Ngaba i-TIPS Mutual Funds kuwe?
I-TIPS iimali zentsebenziswano zinika ezininzi iingenelo kubatyalomali. I-TIPS zibophelelweyo ezikhutshwe nguNondyebo we-US ohlawula isigqithiso kwiinqununu ezilungisiweyo. Ubhonkco luhlengahlengiswa kwimizuzu engama-mihlanu kunye nomyinge we-Index of Price Index (umlinganiselo wokunyuka kwamaxabiso).
Ngoko, i-TIPS kuthiwa ihamba ngokuhambelana nokunyuka kwamaxabiso ngokubuyisela inqununu ehlengahlengayo xa ikhula kunye neentlawulo zekhuphoni endleleni.
Uyakhumbula ukuba iindleko zokuthunyelwa kwesitampu yayingu-1970? Kwakuyi $ .06. Ngaba uyazi ukuba iindleko zitampu ziyi-2009? Andikwazi ukukhumbula, kodwa ndiyazi ukuba yinto eninzi ngaphezu kweye-1970. Ukunyuka kwindleko yesitampu sokuposa kuyisibonelo somzekelo wexabiso lentengo.
Iiprojekthi zeeTIPS zeMali
Unako ukutyalo-mali kwiMali-mali eVikelekileyo kwiMali-mali ekhuselekileyo kunye nemali kunye kunye neenzuzo ezininzi ezixhaswa ngemali efana ne:
- Abaphathi bezakhono - Abaphathi bezeMali baya kwongeza ixabiso ngokukhangela i-TIPS eziphantsi kwexabiso kwiimarike zesekondari.
- Ukuchithwa kwee-TIPS kunye nokukhula okungafaniyo kuya kuba ne-TIPS fund eyenza iipotifoliyo ezahlukahlukeneyo.
- Ukuzonwabisa - Ngokungafani nokuthenga i-TIPS bond, isikhwama se-TIPS sinokuthengwa kwaye kuthengiswe ngexabiso elingaqhelekanga. Abatyali-mali abayi kufuneka ukuba baqalise i-TIPS xa bekhula, kodwa bangaqiniseka ukuba iifowuni ziza kubakho ukungena kwi-TIPS.
- Ukubuyiswa kwemali - Ngokuchasene ne-TIPS izibophelelo, inzuzo evela kwi-TIPS ingahlaziywa ngokuzenzekelayo kwingxowa-mali ngaphandle kwerhafu yokuthengisa.
I-Conserve ye-TIPS Fund
- Ukutshatyalaliswa kweentlobo - Ngokuchasene ne-TIPS izibophelelo, i-TIPS iimali ezixhasanayo azikwazi ukukhula, ngoko ke abatyalo-mali abafuna ukuphuma imali kufuneka bamkele ixabiso langoku (elingaba liphezulu okanye liphantsi kwexabiso elibekwe imali ekuqaleni).
- Imirhumo - Kukho iifizi ezihambelana nokuthenga i-TIPS iimali ezihlangeneyo ezihamba ngaphaya komrhumo wokuthengiswa ohlawulwe kwi-TIPS izibophelelo.
Iingcebiso Zentlawulo kwii-TIPS zokuThengwa kweeNgxowa
Abatyalomali kwii-TIPS iimali ezidibeneyo zihlawuliswa kwingeniso yonyaka yonyaka kunye nenani le nqununu echitshiweyo (oko kukuthi, ukwanda kwindleko eyintloko ngenxa ye-CPI) ngamnye ngonyaka. Ierhafu malunga nohlengahlengiso kubhekiselwa "njengengeniso yefantom" kuba umtyalo-mali akasenakufumana uhlengahlengiso ngendlela yembuyekezo okanye intlawulo yesahlulelo.
Iingxowa-mali ezininzi ze-TIPS ziza kuhlawula isahlulo esinqununu esikhethiweyo njengesahlulo, kodwa ukuba uyabuyisa kwakhona izahlulo, isicatshulwa. Awusayifumana isahlulo, kodwa uya kuhlawulwa irhafu yengeniso kwi-dividend payment. Ngenxa yoko, abatyali-mali abaninzi banokukhetha ukhetho lokubamba i-TIPS kwi-akhawunti yomhlala-phantsi (umzekelo, i-IRA) ukuphepha ukuhlawula irhafu.
I-Tip yokugqibela kwi-TIPS Mutual Funds
Ingabonakala ingafani, kodwa kuthengwa i-TIPS inkxaso-mali ayiyi kukhusela inqununu yakho. Kwixesha elifutshane, iimali ze-TIPS zingaba zinyanzeliso. IIMPAWU zithengwa ngemali imihla ngemihla ngokusekelwe kulindeleke kwixabiso elizayo lokunyuka kwamaxabiso (kwaye ixabiso lichaphazelekayo neenguqu zenzalo). Ukuba unayo i-TIPS izibophelelo ngqo, uyaqinisekiswa ukuba ufumane inqununu yakho ehlengahlengayo xa ukhula.
Nangona kunjalo, i-TIPS mutual fund ayikhuthazi. Akukho siqinisekiso sokuba xa ufuna ukuhoxisa imali yakho, ukuba uya kufumana inani elipheleleyo lotyalo-mali.
Ngaphandle kokuba u-speculator, thengisa imali ye-TIPS kunye nokukhuselwa kwexabiso lentengo elide kwinqanaba le -portfolio yakho engenayo .