A Primer Pamusoro Pemari Yezvokuchengetedzwa Kwemari-Kudzivirirwa Kuchengetedzwa (MAZANO)

Unofanira Kutenga MAPA? Heino izvo Zvaunoda Kuziva

Kana uri kutsvaga chimwe chezvinhu zvakanakisisa zvekubhadhara mari yekutenga nokuda kwekukwira kwezvibereko zvekudhura uye kutengesa , ikozvino nguva yakanaka kudzidza zvakawanda pamusoro peHupfumi hweMari-Kudzivirirwa Kuchengetedzwa (TIPS) . MAZANO anogona kutengwa kubva kuUnited States Treasury kana pamusika wechipiri (kuburikidza nemakambani ekudhinda uye mabhangi).

Unogonawo kutenga mutengo wemari uri neTIPS . Asi usati waenda kunze uye utenge mazano MAZANO, tora maminetsi mashomanana kuti udzidze zvakawanda nezveZVO.

Chii Chinowanikwa Pfuma Pfuma-Zvidziviriro Zvidzivirirwa?

Imari yeAmerica yeUnited States yakatanga kubudisa mari yeApril Inflation-Protected Securities muna 1997. MAZANO akasiyana zvakasiyana nesangano reUnited Treasury Bond.

Zviratidzo zveZVO ndezvekuti:

• Inowanikwa nehutano hwemakore mashanu, gumi nemakumi maviri nemakumi maviri
• Nheyo yehutano inowedzera / inopera nehuwandu hweVatengi Vekuda Indekisi (CPI)
• Kuda kwekutora kune yakagadzirirwa zviyero zvinoshandiswa kune inowedzera / inopera mukuru
• Mazano ekugadzirisa uye mari yekubhadhara inowanikwa kaviri pagore
• Mukuru mukuru akachinjwa kana mukuru wepakutanga, chero ipi zvayo mukuru, inobhadharwa kumutengesi paanenge akura (kana akatengwa pamutengo wekutanga kune zvaakapiwa / zvaakatengeswa)

Muenzaniso weKuchengetedzwa Kwepfuma-Kudzivirirwa Kuchengeteka

Mutengo Wezvokuvigira Mutengo-Zvidziviriro Zvidziviriro zvakasiyana chaizvo nezvisungo zvechigarire . Chimwe chikwereti chinotarisirwa chikwata chebhondi chinoita kuti chikwata chekubhadhara chikwereti pamutengo (muenzaniso: 5% kubhadhara mutengo wegore kune $ 1 000) uye chikamu chemari inodzorerwa pakukura kwechisungo.

Kwete zvakadaro nemazano.

Ndatsanangura muenzaniso weTIPS utsvaga kubva pakutanga kusvika pakupedzisira. Nokuda kwekunzwisisa, muenzaniso unoratidza bhadha inotengwa kuUnited Treasury auction, pamutengo wepakati uye nekuwedzera kuwedzera Consumer Price Index.

• Mumwe mutengi anouya ku www.treasurydirect.gov uye anotenga $ 5 000 $ Imari yeZvivigiro-Inodzivirirwa Kuchengetedzwa panzvimbo yekutengeswa ine chikwata che100%.

• Mutengo Wekutengesa Mutengo kwekutanga ndiyo 3% (inenge yegore yegore ye 1.5%)
• Somugumisiro weCPI, kukosha kwehutano kunowedzerwa ne 1.5% kusvika $ 10,150.
• Kubhadharwa kwekambani ye $ 50.75 (50% yehuwandu hwe100% yakagadziriswa yakawedzerwa nemukuru mukuru we $ 10,150) inoitwa kumudzimai.
• Pakupera kwegore rekarani imwe, mutengesi anokweretwa pamabhadharo ekubhadhara uye kuchinjwa kune mukuru. Iyi mitero inoenderera mberi muupenyu hwose hwehutano.
• Mutevedzeri uyu anoramba achiwana chikwata chechikwata chakawedzerwa nemukuru mukuru akagadziriswa kwegore rimwe chete (mune iyi nyaya mukuru mukuru akawedzerwa ne 1.5% mumwedzi mitanhatu).
• Pakukura, makore mashanu kubva pazuva rekutsvaga, mutengesi anogamuchira mukuru mukuru we $ 11,605.41 uye kubhadhara kwekupedzisira kwepayipi ye $ 174.08 (1.5% pa $ 11,605,41).

Mutero weNhepfenyuro yePfuma-Zvidziviriro Zvidzivirirwa

Muenzaniso unotaura kuti mutyairi anokweretwa kune zvose zvegore negore uye muwandu wemukuru mukuru (kureva, kuwedzera kwemari yakakonzerwa neCPI). Mutero wekugadziridza unonzi "mari yakawanda." Vashandi vakawanda vanosarudza kusarudza kubata mazano ekubhadhara mari yemutero (kureva, IRA) kuti arege kutengesa.

MAZANO varairi vachawana Fomu 1099-OID yemari yepantom uye Fomu 1099-INT nokuda kwekubhadhara chikwereti (kana mazano anowanikwa munyaya yekodha).

Mariki yePfuma-Inodzivirirwa Chekuchengetedzwa Mutual Funds

Vashandi vanogona kutenga mari pamwe chete iyo ine maTIPS uye inonakidzwa nezvinobatsira zvekubhadhara mari . Vanguard, uye Fidelity, nemamwe makambani anopa TIPS mutual funds.

Nokuda kwekutarisa zvakadzama mazano, ona nhaurirano naJohn Hollyer , aimbova mutariri wepodfolio weVanguard Inflation-Protected Securities Fund.