Ngayinye Inabo Iingenelo Zabo Neengxaki
Nangona ukutshala imali kumabhondi ngamnye kuya kwenzeka, oku kungenakucetyiswa ngaphandle kokuba ubuncinane ubuncinane be-portfolio. Kubalimi abancinci, kukho enye into: i-bond joint fund, okanye i-fund yebhondi njengoko ibizwa ngokuqhelekileyo.
Xa abaninzi abatyalo-mali bexoxa ngeengxowa-mali zombini , bahlala bexoxa malunga neengxowa-mali ezilawulwa ngokufanelekileyo kwezoqoqosho ezityala kwiimpahla , ngokuqhelekileyo ngendlela yesalathisi . Iimali zeBond, ngokuphambene, zihlawulela imali kubasomali-mali ukuthenga izibophelelo, ukufumana ukungafani okungeke kwenzeke kubantu abangabutyebi. Ezinye iingxowa-mali zixhomekeke kwiibhondi zenkampani , ezinye zibophelelwane zikamasipala, ezinye zikhombise izibophelelo ezingekho . Enyanisweni, iingxaki zikhona ukuba ufuna ukufumana uhlobo oluthile lokubambisana, kukho isikhwama sokubambisa esiza kukuvumela ukuba wenze ngokuncinane njengamakhulu ambalwa, okanye mhlawumbi amawaka angama-dollar.
Izinzuzo zokutyalomali kwiiNgxowa-mali zeBond
Kukho iinzuzo ezininzi zokutyalomali kwiimali ezibophelelweyo.
Ziquka:
- Iimali zeBond zihlawula iirhafu eziphezulu eziphezulu kunezatifikethi zediphozithi , iimali zemarike yemali kunye ne-akhawunti yebhanki.
- Ngokuqhelekileyo, akunakwenzeka ukuba abatyala-mali abancinci baqokelele iipotfoliyo zezintlu ezahlukahlukeneyo ngenxa yokuba iinqununu kufuneka zithengwe kwiinkonzo ezinkulu kunama-stocks-ngamanye amawaka i-$ 1,000, i-5,000, i-$ 10,000, i-25,000 zamawaka okanye ngaphezulu ngokuxhomekeke kumkhupheli. Akuyona ingxaki kuba iibhanki zemali zorhweba kwiintengo ezincinci zezabelo, okwenza ukuhlukahluka okanye abo banama-dollar ambalwa kuphela, banciphise umngcipheko.
- Abatyalomali banokufumana inzuzo yabaphathi bezemali abaqeqeshwayo abawaziyo intsimi yabo. Ngeke kulungele ixesha okanye umgudu womntu oqhelekileyo ukuba afunde imigaqo eyahlukileyo yeebhanki zikamasipala, umzekelo, njengokungqinelana okukhulu phakathi kweeNkxaso-mboleko eziMiqathango kunye neeNgxowa-mali. Ukufumana imali yebhanki kwenza ukuba ingqiqo ibangele ngenxa yokuba umphathi wezikhwama unoxanduva lophando losuku ngalunye.
- Iimali zeBond zifumana ixabiso elingcono kunomtyalo-mali omncinci kwiibhondi ezifunyenweyo. Ngokungafani nemakethe yemasheya apho i-bid kunye nokubuza ibonakaliswa ngokucacileyo, awukwazi ukuba uninzi lwe-markup yakho ye-brokerage firm ubeka ubhondi. " Ukusasazeka ," njengoko kuyaziwa, phakathi koko umthengi ohlawula kunye noko umthengisi efumana khona kwibhondi ethile kunokukhulu xa uthengela imiba ethile. Ngenxa yobukhulu babo, ukulinganisa, nokuzimisela ukuthatha iindawo ezinkulu, iimali ezibophelelweyo ziya kuba neengxaki ezintle zokufikelela kwimilinganiselo ekhangayo.
