Zomwe muyenera kudziwa zokhudza Treasury bills

Treasury bonds ndi ngongole zoperekedwa ndi Boma. Nthawi zambiri amakhala ngati zolemba, zomwe zimalola kuti chiwongola dzanja chiperekedwe komanso kubwezeredwa pa kukhwima. Muli ndi mwayi wogula ma bond a Treasury kudzera mwa anthu (zabwino chifukwa formula) kapena banki kapena mabungwe osiyanasiyana azachuma (satifiketi ya Treasury kapena ma voucha aakaunti apano).

Kugulitsa ndi kugula ndalama zamtengo wapatali, zopangidwa makamaka ndi banki yayikulu, ndi imodzi mwa njira zazikulu zoyendetsera ndalama zambiri zomwe zimapezeka pamsika wandalama.

M'nkhani yathu ino, ndikukuuzani zonse zokhudzana ndi chuma chachuma. Koma tisanayambe, umu ndi momwe Kuyika ndalama pogulitsa nyumba ndi sitepe. Tiyeni tizipita !!

🌿 Makhalidwe a Treasury Bond

Treasury bond iliyonse ili ndi mawonekedwe ake:

✔ Mtengo wa bondi

Uwu ndi mtengo womwe wolembetsa aliyense ayenera kulipira voucher ikaperekedwa. Zimawerengedwa molingana ndi mtengo womwe unatsimikiziridwa kumapeto kwa kuika pa msika wogulitsa.

✔ Chiwongola dzanja choyenera kulipidwa

Tikulankhula apa za ndalama za bondi. Chiwongoladzanja chiyenera kulipidwa kwa wobwereketsa pa tsiku lomwe latsimikiziridwa pasadakhale. Ndalama zomwe zimaperekedwa nthawi zambiri zimatchedwa " coupon ". Imapezedwa pofunsira chiwongola dzanja pa mtengo wamba wa voucher.

Mwachitsanzo : ndalama ya Treasury Bill yomwe inaperekedwa pa June 12, ndi mtengo wamtengo wapatali 1€, kuti muyenera kulipira a 3% coupon pachaka. Wogulitsa ndalama yemwe adagula ndi 500.000€ mwadzina adzaperekedwa June 12 chaka chilichonse panthawi yonse ya ngongole, 500.000 × 3% = 15.000 € za zokonda.

✔ Mtengo wobwezera

Mtengo wowombola wa Treasury Bond ndi " mtengo wa nkhope zomwe nthawi zambiri zimatha kukhala zosiyana ndi mtengo wake wogula, ndipo izi zimatengera njira yake yoyikamo kudzera m'misika.

Nkhani yoti muwerenge: Kodi mutual funds ndi chiyani ?

Kubweza kwa bondi kumachitika pa tsiku loyenera la ngongoleyo. Pali mwayi woti kuwomboledwa kwa voucher kudzafunsidwa nthawi yake isanathe, koma iyenera kukhala ndi osachepera 3 months atalembetsa.

🌿 Mitundu ya Treasury Bond

Masiku ano tikhoza kunena kuti pali mitundu iwiri ya ma bond Treasury:

✔ Ma voucha a ndalama

Kuti mupeze ma voucher anu, muyenera kupita ku mabanki kapena Caisse d'Épargne (ngati mwasankha kusunga ndalama).

Komabe, ndikwabwino kuti mugawane ndalamazo m'ma bond angapo ngati nthawi ina mungafunike kubweza zina mwa ndalamazo tsiku lomaliza lisanafike.

✔ Ma Bond okhala ndi chiwongola dzanja chokhazikika (BIP)

Chifukwa Treasury Bond ndi ngongole ku Public Treasury chidwi chimapita patsogolo. Le chiwongola dzanja zimasintha pakapita nthawi. Iyenera kulembetsedwa ku bungwe la Public Treasury. Titha kusiyanitsa mitundu itatu ya Treasury bond yomwe ili pano.

Ma Bond ophatikizidwa ku Treasury (OAT) nthawi yayitali kotero kuti nthawiyo imakhala pakati pa zaka khumi kapena makumi atatu.

Ndalama za Treasury zomwe mtengowo umakhazikika ndipo chidwi chake ndi pachaka (BTAN) ndi nthawi ya 2 kapena 5 zaka

Ndalama za Treasury zomwe mtengowo ndi wokhazikika komanso ndi chiwongola dzanja chowerengedwa (BTF) ndi nthawi yosakwana chaka chimodzi.

🌿 Njira zogwirira ntchito za Treasury Bond

Mukalembetsa ku Treasury Bond ndi Treasury Collections, kaya ku positi kapena m'mabungwe azachuma, mukukongoza ndalama ku boma.

Maboma (Maboma) amatulutsa zipembedzo zazikulu kwambiri Ndalama za Treasury. Otsatsa malonda ndi mabanki amaphwanya zipembedzo zazikuluzikuluzi ndikuzigulitsa kwa osunga ndalama osiyanasiyana.

Nkhani yoti muwerenge: zinsinsi zonse kuwina pa 1Xbet potsiriza zilipo 

Mukamagula treasury bill, mukuigula pamtengo wotsika kuposa mtengo wake. Mwanjira ina, mumagula pa mtengo wotsika kuposa zomwe mudzapeza mutabwezeredwa ndi boma.

