Indlela yokukhetha iiNgxowa-mali eziPhambili eziPhambili zokuTyala imali kwiXesha elifutshane
Uninzi lwabatyalomali banamaphulo athile okugcina ixesha elifutshane kunye neemfuno zezemali kunokuba benze iinjongo zokutyalomali. Ezinye zezizathu eziqhelekileyo zokutyalomali kwixesha elifutshane ziquka ukufumana inzala engcono kunama-bhanki endala okanye ukuzama ukufezekisa ukubuyiswa okungaqhubeka nokunyuka kwamaxabiso.
Iinjongo ezifutshane zexesha elifutshane zingabandakanya iimali eziphuthumayo, iiholide, okanye phantsi kwentlawulo yokuthenga isithuthi.
Yiyiphi eyiyo i-Short-Term Investment?
Xa ufunda okanye uva malunga nokutyalomali kwexesha elifutshane , isigama sigama ngokubhekiselele ekutyalweni kwexesha elingaphantsi kweminyaka emithathu. Kubalulekile ukugcina engqondweni ukuba uninzi lwezobambiso zotyalo-mali, ezibandakanya iimasheya, iimali eziphathekayo, kunye nezinye iimbophelelo kunye neemali ezidibeneyo kunye nezibophelelwano, azifanelekanga ixesha lokutyalomali elingaphantsi kweminyaka emithathu. Ngenxa yoko kubalulekile ukwazi nokuqonda ukuba yiziphi iimali ezifanelekileyo ezifanelekileyo ixesha elifutshane kwaye ezingekho.
Ngokubanzi isitokethi kunye neengxowa-mali zakwa-stock are not suitable for investing short-term, Oku kungenxa yokuba iingxaki zokulahlekelwa lixabiso kweso sihlandlo sikhulu kakhulu kubaotyalo-mali ukubeka ingozi ekutshintsheni kwimbuyekezo ephezulu. Iingxowa-mali ezininzi zebhondi zifanelekile ukutyalomali kwexesha elifutshane. Nangona kunjalo, ukuba kukho nayiphi na ingozi ebonakalayo yokunyuka kwamaxabiso, abatyali-mali bangafuna ukuphepha iimali zebhanki ezide ixesha elide ngenxa yengqondo yabo yentengo.
Iimali zeMualual Funds ezifanelekile ukuTyala ixesha elifutshane
Abanye abatyali-mali kunye nolondolozo banokukhetha imali yeemarike zemali ukuthengiswa kwazo kunye nokhuseleko lwangqinelana kodwa iimali zebhondi ziza kubonelela ngokuthe ngqo kwezivuno kunye nokubuyiselwa kwexesha elifutshane elide lonyaka ukuya kwiminyaka emithathu.
Nazi ezinye zeentlobo zeengxowa-mali ezigqithisiweyo zokuqwalasela iinjongo zakho zexesha elifutshane lemali:
- Iifom zeBond-Term-Short-Term can be a choice choice for investors wanting yields higher than money currencies, but less risk interest rate than cash bonds. Kwimihlaba ethile, njengamaxesha okunyuka kwamazinga enzala, kunokwenzeka ukuba imali engama-short-term bond bond will not outform money money market. Ngoko ke umtyalo-mali uzakufuneka akhethe ngokucophelela phakathi kokubini. Ngokuqhelekileyo, iimali ezigqithisileyo zexesha elifutshane ziyakwenza ukubuyela kwe-2% ukuya kwi-3%, ngokukodwa ngaphezulu kwexesha leminyaka emibini okanye ngaphezulu.
- Iimali ezifutshane zeBond zexesha elifutshane zityalomali kwiibhondi ezinokukhula okungaphantsi kweminyaka engama-4. Abatyalomali abanomsocoko bathambekele ekuthandeni iimali ezinxulumene nexesha elifutshane ngenxa yokuba banomdla ophantsi. Nangona kunjalo, iifom zesikhonkco zexesha elifutshane zinemivuzo ephantsi ebuyisela ixesha elide kuneemali eziphakathi kunye nexesha elide. Isilinganiso esilinganiselweyo somvuzo sokulindela iminyaka engama-3 i-3% ukuya kwi-4% kwiimali zebhondi zexesha elifutshane. Eli nqanaba lokubuyisela liwanele ukulinganisa izinga lokunyuka kwamaxabiso.
- Iimali zeBond zexesha eliphakathi ngokuthe ngqo zityalomali kwiibhonksi ezineziphumo ezilinganayo phakathi kweminyaka emine neye-10, nangona le mali ebophelelweyo iyakulungele ixesha elingaphantsi kweminyaka emithathu Lezi zimali zebhondi zinikeza inhlanganisela yembuyekezo efanelekileyo, malunga nama-5%. Nangona kunjalo, gcinani engqondweni ukuba umngcipheko wezinga lomyinge uphakamileyo kwiimali zesikhonkqo-mali eziphakathi kwexesha elifutshane kunezo ezinomzuzu omfutshane. Ngoko ke, ukuba ixabiso lomdla kulindeleke ukuba likhuphuke kwixesha elisasa elizayo (kunye nexesha lokutsalwa kwexesha lokutsalwa kwezimali), abatyali-mali bangathanda ukuphepha i-bond-bond bond-bond.
Njengegama lokugcina kwixesha elifutshane lokulondoloza nokutyalomali, abatyali-mali kufuneka bakhumbule ukuba ukunyamezeleka kwengozi kudlala indima apha, njengokuba kutyalomali ixesha elide. Ngokomzekelo, ukuba umtyalo-mali akakhululekile ngethuba lokulahlekelwa inqununu ngexesha lokutyalomali / lokulondoloza, kungenokuba kufanelekile ukuba loo mtyalomali asebenzise izithuthi ezikhuselekileyo, ezongezelelweyo, njengeemali zemarike zemali, izatifikethi zepositi, okanye ibhanki ukugcina imali kwiimfuno zabo.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.