Indlela yokwenza imali ngokuTyala imali kwiiBond
# 1: Ukuqokelela iNgeniso yeNzuzo
Xa uthenge isibophelelo, ukhangela imali kumniki-mpahla. Ngamanye amaxesha, umkhupheli wokubambisa i-corporation ( iibhondi zenkampani ), ngamanye amaxesha urhulumente okanye umasipala (izibophelelo zombuso okanye kamasipala).
Inzala yomrhumo, okanye izinga lekhutshulwa, lichongiwe lizinga eliqhelekileyo lemilinganiselo yenzalo ngelo xesha, ukukhula kobhondi, kunye nokulinganiswa kwekhredithi yomnikezeli. Ukuba uthengisa ibhondi ye-$ 1,000,000 kwi-Coca-Cola xa ikhankanywe, kwaye inani lekhuphoni li-7%, kufuneka uqokelele i-$ 70,000 ngonyaka ngenzuzo yengeniso . Ukuba ukukhula kukuyiminyaka engama-30 kwixesha elizayo, uya kufumana imali oyi-$ 1,000,000 yokutshala imali emva kweminyaka engama-30 ukususela ngomhla wokugqitywa kwebhanki. Le nto ingaba yinto eninzi kuwe, kuba ufumana imali yokuhlala kwaye uhlawule iibhilikhwe zakho, kunye ne-Coke eninzi, kuba bangasebenzisa imali yokwakha izakhiwo ezintsha, ukwandisa umgca wabo wemveliso, bathenge amabhodlela okanye bahlangabezane nezinye iimfuno.
# 2: Ukuvelisa iiNtengo zeNtengo
Ubhonkco obuninzi abugcinwanga de ukukhula. Abatyalomali bafuna imali ngaphambi kokuba iimbopheleleko zabo zikhule ukuze bathengise nge- broker . Xa kwenzeka loo nto, unokufumana inzuzo enkulu okanye amava okulahlekelwa yintlawulo ngokuxhomekeka kwinto eyenziwe kumgangatho wekhredithi yomniki-mvume (umz., Ukuba inkampani ekuthengisile yakho ibhondi isuke ikhulile ngokumangalisayo kwimpembelelo ukufakela i-bankruptcy, uza kufumana i-pennies kwi-dollar kuba abanye abatyali-zimali abayi kukulungele ukuthatha ithuba ngaphandle kokuba bahlawulelwa izinga eliphezulu lokubuyela ).
Ngokufanayo, ukuba inzala yenzalo iyenyuka, ibhondi yakho iya kulahlekelwa yintengo kuba abatyali-mali baya kufuna ukuba banike umvuzo ophezulu ngaphezu kwexabiso lekhuphoni. Oko kukuthi, ukuba uthengisa i-Coke bond yakho evumela u-7% kunye nezibophelelo ezinokuzithelekiswa ngokukhawuleza zithengisa i-10%, uza kuhlawulela intlawulo yakho kuze kube yilapho ibhondi yakho ivumela u-10%, kwakhona.
Ngaphandle koko, kutheni umntu uthenge xa beza kuthengisa isibophelelo esandul 'ukukhutshwa kwesivuno esiphezulu? Ngakolunye uhlangothi, ukuba ixabiso lesibhanki liwile, ungathengisa ibhondi yakho ngentengo ephezulu, ufumana inzuzo eyinzuzo. Ukuqonda ubudlelwane phakathi kokwenza imali kwizibophelelo kunye namazinga omdla, funda malunga nombono obizwa ngokuba ngumda wobudlelwane .
Okunye malunga nokuTyala imali kwiiBond
Ukuba unomdla wokongeza iziqinisekiso zokufumana imali ebomini bakho, nantsi enye inkcazelo ekukunceda ukuba uqonde ukuma komhlaba.
- Yintoni Ibhondi? Fumana inkcazelo ebalulekileyo yesikhonkco, ukujonga ngokuthe ngqo apho iinjongo ezithile (njengekhonkco ) zivela kwaye zifumene uludwe lweentlobo ezahlukeneyo ezinxulumene nazo.
- Utyalo-mali kwiimali-mboleko 101 Uhlobo lwe-hub elandelwayo ehamba nawe eninzi kumanqaku endibhalileyo enxulumene neebhondi kunye nokutyalomali-mali, le ndlela yindlela yokufunda ukuba ufuna i-overview njengokuba sasihleli ngaphaya komnye, kofu. Ikhonkco ngalinye liya kukuthatha kwinqaku echanekileyo kwinqaku enxulumene nesondlo.
- Ngangakanani i-Portfolio yam kufuneka Ndiyibeke kwiiBond? Ukufumana ulwabiwo-mali lweebhanki ngokuchanekileyo kuyinto enkulu. Cinga ngenyameko.
- Ukutshala imali kwiibhanki zenkampani Ukufumanisa oko kwenza ukuba izibophelelo zenkampani zihluke kwezinye iibhondi nokuba kutheni zifanelekileyo iintlobo ezithile zabatyalomali.
- Ukutshala imali kwiiNkxaso zeMali zikaMaspala Enye yezona zityalo-mali ezithandwa kakhulu eUnited States, isibophelelo sikamasipala esikhethiweyo esingenaspala singabonelela ngemali engenayo engenakho kwiRhafu yaseburhulumenteni, karhulumente kunye neentlawulo zengingqi. Makhe ndikufundise iintlobo ezimbini ezahlukeneyo zeebhanki zikamasipala kunye nendlela yokubala isivuno esifanayo esifanelekileyo ukuthelekisa izibophelelo zikamasipala ukuvelisa ezinye izibopho ezingenanto zerhafu.
- Ukutshala imali kwiiNgxowa-mali zokulondoloza Le nto ikhonkco eliphambili elidibanisa neetoni zamanqaku kumabhondi e-United States okugcina imali, kubandakanywa nakwii-sub-hubs kwii- EE zoLondolozo lweeNgxowa-mali kunye ne- Series I.
- Ubungozi bokuTyala imali kwiiNkxaso zeJunk Kungabonakala ngathi izikhonkco ze-junk bonds yindlela efanelekileyo yokwenza imali kutyalo-mali kodwa uya kuphutha. Nangona zivuno zabo zikhohlisa, ziphantse ziphele ekuhluphekeni kwabo batyala ngabanye abangayazi into abayenzayo. Endaweni yoko, funda " Indlela i-Investment Bond Bonds enokukunceda ngayo ukuPhepha ukulahleka kweNtlawulo " kwaye ukuba unesivakalelo ngokukhethekileyo, jonga kwiibhondi ezilinganisiweyo ezi-Triple .
- Ubungozi bokuTyala imali kwiiBhanki zangaphandle Ukuba awukwazi into oyenzayo, okanye awusebenzi kunye nenkampani yokuphathwa kweempahla ezihloniphekileyo esebenzayo ekunyamezelweni kwakho kwimiqobo, sebenzisa! Ezi azinjalo phakathi kwezinto ezininzi ezibangelwa ingozi, ukusuka kumngcipheko wezopolitiko kumngcipheko wemali.
- Indlela i-Bond Spreads inokusinceda ngayo imali eninzi Yenza ingqwalasela ngokukhawuleza ekubanjweni kweentambo xa uthengisa okanye uthengisa nayiphi na uhlobo lwekhonkco engathengiswa. Izikhefu phakathi kwexabiso lokubiza kunye nexabiso lokubuza linokubaluleka.