Kutheni Iingxelo Zokukhula Kwiingqungquthela ze-EE Bonds zijongene Nonyaka weNkcazo?

Inkcazo yesizathu sokuba kutheni i-EE Bond Maturities iphuma kwixesha ukuya kwixesha

Ngaba uye wakha wazibuza ukuba kutheni iintlobo ezahlukeneyo zoLondolozo lwe-EE ziqokelelwe kwiintsuku ezahlukeneyo? Ngokomzekelo, izibophelelo ze-EE ezikhutshwe ngo-1981 no-1982 zithatha iminyaka eyisibhozo kuphela ukuba zifikelele kwixabiso elijongene nobuso, kodwa izibophelelo ezifanayo ze-EE zikhutshwe ngo-2003 zathatha iminyaka engama-20 ukuze zifikelele kwixabiso. Le mihla yokukhula ngokukhawuleza ngokukodwa yiphumo lomyinge ofunyenweyo kwi-EE nganye kwi-EE bond bond xa ikhishwa. Oku kwenzeka ngenxa yokuba ezi zibophelelo zokugcina zihlobo lento ebizwa ngokuba yi-"zero bond bond" apho ikhonkoni zeekhonkco zongezwa kwixabiso lebhanki kunokuba zihlawulwe njengetshekhi okanye idiphozithi ngqo.

Ngokwemvelo, sele uyayazi le nto ngenxa yokuba:

1. Ufunyenwe kwisiKhokelo se-EE Savings Bond Isikhokelo sokuba uxwebhu lwesitifiketi sephepha lwee-Series EE zokugcinwa kweebhondi lukhutshwe kwisiqingatha soxabiso lomntu. Uhlobo olulodwa lwe-EE lwe-EE, umzekelo, luza kukuhlawula i-$ 50 ngelixa ulithengayo. Oku kwahluke kwii-EE zithengiweyo zohlobo lwe-EE zithengwa ngeNkqubo ye-TreasuryDirect, kunye nayo yonke iChungechunge I-bonds yokulondoloza.
2. Ufunde nakwiiNkcazo ze-EE zokuThengwa kweeNkcazo kwiiNkcazo zeNtlawulo zeSebe leNondyebo eziguqula ngokukhawuleza imigaqo yokuba inzala ibalwe njani ukubophelwa kweebhondi kwiibhanki ezintsha ezikhutshwe emva komhla othile.

Ngowe-1982 ukuya ku-1988, inani lamanqaku laliphezulu kakhulu. Ngonyaka ka-2003, amazinga omdla aphantsi kakhulu. Ngaloo ndlela, kuthatha ixesha elincinci kwiibhondi zika-1982-1983 ukuba zihlanganiswe kwiindleko zazo (isiqingatha sobume buso) kwixabiso elipheleleyo lobuso. Kwathatha ixesha elingakumbi ukuba into efanayo ifumaneke kwiibhanki ezikhutshwe ngo-2003 kuba izinga lesenzalo laliphantsi.

Indlela yokubala ixesha lokukhula

Enye indlela yokubala ixesha lokukhula kukusebenzisa uMthetho wama-72 . Esi sixhobo esilula sikuvumela ukubala ukuba kuthatha ixesha elingakanani ukuphindwa kabini utyalomali lwakho kwizinga lokubuyisela . Umzekelo, ukuba uthenge i-EE entsha ye-Series EE yokugcina imali kunye nexabiso elingu-$ 1,000 elingu-$ 500 elithe lafumana i-rate engama-1.20%, kuza kuthatha ixesha elingakanani ukufikelela kwisixa sokukhula?

Ukwahlula nje ngo-72 nge-1.2. Impendulo, i-60, iyonke imfuneko eyimfuneko yokuba ubophelelo luphindwe kabini kwixabiso. Ukuba udidi lwe-EE lwamaxabiso olondolozo lwalufumana u-0.5%, kuya kuthatha iminyaka engama-144 ukuphindwa kabini kwixabiso (72 / 0.5 = 144)!

Ngokujonga iibhondi ze-EE zokulondolozwa ekukhanyeni, ulungele ngakumbi ukugqiba ukuba ngaba zifanele iphothifoliyo yakho. Unokuthenga iintlobo ze- blue chip ezihlukahlukeneyo kwaye ufumane okungenani u-3% okanye u-4% ngemali yakho. Ngaba uzimisele ukubukela ixabiso lakho le-akhawunti liwela kwisiqingatha, okanye liphindwe kabini, kuxhomekeka kwimarike yeemasheya? Ukuba ukhona kuyo kuphela imali engenayo kwaye awuyikukhumbuza ukungabi nantoni , izitokisi zinokuba lukhetho olungcono. Nguwe kuphela kunye nomcebisi wakho weengcali onokugqiba ukuba yiyiphi imisebenzi esekelwe kwiimfuno zakho, izibonelelo kunye nobuntu. Ukuzibandakanya ngolwazi kwenza loo nto ilula.

Olongezelelweyo malunga nee Series Series EE Savings Bonds

Ukufumana ulwazi oluthe xaxa malunga nendlela udidi lwe-EE lokulondolozwa kwee-EEs lungasebenza ngayo kwipotfoliyo yakho, tyelela isiKhokelo sethu se- EE Savings Bond Guide . Unokufunda kwakhona ngeComment I Iibond Savings , ezinika ukhuseleko lokunyuka kwamaxabiso. Unokufunda kwakhona inkokhelo yethu yesondlo yabatyalo-mali abatsha abatsha-mali, bephethe imbali yokubophelela kwi-United States, inkcazo yeengxelo zerhafu, kunye nokunye.