Iindleko zeBond ziyiFom ye-Asset-Ukunyaniseka kweMfanelo
Izindleko zeBond kwiZiko lokuHlahla kweMali
Xa uthatha umhlalaphantsi, i-ladders yebhondi ingasetyenziselwa ngokufanelekileyo ukubonelela ngemali efunekayo kwiindleko zomhlala-phantsi ngamnye ngonyaka. Umzekelo, umntu okhuselekileyo unokuthatha iipotifoliyo zawo aze athenge amabhondi ngamnye ukuze amabhondi avuthwe ngonyaka ngamnye kwiminyaka engamashumi amathathu ezayo ukuhlangabezana neemfuno zabo zokuhamba kwemali. Oku kuya kuba ngamanqanaba amabhondi aneminyaka emashumi amathathu. Umntu ongaphantsi kancinci unokusebenzisa i-ladder ladder ukuze adibane neyokuqala ezintlanu ukuya kweyishumi kwiindleko njengoko kuchazwe kwicandelo elilandelayo.
Bond Ladders njengengxenye yePortfolio Portfolio
Masithi ungumtyalomali onokunyamezela ngokukhawuleza, uthabathe i-$ 1 yezigidi. Ungathatha i-$ 400,000, okanye i-40% yepottoliyo yakho, kwaye uthenge izibophelelo ezisibhozo ngexabiso elijongene ne-$ 50,000 nganye. Ibhondi yokuqala yayiza kukhula konyaka omnye, olandelayo uza kukhula kwiminyaka emibini, elandelayo kwiminyaka emithathu, njalo njalo, ngoko ke ukuphakamisa iphothifoliyo yezibophelelo ngaphezu kwexesha lesibhozo.
Lo ngumzekelo olula, kodwa kukunika ingcamango jikelele malunga nendlela isebenza ngayo.
Iingamakhulu ezingama-600,000 eziza kutyalwa imali kwiimpahla (amaxabiso ngokukhethekileyo ngendlela yemali yeenkcukacha ) ukwenza isahlulo sokukhula kwipotfoliyo yakho. Emva kweminyaka eyisibhozo, ukuba ama-stocks angaba ngu-7% wenani lokubuyisela, ii-600,000 zamaRandi ziza kukhula zibe ngaphezu kwe-1 million yezigidi, ekuvumela ukuba uthengise i-$ 500,000 yamasheya ukudala elinye i-bond ladder.
Ukusetyenziswa koBuchule beBond
Kukho imiba emininzi efanelekileyo ekufuneka iqwalaselwe xa usebenzisa amanqanaba ekhonkco afana ne:
- ikhwalithi yemboleko yeebhondi ozithengayo
- impawu zerhafu yenzuzo yengeniso
- Yiyiphi i-akhawunti oyithenga ngayo izibophelelo kwi-IRA, engekho i-IRA ngokomzekelo)
- ngaphakathi kwipotfoliyo yakho, indlela yokuphendula ngayo kwaye usebenzise umdla okhupha iimbophelo ngaphambi kokuba unyaka wokukhula
- inkonzo ye-brokerage okanye i-akhawunti engakhokelela ukuthengwa kweebhondi
- nini ukuvuna isahlulo sokukhula kwipotfoliyo yakho
Ngenxa yobunzima bezinto ezilapha ngasentla, abaqeqeshi abaninzi abanolwazi lokutshala imali bajonga ukuthengwa kwembopheleleko kunzima kunokuba kuthengwa amasheya.
Ngokumalunga nokuvuna isahlulo sokukhula kwipotfoliyo yakho, usebenzisa umzekelo wethu ngasentla, akunakwenzeka ukuba ulinde iminyaka emibhozo ngaphambi kokuba uthengise izitokisi ukuya kwinqanaba lokubambisa iintsimbi. Kunoko, kwiminyaka ngokubuyiswa kweemakethe ezinamandla, uza kuthengisa amanani, kwaye ungeze izibophelelo ekupheleni kwebhanki yakho.
Kwiiminyaka ezibuyiselwayo kwimarike yeemasheke ezikhoyo, awuyi kuthengisa ii-equity. Ukuba uneminyaka emininzi yembuyiselo yeemarike ezihlwempuzekileyo, unokuhla ukuya kwinqanaba lokuba neminyaka emibini ukuya kweyesithathu kwimibhonkqo ehambileyo. Oku kulungile, njengoko inqaku lokudala i-bond ladder ke unako utyalo-mali olukhuselekileyo ukuhlangabeza iimfuno ze-flow flows, kwaye ngoko ke unyanzelekile ukuba uthengise ukulingana kwiimarike ezantsi.
Kuthiwani Ngeentengo zeBond Xa amaRhafu enzala aphakanyisiwe?
Ixabiso lentengo ekhoyo liyehla xa ixabiso lentengo likhuphuka . Le nyaniso. Xa ucinga ngale nto, gcinani engqondweni ukuba ukubophelela komntu ngamnye kuhlukile kunokuba ube ne-bond joint bond. Ukuba usebenzisa izibophelelo zomntu ngamnye ukudala i-aseset-responsibility efanelwe iphothifoliyo ngoko xa ukhula olugqithiseleyo luya kuchitha ixabiso eliyintloko. Nangona intengo yebhondi iya kuguqulwa phambi kokukhula, ngokude nje ukubamba ukukhula, ezo ziguquko azifanelekanga kuwe. Xa ukhula oluqinileyo uyazi inani lemali oyifumanayo kungakhathaliseki ukuhamba kwamanani entengo. Ukuba uthengisa ibhondi ngaphambi komhla wokukhula kwakho ungafumana ngaphezulu okanye ngaphantsi kwexabiso lokuqala lobophelelo.
Eminye indlela eya kwi-Bond Ladder
Esikhundleni senqanaba lesondlo, unokwenza i-CD yesiteji, kunye neziqinisekiso zokudibanisa i-deposit ngonyaka ngamnye ukuhlangabezana neemfuno zokuhamba kwemali.
Kungenokuba luncedo kumanani ama-CD kunye nezibophelelo nakwiyiphi na ixesha elifanelekileyo lokuchonga okuza kukunika isivuno esiphezulu.
Ungasebenzisa kwakhona imali echanekileyo , endaweni ye-bond okanye i-CD, njengenxalenye yenkalo yakho. Kwakhona, unokufuna ukuchonga utyalo-mali, okanye udibaniso lwezolimo-mali, luza kukunika isivuno esiphezulu kunoma yimuphi umhla wokuvuthwa owenziwe.