Isikhokelo sakho sokuqonda nokuTyala imali kwiiBond
Xa usebenza ngendlela yakho, uya kufumana iinqununu kumanqaku amaninzi endalomali. Unokuklikha kwikhonkco nganye, funda inqaku, uze ubuye apha uze ude uqedile.
Ngexesha ophelile, kufuneka ukwazi ngokwaneleyo malunga nokutyalwa kwebhanki ukubuza imibuzo yomthengisi wakho, umcebisi wezemali, umcebisi- mali obhalisiweyo , okanye inkampani yokulawula i-asethi . Inzuzo enkulu kunazo zonke kukuba awukwazi ukuziva uvakalelwa malunga nezigqibo zakho zotyalo-mali xa uqonda ulwimi kunye nobungozi.
Ngaphambi kokuba siqale, nantsi isicatshulwa esiphuthumayo: Iibhondi zihlobo lotyalo-mali olwenza ukuba utyalomali ubole imali kumniki-bhondi ngokutshintshela iintlawulo zenzalo. Iibhondi enye yezona zibalulekileyo zityalo-mali ezifumanekayo kulabo abalandela ingeniso yefilosofi yokufumana imali , benethemba lokuphila kwimali eyenziwe yipotfolio. Ngeendlela ezahlukeneyo ezifumanekayo kuwe, kubandakanywa izibophezelo zikamasipala, iibhondi zorhwebo, izibophelelo zokulondolozwa, kunye nezibophelelo zentengo, kufuneka ukwazi ukuba yintoni imeko yakho ekhethekileyo kunye neengozi ezinikezwa ngeentlobo ezahlukeneyo zeekhonkco.
Iindlela zokuTyala imali kwiiBond
Kukho iintlobo ezininzi zeebhondi apho ungafaka khona kunye nezinye iindlela ongabamba ngazo ezi zibophelelo. Nazi ezinye izixhobo kunye namanqaku onokufuna ukuwacingisisa. Ngelishwa, impendulo ayicaci. UBenjamin Graham ukholelwa ukuba abatyali-zimali abazikhuselekileyo akufanele babe ne-25% yeepotfoliyo zabo kwiingxowa-mali kodwa ixabiso kunye nemigandela yomcimbi; umzekelo, qwa lasela utyalo lwabatyalomali abatyalomali kwiibhonksi kunye neengxelo eziphantsi kweemveliso kunye nokukhula kweminyaka engama-50 ukuya ku-100.
- Ukutshala imali kwiibhanki zenkampani: Ngokubolekisa imali kwiinkampani, unako ukufumana izivuno eziphezulu kunokuba ufumane ezinye iintlobo zeekhonkco. Kuba abatyali-mali abaninzi abakuphakathi ukuya kwiibhakethi zerhafu eziphezulu, kungcono ukuzithenga kule ndawo yokukhusela irhafu efana ne- Rollover IRA .
- Utyalo-mali kwiimali zeMasipala : Esi sihlandlo esipheleleyo sokutshala imali kwiibhondi zikamasipala, ezikhutshwe kwiirhafu ezithile zorhulumente phantsi kweemeko ezithile. Yindawo enokuqala ukuqala ukuba ungaphakathi kumbindi ophezulu weerhafu. Ngokutyalomali kwizikolo zakho zendawo, izibhedlele, kunye noomasipala, awukwazi nje ukukunceda uluntu lwakho kuphela kodwa wenze imali. Xa ulungele ukuhamba ngaphaya kwezona zinto ezisiseko, ungafunda iimvavanyo zoKhuseleko kwiimali zeMasipala . Eli nqaku liza kukufundisa ezinye zezibalo onokuzenza, iimbono omele uzenze xa ukhangela utyalo-mali loomasipala.
- Iibhonki ze-Savings yase-US : Fumana imfundo ebanzi kwiimbopheleleko zokulondoloza, imbali yabo, iingqwalasela ngaphambi kokuzongeza kwipotfoliyo yakho kunye neerhafu zerhafu.
- Izihloko zee-EE zokugcina izibonelelo : Ezi zibophelelo ezikhethekileyo zinikela ngeenzuzo zerhafu kwimali-mali yemfundo, isiqinisekiso se-United States Treasury, izinga lokubuyisela elibuyisiweyo ukuya kwiminyaka engamashumi amathathu, nangaphezulu.
- Iingqungquthela Iibhondi zokugcina: Iingqungquthela Iibhondi zokonga zibonisa izinga lentengo esekelwe kuyo, ngokwengxenye, kwiinguqu kwimali yokunyuka kwamaxabiso, iqinisekisiwe ukuba ingalokothi ilahlekelwe yimali kwaye ixhaswe ngamandla okurhoxisa kaRhulumente waseUnited States. Le ngqokelela yamanqaku aya kukufundisa indlela yokutshala kwi-Series I iimbophe zokulondoloza, xelela ukuba ubani ofanelekileyo ukuba abe ngowakhe, kwaye uchaze imida yokuthenga yonyaka.
