Izikhwama zezezimali

izincwadi zengcebo

Impela ngezikhathi ezithile uzwile ngezikweletu zeMgcinimafa, noma nama-Treasury Bonds (noma amabhondi kahulumeni). Kepha uyazi ukuthi ziyini? Futhi yini ongayitshala kuzo ukuze uthole inzalo kuyo?

Ngokulandelayo sizokhuluma ngakho konke odinga ukukwazi ngezikweletu zikaMgcinimafa, kusuka kubani i-ejensi ebanikeza lokho abayikho, umehluko ngamabhondi kahulumeni nokuthi ungawathenga kanjani.

Yini uMgcinimafa Kahulumeni?

Yini uMgcinimafa Kahulumeni?

Ngaphambi kokwazi ukuthi yiziphi izikweletu zeMgcinimafa, kufanele wazi ukuthi yiliphi ibhizinisi elibakhiphayo. Sikhuluma ngakho Ingcebo yomphakathi. Empeleni, leli gama akuyona eyakhe, kodwa isifinyezo. Futhi sikhuluma nge Ihhovisi likanobhala jikelele loMnyango Wezezimali kanye Nenqubomgomo Yezezimali, isijobelelo soMnyango Wezomnotho Nezamabhizinisi.

Wenzani uMgcinimafa Kahulumeni? Iphethe ukuxhasa amaphrojekthi okutshalwa kwezimali ezweni lonke. Kuyinto ebaluleke kakhulu, ngoba lokho ekufunayo ukuthola ukwenziwa kwemali futhi, kulokhu, kufanele kukhiphe izikweletu zomphakathi. Lokhu yikho okwenza izikweletu zikaMgcinimafa namabhondi kahulumeni.

Yiziphi izikweletu zomgcinimafa?

izincwadi zengcebo

Izikweletu zikaMgcinimafa ziyinto ebisebenza eSpain isikhathi eside. Eqinisweni, kuyaziwa ukuthi zenziwa ngoJuni 1987, lapho kuqala iMakethe Yesikweletu Somphakathi ku-Annotations. Ngaleso sikhathi, izikweletu zikaMgcinimafa zavela njenge- inani lemali engenayo elingaguquguquki elisetshenziswe esikhathini esifushane futhi ebelimelwe kuphela ngokufakwa kwencwadi. Ngamanye amagama, ukuphepha kwezikweletu zomphakathi okukhishwa ngesaphulelo futhi kunokuvuthwa kwesikhashana. Lokhu kusetshenziselwa ukuxhasa ngezimali uMbuso kanye nomtshali-zimali, okungukuthi, umuntu othenga lezo zikhokhelo, lokho akufunayo ukuthola inzalo engaguquki uma ukuvuthwa sekwenziwe (okungekho ngaphezu kwezinyanga eziyi-18, yize okujwayelekile kuze kube Izinyanga eziyi-12).

El Inhloso yemithethosivivinywa kaMgcinimafa ukuthola ukuxhaswa ngezimali kwesikhashana nokuthi lokhu kwenzelwa izindleko eziphansi kakhulu. Ngakho-ke, lokho okutholwayo akuphakeme kakhulu.

Inani eliphansi lemali ekhokhwa nguMgcinimafa lingama-euro ayi-1000 futhi, yize kuyinto ejwayelekile ukuthi ikhishwa endalini nangesaphulelo, noma nge-premium, iqiniso ukuthi ukutholwa, yize kujwayelekile ukuthi kwenzeke ngemali engaphansi kunenani laso, kwesinye isikhathi linganikezwa ngenani eliphakeme.

Ngaphezu kwalokho, kufanele wazi ukuthi le mibuyiselo ayikhokhiswa intela yomuntu siqu nentela yenhlangano.

Imithethosivivinywa kaMgcinimafa vs Amabhondi kaMgcinimafa

Baningi abacabanga ukuthi ama-Treasury Bills nama-Treasury Bonds ayafana. Kepha empeleni akunjalo; Yizinto ezimbili ezihlukene.

Yize sichaze izikweletu zeMgcinimafa ngaphambi kwakho, esimweni samabhondi nazo ziyizibambiso, kuphela lokho, ngokungafani nezikweletu zesikhashana, zinesikhathi esiphakathi kweminyaka emithathu kuya kwemihlanu.

