I-Formula yokuFumana I-Interest You Will Find on Your Bonds
Oko kwenzelwe yiyo iimbophelelo eziye zazakhela-ekukhuseleni kwexabiso lokunyuka kwamanani kwiSebe le-United States leNondyebo.
Makhe sijonge kwiingxenye ezimbini ze-Series Series I i-interest rates ezinxulumene ngokubanzi.
I-Series I I-Bond Fixed Rate Component
Inxalenye yokuqala ye-intsebenzo yokubaluleka kwamanani omyinge yinqanaba elilinganisiweyo lezinga. Ipapashwa njalo ngoMeyi noNovemba kule nkota yesithandathu elandelayo kwaye ichongiwe nguNobhala we-Nondyebo, okanye ngumntu obanjwe nguNobhala. Isilinganiselo esicwangcisiweyo sisetyenziselwe ubomi bentambo . Oku kubalulekile.
Khumbula, nokuba kunjalo, ukuba izinga lokubuyisela kwi-I-bonds yakho ayikho inqanaba elincinci elincinci lexabiso. Kufuneka ube nefuthe kwixabiso lokunyuka kwamaxabiso, esiza kufumana kulo mzuzwana. Ukuba iUnited States yabhekana nokuhlukunyezwa , kuya kwenzeka ukuba ndinamabhondi angaba nokubuyela kwe-0.00%.
Kule minyaka elishumi edlulileyo, inqanaba elinqununu leCandelo loLondolozo I-bonds yokulondoloza liye lahluka ukusuka kuma-3,60% ngo-Meyi, 2000 ukuya kwe-0.10% ngoNovemba ka-2009.
I-Bond ye-Inflation rate I-Component I-bond engama-inflation rate component iyamenyezelwa ngoMeyi noNovemba, njengenxalenye yezinga elimisiweyo, kwaye ilungele ixesha elilandelayo leenyanga ezintandathu. Icandelo lokunyuka kwamaxabiso lichithwe ngenguqu kwi- Index of Price Index , okanye i- CPI , eye isetyenziselwa ukulinganisa ukunyuka kwamaxabiso e-United States.
Ukuba iUnited States ikwahlukumeza, le nqanaba lentlalo ingaba libi. Ngaphandle koko, iphakama ukuqhubeka kunye neenguqu kwixabiso lentengo ukwenzela ukuba umnini-mkhonkco alahlekelwe amandla okuthenga .
Kule minyaka elishumi edlulileyo, isantya sokunyuka kwamaxabiso e-Series I i-bonds yokulondoloza ihluke kwi-2,85% ephezulu ngoNovemba, 2005 ukuya ngaphantsi kwe--2.78% ngoMeyi, 2009.
Ixabiso lokunyuka kwamaxabiso lidibaniswe necandelo elilinganisiweyo lemilinganiselo yeChungechunge I-bond bond yokubala ukubala inani leenxalenye.
Isilinganisi esiBumbeneyo kwiBondary I Bonds
Ngokutsho kwe-United States Treasury, imfomula yangempela yokubala i-interest rate rate kwi-Series I i-bonds yokulondoloza yile:
Izinga elidibeneyo = [Ireyithi echanekileyo + (2 x Izinga lokunyuka kwamaxabiso angamaxabiso angamahlanu) + (Izinga elichanekileyo x Inani lesantya lokunyuka kwamaxabiso))
Iindaba ezilungileyo awusoze ufanele ukubala inani lokudibanisa wena. Kunoko, unokutyelela iWebhsayithi yeSebe le-United States yeSebe leNondyebo, izithuba ezithintekayo kwiirhafu, izinga lokunyuka kwamaxabiso, kunye namaxabiso ahlukeneyo ngexesha langoku, kunye namaxesha adlulileyo, kuzo zonke izibophelelo zokugcina .
Ukubonelela ngenye imeko ekuhambeni kwakho, i-Series I Iibhondi zokulondoloza ezikhutshwe phakathi komhla we-Meyi 1, 2015 no-Oktobha 31, 2015 zifumana inzala ye-0.00%. Kungenxa yokuba izinga lokunyuka kwamaxabiso li--0.80% kunye nezinga elimisiweyo li-0.00%.
Naliphi izinga elibi liveliswa, iNondyebo isebenzisa isantya sohla; into eyenzekayo ngokunyuka kwamava kwiminyaka yamuva ngenxa yemigaqo-mali ye-Federal Reserve. Ngokomzekelo, ngoNovemba ka-2009, izinga elimisiweyo libekwe kwi-0.10% kunye nexabiso lokunyuka kwamaxabiso kwi--2.78%, okubangele inqanaba lentengo yenzalo ye-zero. Kukho, ngokuqinisekileyo, akukho sizathu esihle sokhetho lokutyalomali ngaphezu kwe-FDIC izitifiketi eziqinisekisiwe zediphozithi ngethuba.
Izinto azizange zibuhlungu kakhulu ekuqaleni kwawo-2010 xa i-Series I I-bonding bond bond isethwe ngolu hlobo lulandelayo:
Izinga elihle = 0.30%
Ixabiso lokunyuka kwexabiso leminyaka elithandathu = 1.53%
Izinga elidibeneyo = [Ireyithi echanekileyo + (2 x Izinga lokunyuka kwamaxabiso angamaxabiso angamahlanu) + (Izinga elichanekileyo x Inani lesantya lokunyuka kwamaxabiso))
Izinga elihlanganisiweyo = 0.0030 + (2 x 0.0153) + (0.0030 x 0.0153)]
Izinga elihlanganisiweyo = [0.0030 + 0.0306 + 0.0000459]
Izinga elihlanganisiweyo = 0.0336459]
Izinga elihlanganisiweyo = 0.0336
Inani elihlanganisiweyo = 3.36%
Kungakhathaliseki, yinto efanelekileyo yokugcina iliso kwixesha lokumisela kwakhona kuba xa iirhafu zikhangeleka, kunzima ukubetha iChungechunge I-bond bonds ngenxa yezinto ezininzi ezintle kwiibhondi zenkampani zorhwebo okanye nakwiibhondi zamasipala ezingenanto .
Okunye malunga neChungechunge I-Savings Bond
Unokufunda isiKhokelo sethu sokuTyala imali kwiiNgxowa-mali zoLondolozo . Oku kuya kukuhamba ngeetoni zeenkcukacha malunga nokugcinwa kweekhonkco, ngokukodwa uchungechunge lwam ubophelelo olulondolozo, kubandakanywa nendlela ongayongeza ngayo kwipotfoliyo yakho, imida yokuthenga yonyaka, iimfuno zobunikazi, iintlawulo zerhafu, kunye nokunye okuninzi.