Indlela yokuzuza kwiNgeniso yeBond ye-Bond Free
Uninzi lwabatyalo-mali bathenga izibophelelo ngezizathu ezibini ezibalulekileyo: Zikhuselekile kwaye zibonelela ngeniso. Iibhondi zinganika ukuzinza kwipotfoliyo yakho ukukhawuleza ukungabi nantoni kwezitokisi ngelixa zisenza iholo elikhoyo okanye elizayo.
Abatyalomali abaqhelekanga kubakhonkco kuma-stocks, kodwa nangona oko kwenzeka ngexesha elide. Umsebenzi oyintloko wokugcina izibophelelo kwipotifoliyo ukufikelela ukuzinza kunye neengeniso.
Kodwa ke kukho umcimbi werhafu. Ukuba unamasheya, awuhlawuli irhafu ekuhlaleni kwakho de uze uthengise, kwaye ke uhlawuliswa kuphela kwizinga elizuziweyo. Kwaye izabelo zifumana unyango lwerhafu olukhethekileyo. Kodwa asikho imeko ngeebhondi.
Isimo soRhafu
Iibhondi zingaba nemiphumo yerhafu ngokukhawuleza kuba ufumana imali engenayo kubo kabini ngonyaka. Nantsi indlela irhafu yerhafu ephuka ngayo uhlobo olusondelene ngalo:
- Imiba ye-Nondyebo yase-US : La manqaku kunye neendleko zivelisa uxanduva lomrhumo wentlawulo karhulumente, kodwa akukho ntlawulo yengeniso karhulumente okanye yengingqi.
- Iimali zeMasipala: ii- Municipals, ngamanye amaxesha ezibizwa ngokuba yi-munis, zihlawulelwa irhafu kwi-federal level. Ukuba uthenge kubo kwimeko apho uhlala khona, banokukhululeka kwiirhafu zorhulumente kunye neendawo zendawo. Ngamanye amaxesha abizwa ngokuthi "i-triple ezamahala" kwesi sizathu.
- Iibhanki zenkampani : Izibophelelo zentsebenziswano azinazo izibonelelo zentlawulo.
- Iibhondi ze-Coupon Zero : Izibophelelo ze-coupon zithengiswa kwixabiso elincinci kwaye azihlawuleli inzala yonyaka. Inani elipheleleyo lobuso lihlawulwa ngokukhula. Kodwa kukho ukubamba. I-IRS idibanisa "i-interest" yenzalo yonyaka kwi-bond kunye kwaye uxanduva malunga naloo mali nakuba ungayifumana impela ukuze uxoxe. Ewe, ufunda oko ngokuchanekileyo. Uhlawuliswa ngoku kwintlawulo ongayifumanga okwangoku kwaye awukwazi ukufumana iminyaka ezayo.
Njengoko uyakubona, izibophezelo zikamasipala ngokucacileyo yintsebenziswano engcono yerhafu. Isivuno kwi-munis sibonisa le ntlawulo.
Yenza iMathe
Kukho indlela ekhawulezayo yokujonga indlela utyunjwa ngayo umasipala kamasipala kunye nesitokisi kwisiseko serhafu emva kwexesha-oko, emva koko, kukuphela kwesiseko esenzayo. Unokuqulunqa ukulingana nokuhlawulwa kwebhanki kamasipala ngokusebenzisa le fomyula:
Bonisa umlinganiselo wakho wokuhlawula irhafu , yinto oza kuhlawula ngayo kwi-dollar elandelayo yengeniso oyifumanayo. Mthintele kwi nombolo 1. Emva koko ulwahlula umvuno we-muni ngesiphumo sokufumana ixabiso elilinganayo. Ngokomzekelo, ukuba uya kuba kwi-28 yepesenti yebhasi yerhafu kwaye uqwalasela i-muni ngesivuno sama-2.8 ekhulwini, ukubalwa kuya kubonakala ngathi:
0.028 / (1 - 0.28) = 3.89%
Lo mhlaba uza kukunika ukubuyisela okufanayo njengokhuseleko oluhlawulwayo oluhlawulela malunga ne-3.89 pesenti. Ukuba ungeze kwiirhafu zorhulumente kunye neendawo, kunokususa i-taxable equals tax return.
Isiphelo
Ewe, iifaki zihlala zihlala zibophelele kwixesha elide, kodwa ukuba ufuna ingeniso ekhuselekileyo kwimbuyekezo efanelekileyo, izibophezelo zikamasipala zifanelekile ukujonga iintlawulo zabo zerhafu.
Qaphela: Njalo qhagamshelana neengcali zezezimali malunga nolwazi oluphezulu kunye nolunye uhlobo. Eli nqaku alikho icebo lotyalo-mali kwaye alujoliswanga njengengcebiso-mali.