Gwema ezi Bond Mutual Funds Xa i-Fed iphakamisa amaRhafu enzala
Kodwa Okokuqala Ngamazwi Ambalwa Ngomngcipheko weNzala
Ixabiso leBond kunye neerhafu zenzalo zifana neziphelo ezimbini eziphikisanayo zokutshintsha: Xa elinye icala liphakama, elinye icala liwela.
Ngoko ke xa ixabiso lomyinge likhuphuka, ixabiso lesibhondi liyawa kwaye xa inani lamanani liwela, ixabiso lentengo liya kukhula. Ngoko ixesha elifanelekileyo lokutshala imali kwiibhondi kukuba xa izinga lokuhlawula ixabiso litshatyalaliswa kuba ixabiso (okanye ixabiso) lotyalo-mali lwakho lukhulayo.
Le nto ithatha ingozi yokutsalwa komngcipheko wentsholongwane , inomngcipheko wokuhlaselwa kwamanani amabhondi ngenxa yokunyuka kwamazinga enzala.
Nantso kutheni amaxabiso amabhondi awela xa amazinga enzala ekhulayo. Khawucinge ukuba ucinga ukuthenga umbophelo ngamnye (kungekhona i-fund). Ukuba izibophelelo zanamhlanje zihlawula inzala ephakamileyo ephezulu kunezibophelelo zezolo, uya kuthanda ukuthenga izibophelelo ezihlawulela inzala ephezulu namhlanje ukuze ufumane imbuyekezo ephezulu (isivuno esiphezulu okanye inzala).
Nangona kunjalo, unokuqwalasela ukuhlawula iibhanki eziphantsi ezenzelwa umrhumo wenzalo ukuba umniki-mvume wayezimisele ukukunika isaphulelo (intengo ephantsi) ukuthenga ubophelelo.
Njengoko unokuqikelela, xa amaxabiso entlupheko enyukayo ekhulayo, amaxabiso amabhondi adala aya kulahla kuba abatyali-mali baya kufuna iikhuphaphu kwiintlawulo zomdala (kunye nezantsi). Ngenxa yalesi sizathu intengo yamabhanki ishukuthela kwindlela echaseneyo yemilinganiselo yemigangatho kunye neendleko zemali yebhondi zithintela kwizinga lentengo.
Iintlobo zeBond zeBond eziMbi kakhulu zeRhafu zeNzala
Indlela amaqumrhu asabela ngayo kwizinga lentengo linokulinganiswa ngentshiseko yabo yentswelo. Ngokuqhelekileyo, ixesha elide ixesha le-bond, ubuninzi bobubele. Ngako oko imali yemali yexesha elide ingenye yezona zinto zigqithiseleyo zokunyuka kwamaxabiso.
Ukuba amaxabiso enyukayo aphakama, ngubani ofuna ukuba neebhanki ezihlawula umhlalaphansi ongaphantsi kwexesha?
Umzekelo olula apha unesiqinisekiso seDistim (iiCD) . Xa ii-CD ezitsha ziphuma ngesivuno esiphezulu, umtyalo-zimali we-CD ufuna ukufaka endaweni yendawo endala nge entsha. Ukongeza, umtyalo-mali we-CD oza kuthenga ii-CD ezinokukhula okufutshane (okt unyaka omnye okanye ngaphantsi) ukuba balindele ukuba amazinga aqhubeke nokunyuka kunyaka ozayo. Ngale ndlela bangakwazi ukuhlaziywa kwizinga eliphezulu. I-Bond yokutshala imali kwizinga lokunyuka kwezinga lentengo lilandela imigaqo efanayo.
Mhlawumbi udidi lweengxowa-mali zentengo kunye nobuzwe obuphezulu kakhulu kwizinga lentlawulo yintlawulo ye-bond bond . Ngenxa yokuba izibophelelo ze-coupon ze-coupon azihlawuli umdla kwaye ixabiso lentengo lifanele ngenxa yokukhula, intengo yabo iyabakhathalela kakhulu kwizinga lentengo. Ngoko ke, kungekuphela nje ukunyuka kwezinga lentengo kwimimiselo, kubaluleke nakakhulu kwi-bond bond bond.
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.