Amasheya Ngaba Amanqanaba obunini, iiBond ziMatyala
Iibhanki kunye neebhondi zimela iindlela ezimbini ezahlukileyo zequmrhu lokunyusa imali ukuxhasa okanye ukwandisa imisebenzi yazo. Xa inkampani ikhiphe isitokethi, ithengisa iqela layo ngokwabelana ngemali.
Xa iqumrhu likhupha ibhondi, likhupha ityala ngesivumelwano sokuhlawula inzala yokusetyenziswa kwemali.
Amasheya ayingxenye yamashishini ngamnye. Nantsi indlela esebenza ngayo: ithi inkampani iyenze isigaba sayo sokuqala kwaye siphumelele. Abanikazi banqwenela ukwandisa, kodwa abakwazi ukwenza oko kuphela ngemali abayifumanayo ngemisebenzi yabo. Ngenxa yoko, banokujika kwiimarike zemali zenkxaso-mali eyongezelelweyo. Enye indlela yokwenza oku kukwahlula inkampani ibe "kwizabelo," uze uthengise isahlulo sala maxabiso kwimarike evulekileyo kwinkqubo eyaziwa ngokuba yi-" yokuqala yomnikelo ," okanye i-IPO. Umntu othenga isitokethi, ngoko ke, ukuthenga isabelo sangempela senkampani, okwenza umnikazi wakhe ahlule - nokuba yincinci. Yingakho i-Stock ibizwa nangokuthi "ukulingana."
Iibhonksi, ngakwelinye icala, zimela ityala. Urhulumente, iqumrhu, okanye elinye iqumrhu elifuna ukunyusa imali eboleka imali kwimarike kawonkewonke kwaye emva koko ihlawule inzala kuloo mboleko kubalimi-mali.
Ibhondi nganye inexabiso elithile elithile (bathi, i-$ 1000) kwaye ihlawula isigqebhezana kubatyalomali. Ngokomzekelo, i-bond ye-$ 1000 kunye ne-4% yekhuphoni yayiza kuhlawula i-$ 20 kumtyalo-mali kabini ngonyaka (i-$ 40 ngonyaka) de ibe ikhula. Emva kokukhula, umtyalomali ubuyisela imali epheleleyo yenqununu yakhe yangaphambili ngaphandle kwexesha elincinci xa ibhondi ingapheliyo (oko kukuthi, umniki-mali akakwazi ukwenza intlawulo).
Umehluko phakathi kweeShishini kunye neBond ye-Investors
Ekubeni isabelo ngasinye sesitokethi sibhekisela kwisabelo somnini kwinkampani-oko kuthetha ukuba umnikazi wabelana ngeenzuzo kunye nokulahlekelwa kwenkampani - umntu ogcina imali kwisitokhi unokufumana inzuzo xa inkampani iqhuba kakuhle kwaye ixabiso layo landa kwithuba. Ngelo xesha, ubeka umngcipheko ukuba inkampani inokuyenza kakuhle kwaye isitokhi sinokuhla - okanye, kwimeko enzima kakhulu (ukuchithwa kwebhanki) - iyanyamalalala ngokupheleleyo.
Isitokisiso somntu ngamnye kunye nemarike yonke ye-stock market idlalwa ekupheleni komngcipheko wokutsalwa kwemali ngokwemigangatho yokungabi nantoni kunye nomngcipheko wokuthi umtyalo-mali unokulahlekelwa yimali ngexesha elifutshane . Nangona kunjalo, nabo banamathenda okubonelela ngokutsha kwexesha elide. Iingxowa ke zithandwa ngabantu abanomlinganiselo wokutsalwa kwexesha elide kunye nokunyamezela umngcipheko wexesha elifutshane.
Iibhondi zinako ukubuyiswa kwexesha elide elinamandla elinamandla, kodwa zikhethwa ngabatyalo-mali abafumana ingeniso. Kwakhona, amabhondi ayingozi kakhulu kunamasheya. Ngexa amaxabiso abo ehamba kwiimarike-ngamanye amaxesha kuninzi kakhulu kwiimeko zamacandelo eemarike eziphezulu-ininzi yezibhonkco zivame ukuhlawula ixabiso elipheleleyo le nqununu ekukhuleni, kwaye kukho umngcipheko omncinci wokulahleka kunokuba kukho iisitokisi.
Yintoni Efanelekileyo Kuwe?
Abantu abaninzi bafaka imali kwiimpahla zombini kunye nezibophelelo ukuze bahluke . Ukugqiba umxube ofanelekileyo wee-stocks kunye nezibophelelo kwipotfoliyo yakho ngumsebenzi wexesha lakho, ukunyamezela ingozi , kunye neenjongo zotyalo-mali.