Yintoni omawuyazi malunga namatyala kanondyebo

Iibhondi zikaNondyebo zizibambiso zamatyala ezikhutshwe nguRhulumente. Ngokuqhelekileyo bakwimo yamanqaku, abathi emva koko bavumele inzala ukuba ihlawulwe kwaye ukuba ibuyiselwe ekukhuleni kwayo. Unethuba lokuthenga iibhondi ze-treasury ngabantu ngabanye (enkosi kwifomula) okanye ibhanki okanye amaziko emali awahlukeneyo (isatifiketi sikanondyebo okanye iivawutsha zeakhawunti ekhoyo ngoku).

Ukuthengiswa nokuthengwa kweebhili ze-treasury, ezenziwe ngokukodwa yi-central bank, yenye yeendlela eziphambili zokulawula ubunzima bemali ekhoyo kwimarike yemali.

Kwinqaku lethu langoku, ndikuxelela yonke into malunga neebhondi ze-treasury. Kodwa ngaphambi kokuba siqale, nantsi indlela Ukutyala imali kwi-real estate step by step. Masihambe !!

🌿 Iimpawu zeebhondi ze-treasury

I-treasury bond nganye ineempawu ezikhethekileyo:

✔ Ixabiso lomba webhondi

Eli lixabiso ekufuneka umrhumi ngamnye alihlawule xa ivawutsha ikhutshiwe. Ibalwa ngokwexabiso eliye lamiselwa ekupheleni kokubekwa kwi-stock market.

✔ Inzala ekufuneka ihlawulwe

Sithetha apha ngengeniso yebhondi. Inzala kufuneka ihlawulwe kumntu otyalwayo ngomhla obekwe kwangaphambili. Ingeniso ehlawulwayo ibizwa ngokuba " coupon ". Ifunyanwa ngokufaka isicelo izinga lenzala kwixabiso legama levawutsha.

umzekelo : i-treasury bill eyakhutshwa nge-12 kaJuni, enexabiso lobuso 1€, ukuba kufuneka uhlawule 3% yekhuphoni yonyaka. Umtyali-mali othenge nge 500.000€ Ixabiso lemali liya kwabelwa rhoqo nge-12 kaJuni kulo lonke ixesha lemali-mboleko, 500.000 × 3% = 15.000 € zomdla.

✔ Ixabiso lembuyekezo

Ixabiso lentlawulelo ye-treasury bond yi " umgangatho wobuso enokuthi ngokubanzi yohluke kwixabiso layo lokufumana, kwaye oku kuthathela ingqalelo indlela yayo yokubekwa ngeefandesi.

Inqaku eliza kufundwa: Yintoni iingxowa-mali ezihlangeneyo ?

Ukuhlawulwa kwebhondi kwenzeka ngomhla omiselweyo wemali-mboleko. Kukho amathuba okuba ukukhululwa kwevawutsha kucelwe phambi kokuphelelwa kwayo, kodwa kuya kufuneka kube kunye ubuncinane iinyanga ezi-3 emva kokuba ibhalisiwe.

🌿 Iindidi ze-Treasury Bonds

Namhlanje sinokuthi kukho iindidi ezimbini zeebhondi ze-treasury:

✔ Iivawutsha zemali

Ukufumana iivawutsha zakho, kuya kufuneka ngqo kwiibhanki okanye iCaisse d'Épargne (ukuba ukhetha ibhondi yokonga).

Nangona kunjalo, kuyinzuzo kuwe ukwahlula utyalo-mali olwahlukileyo lube ziibhondi ezininzi kwimeko apho kufuneka ubuyise inxalenye yemali phambi komhla obekiweyo.

✔ Iibhondi ezinomdla oqhubekayo (BIP)

Njengoko i-treasury bond ilityala kuNondyebo kaRhulumente ngoko umdla uyaqhubeleka. le umgangatho wenzala iyaguquka ngokuhamba kwexesha. Kufuneka ibhaliswe kuphela kwi-arhente kaNondyebo kaRhulumente. Sinokwahlula iindlela ezintathu ze-Treasury bonds ngoku.

Iibhondi ezidityanisiweyo kuNondyebo (OAT) ixesha elide ngoko ke ixesha liphakathi kweminyaka elishumi okanye engamashumi amathathu.

Amatyala kaNondyebo apho ireyithi imisiwe kwaye inzala yayo inyaka (BTAN) kunye nexesha le 2 okanye 5 iminyaka

Amatyala kaNondyebo apho ireyithi ilungisiwe kunye nenzala ebalwe kwangaphambili (BTF) kunye nexesha elingaphantsi konyaka omnye.

🌿 Iindlela zokusebenza zeebhondi ze-treasury

Xa ubhalisela iibhondi ze-treasury kunye nengqokelela ye-treasury, nokuba kukwi-ofisi yeposi okanye kumaziko emali, uyaboleka imali kurhulumente.

Oorhulumente (Amazwe) bayakhupha iimvaba ezinkulu kakhulu Amatyala kaNondyebo. Abarhwebi bee-securities kunye neebhanki baqhekeza la mahlelo amakhulu kwaye emva koko bazithengisele abo bahlukeneyo.

