Investment Investment
Ubuncwane buxhasiwe "ukholo olupheleleyo kunye neentengo" zorhulumente wase-US kwaye, ngenxa yoko, umngcipheko wokungagqibekanga kwezi ziqinisekiso zengeniso echanekileyo ayikho nto. Ukususela ekuqaleni kwenkqubo kaRhulumente ngo-1776, iNondyebo yase-US ayizange ihluleke ukuhlawula ababolekisi bayo.
Akukho nxu lumano olukhuselekileyo kwihlabathi lwenza loo mabango. Ukuba injongo yakho ephambili kukuba ungaphumeleli imali yakho, ubuncwane bakho. Xa uthengisa i-bill bill, ibhondi, okanye inqaku, unokuqiniseka ukuba inqununu yakho iya kubuyiselwa ngexesha elifanelekileyo, kunye nayo yonke inzala efanelekileyo.
Kodwa into yokuba utyalo-mali oyintloko ukhuselweyo ayithethi ukuba ubuncwane abukho mngcipheko. Enyanisweni, ukugcina ubuncwane kubangela ingozi ethile ekhethekileyo njengengozi yokunyuka kwamaxabiso, umngcipheko wezinga lomdla kunye neendleko.
Umngcipheko weMali
Ukuba ukunyuka kwamanani emali kuphuma, ixabiso lentengo-mali yezoNondyebo ingahla. Oku kubizwa ngokuba ngumngcipheko wokunyuka kwamaxabiso . Cinga, umzekelo, ukuba unayo ibhondi yebondla ehlawula inzala ka-3.32%. Ukuba izinga lokunyuka kwamaxabiso liye liye, luthi, u-4%, utyalo-mali "aluhambelani nokunyuka kwamaxabiso." Okanye ukuba ubeke enye indlela, ixabiso langempela lemali otyalomalileyo kubhonkco iyahla.
Uya kufumana inqununu yakho emva kokuba ubophelo lukhula, kodwa luya kubaluleka.
Enye indlela yokunciphisa le ngxaki kukutyalomali kwi-TIPS - isithuthi senqwelo-mali seSebe lezeMali elibizwa ngokuba yi-Treasury Inflation-Protected Securities-okanye, ngokunye, utyalo-mali kwiimali eziphathekayo eziphethe ii-TIPS. Ukufumana okungakumbi malunga neenzuzo kunye nokungahambi kakuhle kweengxowa-mali ze-TIPS, funda malunga nenzuzo kunye neengxaki ze-TIPS iimali .
Umngcipheko weNzala
Umngcipheko wesibini wokugcina ubutyebi ngumngcipheko wezinga lomdla . Ukuba ubambe ukhuseleko kuze kube yilapho ukhulile, ingozi yenzalo ayikho into. Uya kubuya yonke inqununu xa ukhula. Kodwa ukuba uthengisa imali yakho ngaphambi kokuba ukhule, awuyi kubuya inqununu oyihlawule yona.
Khumbula, ixabiso lamabhondi lilamano oluphambene namanani omdla. Xa umntu ephakama, enye iyawa. Ukuba umzekelo, uthenge inqaku lesigxina se-4% edlulileyo kwiminyaka emibili edlulileyo kwaye ngoku, ngenxa yokuba isantya senzalo sivusiwe ngokubanzi, inqaku lesigxina elifanayo lihlawula umxhesho we-5%, inqaku lakho le-treasury ye-4% liza kuthengisa kwisaphulelo kwaye mhlawumbi abayi kubuyisela konke yeenqununu eziphambili zihlawulwe. Kuya kuhluthwa, eqinisweni, de kubekho isivuno esilinganayo okanye silingana ngokulinganayo nomyinge we-5% ohlawulwa kwiimali ezifanayo ezikhutshwayo ngoku. Ngokuxhomekeke kumlinganiselo wezinga lomdla, oku kungakhokelela ekulahlekelweni okuyinhloko.
Ithuba liyabiza
Ubuncwane bukhuselekile kangangokuba akudingeki ukuba bakhokhe imali eninzi ekutsaleni abatyalo-mali. Ngenxa yoko, izivuno kwizinto zobuncwane zivame ukungaphumeleli kwezivuno kwiimeko ezikhuselekileyo, i-Aa-evaluated debt debt. Oko akunakubiza imali, kodwa kunokukuhlawulela ithuba lokubuya okuphezulu kwelinye utyalo-mali.
Eli li thuba iindleko , umahluko phakathi kokuya kutyalomali kwizinto zokutshala kunye noko ungayifumana xa utyalombile kwenye into. Iindleko zexesha lokugcinwa ngaphezulu kweemali ezincinane zemali kwi-akhawunti yokulondoloza , umzekelo, ngokuqhelekileyo kuthathwa njengophakamileyo kakhulu malunga nabo bonke abatyalo-mali.
Ubuncwane bunomdla ophezulu ngaphezu kwe-akhawunti yokulondoloza. Kodwa kaninzi abahlawulanga ezininzi. Ukuba utyalo-mali kwiingxowa-mali, cishe phantse ukwenza imali eninzi kunye nolunye utyalo-mali olukhuselekileyo. Le ngenye yeyona mngcipheko omkhulu wobutyebi-mali-abatyala-ukuba ukwesaba kakhulu umngcipheko, baye batyala imali kakhulu kwiimali zentengo ephantsi.
ISICELO: I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.