Kutheni Ubuncwane Ubonwa Njongo
Kukho iintlobo ezimbini zomngcipheko kwiimarike ezibophelelweyo: ingozi yemboleko kunye nomngcipheko wezinga lentengo . Umngcipheko weNgxowa-mngcipheko ngumngcipheko wokuba umniki-mveliso uza kufezeka , ngelixa i-risk rate ingabangela impembelelo yenguqu ekhoyo.
Ubuncwane bungozi-mngcipheko ngowokuqala: ingozi yemboleko. Nangona kukho iinkxalabo malunga nempilo yezemali yase-United States, iibhondi zaseburhulumenteni zase-United States zibonwa njengezona zikhuselekileyo kwihlabathi ngokubhekiselele kwimeko yokuba inzala yabo nenqununu ihlawulwa ngexesha. I-United States ayizange ihlawule ityala layo kwixesha lanamhlanje, nangona kukho iimeko ezithile zokulungiswa kweminyaka kwi-1800s.
UnokuLahla imali Yotyalo-mali kwiNondyebo
Ngokuqinisekileyo iifuma zikhululekile ngengozi yeentengo zemboleko, kodwa ziphantsi komngcipheko wenani lomyinge . Nangona iimali zeeNondyebo kunye nemiba emifutshane emigxina ayinakuchaphazeleka kakhulu kwimigangatho yokuhamba, izibophelelo zexesha eliphakathi (ezineminyaka emihlanu ukuya kweyishumi) zinokubakho ukungahambisani nokuzithengisa, ngelixa ibudlelwane bexesha elide (iminyaka elishumi phezulu) inokuba yinto enzima.
Ukuba utyalomali ubamba ukhuseleko lwezezimali kuze kube yilapho ekhula ngokomoya, oku akuyona into. Nangona ixabiso eliyinhloko liza kuguquka kwaye lihlawule ngobomi bebhondi esekelwe kwimbono yokutshintsha amaxabiso emali kunye nokunyuka kwamaxabiso , umtyalo-mali unokuqiniseka ukuba ekugqibeleni uza kubona ukutshalwa kwezimali kwangaphambili.
Nangona kunjalo, kuba ngumbandela ukuba umtyalomali unyanzelekile ukuba athengise umba we-Nondyebo ngaphambi kokukhula kwawo . Kule meko, intengo yebhondi iya kutshintshwa ngokusekelwe kumashishini okutshintsha, kwaye umtyalo-mali uza kufumana iimali ezingaphezulu okanye ngaphantsi kwezolimo-mali zangaphambili.
Iimali zeNondyebo ze-US kunye nee-ETF
Ekubeni ukugcinwa kwe-Nondyebo ngabanye ekugqibeleni bavuthiwe kwixabiso labo elipheleleyo, umtyalomali kwintlawulo yeburhulumenteni unokukwazi ukulula ukukwazi ukuba nokuba ixabiso lebhondi liye lahla kwixeshana elifutshane, inqununu iya kuhlawulwa ngexesha elifanelekileyo.
Oku akunjalo nangemali yokubambisana kunye neengxowa -mali ezithengiswayo (ETFs) ezityale kwiiNondyebo. Ngaphandle kokuba ingxowa-mali ingumhla we-"target target" ngengomhla oqeshwe ukukhula, imali ayiyi kukhula.
Kwiimali ezityalomali kwiibhondi zexesha elifutshane, ngokuqhelekileyo akuyiyo imbambano ebalulekileyo ukususela ekubeni ukunyanzeliswa kwezinto ezincinci kubuncinane-nangona ixabiso lingenako ukuhla kweyantlukwano. Nangona kunjalo, imali etyalo -mali kwiiNondyebo zexesha elide inokuba yinto engathandekiyo. Ukuba ixabiso leNondyebo liyancipha, oku kuya kubangela ukulahlekelwa yinqununu kumtyalomali.
Abatyalomali abaqwalasela ukuthengwa kweengxowa-mali ezithengisa kwiiNondyebo zexesha elide, ngoko ke, kufuneka ziqaphele ukuba ngokwenene zithatha ingozi enkulu yongundoqo-nangona i-securities ephantsi ayiyi ku-default. Ngokwemvelo, ingozi ephezulu ingalingana nokubuya okuphezulu ... ukubonelela ngeemarike kuhamba ngendlela efanelekileyo.
Ngaphantsi
Ubuncwane be-US abukho-mngcipheko-kubantu abathintela izibophelelo zabo kude kube kukhula. Nangona kunjalo, kukho umngcipheko kulabo abathengisa izibophelelo zabo ngaphambi kokukhula okanye abatyala imali kwixesha elide leMali-mali. Ngenxa yoko, nokuba le mali "engenako ingozi" inokuba yingozi kakhulu kwiimeko ezithile.