Abatyalomali bangasebenzisa iPortfolio ebizwa ngokuba yiNgxowa-mboleko
Oku kwahluke kwiimali zokubambisa imali, apho i-brokerage ibolekisa abathengi ngenjongo yokuthengiswa kwezinto ezincinci okanye ezinye izinto. Iimali-mali ezixhaswe ngemali-mali, ezaziwa nangokuthi njengemali-mboleko-based based, endaweni yoko isebenzisa iziqinisekiso njengemali yokubambisa ukufumana imali mboleko kubatyalomali.
Ziziphi iimali-mboleko ezixhaswe?
Imboleko-mboleko yembuyiselo ityala elixotywe yi-potifoliyo ye-investor yeemfanelo ezifanelekileyo ezifana ne-stocks kunye nezibophelelo. Umboleki ubeka iibhanki kwi-akhawunti apho umnini-mboleko unesixhumanisi, kwaye umnini-mboleko uya kufaka imali efumanekayo evela kumaphesenti ama-50 ukuya kuma-95 ekhulwini lexabiso lemarike. Inani elichanekileyo lixhomekeke kwizinto eziphathekayo eziphantsi kwipotfoliyo kunye nezinga lokungafani. Ngokomzekelo, umboleki-mali angamkela inkxaso-mali ngaphezulu kwipotifoliyo yamanqaku e- US Treasury ngaphezu kwephothifoliyo enesigxina esisodwa, esifakwe kwisikhundla se-stock.
Inkqubo yokubolekisa ekusebenzeni
Xa umboleki efuna ukufikelela kwimali-mboleko, ubhala isheke malunga nomgca wekhredithi okanye uthumela imiyalelo yokufakela imali kwi-akhawunti yebhanki. Njengoko ixabiso lesiguqu sokubambisa i-intanethi, i-akhawunti yeekhredithi iyashintsha, nto leyo ingenza kube yimfuneko ukufaka imali yokubambisa eyongezelelweyo ngefom yekheshi okanye ngokufaka ezinye izitokhwe kunye nezibophelelo zangaphambili ezingabandakanywa kwi-collateral.
Umboleki angahlawulela enye okanye yonke imali ehlawulwe. Ukuba akukwenziwanga ngexesha elithile elibizwa ngokuba "ixesha lokunyanga," elinokuthi lide ukusuka kwiintsuku ezimbini ukuya kwiintsuku ezingama-30, umbolekisi uya kuhlawulela iziqinisekiso ezisebenza njengezinto zokubambisa ngokuzithengisa.
Ababolekisi abafanelekayo banokubandakanya abantu ngabanye, abatyala-mali abambisene nabo, kunye neentembelelo zokuhlala ezingenasiphelo apho umphathiswa, umphathiswa kunye nabaxhamli bafana. Ngokuxhomekeke kwiziko lemali, iimali-mboleko zinokuvela kwi-$ 100,000 ukuya kwii-5,000,000 okanye mhlawumbi ngaphezulu kubantu abaphezulu. Ezi mboleko zinemigangatho ehambelana nomboleki ngexesha elifutshane kunye eliphakathi; iminyaka emihlanu iqhelekileyo.
Iinzuzo kubaTyalo-mali
Iimali-mboleko ezixhasiweyo zinemivuzo emininzi. Baya kunika umboleki imali yentengo ephantsi kunye nomngcipheko oncitshiswayo malunga neendlela ezifana nemali-mboleko yemida , nangona isenomngcipheko omkhulu kunezinye iintlobo zokuboleka. Ukongezelela, banikezela ukulungelelanisa okukhulu ukuhlawula imali kwaye banike ixesha lokunyanga ukuze bahlangabezane neemfuno zokubambisa. Oku kwahluke kwiimfuneko zokukhawuleza ukubuyisela umboleko wemali.
Umyinge wemali kwi-mboleko yemali-mboleko ihlala isekelwe kwi-premium phezu kweLondon Interbank Offer Rate (LIBOR) .
Oku kwasasazekayo, kodwa, ngokuqhelekileyo, ixabiso lepotfoliyo enkulu, ixabiso eliphantsi. Kwezinye iimeko, umboleki-mali unokunciphisa umyinge wemithwalo yemboleko yemali-mboleko xa uvumelekile ukubeka "inqwaba yokulumkisa" kwi- propati yepropati yepropati okanye ipropati . Oku kungavumela umtyalo-mali ukuba athathe inzala yomboleko kwimbuyekezo yakhe yentela. Ezinye iimali-mboleko-ezixhaswe ngemali-mboleko nazo zinikeza umvuzo wenzalo kuphela.
Ibhiziniso eliMngcipheko weMali-Ebolekileyo Imali
Naphezu kweenzuzo zabo, iimali-mboleko ezixhaswe ngemali ziza neengozi ezithile. Nenkampani ezinzileyo eneziseko zentengo yempahla-mboleko ingaxhomekeke kwindawo engqongileyo yezoqoqosho kwaye ibone ixabiso lesabelo sayo.
Xa ukulingana kunye neentengo-mali ezingenakunyuswa ziqhuba kakubi, oko kwenzeka ngokubanzi kwiimjikelezo, ixabiso lemarike yezinto ezininzi ezinokuthi zitshintshe amanqanaba awayecingayo ngaphambili.
Ngaphandle kokuba umntu obolekayo eninzi intsalela yemali engenayo ngaphandle kwemvume yokuxhasa umbolekiso, okanye i-securities exhasa inkxaso-mboleko iqulethe i-asethi njenge-short-term ye-US Treasury bills, oku kunokubangela ukuba ibhanki ibize umnqweno-mali. Oku kunokubangela ukunyanzeliswa kwamanyathelo omboleki kumanani angabonakaliyo. Umboleki sele sele enokukhetha ukuthenga nokubamba kuye, kwaye akanalo ukhetho lokulinda imarike ukuze abuyele.
Enye ingozi ngeemali-mboleko ezixhaswe ngumnini-mboleko angasayi kukhulula ngokukhuseleko oluthile olusebenza njengonobumba. Ngokomzekelo, cingela ukuba unobhloko olukhulu lwesitokethi kwinto eyayiyinkampani ehlonishwayo, njenge-Eastman Kodak. Njengoko iikhamera zedijithali zonakalisa inzuzo yenkampani, ibhanki inokuthi isigqibe ukuba ayiyi kusamkela i-Eastman Kodak njengobuncwane. Kufuneka ukuba uthengise amasheya akho e-Eastman Kodak kwaye utyalomali imali kwizinto ezamkelekileyo kwiimfuno zokubambisa umthengi, okanye kufuneka ube negalelo lentlawulo eyongezelelweyo kwi-akhawunti ekhuselekileyo eyabambe iqabane lakho ukuze ubalekele ukuba umgca wakho wekhredithi ncitshisiwe okanye i rhoxiswe. Ukunciphisa ezinye iintlobo zemingcipheko, iimali-mboleko ezixhaswe ngemali-mboleko nazo zinomqobo obalulekileyo: Umboleki akakwazi ukusebenzisa imali ukuhlawula phantsi kwetyala lomda okanye ukutshala imali kwezinye iziqinisekiso.
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.