Hāʻawiʻia nā Waihona Bond Boundaries a me ka'Aʻawi Kula
No laila, no ke ahaʻoe e makemake ai e kūʻai i kahi kālepa pili aupuni inā hiki iāʻoe ke kūʻai i kahi kālā'ē aʻe iʻoi aku ka kiʻekiʻe?
He aha nā waihona kālā a kaʻaha aupuni?
Mālama nāʻaukā paʻa kālā i nāʻaha i hāʻawiʻia e nā moku'āina a me nā moku'āina o ka moku (a me nā mea pili'ē aʻe).
Kūʻai kūʻaiʻia nā kālā o kaʻaha kālā no ka ukuʻauhau maikaʻi i hāʻawiʻia i nāʻaina aupuni a me nā pono pilikino o kahi'āpana kālā . Akā peheaʻoe e hoʻoholo ai inā he maikaʻi ke kākoʻo o ka waihona kālā aupuni e hoʻohālikelikeʻia i kahi waihona kālāʻauhau? ʻO nā mea'ē aʻe a pau,ʻo ka pane i loko o ka huahelu pili kālā.
Ka Lāhui Kū'ē Loaʻa o nāʻAle Waihona
ʻO ka mea maʻamau,ʻo ka waiwai i loaʻa i loko o nāʻauhau paʻa aupuni eʻauhauʻoleʻia ma ka pā aupuni. Inā loaʻa ka waihona i nā palapala'āina i hāʻawiʻia ma ka home home of the investor, ponoʻole ka ukuʻia o kēia uku i ka moku'āina.
Ma muli o keʻano o kaʻauhauʻole o nāʻaina o ke aupuni, hiki i ka mea hoʻopuka (i kēia mau lālā) ke hāʻawi aku i nā mea emi loa ma mua o kaʻauhauʻauhau (e like me nāʻahahui pili, nā US Treasury pūnaewele ) me nāʻano like (ʻo ia hoʻi, ke hāpai mau nei i nā mea hoʻolale kālā.
ʻO ka helu wikiwikiʻana i ka huahuaʻauhauʻauhau e kōkua i ka mea hoʻoholo kālā e hoʻoholo inā he mau mea pono lākou no kahi kālā kālepa aupuni.
ʻO ka hoʻoliloʻana i kaʻauhau kālā o nāʻAha Moku'āina
Me keʻano o ke kūlana kūʻokoʻa a me ka hōʻailona like, e makemake aneiʻoe e kūʻai i kahi palapalaʻauhau e uku ana i 5% a iʻole kahiʻahahui aupuniʻole e uku i 4%? ʻO kahiʻoluʻolu maʻalahi ka heluʻana i ka huaʻai likeʻole. ʻO ka huaʻaiʻo kaʻauhauʻauhauʻo ia ka hua mua o kaʻauhau e pono ke ukuʻia ka palapalaʻauhauʻauhau e kūlike i ka palapala no kaʻaha palapalaʻauhauʻole.
Eia kekahi laʻana, inā hoʻohālikelike ka mea kūʻai i kaʻili kālā āpau 35% i nā hoʻopaʻapaʻaʻelua i'ōleloʻia i luna nei, e puʻunaue ana ka mea kālā kālā i nā palapalaʻaina kūʻokoʻa nele i kaʻauhauʻole ma kahiʻoi aku o kā lākou 'auhau kālā.
'Aʻawiʻia ke kaulike = .04 / 1 - .35 = 6.15%
ʻO ka helu helu e hōʻike iā mākou he 6.15% ka hopena ma kahi palapala iʻauhauʻia e like me ka loaʻaʻole o ka 4%. No laila, ināʻoe e hoʻohālike ana i nā kālāʻauhauʻauhau a me nā kālā pilikino aupuni,ʻo ka huaʻai kāpiliʻauhau he wahi kūpono ia e hoʻomaka ai i ke kaʻina hana noiʻi.
Hiki nō hoʻi iāʻoe ke hoʻomāhuahua i ka palapala hoʻolilo i kaʻauhauʻauhau o ka 5% ma kahi e hoʻoemi i kāu kaʻinaʻauhau (.05 manawa 1 -3535 = .0325). Ke hōʻike nei kēia heluʻana iā mākou he 5% ka mea i loaʻa i kaʻauhauʻauhau e like me ka uku kālā kālepaʻole e ukuʻoleʻia he 3.25%.
Aia nā PūnaeweleʻAha Moku'āina noʻoe?
ʻO nā kālā o kaʻaha kālā e pili ana i kaʻaha kālā, he mea maikaʻi loa ia i nā mea kālā i nāʻauhauʻauhau kiʻekiʻe a ma waho o nā pūʻulu hoʻolimalimaʻauhau (e like me ka IRA, 401ks) kahi e hoʻolimalimaʻia ai kaʻauhau ma nāʻauhauʻauhau. Eia naʻe, ponoʻoe e hoʻohana i ka huahuaʻauhau likeʻole e hoʻoholo ai inā he nani nā huaʻai hope loa.
Hiki paha iāʻoe ke nānā hou aku i nā kumuhana i keʻano o kaʻauhau kālāʻana .