Murairo weKutsvaga Mufaro Wakadii Waunowana PaUri I Bonds
Izvo zvakagadzirwa nokuda kwekuti zvibvumirano zvakagadzirisa-mukuchengetedzwa kwenyika kuUnited States Treasury Department.
Ngatitarisei pane zvikamu zviviri zveNhepfenyuro I yezvisungo zvezvibereko zvekuda zvakadzika.
Nyaya I I Bond Fixed Rate Component
Chikamu chekutanga cheI I chisungo chekuda kwekuverenga kuverenga ndiyo yakagadziridzwa chidimbu. Inoparidzwa musi weMeyi naNovember kwemwedzi mitanhatu inotevera uye inogadzirirwa neChinyorwa cheMariki, kana nemumwe munhu uyo Munyori asarudza. Iyo yakagadziriswa muyero inogadzirirwa hupenyu hwehutano . Izvi zvinokosha.
Yeuka, kunyange zvakadaro, kuti chiyero chekudzoka paunenge uine zvikwereti hachisi chechidiki chaunofungidzirwa chiyero. Iwe unofanirwa kuongorora mumutengo wekuderera, izvo tichazoenda pane imwe nguva. Kana United States ichinge ichinetseka, zvinoita kuti iwe zvisungo zvive nekutora kwe 0.00%.
Kwemakore gumi apfuura kana kuti, iyo yakasarudzwa yezvikamu zveChechi I kuchengetedza zvibvumirano zvakasiyana kubva kune yepamusoro ye 3.60% munaMay, 2000 kusvika pasi pe 0.10% munaNovember, 2009.
I I Bond Inflation Rate Component Ini ndinosunga kuwedzera kwekutengesa chikamu inoparidzirwa musi weMeyi neNovember, saiyo yakagadziriswa muzana, uye yakanaka kune inotevera mwedzi mitanhatu. Iko kuwedzera kwezvikamu zvezvikamu zvinotaridzirwa nekushandura muIndekisi yeZvakashambadzi , kana CPI , iyo yakagara yakashandiswa kuyananisira kutengesa kwezvinhu muUnited States.
Kana United States iri mukutengesa, chiyero ichi chekufarira chinogona kuva chakaipa. Kana zvisina kudaro, inokura kuti ienderere mberi nekuchinja kwekuwedzera kwezvinhu kuitira kuti musungwa wacho arege kurasikirwa nekutenga simba .
Kwemakore gumi apfuura kana kuti, kuwedzera kwezvakawanda zveChechi I kuchengetedza zvibvumirano zvakasiyana kubva kune yepamusoro ye 2.85% munaNovember, 2005 kusvika pasi -2.78% munaMay, 2009.
Iko kutengesa kwekuwedzera kunosanganiswa neiyo yakagadziriswa yezvikamu zveS Series I kuchengetedza bond kuti ndiverenge chikamu chezvikamu.
The Composite Rate on Series I Bonds
Maererano neUnited States Treasury, chimiro chaicho chekuverenga chidimbu chechido chekuwedzera pa Series Series I kuchengetedza zvibvumirano ndechekuti:
Mutengo wero = [Fixed rate + (2 x Semiannual inflation rate) + (Fixed rate x Semiannual inflation rate)]
Nhau dzakanaka ndeyokuti hauzombofaniri kuverenga muwandu wezvako iwe pachako. Pane kudaro, unogona kushanyira webhusaiti yeUnited States yeDhipatimendi yeHurumende, iyo inogadzirisa mitengo yakatarwa, kutengesa kwenyika, uye zvikamu zvakasiyana-siyana zvemazuva ano, pamwe nenguva dzakapfuura, yezvisungo zvose zvekuchengetedza .
Kuti upe imwe mamiriro ekushandira kwako, Series Izvisungo zvekuchengetedza pakati peMay 1, 2015 neOctober 31, 2015 zvinowana 0.00% kufarira. Izvozvo ndezvokuti kutengesa kwezvikamu zvinokwana -0.80% uye yakagadziridzwa chidimbu ndiyo 0.00%.
Chero pose kana chirwere chisina kunaka chibudiswa, Mari yeHurumende inoshandisa zero muyero; chimwe chinhu chakange chakaitika nekuwedzera kuwedzerwa mumakore achangopfuura nekuda kweStar Reserve Reserve yemari yemitemo. Semuenzaniso, munaNovember, 2009, chikwata chakatarwa chakaiswa pa 0.10% uye kuwedzera kwekutengesa ku -2.78%, zvichiita kuti pave nehuwandu hwekuda kwezinga re zero. Iko, chaizvoizvo, pasina chikonzero chakanaka chokusarudza izvi zvikwereti kupfuura FDIC zvidzidzo zvekuchengetedza zvekuisa panguva ino.
Zvinhu zvakanga zvisingakanganisi zvakare pakutanga kwegore ra2012 apo I Series I yekusungirwa kwehutano yezvikwata yakagadzirirwa sezvinotevera:
Fixed rate = 0.30%
Semiannual inflation rate = 1.53%
Mutengo wero = [Fixed rate + (2 x Semiannual inflation rate) + (Fixed rate x Semiannual inflation rate)]
Mutengo waro = 0.0030 + (2 x 0.0153) + (0.0030 x 0.0153)]
Composite rate = [0.0030 + 0.0306 + 0.0000459]
Composite rate = 0.0336459]
Mutengo wero = 0.0336
Mutengo wero = 3.36%
Pasinei, iyo tsika yakanaka yekuchengetedza mazuva ekugadzirisa zvekare nokuti kana iyo mitengo ichikoshesa, zvakaoma kurova Bhuku reChechi yekuchengetedza zvigaro nekuda kwezvizhinji zvingabatsire pamusoro pezvisungo zvekambani zvezvemabhizimisi kana kunyange kusungirwa kwematare emasisita emumatare .
Zvimwe Pamusoro peNhepfenyuro I Savings Bond
Iwe unogona kuverenga Mutungamiri wedu wekutsvaga muChechi I Savings Bonds . Izvi zvichakutungamira nematoni ezvinyorwa pamusoro pezvisungo zvekuchengetedza, kunyanya nhepfenyuro yandinosunga bhadha, kusanganisira maitiro aunogona kuwedzera kwavari pamasitoreti ako, miganhu yegore rokutenga, umiridzi wezvinodiwa, mutero wekubhadhara, nezvimwe zvakawanda.