Chikonzero Nei Pfuma Inofungidzirwa Yakachengeteka
Kune mhando mbiri dzengozi mumusika wezvisungo: chikwereti chekwereti uye chikwata chekuda mari . Chikwereti chinokonzerwa nehuwandu hwekubhadhara chikwereti chichave chisina kukwana , apo chido chekuda mari chinokonzerwa nehuwandu hwekuchinja kwehuwandu huripo.
Pfuma haisi mungozi ndeyekutanga: chikwereti chekwereti. Pasinei nekunetseka pamusoro pehutano hweUnited States, hurumende yeUnited States inoratidzika seyo iri pakati penyika yakachengetedzeka zvikuru maererano nemukana wekuti chido chavo uye guru rekubhadhara riripo panguva. IUnited States haina kumbobvira isisina chikwereti pane chikwereti chayo munguva yemazuva ano, kunyange zvazvo kune dzimwe mamiriro ekugadziriswa muma1800s.
Iwe Unogona Kurambidza Mari Kuzviisa MuPfuma
Nhumbi dzepfuma zvechokwadi hadzina mari yechikwereti, asi dziri pasi pekuda kwehuwandu hwehutengo . Kunyange zvazvo mabhizimisi emari yeHarare uye nguva shomanana-nyaya dzisingatambudziki zvakanyanya kubva kuhuwandu hwemafambiro, kushamwaridzana -kwenguva-bonds (avo vane matanho emakore mashanu kusvika gumi) vanogona kuve nekufungidzira kusinganzwisisiki, asi kwenguva refu-zvisungo (makore gumi uye kumusoro) inogona kunge isina kumira.
Kana muridzi wekuchengetedza mari yekuchengetedza mari kusvikira hukura, izvi hazvisi chinhu. Kunyange zvazvo kukosha kwepamusoro kuchizochinja uye kuwedzera kuburikidza nehupenyu hwehutano hunobva pakuchinja maonero emari yezvibereko uye kutengesa kwenyika , mutengesi anogona kuvimbiswa kuti iye pakupedzisira achaona mari yavo yepakutanga ichidzoka.
Zvisinei, inova chinhu chinoita kana muzvinabhizimisi akamanikidzwa kutengesa mari yeHarare inosati yakura . Muchiitiko ichi, mutengo wezvisungo uchave wakashandura zvichienderana nekuchinja kwemusika, uye mubhadhari achawana mari inogona kuva yakawanda kana kupfuura pasi pekutsvaga kwayo kwepakutanga.
US Treasury Funds uye ETFs
Sezvo humwe hurumende dzekutarisira hurumende dzichikurira zvakakwana pakuzara kwayo, mutengesi muhurumende yehurumende anogona kurara zviri nyore kuziva kuti kunyange kana kukosha kwechibvumirano kuchiderera munguva pfupi, mukuru wacho achabhadharwa munguva yakakodzera.
Izvi hazvisizvo nemari yemari kana mari inoshandiswa pakutsinhanisa (ETFs) inowedzera muHaimari. Kunze kwekuti mari isati iri "chinangwa chezuva" yegadziriro ine zuva rakasarudzwa rinokura, mari haizomboregi.
Mune mari inowedzera mune zviduku-zvisungo, iyo kazhinji haisi nyaya inokosha kubva pakuderera kwechibvumirano chechidiki chiri pasi - kunyange mutengo unogona kuitika kuderera. Zvisinei, mari inoshandiswa muHurumende dzenguva refu inogona kunge yakashata. Kana mitengo yemari yeHurumende ichiderera, izvi zvichaguma nekurasikirwa kwevakuru kune varairi.
Vashandi vanofunga nezvekubhadharwa mari inoshandiswa mari yakareba kare, saka, inofanira kuziva kuti vari kunyanya kufunga nezvekuda kwepamusoro - kunyange zvazvo zvikwereti zvisiri izvo zvisingasviki. Zvinonzwisisika, njodzi huru inogona kuenzanisa nekudzoka kwepamusoro ... kupa misika inofamba nenzira yakarurama.
The Bottom Line
US Treasures zvechokwadi haisi pangozi-isina - kune vanhu vanobatana zvisungo kusvikira pakukura. Zvisinei, pane ngozi kune avo vanotengesa zvisungo zvavo vasati vava kukura kana kuti vanozviisa mumakore akawanda emari yePfuma yePfuma. Somugumisiro, kunyange iyo "mari isina pangozi" yekushambadzira inogona, chaizvoizvo, kuva yakaipisisa mune dzimwe mamiriro ezvinhu.