Musa ukuthenga ii-TIPS uze Ufunde Oku
Indlela Abasebenza ngayo
I-TIPS zikhutshwe ngokwemiqathango emihlanu, eyi-10 ne-30. Njengezinye iibhondi zeeNondyebo , isitishi sinquma inzala.
Nantsi indlela ezi zibophelelo zikhusela ngayo ukunyuka kwamaxabiso .
Kwimizuzu emibili ngonyaka, iSebe leNondyebo le-US liphakamisa okanye linciphisa ixabiso lekhoboka. Isisiseko sokwanda kwimiba yenguqu echazwe yiNkcazo yeNtengo yabathengi . Le ngxelo, eyapapashwa nyangazonke yi- Bureau of Labor Statistics , imilinganiselo yokunyuka kwamaxabiso okanye ukuchasana . Xa ukunyuka kwamaxabiso kuphuma, ixabiso lebhondi liyakhula.
Gcina ukhumbule ukuba izinga lomdla alitshintshi. Kodwa ufumana inkokhelo enkulu. Kungenxa yokuba isantya senzala esisigxina sisetyenziswe kwinqununu enkulu.
Ukuchasene kuyinyaniso ngamaxesha okuchithwa . Ukuba amaxabiso ahla, njengoko kulinganiswa yi-CPI, ixabiso le-TIPS liya kuncipha. Ngoku inqanaba elincinci lenzalo lisetyenziswe kwinqununu engaphantsi.
Unokuthenga i-TIPS ngqo kwi-Treasury yase-US ukuba uvula i-akhawunti ye-TreasuryDirect. Ungabamba i-TIPS ade ikhule. Ungabathengisa nabo kwimarike yesibini. Unokucinga ngokuthengisa xa ubona ukuchasana okuza kufikelela.
Iingcebiso zeTIPS
Njengoko unokulindela, i-TIPS yenza kakuhle ngexesha lokunyuka kwamaxabiso, nokuba nokuba ukunyuka kwamaxabiso kulindelwe. Abantu abakwiimarike zesekondari baninzi ukuhlawula ukhuseleko lwe-TIPS xa besaba ukunyuka kwamaxabiso. Ngenxa yoko, i-TIPS yenza kakuhle xa ixabiso le dollar liyancipha. Kungenxa yokuba i-dollar eyancipha ihlala ikhokelela ekunyuseni kwamanani.
Kungenxa yokuba amaxabiso angeniso angena njengoko idola lithenga ngaphantsi.
Nantsi inzuzo enhle ye-TIPS. Xa bekhula, ufumana inqununu ephezulu echitshiweyo. Awusoze wathola ngaphantsi kwinqununu yokuqala. Eli lungiselelo likukhusela ekuchaseni, ngenxa yokuba awusoze wathola ngaphantsi nangona amaxabiso ehla.
Ngokomzekelo, ukuba kukho ixabiso lokunyuka kwamaxabiso emibini ngexesha elithile ngexesha leTIPS, ixabiso layo liphakama. Xa i-TIPS ikhula, ufumana loo xabiso. Oku kunyanisekileyo nangona i-deflation ikhutshiwe kwinqununu kwiminyaka ezayo.
Enye inzuzo kukuba awuyi kulahlekelwa yinqununu yakho. IINKCUKACHA, njengazo zonke izibophelelo zeeNondyebo, ziyi-100 ekhulwini eziqinisekisiwe nguRhulumente wase-US.
Iingxaki zeTIPS
Isiqephu sokuqala seendaba ezimbi kukuba i-TIPS ikuhlawula kuphela imali engenayo . Basenokungenalo utyalo-mali njengalezo zibophelelo kunye neerhafu zentsingiselo ezitshintshayo ngokuzenzekelayo zenyuke kwaye ziwe ngezinga lemali lika-federal. Oku kuyinyani ngoku ngoku njengokuba urhulumente wesigqeba ucinga ukukhulisa inzala. Nangona izinga elimisiweyo lingasetyenziswa kwinqununu ephakamileyo, i-TIPS ayinakuguquguquka njengezibophelelo ngezinga elilungelelanisiweyo.
