Mazano ANO Shandisa
Kufanana nehupfumi hunogara huripo , MAZANO anobhadhara chikwereti kaviri pagore zvichienderana nemari yakatarwa. MAZANO akasiyana nePfuma inowanikwa mukuti kukosha kukuru kweTIPS kunogadzirisa uye zvichidzika zvichienderana nekutengesa kwenyika sezvinotariswa neVaterenge Indekisi Indaneti (CPI).
Mutengo wekudzoka kwevatengesi unogamuchira unoratidza hutungamiri hwakarongedzwa .
An Example
Nzira yakanakisisa yokunzwisisa mazano ekushanda nayo ndeyekuenzanisira muenzaniso. MAZANO anobhadhara chikwereti zvishoma nezvishoma, asi nokuda kwezvinangwa zvisiri nyore, zvinotevera zvinotarisa kuti kukosha kwesangano kunoshandiswa sei mumwedzi wega wega wegore.
Iti Treasury inoratidzira kuchengetedzwa kwezvokuchengetedza kwemafuro ne $ 1,000 zviso zvakatarisa uye 3% yepikoni. Mugore rokutanga, mutyairi anogamuchira $ 30 muviri semiannual kubhadhara. Gore iroro, CPI inowedzera ne4 muzana. Somugumisiro, chiso chacho chinokosha chinoshandura zvichikwira kusvika ku $ 1,040.
Muna Year 2, mutengi wacho anogamuchira 3% yeputikisi yepikoni asi ino nguva yakavakirwa pane zvitsva, zvakagadziriswa chiso chema $ 1,040. Mugumisiro: pane kugamuchira chikwereti chekuda mari ye $ 30, mutyairi anowana kufarira kwe $ 31.20 (.03 kanopfuura $ 1,040). Muna Year 3, kutengesa kwenyika kunowira kusvika 2 muzana. Kubwinya kwechiso kunokwira kubva pa $ 1,040 kusvika ku $ 1060.80, uye mubhadhari anowana chido che $ 31.82.
Izvi zvinoramba zvichienderera mberi kusvikira hutano huchikura. Nenzira iyi, MAZANO 'mubhadharo unoumbwa nezvikamu zviviri, kuwedzera kwaPCI uye "chibereko chaicho," kana mune mamwe mazwi, chibereko chiri pamusoro pekuwedzera .
Kamwe zvisungo zvakura, vatengi vanogamuchira kana yakagadziriswa, mukuru wepamusoro kana mari yavo yepakutanga, chero yakakura.
Somugumisiro, vatengesi havagoni kuwana zvishoma kudarika kubwinya kwechiso chebhandi kunyange mune zvisingashamisi nyaya yekuzvidzivirira (kuwa kwematengo).
Mutengo Wetsvina Dambudziko
Kuisa mari muZVANGANO kunogona kuita sekumanikidzira pakutanga pakutanga, asi nyaya nhatu dziripo iyo vatengi vanofanira kufungisisa:
1) Munguva yehupenyu hweZVO mazano, hurukuro yayo inopera munguva dzekuperesa , kana kuwira CPI.
2) Kuwedzerwa kwepamusoro kwechiso chekubatana kwezvisungo zvinokonzera mitero gore negore, izvo zvisingadyi chete muzvinhu zvekuchengetedzwa kwenyika asi zvinowedzerawo mamwe mabasa emitero. Nokuda kwechikonzero ichocho, humwe hutano hweBIPS hunoita kuti huve nechinangwa kune iyo isina kubhadhara kero.
3) Kunyange zvazvo MAZANO asina kutakura chikwereti chekubhadhara chikwereti , kana kuti pangozi yekusasikirwa neavo vanotora, mune izvi, hurumende yeUnited States, mutengo wavo unoshanduka uye zvichidzika pakati pekubuda kwezuva uye zuva rekukura .
MAZANO anonyanya kufunga nezvekuchinja kune mahara ekuda mari. Somugumisiro, iwe unogona kurasikirwa nemari kana iwe uchitengesa MAZANO usati wakura. Muchiitiko ichi, kurasikirwa kwevakuru kunogona kupfuudza zvakanyanya kubatsirwa kwekuchengetedzwa kwenyika. Kana iwe uchida kubata chibvumirano kusvikira mukukura, zvisinei, iyo haisi nyaya.
Kuchinja kukuru kunonyanya kuve nyaya kana iwe uine chikwereti chekutengeserana kana mari yekutengeserana- ETF) inoshandisa mazano.
Muchiitiko ichi, kuwedzera kwezvikwereti zvinokonzera kukanganisa kwakanyanya kwekukosha kwerudzikinuro rwekugovana. Kusiyana nehutano hwemunhu mumwe nomumwe, mari yekutengesana haisati yakwana zuva rakakura, saka hauna chivimbo chekuti uine huwandu hwakazara wehutungamiri wako akadzoka.