Ngokomzekelo, isantya singacatshulwa njenge "LIBOR + 0.50%;" ukuba i-LIBOR yayimile kwi-1.00%, izinga liya kuba yi-1.50%.
Nangona isivuno sitshintshela ubomi bokhuseleko njengoko ixabiso lentlalo liphezulu, ukusabalala ("+0.50" kumzekelo ongentla) ngokufanayo uhlala ufana.
Ixesha apho isivuno sendawo yokuhlawula isantya esithantayo singabakho imihla ngemihla, ngeveki, ngenyanga, okanye ezintathu, ezintandathu, okanye iinyanga ezili-12. Amashishini, oomasipala, kunye noorhulumente bamanye amazwe bazisa amanqaku ajikelezayo amanqaku - ngamanye amaxesha abizwa ngokuthi "ama-FRN". I-Nondyebo yase-United States ngoku ikhupha amanqaku amanqanaba ajikelezayo.
Indlela yokuTyala imali kwiiBond eziKhulayo
Ungakwazi ukuthenga iintlawulo ezihamba ngamanqanaba athileyo (eziqhelekileyo zifakwe ziincinci njenge-FRN (Amanqaku angamaNqanaba aKhulayo) kwi- broker , okanye unokutshala imali kwiimali ezizimeleyo ezithela kuphela kwizibambiso ezihambayo. Ii-ETFs) zibambe iibhanti zentambo ejikelezayo kuphela:
- iShares Floating Rate Note Fund (i-ticker: FLOT)
- I-Van Eck Market Vectors Utyalo-mali weBakala lokuHlahla kweBond iBond ETF (i-ticker: FLTR)
- I-SPDR Barclays Utyalo-mali oTyalo-mali kwiBakala eliHlangeneyo le-ETF (FLRN)
I-Pacific Asset Enhanced Floating Rate ETF (FLRT)
Gcina ukhumbule ukuba kwi-FRNs i-United States ihlala iqhutywa ngamaqela achazwe ngezantsi kwibakala lotyalo-mali. Ngenxa yoko, ixabiso lemali ejikelezayo linomngcipheko ofanayo kunye neengxowa-mali eziphezulu ezivunayo- kodwa ngaphandle kwesivuno esiphezulu.
Hlalani nilumkele kule mngcipheko ngaphambi kokuthatha nayiphi na imali yotyalo-mali. ETF okanye ukhuseleko lomntu ngamnye.
Ezinye iingxowa-mali ezidibeneyo ezidibeneyo zitshala imali kwi-securities rate. Ngaphandle kokuba i-fund ikhethwe ngokukodwa njengengxowa-mali ejikelezayo, ezi zibophelelo ziquka kuphela inxalenye encinci yepotfolio. Abaphathi bawasebenzisa njengendlela yokukhusela i-fund xa bekulindele ukuba amaxabiso aya kuphakama .
I-Pros and Cons Cons of the Floating Rate Securities
Ukuxhamla kwee-bond bonds, xa kuthelekiswa neebhondi zendabuko, ukuba inqanaba lomngcipheko wezinga lomdla lisuswa kakhulu kwi-equation. Nangona umnini we-bond-rate rate engaguqukiyo enokubandezeleka xa kuthe kwenyuka izinga lentengo, inqaku elijikelezayo liya kuhlawulela isivuno esiphezulu xa ixabiso elikhoyo likhuphuka. Ngenxa yoko, baya kuqhuba ukwenza ngcono kunezibophelelo zendabuko xa amazinga enzala ekhulayo.
Icandelo le-flip, okwenyani, kukuba abatyali-zimali kwizitifiketi ezikhulayo zexabiso baya kufumana umvuzo ophantsi xa amaxabiso awela ngenxa yokuba isivuno sabo siya kutshintsha. Kwakhona, abatyali-mali kumabhondi ahlukeneyo amanani angenawo ukuqinisekiswa malunga nokufumana imali ekuphumeni kwabo mali. Ngokwahlukileyo, umnini wokhuselo olusisigxina uyazi ngokuqinisekileyo ukuba uya kuhlawulwa ngethuba lokukhula komtshato .
Ixesha elona lihle kakhulu lokutshala imali kwiimali zamanani ezikhulayo
Ithuba elithengileyo lokuthenga amanqaku amaninzi xa amazinga aphantsi, okanye awile ngokukhawuleza ngexesha elifutshane, kwaye kulindeleke ukuba aphakamise. Ngakolunye uhlangothi, izibophezelo ze-vanilla ezigqithisileyo zikhangeleka xa amaxabiso amaninzi aphezulu kwaye alindeleke ukuba awe. Amanani amanqanaba ahambayo ayenayo inkqubo ekhangayo kubatyalomali abanenkxalabo ekujoliswe kuyo ukugcina i-portfoliyo ukubuya okuqhubekayo nomyinge wokunyuka kwamaxabiso .