Ixabiso leBond liguquka xa utshintsho lwezinga lomdla. Nasi isizathu.
Kutheni ixabiso leBond yeTshintsho xa iRhafu yeNkcazo ishintsha
Iidola kunye neempesenti zentsenti zinikeza inkcazo ecacileyo yobudlelwane phakathi kwamaxabiso amabhondi kunye namazinga enzala.
Makhe sijonge ityala lokufunda.
Facts Facts Study
- Uthenga intlawulo ye $ 1,000.
- Kukhula kwiminyaka emine (ngeli xesha ufumana imali yakho yokutshala imali eyi-1 000).
- Isilinganiso senqwelomoya (inzala) ngu-4%, ngoko ihlawula i-4% ngonyaka, okanye i-$ 40 ngonyaka.
Masithi omnye unyaka emva kokuba uthenge iirhafu zomhlala-mboleko ziza ku-5% uze uthathe isigqibo sokuthengisa i-bond yakho. Xa ufaka umyalelo wokuthengisa, umyalelo uya eemarike, kunye nabathengi abanokuthi baqhathanise ubhondi bakho nakwamanye amabhondi kwaye banikeze ixabiso. Konke kwenzeka ngokukhawuleza kwi-intanethi.
Ulwalamano lwakho lufanelana njani namanye amabhondi kwimarike? Ekubeni ixabiso lentengo likhuphuke, i-bond yangama-$ 1,000 ekhutshwe ngokutsha ekhulayo kwiminyaka emithathu (ixesha elisele ngaphambi kokuba ukhulise umtshato) lihlawula inzala ka-5% okanye i-$ 50 ngonyaka. Oko kuthetha ukuba ubophelelo lwakho lufanele luhambe ngokuhlaziywa kwexabiso lemarike ukuba lithengiswe ngokuthelekiswa xa kuthelekiswa nemiba emitsha. Makhe sijonge indlela ukulungiswa kweemarike kusebenza ngayo.
Ulungiso lweMarike kwiMpahla yeBond
- Ukuba utyalomali uthengisa i-bond yakho ye-$ 1,000, baya kufumana i-$ 40 x 3 okanye i-$ 120 enomdla kwiminyaka emithathu esele.
- Ukuba umtyali-mali uthengisa ibhondi entsha kwi-$ 1,000, baya kufumana i-$ 50 x 3, okanye i-$ 150 enomdla kwiminyaka emithathu esele.
- Akukho sikhuthazo sokuthenga ibhondi kwixabiso elijongene ne-$ 1,000 ukususela ekubeni umtyalomali uza kufumana inzala encinane kunezibophelelo ezitshatswayo. Ngaloo ndlela i-marhwebo iyalungisa ixabiso lebhondi yakho ukuze lilingane.
- Kule setethi yeemeko, unokufumana isipho malunga ne-970 yee-bond yakho. (Xa ibhondi ithengisa ngaphantsi kwexabiso layo lokuvuthwa kuthiwa kuthengiswa kwisaphulelo.)
Umtyalo-mali owathengile i-bond yakho ye-$ 970 ngoku uya kufumana i-$ 120 yomdla, kunye ne-30 eyongezelelweyo yenqununu xa i-bond bond ikhula. Ngenxa yokuba babekwazi ukuhlawula imali encinci yebhondi, babeza kufumana ixabiso leedola elifanayo, ngaphezu kwexesha elifanayo, njengokungathi bathenga ibhondi esanda kukhishwa ihlawula umyinge ophezulu.
Ukuba ubambe isibopho sakho sokukhula, ufumana i-$ 1,000 epheleleyo. Intengo ekhoyo yamatyala ye-intanethi yimiba kuphela xa uthengisa ukukhonkxa kwakho ngoku. Oku kwenza ukuba izibophelelo ngamnye zikhethwe kakuhle xa ufuna isiphumo esithile. Uyazi ukuba uzakufumana phi kwaye uza kuyifumana nini, kwaye akudingeki ukuba uxhalabe ngamanani okuguquka. Ingeniso yomhlalaphantsi, iibhondi ngamnye zisoloko zisetyenziswe kwizinto ezibizwa ngokuba yi- bond ladder ukudala umjikelezo wonyaka wokuhamba kwemali esetyenziselwa ukuhlala kumhlalaphantsi.
Iimpahla zeBond, iiRhafu zeNzala kunye nexesha
Kukho umgaqo onokuwusebenzisa ukuqikelela umphumo utshintsho kwixabiso lentlawulo liya kuba ne-bond okanye ibhondi yebhondi. Kwiphepha elimhlophe, I-4 Percent Rule ayikhuselekile kwiLizwe elithengisa phantsi, ababhali uMichael Finke, uWade Pfau, kunye nombuso kaDavid Blanchett, "Indlela enye yokukhawulelana nefuthe lokutshintsha kwexabiso lentengo kwixabiso leebhondi ukwandisa ubude bebhondi ngokutshintshwa kwamaxabiso amanqanaba amaxesha amaninzi.
Ngokomzekelo, ukuba amaxabiso enzala anyuke ngo-2%, ibhondi kunye nobude beminyaka emi-5 (ubude obukhoyo be-Barclays Aggregate Bond index) luya kuncipha kwixabiso ngeli-10%. Impembelelo kwizibophelelo ezinokuhlala ixesha elide (umzekelo, iminyaka eyi-15) kuya kubonakala ibe yimbi kakhulu.
Ukusebenzisa le fomyula, kufuneka uqonde kwaye ukhangele ixesha lokubambisa, okubhekiselele kwimilinganiselo elula ukuba ulinganise ubude bexesha eliya kuhlawulwa ngalo. Ephakamileyo ixesha, i-bond ye-bond okanye i-bond ye-bond iya kuba yintshintsho kwizinga lentengo.
Ezinye izinto ezichaphazela amaxabiso eBond
Umzekelo endiwunike wona awubhaliseli kuzo zonke izinto ezichaphazela intengo yemarike. Intlawulo yokugqibela yesibophelelo ixhomekeke kumgangatho weekhredithi, uhlobo lweekhonkco , ukukhula, kunye nokuphindwa kweentlawulo zenzalo.
Ngokubanzi, iibhondi ezinemigangatho efanayo ziya kutshintshela kumazinga enzala ngendlela efanayo.
Ukuba unayo i-fund ye-bond, ixabiso lezabelo ze-fund iya kubonakalisa intlawulo ehlanganisiweyo kuzo zonke iibhondi eziphantsi kwe-fund.
Nguwuphi uhlobo lweebhondi ezidibanisa kakuhle kwi-Environmental Interest Rate?
Kukho iintlobo ezimbini zeebhondi ezingasayi kuhla xa amazinga enzala ephakama. Iingxowa-mali zombini zee-bonds kunye neengxowa -mali ezichitshiweyo-mali ezinokuthi zithengise ukunyuka kwamaxabiso zingalondoloza ixabiso lawo kwimeko yokunyuka kwemingalo ngenxa yokuba iintlawulo zenzalo kulezi zibophelelo ziya kulungiswa.
Kwakhona, ukuba unayo iimbophelelo zomntu kunokuba ube neengxowa-mali kunye necebo lokubamba izibophelelo zakho ekukhuleni, ngoko awuyi ku funeka uxhalabe ngeenguqu zentengo njengoko ungenaso isicwangciso sokuthengisa i-bond yakho, ngoko ke ixabiso lexeshana alikho nto kuwe.