Ukunciphisa ukunyanzeliswa kwezivuno kunye nomngcipheko ngeqhinga lobuqili
Enyanisweni, iimali zebhondi azinikezeli ngamnye umtyalomali owaziwayo imihla yokukhula apho nakwiimeko ezinzima kakhulu, umtyalomali ubuncinane ubuyisela inqununu yakhe. Njengaye nayiphi na enye ingxowa-mali, isikhwama se-bond sinokulahlekelwa yimali oyibekele yona.
Isicwangciso sobuqili somntu ngamnye, ngakolunye uhlangothi, sibambe inani eligqityiweyo leebhonksi, elowo lunexesha elivakalayo lokukhula . Ngenxa yoko, kwiimeko ezininzi nangona imeko yezoqoqosho iphendukela kumabhondi, unako ukubamba izibopho zakho ekuvuthweni kwaye ekugqibeleni ufumane ukubuyela kwakho kwenqununu.
Isicwangciso seBond Bullet
Umtyalomali osebenzisa isicwangciso seqhinga ukuthenga izibophelelo ezininzi ezivuthiwe ngexesha elifanayo. Ngokujolise ekukhuliseni oku, umtyalo-mali uzimisele ukutyalo-mali kwicandelo elithile le- curve isivuno- ngoko igama elithi "bullet".
Nangona zonke iibhondi zigcinwe kwi-bullet isukhtifoliyo yesikhokhethi esikhulileyo ngexesha elifanayo, zonke zithengwa ngamaxesha ahlukeneyo - njengezinye izicwangciso ezimbini, i-ladder, kunye ne-barbell, icebo le-bullet linciphisa impembelelo yezinga lokutshintshiselwa kwamanani kwimida .
Ngokomzekelo, umtyalo-mali uthenge isibophelelo seminyaka eli-10 kunyaka owenziwe, aze enze ukuthenga okulandelayo kwiminyaka emithathu kamva (ngeli xesha, ibhondi ejoliswe ukuvuthwa kwiminyaka esixhenxe). Ukuba amaxabiso aphakama ngexesha lokungena, umtyalo-mali uza kufumana umlinganiselo ophezulu kunokuba ngaba uthe watyala imali yonke iphothifoliyo kunyaka wokuqala.
Ngokwemvelo, iirhafu nazo zingawela ngexesha leeminyaka emibili, oku kuthetha ukuba umtyalo-mali uza kufumana umgangatho ophantsi kwaye uza kuba ngcono nangendlela eyahlukileyo. Nangona kunjalo, injongo ephambili yokuthengisa ukuthenga "ukuhlambalaza," okanye ukukhusela, ngokubhekiselele kwimiba enokuthi ikwazi ukuphakama ngokukhawuleza ngexesha lexesha apho iqhinga lebhubhiso lisebenza khona. Njengesiqhinga, asikho into ekhethekileyo yecala - ayiyi kuba yinto yokubetha ukuthenga ibhondi enye - kodwa ikhuselekile kakhulu kwaye zombini iyaqinisekisa ukubuyiswa kwenqununu kwaye ikukhusela kwinqanaba le-risk rate.
Omnye umzekelo: umnini-mali uyazi ukuba intombi yakhe iya kukholeji ngo-2024. Uyise, efuna ukugcina inqununu ekhuselekile, ukhetha ukutyalomali kwizibophelelo kunokuba i- stocks kwaye ikhetha ukusebenzisa isicwangciso seqhinga. Kule meko, ubaba utywala amaxesha ahlukeneyo amahlanu: ngo-2014, ngo-2016, ngo-2018, ngo-2020, no-2022, ngexesha ngalinye ukuthenga enye okanye iimbophelelo ezingaphezulu kwezi-2024.
- Utata lomfundi akudingeki ukuba eze nazo zonke iimali ngexesha elifanayo ukuze afake isicwangciso seqhinga lokusebenza. Ukuthengwa kwezibophelelo kwenzeka ngaphezu kweminyaka emithandathu yeminyaka.
- Ngenxa yokuba imihla yokuvuthwa yaziwa kwaye, ngokwenene, ikhethiweyo ukuba ihambelane neemfuno zeentombi zekholeji, ubaba uyayifumana inqununu xa eyidinga, ehlala ekhuselekileyo njengoko icebo lebhubhiso liqhubela ekukhuliseni izibophelelo.
Abatyalomali abazi ukuba baya kufuna imali ngexesha elithile (njengokomzekelo wokufundiswa kwekholeji okanye umhlalaphantsi) kwaye abangayidingi imali kude kube lelo xesha badla isicwangciso seqhinga.
Qhubeka ukhumbule, nangona kunjalo, ukuba isicwangciso seqhinga asikhuseli kumngcipheko wemboleko . Njengamaxesha onke, umngcipheko wokutshala imali kwiibhanki zamabakala aphantsi ungakwandisa ukubuyela kwakho, kodwa kwakhona umngcipheko wokungagqibekanga.