Utyalo-mali oTshintshe kakhulu kwiNgxowa-mali ngamnye ngonyaka
Kwakuyi-Zvi Bodie, uNorman no-Adele Barron uProfesa woLawulo kwiYunivesithi yaseBoston, kunye nombhali weencwadi ezininzi kuquka i-Risk Less and Prosper esandul
Yintoni Endiyenza Iimali Ezikhulu Kangako?
Emva kokuva iingxabano zakhe, ndimele ndithi ndivumelane naye. Iibhondi ziza kunye neziqinisekiso, inzala ehlengahlengiswa kwemali yerhafu, kwaye emva konyaka omnye, ukuthengiswa kwempahla. Oku kungaba yenye yezimali ezigqithiseleyo ukonga.
Ngezantsi zikhona ezinye iingcamango malunga nendlela yokusebenzisa iibhonki njengotyalo-mali olukhuselekileyo kumhlala-phantsi kunye nocwangciso lotyalo-mali.
Ndibondla njenge-Investment Safe kwi-Your Emergency Fund
Iibhondi zenza isikhwama esiphuthumayo sesibini esikhatywayo. Ndiyicacile yesibili ngenxa yokuba awukwazi ukuzithengisa ngeenyanga ezili-12 zokuthenga, ngoko ufuna ezinye iimali ezixhamliweyo ukuzithemba xa ukhawuleza i-stash ye-Bonds.
Into eninzi ongayithenga i-$ 10,000 ngonyaka ngomntu ngamnye. Unokuvula i-akhawunti ngqo kwiNondyebo kwiNondyebo. Inzala yerhafu echaziweyo. Andiboni nto engacacangayo ekwakheni i-Bonds ebalulekileyo, kwaye ndiyavuma kunye ne-Zvi ukuba wonke umntu afune ukuthenga isixa esikhulu samabhondi ngamnye ngonyaka.
Ukuba ukhangeleka kwi-Intanethi kwi-Bond rates, ithi amazinga ahleliweyo ngo-2011 no-2012 ayenzi. Ungavumeli oku kukukhohlise. Kukho nexabiso lokunyuka kwexabiso elithengiswayo, kwaye ukususela ngoMeyi 2012-Oktobha 2012 bekuyi-1.10, oku kuthetha isantya sonyaka se-2.20%. Kuphi enye indawo onokufumana i-2.2% yentlawulo eqinisekisiwe yerhafu ngokukhuseliswa ngokukhuselekileyo kunye nokusetyenziswa kotyalo-mali okwangoku ngoku ulwazi ukuba ixabiso liya kunyuka, izinga lakho liyakuthi likhuphuke?
Yiloo nto eyenza ndibe neBond yeyona nto ikhuselekileyo, imali-mali oyifumanayo ngoku.
Funda okunye: Iisiseko zeBond kunye nendlela yokuSebenzisa iiBond .
Sebenzisa ii-Bonds ukuxhaswa ngeeNyanga zeMpilo zeNyanga
Iindleko zeeprojeyam zezempilo kunye neendleko zangaphandle kwexesha lokuthatha umhlala-phantsi ziya kuhamba malunga nama-3 500- $ 5,000 ngonyaka ngomntu ngamnye. Ukuba uqala ukuthenga i-$ 3,000-$ 5,000 ngonyaka we-I-Bonds ngoku, njengoko inzala abayifumene ihlanganiswe nokunyuka kwemali, unokuqalisa ukuyifaka imali emva komhlala phantsi ukuze uqiniseke ukuba u-investments adjusted-inflation-adjusted available to cover iindleko zomhlalaphantsi.
Funda kabanzi: Ukunyuka kweendleko zezeMpilo kunye nendlela yohlahlo lwabiwo mali .
Indlela yokuthenga Iibhonki
Unokuvula i-akhawunti kwi-intanethi kunye ne-Treasury Direct, udibanise kwi-akhawunti yakho yasebhanki, kwaye udlulisele imali ukuze uthenge inani elincinci leMigangatho yonyaka.
Funda ngakumbi: Indlela yokuThengisa ukuThengiswa koThengi ngokuPhezulu .
Kuthiwani ngee-BIPS Bonds?
Iimfuno zeBIPS (ezibhekiselwe njengemali yokukhuselwa kwemali ekhuselweyo kwexabiso lemali) zihluke kunamabhanki. Ngokungafani namabhonkco, inzala kwi-TIPS ayifakwanga yerhafu ukwenzela ukuba le sithuthi ibe neyona nto ingcono kwi-akhawunti elandelwa ngerhafu njenge-IRA okanye i-ROTH IRA. Ngelishwa, awukwazi ukuvula i- akhawunti ye-IRA ngqo kwi-TreasuryRirect, ngoko i-TIPS kwi-IRA yakho kufuneka ithengwe nge-akhawunti ye-brokerage.
Funda kabanzi: I- TIPS vs IBonds .
Ukongezwa kwezibonelelo ezongezelelweyo ukwenza utyalo-mali olukhuselekileyo, ndiza kukucebisa ukuba ukhangele uluhlu lweeVu.