Ngamanye amagama, yini ehlukanisa izikweletu zeMgcinimafa nezibopho zeMgcinimafa yilezi:

  • Isikhathi sokutshalwa kwezimali: ngenkathi ngezinhlamvu leli gama likhula izinyanga ezi-3, 6, 9 noma eziyi-12; esimweni sezibopho, ukutshalwa kwemali kuphakeme, eminyakeni engu-2-3 nengu-5.
  • Ifomula lesaphulelo: Leli gama lisho indlela yokukhishwa kwezikweletu zikaMgcinimafa. Futhi, okwenziwayo ukubathola ngentengo ephansi kunenani umtshalizimali alitholayo uma sebebuyiselwe. Ngokuphambene nalokho, ngamabhondi, inzalo itholwa njalo ngekota, unyaka nonyaka noma unyaka nonyaka.

Izici Zomthethosivivinywa Wezezimali

Izici Zomthethosivivinywa Wezezimali

Uma usunomqondo omncane wokuthi yiziphi izikweletu zeMgcinimafa, kubalulekile ukuthi wazi ukuthi yiziphi izici ezichazayo ngaphambi kokungena kuzo. Futhi, enye yezimpawu zokuqala zalezi zimpahla zezimali zomphakathi iku izinga lobungozi. Akunakugwenywa ukuba nengozi njalo lapho uhweba isikhwama. Kodwa-ke, esimweni salezi zikhwama zeMali kaMgcinimafa, kufanele kuthiwe zinobungozi obuphansi impela, ikakhulukazi uma uziqhathanisa nezinye izimpahla. Lokhu akusho ukuthi kulula ukuhweba nokuthi ungathola imiphumela, kepha uma kwenzeka ukulahleka, inqobo nje uma ungatshali imali eningi, ukulahleka kungenzeka kungabi phezulu njengakwezinye izimo.

Futhi khumbula ukuthi i- Izinga lenzuzo kuphansi impela, ngakho-ke ngeke ucebe ngabo. Kodwa-ke, iqiniso lokuthi isikhathi esifushane (ukuphelelwa yisikhathi) kusiza ukugwema ukuba nemali etshalwe ngaphandle kokukwazi ukuyinika ukuphuma.

Kufanele wazi ukuthi, ngaphandle, inani elilinganiselwe lomthethosivivinywa woMgcinimafa ngama-euro ayi-1000 XNUMX. Futhi lezi zihloko zizohlala zitholwa ngaphansi kwalelo nani elilinganisiwe, okungukuthi, zizobiza ngaphansi kunalokho ezikufanele ngempela. Lapho konke sekuqediwe (okungukuthi, kufinyelela ekuvuthweni), umehluko phakathi kwentengo etholwe ngayo nenani lomthethosivivinywa yilokho okubizwa ngokuthi inzalo ekusebenzeni. Isibonelo, cabanga ukuthi inani olithenga ngalo lingu-500; inani layo lokuphakama lizoba yi-1000, ngakho-ke inzalo ingaba ama-euro angama-500. Vele, lokhu akunjalo ngempela njengoba inzuzo nezinye izinto ziqala ukusebenza.

Uzithenga kanjani

Uma ngemuva kwakho konke okufundile, ucabanga ukuthi ama-Treasury Bills ayindlela ongayikhetha, bese wenza into elandelayo okumele wazi ukuthi ungayithenga kanjani.

Futhi njengamanje kunezinketho ezimbili kuphela zokukwenza:

  • Ngesikhungo sezezimali. Kulokhu, awuthengi, kepha kunalokho unike lelo bhizinisi amandla abameli ukuze likwenzele, liye emakethe eyinhloko noma yesibili futhi lithole Izikweletu Zomgcinimafa. Akukho lutho olungalungile ngalokhu, kuba sengathi unike omunye umuntu amandla okwenza okuthile ozozuza kukho. Ngaphezu kwalokho, kufanele kukhunjulwe ukuthi sikhuluma ngengxenye yesikhwama okuthi, kwesinye isikhathi, kungcono ishiyelwe ochwepheshe.
  • NgeBhange LaseSpain. Ngokuqondile, okusetshenziswayo yi-akhawunti eqondile neBhange, ukuze ukwazi ukuthenga ngaphandle kwabalamuli. Ungakwenza futhi nge-Intanethi.

Amazwana, shiya okwakho

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.

  1.   I-Palma kusho

    Umsebenzi wakhe wezomnotho ubonisana nendawo yabakwa-HR futhi usungule inkampani eBritish Virgin Islands ene-akhawunti yasebhange.
    Ngingusomabhizinisi wesifazane waseColombia futhi umsebenzi wami wezomnotho uyabonisana endaweni yakwa-HR. Bengihlala ngifuna ukwenza imali ngaphesheya kokuqala kwami, futhi ngithinte inkampani yaseSwitzerland ukungiluleka ngokuthi iyiphi enye indlela engcono kakhulu yokutshala imali. Sinqume ukuvula inkampani eBritish Virgin Islands ene-akhawunti yasebhange. Ngiyayincoma impela. MABHALA.