Imirhumo kwiNgeniso yeMali
Kula mathathu, eli rhafu lilula ukuqonda. Inzala yokuba imali yebhanki ifunyenwe ngokutyalomali kwabo kunye nokuhlawula kwabo abanini-zimali kuthathwa njengengeniso-mali kwaye ihlawulwa kwinqanaba likaRhulumente kunye nelizwe.
Kukho izibini ezibalulekileyo kulo mgaqo. Okokuqala, inzala evela kwii- Nondyebo zase-US ezigcinwe kwiimali zengxowa-mali ziya kuxolelwa kwiirhafu zombuso. Okwesibini, inzala evela kwiimali zebhanki zikamasipala ingahlawulwanga kwinqanaba lezemfundo kwaye, ukuba ingeniso yebhanki ekhutshwe yiyo yokuhlala, ingahlawulwanga kwinqanaba likaRhulumente. Ukuze ufumane iinkcukacha zesikhwama somntu ngamnye, funda i-prospectus okanye ufonele inkampani yokukhupha i-fund ukuqinisekisa ukuba uyazi kakuhle oko ufumanayo.
Iimali eziNkunzi zeNkunzi eziNyaka eziNyaka ngamnye
Kuwo wonke unyaka ngamnye, iimali zetyala ziya kuthengwa kwaye zithengise izibambiso, ngamanye amaxesha zifumana inzuzo kwaye ngamanye amaxesha zilahlekelwe. Ukuba iimali zidlula ilahleko, umphumo uyinzuzo eyinkunzi kwingxowa-mali. Le ntlawulo ihlawulwa kwabanikazi abanini-mali ngendlela yokuhambisa, ngokuqhelekileyo ekupheleni konyaka kodwa ngamanye amaxesha kwamanye amanqaku kuwo wonke unyaka. Intengo yesabelo seengxowa-mali ishintshelwe phantsi kwi-akhawunti yonikezelo lwenzuzo enkulu.
Kukho iintlobo ezimbini zeengeniso-mali: ixeshana elifutshane (ukwenzela ukuba iziqinisekiso zigcinwe ngaphantsi konyaka) kunye nexesha elide (kulabo abanjwe ngaphezu konyaka).
Khawuqwalasele lo mzekelo wendlela inzuzo eyinkunzi ngayo. I-ABC Fund, enexabiso le-asethi eli-$ 10.00 ekuqaleni kwelo nyaka, lithenga amabhondi amabini. Ngamanye aphakama ngama-10% kwixabiso.
Le ngxowa-mali inokubambisana kunye nokuphela konyaka, kodwa ithengisa okwesibini. Ekupheleni konyaka, ixabiso lexabiso leengxowa-mali li-$ 11.00 (kubonakalisa inzuzo ye-10% yobunini bayo). Nangona kunjalo, isiqingatha saloo mali ye-$ 1 sazaliseka (ngokuthengiswa kwesibophelelo sesibini) kwaye ke ngoko, ityala. Ingxowa ihlawula i-50 engama-cent yokusabalalisa kwi-gain gain, kwaye umtyalo-mali kufuneka ahlawule irhafu yengeniso-mali (kulo mzekelo, kwintlobo yexesha elifutshane). Intengo yesabelo seengxowanhla iyahla ku-$ 10.50 ukubonisa ukusabalaliswa kwepesenti ezingama-50.
Imali eyinzuzo eyinzuzo xa iFund Ithengiswa
Ukuhlawula iirhafu ezimbini ezikhankanywe ngasentla kuzinyamekela iimfuno zomtyalomali kunyaka othile wekhalenda. Kodwa kusekho umba we-50-cent inzuzo kwi-fund value ukusuka kumzekelo ongentla. Le yintsimi ehlala ihlanganiswe kwixabiso lentengo ye-mali, kwaye ukuba umtyalomali kufuneka ahlawule ekuthengiseni i-fund.
Ngenxa yokulula, masithi ABC Fund ayikho enye imisebenzi eqhubekayo kodwa ezo zibini zichazwe kwicandelo elidlulileyo. Umtyalomali uthengisa iNgxowa-mali ngoFebhuwari wonyaka emva kokuthenga kwakhe okokuqala nge-10.50 isabelo. Ekubeni umtyalomali uhlawule i-$ 10.00, ama-50 entente eseleyo ihlawuliswa njengenzuzo enkulu (kulo mzekelo, i-long capital benefit since the fund isithuba esingaphezu konyaka).
Isiphelo
Indlela elula yokucinga ngale ngongoma kukuba nayiphi na ixesha owenza imali kwingxowa-mali, uya kufuneka uhlawule irhafu. Kungenzeka kube sekupheleni konyaka wekhalenda, okanye mhlawumbi xa uthengisa i-fund, kodwa uMalume uSam uza kuthatha unqumle.
Oku akuthethi ukuba awukwazi ukusebenza ukuze unciphise irhafu yakho, nangona kunjalo. Ukufunda iindlela zokunciphisa umrhumo wakho werhafu, jonga indlela yokunciphisa iintlawulo kwiiNkxaso zeMali eziNye: eziliNdlela ezili-10 zokunciphisa uMthetho oYilwayo weRhafu .
Ukuziphendulela : Njalo qhagamshelana neengcali zerhafu ngaphambi kokwenza izigqibo zotyalo-mali.