Okufanele ukwazi ngezikweletu ze-treasury

Amabhondi kaMgcinimafa yizibambiso zezikweletu ezikhishwe uMbuso. Ngokuvamile asesimweni samanothi, wona avumela inzalo ukuthi ikhokhiswe futhi ukuze ibuyiselwe ekuvuthweni. Unethuba lokuthenga amabhondi e-treasury ngokusebenzisa abantu ngabanye (ngiyabonga ngefomula) noma ibhange noma izikhungo zezimali ezehlukene (isitifiketi somgcinimafa noma amavawusha e-akhawunti amanje).

Ukudayiswa nokuthengwa kwezikweletu ze-treasury, ezenziwe ikakhulukazi yibhange elikhulu, kungenye yezindlela eziyinhloko zokulawula isisindo semali etholakalayo emakethe yemali.

Esihlokweni sethu samanje, ngikutshela konke mayelana nezibopho ze-treasury. Kodwa ngaphambi kokuba siqale, nansi indlela Ukutshala imali ku-real estate isinyathelo ngesinyathelo. Asambe !!

🌿 Izici ze-treasury bond

Ibhondi yengcebo ngayinye inezici eziqondile kakhulu:

✔️ Intengo yokukhishwa kwebhondi

Leli inani okumele obhalisile ngamunye alikhokhe uma ivawusha ikhishwa. Ibalwa ngokwenani elanqunywa ekupheleni kokubekwa emakethe yamasheya.

✔️ Inzalo okumele ikhokhwe

Lapha sikhuluma ngemali engenayo yebhondi. Inzalo kufanele ikhokhwe kumbolekisi ngosuku olunqunywe kusengaphambili. Imali engenayo ekhokhwayo ngokuvamile ibizwa ngokuthi " Isigqebhezana ". Itholakala ngokufaka isicelo isilinganiso senzalo kunani legama levawusha.

Ngokwesibonelo : umthethosivivinywa womgcinimafa owakhishwa ngoJuni 12, onenani elibonakalayo 1€, ukuthi kufanele ukhokhe a 3% isigqebhezana sonyaka. Umtshalizimali othenge nge 500.000€ yemalimboleko izokwabiwa njalo ngoJuni 12 wonyaka phakathi nesikhathi sokubolekwa imali, 500.000 × 3% = 15.000 € zezithakazelo.

✔️ Inani lembuyiselo

Intengo yokuhlengwa yebhondi ye-treasury “ inani lobuso okungase kuhluke ngokujwayelekile enanini layo lokuthola, futhi lokhu kucabangela indlela yayo yokubeka ngezindali.

I-athikili okufanele ifundwe: Yiziphi mutual funds ?

Ukukhokhwa kwebhondi kwenzeka ngosuku olunqunyiwe lwemalimboleko. Kunamathuba okuthi ukusetshenziswa kwevawusha kucelwe ngaphambi kokuphelelwa yisikhathi, kodwa kuyodingeka kube ne okungenani izinyanga ezi-3 ngemva kokuba isibhalisiwe.

🌿 Izinhlobo ze-Treasury Bond

Namuhla singasho ukuthi kunezinhlobo ezimbili zamabhondi e-treasury:

✔️ Amavawusha emali

Ukuze uthole amavawusha akho, uzodinga ngqo emabhange noma i-Caisse d'Épargne (uma ukhetha ibhondi yokonga).

Kodwa-ke, kunenzuzo kuwe ukuthi uhlukanise ukutshalwa kwezimali okuhlukile kumabhondi amaningana uma kwenzeka udinga ukubuyisela ingxenye yezimali ngaphambi komnqamulajuqu omisiwe.

✔️ Amabhondi anentshisekelo eqhubekayo (BIP)

Ngakho-ke ibhondi yomgcinimafa iyisikweletu kuMgcinimafa woMphakathi isithakazelo siyathuthuka. the isilinganiso senzalo iyaguquguquka ngokuhamba kwesikhathi. Kufanele kubhaliswe kuphela ku-ejensi yoMgcinimafa Womphakathi. Singahlukanisa izinhlobo ezintathu zamabhondi kaMgcinimafa okwamanje.

Amabhondi afakwe kuMgcinimafa (OAT) isikhathi eside ngakho-ke isikhathi siphakathi kweminyaka eyishumi noma engamashumi amathathu.

Izikweletu zikaMgcinimafa zazo isilinganiso sinqunyiwe futhi inzalo yayo ingeyonyaka (BTAN) enobude besikhathi Iminyaka emi-2 noma emi-5

Izikweletu zikaMgcinimafa zazo isilinganiso silungisiwe futhi sinenzalo eyenziwe ngekhompyutha (BTF) nesikhathi esingaphansi konyaka owodwa.

🌿 Izindlela zokusebenza zamabhondi e-treasury

Uma ubhalisela amabhondi omgcinimafa kanye nokuqoqwa komgcinimafa, kungakhathaliseki ukuthi kuseposini noma ezikhungweni zezimali, uyaboleka imali kuhulumeni.

Ohulumeni (Amazwe) bayakhipha amahlelo amakhulu kakhulu Izikweletu zikaMgcinimafa. Abadayisi bezokuphepha kanye namabhange bahlakaza la mahlelo amakhulu bese bewadayisela abonga abahlukahlukene.

