Dzidza kana kudyidzana kweDash kushandiswa kunogona kuderedza mari yako yekubhadhara
Ikutanga ndeyekuti mari yekubhadhara mari yakatemwa sei, inoteverwa nemigumisiro yemari yekubhadhara mari ne US Federal Reserve Bank.
Ndezvipi zvikwereti zvinotarirwa?
Mhinduro chete yakarurama ndeyekutengesa zvikwereti kana kuchengetwa kwemari .
Imitengo yekutengesa haisi yepamusoro pemakore gumi emari. Paunenge uchitenga chikwereti chitsva chemusha , vazhinji venyu vachasvetuka paIndaneti kunzvimbo yenyu yaunoda mari yehupfumi kuti muone kuti mari yeChishanu yeHurumende yeBudha iri kuitei. Muzvokwadi, kuchengetwa kwekodzero-backed (MBS), zvinokonzera kutengesa mari yekuchinja. Kutaura zvazviri, hazvisi zvisizvo kuvaona vachifamba nenzira dzakasiyana-siyana uye, pasina ruzivo rwehutungamiri, kufamba ikoko kunokanganisa kungaita kuti iwe uite chisarudzo chekushaya mari.
Vatori venhau vakawanda vevashambadzi vekubatanidza zvisiri izvo vanobatanidza chikwereti chekubhadhara chikwereti kusvika mukushanda kwegore gumi T-Bill. Vazhinji vevatori venhau vezvemari vane ruzivo rwakakwana rwemashamba emabatanidzwa , asi havasi vadzidzisi vekutengesa uye havanyatsonzwisisi kuti mari yekubhadhara chido inotarirwa sei.
Zvandinoda ndezvekurega kushanda nekukweretesa vashandi vanochengeta meso avo pane zvinoratidzira zviratidzo.
The Fed rawered rates - Nei vasina mari yekubhadhara inoderera?
Apo Dhesi inoderedza pfupi pfupi yemazuva ekuderedzwa kwezinga, izvi zvakagadzirirwa kukurudzira kushandiswa kwevatengi mukwereti kwenguva pfupi, iyo inokanganisa matengo emakadhi ekodhi , mamwe emari yemotokari nemigwagwa yechikwereti.
Iko nguva shomanana yekuderedzwa kwemazinga ine zvishoma zvingakonzera pamakore akawanda ekubhadhara mari.
Funga nezveizvi: misika inokurumidza kukurumidza kupfuura yaunotarisira - dzimwe nguva pamheni inomhanya. Apo vashandi vanoona kuwedzerwa kwenguva pfupi, vanobhadhara kunze kwenzvimbo yakachengeteka yezvisungo - kana kuchengetedza mari-inotsigirwa-inotsigirwa - uye kuendesa madhora iwayo mumatanda.
Apo izvi zvinenge zvichiitika, tinoona rally mumusika wekutengesa uye kutengesa-kwekuchengetwa kwemari kutengesa mari, izvo zvose zvinokonzera kuti mutengo wekuda kukwira.
Isu tose tainzwa redhiyo yekutengeswa kubva kune vateresi: "Fed iripo zvakare - slashing rates. Usapotsa mukana uyu kuti uwane mazana akaderera mumakore! Titishevedze nhasi, zvisati zvapera! " Tinotonzwa zvakare pamashoko eusiku: " Fed yakagadzirirwa kuderedza mitero zvakare. Ichi chiito chichabatsira kukurudzira misika yeimba ".
Ivo havasi ivo vanoreva nhema kwatiri, asi ivo vari kusazvidzivirira nekutaura kuti zvikwereti zvekubhadhara zvichatevera kutevera nekuwa. Usawa nokuda kwehupe. Ndiyo mano. Vanoona kana vakati chimwe chinhu ndechechokwadi kwenguva yakakwana, vanhu vanotanga kuchitenda. Inoita kuti foni igare, uye izvi ndizvo zvose zvinokosha kune vakawanda vevarikwereti, vamwe vavo, ini ndinogona kuwedzera, vari kukurumidza kupera.
Ichokwadi Chaicho cheFed Rate Cuts
Kana Fed ichideredza mari, kunyanya nehotera huru kana inodzokorodzwa-peji, vanhu vanofungidzira kuti mari yekutengesa ichawira. Asi kana iwe ukatevera chikwereti chemitengo, sezvandiri kuita, uchaona kuti nguva yakawanda, iyo mitengo inowira zvishoma, kana zvachose. Nhoroondo, apo Feds inoshamisa kudhura mitengo, zviyero zvezvibereko zvinoramba zvakangofanana nezviyero zvakasimbiswa mwedzi isati yatorwa sezvinoitwa mwedzi mushure mekudurwa.
IFed's moves haisi zvachose isingabatsiri uye ine nguva yakanonoka uye isina kukanganisa pamakweretheni emba yemari. Apo varairidzi vanonetseka nezvekuwedzera kwezvinhu , izvi zvinotadzisa kuwedzera zvikwereti. Apo Congress inoda kukurudzira chiito nekukweretesa mari yezvakaoma, ichaita kuti mari yakawanda yeUnited States yevanhu inotenga. Izvi zvinowedzera kuwedzerwa kweMari yeZvhu zvitsva zvinogonawo kuita kuti mitengo iende mberi.
Ini ndinonyevera vateereri vangu kuti vadzivirire sironi uye pfungwa dzenhema dzekuchengetedza iyo inogadzira nekufunga kubhadhara chikwereti chezvikwereti zvichatsanangurira chete nekuda kweFed kuderedza mitengo.
Kunyanya kukosha ndeye apo mutengi ari mukutora sarudzo kana akavhara chikwereti nguva isati yasvika yeFed rate yeka. Iti mutengi ari muchibvumirano uye achifunga kuti Fed ichaenda kumajeri mashoma vhiki inotevera. Mutengi angave akaedzwa kumira asati avhara chikwereti - kukanganisa kukuru.
Apo Fed inogadzira doro guru, ichitaura ne50 nheyo dzepamusoro kana kupfuura, iyo inogona kukonzera mitengo yemakore makumi matatu yakatangira kutanga. Asi panguva inopfuura nguva iyo mitero inowanzobuda kunze kana kuti inotorazve kurasikirwa kwavo - zvichienderana, hongu, panezvino maitiro emakethe. Saka, kana mutengi wangu ari mukati memavhiki matatu ekuvhara pamberi pekufungidzirwa kweFed cut, ini kazhinji ndinokurudzira kuvhara mberi kweFed rate yakagadzirirwa kuchengetedza iyo yepakutanga yakanaka yekutambira.
Dan Tharp anoshanda pa Comstock Mortgage mu Sacramento, CA.
Panguva yekunyora, Elizabeth Weintraub, BRE # 00697006, ndiye Broker-Associate kuLyon Real Estate kuSacramento, California.