Iipilisi zisebenza njani
Njengesibophelelo soNondyebo rhoqo, ii-TIPS zihlawula umdla kabini ngonyaka ngokubhekiselele kwizinga elimisiweyo. I-TIPS ziyahlukahluka kwiiNondye eziqhelekileyo ukuba ixabiso lexabiso le-TIPS lilungisa kwaye lisezantsi ngokusekelwe kumlinganiselo wokunyuka kwamaxabiso njengoko kulinganiswa yi-Index Index Price (CPI).
Izinga lokubuyisela abatyali-mali zifunyanwa zibonisa inqununu ehlengahlengisiweyo .
Umzekelo
Indlela efanelekileyo yokuqonda indlela i-TIPS isebenza ngayo ukubonisa umzekelo. I-TIPS zihlawula umdla ngokwexesha elilodwa, kodwa ngenjongo yokulula, ezi zilandelayo zijonga indlela ixabiso lebhondi eguquka ngayo kunyaka ngamnye wekhalenda.
Yithi iNondyebo ibonisa ukhuseleko lokunyuka kwamaxabiso kunye nexabiso elijongene ne-$ 1000 kunye ne-3% yekhuphoni. Ngonyaka wokuqala, utyalomali ufumana i-$ 30 kwiintlawulo ezimbini. Ngaloo nyaka, ii-CPI zanda ngamaphesenti angama-4. Ngenxa yoko, ubuso buxabisa ukuhlahlela phezulu ukuya kwii-1,040 zamaRandi.
Ngonyaka wesi-2, umtyalo-mali ufumana i-coupon ye-3 yeepesenti kodwa okwangoku isekelwe kwixabiso elitsha elingu-1,040. Isiphumo: endaweni yokufumana intlawulo yenzalo ye-30, umtyalo-mali ufumana inzala ye-31.20. (Ii -003 zama $ 1,040). Ngonyaka we-3, ukunyuka kwamaxabiso kuhla kweepesenti ezi-2. Inani lexabiso liphakama ukusuka kwi-$ 1,040 ukuya kwi-1060.80, kwaye utyalomali ufumana inzala ye-$ 31.82.
Le nkqubo iyaqhubeka de iqhube ukukhula. Ngale ndlela, ukuhlawula i-TIPS kunamalungu amabini, ukwanda kwe-CPI kunye "nesivuno sangempela," okanye ngamanye amazwi, isivuno esingaphezulu kwexabiso lentengo .
Emva kokuba izibophelelo zivuthiwe, abatyali-mali bafumana i-nqununu ephakamileyo, inqununu okanye utyalo-mali lwazo lwangaphambili, nokuba ngubani omkhulu.
Ngenxa yoko, abatyali-mali abanako ukufumana ngaphantsi kwexabiso lobuso bhondi nakwiimeko ezinqabileyo zokuchasana (amanani ahlayo).
Ixabiso loLuhlu lwengozi
Ukutshala imali kwi-TIPS kunokubonakala kubaluleke kakhulu ekuqalekeni, kodwa kukho imicimbi emithathu ukuba abatyali-mali kufuneka baqikelele:
1) Ngethuba lobomi be-TIPS bhondi, inqununu yayo iyancipha kwixesha lokuchithwa , okanye ukuwa kwe-CPI.
2) Ukwanda kwexabiso lokubambisana neentlawulo ezibangela irhafu yonyaka, ezingadliyo kuphela kwiqumrhu lokukhuselwa kwexabiso lentengo kodwa kudala umsebenzi werhafu ongezelelweyo. Ngenxa yeso sizathu, iibhondi ze-TIPS ngamnye zenza ingqiqo kwi-akhawunti engekho ityala.
3) Nangona ii-TIPS zingenayo ingozi yokuthenga ngetyala , okanye ingozi yokungagqibekanga ngu-issuer yabo, kulo mzekelo, urhulumente wase-US, amanani abo aguqukayo kunye nokuhla phakathi komhla wokukhishwa kunye nosuku lokukhula .
I-TIPS nazo zithintela kakhulu utshintsho kwiirhafu zenzalo ezikhoyo. Ngenxa yoko, unokulahlekelwa yimali xa uthengisa i-TIPS ngaphambi kokukhula kwayo. Kule meko, ukulahlekelwa kwinqununu kungaphaya kakhulu kwintlawulo yokukhuselwa kwamanani. Ukuba unenjongo yokubamba ukubophelela kude ukhule, nangona kunjalo, akunjalo.
Ukuguqulwa okuphambili kunokwenzeka ukuba kube ngumcimbi ukuba unayo ingxowa-mali okanye i -fund-exchangeed fund (ETF) efaka i-TIPS.
Kule meko, ukunyuka kwamaxabiso okubangela ukunyuka kwexabiso kwintengo yesabelo semali. Ngokungafani nesikhonkco somntu ngamnye, iimali ezihlangeneyo azizange zibeke umhla wokukhula, ngoko awukho isiqinisekiso sokuba nenani elipheleleyo lenqununu yakho libuyile.