Kubatsirwa uye Kurasikirwa Kwekubhadhara Zvikwereti Zvekambani zvePamusoro Wenyu
Kunyange zvazvo iyo purosi yechikoro isiri yevamwe vose, inobata nzvimbo yayo muhofisi yekodzero yemunhu kana sangano.
Ndezvipi Zvikwereti Zvehurumende?
Paunotenga bhizimisi, unokweretesa mari kune bhizinesi rakabudisa iyo mukutsinhanisa nezvekubhadhara chikwereti. Iyo kambani inogona kushandisa mari iyi kuvaka zvigadzirwa zvitsva, kuchinja huwandu hwayo hukuru hwekuita huwandu hunodzoka kune hutano , kuwana makwikwi, kushandiswa mukugadzirwa kwemagetsi, kugadzirisa chikwereti chakare, kana zvimwe zvinhu zvakawanda bhodhi revatungamiri nevatungamiriri vanofunga kuti rakanaka pfungwa.
Nokuda kwekuchangobva kubudiswa, nyore, pachena-vanilla zvisungo pasina chero zvikamu zvakakosha kana sarudzo yakasiyana, iwe uchapa mari yakaenzana nehuwandu hwehutano hwehutano. Pazuva ramangwana rekukura, iyo mari ichadzoserwa kwauri, uye chisungo chichagumisa kuvapo. Mukati, iwe uchawana mari inowanikwa gore negore yakaenzana neyakakodhidza chikwata chaicho chinotakura.
MuUnited State, inowanzowanzogadziriswa nehutano hwekambani kuti iparadzise chikamu chakafanana nemari mbiri, yakagamuchirwa kwemwedzi mitanhatu, saka vashandi havafaniri kumirira mwedzi gumi nemaviri vasati vatora mari yakawanda .
Chii Chinojekesa Mutengo Wechido Pamabhizimisi Ekambani?
Kana iwe ukasara muzvisungo zvekambani, chiyero chekufarira iwe unogamuchira chinoenderana nezvimwe zvinhu zvinosanganisira, asi hazvirevi kune:
- Iko mukana wekodzero unodhura kushambadzirana kwevashandi panguva ino - Izvi zvinowanzoonekwa sezvibereko kune imwechete yeUnited States Treasury bond.
- Zuva rekukura - Iyo nguva yakareba mutyairi anofanira kumirira kuti agamuchire mukuru wechibvumirano kubva kubhizimusi rakabudisa chikwereti, iyo inowedzera chikwereti chaanofarira icho chaanoda muzviitiko zvizhinji. Iko kune zvimwe zvisingawanzoitiki zvinowanzoitika (zvinonzi "inverted yield curve").
- Izvo zvikwereti zvekwereti zvekodzero yebhadhadzi wekusungwa - Bhizimiri inomiririra chivimbiso chokuti iyo corporation ichakuripira iwe, iyo chikwereti. Kana ikambani ikanganisa, iwe haungagoni kuwana mari yako yakadzokera kwauri, kana yakazara kana chikamu. Makambani makuru akasimba, ane mabhizimisi ane simba uye zvinyorwa zvekuwana mari , achange aine mari shoma yekutora kune mabhizimusi riskier ane mamwe maitiro kana kuderedza kutengesa.
- Iko kuwedzera kwepamuviri - Kana kuwedzera kwekuwedzera kwezvikwereti kuchikwira kumusoro, vashandi vezvisungo vachada kuti zvibatanisi zvehurumende zvibereke zvakawanda, saka havazorasikirwi simba rekutenga.
- Mutero wekutengesa wakashandiswa kune ruzivo rwekufarira - Hasi zvisungo zvose zvinobhadhara zvakafanana. Hurumende, Hurumende, uye hurumende dzenharaunda dzichawanzopa humwe hutano hwakanaka, hwakadai semutero usingabhadhari, izvo zvinobvumira vatengesi kubhadhara zvakawanda kwavari vachiri kuwana mari yakafanana yemari. Kuti uite apuro-to-apples kuenzanisa, iwe unofanira kuverenga chimwe chinhu chinozivikanwa semutero unobhadharwa .
- Macroeconomic factors - Kana nyika iri kutarisana nekutyisidzirwa kwekuparadzwa kwenyika yenyukireya kana rudzi ruri pamucheto wekuparadzwa; bhizimisi yehutano yekutengeserana ichaenda kuwa. Izvi zvinotumira kusungwa kunobereka kuburikidza nedenga nokuti varairi vanofunga kuti mukana wekusagamuchira mubhadharo wakareba kwazvo, kana vanoda kutora zvakakwana zvavanogona kuva nazvo pamhuri yavo.
- Mutengo waunobhadhara - Izvi zvinonyanya kuitika kana uri kutenga bhizimusi mumusika wechipiri (kubva kune mumwe muzvinesi panzvimbo pane panguva yekubudiswa). Iyi inyaya yakaoma zvikuru iyo inoda kuti iwane tsanangudzo yake, asi zvakakwana kutaura kuti zvinoita kuti uwane mari yakawanda kana kudarika kudarika kwechikwata - dzimwe nguva zvakanyanya - zvichienderana nemutengo unobhadhara kutenga bhadha. Munguva yekuderera uye kuendesa mberi, vashandi vanoita mari vanochengetedza mari yakawanda vakakwanisa kupinda mukati uye kutenga mabhizimisi epamusoro emakambani emichero yakawanda kwazvo, kuvhara mumazuva ekubhadhara anoenderera kwemakumi emakore.
Ndezvipi Mapiji kana Vashandi Vachave Vachava Vakanaka Zvikwereti Zvezvikwereti Zvekambani?
Mabhandi ehurumende anonyatsobhadhara kuFederal, State, uye mahara. Izvi zvinoreva kuti mutsara wepasi-pasi mushumo wekutsvaga mubereko uchave wakasiyana kune wose munhu wese, zvichienderana nemutengo wako wemutero uye nzvimbo. Izvi zvinorevawo kuti zvisungo zvehurumende, izvo zvinowanzobereka zvakakwirira kupfuura Treasury bonds uye masungo emumasisita, inowanikwa zvakakwana kumatumba emitero akaita seRoth IRA, Traditional IRA, 401 (k), 403 (b), SEP-IRA, kana chirongwa chepensheni. Muzvokwadi, kune vashandi vese vasingadi kutarisana nemari yezvisungo , kushamwaridzana kwekambani kune zvakakosha; iwe haufaniri kumbotora misha yemasisita emasisita mumatare aya nekuda kwekuti zvinetso zvekodhi yemitero ichasvika nguva dzose zvichiita kuti iwe uwane mari shoma inowanikwa kubva kune yako yekuchengetedza pane iwe unogona kunakidzwa nazvo.
Kusiyana neizvi, mubhadharo wepamusoro-soro, anobudirira wekushambadzira ane zvibvumirano zvekambani kuburikidza nekambani yekwereti yezvekwereti , uye ndiani anorarama mune imwe nyika kuti mitero yehutano yehutano (inenge yese yavanoita), ichaona zvose zvaanowana mari inotorwa kubva kwaari kamwe Mitero yehurumende, mitero yehurumende, mitero yemunharaunda, uye kutengesa kwenyika inodzingwa kubva kumudzoka kwake. Dzimwe nguva izvi zvinonzwisisika nokuti kune zvimwe zvikonzero zvekuita zvibvumirano zvemakambani kunze kwemari inowanikwa , kunyanya kana pane bhoti yetikiti yakabatanidzwa nenzira yekutendeuka ropafadzo inokupa mukana wekuita kuti hutano huve sendima yakafanana pamashoko anofadza.