Umngcipheko weMali
Ngenxa yo khu seleko lwazo, iinqununu zithenda ukuba zinganikezeli ngokuphindaphindiweyo ukubuyisela. Oko kubangela ukuba bahlaselwe ngokuthe xaxa xa kuthengwa kwamandla emali. Khawucinge, umzekelo, ukuba uthenge isibophelelo seNondyebo esihlawula inzala ka-3.32%.
Oku ku malunga nokukhuseleka kotyalo-mali njengoko unokufumana. Ngaphandle nje kokuba ubambe ubophelelo kude ukhule kwaye urhulumente waseUnited States akawa, akukho nto ingahambi kakuhle ....
Ukuba izinga lokunyuka kwamaxabiso liye laya, kuthiwa, iipesenti ezi-4, utyalo-mali "aluhambisani nokunyuka kwamaxabiso." Enyanisweni, uya kuba "ulahlekelwa" yimali kuba ixabiso lemali otyalomalileyo kwi-bond eyancipha. Uya kufumana inqununu yakho emva kokuba ubophelelo lukhula, kodwa luya kuba lulilize. Qaphela: kukho ukungabikho kulo mgaqo. Ngokomzekelo, iSebe leNondyebo lithengisa imoto yotyalo-mali ebizwa ngokuba yi-Treasury Inflation-Protected Securities.
Umngcipheko weNzala
Amanani amabhondi anxulumene nolwahlukileyo kumanani omdla. Xa umntu ephakama, enye iyawa. Ukuba kufuneka uthengise ibhondi ngaphambi kokuba ikhule, ixabiso onokuyilanda liya kusekelwe kwinqanaba lentlalo ngexesha lokuthengisa. Ngamanye amazwi, ukuba amaxabiso avukile ekubeni "uvalelwe" ekubuyeni kwakho, intlawulo yokhuseleko iya kuwa.
Zonke iibhondi ziyahlengahlengana neerhafu. Ukubala ubungozi balo naluphi na ubhonkco kumlinganiselo wesantya kubandakanya ingcamango enkulu kakhulu ebizwa ngokuba lixesha. Kodwa abatyala-mali abaqhelekileyo kufuneka bazi izinto ezimbini kuphela malunga nomngcipheko wezinga lomyinge .
Okokuqala, ukuba ubambe ukhuseleko kuze kube yilapho ukhulile, ingozi yenzalo ayiyona nto.
Uya kubuya yonke inqununu xa ukhula. Okwesibini, utyalo-mali lwequmrhu lokutshala imali , okwenza zonke iintlawulo zenzalo xa i-bond bond ekhula, yinto ejongene nentsholongwane yomyinge.
Okungekho mngcipheko
Ikhonkco ayikho nje isithembiso sokubuyisela umnikazi wetyala. Kwaye izithembiso zenziwa ukuba ziphulwe. Amaqumrhu ahlaselwa. Izixeko kwaye zichaza ngokungahambisani nezibophelelo ze-muni. Izinto zenzeke ... kwaye ngokuzenzakalelayo yinto eyona nto enokuthi yenzeke kumbophezeli. Kukho izinto ezimbini zokukhumbula ngomngcipheko ongasetyenziswayo.
Okokuqala, akudingeki ukuba uqikelele umngcipheko ngokwakho. I-arhente yokurhweba iitaliti ezifana noMoody's. Enyanisweni, ukulinganiswa kwekhredithi yekhonkrithi ayikho into engapheliyo. Izibopho ezingenayo i-Junk , eneyona mngcipheko ophezulu, ziphantsi kwezinga. I-Aaa ibalwe ngetyala lenkampani, apho ukungagqibekanga kubonakala kungenakwenzeka, kuphezulu.
Okwesibini, ukuba uthengisa ityala likaRhulumente waseUnited States, umngcipheko ongekho phantsi kwakho awukho. Imiba enetyala edayiswe yiSebe lezeNondyebo liqinisekiswa ngokholo olupheleleyo kunye nenkokhelo ka rhu lumente. Akunakwenzeka ukuba abantu abashicilele imali baya kuhlawula ityala labo.
