Kunzwisisa Maitiro uye Kuda Kwekutsvaga Munzvimbo Yakasarudzwa
Iko kushandiswa kwebasa kazhinji kanowanikwa zvakanyanya kugoverwa kwezvibereko zvakagamuchirwa nevashambadzi vaifarira ndekushaya kukwanisa kukura mari yavo zvikuru sezvo sangano rinowedzera. Kunze kwekunge kune magadzirirwo anokosha anowedzera simba, maitiro emakosheni anosarudzwa anonyanya kufunga nezvekuchinja kwezvibereko zvezvibereko uye chibereko chezvikwereti kumakwikwi ekukwikwidzana. Izvi zvinoreva kuti chero mari ipi neipi inowanikwa inowanikwa nemuridzi wepamusoro inogona kubva pakutengesa mhando inoshandiswa mberi kusati kwawanikwa chido chekuda uye / kana kuwedzera mu creditworthiness yekambani, zvichiita kuti vamwe vashandi vatange kugadzirira kubvuma muchero wekugovera.
Kuchengetedza vs. Kwete-Kuwedzerwa Kunoshandiswa Stock
Nheyo dzenyaya dzakasarudzwa dzematokari dzinogona kusiyana zvakasiyana-siyana, kunyange pakati pekambani imwechete, iyo inogona kutora nhamba dzakawanda dzinoshandiswa "series" sezvazvinowanzotumidzwa. Zviri pachena kuti chimiro chakakosha chesaiti yakasarudzwa ndechekuti kana kwete chikamu chacho chinowedzera here kana kuti kwete.
Muchiitiko chakawedzerwa, sarudzo dzakasarudzwa dzisingabhadharwi dziri munhoroondo. Izvi zvikwereti zvisina kubhadhara zvinotaurwa se "mukutora". Pamberi pegoverwa chero ipi zvayo inogona kubhadharwa kune avo vanogara vanogara, iyo yose mumari inoshandiswa yakaenzana inofanira kugoverwa kune vashandi vasarudzwa vakakwana. Kana sarudzo yakasarudzwa isiri kuwedzera uye kubhadhara chikamu chisina kukwana, vashandi vanodikanwa vanenge vasina ruzivo.
Havazombogamuchiri mari iyoyo, kunyange kana kambani inobereka zvinyorwa zvichinyora zvikwereti mwedzi gare gare.
Zvigadzirwa Zvinogona Kuchinja Nhamba Yakakosha Kukosha
Pane humwe huwandu humwe humwe huripo hunogona kuchinja kukosha kweshamba yakasarudzwa. Heano zvimwe zvishoma zvaunofanira kuziva:
- Kuvhota nekusina Kuvhota : Vapi vedzimba dzakasarudzwa vanogona kana kuti vangave vasina kodzero yekuvhota. Pakave nezviitiko munhau yose umo maitiro aakada kugovera anongogamuchira kodzero dzekuvhota kana zvikwereti zvisiri kubhadharwa kwenguva yakareba yakatarwa, zvichibudirira kutamisa simba, kana risingarevi, simba rekuvhota kune vashandi vanodikanwa. Urongwa hwakadaro hunovaisa muhutano hwekutanga rekutora chikwereti chekuita nekuvapa simba roga roga rokumanikidza kubhadhara pamhosva yavo, zvigadzirwa zvinobvumira. Izvi zvinowanzotorwa mune dzimwe nzvimbo dzekutengeserana padziviriro, urongwa huripo hwekubhadhara mari pamwe nemakambani ehurumende, kana zvimwe zvisingasviki mamiriro ezvinhu apo de facto chikwereti haadi kubhadhara mitero yakakwirira yakazobhadhara pamari yezviwanikwa yaive yakabhadharwa.
- Nhamba inogadziriswa inoshandiswa pamatokari : Vabati vekosi yakasarudzwa vanowana mugove unopesana zvichienderana nenhamba ipi neipi yezvinhu zvinoratidzwa nekambani iri panhau yekutanga yekupa vanhu . Kwemakore gumi apfuura, zvave zvisinganzwisisiki kune zvitsva zvinoshandiswa pamashamba ezvematongerwo emitambo kuti zvidimbure zvikwereti zvezvikamu kuderedza chido chekufarira senitivity uye kuita kuti vakwikwidzane mumusika.
- Convertible inoshandiswa muhomwe : Vatori vorudzi urwu rwekuchengetedza vane kodzero yekushandura tsvakiriro yavo yakagadzirwa kuva zvikamu zvakafanana. Izvi zvinobvumira muridzi wekuvhara muzvikamu zvegoveri uye zvingabatsire kubva pakusimwa mune imwe sengo apo iri kudzivirirwa kubva pakuwa. Pasi pemamiriro ezvinhu akakodzera, nebhizimisi rakanaka, mutengesi ane njere anogona kuita mari yakawanda paanonakidzwa nemari yakakwirira uye pangozi yakadzama nekuisa mari mukutengeswa kunotengeswa kwekutanga kutanga. Kuti udzidze zvakawanda nezvekuti izvi zvinoshanda sei, verenga Shanduro Inoshandiswa Inoshandiswa yeVatambi .
