Somuenzaniso, chiyero chinogona kutaurwa se "LIBOR + 0.50%;" kana LIBOR ikamira pa100%, iyo inenge iri 1,50%.
Kunyange zvazvo zvibereko zvichishandura muhupenyu hwose hwekuchengeteka sezvo huwandu hwezvikwereti huwandu hunochinja, kupararira ("+0.50" mumuenzaniso uri pamusoro) kunowanzogara zvakafanana.
Kuwedzerwa kwaanoita chibereko chechikwata chechikwata chinyorwa rese zvinogona kuva zuva nezuva, vhiki nevhiki, mwedzi, kana matatu, matanhatu, kana mwedzi gumi nembiri. Makambani, maguta, uye dzimwe hurumende dzenyika dzinowanzopa zvinokambaira zvinyorwa-izvo dzimwe nguva zvinonzi "FRNs". Iko mari yeUnited States ikozvino inotarisa kushambadza kwemazwi zvakare.
Nzira Yokugadzirisa Nayo Mukuderera Kwemari Bonds
Iwe unogona kutenga mumwe munhu anofambidzana nemari yezvisungo (kazhinji akafukidzirwa se - FRN (Floating Rate Notes) kuburikidza nemukwereti , kana iwe unogona kudyara mumashandisirwo emari inoshandiswa chete mukutenderera kwekutengesa kwekutengesa.Kusvika kwaJune 2016, paiva nechina kushandiswa-kutengesa mari ( ETFs) yakabata floating rate bonds chete:
- iShares Floating Rate Note Fund (ticker: FLOT)
- Van Eck Market Vectors Investment Bhuku Rinoyerera Bond Bond ETF (ticker: FLTR)
- SPDR Barclays Capital Investment Chikoro Chekuwedzera Nayo ETF (FLRN)
Pacific Asset Yakasimbiswa Nhamba Yakazara ETF (FLRT)
Ramba uchiyeuka kuti muUnited States maFN anowanzopiwa nekambani inorongwa pasi pekutsvaga bhizinesi. Somugumisiro, zhinji zhinji inotenderera mari inenge yakafanana neyengozi sehupamhi yezvibereko zvehupfumi - asi pasina chibereko chakawanda.
Ivai vakangwarira kune njodzi iyi inogona kuitika musati maita upi zvake mune mari. ETF kana kuchengetedzwa kwemunhu mumwe nomumwe.
Mimwe mitauro yakasiyana-siyana inoshandiswa mari inowedzerawo mari inotenderera. Kunze kwekuti mari yacho ichinyatsosarudzwa se floating rate fund, izvi zvisungo zvinowanzoita chikamu chiduku chepodfolio. Vatariri vanowanzovashandisa senzira yekudzivirira mari iyo iyo inotarisira kuti mitengo ichakwira .
Nzira neZvirongwa zveMafashamo eZvipfeko
Kubudirira kwechidimbu chechibvumirano chezvisungo, kana zvichienzaniswa nezvisungo zvetsika, iyo inharaunda yehuwandu yengozi inonyanya kubviswa kubva ku-equation. Kunyange zvazvo muridzi wehutano hwakasarudzwa hunogona kutambura kana huwandu hwezvikwereti huchikwira, kutenderera kwemashoko kunobhadhara michero yakawanda kana huwandu huripo huchikwira. Somugumisiro, ivo vanozoita kuti vaite zviri nani kudarika zvidimbu zvezvisungo apo zvikwereti zvinowedzera.
Flip side, yezvokwadi, ndeyekuti vatengesi vari kutenderera mavheti emitengo vachawana mari shoma kana mizinga inowira nokuti zvibereko zvavo zvichachinja pasi . Uyewo, vatengesi vari muhutano hwehutano hwehutano hwehutano husina chokwadi chekusvika mune ramangwana rekutsvaga kwemari yavo. Kusiyana neizvi, muridzi wezvigadziriswa-chengetedzo inodzivirira anoziva chaizvo zvaachazobhadharwa kuburikidza nezuva rehutano hwehutano.
Nguva Yakanakisisa Yokutsvaga Muzvikwereti Zvakawanda zveMari
Nguva yakanakisisa yekutenga yakasvibiswa purogiramu mapeji ndeye apo mazinga ari pasi, kana kuti akawa nokukurumidza munguva pfupi, uye anotarisirwa kuwedzera. Kusiyana naizvozvo, zvakajeka-vanilla zvisungo zvinonyanya kukoshesa kana huwandu huripo huri pamusoro uye hunotarisirwa kuwira. Kuwedzera kwemashoko manyorerwo zvakarewo chinhu chinonakidza kune vashandi vese vanofunga nezvekuchengetedza chikwereti chekusimudza chinoramba chiripo nehuwandu hwekuwedzera kwezvinhu .