Misiyano miviri yakakura iripo pakati pemhando mitatu yeUnited States Treasury: mazuva avo ekukura uye nzira yavanobhadhara nharaunda.
Inobhadhara kuzvinzwisisa musati mafunga kuita sarudzo muhurumende zvisungo.
Nzira Yei Imari yeHurumende Nhatu Zvakachengetedzwa Zvakakura?
Kusiyana kwehutano hwemarudzi matatu ehupfumi hweHurumende kunobatsira kusiyanisa. Mari yezvivigiro (kana kuti "T-bhizimisi") ndeyenguva pfupi yezvisungo zvinokura mukati megore rimwe chete kana kudarika kubva panguva yavo yekubudiswa. T-mabhiridha anotengeswa nekukura kwemasvondo mana, 13, 26, uye 52, ayo anowanzozivikanwa seye-, matatu, matanhatu, uye 12-mwedzi gumi nemwedzi T-bhiri, maererano.
Mamwe mabhiriro e-matatu, uye matatu uye mwedzi mitanhatu inotengeswa kamwe kamwe pavhiki, asi mabhiriji emavhiki makumi mashanu nemasere anotengeswa mavhiki mana. Sezvo maturities kuHaimari mabhizimisi ari maduku kwazvo, anowanzopa zvibereko zvishoma kudarika izvo zvinowanika paNhepfighesti yeHaimari kana zvisungo.
Nhepfenyuro nhepfenyuro nenyaya dzine maturiti enye, matatu, mashanu, manomwe, nemakore gumi, nepo Treasury bonds (iyo inonziwo "refu zvisungo") inopa maturati emakore makumi maviri nemakumi matatu.
Muchiitiko ichi, musiyano chete pakati pezvinyorwa uye zvisungo ndehurefu kusvika pakukura.
Ive makore gumi ndiyo yakanyatsotevedzwa yakawanda yezvose zvakakura; iyo inoshandiswa seyese yechinangwa chekambani yePasimari uye hwaro hwebhangi 'kuverenga yekutengesa mari. Kazhinji, iyo yakanyanya kure kure zuva rekukura, iyo inowedzera dambudziko rekubhadhara kune vatengesi, uye saka inowedzera kubhadhara zvibereko.
Kusiyana Kwokubhadharwa Kwekuda
Imwe misiyano yakakosha ndeyekuti mabhizimusi emari yeHarare anobhadhara chido. Kufanana nehuro-bond bond , Iwe unogona kutenga T-mabhiriji pane zvisingabatsiri kusvika pane, apo pane zviito zvakaita sechiso chechiso chechiso. Iri kutengesa rinotsanangurwa painottion. "Par" iri $ 100, kana kukosha kwatinoitwa neT-mabhiriro.
Semuenzaniso, unogona kubhadhara $ 98 pamutemo wekubhadhara uyo unozopedzisira wakakura pa $ 100. I $ 2 inopesana pakati pekutengeswa kwemutengo uye mutengo wakakura unomirira kufarira kwaunogamuchira paT-bill. Nzvimbo yepaIntern York Federal Reserve Bank webhusaiti inopa tsanangudzo pfupi yekuverenga kukohwa kwakagadzirwa kweT-bill inobva pamutengo wayo uye nguva kusvika pakukura.
Kusiyana neizvi, zvose mari inotora mari uye zvisungo zvinobhadhara " chikwata ," kana kuti kubhadhara chikwereti, kwemwedzi mitanhatu. Kana zvivimbiso izvi zvichitengeswa, vanogona kutengesa pamutengo unoshandura kusvika kune zvibereko zvekukura zvakakwirira, kana kuti zvishoma, kupfuura zvepachipu. Vashandi vanogona kutenga zvibvumirano zvakananga kubva kuHurumende yeUnited States, kuburikidza nehuwandu hweHaidaardDirect website. Nzvimbo yePasimusi yekutsvaga mari inotsanangura kuti kudiwa kwenhamba uye mutengo wezvisungo zvinotsanangurwa sei munotengesi.
Mutengo Wezvinyorwa
Kamwe T-manotsi uye T-zvisungo zvakabudiswa, matengo avo anochinja, saka zvibereko zvavo zvinoramba zvichipindirana nematengo emusika.
Semuenzaniso, taura hurumende inobata musungo wemakore makumi matatu nemakumi matatu kubva muzana kana zvikwereti zvakakwirira. Mumakore gumi anotevera, kutengesa kwekuwanda kunowira zvakanyanya, uye hutsva hutsva huri kubudiswa pa5 muzana.
Vashandi havachazokwanisi kutenga mutana weT-bond uye vachiri kugamuchira chibereko che 10 muzana; panzvimbo pacho, zvibereko zvaro pakukura zvichawa, uye mutengo wawo uchasimuka. Muzhinji, nguva yakareba kusvikira musikana uhu hwakakura, mutengo mukuru wekuchinja huchaitika. Kusiyana neizvi, T-mabhiriyoni anoona zvishomanana munzira yekuchinja kwekutengo sezvo ivo vakakura munguva shoma yakadaro.