Ziziphi iiNgxowa-mali zeMaspala kaMasipala kwaye ziThengiswa njani?
Fumana indlela iimali zebhanki zikamasipala ezisebenza ngayo kwaye njani kwaye kutheni ungazuza ngokutyalomali kulezi ntlobo zemali.
Ziziphi iiNgxowa-mali zeMasipala?
Iibhondi zibopheleleko zetyala ezikhutshwe ngamaziko, njengamashishini okanye urhulumente. Kwakhona kuthiwa "i-munis," iibhanki zikamasipala zibophelelo ezikhutshwa oomasipala karhulumente okanye i-arhente yabo.
Imizekelo ibandakanya izixeko, amazwe, kunye neenkonzo zoluntu. Izibophelelo zetyala zisetyenziselwa ukuphakamisa imali ukuxhasa imali yokwakha izikolo, iipaki, iindlela ezihamba phambili kunye nezinye iiprojekthi zokusetyenziswa koluntu. Iimali zeebophezelo zikamasipala zixhaswa ngemali enye ekutyalomali kwiibhondi zikamasipala.
Iimali zeeMali zeMasipala ziTekisiwe njani?
Iimali zebhanki zikamasipala zinikezela abatyalo-mali abanomdla ongekho kwiirhafu zerhafu. Le ngeniso ingahlawulwa kwakhona kwiirhafu zorhulumente kunye neendawo zendawo abatyali-mali abahlala kwilizwe elikhuphayo okanye kwindawo. Ngokomzekelo, isibophelelo seSixeko saseNew York, siza kubakho ukuhlawulwa kweerhafu, nto leyo ithetha ukuba ingahlawulwa kwiirhafu, zombuso kunye neerhafu zendawo ukuba umtyalomali uhlala kwaye akhokhe irhafu kwisixeko saseNew York. Ngenxa yesi sizathu, imali yebhanki kamasipala iphinda ibhekiswe ngokuthi "yerhafu" okanye "utyalo-mali".
Ngubani omele athenge imali kwiiNgxowa-mali zeeMasipala kunye na?
Abatyalomali abasebenzisa iimali zeebhanki zikamasipala ngokukodwa abo bafuna ukufumana izivuno eziphezulu kakhulu kuneemali zeemarike zemali kunye nabangabakhonksi beerhafu eziphezulu.
Izivuno kwiibhondi zikamasipala zihlala ziphantsi xa zithelekiswa nezinye iibhondi, ezinje zikhutshwa yinkampani. Nangona kunjalo, iintlawulo zeerhafu zeebhanki zikamasipala ziyakwenza izivuno ezantsi.
Kodwa uyayazi njani ukuba iimali zebhanki zikamasipala zilungele wena? Impendulo ikhona kwizinto ezibizwa ngokuba "isivuno esifanayo."
Ngokomzekelo, isibophelelo sohlawulelo, njengesibophelelwano senkampani, esihlawulela ama-5.00 ekhulwini azinakuchukumisi kumtyalo-mali ukuthenga ibhondi kamasipala ehlawula irhafu ehlawula i-4.00 ekhulwini. Ukuchonga ibhondi eyona nto ibhetele, umtyalo-mali unokubala isivuno esifanayo. Umrhumo olinganayo nentlawulo yintlawulo engekahlawulwa ngaphambi kokuba irhafu ehlawulwayo ihlawulwe ukuze ilingane nentlawulo yesibhambathiso sikamasipala. Ukubala yintlawulo yesibhambathiso sikamasipala esahlulelwanga yerhafu, iyanciphisa irhafu yerhafu-mali. Nanku ukubalwa komtyalo-mali kwipesenti ezingama-35 zerhafu esecaleni, kuqwalasela ibhondi kamasipala ehlawula i-4.00 ekhulwini:
Intlawulo-Equivalent Yizaliso = .04 / (1 - .35) = 6.15 ekhulwini
Olu kubalo lubonisa ukuba irhafu yengeniso igcinwe ngokusebenzisa ibhondi kamasipala engekho ngentlawulo ilingana (efanayo) noxanduva oluhlawulwayo olufumana i-6.15 ekhulwini. Ngako oko utyalomali-mali utyumkileyo ukusebenzisa isibophezelo kamasipala okanye isibophezelo sikamasipala endaweni yebhanki yoshishino.
Bona kwakho:
Yintoni eyahlukileyo phakathi kweebhanki kunye ne-Bond Mutual Funds?
Indlela iBond Mutual Funds isebenza ngayo
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.