Njodzi uye mibayiro yezvisungo zvinogona kudzikinurwa kare
Kune wakwereta, pane zvimwe zvakanakira kubhadhara chikwereti kare. Asi kune murume uyo ane chikwereti mari, kubhadharwa kwepakutanga hakusi kwakanyanya.
Munyika yezvisungo, kuenzanisa kwakafanana.
Kubhadhara kwekutanga kunobatsira mubhadhadzi wezvisungo (uyo anenge akwereta), asi hausi mukuru kudai mutengesi wechibharo (muiti wemari).
Kunzwa Kudanwa
Paunotenga chibvumirano chaunovhara mari yako uchichinjana nehuwandu hwekudzoka. Kana, semuenzaniso, iwe unotenga zvakanaka, wakachengeteka, wemakore gumi nemashanu, Aaa-rated bond bond iyo inopa 4%, zvino unotarisira kuunganidza 4% kwemakore gumi anotevera.
Kazhinji yenguva, sangano rakatengesa bhadha rakabvumirana kukubhadhara iwe iro 4% yemakore 15 anotevera. Asi dzimwe nguva mutengesi wekutengesa anochengetedza kodzero yekuchinja pfungwa dzake uye "kudana" kusungurudza kutanga - kubhadhara mutungamiri uye kugumisa chikwereti isati yakura.
Kusungwa kwakadaro kunotumidzwa se "kunonoka." Vanowanzojairika mumusika wekambani uye zvakajairika mune musim-bond market.
Ngozi dzeCharlable Bond
Pakutanga, kutenga chibvumirano chekugadzirisa hakuratiki chero riskier kupfuura kutenga chero humwe hutano. Asi kune zvikonzero zvekuchenjerera.
- Chokutanga , kusungirwa kwechibvumirano kunotsanangurira muridzi weku " revestment risk ".
Vanoshambadziri vanowanzoda kushevedzera zvisungo apo inhamba yezvibereko inowira. Izvozvo zvinogona kuva njodzi kune mumwe munhu aifarira kuti ainge akavhara muhuwandu hwekuda uye nehutano hwekuchengeteka.
Ngatitarise zvakare pane zvakanaka, zvakachengeteka Aaa-rated bond bond iyo inopa 4% pagore. Fungidzira kuti Federal Reserve Bank inotanga kuderedza chikwereti. Nenguva isipi, kuyerwa kwemakore gumi nemashanu, Aaa-rated bond inowira 2%. Izvo zvinotora musungo wako zvinotarisa pamusika uye zvinosarudza kuti zviri muzvakanaka zvakanyanya kubhadhara zvisungo zvekare zvakare nekukwereta zvakare pa2%.
Iwe iwe murimi wekutsvaga achadzoka zvakare mukuru wepakutanga wezvisungo - $ 1 000. Asi iwe hauzokwanisi kudzorera zvakare mukuru uyo uye unofanidza kudzoka kwawakawana. Iye zvino iwe unofanirwa kutenga bhizinesi yakaderera kuti uwane 4% kudzoka kana kutenga imwe Aaa-rated bond uye kubvuma 2% kudzoka.
- Chechipiri , mushambadzi wevasungwa vari muhurumende vanoziva kuti imwe yezvikanganiso zvakanyanya zvinowanikwa nevashambadzi vekutsvaga ndezvekuti vatenge chibvumirano chechikoro chechipiri, kana kupfuura-market-counter, sezvo mitengo ichiwa uye se "zuva rekudana" - zuva iyo inopa kodzero yekodzero yekudzorera zvakare chisungo - inosvika.
Mune mamiriro ezvinhu, mutengi anogona kukwanisa kudarika $ 1 000, kubhadhara komisheni, uye pakarepo anowana chisungo chinonzi. Iye acharamba achidzorera $ 1 000, asi iye achange abhadhara mutemo pasina.
Unofanira kutenga chibvumirano chakanaka here?
Kutenga kupi zvako kwekutsvaga kunoda kuti iwe uone kukosha kwekudzoka kunopera ngozi.
Uye chokwadi ndechekuti kune vashandi vekupinda mumasangano, zvibvumirano zvisinganzwisisiki zvingave zvakaoma zvikuru kuti zviongorore. Semuenzaniso, mutengo wemabatanidzwa ekugadziriswa mumusika wechipiri unofamba zvakasiyana siyana kubva pamatengo emamwe zvisungo. Kana zvikwereti zvinowira, huwandu hwehutano hunosimuka. Asi mutengo wekutengesa hutengo unowira apo mitengo inowira - chimwe chinhu chinonzi "kukonzerwa kwemitengo."
Asi pasinei nezvimwe zvakadaro, zvibvumirano zvinokonzera zvinopa zvimwe zvinonakidza kune vashandi vane ruzivo .
Kana uri kutarisa kubatana kwakanaka, iwe unoda kutarisa zvinhu zviviri zvinokosha.
- Iwe unotarisira kuti zviitike kune chibereko chekuda pakati pezvino uye zuva rekudana? Kana iwe uchifunga kuti mitero ichasimuka kana kuti igare yakasimba, haufaniri kunetseka pamusoro pehukama hunodanwa.
- Asi kana iwe uchifunga kuti mari inogona kuwira, iwe unoda kubhadharwa nekuda kwehuwandu hwehutano muhutano hwekudzivirira. Saka zvitengesa.
Nhamba dzechigodha dzinobhadhara chikwata chechikwereti chepamusoro chekubhadhara dambudziko rinowedzera. Zvimwe zvibvumirano zvinokonzerawo zvinenge zvichange zvichidzoka kuwedzerwa kwepamusoro apo iyo yakadanwa, kureva, muteresi anogona kudzorera $ 1,050 panzvimbo ye $ 1 000 kana hutano hwadanwa.
Saka iva nechokwadi chokuti chisungo chaunotenga chinopa mubairo wakakwana kuti uvhare zvimwe zvinetso.