Nheyo dzeBonds

Kana iwe uri mutsva kunyika yezvisungo, zviri nyore kutyisidzirwa. Bhizimusi yekutsinhanisa inogona kuzadzwa neshoko risina kujairika, pfungwa dzisinganzwisisi (funga njodzi dzisungo ) uye zvakawanda zvakawanda kutaura nezvemasvomhu uye zvehupfumi pane zvaunowana pahofisi yekutsvaga hofisi yemabiko.

Zvinhu Zvikuru Zvokuziva Nezvikwereti

Asi usaora mwoyo. Zvikwereti hazvisi sevasingafungidziki sezvavanokwanisa kuonekwa. Heino mhando yezvinhu gumi zvakanakisisa zvekuziva nezvezvisungo.

1. Zvikwereti hazvive zvakaoma sezvazvinogona kuonekwa. Pasinei nemazita mazhinji anoshandiswa kurondedzera - zvikwereti zvisingagadziriswi, zvikwereti zvemari, zvikwereti zvechikwereti, nezvimwe - zvisungo hachisi chinhu chakanaka kunze kwekuti IOU inoyevedza iyo mazwi, zuva rekubhadhara, uye chikwereti chezvibereko chinonyatsorondedzerwa mu mvumo yemutemo.
2. Bonds vane mukurumbira wekuchengeteka. Uye mukurumbira iwoyo wakakodzera zvakakodzera. Asi izvi hazvirevi kuti zvisungo hazvina ngozi. Ichokwadi, vashandi vanobatana vanowanzozvidya mwoyo pamusoro pezvinhu izvo vatengesi vemazana vasingambofungi nezvazvo, kufanana nehuwandu hwematongerwo enyika nehuwandu hwehupfumi .
3. Zvikwereti zvinoshandiswa kune rimwe divi rinotungamirirwa nehuwandu hwemari. Kana mitambo inomuka, zvisungo zvinowira. Uye zvakasiyana. Kana iwe uchitenga chibvumirano uye uchibatisisa kusvikira ichikura, inopindira muhuwandu hwemari uye iyo inokonzerwa nekushambadzira mumutengo wezvisungo haingabatsiri. Asi kana iwe uchitengesa bhandi yako isati yakura, mutengo waunotora huchave wakabatana zvikuru nehuwandu hwechikwata.

1. Zvikwereti zvakanyanya kuoma kupfuura mashizha. Izvo zvikwata zvinouya nemhando shomanana yemarudzi uye zvinopiwa chete nemasangano ehurumende, zvisungo zvinotengeswa nemakambani, hurumende yehurumende, mahurumende anotsigirwa nehurumende, maguta, nyika, nezvimwe zviremera zvehurumende. Bonds inouyawo mumarudzi anenge asingagumi-kubva kumashoko mashomanana kusvika kumisungo inotora makore makumi matatu kusvika pakukura.

1. Sezvo zvakaoma sezvisungo zvingave, zvinobatsira kuziva kuti zvose zvisungo zvakabudiswa muUnited States zvinowira mune chimwe chezvikamu zvitatu. Chokutanga, pane chikwereti chakachengeteka chehurumende yehurumende nemasangano ayo. Chechipiri, pane zvisungo zvakachengetedzwa zvinotengeswa nemakambani, maguta, uye nyika. Izvo zvipfeko zviviri zvehutano dzinonzi "bhizinesi rekutsvaga mari." Chechitatu, pane zvisungo zvinotengesa zvinotengeswa nemamwe makambani, maguta, uye nyika. Izvo zvisungo zvinonzi pasi apa-kushandiswa-girasi, kana kusungira zvipfeko.
2. Zviri nyore kutaura pamusoro pechigarire kana bhizinesi ibhizinesi rekutsvaga mari kana kuti junk (uye iyo inowira pakuramba pakati pezviviri) Makambani akawanda eWall Street "anotonga" zvisungo nekuchengeteka. Aya masangano ekuenzanisa chikwereti, kusanganisira Moody's, Standard & Zvinotambudza uye zvakakosha, kubudisa pachena "makero" pamatambudziko ose.
3. Chinokosha pakunzwisisa mushambadzi wehutano chiri pakunzwisisa mhemberero yemari inonzi chibereko chevhizha , iyo inomiririra kuratidzirana kwehukama pakati pechido chekufarira icho chikwereti chinobhadhara uye kana chisungo ichocho chikura. Kana ukangodzidza kuverenga mavhareti (uye kuverenga kupararira pakati pemakumbo), unogona kuenzanisa zvakajeka pakati pehutano hwehutano.
4. Pane boka rose rezvisungo rinotarisirwa kupa mitsva isina kubhadhara. Maguta nematunhu vanobudisa masangano emasisita, kana munis, kutora mari yekubhadhara zvikoro, migwagwa uye nevanouraya kune dzimwe mishonga. Uye kubhadhara chikwereti pazvisungo ndezvekusununguka kwemitero yehurumende. Asi pasinei nekutora mutero, munis haisi yevanhu vose.

1. Mushambadzi wehutano ndiwo hwaro hwemamwe, matambudziko akawanda. Savvy vatengesi vanogona kutenga ramangwana uye zvisarudzo pazvisungo sezvavanogona nazvo mumatanda. Mushambadzi wehutano wakagadzirawo mari yakawandisa yemari. Pakati peizvi, zvakanyanya kuzivikanwa ndezvikwereti zvitsva swaps , zvinoshandiswa kudzivirira vatengesi kubva pangozi.
2. Zvakawanda zvemashamba emabatanidzwa anoitwa mune imwe kona yepamusoro, isina kunaka yeWall Street apo varairi vashomanana vari kunyanya kushaya njodzi. Misika yechipiri, kana kupfuura-the-counter yemakambani, haigamuchirwi nevashambadzi vepakati. Zvinhu hazvina kufanana sezvazvakanga zvakaita kare. Asi haisi nzvimbo yekutaura kunze kwekuti iwe uchida kuita zvakawanda zvekutsvakurudza uye zvakawanda zvekutaurirana. Nokudaro nokuda kwehuwandu hwevatapi vemari vachifunga nezvekubhadhara chikwereti kudyara, kutenga bhizimusi mutual fund ndiyo nzira yekuenda nayo . Bond mari yakasununguka pakudengenyeka kwehutano hwemunhu mumwe nomumwe. Vashandi vanogona kuzvishandisa kuti vasiyana-siyana maitiro avo (chimwe chinhu chisingakwanisi kune mumwe munhu kunze kwevapfumi vanoita nehutano hwemunhu mumwe nomumwe.) Zvakanaka nyore kuziva kuti zvipi uye mari (sales commissions) pane chero mari inogona kunge iri. Uye kune zviuru zvemari zvisingabhadhara mutoro uye kuchengetedza mari kune zvishoma.