Ngamanye amazwi, ukunyuka kwe-10-year-year-to-2.6% kubonisa iimeko ezimarike ezimbi, ngelixa uhambo oluvela kwi-2.6% ukuya kwi-2.2% lubonisa ukusebenza kweemeko ezimnandi.
Kodwa kutheni ulwalamano lusebenza ngale ndlela? Impendulo elula: ayikho isidlo sasemini sokuncedisa ukutyalomali.
Isibalulekileyo sokuqonda ulwalamano kukuqonda ukuba ukususela kwimihla yokubambisa ikhutshwa kuze kube ngumhla abavuthiwe ngawo, bathengisa kwiimakethe ezivulekileyo-apho ixabiso kunye nezivuno zihlala ziguquka. Ngenxa yoko, ivelisa i-converge ukuya kwindawo apho abatyali-mali behlawulelwa malunga nesivuno esifanayo kwinqanaba elifanayo lomngcipheko.
Oku kuvimbela abatyali-mali ukuba banakho ukuthenga inqaku le- US Treasury yeminyaka eli-10 ngomvuno wokukhula ngo-8% xa omnye evumela i-3% - akukho ngaphezu kwevenkile inokuhlawulisa i-$ 5 nge-gallon yobisi xa isitrato ngaphesheya kwesitalato uhlawula i $ 3. Indlela eyona ndlela yokufumana ulwalamano phakathi kwamanani kunye nezivuno kukujonga imimiselo.
Amaxabiso aphakama, amaxabiso ayawa
Cinga ibhondi ebambiseneyo ezayo kwimarike kunyaka owanikwa ngawo kunye neqhosha le-4% (masiyibize ngokuthi "iBond A").
Ukunyuka kwamazinga okunyuka kwiinyanga ezili-12 ezizayo, kwaye omnye unyaka kamva inkampani inokuthi ibandakanye isibophelelo esitsha (iBond B) - kodwa ngoku kwesivuno se-4.5%.
Ngeli xesha, kutheni umtyalo-mali uthenge iBond A nge isivuno se-4% xa engathenga iBond B ngesivuno se-4.5%? Akukho mntu oya kwenza oko, kunjalo, ngoko ixabiso leBond A lifuna ukulungelelanisa ukwenzela ukutsala abathengi.
Kodwa ixabiso layo liwa ngaphi?
Nantsi indlela izibalo ezisebenza ngayo: I-Bond A ixabiso kwi-$ 1000 kunye neqebana le-4%, kwaye isivuno sayo sokuqala ekuvuneni ngu-4%. Ngamanye amazwi, ihlawula i-$ 40 ngonyaka. Ngaphezulu kwekhosi yonyaka olandelayo, isivuno kwiBond A siye saya kwi-4.5% ukukhuphisana namaxabiso atshabalalayo (njengoko kuboniswe kwisivuno esingu-4.5% kwiBond B).
Ekubeni iqela lihlala lifana, ixabiso kufuneka liwele ku-$ 900 ukwenzela ukuba isivuno semboleko sihlale sifana neBond B. Kutheni? Ngenxa yokuba i-$ 40 ehlukaniswe ngama-dollar ayi-900 ilingana ne-4.5% isivuno. Ubudlelwane akuyena oku ngqo ebomini bokwenene, kodwa lo mzekelo unceda ukunikela umzekeliso wendlela inkqubo esebenza ngayo.
Amaxabiso awa, amaxabiso aphakama
Kulo mzekelo, kwenzeka imeko echaseneyo. Le nkampani ibandakanya iBond A kunye nekhuphoni ye-4%, kodwa ngeli xesha livelisa. Emva konyaka, inkampani inokukhipha ityala elitsha kwi-3.5%. Kwenzeka ntoni kumbandela wokuqala? Kule meko, ixabiso leBond A lifuna ukulungiswa ukuya phezulu njengoko isivuno salo sihambelana nomcimbi omtsha.
Kwakhona, i-Bond A ifike kwiimarike kwi-$ 1000 kunye nekhuphoni ye-4%, kwaye isivuno sayo sokuqala ukukhula si-4%. Ngomnyaka olandelayo, isivuno kwiBond A sithuthelele ku-3.5% ukuhambelana nokuhamba kwiirhafu ezikhoyo (njengoko kuboniswe kwisivuno se-3.5% kwiBond B).
Ekubeni ikhuphoni lihlala lifana, ixabiso kufuneka liphakame kwi-$ 1142.75. Ngenxa yokwanda kwexabiso, isivuno siyancipha (kuba isahlulelo sama-40 se-$ 1,442,75 silingana ne-3.5%).
Ukuyibhena Yonke
Amabhonkco asele akhutshwe kwaye aqhubeka nokuthengisa kwimarike yesibini kufuneka ahlaziywe kwakhona amaxabiso awo kwaye avumele ukuhlala ngokuhambelana nemilinganiselo yemigangatho yangoku. Ngenxa yoko, ukwehla kwezivuno ezikhulayo kuthetha ukuba umtyalo-mali unokuzuza kwixabiso elongezelelweyo ngaphezu kokuvelisa.
Ngakolunye uhlangothi, ngelixa ukunyuka kwamazinga kunokukhokelela ekulahlekelweni okuphambili, ukulimaza ukubaluleka kweebhanki kunye neengxowa-mali . Sekunjalo, kukho iindlela umtyalo-mali angazikhusela iipotfoliyo zabo ekukhuleni kwamazinga. Ukuze ufumane indlela, jonga kwinqaku yam Indlela yokukhusela ukuhlaselwa kweeRhafu .