Isikhokelo soKhuselo, iNzala, kunye neMigaqo yeRhafu yee-Bonds ze-US Treasury Bonds
Akukho tyala-mali lunikeza isithembiso sokhuseleko lwangexesha elide kunye nokuvunyaniswa kwemveliso yokuncintisana njengesiBondari seMinyaka eyi-30 ye-Treasury. Ezi zibophelelo (nje nge- T-Bills kunye namanqaku, iibhonki ze- Savings , kunye ne-GNMA) zixhaswa "ukholo olupheleleyo kunye nekhredithi" ye-US Treasury. Ngamanye amazwi, indlela yodwa umtyalo-mali ogcina ezi zibophelelo ekuvuthweni akayi kufumana iintlawulo zenzalo zonyaka kunye nokubuya kwayo kwinqununu, ukuba ngaba i-US Treasury ngokwayo yayiya kubhoxiswa.
Ukongeza kwokhuseleko olunikezwa ngu-30-year-old Bond Treasury Bond (eyaziwa ngokuba yi-"bond bond long"), inzala eyenziwa ngabatyalomali ayixoxwanga yerhafu yengeniso karhulumente. Oku kunokwenza uQhuphiswano lweNondyebo kaNyaka-30 kunye nenye imicimbi ekhuselekileyo yobungozi.
Ubuncwane boMnyango wezeMali eMelika
Iimali zeeNondyebo ze-Nondyebo zase-US zikhutshwe ngokuqala ngeminyaka engama-30 yokukhula komnyaka. Nangona kunjalo, ezi zibophelelo zithengiswa ngokuthe kratya "kwiimarike zesekondari" phakathi kwamashishini azimeleyo. Oku kuthetha umzekelo, ukuba kunokwenzeka ukuthenga i-Treasury Bond yeminyaka engama-30 ngeminyaka engama-27 kuphela.Amanani amabhondi eMelika
Iibhonki zeMali zoNyaka ze-30 zakwa-US zithengiswa ngokuncincika kwee-100 zamaRandi, kunye ne-$ 100 nayo yinto ephantsi yokuthenga. I-Nondyebo yase-United States inokuthi, ngezikhathi ezithile, "uvule kwakhona" okanye uthengise iimali ezongezelelweyo zeNgxowa-mali ye-Treasury Bond.Kuzo zombini kwezi ziko, ibhondi ye-$ 100 ingathengiswa ngokuncinci okanye ngaphantsi (eyaziwa njenge-premium okanye isaphulelo) ukulungelelanisa ukutshintsha kwezinga lomyinge ngexesha lokuthengisa.
Abathengi banokufuneka bahlawule "inzala engenayo" ukuba banokulindela ukufumana intlawulo yemali epheleleyo kwithuba apho bafumana khona isibophelelo kuphela kwinxalenye yexesha.
Iimali zoNyaka zeMali zoBondla zaseMelika
Uninzi lwabazali abathengisa i-US Treasury Bonds kwiikholeji okanye ezinye iindleko ziya kubazithenga ngokusebenzisa ibhidi elingenakukhuphisana.
Ngamanye amagama, abayithengi isixa esikhulu ngokwaneleyo ukuchaphazela ngqo intengo kunye nokuveliswa kwezibophelelo. Abatyalomali abathengayo phantsi komncinci ongeyomncintiswano banengcamango enokuthi yintoni amaxabiso abo abaza kuba nawo ngaphambi kokuthenga ubophelelo, nangona ngokuqhelekileyo ukutshintsha kancane.
Inzala kwiibhonki ze-US Treasury ibhawulwa njalo emva kweenyanga ezintandathu kwaye iya kufakwa kwiNondyebo-mali-mali okanye kwi-akhawunti ye-brokerage.
Imirhumo kwiibhonki ze-US Treasury
Inzala efunyenwe kwiibhondi ze-US Treasury ixhomekeke kwiirhafu zentlawulo ye-Federal, kodwa ikhutshwa kwiirhafu zemivuzo yengingqi kunye neendawo. Oku kuthetha ukuba iibhonki ze-Nondyebo ziyanqwenela ukuba abatshali-zimali kweli lizwe ngenani eliphezulu lentlawulo yerhafu.Ngokungafani ne-US Series I kunye ne-EE Savings Bonds, akukho zonyango zerhafu ezikhethekileyo kwi-Interest-Bond ye-30-year-year Bond interest or sales when it is done to help pay pay college.
Ukuthenga amabhondi e-US Treasury
Amabhondi e-US Treasury angathengwa ngqo kwi-Nondyebo yase-US ngokusebenzisa inkqubo yeSebe lezeMali, kwiibhanki kunye neendlu zokuthengisa, kunye nokuchithwa kwemivuzo.Amabhondi e-US Treasury njengeCwangciso loKonga kwiKholeji
Kukho isilumkiso esisisiseko sokuba abazali bacinge ngokusetyenziswa kweebhonki zeNkxaso-mali ka-30 njengeNkxaso-mali yekholeji: Ininzi yabantwana bethu iya kuba kwiikholeji kwiminyaka eyi-18 okanye ngaphantsi!Nangona amazinga aphakamileyo obubanjwe kwi-bond-Year-30 anqwenela, angabuya ukuhlawulela abazali abafanele bawathengise ezi zibophelelo ngaphambi komhla wokukhula ukuhlawula isifundo.
Ngokuxhomekeke kwimilinganiselo yemigangatho yemali ngexesha lokuthengiswa kwangaphambili, umzali unokwenene ukuba athengise ikhonkco yakhe kwisaphulelo ukuze atye umthengi.
Abazali abafuna ukufumana izibophelelo zorhulumente kubantwana babo bangabhetele ngakumbi ukujonga i- Series EE okanye i-Bonds , i- T-Bills , Amanqaku e-Nondyebo, okanye i-GNMA.