- Iimali zeBond kunye neebhondi : Abanini-mali abatsha abazi ukuba ngaba kufuneka babe neebhondi ngokuthe ngqo okanye batyalwe kwiibhondi ngokusebenzisa uhlobo olukhethekileyo lwe-fund fund ebizwa ngokuba yingxowa-mboleko. Ziziphi iintlobo, iintlobo, kunye neenzuzo? Thatha amaxesha ambalwa ukufunda eli nqaku ukufumana iimpendulo.
- Iibhondi ze-Junk : Enye yezona zihlobo ezigqithiseleyo zokubambisa abatyali-mali abatsha bahlala bebona into eyaziwa ngokuba yi-bond bond. Ukukhupha izivuno eziphezulu, eziphindwe kabini kwiimimandla zentsingiselo eziqhelekileyo, ezi zibopheko ezinobungozi zingakukhangela ngesithembiso sezinto ezibukhali kwi-imeyile, kodwa usishiye phezulu kwaye wome xa iinkampani ezizikhuphayo zilahlekelwa iintlawulo okanye zihambe. Unamathele kumabhondi ebakala lokutshala, endaweni yoko . Ukuba awukwazi oko ukwenzayo, khusela okukhuselekileyo kwaye ulondoloze ukubamba kwakho kwiibhondi ezilinganisiweyo .
- I-Flavored Many Stock Stock : Impahla ekhethiweyo yeenkampani ezininzi ngokwenene iyafana kakhulu nokutyalomali-mali, kuba ezo zombini iintlobo zotyalo-mali zivame ukuziphatha ngendlela efanayo. Ukuqonda utyalo-mali, kufuneka uqonde i-stocks ezikhethiweyo kuba imithetho yerhafu ikuvumela ukuba ukhokhe phakathi kwe-0% kunye no-23.6% kwimali engenayo yemali efunyenwe kwiimpahla ezikhethiweyo, xa kuthelekiswa ne-39.6% epheleleyo + kuxhomekeke kwi-bracket yakho yentlawulo kwimali engenayo kwimithwalo.
Izingozi zokuTyala imali kwiiBond
Nangona amabhondi anegama elibangela ukuba abantu bakholelwe ukuba banokuphepha kunezona zikhokelo, kukho ezinye iingozi ezibangalisa abatyala-mali abatsha abangakwaziyo ukunciphisa umngcipheko.
- Indlela i-Bond Spreads inokulimaza ngayo abatyalo-mali : I-Bond isasazeka yikhomishini efihliweyo ehlawulwe kuwe xa uthenga okanye uthengisa amabhondi. Ngamanye amaxesha banokuhlawula amawaka eedola rhoqo xa uthenge intambo enye! Funda indlela yokuzichonga kunye nezindlela ezinokuncitshiswa ngazo.
- Ukuqonda ixesha lokubondana: Leli gama libonakala lilula libhekisela kwinto yokuba ukuba uthengisa isibophezelo esakhula kwiminyaka engama-30, sinokutshintsha ngokugqithiseleyo kunokugqithisa okugqithisileyo kwiminyaka emibini. Kwezinye iimeko, iibhondi ezinamaxesha aphezulu zinokuthi ziguquke ngokufana neentoko! Funda ukuba yeyiphi ixesha lokubambisana kunye nendlela onokuyibala ngayo kweli nqaku elibalulekileyo.
- Ingozi yokuTyala imali kwiiBhanki zangaphandle : Xa uthengisa izibophezelo zamanye amazwe okanye nakwiinkampani ezikuye kwamanye amazwe, kukho ingozi eyona nto ongayiboni kuyo xa uthenge kwilizwe lakho. Ukuba unemikhankaso kwiinkampani zeoli zise-Venezuela, umzekelo, ufumene iifayili zakho zizwe kwaye uthathwe ngumtyholi wodumo uHugo Chavez ngaphandle kwendlela yokubuyisela oko ulahlekileyo. Eli nqaku lichaza ezo ngozi kunye nezinye zezinto onokuzenza ukuze uzincitshe.
Iingxelo eziPhambili zeTyalo-mali
Amanani amabhondi asetyenziswa rhoqo njengethuluzi lokulinganisela ukuncedisa abatyali-mali abaqeqeshiweyo ukuba bafumene ukuba i-stocks ezibizayo kunye nezinye iimpahla ziphi. Oku kwenziwa ngokuthelekisa isivuno semboleko kwiintlobo ezithile zeekhonkco zika rhu lumente ukuya kwiimali ezivunyiweyo kwi-stock.