Okokuqala ukutyalomali abatyali-mali, akuqhelekanga ukuva umthengisi okanye abanye abatyali-mali batyelele kwingeniso yenzalo oyifumanayo njenge "bhondi yekhonkco". Umzekelo, i-bond eyi-100,000 ebolekayo ehlawula inzala ye-5%, okanye i-$ 5,000 ngonyaka, iya kuthiwa ine-"%" ye-5%.
Kulabo abatsha okanye abanamava kwaye bengayazi kakhulu ngembali yeemarike zamasitye okanye kwimakethe yemboleko, oku kunokubonakala kudidekile kwaye kuyinto engaqondakaliyo.
Kukho ibali elincomekayo emva kwegama eliqeshwe; kutheni ibinzana elithi "umgca wekhonkco" liye laphila kwikhulu lama-21.
Isiqalo seBond Coupons
Kwiintsuku phambi kokuba iikhomputha zenzeke kwaye zenze lula kakhulu kwihlabathi lezezimali, abatyali-mali abathe bathengela izibophezelo banikezelwa izatifikethi zenyama, izotywe; imisebenzi emihle yobugcisa eyayivame ukubandakanya abenzi bezakhono abanamakhono kunye nabaculi ukuba bafake iinkalo zembali yenkampani okanye imisebenzi kwimifanekiso.
Emva koko uza kulukhiya izitifiketi zokubambisa kwibhokisi yokukhupha ikhuselekile okanye mhlawumbi uzikhusele endaweni ethile apho bekungenakutshitshiswa okanye kufumaneke. Kwakubaluleke kakhulu ukugcina izibophelelo zikhuselekile kwilizwe langaphandle kuba isatifikethi sebhondi sikhonze njengobungqina bokuba umtyalomali ubophe imali kumniki-mboleko; ukuba banelungelo lokufumana inzala yabo kunye nenzala.
Ukudibaniswa nganye kweso sibophelelo esibekiwe kwakukho uluhlu lweekhonkco zeekhonkco.
Ikhuphoni nganye yebhondi yayinomhla kuyo. Kwezihlandlo ezimbini ngonyaka (njengokwesiko e-United States njengezona zibophelelo ezininzi kweli lizwe zikhokhelele umdla ngonyaka-mali), xa inzala ibangelwe kubhonkco, umtyalomali uza kwehla ebhanki, avule ibhokisi yepositi ekhuselekileyo, kwaye ukhuphe umzimba kwiqhosha elifanelekileyo lebhodi kunye nomhla okhoyo.
Uza kuthatha isigqebhezana aze ayifake, njengemali, kwi-akhawunti yabo yebhanki okanye ukuyithumela kwinkampani ukufumana isheke, kuxhomekeke kwimimiselo kunye neemeko.
Ngosuku lokuvuthwa, xa iinqununu zezibhanki zifanelekile, umgcini-mboleko uzakuthumela isatifikethi sakhe kumniki-mvume oya kuwukhansela kwaye abuyisele umlinganiselo-mali wexabiso. Umba wobudlelwane wawunomhlala-phantsi kwaye umtyalo-mali uza kufuneka afumane oko ayefuna ukukwenza ngemali njengoko kwakungekho ntlawulo ezayo.
Ukuba umbandela ongeke ukwazi ukwenza ikhutshana lokuhlawula okanye ukubuyisela inqununu xa ukhula, ubophelelo kuthiwa luya kuvela. Kwimeko ezininzi, oku kuya kubakhokelela ekubanjweni kwebhanki kunye nababolekisi bathatha nantoni na into eqinisekisiwe yi-bond entity, okuyiyo isivumelwano esilawula imali mboleko.
Iindlela zeBond Couons zisebenza njani namhlanje
I-mechanics yokutyalomali kwi-bhondi iyahluke namhlanje ngenxa yokuphuhliswa kwezobuchwepheshe. Ukuba unokufumana ibhondi esanda kukhishwa nge- akhawunti ye-brokerage , umthengisi uza kuthatha imali yakho kwaye uyifake i-bond yakho kwi-akhawunti yakho, apho yayihlala khona eceleni kweempahla zakho, imali kunye kunye nezinye iziqinisekiso.
Uya kubona ukuba inzala yomtshato ihlawulwe ngqo kwi-akhawunti yakho ngaphandle kokuba wenze into; akukho cwecwe lokudibanisa ikhonkco, akukho mfuneko yokugcina isitifiketi sobophelelo kwibhokisi ephosiweyo.
Kwimeko yeesibhanki zecandelo lesibini (iibhondi ezazithengwa ngumtyalomali kodwa zithengiswa komnye umtyalo-mali ngaphambi kokukhula), intengo yokufumana umtyalo-mali omtsha inokuba yinto ehlukileyo kunexabiso lokukhula kwe-bond.
Oku kuhlanganiswe nayiphi na imimiselo yocingo evumela ukuba isibophelelo sihlulwe kusasa, sithetha ukuba isigqebhezana sobhondi siya kuhluke kunokuba isivuno-sokukhula (umyinge wenzalo osebenzayo umtyalomali uya kuzuza xa ephethe izibophelelo ade akhule ) okanye isivuno-esibi kakhulu (umlinganiselo wenzalo ogqithisileyo umtyalo-mali uya kuzuza xa kwenzeka umnxeba ongathandekiyo okanye enye imeko).
Ngethuba le-intlalo engaphantsi kwenzala, nayiphi na ixesha xa ufumana izibophelelo ezindala ezinamakhuphoni aphezulu aphezulu, uya kuhlawula ngaphezu kwexabiso lokukhula lokubambisa, okukhokelela ekulahlekelweni okuqinisekileyo kwinqanaba lokubuyisela inqununu, ukuba, xa ucutshungulwa lizinga lekhuphoni eliphezulu ibangela umyinge wenzalo osebenzayo onokuthelekiswa nalabo abatsha bakhutshwe ngelo xesha.
Ezinye iibhondi ezibizwa ngokuba yi "Bondon Zero Coupon"
Ezinye izibophezelo ziyaziwa ngokuba yi-"zerokhuphoni", ezinokubonakala zidideka. Izibophelelo ze-coupon zebhondi zibhonkco ezingabhataleli inzala yemali kuwo wonke umphefumlo wobungqina kodwa, endaweni yoko, zikhutshwe kwisaphulelo kwixabiso lokukhula. Isaphulelo esithile sibalwa ukubonelela ngezinga elithile lokubuyisela ngokukhula xa amabhonkco kufuneka ahlawulelwe ngenxa yexabiso elipheleleyo lobuso.
Izibophelelo zeqhosha leZero zivame ukukhathazeka kakhulu kumngcipheko wenani lomyinge kwaye, ngakumbi, kufuneka uhlawule irhafu yengeniso kwisithakazelo esicatshulwayo esilufumana kuyo yonke into yobomi bebhondi kunokuba ekupheleni kwexesha xa uyifumana ifom yexabiso eliphezulu lokukhula, oku kungakhokelela kwimibandela yokuhamba kwemali ukuba unayo iphothifoliyo engenayo ingeniso .