Chii chekuziva nezve mabhondi senzira yekupa mari

Paunenge uchida mari, unoenda kumasangano ezvemari kunokumbira chikwereti. Kana mabhizinesi kana masangano ehurumende achida mari yakawanda, vanoburitsa ma bond.

Chinhu chekutanga chinouya mupfungwa kana tichitaura nezvekudyara imusika wemasheya. Ichokwadi kuti nyika ye equities inonakidza. Kufamba kwemisika kunoburitswa mumapepanhau neterevhizheni.

Bonds, kune rumwe rutivi, havana seksikäs. Iyo jargon yakatenderedza rudzi urwu rwechigadzirwa chemari inogona kuita seyakajeka kune vasina kudzidza. Mukuwedzera, zvisungo zvakawanda "cushy”, kunyanya panguva yemusika wemombe, pavanenge vachiita sevanopa kudzoka kusingakoshi kana zvichienzaniswa neakaenzana.

Muchikamu chino, tichakuzivisa kuti chii chinonzi bond uye kuti iwe unogona sei kutora mukana wacho. Asi tisati tatanga, hezvino Akaita mari pasocial network yake?

Handeyi !!

🚀 Chii chinonzi bond?

Bond imari yechikwereti inopihwa nemasangano (kambani, dunhu kana nyika).

Kana imwe yemasangano aya (Nyika, nharaunda kana kambani) ichida mari, mari dzavanoda kuva nazvo dzinogona kuda kuvepo kwevakweretesi vakati wandei.

Nekutenga bhondi, unogona kuva mumwe wevakweretesi, nemamwe mazwi, nekutora chikamu mukutenga chikamu chechikwereti.

Nyaya yekuverenga: Tekinoroji uye zvishandiso zvekuvandudza bhizinesi manejimendi

Pakukura, kuwedzera kumari ichabhadharwa kwauri, ane chikwereti nguva nenguva anobvuma kukubhadhara (gore rega rega, mwedzi mitanhatu yega yega, chikamu chimwe nechimwe kana mwedzi wega wega) zvichibva pamubereko wawakatara.

🚀 Muenzaniso wekudyara kwebhondi

Sangano rinoshuvira kuwana chikwereti chemamiriyoni gumi emaeuro. Anosarudza kushandisa chikwereti chebhondi nemutengo wakatarwa.

Tichifunga kuti mari yacho yakakura, anogovanisa chikwereti ichi kuita zviuru gumi zvemadhora gumi ega ega. Zvakadaro, chero bond inopihwa inodhura zviuru gumi £. Zvadaro, inoisa mubereko pa5% pamusoro pehupenyu hwechikwereti chemakore gumi.

Nyaya yekuverenga: Maitiro ekugadzirisa nguva yakakwana

Kana iwe uchida chimwe chezvisungo zvake, saka une sarudzo yekutora imwe.

Saka kana mubairo uchiitwa gore rega rega, iwe unogashira £500 gore rega rega kwemakore gumi. Mugore regumi, mukwereti achadzosera iwe £ 10 yakawedzerwa kune yako yekutanga £ 500. Naizvozvo unenge uine mari ye £5000 pamwero pamakore gumi (£10).

🚀 Mhando dzemabhondi

Kune akati wandei marudzi emabhondi anogona kusiyaniswa zvichienderana nehupenyu hwehupenyu kana zvinoenderana nemamiriro ekubhadhara coupon:

Zvisungo zvine chiyero chakatarwa

Muchiitiko ichi, nguva yenguva, yekubhadhara kwechibereko pamwe chete neyekuponi inogadziriswa panguva yekubudiswa kwechisungo ichi. Mubairo pane chinosungirwa saka nguva dzose nekufamba kwenguva muripo wekukura.

Zvisungo zvine chiyero chakasiyana

Pano, huwandu hwecouponi huchaenderana nekushanduka kwemutengo wemusika (senge interbank rate senge Euribor) iyo inowedzerwa chiyero chakatarwa.

