Iimali zeBond Bondari eziphakathi zihlobo olonwabileyo
Yintoni?
Isibophelelo-sithuba esiphakathi sodwa asikhulisanga kwixesha elifutshane okanye ixesha elide. Ikhula ngexesha eliphakathi. Okokuphela kwexesha eliphakathi, akunjalo kulula ukuchaza. Abanye bathi iminyaka emithathu ukuya kwe-10. Abanye bathi ixesha eliphakathi lingahlala iminyaka eli-15.
Ubude bexesha lokukhula kululeka. Abo bawaziyo izibophezelo baqonda ukuba usuku lokukhula luyinto apho ibhondi ibuyisela inqununu okanye ubunani bebhanki. Abatyalomali bafumana inzala kwi-bond kuze kube yilapho ekhula, eyaziwa ngokuba ubude bentambo. Ububambiso bexesha elide lunokuhlala ixesha elide kwiminyaka engama-20 ukuya kwimi-40, kwaye ngenxa yesi sizathu, iibhondi zangexesha elide zihlala zibonelela ngexabiso eliphezulu. Ngakolunye uhlangothi, iibhondi zexeshana zifutshane zihlala zingaphantsi konyaka ukuya kwiminyaka emihlanu. Banikezela umngcipheko omncinci wenzalo ngaphandle kobudlelwane bexesha elide, kodwa ngokubuyela kwabo okuphantsi, bavame ukucingwa njengenye enye imali kwimali yemarike yemali.
Ubulumko obuninzi bokutsalwa kwezobungozi bubonisa ukuba izibophelelo zexesha elifutshane yindawo ekufuneka ibe ngayo xa amazinga aphakanyisiwe, kwaye unethemba lokuba uninzi kwiibhondi zexesha elide xa amaxabiso ehla. Xa amazinga enzala aqinisekanga, ukuhlala kwixesha eliphakathi lihlobo lovuyo oluphakathi.
Hlalani kwixesha eliphakathi, kwaye uthatha ingozi emncinci yengozi kunokuba unokubambisana kunye nexesha elide ngelixa ufumana isantya esincinci kangcono kunokuba unakho kwi-bond-short-term bond.
Yisiphi iNgxowa-mali yesiThili esiPhakathi?
Ingxowa-mboleko ephakathi-mali i-bond joint bond efaka inqabileyo yeebhanki zexesha eliphakathi.
Ngokuxhaswa ngemali, imali evela kubatyalo-mali abaninzi ihlanganiswe kwaye ityalwe kwiinjongo ezithile okanye ngohlobo oluthile lotyalo-mali. Uninzi lwabatyalomali ngabanye baya kwenza kakuhle ukutyalomali kuyo nayiphi na uhlobo lweebhanki kwiimali ezibophelelweyo. Kulula ukuthenga; amaxabiso kulula ukuyiqonda. Awunakhathazeki ngokulwa nabalimi-mali kwiziko elifanelekileyo. Ngesikhwama semboleko, uyahlukana nokubamba kwakho. Kwaye unako ukutyalwa imali kwiindidi ezahlukeneyo zeebhondi: urhulumente , iqumrhu, ukukhupha , ukubophelela, izibophelelo ze-muni , izibambiso ezixhaswe nge-asethi, ukugcinwa kweemali zenkxaso-mboleko kunye nokunye. Inceda ukunciphisa umngcipheko wokungagqibekanga ukususa yonke ifa lakho.
Iimali zebhondi zexesha eliphakathi azifani. Isikhwama sebhondi esisisigxina siya kukunika ulwahlulo phakathi kweklasi yebhondi yexesha eliphakathi. Yaye inokukunika indlela yokudlala emacaleni amabini emarike yemboleko.
Yintoni Yokujonga Xa Ukhetha?
Ngoko ke kufuneka ukuba abathengi bajonge kwi-fund-bond bond? Njengamaxesha onke, iintlawulo zizona zinto zibalulekileyo. Umyinge wesiqingatha sebhondi yekhaya ephethe umlinganiselo weendleko ezingaphezulu kwe-1%. Unokufumana i-index index bond enexabiso elincinci. Okona kubaluleke kakhulu, jonga isikhwama somthwalo. Imithwalo yee-commissions ezongezelelweyo okanye iindleko onokuzihlawula ngaphambili, ekugqibeleni uthenge ubophelelo, okanye ekupheleni komva, xa uthengisa.
Kwakhona kubalulekile ukuhlalutya ingozi kwingxowa-mali. Imingcipheko eyahlukahlukeneyo ibandakanya umngcipheko wokungagqibekanga, ilizwe okanye ingozi yokutshintshiselana kwamanye amazwe, okanye umlinganiselo omkhulu. Ukusebenza kwangaphambili akukhathazeki kakhulu kuba ukusebenza kubhekiswe ngokunyanzeliswa kwenani lentengo, elitshintsha lonke ixesha. Kodwa unokuqhathanisa ukusebenza kwesikhwama ngokubhekiselele kwibhenkmark. Indawo efana ne-Morningstar inokukunceda ukuba wenze oko.
Bazuza njani kwiNgxowa-mali yakho?
Ukugcina udibaniso olwahlukeneyo lwezolimo ezivela kwiiklasi ezahlukeneyo yinto ebalulekileyo nayiphi na isicwangciso sokutyalomali. Yingakho kubalulekile ukubeka ingqalelo umxube wakho wonikezelo lweefayili kuwo wonke amanqanaba e-asethi. Izigqibo zotyalo-mali kufuneka zisoloko zenziwa ngokuqwalasela ixesha lakho kunye nokunyamezela. Ezi modem zokwabiwa kwempahla zinika iiposfoliyo zeesampuli ezibandakanya izibophelelo zexesha eliphakathi.
Ukuziphendulela: Umxholo okweli siza unikezelwa ngolwazi kunye neenjongo zengxoxo kuphela, kwaye akufanelekanga ukuchazwa nje ngeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.
Ukuhlaziywa nguScott Spann