Kukho iindlela eziliqela zokuLawula imali yokuTyala imali kwiiBond. Lona Ngomnye wabo.
Umzekelo wokuKhuselwa koMngcipheko
Ngokomzekelo, umtyalomali wakhela iphothifoliyo yesikhonkco ngexesha apho isivuno esipheleleyo sisebenza malunga no-5%. Phakathi kokuthengwa kwakhe kweentengo, umtyalomali uthenge inqaku lemali eli-$ 100,000 lemali eliyiminyaka emihlanu, elindele ukufumana i-$ 5,000 ngonyaka ngonyaka.
Kwixesha leeminyaka emihlanu, nangona kunjalo, amaxabiso atshabalalayo kule nqila edibeneyo iwela ku-2%. Iindaba ezilungileyo kukuba umninimzi ufumana zonke iintlawulo zenzalo ezi-5% ezicwangcisiweyo, njengoko kuvunyelweneyo, kwaye ekuvuthweni ufumana i-100 000 yeenqununu zeenqununu. Ngoko yintoni ingxaki?
Ingxaki kukuba ukuba ngoku utyalomali uthengisa enye ibhondi kwiklasi enye, akayi ku fumana iintlawulo ze-5%. Umtyalo-mali kufuneka abuyele imali ekusebenzeni kumaxabiso aphantsi. Ngoku, loo $ 100,000 efanayo ivelisa i-$ 2,000 kuphela ngonyaka kodwa iindleko ze-$ 5,000 zonyaka ezifunyenwe kwinqaku langaphambili.
Kuyafaneleka kwakhona ukuphawula ukuba ukuba umtyalomali uvuselela ngeniso yengeniso kwinqaku elitsha, uya kufuneka amkele ixabiso elisezantsi elikhoyo ngoku. Ukuba kufuneka ukuba kwenzeke ukuba ixabiso lentlaba emva koko linyuka, inkunzi yesi-100,000 eboleka ukuhlawula iipesenti ezi-2 ixabiseka. Ukuba umtyalomali kufuneka ahlawule ngokukhawuleza - ukuthengisa i-bond ngaphambi kokukhula - ngaphezu kweentlawulo ezincinci kwiqebanazana, uya kulahlekelwa nxalenye yenqununu yakhe.
Khumbula ifom eyaziwa kakhulu: njengoko ixabiso lentengo likhuphuka, ixabiso lentengo lihla kuze kube yilapho isivuno salo silingana nesivuno sesibhambathiso esitsha sihlawula umdla ophezulu.
Omnye umngcipheko ochaphazelekayo
Ingozi yokubuyisela kwakhona iyenzeka kunye nezibophelelo ezinamathele . "Ukukhawuleza" kuthetha ukuba umniki-mali unokuhlawula ubuqili ngaphambi kokukhula.
Esinye sezizathu eziphambili ezibanjwayo zibizwa ngokuba yi-interest rate has fallen since the issuing bond and corporation okanye urhulumente angakwazi ukukhupha izibophelelo ezintsha kunye namazinga aphantsi, ngaloo ndlela igcina umehluko phakathi kwezinga eliphakamileyo eliphezulu kunye nezinga elitsha elisezantsi. Kunengqiqo ukwenza oku kwaye inxalenye yesikontraka umtyalomali uyavuma ukuba uthenge ukubophelela, kodwa, ngelanga, oku kuthetha ukuba. kwakhona, umtyalo-mali uza kufuneka abeke imali ekusebenzeni kwinqanaba eliphantsi.
UkuKhusela ingozi yokuTyala kwakhona
Abatyalomali bangazama ukulwa nomngcipheko wokubuyisela imali ngokutyalomali kwii - securities zesikhathi eside , kuba oku kunciphisa ixesha apho imali iya kuba khona kwaye kufuneka ibuyiswe kwakhona. Ngelishwa, le nto ibonisa ukuba iphothifoliyo ibe yingozi enkulu inzala enkulu .
Ngabanye abatyali-mali bangayenza njani - kwaye benza ngokunyukayo kwinqanaba lentlawulo elincinci elithatha inqanaba lokunyuka kweemarike zezimali ekupheleni konyaka we-2007 - kukuzama ukwenza inzala engenayo inzala ngokutyalomali kwiimbobo eziphezulu ezivunayo (mhlawumbi ziyaziwa njengezibophelelo ezingapheliyo). Esi sicwangciso esiqondakalayo, kodwa esingathandabuzekiyo kuba kuyaziwa ukuba izibophelelo ze-junk zingaphumeleli kumaxabiso aphezulu xa uqoqosho lungahambi kakuhle, oluqhele ngokuhambelana nomgangatho wezinga eliphantsi.
Isicwangciso esingcono
Indlela engcono yokunciphisa ingcipheko yokunciphisa ingozi kukudala "i-ladder ladder" - iibhonti eziphathekayo kunye neentsuku ezivuthiweyo zokukhula. Kungenxa yokuba imarike yinto ehamba phambili, amazinga amanqanaba aphezulu aphantsi kwaye abuye avuke. Amathuba akhoyo kuphela amabhondi akho aya kuvuthwa kwizinga elincinci lenzalo kwaye ezi zinto ziyakuthi zikhutshwe ezinye iibhondi ezivuthiweyo xa amazinga enzala aphakamileyo.
Ukutshala imali kwiimali ezibophelelweyo eziphathekayo kunokunciphisa impembelelo yengozi yokubuyisela imali, kuba umphathi wezezimali unokuthatha amanyathelo afanayo ukunciphisa umngcipheko. Ngexesha elide, ke, isivuno kwiimali ezibophelelweyo zivame ukuphakama nokuwa kunye nemarike, ngoko ke iimali zengxowa-mali elawulwa ngokuzimeleyo zinika ukhuseleko olukhawulezileyo kumngcipheko wokubuyisela.
Esinye isicwangciso esilungileyo kukubuyisela ekutyaleni ingeniso ngqo ngokuchaphazeleka kwentlawulo.
Enye yeentlobo zentyalo-mali ngokuqhelekileyo kukuba kubanjwe ngokungabonakaliyo kunokwenzeka. Esi sicwangciso, ukuba siphumelele ngempumelelo oko. Kodwa kuqukwa ne-degree of sophistication kunye namava otyalo-mali abangekho abaninzi abatyali beentengiso.