Nhamba Idzo Inotora Zvikwata, Bonds iri Chikwereti
Sangano nezvisungo zvinomiririra nzira mbiri dzakasiyana-siyana dzechikwata chekusimudzira mari kubhadhara kana kuwedzera mabasa avo. Apo kambani inoburitsa zvigadzirwa, iri kutengesa chidiro chayo pachako kutengesa mari.
Apo imwe sangano inounza chikwereti, iri kubhadhara chikwereti nechibvumirano chokubhadhara chikwereti chekushandisa kwemari.
Sangano ndezvikamu zvemakambani ega. Heino nzira iyo inoshanda: taura kambani yakaita kuburikidza nechikamu chayo chekutanga-uye yakabudirira. Vadzidzisi vanoda kuwedzera, asi havakwanisi kuzviita chete kuburikidza nemari inowanikwa kuburikidza nemabasa avo. Somugumisiro, vanogona kutendeukira kumahomwe emari ekuwedzera mari. Imwe nzira yekuita izvi ndeyokuparadzanisa kambani kusvika mu "zvikamu," uye wotengesa chikamu chezvikamu izvi pamusika wakatarwa mune imwe nzira inozivikanwa se " yekutanga yehupi ," kana IPO. Munhu anotenga sengo, naizvozvo, kutenga chikamu chaiyo chekambani, iyo inomuita iye oga ari muridzi - kunyange zviduku. Ichi ndicho chikonzero Stock inonziwo "kuenzana."
Zvikwereti, kune rumwe rutivi, zvinomiririra chikwereti. Hurumende, sangano, kana chimwe chikamu chinoda kukwereta mari yakwereta mari mumusika wevanhu vose uye inobhadhara chikwereti kune chikwereti ichocho kuvashambadzi.
Bhandi imwe neimwe ine chimwe chinhu chinokosha (inoti, $ 1000) uye inopa chikwangwani kuvarimi. Semuenzaniso, mari ye $ 1000 neketani ye 4% yaizobhadhara $ 20 kumutengesi kaviri pagore ($ 40 gore negore) kusvikira ichikura. Pamusoro pokukura, mutengi anodzorerwa mari yakazara yemutungamiri wake wepakutanga kunze kwechiitiko chisingadikanwi kana bhizimisi risati rafa (kureva kuti, uyo anopa chikwereti haakwanisi kubhadhara).
Kusiyana pakati pezvitoro neBonds yevatengesi
Sezvo chikamu chimwe nechimwe chinomiririra danda rega mukambani - zvinoreva kuti muridzi wacho anowanikwa mune purogiramu uye kurasikirwa kwekambani - mumwe munhu anodyara muchikwata angabatsire kana kambani ichiita zvakanaka chaizvo uye kukosha kwayo kunowedzera kwenguva. Panguva imwe chete, iye anokonzera njodzi yokuti kambani inogona kuita zvisina kunaka uye mari yacho inogona kuderera - kana, mumamiriro ezvinhu akaipisisa (bankruptcy) - inonyangarika zvachose.
Nhengo dzomunhu mumwe nomumwe uye iyo yose yemusika wekutengesa inowanzove iri pamucheto we riskier wekutsvaga kwekutsvaga kwekutsvaga maererano nekusagadzikana kwavo uye pangozi iyo mutyairi anogona kurasika mari munguva pfupi . Kunyange zvakadaro, ivo vanoedzawo kupa hukuru hunosvika kwenguva refu. Saka mabhizimisi anofarirwa neavo vane nguva yakareba yekutsvaga kwekutsvaga uye kushivirira kwekuda kwenguva pfupi.
Zvikwereti zvinoshaya simba rine simba rekudzoka kwenguva refu rematokari, asi ivo vanosarudzwa nevashambadziri avo vane mari inonyanya kukosha. Uyezve, zvisungo hazviperi kune zvigadzirwa. Kunyange zvazvo matengo avo achichinja mumusika - dzimwe nguva zvakanyanya kunyanya kuitika kune zvikamu zvepamusoro-misika yemisika - huwandu hwakawanda hwezvisungo hunowanzobhadhara chikwereti chakakwana chemukuru pakukura, uye kune ngozi shomanana yekurasikirwa kupfuura kune matokisi.
Ndezvipi Zvakakunakira?
Vanhu vazhinji vanoita mari muzvikwama zviviri uye zvibatanidza kuitira kuti vasvike . Kusarudza pamusoro pekukanganiswa kwakakodzera kwematokisi uye zvisungo muhofisi yako yepamusoro inoshanda yenguva yako yakatarisa, kushivirira kune ngozi , uye zvinangwa zvekutsvaga.