Matanho mashanu ekutora ikozvino
Izvozvo zvinokanganisa zvimwe zvose zvinodhaka . Iyo inowedzera zvakananga mitengo yekuchengetera mabhuku, maCD, uye mari yemakethe maaka. Mabhandi anoshandisawo iyo kutungamirira purogiramu yenguva shoma inotora.
Izvi zvinosanganisira zvikwereti zvemari, makadhi emakwereti, misha yekutengesa kumusha yekwereti uye kugadziriswa-muda mari . Nhengo yeFed inowedzera zvakasiyana-siyana inobata mazinga ekureba kwenguva yakareba, zvakadai sekugadziriswa -kuwedzerwa kwezvikwereti uye zvikwereti zvevadzidzi. Ndicho chimwe chezvinhu zvinonyanya kukosha izvo zvinotarisa chido chekuda .
Iyo Inokubata Sei Iwe
Nhamba yekutengesa mari inoreva kuti mabhizimisi achakubhadhara chikwereti chakakwirira pamari yako. Asi ivo vachakupawo mari zhinji kune zvikwereti.
Nhoroondo dzekuponesa, maCD, uye mari yemisika. Mabhanki anotara nhengo dzezvikwereti zvezvikwereti zvose zvakagadziriswa mari muLondon Interbank Offer Rate . Libor iri shomanana yegumi pane imwe nhepfenyuro pamusoro peiyo inodha mari. Libor ndiyo inotora mabhanji ekubhadharana kune zvikwereti zvenguva pfupi.
Fixed accounts accounts inosanganisira savings accounts, mari yemusika mari , uye zvigwaro zvekuisa . Vazhinji vavo vanotevera mwedzi umwe Libor. MaCD akawanda kwenguva refu anotevera nguva yakareba-Libor mahara. Ona Libor Nyaya Inofananidzwa neFid Funds Rate .
Kadhi yemakadhi. Mabhanki anotarisa chikwereti chekwereti yemari pamutengo wokutanga . Izvo zvinowanzoti zvikamu zvitatu zvakakwirira kudarika zvakasimwa mari. Iko yepamusoro yezviyero ndizvo zvavanobhadhara avo vanonyanya kukoshesa vatengi venguva pfupi. Kero yako yekwereti yekutenga chikwereti ichava masere kusvika pa17 mapeji akakwirira kudarika premime rate. Izvo zvinoenderana nerudzi rwekadhi iwe une uye chikwereti chako.
Kana uchida zvimwe, ona Consumer Financial Protection Bureau .
Musha wekutengesa mitsara yechikwereti uye kugadziriswa kwemari yezvikwereti. Iko inodyidzwa mari inoshandiswa inotungamira zvakananga kurongedza kushandiswa kwemari . Izvi zvinosanganisira misha yekuenzanisira mitsara yechikwereti uye chero zvikwereti zvinokonzerwa nemari. (Inowanikwa: "Maitiro Aungaita Mari Yako Sokutengeswa Kwemari Kunounza Mitengo Yakawanda," The New York Times, December 15, 2015.)
Mari nezvikwereti zvenguva pfupi. Iko mari inokwidziridzwa inokanganisa zvisinganzwisisiki iyo inogadzirisa zvikwereti zvinowanikwa muzvikwereti pazvikwereti zvitatu kusvika kumashanu zvemakore Izvo nokuti mabhanhire haasati atsigira izvi pamutambo mukuru, Libor, kana kudyidzana mari yakawanda. Vanovatsigira pane imwe, matatu, uye mashanu. Zvibereko ndezvenyika yose inotora vatengesi vanogamuchira yekuchengeta Treasurys. Mutengo wamunobhadhara uchava we2,5 muzana wepamusoro kupfuura Pfuma yeHurumende yehuwandu hwakafanana.
Iko inodyidzwa mari inotengeswa ndeimwe yezvinhu zvinokonzera mari yeHaimari musara. Dhipatimendi reMari yeUnited States rinovatengesa pane imwe nzvimbo. Izvo zvakakwirira zvinoda, iyo inoderedza chikwereti chechido icho hurumende inofanira kuripa. Izvozvo zvinoreva kuti chido chavo chavanofarira chinovimba nevatengi vanofunga. Semuenzaniso, vatengesi vanoda mari yakawanda iyo Treasurys kana pane matambudziko ehupfumi enyika . Pfuma inowedzera-yakachengeteka nokuti hurumende yeUnited States inotsigira kubhadhara.
Sezvo hupfumi huri nani, pane zvishoma zvinoda. Izvozvo zvinoreva kuti hurumende ichabhadhara chikwereti chakakwirira. Uye Imari yezvivigiro ine zvakawanda zvekubhadhara nokuti chikwereti cheUnited States chasvika madhora 20 trillion .
Chimwe chikonzero ndicho chido chedhora kubva kune vatengesi vekare . Apo zvinoda kuti dhora ribude, ndizvo zvinoda kuHaidurys. Ndiyokuti hurumende dzakawanda dzekunze dzinobata Treasurys senzira yekutsvaga mari muUS $. Vanozvitenga pamusika wechipiri . Kana kudiwa kwedhora kunowedzera, pane chido chakakwirira cheHaidurys. Izvo zvinotumira mitengo yacho asi inobereka pasi .
