Nantsi indlela i-bonds ekhuselekileyo yokunyuka kwemali isebenza.
Izibophelelo ezikhuselweyo ngexabiso lempahla, ezibizwa ngokuba yi-TIPS (ezimelele kwiMali-mali eVikelekileyo kwiMali-mveliso) zikhutshwa nguRhulumente wase-US. Ukuhlawula oku kuluhlu lokunyuka kwamaxabiso kunye nokunyuka kwamaxabiso. Oko kuthetha ukuba unako ukufumana ingeniso engaphezulu ngexesha lokunyuka kwamaxabiso. Nantsi indlela asebenza ngayo.
I-TIP ikukhusela njani kwi-Inflation?
Inzala ehlawulwe kwi-TIP isekelwe kwisantya esandisiwe yindleko eyintloko yebhondi.
Ixabiso eliyinqununu loqhagamshelwano olukhuselweyo lwexabiso lokunyuka kwamaxabiso luhlonyelwe phezulu okanye lusezantsi ngokusekelwe kutshintsho kwiNkcazelo yeeNtengo zabathengi, okuyimilinganiselo esemthethweni yokunyuka kwamaxabiso eMelika.
Ibhondi ekhuselweyo yemali ehlawula umyinge ihlawule umyinge ongenamanani kabini ngonyaka. Ukuba inqununu iyahlengahlengiswa ngenxa yokunyuka kwamaxabiso, isantya somyinge osisigxina iya kusetyenziswa kwisixa-mali esitsha esinqununu, kwaye ke inani elingaphaya lemali liza kubhatalwa. Oku kuthetha ukuba unayo ibhondi ekhuselweyo yokunyuka kwamaxabiso, kwaye kukho ukunyuka kwamaxabiso, uza kubona ukwanda kwenzalo enomvuzo oyifumana kwi-bond.
Usebenza njani kwiNgxowa-mali yeBond ye-Inflation?
Iimali ezikhuselweyo zemali ezikhuselweyo zimali zithenga kwaye zithengisa i-TIPS kuwe, ziqokelele umdla kwaye zihlawule kuwe. Umphathi weengxowa-mali unquma ukuba yeyiphi iimbophe zokuthenga okanye ukuthengisa. IiNgxowa zenza enye indlela efanelekileyo yokuthenga izibophelelo zodwa.
Inzala ehlawulwayo kulezi zibophelelo inzuzo engenayo irhafu kuwe.
Ngenxa yesi sizathu, uninzi lwabantu luya kufuna ukufumana olu hlobo lotyalo-mali kwi-akhawunti yomhlala phantsi apho yonke inzala iqokelela ukuhlawulwa kwentlawulo.
Ukuba ufuna ukufumana izibophelelo ezikhuselekileyo zokunyuka kwamaxabiso kunye nokugcinwa kwakho rhoqo, khangela i-I-Bonds enye yerhafu efanelekileyo.
Ndingayithenga phi iibhanki ezikhuselekileyo zexabiso okanye iifowuni?
Unokuthenga izibophelelo ezikhuselweyo zentengo ngokuthe ngqo kwi-Treasury yase-US ngokuvula i-akhawunti yakho kwi-Treasury Direct.
Ndazama uNondyebo ngokukhawuleza kwaye ndafumana inkqubo ilukhuni kwaye ingenakuyisebenzisa. Ungathengela ii-TIPS ngokusebenzisa abaninzi abathengi, nangona imali eyongezelelweyo ingahlawulwa yinkampani yomrhwebi okanye umthengisi. Intlawulo ingaba yinto efanelekileyo yokufumana i-akhawunti efikeleleka kalula.
Ngokweemali, uya kuzithenga ezo malunga naluphi na umthengisi okanye i-akhawunti ye-intanethi. Khangela i- US News kunye neNgcaciso ye-World Report ye- inflation ye-bond bond ukufumana ingcamango yeentlobo zemali ezikhoyo apho.
Ngaba Ufuna iimali ezikhuselekileyo ze-Inflation?
Uphando malunga neepateni zokuchitha imali ezithatha umhlala-phantsi lubonisa ukuba emva kokuthatha umhlalaphantsi, imali yakho ayiyi kukhula ngokukhawuleza ngezinga lokunyuka kwamaxabiso. Abathathe umhlala-phantsi bahlala bechitha ngaphezulu kwiminyaka yabo yokuthatha umhlalaphantsi, kodwa ke ukuchitha imali kulukhupha ukuguga xa uhamba kwaye uphuma ngaphantsi. Oku kuthetha ukuchasene noko abaninzi bakholelwayo, akunakuze ufune ukukhathazeka malunga nokunyuka kwamaxabiso kumhlalaphantsi njengoko bekucingwa ngaphambili.
Ngo-2008/2009 xa iFed iqalile umgaqo-mali wemali, kwakukho inkxalabo enkulu yokuba umphumo wawuza kuba yizinga eliphezulu kakhulu lokunyuka kwamaxabiso emveliso, kodwa ukunyuka kwamaxabiso emvelo akuzange kwenzeke. Njengokuba kunjalo, izinga lokunyuka kwamaxabiso liye lahlala likhulu.
Enye yemithombo engcono ye-inflation-protection protected by Social Security, njengoko iinzuzo zihlengahlengiswa ngokusekelwe kwiinguqu kwixabiso lomthengi.
Ulwabiwo olufanelekileyo kwii-equity linokuthi lenze ulungelelaniso olulungileyo lokunyuka kwamaxabiso. Igolide ngokwenene ayikho into eninzi yokwenza intengo yamanani entengo, kwaye ayivelisi imali engenayo okanye igalelo, ngoko ke ndakhetha abantu ukuba banikele kwiisitokhi zokudibanisa ukunyuka kwamaxabiso kunokunikezela kwigolide.
Esinye isixhobo onalo malunga nokunyuka kwamaxabiso kukulawula iindleko ekufuneka "zimele" kwaye "njenge-haves". Ukuba izinga lokunyuka kwamaxabiso liya phezulu, ungaqala ukuyeka ezinye "ezinjenge-haves". Ekugqibeleni le ndlela ingasebenza kangcono kuwe kunokuba ubeke iiphothifoliyo ezininzi kwiindawo zokumboza into engapheli ukuba yingxaki.