Ndalama za Treasury nthawi zambiri zimaperekedwa pakukula komwe kumasiyanasiyana kuyambira mwezi umodzi mpaka kuchepera chaka chimodzi.

Mwachitsanzo

Tiyerekeze kuti mumagula ndalama za Treasury kwa a mtengo wa 1000 € ndi kupeza €1 ikatha, chaka chimodzi pambuyo pake.

Kubweza komwe mupeza kumafanana ndi kuchuluka kwa ndalama zomwe munagulitsa koyamba, m'fanizo lathu, ingakhale 2,5% (€25 pa €1000).

Ngakhale ndalama zanu mu Treasury bills ndi phindu lalikulu, kuchokera pamalingaliro amisonkho, amafanana ndi a chiwongola dzanja, chifukwa chake zomwe zimaperekedwa msonkho 100% kutalika.

🌿 Treasury bond zokolola

Ambiri, kubwerera anapereka zomangira chuma ndi otsika kwambiri kwa ndalama zomwe zaperekedwa kwa nthawi yayitali.

Komabe, iyi ndi ndalama yabwino kwa opulumutsa omwe sangafune kuyika ndalama zawo pamapulojekiti owopsa.

Nkhani yoti muwerenge: Momwe mungakhazikitsire ndalama zothandizirana?

Ngati mukuganiza kuti bondi kapena msika wamasheya udzagwa tsiku lina, ndalama za Treasury ndi malo otetezeka kuti ndalama zanu zikhale zotetezeka kwakanthawi.

Nkhani yoti muwerenge: Kodi chizindikiro cholembetsedwa ndi chiyani ?

Otsatsa ndalama omwe ali ndi ndalama zokwanira amasankha ndalama zawo kusungitsa chuma m'malo mosiya ndalama zawo kubanki, chifukwa ma depositi muakaunti yaku banki amangolandiridwa pamtengo wamtengo wapatali. 100 000 $ kupita ku USA.

Choncho, zomangira chuma ndi otchuka kwambiri masiku ano. Iwo amapanga a kuyika bwino kwambiri, makamaka pamene tsiku lawo lomalizira lili Miyezi 3 kapena kuchepera.

Ngati mukufuna kupeza ndalama zanu tsiku lakukhwima lisanafike, mutha kukhala ndi mwayi wogulitsa ma bond anu a Treasury pamsika wotseguka kudzera kwa broker.

🌿 Kutseka

Chuma chabwino chimapanga a njira yotetezeka kwambiri komanso yotetezeka kukulolani kuti mupange ndalama zanu.

Le chiopsezo ndi chochepa poyerekeza ndi ndalama zina. Chifukwa chake ngati mukuyang'ana njira yopezera ndalama zanu mosakayika, ndiye kuti yikani ndalama ku Treasury bond.

🌿 Mafunso Ofunsidwa Kawirikawiri

✔ Kodi ndizowopsa kugula zitetezo?

Mosiyana ndi mabizinesi opangidwa m'mabanki kapena m'misika yosiyanasiyana, kuyika ndalama m'ma treasury bond sikubweretsa chiwopsezo.

Nkhani yoti muwerenge: Kodi kubwereketsa ndi chiyani? ?

Dzitsimikizireni nokha za ndalama izi, ndi izi, kwa a nthawi yosachepera miyezi itatu, ndiye kuti ndalama zanu zidzakhala zotsimikizika ndipo mudzazilandira ndi chiwongoladzanja, chifukwa mtengo wamtengo wapatali, womwe mumagula chikole, nthawi zonse umakhala wotsika kuposa mtengo wobwezera boma.

✔ Kodi pali kusiyana kotani pakati pa ma bond omwe amaperekedwa ndi anthu onse ndi omwe amaperekedwa pamsika wogulitsa?

Pankhani yachitetezo choperekedwa mu kupereka kwa anthu posungira, gulu lopangidwa ndi kasamalidwe ndi kasamalidwe kampani limasamalira kuyika kwa zitetezo pafupi ndi osunga ndalama ndi anthu.

Nkhani yoti muwerenge: Momwe mungapangire akaunti ya BetOnline?

Pazinthu zotetezedwa zomwe zimaperekedwa pamsika, kulembetsa kwa bondi kumaperekedwa kwa mabungwe angongole komanso osunga ndalama m'madera omwe ali ndi akaunti yolipira m'mabuku a banki yayikulu.

✔ Chifukwa chiyani mtengo wazinthu zotetezedwa ndi wosiyana ndi ndalama zomwe zatsala?

Patsiku zotetezedwa zimaperekedwa, ndalama zomwe zatsala zimafanana ndi ndalama zomwe zaperekedwa. Koma panthawi yachitetezo, zochitika zina zidzasintha mtengo wapamwamba wa chitetezo.

Mwachitsanzo kuwomboledwa kwa zitetezo ndi boma kapena ngakhale malipiro a magawo a ndalama, motsatira zonse za kubwezeredwa kwa zotetezedwa zomwe zikufunsidwa.