I-Primer kwiMali-mali yokuThunywa koNondyebo-i-Securedities (Protected Securities)

Ngaba kufuneka uthenge i-TIPS? Nantsi Oku Kufuneka Ukwazi

Ukuba ukhangele enye yezona zinto ezifanelekileyo zokuthenga iimali zokuthenga ngenxa yokunyuka kwezinga lentengo kunye nokunyuka kwamaxabiso , ngoku ixesha elihle lifunde kabanzi malunga neMali-mali yokuVikeleka kweeNkxaso-mali (i-TIPS) . I-TIPS zingathengwa kwi-Treasury yase-US okanye kwiimarike zesekondari (ngokusebenzisa iifranki ze-brokerage kunye neebhanki).

Unako ukuthenga iimali ezidibeneyo ezine-TIPS . Kodwa ngaphambi kokuba uphume kwaye uthenge iimali ze-TIPS, thabatha imizuzu embalwa ufunde kabanzi malunga ne-TIPS.

Ziziphi ixabiso lemali-mali elikhuselekileyo?

I-Nondyebo yase-United States yaqala ukukhupha i-Imali-mali ye-Treasury-Protected Securities ngo-1997. I-TIPS zihluke kakhulu kune-US Treasury Bond.

Iimpawu zeTIPS zi:

• Itholakala ngeemali ezi-5, 10 ne-20
• Inqununu yebhondi iyanda / iyancipha ngezinga le-Index of Price Index (CPI)
• Intlawulo yenzalo yimivuzo echanekileyo isetyenziswe kwinqununu eyandayo / yokunciphisa
• Izilungiso eziphambili kunye neentlawulo zenzalo zenziwa kabini ngonyaka
• Inqununu ehlengahlengisiweyo okanye inqununu yasekuqaleni, nayiphi na emkhulu, ihlawulwa kumtyalomali ekuvuthweni (xa kuthengwa ngexabiso lexabiso kwixabiso lokuqala)

Umzekelo wexabiso leMali-mali-ukhuseleko

Imali-mali yeMali-mali ekhuselekile iyahluke kakhulu kwizibophelelo eziqhelekileyo . Inqanaba eliqhelekileyo lokubambisa i-coupon bond yenza iintlawulo zekhuphoni kwisixa-mali (umzekelo: u-5% intlawulo yemali yonyaka ngonyaka kwi-$ 1,000) kunye nenani lemali libuyiselwa ekukhuleni kwesibophelelo.

Akunjalo ngeTIPS.

Ndiye ndacacisa umzekelo we-TIPS utsalo-mali ukususela ekuqaleni ukuya ekupheleni. Ngenxa yokwenza lula, umzekelo ubonisa isibophelelo esithengwa kwiintengiso ze-US Treasury, ngexabiso lentengo kunye neNkcitho yamaxabiso yabathengi.

• Utyalomali uya kwi-www.treasurydirect.gov kwaye uthenge i-R10 000 eyi-R10 000 yeMali-mali yokuKhuselwa koKhuseleko kwiNetesi kunye ne-1.00% yekhuphoni.

• I-Index yabathengi ngekota yokuqala i-3% (i-semi-year-rate ye-1.5%)
• Ngenxa yecandelo le-CPI, ixabiso lebhondi landa nge-1.5% ukuya kwi-10,150.
• Inkokhelo yokuhlawula i-$ 50.75 (i-50% ye-1.00% isigxina esicwangcisiweyo esandisiwe yinqununu echitshiweyo ye-$ 10,150) yenziwe kumtyalomali.
• Ekupheleni konyaka wekhalenda omnye, umtyalo-mali uhlawuliswa kwiikhuphoni zeentlawulo kunye nokulungiswa kwinqununu. Olu rhafu luqhutyelwa kulo lonke lobomi bebhondi.
• Umtyalo-mali uyaqhubeka nokufumana inani lekhuphoni eliphindaphindiweyo yinqununu echitshiyelweyo ngonyaka. (Kule ngqungquthela inqununu ehlengahlengisiweyo yonyuka yi-1.5% nganye kwiinyanga ezintandathu).
• Ekukhuleni, iminyaka emihlanu ukususela kumhla we-intengiso, umtyalomali ufumana inqununu ehlengahlengayo ye-$ 11,605.41 kunye nokuhlawulwa kokugqibela kwe-coupon ye-174.08 (1.5% kwi-$ 11,605,41).

Ukuhlawulwa kweRhafu yeMali-mali yeMali-kuVikelekile

Umzekelo uchaza ukuba umtyalo-mali uhlawuliswa kwintlawulo yengeniso yonyaka kunye nemali yenkqununu ehlengahlengisiweyo (oko kukuthi, ukwanda kwesaxabiso esinqununu ngenxa ye-CPI). Ierhafu malunga nohlengahlengiso kubhekiselwa kuyo ngokuthi "ingeniso yefantom." Abanini-mali abaninzi ngokuhlakanipha bakhetha ukubamba ii-TIPS kwi-akhawunti yomhlala-phantsi (umzekelo, i-IRA) ukuphepha ukuhlawula irhafu.

I-TIPS abatyali-mali baya kufumana iFom 1099-OID ngenzuzo ye-phantom kunye neFomu 1099-INT yeentlawulo zenzalo (ukuba ii-TIPS zigcinwe kwi-akhawunti ehlawulwayo).

Iimali-mali zeMali-mali eVikelekileyo

Abatyalomali banokuthenga iimali ezizimeleyo ezithatha ii-TIPS kwaye zizonwabele iingenelo zemali . I-Vanguard, kunye ne-Fidelity, kunye nezinye iinkampani zinikezela ngezimali ze-TIPS.

Ukuze ukhangele ngokubanzi kwi-TIPS, jonga udliwano - ndlebe noJohn Hollyer , owayengumphathi wePotifoliyo we-Vanguard Inflation-Protected Securities Fund.