Iimali zeBond Ayinayo ixabiso elithengisiweyo
Iibhonki zikhutshwe nge "value value" okanye "ixabiso lentengo" - inani elibuyiselwa kumtyalomali xa ubophelelo lufikelela ekuvuthweni. Ukususela ngexesha lokukhutshwa kude kube lixesha lokukhula, nangona kunjalo, iibhondi zorhweba kwimarike evulekileyo - nje ngeempahla okanye izinto.
Ngenxa yoko, amanani abo angakhuphuka ngaphezu okanye awele phantsi kwawo njengoko iimeko zemarike zichonga. Ibhondi ekhutshwe ngexabiso elingu-1000 lemali elithengisa i-$ 1100 lithengisa kwi- premium , ngelixa enye ewela kwi-900 yezigidi ithengisa kwisaphulelo. Ukuthengiswa kwebhondi ebunini buso bayo buburhwebi "nge-par."
Kutheni i-Bond Trade in Premium okanye Discount
Xa ibhondi ikhutshwa kuqala, ine-coupon echaziweyo-inani lemali ehlawulwa kwixabiso layo elilingana ne-$ 1000. Ikhonkco kunye neqebana le-3% lihlawula i-30 $ ngonyaka, kwaye liya kuqhubeka ukwenza njalo kungakhathaliseki ukuba ixabiso lentengo lihamba njani kwiimarike emva kokukhutshwa kwayo.
Yithi intengo yebhondi iphakama kwi-$ 1050 emva konyaka (oku kuthetha ukuba ngoku ithengisa i-premium). Ngeli xesha, i-bond isabhawula abatyala-mali i-$ 30 ngonyaka, kodwa ngoku ithengisa isivuno sokukhula kwe-2.86% (i-$ 30 ehlukeneyo nge-$ 1050). Ngakolunye uhlangothi, ukuba intengo yebhondi iwela ku-$ 950, isivuno sokukhula ku-3.16% (okanye i-$ 30 ihlukaniswe i-$ 950).
Kutheni ixabiso lekhoboka liphakama kwaye liwa ngale ndlela? Izithintelo zenzalo ezidlulileyo zihlala ziguquka, kwaye izibophelelo ezikhoyo zilungelelanisa intengo ukwenzela ukuba isivuno sazo ekuvuthweni silingane okanye siphantse ngokulingana nezivuno zokukhula kwiibhondi ezintsha.
Ngamanye amagama, ukuba i-bhondi ine-3% yekhuphoni kunye neerhafu eziphakamileyo ziphakama kwi-4%, intengo yebhondi iya kuwa ukuze isivuno sayo siphakame ukuhamba ngokuthe ngqo ngokuhambelana namazinga aphezulu.
(Gcina ingqalelo, amaxabiso kunye nezivuno zihamba kwindlela echaseneyo .)
Ukuze uqonde ukuba kutheni le nto ivela, cingisisa ngale ndlela: Kutheni umntu angayithenga i-bond evumela u-3% xa ayithenga enye inxulumano efana ne-4%? Bengafuni, ngoko ixabiso lekhoboka lifuna ukuwela ukuvelisa isivuno kwinqanaba apho umtyali-mali angafuna ukufumana i-bond.
Ngale ngqondweni, sinokukwazi ukuba:
- Ubungqina bentengiso kwi-premium xa izinga lekhuphoni liphezulu kunezinga lentengo.
- Ubungqina bentengiso ehlaziyiweyo xa izinga lokukhuphelwa kwalo liphantsi kwexabiso lentlawulo.
Kuya kuba neyona nxalenye ephezulu yokuthengiswa kweebhondi kwi-premium kwiimarike ngeli xesha amazinga enzala awela . Ngakolunye uhlangothi, ixesha lokunyuka kwamazinga liphumela kwipesenteji enkulu yokuthengiswa kweebhondi kwixabiso elincinci ukuya kuthi.
Isaphulelo okanye i-premium kwibhondi iyancipha ngokukhawuleza njengoko usuku lwexesha lokukhula luya kufikelela, ngexesha apho ubophelo bubuyela kumtyalo-mali uxabiso elipheleleyo lobuso ekukhutshweni. Akunakho naziphi na iimeko ezingavamile, kufutshane ixesha elide lide likhule, ukuhlawula i-premium okanye isaphulelo.
Ibhondi yeSaphulelo ayikho isidlo samahhala
Akunjalo. Ekuqwalakeni kokuqala, kunokubonakala ngathi: zithengele ibhondi ehlaziyileyo kwi-970 yee-dollar kwaye uzuze njengoko ixabiso layo liphakama ukuya ku-$ 1000.
Ngaphandle koko, ukuthenga isibophelelo kwi $ 1030 esiya kukhula kwi-$ 1000 kubonakala kungenzi nto. Kodwa khumbula ukuba lo mahluko kwixabiso lizenziwe yikhuphoni ephakamileyo kwimeko yentlawulo ye-premium, kunye nekhuphoni elingaphantsi kwimeko yentlawulo yesaphulelo.
Ngamanye amagama, ukuthengiswa kwebhondi kwi-premium kuza kunikezela iintlawulo eziphezulu eziphezulu kunokuba kuthengiswe ibhondi kwisaphulelo, esenza ukungafani kwintengo. Ngoko ke, akukho nzuzo ekuthengeni isibophelelo kwisaphulelo, okanye kwintengiso yebhanki kwi-par , ngokumalunga nokuhweba enye kwi-premium. Kukho iinzuzo ezimbalwa, eqinisweni, ekuthengeni izibophelelo kwi-premium:
- Ikhuphoni ephezulu, ebeka imali engakumbi kwiifokethi yomtyalo
- Izibophelelo zeNkulumbuso zivame ukungabi nangobuchule bokutshintshwa kwezinga lentlawulo ephezulu kunama-bond bonds.
Ukuba iBond iClable, i-Equation Changes
Iintlobo zokuthenga izibophelelo ekutshintsheni kweprayimenti kwaye zingase zinyamalaleke, nangona kunjalo, ukuba umkhonkco " ulungelelanisa ," oko kuthetha ukuba unokuhlawulelwa - okanye kuthiwa - (kwaye inqununu ihlawulwe) ngaphambi kokukhula ukuba umkhuphili ukhetha. Abaxhasi banakho ukubiza umnqamlezo xa amaxabiso awela kuba afuni ukuqhubeka nokuhlawula iirhafu ezingaphezulu, ngoko ke izibophelelo ze-premium ziyakuthiwa zibizwe. Oku kuthetha ukuba ezinye zeprayimali umtyalomali ohlawulweyo uya kutshabalala-kwaye umtyalomali uza kufumana iintlawulo ezimbalwa kwi-coupon ephezulu
Abo bafuna ukuphanda le ngxaki ngokugqithiseleyo bangabhekisela kweli nqaku kwiNew York Times . Qiniseka ukuba ubuze umthengisi wakho malunga nemibandela yefowuni xa ucinga ngokuthenga kwayo. Funda kabanzi malunga nendlela isivuno semboleko esichaphazeleka ngayo ngamalungiselelo ekhowudi apha .
Inqaku lokugqibela
I-premium okanye isaphulelo kwi-bond ayikho kuphela ingqalelo xa ucinga ngokuthenga kwayo. Ubungqina bunxulumene njani neenjongo zakho zemali kunye nokunyamezela ? Ziziphi iingozi zebhondi ethile ?
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.