Funda ngeengozi zeTIPS kunye ne-Exchange-Traded Funds (ETFs)
Iingcebiso ze-TIPS zomntu ngamnye zingabandakanyeka kwicandelo lephothifoliyo kubalimi-mali abafuna ukugcina amandla abo okuthenga.
Kodwa i-TIPS, nangona ikhutshwa nguRhulumente wase-US, ayinayo ingozi enkulu-ingakumbi ukuba ukhetha ukufikelela kwiklasi ye-asethi ngemali yokubambisana okanye i - ETFs.
Izingozi zokutshala imali kwiiTIPS eziZodwa
Ekubeni i-TIPS ixhaswa ngokholo olupheleleyo kunye nekhredithi yoorhulumente waseUnited States, babonwa njengabakhululekileyo benengozi yemboleko -ngamanye amazwi, abatyali-mali bayaqinisekiswa ukuba bafumana yonke inzala kunye nenqununu ezayo kubo.
Nangona intengo ye-TIPS ibhondi iya kuguqulwa phakathi kwexesha apho ikhankanywe ngalo kunye nomhla ekukhuliseni ngayo , umntu ogcina ukukhula ade ahluthwe yile ntlawulo yexabiso. Nangona kunjalo, eli nqanaba elincinci lokungabi nantoni linako ukukhupha umba umntu uthengisa ibhondi ngaphambi komhla wokukhula. Kule meko, akaqinisekanga ukuba uyayifumana ixabiso lentengo yebhanki kuba ixabiso layo lemarike lingaphezulu okanye ngaphantsi kwexesha lokuthengiswa.
Omnye umngcipheko we-TIPS wukuthi i-CPI esemthethweni ayiphumeli ukulandelela ukunyuka kwamaxabiso okwenene okanye ukunyuka kwexabiso lemveliso okanye iinkonzo ezifunwa ngumtyalomali. Kule meko, kukho ithuba lokuba inxalenye yokukhuselwa kwexabiso lentengo kumabhonkqo ayinako ukukhusela amandla okuthenga okwenene.
Umngcipheko wesithathu yithuba eliqhelekileyo lokungena kwamaxabiso okanye ukwehla kwamanani. Kule meko, abatyali-mali baya kuba bathengise i-TIPS - ixabiso lokuqhubela phambili-kuba bekungekho mfuneko yokukhuselwa kwemali. Oku kwenzeka ngokwenene ngexesha lobunzima beengxaki zemali ngo-2008, xa ukwesaba kwemali yehlabathi ephazamisayo kuphakamisa amathuba okuchasana kwaye kwakhokelela ekuhlahlokeni okubukhali kwixabiso le-TIPS ekwindla konyaka. Ukuchasisa ithuba elide lokubhenca, kodwa elinye liyakuqwalaselwa.
Izingozi ze-TIPS Mutual Funds kunye ne-ETFs
Ngelixa i-TIPS iza kusebenza njengoko kuhloselwe abatyali-mali abathengayo izibophelelo zabanye baze babambelele ekuvuthweni, abo babamba i-TIPS ngeemali ezixhamlayo okanye ii-ETF zijongene neengcipheko ezahlukeneyo zobungozi.
IiNgxowa zibonelela ngexabiso lokukhuselwa kwexabiso lokunyuka kwamaxabiso ngokwexabiso lokuba ixabiso eliphambili leebhonki ezigcinwe yimali ziya kulungelelanisa phezulu kunye nokunyuka kwamaxabiso. Nangona kunjalo, ngokungafani namasheya ngabanye, iimali zebhanki azikho ixesha lokukhula . Oku kuthetha ukuba abatyali-mali abayiqinisekisiwe ukubona ukubuyela okupheleleyo kwinqununu. Kwaye ekubeni i-TIPS iyanqabile kakhulu ukunyuka kwezinga lentengo, ixabiso le-TIPS mutual fund okanye i-ETF inokutshintsha ngokubanzi ngexesha elifutshane kakhulu.
Umzekelo oyintloko wale ngozi wenziwa ngoNovemba-Disemba ka-2010.
Ngaloo nyanga-nyanga ezimbini, ubophelelo luvelisa phezulu njengoko amaxabiso awa, ukuqhuba isivuno kwi-10 ye- US Treasury note evela kwi-2.61% ukuya kwi-3.31%. Ngelo xesha, i-TIPS enkulu ye-ETF, i-iShares Barclays Bonds ye-TIPS Fund (i-ticker: TIP) ibuyele -3.2%. Le ngxowa-mali yaxutywa kwakhona ngenxa yokulahlekelwa kwe-7.8% ngo-Meyi-Juni 2013 phakathi kwesiqu esifanayo kwiingxowa-mali
Ezi lahleko zinentsingiselo kuba ukunyuka kwamaxabiso kuqhubekile kwi-1-3% kwimihla yakutshanje. Ngenxa yoko, akuthathi ilahleko enkulu yokukhupha umgangatho wokukhusela kwii-TIPS iimpahla.
Iimali ze-TIPS Zinalo Ukukhuselwa Kwemveliso Yonyango
IINKCUKACHA zezimali zijongene nezinye iindwangu zentloko: ukunyuka kwamaxabiso okunyuka ngokubanzi kukhokelela kumazinga aphezulu, okulingana namaxabiso ahlula ukwabelana ngeengxowa-mali ze-TIPS kunye ne-ETFs. Naliphi na isicatshulwa sokuthi ukunyuka kwamaxabiso kuya kunyuka kuya kubakho ukukhokelela ekunciphiseni kwexabiso leNondyebo (gcinani engqondweni, amaxabiso kunye nezivuno zihamba ngendlela echaseneyo ), okuya kuba nzima kakhulu kumaxabiso e-TIPS kunye nemali efaka imali kubo.
Ngaloo ngqiqo, iifayile ze-TIPS zibonelela ngokwenene oko abatshali-mali abaninzi abanokuzilindela: kunoko ba khusela ukunyuka kwamaxabiso, baya kwenene bakwenzakala. Iimali ze-TIPS ezifutshane, iimpembelelo ziya kuba nzima kakhulu.
Gcina ukhumbule, le nto yinkinga kuphela ukuba amaxabiso aphakama. Kodwa ngokuvelisa kakade kumazinga aphantsi kakhulu , abatyali-mali kwii-TIPS iimali bathabatha ithuba lokuba utyalo-mali lwabo aluyi kuphila ngokulindelekileyo.