Icandelo lokuqala
Izibophelelo zeqhosha le-Zero okanye i-zeros azienzi iintlawulo zenzalo eziqhelekileyo njengamanye amabhondi. Ufumana yonke inzala kwisinye isixa semali xa ubophelelo lukhula.
Uthenga ubophelelo kwisaphulelo esicacileyo uze usikhulule ngokubaluleka kobuso xa ukhula.
Ukwahlukana ngumdla oye waqokelela kwiminyaka.
Iimpawu ezihlukeneyo
Izibophelelo zeqhosha le-Zero zivela ngokukhawuleza ukusuka kwinye ukuya kwiminyaka emashumi mane. Imiba ye-Nondyebo yase-US yinto ethandwa kakhulu, kunye noomasipala kunye namashishini.
Nazi ezinye iimpawu eziqhelekileyo zezibhonkco zeconponsi:
- Ikhutshwe kwinqanaba elincinci kwaye lihlawulelwe ngokubaluleka kobuso obupheleleyo
- Abanye abathumeli bangabiza ii-zeros ngaphambi kokukhula
- Umele uhlawule irhafu kwintlalo ngonyaka nangona ungayifumana kuze kube yilapho ukhula
- Izibophelelo zeqhosha le-Zero zivutha kakhulu kunezibophelelo eziqhelekileyo
Kwiintlobo zontathu ze-coupon bonds, iibhondi ze-US Treasury zithandwa kakhulu.
Nangona kunjalo, i-US Treasury ayibakhupheli ngqo; kufuneka uthenge "i-STRIPS" kwiziko lemali okanye abadayisi abafanelekileyo.
I-STRIPS ibonisa ukuThengiswa okuThile koNomdla kunye neNqununu yeeNgcaciso kwaye ithetha ukuba isikhungo sezemali sithathile udaba lwe-Treasury rhoqo e-US kwaye sahlula inkokhelo nenqununu kwiintlawulo ezimbini ezihlukeneyo.
Umvuzo oqhelekileyo upakishwa kwaye uthengiswe kubatyalali abafuna ukunyuka kwemali ethembekileyo kwaye inqununu iba yintlawulo yekhuphoni.
Ukholo olupheleleyo kunye netyala
Nangona uthengela i-STRIP (beza kwamanye amagama kwakhona) ukusuka kubathengi nakumaziko emali, basenokholo olupheleleyo kunye nekhredithi yoorhulumente wase-United States obenza ukuba batyalole ngokukhuselekileyo kwi-credit risk perspective.
Oomasipala kunye namashishini nabo bakhupha izibophelelo zeqhosha. Unesici esifanayo esisisiseko sokuthengiswa kwisaphulelo esicacileyo size sihlulwe kwixesha elizayo ngokubaluleka kobuso obupheleleyo.
Nangona kunjalo, ezinye zezinto ezinokubakho zinokuba nezixhobo zefowuni ezivumela umkhupheli ukuba azikhulule ngaphambi kokukhula. Qiniseka ukuba khangela ukuba ngaba nayiphi na imiqathango phambi kokuba utyalomali.
Izibophelelo ze-coupon zakwaMasipala zikhululekile kwerhafu yengeniso ye-federal njengezibophelelo zikamasipala eziqhelekileyo.
I-arhente enkulu ye-arhente inqanaba lezona zibophelelo zebhonkco ezifanelekileyo. Eli nqanaba lingatshintsha ngexesha lobomi bebhondi, enokuchaphazela intengo.
Umngcipheko weMeko
Izibophelelo zeconponsi zenkampani zithwala umngcipheko wokungagqibekanga kwaye zihlawule izivuno eziphezulu. Uninzi lwaba luncedo lwamanani.
Uninzi olukhulu lwesaphulelo oya kuhlawula? I-Treasury yase-United States inikeze lo mzekelo:
"Ngokomzekelo, cinga ukuba i-STRIPS ezintathu zicatshulwa kwimarike kwisivuno sama-6.50 ekhulwini.
- Ixabiso le-STRIPS elineminyaka engama-25 elisele ukukhula liza kuba yi-$ 202.07 ngemali eyi-$ 1,000 yemali
- Okokuba ii-STRIPS ezineminyaka eyi-10 eziseleyo ukukhula ziza kuba yi-$ 527.47 ngemali eyi-$ 1,000 yemali
- Ukuba iminyaka engama-2 ye-STRIPS yayiza kuba yi-$ 879.91 yeeR $ 1,000.
Njengoko uyakubona, ekugqibeleni uya kwixabiso eliphantsi lokugqibela lakho kunye nomsebenzi wokuqulunqwa komsebenzi ukwenza ukuba ube nexabiso elipheleleyo lobuso.
Isiphelo
Uthenga izibhonkco zeconponsi isaphulelo esisisiseko ukuze ubhekane nexabiso. Awufumani nentshisekelo kuze kube yilapho ukhula; Nangona kunjalo, kwiimeko ezininzi uhlawula iirhafu rhoqo ngonyaka ngentshisekelo njengoko ufumana.
Kwingxenye yesiBini
Kwingxenye ebini, siya kujonga ngokuthe ngqo kwiimpembelelo zerhafu zebhondi zeqhosha kunye nokuhlola indlela ongasebenzisa ngayo i-zeros ukuhlangabezana neenjongo zakho zemali.