Imbuyiselo yesikhathi sokubamba iyinani lembuyiselo etholwe ngokubamba impahla noma iphothifoliyo yezimpahla phakathi nenkathi ethile, ebizwa ngokuthi isikhathi sokubamba, ngokuvamile esivezwa njengephesenti. Kuwusizo ikakhulukazi ekuqhathaniseni imbuyiselo phakathi kokutshalwa kwezimali okubanjwe izikhathi ezahlukene. Ake sibone ukuthi ingasisiza kanjani ukuthi silawule iphothifoliyo yethu yokutshala imali.
Iyini inzuzo yesikhathi sokubamba?
Imbuyiselo yesikhathi sokubamba iyinani lembuyiselo etholwe ngokubamba impahla noma iphothifoliyo yezimpahla phakathi nenkathi ethile, ebizwa ngokuthi isikhathi sokubamba, ngokuvamile esivezwa njengephesenti. Ukubuyiselwa kwesikhathi sokubamba kubalwa ngokusekelwe enanini eliphelele lempahla noma iphothifoliyo (imali engenayo kanye nezinguquko zenani). Kuwusizo ikakhulukazi ekuqhathaniseni inzuzo yokutshalwa kwezimali okubanjwe izikhathi ezahlukene.
Iyini inzuzo yesikhathi sokubamba?
Ngakho-ke, imbuyiselo yenkathi yokubamba iyisamba sembuyiselo etholwe ngokubamba impahla noma iphothifoliyo yezimpahla esikhathini esithile esinikeziwe, ngokuvamile esivezwa njengephesenti. Ukubuyiselwa kwesikhathi sokubamba kubalwa ngokusekelwe enanini eliphelele lempahla noma iphothifoliyo (imali engenayo kanye nezinguquko zenani). Kuwusizo ikakhulukazi ekuqhathaniseni imbuyiselo phakathi kokutshalwa kwezimali okubanjwe izikhathi ezahlukene. Kusukela osukwini olulandela ukutholwa kwesibambiso futhi kuze kube usuku lokuchithwa kwaso noma ukuthengiswa, isikhathi sokubamba sinquma imithelela yentela.
Ukubamba Ifomula yokubala Yenkathi
Izimbuyiselo ezibalelwe izikhathi ezivamile, njengekota noma iminyaka, zingaguqulelwa ekubuyiselweni kwenkathi yokubamba. I-holding period return (HPR) kanye ne-HPR yaminyaka yonke yembuyiselo phakathi neminyaka eminingi ingabalwa ngale ndlela elandelayo:
Ifomula yokubala inzuzo ngokubamba isikhathi.
Izibonelo Zokusebenzisa Ukubuyiselwa Kwenkathi yokubamba
Ukubalwa kwe-investimenti:
Ithini imbuyiselo yesikhathi sokubamba somtshali-zimali othenge isitoko ngonyaka owodwa odlule ngo-€100 futhi wathola u-€20 wezabelo phakathi nonyaka, uma isitoko manje sihweba ngo-€150? —2023/05/image-63.pngIsibonelo sokubala sokubala i-HPR ye-investimenti.
Ukuqhathanisa utshalomali:
- I-ETF A, ebanjwe iminyaka emithathu, ilinganisele ukusuka ku-€150 kuya ku-€200 futhi yakhiqiza u-€10 ngezabelo.
- I-ETF B, ebanjwe iminyaka emine, ilinganisele kusuka ku-€300 kuya ku-€420 futhi yakhiqiza u-€20 ngezabelo.
Izibalo eziqhathanisa i-HPR yama-ETF amabili
Ukubalwa kuphothifoliyo yesitoko:
Iphothifoliyo yesitoko ikhiqize izimbuyiselo ezilandelayo ezingxenyeni ezine zonyaka: +8%, -5%, +6%, +4%. Iqhathaniseka kanjani ne-benchmark, ekhiqize imbuyiselo ephelele engu-12% phakathi nonyaka?
Isibonelo sokubala se-HPR yephothifoliyo yesitoko.