I-TIPS azikho utyalo-mali omkhulu ngexesha loqoqosho oluzinzileyo. Baya kubuya umlinganiselo wenzalo ephantsi kwinqanaba eliphambili xa uqoqosho luqhuba kakuhle, ngoko ke alufumaneki ukunyuka kwamaxabiso amaninzi. Lo mhlaba uchaza uqoqosho lwase-US ukususela ngowe-1970.
Ukuba ufuna ukubetha ixabiso lentengo, uya kuba ngcono kunye nephothifoliyo ehlukeneyo ebandakanya amasheya . Ngaloo ndlela, unokulungisa utshintsho lwe- asethi yakho ngokuhambisana neenguqu kumjikelezo wezoshishino .
IIMPAWU ngokubhekiselele kwiiBondon
Ndizibophelela ziChungechunge I-bonds zokulondoloza, ngelixa i-TIPS ziyibophelelo zeNondyebo. Oku kuthetha ukuba iimbopheleleko azikwazi ukuthengiswa kwimarike yesibini. Iibhondi zingathengwa nge-$ 25 xa zithengwa ngekhompyutha nge-TreasuryDirect. Awusoze walahlekelwa yinqununu yakho. Inzala ezuzwayo ayikhululekile kwerhafu yengingqi kunye neyengingqi. Kufuneka uhlawule irhafu yengeniso, kodwa, ngaphandle kokuba usebenzisa iibhondi zokuhlawula imfundo.
Enye into engalunganga kunye nam iimbopheleleko kukuba awufumani nayiphi na intlawulo yenzalo uze uhlawulele isibophelelo. Imali yakho ibanjelwe kwakhona ubuncinane ngonyaka. I-bond edibeneyo yenzelwe ukuba yi-investment yesikhathi eside.
I-Treasury yase-US ayiyi kukuvumela ukuba uyikhulule ubuncinane ubuncinane kweenyanga ezili-12. Kukho isohlwayo xa ukhulula yakho indibaniselwano engaphantsi kweminyaka emihlanu. Isohlwayo sinobumnene, nangona kunjalo. Nguyo kuphela inzala efunyenwe kwiinyanga ezintathu zangaphambili.
Omnye umehluko obalulekileyo yindlela abakhusela ngayo ukusuka ekunyuka kwamaxabiso. Inzala yemali kwi-intanethi iyilungisa ngokuzenzekelayo ukwenyuka kwamanani. Ingaba isebenza kanjani? Okokuqala, uqinisekisiwe izinga lokubuyisela elingenakuguqulwa. Okwesibini, izinga liya kunyuka xa kukho ukunyuka kwamaxabiso. Oku kungenzeka kabini ngonyaka ngoMeyi noNovemba. Kodwa akuyi kunciphisa xa kukho ukungcola. NgoMeyi, izinga liya kubonakalisa utshintsho kwi-CPI kubo bonke abathengi base-Urban ukususela ngoSeptemba kunyaka ongaphambili ukuya ngoMatshi. NgoNovemba, izinga liya kubonakalisa utshintsho kwi-CPI-U ukususela ngoMashi ukuya kuSeptemba.
Indlela elula yokuthenga iimbopheleleko kukuthengwa kwentengiso kwi-intanethi kwi-Rhulumente wase-US ngokusebenzisa i-Treasury Direct. Yonke i-elektronomi, ngoko akufanele ukhathazeke ngokulahlekelwa zibophelelo. Unokuthenga kwakhona iphepha edibeneyo neebhanki yakho okanye umcwangcisi wezemali. Nantoni na oyenzayo, ungayithengi indibaniselwano okanye nantoni na enye ibhondi kwi-eBay okanye enye inxalenye yesithathu. Ubunini bee bhonkceshi kusekhona umnini wokuqala, ngokugqithiseleyo ukuba urhulumente wephondo uchaphazelekayo. Umnini akakwazi ukuthengisa amalungelo akhe kubhondi kuwe. Yonke into oyithengayo isiqwenga samaphepha ongeke usikhulule. (Umthombo: "I-TIPS ngokubhekisele kwiIbonds")