelwe kumhla wokukhishwa kwe-Bond ethile.
( Umhla wokugqithiswa kwam intlawu yinyanga kunye nonyaka apho isikhungo semali esithengileyo sakho i-Bond ifumana inkokhelo epheleleyo yebhondi.)
Oku kubalulekile kuba kuthetha ukuba indibophelelo yakho yimihlobo yesibhonkco yesibhondi . Ngokungafani nesikhonkco senkcubeko okanye ibhondi kamasipala , awuyi kufumana iisesheke kwi-imeyile yenzalo oyifumene nayo.
Esikhundleni salo, ixabiso lakho lokubambisana liya kukwandisa rhoqo kunye nomdla wakho ongezelelweyo kwixabiso eliyintloko. Kuphela xa uhlawula i-bond in (eyaziwa ngokuba "ukukhulula" isibophelelo), ngaba uya kufumana imali yakho kunye nayo yonke inzala oyenzile ngaphezu kweminyaka.
Ingozi yokuTyala imali kwiiBonds
Ngokuphawulekayo, iimbophelelo zinye zezolimo kuphela ehlabathini ukuba uRhulumente waseUnited States uqinisekisa. Ukuba ukunyuka kwamaxabiso kuphakanyisiwe, uya kufumana inzala eninzi ngokuguqulwa kwexabiso lentengo. Ukuba uqoqosho luqala ukungcola, i-bonds i-bonds ineqinisekiso sokuthi abayi kuze kube ngaphantsi kwe-0.00% inzala ngonyaka, oku kuthetha ukuba amandla akho okuthenga uya kuqhubeka ukwandisa nokuba awuzange ufumane inzala kwimali yakho.
Kude kangakanani Unayo Ukubamba iiBonds
Iingqungquthela Iimbopheleleko zokulondoloza azijoliswanga ukuba zithengiswe, kodwa kunokuba zigcinwe njengotyalo-mali olude. Awukwazi ukuzithengela okungenani kwiinyanga ezili-12 emva kokuthenga nganye indibophelelo, kwaye ukuba uhlawulela iibhondi phambi komhla wokuzalwa wesi-5 somhla wokuthenga, uya kuhlawula isigwebo sesithandwa seenyanga ezintathu.
Njani i-Bonds i-Taxed
Iibhondi zikhululekile kwiirhafu zorhulumente kunye neerhafu zendawo. Kodwa ke, kuxhomekeka kwiirhafu zedolophu kodwa wena njengomtyalo-mali unako ukhetho lokuhlawula irhafu ngokusisiseko semali okanye kwisiqinisekiso sokwenza imali.
Ngaphantsi kwendlela yokwenza imali, awuyi kuhlawula irhafu uze ukhulule isibophelelo sakho kuba nangona ufumene inzala yomvuzo, awuzange ubone nayiphi na loo mali.
Ngaphantsi kwendlela yokwenza imali, uza kuhlawula irhafu ngamnye ngonyaka malunga nengeniso oyifumene eyongeziweyo kwixabiso lakho. Abatyala-mali abaninzi bakhetha indlela yokuhlawula irhafu ukwenzela ukuba bangakhokheli irhafu ngaphandle kwepokhethi yabo ngonyaka, endaweni yokusebenzisa i- bond bond xa bethengisa ubophelelo ukufihla nayiphi na imbopheleleko kuRhulumente.
Yintoni eyenzekayo Ukuba Ulahleka Iibhondi
Ndiyazibophezela, njengazo zonke izibophelelo zokugcina, ziyaziwa ngokuba yi-"zobhalisiweyo". Oku kuthetha ukuba nangona ulahlekelwa isatifikethi sakho sokubambisa (ukucinga ukuba uthenge izitifiketi zamaphepha endaweni yokusebenzisa iNkqubo yoNondyebo yoTyalo-mali lwe-elektroniki), akukho mfuneko yokwesaba.
Ukuqhagamshelana nje neSebe lezeNondyebo, uzalise iincwadi ezizicelayo, kwaye kungekudala, uya kukhutshwa ukutshintshwa kwam.
Oku kuthetha ukuba kufuneka uqaphele: Awunakuze uthenge undibophelelo kumnye utyalomali. Iibhonkco zithengiswa ngeendlela zokuhambisa esizichazelayo kwiNkundla yokuThengisa . Ukuba uthenge iibhondi kumnye utyalomali, basenelungelo ngokusemthethweni kwezo zibophelo kwaye ngoku ulahlekelwe yimali yakho!
Eminye indlela eya kwi-Bond
Uninzi lwabatyalo-mali, ootyali-bucala, kunye nabanini-bhishino bezityebi banqwenela ukuba ne-TIPs, okanye i-Intellectual Protected Securities, kwiindawo zokuzibophelela kwamabhondi ngenxa yokuba banemiqathango emininzi yokuthenga ngonyaka (kwizigidi ngezigidi zeedola) ngonyaka. Enyanisekileyo, iimbopheleleko azifanelekanga kubantu abaninzi abazizityebi okanye abo balawula imali eninzi kuba imida yokuthenga iphantsi kakhulu ukuba ibe nayiphi na indlela.