Ukwahlukana okwangaphandle kodwa okungafaniyo phakathi kwamabhondi kunye neAIPS
Lo mzekelo weentlukwano phakathi kwe-TIPS kunye ne-Bonds zinganceda ekukhokele xa usenza isigqibo malunga nokuba luhlobo luni lotyalo-mali olulungele kuwe.
Ukuthenga iiCaps
Inombolo yekhompyuter I Iibhonki ongayithengayo kunyaka omnye wekhalenda ifakwe kwi $ 10,000 ngomntu ngamnye ngo-2017.
Unokuthenga i-$ 5,000 eyongezelelweyo kwizibophelelo zephepha xa ubeka imali yakho yokubuyisela irhafu ekuthengeni. Kukho imali engama-25 engaphantsi kwaye ingaba yintenki, njenge-$ 25.99.
Unokuthengwa ukuya kwii-5 ezigidi ze-TIPS kwi-TIPS kwintengiso enye usebenzisa i-Treasury Direct. Kukho i-$ 100 ubuncinci.
Imigangatho emininzi yobunini
I-TIPS azikho ubuncinci bexesha lobunikazi. Ungabathengisa kwimarike yesibini nanini na.
Awukwazi ukuthengisa iiBonds ukuya kwiinyanga ezili-12 emva kokuzithenga, kwaye uya kulahleka inzala yeenyanga ezintathu ukuba uzikhulule ngaphambi kokuba ubeneminyaka yabo emihlanu.
Yonyango
Inzala kunye nayiphi na ukwanda kwinqununu ukusuka kutshintsho lokunyuka kwamaxabiso ihlawulwa ngunyaka ngamnye xa uthengisa i-TIPS. Unako ukuhlawulwa kwerhafu engazange uyifumane kodwa ngenxa yokuba awufumani ukwanda kwinqununu yobhondi de uze uyithengise. Lo mbandela wenza ukuba kubekho ukukhangela irhafu kwi-TIPS kuma-akhawunti aphantsi komhlala-phantsi.
Inzala iyongezwa kwixabiso le-Bond kwaye ihlawulwe kuphela ekuhlengweni.
Zombili i-TIPS kunye ne-Bond interest inxhomekeke kwingxowa yerhafu yombuso, kodwa ngokuqhelekileyo ihlawulwa irhafu ngenjongo yerhafu karhulumente kunye neyekhaya.
Ukusebenza Ngethuba Ngethuba Lokuchasana
I-TIPS zingakwazi ukuhla ngexabiso kwiimeko ezichasayo kodwa ziya kuhlala zifaneleke ubuncinane isixa-mali esiyintloko ekuhlawulelweni.
Iibhondi azinakuzehla phantsi kwexabiso lebhanki kwinyanga yokuqala. Naluphina utshintsho olusenyukayo lwamaxabiso olusifumanekanga alukwazi ukuchithwa ngethuba lokuchaswa kwexesha elizayo.
Imigaqo ekhoyo
I-TIPS zikhutshwe kwi-5-, 10 ne-30 yeminyaka.
Iibhanki zihlawula umdla iminyaka engama-30. Unokuzikhulula emva kweenyanga ezili-12.
Indlela Ukulungiswa Kwemveliso Yentengo
IINTSHONONGO zenqununu zilungiswa ngenguqu kwixabiso lentengo yabathengi , mhlawumbi okanye phezulu. Umyinge wenzalo uzimisele ukukhutshwa. Ixabiso leedola elihlawulwa liya kuxhomekeka kwinani eliyintloko lebhondi ukwenzela ukuba inani eliphakamileyo lenzalo liya kuhlawulwa xa inqununu ishintshiswa phezulu ngokususelwa kwenyuka kwimali yokunyuka kwamaxabiso.
Inxalenye echaseneyo yerhafu ye-I Bond isetyenziswe njalo emva kweenyanga ezintandathu. Isekelwe kwinqanaba lexabiso labathengi. Le nqanaba echaseneyo ihlawulwa ngokunyuka kwizinga elimisiweyo elichanekileyo xa kukhishwa umyalelo.
Kuphi ukuthenga nokugcina le mali-mali
I-TIPS zingathengwa kwi-intanethi ngeNondyebo ngqo okanye kwi-bhanki okanye umthengisi. Ungasebenzisa umrhumo ongaqinisekisi kwaye uthathe isivuno semarike. Ukuba uhamba ngebhanki, umthengisi, okanye umthengisi, unokwenza ibhidi lokukhuphisana ukuba uchaze izinga lakho elifunayo, kodwa ungeke ufune ukufunayo.
Iimali zeBond zifumaneka kuphela kwi-intanethi ngokuTyebileyo kwiNondyebo.