Isikhokelo sokuqala kweBond Investors: Ikhuphoni kunye nokuvelisa ukukhula
Ngamafutshane, "isigqebhezana" sikuxelela oko kuqhutywe khona umrhumo xa kukhutshwa.
Isivuno-okanye "ukuvelisa ukukhula" - kukuxelela ukuba uza kuhlawulwa kangakanani kwixesha elizayo. Nantsi indlela esebenza ngayo.
Ikhuphoni kunye nokuzaliswa koKhula
Ibhondi ineenkalo ezahlukeneyo xa zikhutshwa kuqala, kubandakanywa nobukhulu bomcimbi, usuku lokuvuthwa , kunye nekhuphoni yokuqala. Ngokomzekelo, iNondyebo yase-United States inokukhupha isibophelelo seminyaka engama-30 ngo-2017 efunekayo ngo-2047 "ngekhuphoni" yeepesenti ezi-2. Oku kuthetha ukuba umtyalo-mali othenga ubhonkco kwaye lowo uhlala naye kude kube yinto enokubaluleka ubuso angalindela ukufumana iipesenti ezi-2 ngonyaka ngenxa yobomi bentambo, okanye i-$ 20 kuyo yonke i-$ 1000.
Kodwa ke ubophelelo olusebenzayo kwiimakethe emva kokuba lukhutshwe. Oku kuthetha ukuba ixabiso langempela liza kuguquka ngexesha lemihla yoshishino ngalinye kulo lonke ixesha lokuphila kweminyaka engama-30. Ngoko ngoku kufuneka ukhawuleze uhambe iminyaka engama-10 phantsi kwendlela. Masithi amanani enzala anyuke ngowe-2027 kunye nezibophelelo ezintsha zentengo zikhutshwa ngezivuno ze-4 ekhulwini.
Ukuba umtyalomali angakhetha phakathi kwe-bond evumela iipesenti ezi-4 kunye ne-2-percent bond, uza kuthatha i-bond-4 yepesenti nganye. Ngenxa yoko, imithetho esemiselweyo yokubonelela kunye nokufunwa kubangela ukuba intengo yebhondi kunye nekhuphoni ye-2 yeepesenti iphakanyiswe kwinqanaba apho iya kubetha abathengi.
Ngoko ke, ngokwemigca elula, ikhuphoni yimalini yemali enqwenelekayo ibhondi iya kuzuza ngonyaka.
Ukuzibophelela ekuvuthweni kulindeleke ukuba kubuyiselwe ukuba ubophelelo luqhutywe kude kube lukhula.
Yenza iMathe
Nanku apho izibalo ziza kudlala. Amaxabiso kunye nezivuno zihamba kwindlela echaseneyo . Ukuhamba kwisivuno sesibhambathiso ukusuka kwipesenti ezi-2 ukuya kuma-4 ekhulwini kuthetha ukuba ixabiso layo kufuneka liwe . Gcina ukhumbule ukuba isigqebhezana isoloko i-2 ekhulwini-engatshintshiyo. Isibophelelo siya kuhlala sihlawula i-$ 20 ngonyaka. Kodwa ixabiso layo limele linciphise ukuya kuma-$ 500- $ 20 ahlukaniswe ngama-$ 500 okanye iipesenti ezi-4-ukuba ivelise iipesenti ezi-4.
Ngoko umntu ufumana njani i-pesenti ye-5 kwi-bond kunye ne-2% yekhuphoni nakwiimeko? Elula: Ukongeza kokuhlawula i-$ 20 ngamnye ngonyaka, umtyalomali uya kuzuza ngokusuka kwixabiso lentengo evela kwi-$ 500 ukuya kwi-$ 1000 yakhe yasekuqaleni xa ekhula. Yongeza inkokhelo yonyaka kunye neyonyuka ye-$ 500 eyongezelelekileyo isasazeka ngaphezu kweminyaka engama-20 kunye nomphumo odibanisiweyo ngumvuno we-5 ekhulwini.
Esi sivuno saziwa njengesivuno sokuvuthwa , okuyimpumelelo ekuqikelelweni kwembuyekezo yokubuya phezu kwesibophelelo ngexesha lokuphila kwalo. Ngaloo ndlela, ukuvelisa ukukhula kunokuba yinxalenye ebalulekileyo yokulinganiswa kwebhondi. Isilinganiso esisaphulelo esisodwa sisebenza kuzo zonke iintlawulo zenzala.
Isebenza ngenye indlela, nayo. Kuthetha ukuba amaxabiso atshabayo avela kwipesenti ezi-2 ukuya kuma-1.5 ekhulwini ngaphezu kweminyaka eyi-10 yokuqala yobomi bentambo.
Intengo yebhondi yayiya kufuneka iphakanyiswe kwinqanaba apho ukuhlawulwa kwe-20 yonyaka kwenzelwa utyalomali isivuno se-1.5 ekhulwini.
Kule meko, loo nto yayiza kuba yi-$ 1,333.33 yezigidi kuba i-$ 20 eyahlula i-$ 1,333.33 ilingana nama-1.5 ekhulwini. Kwakhona, i-coupon ye-2 yeepesenti iya kwi-1.5% yeepropati ekuvuneni ngenxa yokunciphisa intengo yebhondi ukusuka kwi-1333.33 ukuya kwi-$ 1,000 kwiminyaka yokugqibela engu-20 yobomi bentambo.
Izinto Ezinye Okumele Uzigcine Ngengqondo Xa Ubala Ukukhupha Ukukhula
Ukuzibophelela ekuvuthweni kuya kulingana nomlinganiselo wekhuphoni ukuba umtyalo-mali uthenge i-stock yenkampani ngexabiso lexabiso .
Ngokuchaseneyo, ukuvelisa ukukhula kuya kuba phezulu kunezinga lekhuphoni xa i-bond isithengiswa kwisaphulelo.
Iibhondi eziphezulu
Izibophelelo eziphezulu zivelise ukukhula ngokuhambelana nezinye iibhonkce etafile, kodwa ixabiso lawo liphezulu kakhulu.
Ingumvuno wokukhula kwaye akuyikho iqhosha elibala xa ubheka isibophelelo somntu ngamnye kuba ibonisa oko uza kuhlawulwa ngokwenene.