- Ukutshala imali kwiimali ezibophelelweyo, kunzima kakhulu kunokuba ube neengxaki ezizimeleyo ngenxa yokuba akudingeki ukuba unakekele " ukunyuka " kwiphothifoliyo yakho (oko kukuthi, ukulawula umhla wokuvuthwa kweebhondi ezahlukeneyo), ukurekhoda ngamnye umtshato wesheke njengoko kuza okanye okanye ifakwe kwi-akhawunti yakho yomrhwebi, okanye ukujongana neemeko ezizodwa ezifana nezibophezelo ezibizwa ngokuba yi-nkampani-oko kukuthi, inkampani iyancenga ukuba uyithengise kubo ngokusekelwe kwisivumelwano sokubambisa esilungileyo. Ngemali yezibophelelo, zonke ezo zinyamekelwa kwiinkampani ezilawulayo. Ufumana nje ukusabalalisa kwakho rhoqo kwintlawulo kwiibhanki kunye neyo.
- Iingxowa-mali ezininzi ezinxulumene nazo zihlawula inzala kunye neengeniso zenyanga ngenyanga kunoko-semi-ngonyaka, njengoko kunjalo nangama-bhondi ngamnye. Yenza ukuhamba kwemali kungaphantsi koxinzelelo kubarhwebi-mali abatya ingeniso abafuna iimpazamo eziqhelekileyo rhoqo kwiimali-zemihla ngemihla.
Imiba yokuTyala kwiiNgxowa-mali zeBond
Njengazo zonke izinto ebomini, kubakho ubunzima bokuhamba kunye neengxowa ezintle kunye nezibophelelo. Nangona zonke izibonelelo ezikhankanywe ngasentla, zikhona iingxaki ezingenakwenzeka ekutsaleni imali kuphela ngemali ebophekileyo kunokuba ufumane izibophelelo zakho. Ezi ngxaki zibandakanya:
- Iimali zeBond zinexabiso elininzi leendleko, oku kuthetha ukuba ngaphezulu kweedola nganye kuya kwiimali zokulawula kunexeshana ezifanayo.
- Ngentambo yomntu ngamnye, ingozi iyancipha xa uhlala ubambe ukhuseleko ngenxa yokuba usondela kufutshane xa ufumana inqununu yakho emva kwenkampani okanye inhlangano owawubole yona. Akuyinyaniso ngeengxowa-mali ezizibopheleleyo kuba iimbopheleleko zabanye zihlala zikhula, zithengwa zithengiswa, njl njl.
- Kwimeko yolawulo olukhuselekileyo, iimali zebhanki zingathatha inzuzo. Ukuba awuyikunyamekela oku, unako ukutyhila kwiintlobo ezinkulu zokulahlekelwa kwelahleko kwaye ungayazi. Ngokuqhelekileyo, kungafanelekanga ukuba abatyali-mali abaqhelekileyo babe neengxowa-mali ezibophelelweyo kwaye kufuneka bagwenywe njengesibetho ukuba unayo nayiphi na ingqiqo yokulawulwa kwengozi .
- Imali engenayo yenyanga evela kwiimali ezibophelelweyo iyanqatshula njengoko i-assets bond bond ishintsha. Ngeke ukwazi ngokuchanekileyo ukuba uza kuqokelela ngaphi nawuphi na unyaka.
- Ezinye iibhanki zemali zihlawula iifizi zokuhlawulela xa uthengisa izabelo zakho ngexesha elithile (zithi, iintsuku ezingama-60 okanye ezingama-90).
- Iimali ezithile zeekhonkco zinokuba nemithwalo yokuthengisa , eyona ntlawulo kunye neekomishini kwiinkampani zeengxowa okanye kwiziko lemali elithengisa utyalo-mali.
Ngaba Ufanele Uqwalasele Ukutshala imali kwiNgxowa-mali yeBond kwi-Portfolio yakho yoNtsapho?
Inyaniso yolu mbandela kukuba akukho mpendulo echanekileyo okanye engalunganga xa kuziwa kwiimali ezibophelelweyo. Iimali zeBond zenza ingqiqo kulabo abangaphantsi kwee-100,000 zama-dollar ukuzinikezela kwiipotifoliyo zabo ezingenayo okanye abo bafuna nje ukulungele ukuthenga nokuthengisa ibhaskiti yeebhondi kunye nokuthengiswa komnye.