Wakagadzirira Hwokuda Kwekuda Mari?
Zvose zvenguva pfupi inowanikwa muzvikwereti zvinotevera huwandu hwemari inotengeswa. Sangano reWorld Open Market rakasimudza mari yakadyidzana nehutatu nehafu yechishanu pamusangano wayo waMarch 21, 2018.
Komiti inokurudzirwa nekusimudzirwa kwekutsvaga kwehupfumi, mabasa akanaka mabasa , uye kuwedzera kwehutano hwehutano. Ikozvino inodyidzwa mari inosvika 1.75 muzana. Komiti yakatanga kusimudza mitero munaDisemba 2015, mushure mokunge nyika yakanyarara yakachengeteka. Inotarisira kusimudza chiyero chayo kusvika 2 muzana muna 2018.
Yenguva refu mitengo inotevera chibereko cheMakore gumi . Kubva musi waMarch 21, 2018, yaiva 2,89 muzana. Sezvo hupfumi huri nani, kuda kweHaidurys kunowira. Izvo zvibereko zvinomuka sevatengesi vachiedza kuita kuti zvisungo zviwedzere kukoshesa. Pfuma Yepamusoro inobhadhara mari yezvikwereti pazvikwereti zvemazuva mazhinji, zvikwereti, uye zvisungo. Asi kune matanho mashanu anokuchengetedza kubva kumatunhu akakwirira .
Savings Accounts uye CDs
Nhamba yemari yekuchengetwa kwekodhi uye zvigwaro zvekuisa dheta muLondon Interbank Offer Rate . Ndiyo mutengo wekuda mabanki ekubhadharana kune imwe nguva yezvikwereti zvenguva pfupi. Mabhanji anokubhadhara iwe zvishomanana kudarika Libor kuitira kuti vagone kuita purofiti.
Nhoroondo dzekuchengetedza dzinotevera mwedzi mumwe weRibor mutengo, nepo CDs dzinotevera nguva yakareba. Libor inowanzowedzera zvishoma zvegumi zvechimwe chinhu pamusoro pekudyidzana kwemari.
Credit Card Rates
Mabhanki anotarisa chikwereti chekwereti yemari pamutengo wokutanga . Ndizvo zvavanobhadhara avo vanonyanya kukoshesa zvikwereti zvenguva pfupi. Yakasimuka kusvika ku450 muzana mushure mokunge mari yakadyiwa mari ichiwedzera.
Mabhengi anogona kutengesa chero kupi zvako kubva pamapfumbamwe kusvika ku17 muzana kune zvikwereti zvekadhi rechikwereti, zvichienderana nemari yako chikoro uye rudzi rwekadhi .
Mhuri Equity Mirenda eKweretwa uye Kuchinja Kwekubhadhara Mutero
Iyo inodyidzwa mari inotengesa inotungamirira kushandiswa kwemahomwe emari . Izvi zvinosanganisira misha yekuenzanisira mitsara yechikwereti uye chero zvikwereti zvinokonzerwa nemari.
Zvimotokari uye Zvenguva Pfupi Yemihoro
Fixed interest rates muzvikwereti zvitatu kusvika kune zvishanu zvemakore hazvitungamiri purogiramu, Libor, kana kuti inodyidzana nemari. Pane kudaro, inenge chikamu che2,5 kubva kumusoro kune imwe, zvitatu, uye zvishanu zvemari mari yezvivigiro . Zvinowanikwa ndezviyo zvakakwana kudzorera vatengesi vanogamuchira kubata mabhiriro.
Imari yeUnited States inotengesa iyo yekutengeswa kwekusimudzirwa kwechirongwa chekuda iyo inonyatsotevedzera Fed yebhadharo. Vashandi vanogona kuzvitengesa pamusika wechipiri. Zvimwe zvakawanda zvinokonzera zvibereko zvavo. Izvi zvinosanganisira kudiwa kwemadhora kubva kune vatengesi vepamberi. Apo zvinoda kuti dhora ribude, ndizvo zvinoda kuHaidurys. Vashandi vanobhadhara zvakawanda kuti vazvitenge. Sezvo chikwereti chechibereko hachichinje, chibereko chose chinowira.
Chikumbiro cheChechi yeHurumende chinowedzerawo apo kune matambudziko ehupfumi enyika . Ndiyo nokuti hurumende yeUnited States inotsigira kubhadhara. Zvose izvi zvinoreva kuti kudiwa kwezvikwereti pane chikwereti kwenguva refu hakusi nyore kuti ufanotaurire sezvo izvo zvinobva pane zvakadyiwa mari inowanikwa.
Mari dzeMari uye Mari dzeVadzidzi
Mabhenji akagadzirisa zviyero zvakagadzirika pamatarenda akachengetwa uye zvishoma kudarika zvibereko pa 10, 15, uye 30-year Treasury manotsi uye zvisungo . Izvozvo zvinoreva kubhadhara mari yezvikwereti pane zvikwereti zvemazuva mazhinji zvinokwira pamwe chete nezvibereko izvozvo. Izvozvowo zvinotsigira zvikwereti zvevadzidzi. Imba yekutora chikwereti inoshamwaridzana zvakasimba kuChinyorwa chezvinyorwa zvinowanikwa .
Bonds
Hurumende, masisita uye masangano ehurumende anokwikwidzana neAmerica Treasurys kune vashandi vemadhora. Sezvo ivo vane riskier kupfuura hurumende dzehurumende dzeUnited States, vanofanira kubhadhara zvikwereti zvakakwirira. Heano mamwe marudzi ezvisungo .
Mutevedzeri & Urombo huwandu hwehutano hwekusiya. Bond nehuwandu hwehutano, hunodanwa nehuwandu hwezvibereko , kubhadhara zvakanyanya kudzoka. Apo Treasury inobereka kuwedzera, saizvozvowo zvibvumirano izvi zvinoramba zvichikwikwidzana.