Iwe unofanirwa kuyeuka kuti kufamba kwehuwandu hwemusika kunosiyana zvichienderana nekanguva kamwechete.

Zvisungo ne zero coupon

Muhupenyu hwose hwechisungo, rudzi urwu rwechisungo harubudisi couponi.

Single Coupon Bonds

Mari yecouponi mune iyi kesi inotsigirwa zvizere uye inobhadharwa zvakananga pakukura kwebhondi iyi.

Bond iwe unogona kushandura mumasheya

Pano, mabhondi aunotenga anogona kuchinjaniswa kune zvikamu mukambani inobudisa zvichienderana nemitemo yakapiwa apo bhondi yakabudiswa.

🚀 Bond Vocabulary

Panyaya yekusungirwa, mazwi chaiwo anoshandiswa:

• The transmitter. Iri isangano kana kambani inotengesa mabhondi.
• kukosha kwechiso. ndiwo mutengo wekubhadhara kuti uwane chibvumirano.
• Chibereko ; uyu ndiwo muyero wakatarwa neanopa.
• Deadline ; iyi ndiyo nguva yechikwereti.
• The coupon; iyi ndiyo mhindu inobhadharwa nemukwereti. Iri izwi rinouya nechikonzero chekuti zvitupa zvebhondi dzimwe nguva zvine chekuita nemakuponi anobatika ayo vanoisa mari vanofanira kukanda mapfumo pasi vachichinjana mubereko. Nhasi, zvitupa zvakachengetwa murejista yemagetsi.

🚀 The actuarial rate yebond

Iyi chiyero inoita kuti zvikwanise kuenzanisa purofiti yezvisungo. Semuenzaniso, chisungo cheumwe 5 makore temu uye inopa a 8% coupon haina kunyanya kubatsira kupfuura imwe yemakore mashanu inogara iine couponi ye5%.

Chinyorwa chekuverenga: Zvinetso nemikana muchikamu chekushambadzira

Saka, iyo 8% bond inogona kudhura uye inopa zvishoma actuarial kudzoka. Kana iyo 8% bond quotes 115%, ichava negoho rekukura kwe4.575% gore rega rega.

Izvi zvinoenderana nekuita mukati memakore mashanu ekudyara nekudyara kwekutanga kwe5 euros, iyo inokupa iwe 115 euros pagore uye izvi kwemakore mashanu uye inodzosera iwe 8 euros pakupera.

Kune rimwe divi, kana 5% bond inotora 99%, ichava negoho rekukura kwe502%. Saka zvinonyanya kunakidza kuisa mari 99 euros kuitira kuti ugamuchire 5 euros gore rega rega kwemakore gumi nematatu uye uwane 100 euros pakukura.

Nekuda kweiyo actuarial rate ye bond, unogona kuenzanisa kukosha kwayo kwegoho kune mamwe ma investments.

🔰 Mabhenefiti ebhondi

Vanhu vazhinji vanoshamisika kuti sei vachifanira kuisa mari muzvisungo pane mimwe mikana.

Chinyorwa chekuverenga: Mutengi kugutsikana kweongororo nzira

Tiri kuzokuratidza mamwe mabhenefiti ekudyara mumabhondi.

• Muzvisungo, kune chikamu chikuru, rudzi urwu rwemari haipe kusava nechokwadi (mari, zuva rekubhadhara mari uye mari yepakati).
• Nezvisungo, une sarudzo kuwana mari yakawanda kune avo vanopihwa nekudyara kwenguva pfupi, uye izvi, zvine mwero wakaderera wengozi pane izvo zvinounzwa neinvestment investments. Mubairo uyu unoyevedza, chiyero cheanopa chakaderera.
• Mabhondi anopa akasiyana-siyana ekutsvaga mari-vanoisa mari nemukana wekukurumidza zvinokwezva zvinodzoka.
• Kuisa mari mumabhondi, zvikuru mabhondi ehurumende yeOECD, anogoneka nemari shoma uye anowanikwa nemunhu wese.
• Pamusoro pekuti mari inowanikwa nguva dzose, mabhondi ane mukana wekuburitsa mari kana mitengo yemusika yadzikira pane yebond inobatwa.
• Kusiyana nekudyara, mabhondi anowanzo taurirana pamusika wechipiri chero nguva zvichienderana nekuwanikwa kwemari.

