Iindleko zeTyala eliPhambili liyimfuneko kwi-ishishini
Amatyala yinye icandelo lenkxaso-mali yenkampani yenkampani kwaye ngokuqhelekileyo ifom ephantsi kakhulu yokuxhasa imali.
Ngoko ke, kubalulekile ukuba abanini-shishini baqonde ukubala iindleko zemali-mboleko, yindleko yemali ibhizinisi liphakamisa ngokuthatha imali mboleko.
Iinkampani zihlala zizama ukusebenzisa imali eninzi njengokuba kunokwenzeka, kuba ityala lithengiswa ngokuthelekiswa nezinye iifom zezimali.
Iyini Indleko Ejongene Namatyala?
Iindleko zetyala ngokuqhelekileyo zisekelwe kwiindleko zeebhanki zenkampani. Iibhondi zetyala lexesha elide leenkampani kwaye ziyi-mboleko yexesha elide le nkampani. Iindleko zeebhanki ezitshatswayo zona lizinga elifanelekileyo lokusetyenziswa xa kunokwenzeka xa kubalwa iindleko zetyala.
Ukuba inkampani ayinayo iimbophe ezithengiswa esidlangalaleni, umnini-shishini unokujonga iindleko zetyala lezinye iifemu kwi-shishini elinye ukwenzela ukuba afumane ingcamango yento ehlawulwa ngayo ityala kwi shishini lakhe.
Indlela yokubala iindleko zeTyala eliPhambili
Iindleko zemali-mali ayikho nje iindleko zeebhanki zenkampani.
Ekubeni inzala ityala lichithwa yerhafu, kufuneka ukwandise inani lekhuphoni kwiibhanki zenkampani ngoku (1 - kwentlawulo yentlawulo) ukulungelelanisa oku oku:
Ixabiso lentela emva kweTyala leNkunzi = Inani leNqununu kwiBond (ireyithi yentlawulo ye-1)
Ngokomzekelo, ishishini eliboleka i-$ 50,000 kwi-pesenti ye-5 kwaye lihlawula iipesenti ezingama-40 ezidibeneyo kunye nereyithi yentlawulo yombuso ziya kuhlawula umyinge we-$ 2,500 ngonyaka.
I-shishini liza kukhangela inzala kwiirhafu, eziza kulondoloza i-$ 1,000, zenze iindleko zee-50,000 zama-$ 000 kwiingxowa-mali eziyi-1,500 ngonyaka, okanye iipesenti ezi-3 (i-1,500 iindleko zemali ebolekwe yimali mboleko ye-$ 50,000).
Iindleko zokuhlawula okanye iindleko zokubhala phantsi kwetyala aziqwalaselwanga kubalo, kuba ezo ndleko zinyaniseki xa kuziwa kwetyala.
Ngokuqhelekileyo wenze oku kubalwa kubandakanywa nomyinge wakho werhafu kuba inzala ithathwe intela. Nangona kunjalo, kunokwenzeka (kwaye ngamanye amaxesha luncedo) ukubala iindleko zakho zangaphambili zerhafu yerhafu. Olu lingano luselula:
Intlawulo engaphambi kweNtlawulo yeTyala leNkunzi = I-Coupon Rate kwiBonds
Ukuba inkampani yakho ibonwa njengobungozi obunobungozi, kuya kuba neendleko eziphezulu zetyala, kuba indleko yemali ebantwini ibonisa inqanaba lomngcipheko. Ukuboleka imali eninzi kunokunyusa iindleko zakho zetyala eliyinkunzi ngenxa yokuba liphakamisa inqanaba lomngcipheko.
Ukusebenzisa amatyala okanye ezinye iindlela zokuphakamisa iNkunzi
Ukuxhaswa kwemali-mboleko kudla ukuba yinto ekhethiweyo yokuphakamisa inkunzi kumashishini amaninzi. Nangona kunjalo, kukho ngokucacileyo ezinye iindlela zokuphakamisa inkunzi. Ezinye iindlela ezikhoyo zokuxhaswa kwemali kunye neengxenye zesakhiwo esikhulu senkampani zikhethiweyo zigcinwe, i-earnings retained , kunye ne-stock efanayo.
Ukuba ukhangele ukwandisa ishishini lakho, ukukhulisa imali kubalulekile. Ukwenza ngokuhlakanipha, kwaye ngendlela ephantsi kakhulu, unokunceda ibhizinisi lakho 'amathuba okuphumelela.