Iimpawu zeNqanaba elifunekayo loTyalo-mali

Ukuqonda Indlela abaTyalo-mali beRational baxabisa ngayo ukuhamba kwemali

Kwiingqinisomali zezemali, izinga lokubuyisela apho utyalo-mali olwabiwo-mali luyingqungquthela yezinto ezinhlanu ezahlukeneyo. Kwixesha elifutshane, oku kungenangqiqo kodwa ngaphezu kwexesha elide, amaxabiso asethi ahlala ebonisa kakuhle. Kulabo bafuna ukufunda ukuxabisa amasheya, qondani ukuba kutheni ukuthengiswa kweentengo kumaxabiso athile, okanye nokuba ungayikhokha njani indawo yokubambisana yabucala, le ngxenye ebalulekileyo yesiseko.

1. Inzala Yenzuzo Yengeniso Yengozi
   Le nqanaba apho zonke ezinye izityalomali zithelekiswa. Ingeniso yokubuyisela umtyalo-mali unokufumana ngaphandle kwengozi ehlabathini ngaphandle kokunyuka kwamaxabiso.

2. Ixabiso lokuQala kweMali
   Eli lizinga elongeziweyo kwi-investment ukuze lilungele ukukulindela kweemarike kwexabiso lemali elizayo. Umzekelo, i-premium yexabiso lokunyuka kwexabiso elifunekayo kwintsebenziswano yonyaka omnye ibingaphantsi kakhulu kunesibophelelo seminyaka engamashumi amathathu yenkampani yinkampani efanayo kuba abatyali-mali bacinga ukuba ukunyuka kwamaxabiso kuya kuba phantsi ngaphantsi kwexesha elifutshane, kodwa liza kuthatha ixesha elizayo ngenxa yokulahleka kwezorhwebo kunye nebhajethi yeeminyaka edlulileyo.

3. I Premium yobungozi
   Utyalo-mali oluthengiweyo olunjengeentengiso kunye neebhondi kwiinkampani ezilawulwa yintsapho zifuna i-premium ye- liquidity . Okokuthi, abatyalo-mali abayi kuhlawula ixabiso elipheleleyo lexabiso xa kunokwenzeka ukuba abanako ukulahla isitokisi okanye ukukhonkxa ngexesha elifutshane kuba abathengi banqabile. Oku kulindeleke ukuba bahlawulele loo ntlawulo. Ubungakanani bentlawulo ye-premium yixhomekeke kumbono womtyalo malunga nendlela esebenzayo ngayo imarike ethile.

1. I-Premium Risk Premium
   Ngaba kwenzeka ukuba abatyali-mali bakholelwe ukuba yinkampani iya kufezeka kwiimbopheleleko zayo okanye iya kuphawulwa? Ngokuqhelekileyo, xa iimpawu zenkxwaleko zibonakala, izabelo zeenkampani okanye iibhondi ziya kuqubuka ngenxa yotyalo-mali abafuna i-premium yengozi. Ukuba umntu wayenako ukufumana iimpahla ezazithengisayo kwisaphulelo esikhulu ngenxa yempesimenti engapheliyo eyingozi kakhulu, ingawenza imali eninzi. Iinkampani ezininzi zolawulo lwee-asethi zithengile i-share ye-Eron yeebhanti zenkampani ngexesha lexesha elidumeleyo elidumileyo. Ngokwenene, bathenga i-$ 1 yeetyala ngeepenki ezimbalwa kuphela. Ukuba banokufumana okungaphezulu kunokuba bahlawule xa kwenzeka ukucinywa okanye ukulungiswa kwakhona, kunokubanceda kakhulu, batyebile kakhulu.
   
   U-K-Mart ngumzekelo omhle. Ngaphambi kokutshatyalaliswa kwayo, umphathi we-hedge fund u-Eddie Lampert kunye noxanduva oluxinzelelekileyo lweengxowa-mali uMarty Whitman weeNgxowa zeThathu zeNdawo, wathenga inxalenye enkulu yetyala lomthengisi. Xa inkampani ihlelwe ngokutsha kwi-inkundla ye-bankruptcy, abanini-matyala banikwe ubulungisa kwinkampani entsha. ULampert wasebenzisa ibhloko lakhe elitsha lokulawula i-K-Mart nge-bhanti yakhe ephuculweyo ukuqala ukutyalomali kwezinye iimpahla.

1. UkuQala ukuQala
   Okuqhubekayo ekuzayo ukukhula kweebhondi zenkampani, ixabiso elininzi liya kuguqulwa xa amazinga omyinge atshintsha. Kungenxa yokuba i-premium yokukhula. Nantsi inguqu elula kakhulu ukubonisa umxholo: Cinga ukuba unesibophelelo se-$ 10,000 kunye nomvuno we-7% xa kukhutshwa okuza kukhula kwiminyaka engama-30. Unyaka ngamnye, uza kufumana i-R7 700 ngomdla kwi-imeyile. Iminyaka engamashumi amathathu kwixesha elizayo, uza kufumana i-$ 10,000 yakho yangaphambili. Ngoku, ukuba uhamba ukuthengisa ibhondi yakho ngosuku olulandelayo, mhlawumbi uza kufumana isixa-mali esifanayo (ngaphantsi, mhlawumbi, i-premium ye-liquidum njengoko sele sithethe ngaso.)
   
   Cinga ukuba iirhafu zenyuka zifikelela kwi-9%. Akukho mtyali-mali oya kumkela i-bond yakho, evumela i-7% kuphela, xa ihamba ngokuthe ngangoko kwiimarike ezivulekileyo kwaye ithenge intsebenzo entsha evelisa i-9%. Ngoko ke, baya kuhlawula kuphela intengo ephantsi kunebhanki yakho ifanelekile - kungekhona i-$ 10 000 - ukwenzela ukuba isivuno sibe ngama-9% (mhlawumbi i-$ 7,775.) Yingakho iimbopheleleko ezineemali ezide ziphantsi komngcipheko omkhulu wokuzuza imali okanye ilahleko. Ukuba iimfuno zahla, umnini-bhondi wayeza kuba nokuthengisa indawo yakhe ngaphezulu - uthe amazinga awela ku-5% kwaye wayenokuthengisa nge-14,000. Kwakhona, le nguqulelo elula kakhulu yendlela eya kwenziwa ngayo kwaye ngokwenene i-algebra ibandakanyeka kakuhle kodwa iziphumo zifana ngokufanayo.

Indlela Ezi Zihlanu Ezixhamli zeNqanaba elifunekayo loMbuyiselo lokubuyela lihlangene kunye

Hlalani nikhumbula ukuba akukho mntu unokuhlala kwaye athi, "Uyazi, ndicinga ukuba ndiza kuhlawula i-premium ye-premium ye-x%." Kunoko, bahlala bebukeka kwisitokisi, isibophelelo, i-fund fund , ukuhlamba imoto, ihotele , i-patent, okanye enye i-asethi uze uyiqhathanise nexabiso apho lirhweba khona kwimarike. Kule ngongoma, imithetho yokubonelela kunye nokufunwa kudlalwa ngokukhawuleza kufikelelwe ukulingana.

Ukufumana ulwazi oluthe vetshe, jonga inkcazo ye- 3 ye-Bond Investments Strategies for Investment Term-Termors ukuthabatha ezinye iindlela ezingakunceda ukuba wenze imali, kwaye unciphise umngcipheko, kwi -portfolio yakho engenayo .