Izinto eziThathu ezenza iMbuyiselo yeeBondary Bonds
Kodwa yintoni na abaqhubi bentsebenziswano yeebhanki - kunye nokongezwa, ixabiso leefowalifoli-zimali-mali ngosuku? Imiba emithathu ibonakala ngathi ibaluleke kakhulu.
Iintlawulo zeNzala
Ekubeni izibophelelo zenkampani zixabiso kwi " isivuno sazo" ngokubhekiselele kwi-Treasury yase-US - okanye ngamanye amazwi, ukuxhamla kwemveliso enikezelayo ngokumalunga noxanduva lweburhulumenteni - ukunyuka kwintsebenzo yezibophelelo zikarhulumente kunempembelelo ngqo kwiintlobo zemicimbi yenkampani.
Ngokomzekelo, i-Acme Corp ikhupha ibhondi kwi-5% xa uNondyebo weminyaka eli-10 e-3% Kwiingcamango, ukuba isivuno kwi-Nondyebo siwela kwi-2.5%, isivuno kwi-bond bond siza ku-4.5% (konke okulinganayo). Gcinani engqondweni, amaxabiso kunye nezivuno zihamba kwiindlela ezichaseneyo .
Impilo yezeMali yeCandelo eliPhakamileyo
Ephakamileyo umngcipheko wokhuseleko oluphantsi, ukuphakama kwesivuno kuya kubakho.
Ngenxa yoko, utshintsho kwimpilo yezezimali luya kuthintela amaxabiso enkampani yakhe yamatyala. Ngokomzekelo, i-Acme Corp. Iingxelo zengxelo yeerhafu kwaye ibonisa inani elongezelelweyo lemali kwi-balance sheet. Abatyalomali baya kuziva bekhululekile ukufumana loo mbopheleleko, kwaye ngoko ke abayi kufuna ukuba kubekho isivuno sokubamba kwiipotifoliyo zabo.
Isiphumo: ukuvunwa kwezivuno kunye namaxabiso aphakama.
Ngakolunye uhlangothi, ukwehla kwezoshishino kubangela enye inkampani ukuba ibhengeze ilahleko kwikota. Abatyalomali, abanenkxalabo yokuba inkampani iya kufuna ukutshisa ngemali ukugcina imisebenzi yayo, ikhule ngakumbi ukhathazekile ngempilo yezemali yenkampani. Njengoko uphuhliso olunjalo luya kubangela ukuba ixabiso lempahla yenkampani liwele, ngokunjalo kuya kubangela ukuba kuthengiswe amanani entengiso (kunye nezivuno eziphezulu). Ngoba? Kulula kakhulu, kuba iimeko zoshishino ezibuthathaka kunye nokulinganisela kwemali engezantsi kwandisa amathuba-nangona kunjalo-ke ukuba inkampani ingahle ihlawulwe kwityala layo. Kwaye, njengokuba umngcipheko ukhuphuka, ngokunjalo uvelisa. Olu hlobo lomngcipheko lubizwa ngokuba ngumngcipheko wemboleko .
Iibhanki zoshishino zifumana ukulinganiswa kweentengo zemali kwii-arhente ezinkulu ezifana ne-Standard & Poor ezisekelwe kwimpilo yabo yezezimali kunye nokukwazi ukuhlawula amatyala abo. I-arhente ziyakwazi ukuphucula okanye ukunciphisa ukulinganiswa kweenkampani, eziza kubangela ukuba amaxabiso e-bonds yenkampani aphendule xa iindaba zikhutshwa.
AbaPhathi beeNkcazo eziPhezulu zoMngcipheko kwiMakethe eMaratha
Ukusebenza kweebhanki zebhanki ngamanye amaxesha kuthinteka kwiingxaki ezingenanto enxulumene neenkampani ezikhuphayo, kodwa kunokuba zimbalwa zoshishino-mali-mali.
Xa ezi zihloko zikhangelekile, abatyali-zimali bakhula ngokukhululekile befuna amathuba okutyalo-mali ophezulu. Ukuphakama okukhulu kudala kubangele ukuphuma kweeNondye kunye nezinye "indawo ezikhuselekileyo" kunye nokutyalomali, njengamashishini, anika izivuno eziphezulu.
Ngakolunye uhlangothi, iziganeko eziphazamisayo kwizoqoqosho loqoqosho zenza ukuba abatyali-mali batyeke ukugcina into ebonwa njengengozi ephezulu kwimvelo. Ngethuba la maxesha, abatyali-mali basabela ekukhuselekeni koovimba be-US kwaye bathengise ezinye okanye zonke zabo utyalo-mali kumacandelo emakethi athathaka, kubandakanywa izibophelelo zenkampani. Ngezihlandlo ezinjalo, imiba ephantsi kweenkampani zoshishino zibethelwa nzima kunxulumene nabahlobo babo obuphezulu.
Iibhondi zeZiko: Ukuzibeka ndawonye
Kubalulekile ukugcina engqondweni ukuba kaninzi kuninzi, zonke izinto zintathu zisebenza ngxeshanye.
Oku kuyinyaniso ngokuthe ngqo kwi-fund ye-bond joint fund okanye i-ETF, apho impembelelo yenguqu kwiinkxaso zezimali zenkampani enye kunzima ukuyiqonda. Sekunjalo, ukuqonda le miba emithathu kunokubonelela ukuqonda okungcono malunga neemeko eziqhuba ukusebenza kweebhondi zenkampani.