Kana paine chido chakakosha chemadhora uye Treasurys, zvinotengeswa pamishumo yeHarare zvinogona kuwira. Izvozvo zvinogona kukanganisa kuwedzera chero kupi zvako kubva kuHed's rate hikes kana kuda kwaiva kwakakwana zvakakwana. Asi izvi hazvigoneki. Sezvo hupfumi huri nani, kuda kweHuigurys kunowira.
Somugumisiro, zvikwereti zvemari pamotokari uye mamwe mhemberero dzenguva pfupi dzinomuka pamwe chete nemari yakaderedzwa mari.
Mortgage rates uye zvikwereti zvevadzidzi. Mabhandiwo anotorawo matanho ekugadziriswa kwezvikwereti zvinokweretwa paHaimari inobereka. Zvikwereti zvitatu nemashanu zvemotokari yemotokari zvinowanikwa pamakore mashanu emari. Vanotanga chikwereti chezvibereko pamakore gumi nemashanu ekubhadhara mari pamusana pezvikamu gumi-gumi zveMari . Mutengo wegore rechigumi nemashanu wakatarwa kutora chikwereti chinenge chikwata chapamusoro kupfuura cheMari. Zvakare, izvozvo zvakanyanya ndezvokuti bhanhire rinogona kuita purofiti uye kuvhara mari. Somugumisiro, zvibvumirano zvakananga zvine chokuita nekubhadhara chikwereti chido .
Bonds . Iwe unogona kunge uine zvisungo sechikamu cheIRA yako kana 401-k. Zvikwereti zvikwereti zvakaitwa kumakambani nehurumende. Kana iwe uine bhandi, iwe unogadzira mari kubva kune chikwata chechibereko chabhadhara pairi. Nhamba iyo yakagadzirirwa hupenyu hwehutano. Sezvo mari yekudyidzana mari inowedzera, chibereko chezvikwereti kune mamwe mazvisungo zvichamuka kuti varambe vachikwikwidzana. Izvozvo zvinoreva kuti zvisungo zvichange zviri nani kudyara mune ramangwana. Asi kana iwe uchitengesa bhadha yako, ichava yakakosha. Ndiyo nokuti inopa chidimbu chechibereko chepasi pane zvimwe zvisungo. Nokuda kwezvimwe, ona MaBonds Anobata Sei Upfumi?
Zvichida iwe une mari yekutengeserana mari. Hunhu hwepamusoro hwekutora haubatsiri mari yezvisungo. Iyo inotengeswa inosimudza zvishoma chete kana hupfumi huri kuita zvakanaka. Mukudaro, vashandi vakawanda vanotenga mamwe mashizha. Izvozvo zvinoita kuti zvisungo zvisave zvisingakoshi. Izvozvo zvinoodza mwoyo kukosha kwemari yezvisungo. Nokuda kwezvimwe, ona Mabhidharo Anobata Sei Iko Stock Market?
Matanho mashanu ekutora ikozvino
1. Kubhadhara chero chikwereti chekwereti chekwereti. Nharaunda yako yekutora ichakwira pamusoro pemakore maviri anotevera sezvo Fed inomutsa mazinga.
2. Inzwa zviri nani pakuponesa. Iwe uchawana zvakawanda. Asi usapinda muDCD yemakore matatu kana mashanu. Sezvo Fed inokurudzira mitengo inokwira gore rinotevera, iwe uchanonoka pane zvakadzoka zvakakwirira.
3. Kana uchida kutenga midziyo, fenicha, kana kunyange motokari itsva, usazvidzivirira. Nhamba yezvikwereti pane iyo zvikwereti iri kukwira. Vanongowedzera kupfuura makore matatu anotevera.
Izvozvowo ndezvechokwadi kana uchida kugadzirisa kana kutenga imba itsva. Nhamba dzechido chekugadziriswa-chiyero chezvikwereti zvinokwira iye zvino. Vachaenderera mberi kuita kudaro mumakore matatu anotevera. Saka mubvunze mubhengi wako pamusoro pezvinoitika kana chido chekufarira chichigadziriswa zvakare. Vachange vari pamwero wakakwirira kwazvo mumakore matatu kusvika mashanu. Iwe unogona kuva nani nani kune imwe yakasarudzwa-yekutengesa mari. Ndokusaka iye zvino ingangodaro nguva yekutambudzika yekuwana chikwereti .
4. Taura nemudzidzisi wako wezvemari nezvekuderedza mari yezvisungo zvaunayo. Iwe unofanirwa kunge uine dzimwe zvibvumirano kuti uchengetedze huwandu hwepodfolio. Icho chidziro chakanaka chinopesana nedambudziko rezvemari. Asi ino haisi nguva yakakodzera yekuwedzera mari yakawanda yezvisungo. Pane kudaro, zvikwata ndezvokutsvaga zviri nani sezvo Fed ichiri kuramba ichikwidza mitero.
5. Nyatsoteerera zviziviso zveGreen Open Market Committee. Ndiyo iyo Federal Reserve komiti iyo inosimudzira chibereko chekuda. Inosangana kanomwe pagore. Heino purogiramu yemisangano yeFOMC ya2018. Tsvaga Mari Inokwidziridzwa Sei?