Bond Ladders Ive Mafomu Asset-Mhosva Kubatana
Bond Ladders Kuwana Mari Inoshandiswa Mari
Mukurasira, bhanhire remaketani inogona kushandiswa zvakajeka kugovera mari inoda mari yekubhadhara mari gore negore. Semuenzaniso, munhu anochengetedza hutori angatora nzvimbo yavo yese yekutengesa uye anotenga zvisungo zvemunhu mumwe nomumwe kuitira kuti zvibvumirano zvikure gore negore kwemakore makumi matatu anotevera kuti awane kushanyirwa kwemari yavo. Izvi zvingava makore makumi matatu nemakore musungo. Mumwe munhu asingadi kuchengetedza angashandisa chikwata chechikwata kuti asangane nemakore mashanu kusvika kune gumi ekudhura sezvaanotsanangurwa muchikamu chinotevera.
Bond Ladders seChikamu cheEngetaniti Portfolio
Ngatiti iwe uri murima ane mari inononoka kushivirira, achibvisa $ 1 mamiriyoni. Iwe unogona kutora $ 400,000, kana 40% yemapatoti ako, uye utenge zvisungo zvisere nezvakatarisa chiso che $ 50,000 mumwe nomumwe. Chibvumirano chokutanga chaizokura mune rimwe gore, chinotevera chaizokura mumakore maviri, chinotevera mumakore matatu, nezvimwe zvakadaro, zvichidaro zvichikwidza chikwereti chezvisungo pamusoro pemakore masere.
Iyi iri muenzaniso wakareruka, asi inokupa pfungwa yakawanda yekuti inoshanda sei.
Mari inosara $ 600,000 yaizogadziriswa mumatokari (ezvinyorwa zvinoshandiswa nenzira yakarongedza mari ) kuti uite chikamu chekuwedzera chepodfolio yako. Makore masere mushure mezvo, kana zvikwereti zvakaenzana nezvikamu zvinomwe zvekudzoka, iyo $ 600 000 yaizokura kusvika kudarika $ 1 mamiriyoni, zvichikubvumira kutengesa madhora mazana mashanu emadhora ekuumba imwe nhanho.
The Practical Application of a Bond Ladder
Pane zviitiko zvinoverengeka zvinoshanda zvinofanira kuonekwa kana uchishanda zvikwata zvakadai se:
- chikwereti chekodzero yezvisungo zvaunotenga
- iyo mitero yemitero yemari inowana mari
- ndeupi iwe unotenga zvisungo mu (IRA, kwete IRA somuenzaniso)
- mukati memapatoti ako, maitiro ekutevedzera uye kushandisa shanduko yezvisungo zvinogadzirwa vasati vakura gore ravo
- basa rekushandirana kwemari kana kuti account iyo inogona kuita kuti kutenga zvisungo
- nguva yekukohwa chikamu chekukura chepodfolio yako
Nemhaka yekuoma kwezvinhu zviri pamusoro, vazhinji vane ruzivo rwekutsvaga vashandi vanoona kushandiswa kwechisungo kwakaoma zvikuru kupfuura kutenga mashizha.
Nekukohwa kukohwa chikamu chekuwedzera kwepodfolio yako, uchishandisa muenzaniso wedu pamusoro apa, hazviiti iwe unogona kumirira makore masere usati wazvitengesa kubva pamatokisi kuenda kumatanho kunze kwezvisungo. Pane kudaro, mumakore nematengesi akasimba emakero , iwe unotengesa zviyero, uye wobva wawedzera zvisungo kusvika pakuguma kwehutano hwako.
Mune makore nemakore mashoma ekudzoka kwemari, iwe haungatengesi matengo. Kana wakanga uine makore akawanda ehurumende yemabhizimisi mashoma, unogona kusvika kusvika pane imwe nguva yekuve nemakore maviri kusvika matatu emaketani akasimwa akasiyiwa. Zvakanaka, sezvo chinangwa chekusimbisa hutanho hwehutano ndechekuti iwe une mari yakachengeteka yekusangana neyo nguva-pfupi yemari inoyerera ichidiwa uye naizvozvo haukumanikidzi kutengesa kuwanika mumusika.
Ko Zvakadini Nemitengo yeBond Kana Nharaunda Dzakasvika Dzichikwira?
Ikozvino mari yezvisungo inowanzoenda pasi apo inhamba yezvibereko inokwira . Ichi ichokwadi. Paunofunga pamusoro peizvi, ramba uchifunga mupfungwa dzako kuti kuva nehutano hweumwe munhu yakasiyana nekuva nehutano mutual fund. Kana iwe uri kushandisa zvibvumirano zveumwe munhu kuti uite mutengo-mutoro unofananidzwa nehupfumiro kana hutano hwehutano huchapedza kukosha hukuru. Kunyange zvazvo mutengo wechibvumirano uchachinja pamberi pekukura, chero bedzi iwe uchibatisisa pakukura, izvo kuchinja hakubatsiri kwauri. Kana ukama uhu hunoziva huwandu hwemari yaunogamuchira pasinei nekufambisa kwechibereko. Kana iwe uchitengesa bhizimisi musati wasvika musi wekukura kwako unogona kuwana zvishoma kana zvishoma kupfuura mutengo wokutanga wezvisungo.
Zvimwe zvinoshandiswa kuBond Bundu
Munzvimbo yehutanho hwese, iwe unogona kuumba CD yepamusoro, ne zviiti zvekuisa chikoro gore negore kuti usangane nemari inodiwa.
Iko kunogona kubatsira pamatengo maviri CD uye zvisungo zveimwe nguva yakatarwa yekuziva kuti chii chaizokupa muchero wepamusoro.
Iwe unogonawo kushandisa gore rakasarudzwa , panzvimbo yezvisungo kana CD, sechikamu chemakero ako. Zvakare, iwe unoda kutsvaga mari yekutsvaga, kana kusanganiswa kwemari, inogona kukupa muchero wakakosha kune rimwe zuva rakakura.