Ukubuyisela kwakhona iNgeniso yakho yeNgxowa-mali yeBond ye-Bond ukuze uzuze kwiMandla yoPhicotho
Amandla okuQinisa
Makhe sibone ukuba kutheni le nto kunjalo. Yithi umtyalo-mali uthenge izabelo ezi-1,000 ze-bond mutual fund kunye nexabiso lentengo ye-$ 10 kunye nesivuno se-4%.
Ngenxa yokucaca, siya kucinga ukuba intengo yesabelo seengxowa kunye nesivuno asitshintshi. Umtyalo-mali ufumana i-$ 400 ngonyaka kwimali engenayo evela kwingxowa-mali, okanye i-$ 33.33 ngenyanga.
Ukuba umtyalomali ukhetha ukuthatha ingeniso ngendlela yokutshekisha inyanga nganye, uya kuba nale $ 33.33 ekhoyo ukuyisebenzisa. Nangona kunjalo, utyalomali uya kugcina kunye neengxowa zakhe eziyinkulungwane ezingenalo ithuba lokuzuza kumandla okuhlanganiswa.
Ngakolunye uhlangothi, cinga oko kwenzekayo kwiakhawunti yomtyalomali xa le mali ingeniswa kwakhona. Inyanga yokuqala, loo $ 33.33 ithenga amasheya amatsha amatyala. Esikhundleni sokuba ne-1,000, unayo i-1,003.33. Ngenyanga ezayo, loo mveliso u-4% uvelisa i-$ 33.44, eyaphinda inikwe imali kwi-fund. Ngenyanga nganye, inani lemali engenayo lifunyenwe likhula kancinci, kwaye ngalunye ixesha lithengwa ngezabelo ezimbalwa ngaphezu kwenyanga leyo ngaphambili.
Oku kunokuba kungathi kuninzi.
Emva koko, yintoni enyanzelisayo ukuba i-11 cents enye ngenyanga yokuqala? Kodwa ngaphezu kwexesha, imali eyongezelelweyo evela kwi-reinvestment inokongezelela koko:
- Ekupheleni konyaka wokuqala, umzekelo-mali, uya kuba neenombolo ezi-1,037.28 (ezixabisa i-$ 10,372) kunye nengeniso yakhe yenyanga iya kuphakama ibe ngu-34.60.
- Ekupheleni konyaka we-5, i-akhawunti iya kukhula ibe yi-1216.94 izabelo ($ 12,169,40), kwaye isivuno esifanayo esingu-4% siya kufaka i-$ 40.60.
- Emva kweminyaka eyi-10, umtyalomali uza kuba nama-1485.88 amasheya ($ 14,858.80), kunye nengeniso yenyanga engama-49.50.
Imathematika iyaqhubeka ngendlela efanayo nangona kungakanani ukwandisa ixesha, ukubonisa ukuba umtyalomali okhetha ukubuyisela imali yakhe engenayo kwingxowa-mali ephuma phambili phambi kotyalomali othabatha imali engenayo.
I-Dollar Indleko yokulinganisela
Xa uthethile oku, kubalulekile ukuba ugcine engqondweni ukuba inkqubo yokubuyiswa kwempahla ayisebenzisi ngokucocekileyo ebomini bokwenyani njengomzekelo ongentla. Iingxowa-mali zolawulo ngokubanzi zibonisa ukungazinzi okufutshane kunye nomngcipheko kunokuba izabelo zesitokethi sisodwa kodwa zikwazi ukulawula ngokuthe ngqo ukuhlawula amaxabiso amaxabiso entengo kwixabiso. Ngenxa yoko, inqununu kumzekelo ongentla ayiyi kuba yi-$ 14,858 eyiyo-ingaba phezulu okanye iphantsi kuye kuxhomekeka kwiimeko zemarike.
Kukho inzuzo kule nto, nangona kunjalo: ukuba ixabiso lesabelo le-fund lihla, umtyalo-mali ovuselela ngokuzenzekelayo uthenge amasheya angaphezulu. Ngakolunye uhlangothi, xa ixabiso lesabelo likhuphuka, umtyalomali ovuselela izabelo zakhe uthenga izabelo ezimbalwa. Oku kubizwa ngokuthi "idola libiza ixabiso," kwaye lizenzekelayo ukuthenga okuphezulu nokuthengisa okuphantsi.
Kufuneka kuthethwe ukuba abantu abaninzi, ingakumbi abo basemhlala-phantsi, kufuneka bathathe ingeniso kwiingxowa-mali zabo ukuxhasa uKhuselo loLuntu, iimpensheni zabo, okanye ezinye iimithombo zengeniso yomhlalaphantsi.
Kodwa ukuba ungenayo imfuno esheshayo yemali ngesandla, i-repvestment isisoloko isilumko.
Funda kabanzi malunga neziseko zobungqina kwiBonds 101 .
Ukuziphendulela : Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lithathwe njengengcebiso-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso. Soloko ubonisana nomcebisi-mali kunye neengcali zerhafu ngaphambi kokuba utyale.