- Kubatanidzwa muchikwata chinosarudzwa : Kazhinji, zvikamu zvehuyu zvakasarudzwa zvikwata zvinogamuchira chikamu chinowanikwa pamwe negoverengeti yakawedzerwa kubva pane zvakatarwa muzana yemari yakagadziriswa kana mugove wakabhadhara kune avo vanochengetedza vese.
Kunyange nezvikamu zvishomanana zvataurwa pamusoro apa, kuchinja kwezvikwata zvakasarudzwa zvinogona kuva zvakawanda. Zvinogona kuitika kuti mubhadhati aigona kusvika pane kusarudzo kwekuvhota kunobatanidzwa inoshandiswa nyaya inoshandiswa!
Inofanirwa Kuda Mitengo Inopesvedzwa Nokushandurwa muChino Stock
Kana ikambani yakakura yezvinodhaka yakawana mushonga wehavha yakawanda, kambani inowanikwa yekambani yaizosimudzira kutarisira makumi ezviuru emadhora emadhora avo vanotarisira kuti kambani iwane mari mune ramangwana. Panguva imwecheteyo, sarudzo dzekambani dzakasarudzwa dzingangodaro dzisingasviki mumutengo kunze kwekuti mukana weparadhiso yakasarudzwa zvino wakachengetedzeka sei nekuda kwekuwana mari yakakwirira; kuchinja kwezviitiko zvinogona kutungamirira kumusika kukosha kwekusimudzirwa kwekuda uye chibereko chinowira. Kunyange zvakadaro, vashandi vanodikanwa vangave vasina kurasikirwa nemari yakawanda inowanikwa, kunyange zvazvo vachiunganidza kugoverana kwevatengesi. Kana, masvondo mashomanana gare gare, kambani yakaratidza kuti mushonga hahubudiriri, mutengo weganda wakazara unogona kupera. Dai kambani inoshandiswa nekambani inoderera, zvakare? Chero bedzi bhizinesi richiri kuisa iyo yakasarudzwa inoshandiswa mubhadharo yemitengo, mutengo wayo ungaramba usinganyatsogadzikane.
Zvisinei, kana mutengesi aine purogiramu inoshandiswa inoshandiswa ("PERCS", Preference Equity Redemption Cumulative Stock, sezvavanozivikanwa) mumamiriro ezvinhu aya, mutengo we PERCS ungadai wakawana kukura kukuru uye kuwira zvichienderana nechitarisiko chinotarisirwa mutengesi angave akaziva kuburikidza nokushandura zvikamu zvake muzvikamu zvakafanana. Chero bedzi mubati wevakasarudza haana kutendeudza zvikamu zvake kana kuwana zvimwe zvaanoda pamutengo wakakosha, haazovi nekurasikirwa kwekukuru.
Ndiani Anofanira Kuzviisa Muchitoro Chinodiwa?
Munzira dzakawanda, kusungirirwa kwemaoko kunowanikwa kupa vashandi vanogona kutaridzika kunakidza, asi chokwadi chinonyanya kukohwa, kazhinji kutaura, hazviiti kunzwisisa kune vashandi vega.
Ukuwo rumwe rutivi, mari inoshandiswa yezvikwata inogona kuva yegoridhe yezvikwata zvekambani. Sei? Mitemo yemitero yehurumende inoda kuti makambani abhadhara mutero wemari pamapato makumi matatu emakumi matatu ezvakagadziriswa, izvo zvinoreva kuti 70% yakazara inonyanya kusabhadhara mutero! Izvozvi hazviwanikwi kune mumwe munhu wevatengesi. Purojekti yako inogona kuwana yakareba mushure mekubhadhara mutero nekubhadhara muhutano hwekambani kana mitero inofadza kana masisita emumisitendi kana uri mubhaketi yakakwirira yepamusoro. (Kuti uone kuti chii chinopa huwandu huripo mushure mokutora mutero, unoda kuverenga chimwe chinhu chinozivikanwa semutero unobhadhara mutengo ). Zvakakosha zvakakosha ndeyekuti, sehusimba wezvisungo, iwe ungangove wakagamuchira muchengeti wepamusoro muzvikwereti zvakadaro pasinei nechinzvimbo chepamusoro chinopiwa nematokisi akawanda anonyanya kuda.
Hazvinei kuti chii chaunoita, zvingave zvakachenjera kuyeuka mutevedzeri wemurimi wezvakanaka, mudzidzisi, uye maneja wemari, Benjamin Graham, uyo akasimbisa zvakasimba kuti zvaive nguva dzose kukanganisa kwemuti wekutenga kutenga sarudzo yakasarudzwa kana kuti pedyo kukoshesa sezvakaitika kare kare, kana iye ane mwoyo murefu zvakakwana, mukana wekuve nawo pane zvakaderedzwa hutsika huchasvika.
Verenga Zvakawanda Pamusoro pekutsvaga muIndaneti kana Bonds
Iwe unogona kuwana ruzivo rwakanyanya pamusoro pekutsvaga kwekutsvaga muzvitoro muGwaro redu rose rekutsvaga muStock . Iwe ungadawo kuongorora 3 Bond Strategies for Long-Term Investors .