Oko Okufuneka Ukwazi Ngayo Imali Yentlawulo Yengxowa-mali
Abatyalomali abafuna ingeniso bahlakaniphile ukuba bafunde izinto ezisisiseko zokuhlalutya isivuno semali. Kule nqaku sibheka phantsi kwizinto ezisemgangathweni zezivuno zomxhaso kunye kunye nokwenza ukuba kube lula ukuqonda.
Yiyiphi Intlawulo yeeNyanga ezili-12 (TTM)?
Intlawulo ye-TTM yokuThengisa ibhekisele kwipesenti yengeniso yesikhwama se-fund ibuyele kubatyalomali kwiinyanga ezili-12 ezidlulileyo.
I-TTM isigama esichaza "ukulandelela iinyanga ezilishumi elinesibini."
Kubalwa ngokuthatha umyinge olinganisiweyo weemveliso zebhanki (oko kukuthi izitokisi, iibhondi okanye ezinye iimali eziphathekayo) ezikwipotfoliyo yezimali. Ngokuthelekiswa, isivuno senkxaso-mboleko ephantsi kwesikhwama sebhanki sibalwa ngokuhlula ixabiso leedola lemali yesabelo esikhokhelwa njengeneniso kubanini-zimali ngexabiso lentengo yesabelo.
Imveliso yeTTM inikezela imbali yakutshanje yomrhumo oqhelekileyo weengxowa-mali kunye nokuhlawula inzala kubatyalomali. Umzekelo, ukuba uhlalutya i-fund kwaye ubona ukuba yi-TTM Yield yi-3.00%, yayiya kubakho imali engama-3,000 kumtyalo-mali kunye ne-100,000 yexabiso lemali-mali eliqhelekileyo kunyaka owedlule. Nangona kunjalo, kubalulekile ukuqaphela ukuba ukuThengiswa kweTTM kufuneka kuthathelwe ingqikelelo kuba kungabonakali ngeniso engenayo efunyenwe ngumtyalo-mali othile.
Kwakhona, njengokwenziwa komsebenzi odlulileyo, ingeniso ehlawulwa yinkxaso-mali yonyaka odlulileyo ayikho isiqinisekiso sokuthi iya kuvelisa inani elifanayo kwiinyanga ezili-12 ezizayo.
Yiyiphi Intlawulo yeeNtsuku ezingama-30?
Intlawulo yeeNtlawulo zeeNtsuku ezingama-30 zeSibini ibhekisela ekubaleni okusekelwe kwimihla engama-30 ephela ngomhla wokugqibela wenyanga edlulileyo. Isivuno sibonakalisa izabelo kunye nomdla owenziweyo ngexesha, emva kokuncitshiswa kweendleko zeengxowa-mali.
Isivuno sichazwa ngokuba yiSEKELO kuba iinkampani zemivuno zifuneka ukuba zibike nge-Securities and Exchange Exchange Commission.
Imali yezibophelelo , isantya se-SEC sokuvelisa isiqingatha kwisivuno-mali-mali-mali oya kufumana ngonyaka ukucinga ukuba i-bhondi nganye kwi-portfolio igcinwe ukukhula. Kodwa gcinani ekhumbule ukuba iibhanki zebhanki (i-bond bonds) zingabanjwanga ukukhula kunye neengxowa-mali zibopheleleko.
Nangona kunjalo, ukuveliswa kweSuku lweeNtsuku ezingama-30 kunika ulwazi oluncedo kubatyalomali kuba lunceda ukuqikelela umvuzo, uchazwe njengepesenti, efunekayo ngenjongo yokucwangcisa.
Ukuthengiswa kwe-TTM nge-30-Day Sew Delivery
Njengoko usenokuba uqonde ngoku ukufunda le nqaku ngoku, ukuhlula okuphambili phakathi kwe-TTM Yi-Yield ye-Mutual kunye ne- 30 ye-SEC yeSewletown Day yiyo yile ndlela yokugqibela.
Akukho mfanekiso kufuneka uthathelwe ingqalelo ngokuchanekileyo kwengxowa-mali yokuvelisa imali yengomso. Izabelo ezidlulileyo zengxowa-mali, umdla kunye nokusabalalisa imbali inokubangela ukukhanya kwinqanaba lentlawulo kunye nokulindela. Ngokomzekelo, ukuba i-TTM YiNtlawulo iphezulu kune-Yi-Sew ye-Sewle yeeSuku ezingama-30, ulwazi oludibeneyo lubonisa ukuba isivuno sesikhathi esizayo sezimali singasweleka. Le ngcaciso ingaqwalaselwa ngokunxulumene neendleko zentlalo kunye nokuqoqosho ngokubanzi.
Ngokuqhelekileyo, ukuba i-Federal Reserve iyanciphisa ixabiso lentengo, izivuno ezitokisini, iibhondi kunye neengxowa-mali ezizimeleyo ezibambe ezi ziqinisekiso ziya kuncipha.
Ngokomzekelo, ukuba i-TTM YiNtlawulo yi-3.99% kunye ne-30 ye-SEC yeSewletown Day Yi-2.99%, unokuceba isiphumo se-fund kwiinyanga ezizayo kunye nonyaka ukuba ube ngaphantsi kwe-2.99%. Makuqiniseke ukuba uqikelele ekuqikeleleni kwakho kwaye ungalindelanga ukuba amazinga ahambe phezulu kwixesha elifutshane.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.