Ndezvipi Mari dzeMabhangi eMasisita uye Vanowanikwa Sei?
Tsvaga kuti masisheni emabhangi anoshandisa sei uye sei uye nei iwe uchigona kubatsirwa nekuisa mari mumitambo iyi yekubatana mari.
Chii Chibhadharo reMasisita Bond?
Zvikwereti zvikwereti zvinokonzerwa nemasangano, zvakadai semakambani kana hurumende. Izvo zvinonzi "munis," masisita emasisita mabhandi anobudiswa nemasimba ehurumende kana masangano avo.
Mienzaniso inosanganisira maguta, zvinyorwa, uye zvinoshandiswa nevanhu vose. Mari yechikwereti inoshandiswa kuwedzera mari yekubhadhara chivakwa chezvikoro, mapaki, migwagwa, nemamwe mapurojekiti ekushandiswa kwevanhu. Municipal bond funds ndezvemari inoshandiswa inowanikwa mumasuo ehurumende.
Mahofisi eBond Bond Fund Akabatwa Sei?
Municipal bond funds inopa vatengesi nefari iyo inoregererwa kubva kumatare emitero yehurumende. Iyi mari inogona kunge isingabhadharwi nemitero yehurumende uye yomunharaunda kune vatyairi vanogara mumamiriro ekutsigira kana nzvimbo. Sangano reNew York City, somuenzaniso, raizova mitatu isina mutero-risina, rinoreva kuti rinogona kusunungurwa kubva kune hurumende, hurumende, uye mitero yemunharaunda kana mubhadhari achigara uye achibhadhara mitero muNew York City. Nokuda kwechikonzero ichocho, mahofisi ehurumende yemari inowanzotumidzwa se "mutero usingabhadharwi" kana kuti "kuteresa mari".
Ndiani Anofanira Kuzviisa MuMari Bond Fund uye Nei?
Vashandi vanofanirwa kushandisa masisheni ehurumende mari ndeyevo vanoda kuwana zviyo zvinowanzokwirira kupfuura zvemari yemari yemari uye avo vanogona kunge vari mumatokari emitero yakakwirira.
Zvibereko pamasisita omunharaunda zvinowanzopfupika pakuenzanisa nezvimwe zvibvumirano, zvakadai sezvo zvakabudiswa nekambani. Zvisinei, mutero wekubhadhara kwemasunisheni emasisita unogona kuita zvezvibereko zvishoma.
Asi iwe unoziva sei kana municipal bond bond yakakunakira iwe? Mhinduro yacho iri mune izvo zvinonzi "mutero unobhadharwa."
Semuenzaniso, kubhadhara mutero, sekubatanidza kwekambani, iyo inokwereta 5.00 muzana inogona kunge isina kukwezva kune mutengi anotenga musero wekusunungura mutero musunhare hunopa 4.00 muzana. Kuti aone kuti chibatiso chakanaka chiri nani, mutyairi anogona kuverenga mutero wakaenzana nemutero. Mutero unobhadhara mutero ndeyekutanga kutengesa mutero kuti bhishopi inobhadhara inofanira kubhadhara kuitira kuti ienzane nemutero usingabhadharwi mushumo wekushambadzira. Iko kuverenga ndeyokusarirwa kwemutero musasunungukiti yemugozha wehutano kuburitswa nemumwe, kuderedza mutero wevateresi. Heanoi kuverenga kwemuwemari mumapato makumi matatu emadhora emadhorobha, tichifunga nezvehutano hwemasimende huripo 4.00 muzana:
Mutero-Wakaenzana Kubereka = .04 / (1 - .35) = 6.15 muzana
Iyi kuverenga inoratidza kuti mitero yemari inoponeswa kuburikidza nekushandisa musero wekusunungura musungwa bhisho inofanana ne (yakangofanana) nehutano hunotambirwa huri kuwana 6.15 muzana. Nokudaro mubhadharo wezvisungo wakachenjera kushandisa svondo rehurumende kana hurumende yehutano panzvimbo yekodzero yehurumende yehurumende.
Onawo:
Ndeapi Kusiyana Kwepakati Bonds uye Bond Mutual Funds?
Nzira yeBond Mutual Funds Inoshanda sei
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kunaka sekutsvaga mazano. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.