Ukutshatyalaliswa koMngcipheko
Ngamanye amaxesha uthengisa isibophelelo esinomlinganiselo ophezulu , kuphela ukufumana ukuba iWall Street emva koko ihamba ngombandela.
Lo mngcipheko wongcipheko . Ukuba i-arhente yokulinganisa i-credit ezifana ne-Standard & Poor's no-Moody iyanciphisa ukulinganisa kwabo kwi-bond, ixabiso lezo zibophelo ziya kuwela. Oku kunokulimaza umtyalo-mali omele athengise ibhondi phambi kokukhula. Yaye ingozi yokunciphisa ingozi iyinkimbinkimbi yinto elandelayo kwoluhlu, ingozi yobungozi.
Yobungozi
Iimarike zeekhonkco zincinci ngaphezu kwesitokisi. Inyaniso elula kukuba xa ibhondi ithengiswa kwiimarike zesekondari, akakho njalo umthengi. Umngcipheko wobungozi uchaza ingozi yokuba xa ufuna ukuthengisa i-bond, awuyi kukwazi. Ubungozi bokusetyenziswa komda abukho phantsi kwetyala likaRhulumente. Yaye igalelo kwingxowa-mboleko iya kudayiswa. Kodwa ukuba ubambe olunye uhlobo lwetyala, unokufumana kunzima ukuthengisa.
Ingozi yokubuyisela kwakhona
Uninzi lwezibophelelo zentsebenziswano ziyazincipha. Kuthetha ntoni ukuba umniki-mboleko unelungelo "lokubiza" ukubophelela ngaphambi kokukhula kwaye ahlawule ityala.
Oku kunokukhokelela ekungeniseni ingozi . Abaxhasi bavame ukubiza iibhondi xa amazinga omdla ewa. Oku kungaba yintlekele kumtyalo-mali ocinga ukuba uvalelwe ngenqanaba lomdla kunye nenqanaba lokhuseleko.
Ngokomzekelo, xelela ukuba unobungozi obuhle, obukhuselekileyo bhondi obuqhathanisiweyo obukukhokha 4% ngonyaka. Emva koko amaxabiso aya ku-$ 2%. Ukhoboka lwakho lubizwa. Uza kubuyisa inqununu yakho, kodwa awuyi kukwazi ukufumana ibhondi entsha, efana neyokutshala loo nqununu. Ukuba amaxabiso awele kwi-2%, awuzukufumana u-4% ngesigqeba esilungileyo, esilungileyo esilungileyo.
Ingozi yokuKhutshwa
Ekugqibeleni, kwiimarike ezibopheleleyo, kuhlala kukho umngcipheko wokukhutshwa. Ngokungafani nemakethe yemasheya , apho amanani kunye nokuthengiselana kubonakala, ininzi yemarike yemboleko ihlala ingumda omnyama. Kukho okunye. Kwaye abatyali-mali abaqhelekileyo kufuneka banamathele ekwenzeni ishishini kulezo ndawo.
Ngokomzekelo, umhlaba webhondi yebhondi uhle kakhulu. Kuthatha nje uphando oluncinci ukufumanisa ukuba kukho umthwalo (ikhomishini yokuthengisa) kwingxowa-mali. Kwaye kuthatha enye imizuzwana embalwa ukujonga ukuba loo mthwalo uyinto ofuna ukuyihlawula.
Ukuthenga ityala likarhulumente ngumsebenzi onobungozi obude nje xa ujongana noorhulumente ngokwawo okanye ezinye iziko elihloniphekileyo. Nokuba kuthengwa imiba emitsha yesikweletu okanye i-muni ityala akukho konke okubi.
Kodwa imarike yesibini yamabhonkco ngabanye ayikho indawo yabatyalomali abatsha. Izinto zibhetele kunokuba zikhona. I-TRACE (Inkcazelo yezoRhwebo kunye neNjini yokuQinisekisa) yenze imimangaliso ukubonelela ngabanye abatyali bezintlanzi ngolwazi abayidingayo ukwenza izigqibo zokutyalwa ngolwazi.
Kodwa uya kuba nzima ukuba ufumane nayiphi na umcebisi wezezimali onokuzicebisa oya kuncomela ukuba utyalo-mali wakho othe ngqo uye kwiimarike zesekondari ngokwakhe.