Iisiseko kwiNgxowa-mali eNgenisiweyo
Imivama ebizwa ngokuba yimali yebhanki, imali eyimali yokufumana ingxowa- mali eyimali ehambelanayo efana ne-US Treasury, izibophelelo zenkampani, izibophezelo zikamasipala, njl.
Masiqale ngeintlobo ezi-5 ezisisiseko zemali engenayo engenayo.
I-Nondyebo-Amanani eNkxaso-mali aVikelekileyo (i-TIPS) IiNgxowa-mali eziNgenisiweyo
I-TIPS zibophelelweyo ezikhutshwe nguNondyebo we-US ohlawula isigqithiso kwiinqununu ezilungisiweyo. Ubhonkco luhlengahlengiswa kwimizuzu engama-mihlanu kunye nomyinge we-Index of Price Index (umlinganiselo wokunyuka kwamaxabiso). Ngoko, i-TIPS kuthiwa ihamba ngokuhambelana nokunyuka kwamaxabiso ngokubuyisela inqununu ehlengahlengayo xa ikhula kunye neentlawulo zekhuphoni endleleni. Kukho izibonelelo kunye neengxaki ze-TIPS mali .
Nazi zimbalwa ze-TIPS ezingcono zezimali zokufumana imali:
- I-Vanguard Inflation-Protected Securities Fund
- I-T. Rowe Ixabiso leMali ye-Bond Protected Bond Fund
- IFundelity Infilt-Protected Bond Fund
IiNgxowa zoNgeniso zeMali eziHlangeneyo
Imali engenayo yomhlala-mali kaMasipala ibamba izibophelelo ezikhutshwa ngabamasipala ezifana nezixeko kunye namazwe. Izibopheko zikaMasipala zifumana unyango lwerhafu olulungileyo. Inzala kwiibhanki ezininzi zikamasipala ayinarhafu kwinqanaba lezemfundo kwaye akukho ntlawulo-ntlawulo kubarhwebi abathengi iibhondi zikamasipala ezikhutshwe kwiindawo zabo zokuhlala.
Kukho izibhanki zikamasipala zomsebenzi wabucala.
Abatyalomali abahlala eCalifornia, eMassachusetts, eNew York, nakwamanye amazwe, banakho iindlela ezininzi zokutshala imali kwiimali ezixhaswa ngemali yomxhaso kamasipala (i-Federally kunye ne-tax free). Abanye abatyali-mali baza kufumana iimali ezixhaswe ngemali yomasipala kunye nexabiso.
Ngokuqhelekileyo, ngaphandle kweemeko ezigqithiseleyo, izibophelelo zikamasipala zinezivuno ezincinci kunezibophelelo zentlawulo efana nekhredithi efanayo, okwenza kubalulekile ukuqonda iintlawulo ezilinganayo zerhafu.
Ezi zimbalwa zemali engenayo imali engenayo:
- I-Vanguard Ephakathi-Ithenda yerhafu ihlawulwa
- INgxowa-mali yeNgeniso kaMasipala
Iingxowa-mali zeBakala zeNkxaso-mali eziThuthiweyo
Iibhanki zebhanki zentengiso zikhutshwa ngamashishini asemgangathweni ukuze kuphakanyiswe inkunzi yequmrhu. Ezi zibophelelo zivakala ngokulinganisa iBBB kunye nangaphezulu nge-S & P okanye i-Baa nangaphezulu kunye no-Moody's. Utyalo-mali lwengxowa-mali yemali engenayo engenayo ivumela abafundi abatyali-mali ukuba bafikelele kwiibhaskiti ezahlukahlukeneyo ezinxulumeneyo, ukunciphisa umngcipheko (ubungozi bemali-mboleko, umngcipheko wezinga lomyinge kunye nomngcipheko wokubuyisela imali).
Uninzi lweenkampani zengxowa-mali zixhasa i-investor ibhanki yemali engenayo ingeniso ngemali eyahlukeneyo. Iingxowa-mali ezininzi ze-Vanguard zibhalwe ngezantsi:
- I-Vanguard Ixesha elifutshane loTyalo-mali
- I-Vanguard ephakathi-Ixesha lokuTyala-iBakala
- I-long-Term Investment-Grade
Iimali eziPhakamileyo eziKhuselekileyo zeNgxowa-mali
Izibophelelo eziphezulu zivame ukubizwa ngokuthi "izibopho ezingenanto" ngenxa yokulinganiswa kwazo kwetyala. Ezi zibophelelo zikhutshwa ngamashishini kwaye zilinganiswe ngaphantsi kweBBB nge-S & P kunye / okanye ngaphantsi kweBhaa ngo-Moody's.
Izibophelelo eziphezulu ezivunayo zinezivuno eziphezulu kunezibhanki zamashishini atyala ngenxa yengozi eyongezelelweyo yemboleko ethathwa ngumthengi weebhondi. Ngoko, khumbula, isivuno esiphezulu siza nezivuno eziphezulu kodwa ingozi enkulu.
Isibini sezona ziphumo eziphezulu eziphezulu ezivunayo zengeniso:
- I-Vanguard High-Yield Corporate Fund
- IFundelity High Income Fund
IiNgxowa-mali eziThuthiweyo zamazwe ngamazwe
Njengoko kuzwakala, iimali zobudlelwane bezivumelwano zomhlaba wonke zityalomali kwiibhanki ezikhutshwe ngamaziko angaphandle. Abatyalomali banokuxhamla kwi-dollar yaseDelika ngokunciphisa ngokuthenga i-fund joint bond. Yonke into elinganayo (isivuno sobhambiso kunye nentengo yebhondi), ukuba unayo ibhondi yangaphandle kwaye i-dollar yaseMelika ilahlekelwa phantsi kwesixa-mali semali yesinye isizwe, uya kufumana / ulahlekelwe ngokusuka kwemali / ukuhlaziywa kwemali. Kukho iimali zengxowa-mali ezidibeneyo ezenza ulungelelaniso lwemali-ukuze kuphephe ukungazinzi kwexabiso lemali.
Gcina ingqalelo: Ngaphambi kokuba utyalomali kwingxowa-mali engenakunqununu kukho izinto ezimbalwa zokuqwalasela. Njengenyathelo lokuqala, cinga ukufunda "Ngaphambi kokuba Utyalole kwi-Bond Mutual Fund."