Miisaaniyada Dawladda Hoose iyo Canshuurta Isku-dhafan
Sidaa darteed, maxaad dooneysaa inaad soo iibsato sanduuqa dammaanadda ee degmada haddii aad iibsan karto sanduuq kale oo dammaanad ah oo leh hufnaan sare?
Maxay yihiin Miisaaniyada Dawlada Hoose?
Deeqaha dammaanadaha dawladda hoose waxay haystaan dammaanad ay soo saareen dawlad goboleedyada iyo dawladaha hoose (iyo hay'adaha kale ee la xidhiidha).
Lacagta dammaanadda degmada waxaa guud ahaan loo iibsadaa daaweynta canshuuraha ee wanaagsan oo la siiyo canshuuraha degmada iyo faa'iidooyinka kala duwan ee sanduuqa labada dhinac . Laakiin sidee baad u ogaaneysaa haddii dhalidda dakhliga dawladda hoose ay tahay mid soo jiidasho leh marka la barbardhigo sanduuqa dakhliga ee canshuuriga ah? Dhamaan kuwa kale oo isku mid ah, jawaabtu waxay ku jirtaa soo-saarka u dhiganta canshuurta.
Canshuurta Lacag La'aanta ah ee Miisaaniyada Dawlada Hoose
Guud ahaan, dakhliga ka soo baxa miisaaniyadda dakhliga degmada waa canshuur la'aan heer federal ah. Haddii sanduuqku leeyahay hanti-goboleedyada laga bixiyay gobolka ee maal-galiyaha, markaa dantaasina sidoo kale waxay canshuur-la'aan ka tahay heerka gobolka.
Dakhliga canshuuraha ee degmooyinka, marka loo eego canshuuraha (ee kiisaska ah degmooyinka) waxay bixin karaan wax soo saarka ka hooseeya curaarta canshuurta (tusaale ahaan, curaarta shirkadaha, bond bonds ) oo leh sifooyin isku mid ah (tusaale ahaan, qaan gaadhka, tayada credit) weli soo jiidanaya maalgashadayaasha.
Xisaabinta degdegga ah ee wax-soo-saarka canshuurta u dhiganta ayaa ka caawin doonta maalgelinta in ay go'aamiso haddii ay yihiin musharax wanaagsan oo loogu talagalay miisaaniyadda dawladda hoose.
Canshuurta Isku-dhafan ee Lacagta Dakhliga Degmada
Adiga oo ku qanacsan yahay qaangaadho iyo tayada amaahda, miyaad tahay inaad ka iibsatid dammaanad canshuur ah oo bixisa 5% ama canshuur bilaa canshuur ah oo bixisa 4%? Xalka fudud ayaa ah in la xisaabiyo soo-saarka canshuurta ee u dhiganta. Canshuurta u dhiganta canshuurtu waa canshuurta horay loo soo canshuuray ee ah in canshuurta la canshuuri karo ay tahay inay bixiso canshuur celinta degmada.
Tusaale ahaan, haddii maalgashad ku jirta 35% taageerada canshuurta ee canshuurta ah marka la barbardhigo labada shardi ee kor ku xusan, maalgashaduhu wuxuu u qeybin doonaa bixinta curaarta aan canshuurta lahayn ee dawladda hoose iyada oo laga jarayo heerka canshuurteeda:
Canshuurta Isku-dhafka ah = .04 / 1 - .35 = 6.15%
Xisaabinta ayaa noo sheegaysa in 6.15% wax-soo-saarka canshuurta la canshuuri karo oo u dhiganta waxsoosaarka canshuur la'aanta ah ee 4%. Sidaa darteed, haddii aad isbarbardhigayso miisaaniyada dakhliga canshuurta ee leh miisaaniyada dakhliga ee degmada, soo bixinta canshuurta u dhiganta waa meel macquul ah oo lagu bilaabo habka cilmi-baarista.
Waxaad sidoo kale ku dhufan kartaa wax-soo-saarka canshuurta laga dhigi karo 5% iyadoo laga jarayo qiimaha canshuurta (.05 jeer 1-.35 = .0325). Xisaabinta noocan ahi waxay noo sheegaysaa in soo-saarka dakhliga canshuurta ee 5% uu u dhigmaa bixinta xisaab-lacageedka degmada oo aan canshuur lahayn oo ah 3.25%.
Miisaaniyadaada miisaaniyadaada miyaad tahay?
Lacagta dammaanadda degmada ayaa guud ahaan soo jiidata maalgashadayaasha canshuurta sare iyo dibadda canshuur celinta canshuur celinta (tusaale ahaan, IRAs, 401x) halka canshuurta dib loo dhigo canshuurta la canshuuri karo. Si kastaba ha ahaatee, waa inaad isticmaashaa xisaabinta u dhiganta canshuur celinta u dhiganta si loo go'aamiyo haddii soo-saarka canshuurta ka dib soo jiidasho leh.
Waxa kale oo aad rabi kartaa in aad dib u eegtid aasaaska miisaaniyada ku saabsan sida miisaaniyada labada dhinacba loo canshuuro .