I-athikili okufanele ifundwe: Zonke izimfihlo ukunqoba 1Xbet ekugcineni kuyatholakala 

Uma uthenga i-treasury bill, uyithenga ngentengo ephansi kune-face value yayo. Ngamanye amazwi, uyithenga ku- intengo ephansi kunalokho ozokuthola uma usubuyiselwe nguhulumeni.

Izikweletu zikaMgcinimafa ngokuvamile zinikezwa ekuvuthweni okuhluka ukusuka enyangeni eyodwa kuya ngaphansi kancane konyaka owodwa.

Ngokwesibonelo

Ake sithi uthenga i-treasury bill for a inani le-1000 € futhi uthole okunye € 1 lapho iphelelwa yisikhathi, ngemva konyaka owodwa.

Imbuyiselo ozoyithola ihambisana namaphesenti otshalomali lwakho lokuqala, emfanekisweni wethu, kungaba ngu-2,5% (€25 ku-€1000).

Noma ngabe utshalomali lwakho kuzikweletu zikaMgcinimafa inzuzo enkulu, ngokombono wentela, iqathaniswa ne-a inzuzo enenzalo, ngakho-ke okukhokhiswa intela ku 100% ukuphakama.

🌿 Isivuno sebhondi ye-Treasury

Ngokuvamile, imbuyiselo enikezwa ngu izibopho zezimali ziphansi kakhulu kulokho okutshalwa kwezimali okwenziwe esikhathini eside.

Kodwa-ke, lolu wutshalomali olufanele lomlondolozi ongeke athande ukubeka imali yakhe kumaphrojekthi ayingozi.

I-athikili okufanele ifundwe: Ungatshala kanjani ku-mutual funds?

Uma ucabanga ukuthi ibhondi noma imakethe yamasheya izophahlazeka ngolunye usuku, izikweletu ze-treasury ziyindawo ephephile yokugcina imali yakho iphephile isikhashana.

I-athikili okufanele ifundwe: Luyini uphawu lokuhweba olubhalisiwe ?

Abatshalizimali abanemali eyanele abanayo benza ukukhetha kwabo ukutshala imali ezikweletini zomgcinimafa esikhundleni sokushiya imali yabo ebhange, njengoba amadiphozithi kuma-akhawunti asebhange amukelwa kuphela ngenani le- $ 100 000 eya e-USA.

Ngakho-ke, izibopho zengcebo zidume kakhulu kulezi zinsuku. Bakha a ukubekwa okuphephe kakhulu, ikakhulukazi uma umnqamulajuqu wabo ungowokugcina Izinyanga ezi-3 noma ngaphansi.

Uma ubufuna ukuthola imali yakho ngaphambi kosuku lokuvuthwa, ubungahlala unenketho yokuthengisa amabhondi akho kaMgcinimafa emakethe evulekile usebenzisa umdayisi.

🌿 Ukuvala

Amagugu amahle ahlanganisa a indlela ephephe kakhulu futhi evikelekile ikuvumela ukuthi wenze utshalomali lwakho.

Le ingozi iphansi impela uma kuqhathaniswa nezinye izimali. Ngakho-ke uma ufuna indlela yokuvikela imali yakho ngaphandle kokungabaza, tshala imali kumabhondi omgcinimafa.

🌿 Imibuzo Evame Ukubuzwa

✔️ Ingabe kuyingozi ukuthenga izibambiso?

Ngokungafani nokutshalwa kwezimali okwenziwa emabhange noma ezimakethe zamasheya ehlukahlukene, ukutshala imali kumabhondi e-treasury akubangeli ingozi.

Isihloko okufanele sifundwe: Kuyini ukuqashisa? ?

Ziqinisekise ngalokhu kutshalwa kwezimali, futhi lokhu, ukuze a ubude besikhathi obuncane bezinyanga ezi-3, khona-ke imali yakho engenayo izoba nesiqiniseko futhi uzoyithola nenzalo, ngoba inani elilinganiselwe, lelo othenga ngalo ibhondi, lihlala liphansi kunenani lembuyiselo yezwe.

✔️ Uyini umehluko phakathi kwamabhondi akhishwa umphakathi kanye nalawo akhishwa emakethe yendali?

Mayelana nezibambiso ezikhishwe ku umnikelo womphakathi wokonga, i-syndicate eyakhiwe inkampani yokuphatha neyokuxhumanisa inakekela ukubekwa kwezibambiso eduze kwabatshalizimali kanye nomphakathi.

Isihloko okufanele sifundwe: Uyenza kanjani i-akhawunti ye-BetOnline?

Ezibambiso ezikhishwe endalini, okubalulekile ekubhaliseni amabhondi kunikezwa izikhungo zezikweletu kanye nabatshalizimali besifunda abane-akhawunti yokukhokha ezincwadini zebhange elivamile.

✔️ Kungani intengo yokukhishwa kwezibambiso ihlukile enanini elisele?

Ngosuku izibambiso ezikhishwa ngalo, imali esele iyafana nenani elikhishiwe. Kodwa ngesikhathi sokuphila kokuvikeleka, izehlakalo ezithile zizoshintsha inani elivelele lesivikelo.

Isibonelo ukuthengwa kabusha kwezibambiso ngumbuso noma izinkokhelo zezingxenye zekhephithali, okulandela yonke imigomo yembuyiselo yezibambiso okukhulunywa ngazo.