He aha nā waihona kālā a kaʻAha Moku'āina a me pehea eʻauhauʻia ai lākou?
Eʻike i keʻano o nā kālā pilikino aupuni e hana a me ke kumu a me ke kumu e hiki ai iāʻoe ke pōmaikaʻi ma o ka hoʻokomoʻana i kēiaʻano o ke kālā kālā.
He aha nā waihona kālā a kaʻaha aupuni?
ʻO nā hōʻai'ē ka hōʻai'ē e hāʻawiʻia e nā hui, e like me nā hui a iʻole nā aupuni. Ua kapaʻiaʻo "Munis," nāʻahahui aupuni e paʻa i nā palapala i hāʻawiʻia e nā aupuni o ke aupuni a iʻole nā hui.
Hoʻohālike i nā kūlanakauhale, nā moku'āina, a me nā pono aupuni. ʻO nā aie e hoʻohanaʻia ana e hoʻonui i ke kālā e uku i ke kūkuluʻana i nā kula, nā pā hale, nā alanui, a me nā hana'ē aʻe no ka lehulehu. ʻO nā kālā pilikino o kaʻaha kālā,ʻo ia ke kālā kālā likeʻole e hoʻokomo ai i nā'eneka aupuni
Pehea e hoʻolimalimaʻia ai nā kālā kālā o kaʻaha aupuni?
ʻO nā kālā pilikino o kaʻaha kālā e hoʻolako i nā mea kālā me ka uku hoʻopaneʻe i loaʻaʻole i kaʻauhau kālāʻauhau. Hiki paha ke hoʻokuʻuʻia kēia kālā mai kaʻauhau aupuni a me ka'āina no nā mea waiwai e noho ana ma ka moku e hoʻopuka ana. ʻO ka laikini o New York City, no ka laʻana, he ukuʻole-ukuʻole,ʻo ia hoʻi he mea hiki ke hoʻokuʻuʻia mai nā'enelekela, moku'āina, a me nāʻauhau o ka'āina inā ola ka mea waiwai a uku i nāʻauhau ma New York City. No kēia kumu, ua kapa pinepineʻia nāʻaukā paʻa aupuni e like me "nāʻauhauʻauhauʻole" a iʻole nā "ʻauhauʻauhau".
ʻO wai ka mea e pono e hōʻai'ē i nā kālā hoʻokomo'āina a me ke kumu?
ʻO nā mea kālā e pono e hoʻohana i nāʻauhau paʻa o kaʻahahui nui,ʻo ka poʻe makemake lākou e loaʻa nā hua iʻoi aku ka nui ma mua o kaʻike kālā kālā a inā paha i nāʻauhauʻauhau kiʻekiʻe.
ʻO nā mea i loaʻa i nā loiloi aupuni ma keʻano haʻahaʻa e like me nā mea i hāʻawiʻia e kaʻahahui. Eia naʻe, hiki i nā pāʻoihoʻauhau o nā loina o ke aupuni ke kūkulu i nā mea i emi loa.
Akā peheaʻoe eʻike ai ināʻoi aku ka maikaʻi o nā kālā pilikino aupuni iāʻoe? ʻO ka pane i loko o ka mea i kapaʻia "ka huaʻai kālepa pili."
Eia kekahi laʻana,ʻo ka palapalaʻauhauʻauhau, e like me ka hui pilina, e uku ana i ka 5.00 pakeneka,ʻaʻole hiki ke nānā aku i ka mea kūʻai kālā e kūʻai i kahi pilikino pili aupuniʻole e uku i 4.00 pakeneka. No ka hoʻoholoʻana i kahi o ka hoʻopaʻa iʻoi aku ka maikaʻi, hiki i ka mea kālā kālā ke helu i ka huahuaʻauhauʻauhau. ʻO ka huaʻaiʻo kaʻauhauʻauhau e like me ka uku o kaʻauhau mua e hoʻopaʻiʻia e kaʻauhauʻauhau i mea e kūlike ai i ka palapala no ka laweʻana i nā palapala āpau. ʻO ka heluʻana,ʻo ka palapala kīnā o kaʻahahuiʻauhauʻole i puʻunaueʻia e ka hoʻokahi, me ka hapa nui o kaʻauhauʻauhau. Eia ka helu no kahi mea kālā kālā i kaʻauhauʻauhau 35 pakeneka, no kaʻikeʻana i kekahi palapala aupuni e uku ana i ka 4.00 pakeneka:
'Aʻawiʻia ke kaulike = .04 / (1 - .35) = 6.15 pakeneka
Ke hōʻike nei kēia helu i kaʻauhau kālā i mālamaʻia ma o ka hoʻohanaʻana i ka pilikino paʻaʻole o kaʻaha kaulike e like me (like me) kahi ukuʻauhau i loaʻa he 6.15 pakeneka. No laila, he mea naʻauao ka mea mālama waiwai e hoʻohana i ka paʻa o ke aupuni a iʻole kaʻaina aupuni ma kahi o kaʻahahui pili kālā.
E nānā hoʻi:
He aha ka mea likeʻole ma waena o nā Bonds a me nā Bond Mutual Funds?
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Ka Hoʻohaha:ʻO kaʻike ma kēia pūnaewele ua hoʻolakoʻia no ke kūkākūkāʻana wale nō, aʻaʻole pono e kuhiʻia e like me ka'ōlelo aʻo kālā. ʻAʻohe kumu e hōʻikeʻia kēiaʻikepili i manaʻo e kūʻai a kūʻai aku i nā palekana.