Sei Iye zvino Ndichiri Nguva Yakanakisisa Yokuwana Imba
Chibereko chacho chakawedzera mushure mekunge Donald Trump akakunda sarudzo dzemutungamiri we 2016 . Vashandi vemari vaifunga kuti kutengesa kwemitero kwaizoita mabasa uye kuwedzera hupfumi. Ndizvo apo vashandi vanotsinhanisa kumatokari uye zvivako zvekumba.
Pakazosvika musi waDecember 16, 2016, mutengo wakakwira kusvika ku2,6 muzana. Iko yakakwirira kudarika 2.24 muzana yehutano pakutanga kwe 2016.
Mari yakasimuka zvakare nokuti Federal Reserve yakasimudza mari yakadyidzana nemari musi waDecember 14, 2016. Fed inotarisira kusimudzira mari yakawanda kanowanika muna 2017. Kuti uwane mamwe mashoko, ona Ndeapi Nhamba Inofarira Inofanirwa Kuenda?
Mari yeUnited States yemari, zvisungo nemakete zvakakanganisa zvakananga kuwanikwa kwezvikwereti pazvikwereti zvinotengeswa mari. Sei? Kana Treasury ikakwira , saka iwe uchida kufarira. Izvi ndezvokuti vatengesi vanoda kudzoka kwakachengeteka uye vakachengeteka vanoenzanisa nhamba yezvibereko zvezvinhu zvose zvakagadziriswa zvemari. Izvi zvinosanganisira Treasurys, zvigwaro zvemari uye mari yemusika mari . Zvinosanganisirawo mari yemari nemabhandi emakambani . Zvose zvinosvitsa zvibvumirano zvinokonzerwa neZvigiro zveHurumende kubvira apo dzinopikisana kune imwechete yemari.
Nhepfenyuro yemari ndeye yakachengeteka kubva apo hurumende yeUnited States inovatsigira. CD uye mari yemusika mari zvishoma nezvishoma sezvo zvisingavimbiswi.
Kubhadhara kune ngozi yakakwirira, vanopa chikwata chapamusoro. Nokuda kwezvimwe, ona The Day Money Money Fund Nearly Went Broke.
Zvikwereti zvipiko zvinopa kudzoka kwakakwirira kweimwe njodzi. Vashandi vanotenga zvikwereti zvakatsigirwa nehuwandu hwemari yemari. Izvi zvinonzi kuchengetedzwa kwekwereti-backed . Apo Treasury inobereka kuwedzera, mabanho anotora chikwereti chakakwirira chezvibereko zvezvikwereti.
Vashandi mune zvekuchengetwa kwemari-inotsigirwa zvadaro vanoda kuti mazinga akawedzerwa. Vanoda kubhadhara mari yakawanda.
Vaya vanoda nheyo dzakakwirira vanoshandisa zvisungo zvekambani. Kuenzanisa zvikwata seState uye Poor's grade makambani uye zvisungo zvavo pamatambudziko. Nokuda kwezvimwe, ona Mabhizimisi Emitengo Anobata Sei Mortgage Interest Rates .
Nhepfighe Inobatsira Chete Iko Kunogadzirisa Chetatu-Cheji Chemba Mari
Zvakakosha kuziva kuti mari yeHurumende inobereka chete kugadzirisa kusarudzwa-kuverengwa mari. Nyaya yemakore gumi inokanganisa makore gumi nemakumi mashanu emakweretheni asi chikamu chemakore makumi matatu nemakumi matatu chinokanganisa chikwereti chemakore makumi matatu.
Izvo zvinodyidzwa mari inoshandiswa zvinokonzera kugadziriswa kwehuwandu hwemari . IFederal Reserve inotarisa chinangwa chekudyidzana kwemari. Ndiyo mabhanji ekubhadharana anokwidzana mumwe nomumwe kune zvikwereti zveusiku hunodiwa kuti varambe vachichengetedza zvido zvavo . Iko inodyidzwa mari inotengesa inokonzera LIBOR . Ndiyo mabhanji anotengesa mumwe kune mumwe, matatu uye mwedzi mitanhatu. Inobatawo purogiramu yepamusoro . Ndiyo mhanho mabhanji anotengesa avo vanonyanya kukosha. Nokuda kwezvikonzero izvi, iyo inodyidzwa mari inoshandiswa inokonzera kugadziriswa-kuwanda kwemari. Izvi zvinowanzogadziriswa nguva dzose. Heinoi Historical Fed Funds Rate .
Nhepfenyuro Inoshandisa Sei Mari?
Dhipatimendi reMari yeUnited States inotengesa zvikwereti, manotsi uye zvisungo ndezvekubhadhara chikwereti cheUnited States .
