Bond Yiza ngokuPhindela
Imali ingeniso yenkxaso-mali yokuba i-fund ihlawula malunga nenyanga okanye ngekota.
Umtyalomali unokuthatha le ntlawulo ngenkokhelo okanye abuyele kwakhona kwingxowa-mali ukuthenga izabelo ezintsha. Kukho iindlela ezahlukeneyo zokubala isivuno, esinokuba ngumthombo wokudideka kubanini-mali abaninzi, kodwa ezi manani ahlukeneyo zichazwe kwinqaku lam, Yintoni Intengo Yokusabalalisa? Umgca ongundoqo kukuba ukuba ixabiso lesabelo seengxowa-mali ayingatshintshi kwaye lihlawule isivuno se-5% kunyaka owenziwe, ukubuya kwenani lemali kuya kuba ngu-5% waloo nyaka.
Ngelishwa, akusoloko kusebenza ngaloo ndlela ebomini boqobo. Ukongezelela ekubuyiselweni okunikezelwa ngumvuno, ukuguqulwa kwemihla ngemihla kwixabiso lentengo (okanye "ixabiso lexabiso lexabiso") liphinde lenze igalelo ekubuyeleni ngokupheleleyo. Ngonyaka owenziwe, oku kuguquka kunokubangela ukuba ubuyonke bubuye bube buphezulu okanye bube buphantsi kweso sivuno. Ukuba i-fund evelisa u-5% nayo inokwanda kwe-5% kwintengo yesabelo sayo, ukubuya kwayo yonke i-10%. Ukuba enye ingxowa-mali iyafumana ama-5% ekunciphiseni ixabiso lentengo, inani lokubuyela li-0%.
Ngokuxhomekeke kwintlobo yeengxowa-mali, ezi ziguquko zingaba neempembelelo ezahlukeneyo ekubuyiselweni. Ngokomzekelo, iimali-mboleko eziphezulu ezikhulayo kunye neemeko ezikhulayo zivame ukuba nokunyaniseka okukhulu kunokuba iifowuni zexesha elifutshane lizalise imali kwi-securities ephezulu. Ngaphambi kokutshala imali kwingxowa-mali, abatyali-mali kufuneka baqiniseke ukuba banako ukukhululeka.
Nangona i-fund efaka imali kwizibophelelo ezivunyiweyo eziqhelekileyo iya kuba nesivuno esiphezulu kunesinye isikhwama sebhondi esitshala kwii-securities zezinga eliphezulu, inani lemali yokuguqulwa kweenqununu alingafanelekanga kubatyalo-mali abanokunyamezela okanye abangayidinga imali elizayo.
Indlela yokuNikwa kweNkunzi yeNtengo iHlawulela njani ukubuyiswa kweNgxowa-mali yeBond
Unyaka ngamnye, iimali ezininzi zihlawula imali eyinzuzo kwimali abayenzile ekuthengeni nasekuthengiseni amasheya. Le ngxaki elukhuni, kodwa wena kukho ezinye izinto ezibalulekileyo ezifunekayo ukugcina engqondweni:
- Ixabiso lentengo liphumela ekunciphiseni okulinganayo kwintengo yesabelo seengxowa-mali (oko kukuthi, i-fund enexabiso elongezelelweyo le-10 elihlawula i-20 cent cent distribution will see its share share drops to $ 9.80). Nangona ukuhla kwexabiso lentengo, ukubuyiswa ngokupheleleyo akutshintshi ngenxa yokuba ufumene umehluko kwi-capital gains distribution.
- Abatyalomali banokubuyisela imali ngemali ngokuthenga amasheya angaphezulu, okanye banokuthatha isabelo njengengeniso. Ngandlela-thile, umntu ophethe i-akhawunti kwi-akhawunti ehlawulwayo uya kubakho ukuhlawula irhafu ekusasazeni-oko kuthetha ukuba ukubuyiswa kwenani lentlawulo emva kwentela kuya kuncitshiswa ngemali yerhafu ehlawulwe.
- Iimbuyekezo ezipheleleyo ezicatshulwe kumajelo eendaba nakwiiwebhusayithi zeenkampani zengxowa zithatha ukuhlaziywa kwazo zonke izabelo kunye neenzuzo ezinkulu.
- Ngaphandle kokuba ufune imali ukuhlawula iindleko, kukhethwa ukubuyisela ukusabalalisa kuba ivumela amandla okuqhelanisa ukuba asebenze.
Ngaphantsi
Abatyalomali kufuneka banakekele ukuba bangadibanisi isivuno kunye nentlawulo epheleleyo. Kungenxa yokuba i-fund inesivuno esikwi-7% ayithethi ukuba yinto eyiyo yokubuyela kwi-investment yakho. Kunyaka owenziwe, ukuguqulwa kwintengo yesabelo sesikhwama sebhondi, ukunikezelwa kweengxowa-mali zeengxowa-mali kubanini-zimali zabo kunye neenkcukacha zeemeko zakho zerhafu kuthetha ukuba ukubuyela kwakho kwentela emva kwentlawulo kuya kwahluka.
Ngemali ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.