Maitiro Avanoita uye Maitirwo Ako.
Maitiro Avanoita
Dhipatimendi reMariki inotengesa zvese zvinokweretwa, zvinyorwa, uye zvisungo panzvimbo yekutengeswa nechinangwa chekufarira.
Kana chido chiri chepamusoro, mabhidhidha achabhadhara kupfuura kukosha kwemaziso kuti agamuchire chiyero chakatarwa. Kana chido chiri pasi, vanobhadhara zvishoma.
Dhipatimendi reMarikiti inobhadhara chikwereti chezvibereko kumwedzi mitanhatu. Kana iwe uchingobata pfuma yeHurumende kusvika panguva, iwe uchadzoka kukosha kwechiso pamwe nemari yaibhadharwa pamusoro pehupenyu hwehutano. Iwe unowana kukosha kwechiso pasinei nokuti iwe wakabhadhara chii paChivigiro paunotta. Iko mari shoma yekutsvaga mari inodarika $ 100. Iko kunovaisa zvakanaka mukati mekusvika kune vakawanda vanoita mari .
Usavhiringidza chikamu chechido neHaidyard kukohwa . Chibereko ndechekudzoka zvachose pamusoro pehupenyu hwechibvumirano. Sezvo Treasurys inotengeswa kushamba, zvibereko zvavo zvinoshanduka vhiki imwe neimwe. Kana kudiwa kuri kuderera, zvinyorwa zvinotengeswa pasi pemaonero anokosha. Kurasikirwa kwakafanana nekuita kuti vatengese. Somugumisiro, zvibereko zvakakwirira. Vatengi vanobhadhara zvishomanana nokuda kwechikwata chekufarira, saka vanowana zvakawanda nokuda kwemari yavo. Kana zvinoda zvakakwirira, zvinotengeswa kune yaunotengeserana pamusoro pehuwandu hwemaziso.
Somugumisiro, zvibereko zviri pasi. Vatengi vaifanira kubhadhara zvakawanda nokuda kwechikwereti chimwe chete, saka vanowana kuderera kudarika kwemari yavo.
Sezvo Treasure iri yakachengeteka, kuda kunowedzera apo njodzi inowedzera. Kuvhiringidzika kunotevera dambudziko rezvemari ra2008 kwakasimudzira kufarirwa kwavo. Muzvokwadi, Treasurys yakawana rekodhi-yepamusoro yezvinodiwa zvinodiwa musi waJune 1, 2012.
Iko makore gumi nemakumi mashanu emari yemari yemari yakabhadharwa yakaderera kusvika pa1 442 muzana, iyo yakaderera zvikuru mumakore anopfuura 200. Izvi zvaiva nekuti vatengesi vakatizira kune ultra-safe Treasurys mukupindurwa nematambudziko e eurozone . Musi waJuly 25, 2012, chibereko chakatora 1.43, chikwata chitsva chakasara. Musi waJuly 1, 2016, zvibereko zvakasvika pakuderera kwemazuva-1,385. Izvozvi zvakange zvichinyatsopera muHurumende yekukohwa mazai .
Kusiyana Pakati Pepfuma Yezvikwereti Bills, Notes, uye Bonds
Kusiyana pakati pemishumo, manotsi, uye zvisungo ndezvokureba kusvika pakukura:
- Zvikwereti zvepfuma zvinopiwa nezvemashoko pasi pegore.
- Nhepfenyuro dzehupfumi dzinoburitswa nemitemo ye2, 3, 5, nemakore gumi.
- Zvikwereti zveHaimari zvinopiwa zvinoenderana nemakore makumi matatu. Vakadzoserwazve muna February 2006.
How To Buy Treasurys
Pane nzira nhatu dzokutenga mari. Chokutanga chinonzi kusakwikwidza kushandiswa kwekutengesera. Izvo ndezvevatori venyika vanoziva kuti vanoda chinyorwa uye vanoda kugamuchira chero zvibereko. Ndiyo nzira iyo vanhu vakawanda vanoita nayo mari. Vanogona kungoenda paIndaneti kuHaidwoodDirect kuti vapedze kutenga kwavo. Munhu anogona kungotenga $ 5 mamiriyoni mu Treasurys nenzira iyi.
Yechipiri ndeyekukwikwidzana kwekutengeserana. Izvo ndezvaavo vanoda kungotenga mari yeHarare kana vakagamuchira chibereko chaidiwa.
Vanofanira kudarika nebhangi kana mutengesi. Mutevedzeri anogona kutenga zvikamu makumi matatu nezvikamu makumi matatu nezviviri zvezana reMari yeDhipatimendi reMariki yekutanga nemari iyi.
Chechitatu ndeyemusika wechipiri . Ndiyo apo vadzidzisi veMarivha vanotengesa zvivimbiso vasati vakura. Bhengi kana mutengesi anoshanda semunhu ari pakati.
Iwe unogona kubatsirwa nekuchengeteka kweHuidurys pasina kunyanya kuva neipi. Yakawanda yakagadziriswa-mari inobhadhara mari inoshandisa Treasurys. Iwe unogona zvakare kutenga chikwereti chekutengeserana chinongova chega Treasurys chete. Iko kunewo mari inoshandiswa-inoshandiswa mari inotarisa Treasurys pasina kuitora. Kana iwe uine chikamu chepodfolio , iwe unogona kunge uine Treasurys.
Maitiro Awo Anogadzirisa Kuwanda Kwemari
Pfuma inobata hupfumi nenzira mbiri dzinokosha. Chokutanga, vanobhadhara chikwereti cheUnited States . Dhipatimendi reMariki inopa zvikwereti zvakakwana zvekubhadhara mari inoramba iripo isingasviki neinosvika mutero wemari .
Kana United States ikasarirwa pane chikwereti chayo , zvino idzi mari haingabhadharwi. Somugumisiro, vashandi vechiuto nehurumende vaisazogamuchira misha yavo. Vagari vekuchengeteka kwevanhu, Medicare, uye Medicaid vaizoenda vasina ruzivo rwavo. Izvozvo zvakangoitika muzhizha ra2011 munguva yeAmerica pakadengenyeka kwematambudziko.
Chechipiri, zvinyorwa zvePasimari zvinokanganisa kutora chikwereti . Sezvo mari yehupfumi ndiyo inonyanya kuchengetedzwa, inopa huwandu hwekudzoka kana kubereka. Vazhinji vatyairi vanoda kutora pangozi shomanana yekuwana zvishoma kudzoka. Kana muzvikwereti uyo ibhangi, vachapa chikwereti kune mabhizimisi kana vimba. Kana ari mubhadhari wega, ivo vachatenga zvivimbiso zvakatsigirwa nebhizimisi chezvikwereti kana mari yekubhadhara. Kana Chechi yeHurumende ichikurira kuwedzera, ipapo chikwereti chaibhadhara pazvikwereti izvi riskier chinofanira kuwedzera mucheki-chechi. Kana zvisina kudaro, munhu wese aizotendeukira kune Treasurys kana akawedzerwa dambudziko risina kupazve yakakwirira kudzoka.
Mhando dzakasiyana dzezvikwereti: Kuchengetedza Bonds | I Bonds | Mahofisi eMaspala | Corporate Bonds | Junk Bonds