Inotaura zvinyorwa mumashoko maviri, matatu, mashanu uye gumi. Bonds inoburitswa maererano nemakore makumi matatu. Zvikwereti zvinobudiswa maererano negore rimwe kana kuti zvishoma. Vanhu vanotaurawo kune chero mari yehupfumi yehurumende sezvisungo, zvigadzirwa zvemari kana Treasurys. Iro remakore gumi-nheti ndiyo inonyanya kukohwa.
Mari yeHurumende inotengesa zvibvumirano pamusitendi. Inogadzirisa hutarisiro hunotarisana nechiso uye chikwereti chekuda kwehutano imwe neimwe. Kana pane zvakawanda zvinoda kubhadharwa, vanoenda kumunhu akakwidziridza mutengo pamutengo uri pamusoro pekukosha kwemaziso. Izvozvo zvinoderedza chibereko kana kudzoka kwakakwana pamari yekutsvaga. Ndizvo kuti mupi wekutengesa anofanira kubhadhara zvakawanda kuti adzore kugamuchira chidimbu chechibereko. Kana pasina kuwanda kwekutsvaga, vashandi vanobhadhara zvishoma kudarika zviso. Izvo zvinowedzera chibereko. Uyo anopa chikwereti anotora chikwereti chiduku kuti awane chidimbu chechibereko. Ndokusaka zvibereko zvinogara zvichienda kune zvakasiyana nedzimwe mari dzeZvigiro.
Nokuda kwezvimwe, ona Sei Mabhidharo Emitengo uye Bond Inounza Kufambisa Mukusarudzwa Mitevero?
Nhamba yeHaimari inowanikwa zvinoshanduka zuva rimwe nerimwe. Izvi ndezvekuti vatengi vanovatengesa pamusika wechipiri . Kana pasina kudiwa kwakanyanya, saka kutengeswa kwezvitengo kunodonha. Inowedzera kuwedzera kunobhadhara. Izvo zvinoita kuti zvive zvakadhura kutenga imba nokuti chikwereti chekuda mari inokwira. Vatengi vanofanira kubhadhara zvakawanda nokuda kwemari yavo, saka vanomanikidzwa kutenga imba inodhura. Izvo zvinoita kuti vavaki vadzike matengo emisha. Kubvira pakuvakwa kweimba ndiko kwechikamu chezvinhu zvakashata zvemuzinda , ipapo kutsika kwemadhorobha kwakaderedza hupfumi hwehupfumi .
Kudhura kwakaderera paHaidurys kunoreva kuderera kwezvikwereti zvezvikwereti. Vashandi vemusha vanogona kuwana imba yakakura. Kuwedzerwa kwekudiwa kunokurudzira misika yematengo. Iko kunowedzera hupfumi. Nhamba dzezasi dzinobvumirawo vagari vepamba kuti vawane chikwereti chechipiri . Vachashandisa mari iyo kumigadziridzo yemusha, kana kutenga mimwe michina yevatengi. Zvose izvi zvinokurudzira hupfumi.
Apo Matengo Anotanga Kusvitsa Gore Rakatasvika 200
Musi waJune 1, 2012, chibereko pamakore gumi emakore Chivigiro cheNhepfenyuro chakaderera zvishomanana panguva yekutengeserana kwemazuva ezuva kusvika 1 442 muzana, yakaderera mumakore mazana maviri. Pakupera kwezuva racho, muzinga wakavharwa zvishoma chete, pa1,47 muzana.
Sei chibereko chacho chakanga chakaderera? Vatengesi vakavhunduka apo mhizha yemabasa inouya muzasi pane yakatarirwa. Vakanga vachinetseka nezvekukwereta kwekodzero kweEurozone . Vakatengesa zvikwata, vachifambisa Dow pasi 275 points. Vanoisa mari yavo mune imwe nzvimbo yakachengeteka, US Treasury inoti. Ndarama, nzvimbo yakachengeteka muna 2011, yakaderera nekuda kwekuwedzera kwehupfumi hwekuChina uye dzimwe nyika dzinotengesa misika.
Vashandi vemari vainge vasati vatorazve chivimbo chavo kubva pamatengesi emakambani e2008 . Uyezve, vakanga vasinganzwisisiki kuti hurumende yehurumende yaizobvumira kuti hupfumi huve pasi pematombo emari . Wedzera mukusava nechokwadi kwakapoteredza musarudzo wekutanga wegore, uye iwe wakanga uine mamiriro ezvinhu asingaitike kune mamwe makore mazana maviri.
Chibereko chakawedzera zvinopfuura 75 muzana, kusvika ku 2.98 muzana pakati paMay naSeptember 2013. Chibage chakatanga kuwedzera mushure mokunge Fed yazivisa kuti yaizoshandisa zvigadzirwa zveHadurys nezvimwe zvivimbiso. Mari yakanga yava kutenga $ 85 mabhiriyoni pamwedzi kubva munaSeptember 2011. Ichi chaiva chikamu chekuwedzera kwehuwandu hwepurogiramu.