Inqaku eliza kufundwa: Zonke iimfihlo zokuphumelela kwi-1Xbet ekugqibeleni ziyafumaneka 

Xa uthenga i-treasury bill, uyithenga ngexabiso elingaphantsi kunexabiso layo. Ngamanye amazwi, uthenga kuyo ixabiso eliphantsi kunento oya kuyifumana xa ubuyiselwa ngurhulumente.

Iibhili ze-Treasury zinikezelwa ngokubanzi ekukhuleni okungafaniyo ukusuka kwinyanga enye ukuya ngaphantsi kancinane kunonyaka omnye.

umzekelo

Masithi uthengela i-treasury bill nge ixabiso le-1000 € kwaye ufumane ezinye €1 xa iphelelwa, kunyaka kamva.

Imbuyekezo oya kuyifumana ihambelana nepesenti yotyalo-mali lwakho lokuqala, kumzekeliso wethu, iya kuba yi-2,5% (€ 25 kwi-€ 1000).

Nokuba utyalo-mali lwakho kwi-Treasury bills inzuzo enkulu, ngokwembono yerhafu, ithelekiseka ne-a ingeniso yenzala, ke ngoko erhafiswa kwi 100% ukuphakama.

🌿 Isivuno se-Treasury bond

Ngokubanzi, imbuyekezo enikezelwa ngu i-treasury bonds iphantsi kakhulu kuleyo yotyalo-mali olwenziwe kwixesha elide.

Nangona kunjalo, olu lutyalo-mali olufanelekileyo lomlondolozi ongathandi ukubeka imali yakhe kwiiprojekthi ezinobungozi.

Inqaku eliza kufundwa: Utyalo-mali njani kwiimali ezifanayo?

Ukuba ucinga ukuba i-bond okanye i-stock market iya kuphazamiseka ngenye imini, amatyala e-treasury yindawo ekhuselekileyo yokugcina imali yakho ikhuselekile ixeshana elincinci.

Inqaku eliza kufundwa: Yintoni uphawu lwentengiso olubhalisiweyo ?

Abatyali-mali abanemali eninzi abanayo benza ukhetho lwabo lotyalo-mali kwityala likanondyebo endaweni yokushiya imali yabo ebhankini, njengoko iidiphozithi ezikwiiakhawunti zebhanki zamkelwe kuphela ngexabiso lemali. 100 000 $ Ukuya e-USA.

Ke, iibhondi ze-treasury zidume kakhulu kule mihla. Zenza a eyona ndawo ikhuselekileyo, ngakumbi xa umhla wabo ubekiwe Iinyanga ezi-3 okanye ngaphantsi.

Ukuba ubufuna ukufumana imali yakho phambi komhla wokuphelelwa, ubuyakuhlala unenketho yokuthengisa iibhondi ze-Treasury kwimarike evulekileyo usebenzisa i-broker.

🌿 Ukuvala

Ubuncwane obulungileyo bubandakanya a indlela ekhuselekileyo nekhuselekileyo ikuvumela ukuba wenze utyalo-mali lwakho.

Le umngcipheko usezantsi kakhulu xa kuthelekiswa nolunye utyalo-mali. Ke ukuba ujonge indlela yokukhusela imali yakho ngaphandle kwamathandabuzo, ke utyala imali kwi-treasury bonds.

🌿 Imibuzo Ebuzwa Rhoqo

✔ Ngaba kuyingozi ukuthenga izibambiso?

Ngokungafaniyo notyalo-mali olwenziwa kwiibhanki okanye kwiimarike zezabelo ezahlukeneyo, ukutyala imali kwiibhondi ze-treasury akukho mngcipheko.

Inqaku eliza kufundwa: Yintoni ukuqeshisa? ?

Ziqinisekise ngolu tyalo-mali, kwaye oku, ukwenzela a ubude beenyanga ezi-3 ubuncinane, ngoko ingeniso yakho iya kuqiniseka kwaye uya kuyifumana kunye nenzala, kuba ixabiso elibizayo, apho uthenga khona ibhondi, lihlala liphantsi kunexabiso lembuyekezo yelizwe.

✔ Uthini umahluko phakathi kweebhondi ezikhutshwe nguwonke-wonke kunye nezo zikhutshwe kwimarike yefandesi?

Ngokuphathelele kwizibambiso ezikhutshwe kwi unikezelo lukawonke-wonke lokonga, i-syndicate eyenziwe yinkampani yolawulo kunye neyongenelelo ikhathalela ukubekwa kwezibambiso kufutshane nabatyali-zimali kunye noluntu.

Inqaku eliza kufundwa: Uyenza njani iakhawunti yeBetOnline?

Kwizibambiso ezikhutshwe kwifandesi, okuphambili kokubhaliselwa kwiibhondi kunikwa amaziko ekhredithi kunye nabatyali-mali bengingqi abane-akhawunti yokuhlawulela kwiincwadi zebhanki jikelele.

✔ Kutheni ixabiso lomba lwezibambiso lahlukile kwisixa esingekahlawulwa?

Ngosuku lokukhutshwa kwezibambiso, imali engekahlawulwa iyafana nesixa esikhutshiweyo. Kodwa ngexesha lobomi bokhuseleko, iziganeko ezithile ziya kuguqula ixabiso elibalaseleyo lokhuseleko.

umzekelo ukuthengwa kwakhona kwezibambiso ngurhulumente okanye iintlawulo zezahlulo zemali eyinkunzi, ngokulandela yonke imiqathango yokubuyiselwa kwezibambiso ezichaphazelekayo.