Bond yemitengo inoshandiswa apo chido chekuda kuchinja. Heino chikonzero.
Chikonzero nei Bond Mutengo Kuchinja Kana Inhara Dhidha Dzichichinja
Mamiriyoni uye muenzaniso wemakumi mashanu anopa tsanangudzo yakanakisisa yehukama pakati pemitengo yezvisungo nemari yemari.
Ngatitarisei nyaya yekudzidza.
Case Study Facts
- Unotenga chikwereti che $ 1 000.
- Inokura mumakore mana (panguva iyo iwe unodzorera mari yako ye $ 1 000).
- Kudhengetwa kwechikwata chayo (chido chekuita) chinokwana 4%, saka inopa 4% pagore, kana $ 40 pagore.
Ngatitii gore rimwe mushure mokutenga chikwereti chechibvumirano chechibvumirano chinokwira ku5% uye unosarudza kutengesa bhadha yako. Paunopinda mutemo wokutengesa, urongwa hunoenda kumusika, uye avo vanogona kutenga vatengi zvino vanofananidza kusunga kwako kune dzimwe zvibvumirano uye vanokupa mutengo. Izvi zvose zvinoitika nokukurumidza zvikuru pa internet.
Nhengo yako inofananidzwa sei nedzimwe zvisungo pamusika? Sezvo kuwedzera kwezvikwereti zvakakwira, inenge ichangobva kubhadhara $ 1000 chibvumirano chinokura mumakore matatu (nguva yakasara usati wasvika muhutano hwako) iri kubhadhara chikamu che5% kana $ 50 pagore. Izvozvo zvinoreva kuti hutano hwako hunofanira kupfuura kuburikidza nehutengo hwekugadzirisa hutano kuti huve hwakatengesa kana uchienzaniswa nehutsva. Ngatitarisei kuti kushandiswa kwemusika uku kunoshanda sei.
Kugadziriswa Kwekambani kuMutengo WeBond
- Kana mutengi achitenga chikwereti cha $ 1 000, vachawana $ 40 x 3, kana kuti $ 120 muchifarira pamusoro pemakore matatu akasara.
- Kana mutengi achitenga bhisho idzva ye $ 1 000, vachawana $ 50 x 3, kana kuti $ 150 mubasa pamusoro pemakore matatu akasara.
- Izvo hazvina chikonzero chekutenga bhandi yako pahupamhi hwema $ 1 000 kubva apo mutengesi aizowana rubatsiro ruduku kudarika zvitsva zvinobudiswa. Nokudaro mumusika unogadzirisa mutengo wezvisungo zvako kuti uite zvakaenzana.
- Munzvimbo iyi yemamiriro ezvinhu, unogona kuwana kupiwa kwe $ 970 nokuda kwehutano hwako. (Kana bhengi inotengesa zvishoma kudarika kukohwa kwayo inonzi inoshandiswa pakutengesa.)
Mumwe mutengesi akatenga bhadha yako ye $ 970 aizowana iye zvino $ 120 zvekufarira, pamwe chete nemadhora makumi matatu emakumi matatu ekutanga apo musungo wacho uchikura. Nemhaka yokuti vaikwanisa kubhadhara mari shomanana yehutano, vaizogamuchira mari imwe chete yezvibereko, panguva imwe chete, sekunge vakatenga bhisho idzva rakabhadhara kubhadhara chikwata chekuwedzera.
Kana iwe ukabata chibvumirano chako pakukura, unogamuchira zvizere $ 1 000. Mari yazvino yemusika wezvisungo chete nyaya kana uri kutengesa bhadha yako zvino. Izvi zvinoita kuti munhu mumwe nomumwe asunge chisarudzo chakanaka kana iwe uchida chimwe chiitiko. Iwe unoziva kuti uchawana zvakawanda sei uye paunenge uchiwana, uye iwe haufaniri kunetseka pamusoro pemagetsi ekuchinja. Nokuda kwekubvisa mari, humwe husungo hunowanzoshandiswa mune izvo zvinonzi bhadha yepamusoro kugadzira gore rega rega rekuyerera kwemari inoshandiswa kurarama paunenge uchirega basa.
Bond Price, Interest Rates, uye Nguva
Pane chimiro chaunogona kushandisa kuti uenzanise kuitika kwekushandurwa kwevechirwere mari inenge iri pane bhandi kana bhadha. Muchirungu chena, The 4 Percent Rule Haisi Yakachengeteka Munyika Yakaderera-Yakawanikwa, vanyori Michael Finke, Wade Pfau, uye nyika yaDavid Blanchett, "Imwe nzira yekufungidzira kushandiswa kwekuchinja kwezvikwereti kumitengo yezvisungo kuti kuwedzere nguva yezvisungo nekushandurwa kwechido chekuda mari nguva dzisina kunaka.
Somuenzaniso, kana zvikwereti zvinowedzera ne2%, chisungo nehuwandu hwemakore mashanu (iyo nguva yakatarwa yeBarclays Aggregate Bond index) ichaderera nehuwandu ne10%. Izvo zvinokonzerwa nezvisungo zvinogara kwenguva refu (semuenzaniso, makore gumi nemashanu) zvingatove zvakanyanya kunyanyisa.
Kuti uwane chirevo ichi, unofanirwa kunzwisisa uye kutarisa nguva yezvisungo, iyo iri mumashoko ari nyore ndeyveruzhinji inorema kuenzana nekureba kwenguva iyo bhadha ichabhadhara. Iyo yakakwirira nguva, iyo inonyanya kuvharwa nechisungo kana mari yezvisungo ichave yekuchinja muhuwandu hwemari.
Zvimwe Zvimwe Zvinokonzera Kutengesa Bond
Muenzaniso wandakapa hauna kukonzera zvinhu zvose zvinokanganisa mutengo wematengo emusika. Mutengo wokupedzisira wechibvumirano unobva kune unhu hwekwereti, rudzi rwehutano , kukura, uye nguva yakawanda yekubhadhara chikwereti.
Pakazara, zvisungo nemashoko akafanana zvichagadzirisa kuwanikwa kwezvikwereti nenzira yakadaro.
Kana iwe uine chikwereti chebhadha, mutengo wezvikamu zvehupfumi ucharatidza mutengo wekutengesa pazvisungo zvose zviri nebhasi rechikwata.
Ndeapi Mhando Yezvikwereti Zvingaita Zvakanaka Mukushamwaridzana Kwakawanda Kwemazingira?
Kune mhando mbiri dzezvisungo zvisingabatsiri kana zvikwereti zvinowedzera. Zvose zviri kutenderera chiyero chezvisungo mari uye mari yezvigadziriswa-kugadziriswa mari yehurumende inogona kuchengetedza kukosha kwayo mukukwira kwechikwata chekuda kwekuchengetedzwa kwenyika nokuti mari yekutora pamarudzi aya ezvisungo ichagadzirisa.
Uyezve, kana iwe uri wezvisungo zvega pane pane mari yezvisungo uye urongwa hwekuisa zvikwereti zvako mukukura, saka haufaniri kuve nehanya nezvekuchinja kwehuwandu hwemari sezvo iwe usina gadziriro yekutengesa bhandi yako, saka iyo mutengo wepakati hauna basa iwe.