🔰 Njodzi dzekutenga bond

Kuisa mari mumabhondi kune ngozi shoma pane kuisa mari mumusika wemari.

Asi kutenga mabhondi hakusi kusina kukanganisa, zvisinei zvinosanganisira dzimwe njodzi dzaunofanira kuziva:

• Kukwira kwemubereko : kana mubereko unowedzera, izvi zvinokonzeresa zvakananga kukosha kwezvisungo kudonha. Nguva dzose hazvikurudzirwe kutengesa mabhondi ako kana mubereko uchikwira.
• Inflation : zvinogona kuitika kuti izvi zvinodarika bond goho saka chiyero chinogadziriswa. Panguva iyoyo, ani nani anozvibata anorasikirwa.
• Insolvency yeanopa : zvinogona kuitika kuti kambani yakazvimiririra iyo yakapa mabhondi inozviona iri mumamiriro ezvinhu apo isingakwanise kukudza kubhadharwa kwemubereko uye kukwanisa kubhadhara mari yakafanira.
• Kudonha mumusika wemabhondi : avo vakabata zvisungo vachaona mari yavo nokukurumidza kurasikirwa kukosha. Panguva iyoyo, vachamanikidzwa kuzvitengesa pasina mari.

🔰 Bond investment solutions?

Tine nzira dzinoverengeka dzekuisa mari mumabhondi.

• Isai mari yemabond ; mumhando iyi yekudyara, iyo capital inovimbiswa uye inopa kugadzikana uye chengetedzo.
• Investments mumabhondi neETFs ; trackers kana ETFs inzira dzekuzviisa pamusika webhondi. Iyi inzira yakanaka, nekuti muna 2022 maETF akaverengera kupfuura 38% yemusika muEurope.
• Isa mari yakananga mumabhondi ; ndiyo imwe yemhinduro isingasvikike, iyo isingasviki kune vatengesi vezvitoro, nekuti iwe uchafanirwa kufunga nezve mutengo webhondi uye chokwadi chekuti iwe unoda yakanyatso siyana portfolio.

🔰 Kuvhara

Wakanga uri mubvunzo kwatiri munyaya ino kuti tikuratidze kuti chii chinosungirwa, takataura nezvezvisungo zvakasiyana, mazwi ekushandisa pakushanda kwayo. Tinovimba kuti iwe unogona ikozvino kuita sarudzo yekuisa kana kusaisa mari mumabhondi.

🔰 Mibvunzo Inowanzo bvunzwa

Chii chinonzi chisungo?

Iwe unogona kuratidza chisungo nerudzi rwayo, sangano, kukosha kwechiso, mutengo, nguva, nzira yekuregererwa uye goho.

Ndeupi musiyano uripo pakati pe bond ne stock?

Bond chikamu chechikwereti chinoburitswa nenharaunda nyika kana kambani yakazvimirira, kune rumwe rutivi chikamu chikamu chemari mukambani.

Chii chiri donzo chairoiro rechisungo?

Ani nani anoburitsa mabhondi anogona kuashandisa nechinangwa chekukwereta mari kubva kumusika wemari. Avo vanotenga mabhondi vanobhadharwa nemubereko uye vanogashira nguva yakapihwa pakupihwa kwavo mari.

Chinyorwa chekuverenga: Maitiro ekubudirira mune digital prospecting?

Tapedza, tinovimba kuverenga chinyorwa ichi kwakavhura maziso ako kune ese grey nzvimbo kana zvasvika kune zvisungo.

Kana zvirizvo, ndapota tumira zvaunofunga kuti tione kuti tingavandudza sei kuti tikushumire zvirinani mune ramangwana.

Usakanganwa kugovana neshamwari dzako uye vaunoziva kuti ivo vagozobatsirwawo nazvo.