Ndiyabulela iMakethe yeBond yeThathaka eziNcinane
Izibophelelo ze-Nondyebo zichaphazela uqoqosho ngokubonelela ngemali eyongezelelweyo yokuchitha imali kurhulumente kunye nabathengi.
Oku kungenxa yokuba izibophelelo ze-Treasury ziyimali mboleko ku rhu lumente oqhele ukuthengwa ngabathengi basekhaya.
Ngenxa yezizathu ezininzi, oorhulumente belizwe langaphandle bathenga ipesenti enkulu yeebophezelo zeeNondyebo. Enyanisweni, banikela urhulumente wase-US ngemboleko. Oku kuvumela iCongress ukuba ichithe ngaphezulu, ekhuthaza uqoqosho. Kwakwandisa ityala le-US. Amanini amakhulu kunamatyala ase-US yiTshayina, iJapan kunye neentlanga ezithumela amazwe.
Izibophelelo zeNondyebo zinceda umthengi. Xa kukho imfuno enkulu yeebhondi, iyanciphisa ixabiso lentlawulo kuba. Urhulumente wase-US akafanele anikezele ngokubanzi ukutsala abathengi. Amanqaku e-Nondyebo achaphazela amazinga omyinge kwezinye iibhondi. Abatyalomali kwi-Treasurys banomdla nakwizokhuseleko kwezinye iibhondi. Ukuba amaxabiso oNondyebo aphantsi kakhulu, ezinye iibhonkethi zibukeka ngathi utyalo-mali olungcono. Ukuba ukunyuka kweeNondyebo, ezinye iibhonkco kufuneka zandise iirhafu zazo ekutsaleni abatyalo-mali.
Okubaluleke ngakumbi, iibhondi zithintela inzala yomhlalaphantsi . Abondli-zimali banokukhetha phakathi kwazo zonke iintlobo ezahlukeneyo zeebhondi , kunye neendleko zokuthenga imali ezithengiswa kwimarike yesibini. Bahlala beqhathanisa umngcipheko ngokumalunga nomvuzo onikezelwa ngamanani omdla. Ngenxa yoko, ixabiso eliphantsi lemali kwiibhonkthi lithetha ixabiso elincinci lemali kwii-mortgage.
Oku kuvumela abanikazi bezindlu ukuba bahlawule amakhaya aninzi.
Ama-Mortgages ayingozi ngaphezu kwezinye ezininzi iintlobo zeebhondi kuba zixesha elide, ngokuqhelekileyo iminyaka eli-15 okanye engama-30. Ngenxa yoko, abatyali-mali ngokubanzi bawafanisa neNondyebo yexesha elide, njengamanqaku angama- 10 weNondyebo okanye amabhondi aneminyaka engama-30.
Isibond sinamandla amaninzi phezu koqoqosho ukuba umcebisi wezopolitiko uJacob Carville wambi wathi, "Ndandisoloko ndicinga ukuba kukho ukuzalwa kwakhona, ndifuna ukubuya njengomongameli okanye upapa okanye i-.400 hitterball. Kodwa ngoku ndifuna ukuza umva njengemarike yemboleko. Unokusongela wonke umntu. "
Indlela yokusebenzisa iibhanki ukuqikelela uqoqosho
Ubudlelwane obunamandla obuncinci kwizoqoqosho kuthetha ukuba ungayisebenzisa kwakhona ukubikezela. Kungenxa yokuba izibophelelo zentsimbi zixelele ukuba ngaba batyali abacinga ukuba uqoqosho luya kwenza ntoni. Ngokuqhelekileyo, izivuno zamanqaku exesha elide ziphezulu, kuba abatyali-mali bafuna ukubuyiswa okunye ngokutshintshela ukubopha imali yabo ixesha elide. Kule meko, i- curve isivuno iyakhweba xa ibhekiswa ukusuka kwesobunxele kuya kwesokudla.
I -curve isivinyiweyo isivinini ikuxelela ukuba uqoqosho luya kufikelela kwimpumelelo. Ngaloo nto izivuno kwixesha elifutshane eliphantsi kweeNondyebo , njengenyanga, inyanga-ezintandathu okanye amanqaku eminyaka-nye, ziphezulu kunezivuno kwixesha elide elifana ne-10 okanye iminyaka engama-30.
Oko kukuxelela ukuba abatyala-mali abasigxina bafuna inzala ephezulu, kwaye babuyela ngaphezulu kwezotyalo-mali, kunokuba abatyala-mali bexesha elide. Ngoba? Ngenxa yokuba bakholelwa ukuba ukunyuka kwemali kuya kwenzeka kungekudala kunokuba kubekho kamva.
Ingaba iMakethe yeBond yehla?
Iimakethe ezithengiswayo ziyakwazi ukunyaniseka kunokuba kuthengiswa kwemasheya. Esinye isizathu kukuba iibhondi zithengwa kwaye zithengiswa ngendlela endala. Abadayisi banxeba abaxumi babo ukuba banikezele izibophelelo. Oku kwongeza kwiindleko zokurhweba kwiibhondi, ngakumbi kubatyalimi abancinci. Unokuhlawula amaxesha angama-50 ukuya kuma-100 ngaphezulu ukuba abe neebhondi ezingaphezu kwee-stocks zenkampani efanayo. Kungenxa yokuba izitokisi, kunye nezinye iindawo zokutshala imali, zithengiswa ngekhompyutha.
Ukwakheka kweemarike ezithengiswayo kunye nokwandisa ukunyaniseka kwazo. Abatyalomali abanakufumana amaxabiso angcono ngokukhawuleza. Bamele baqeshane ngabathengi ngabanye.
Ngokufanayo, abathengi abakwazi ukuthengisa ubuninzi beebhondi ngokufanelekileyo. Bamele benze iifowuni ezininzi ukuba bafumane abathengi abaneleyo. Oku kulungelelanisa kuthetha ukuba ixabiso liyakwazi ukuxhamla ngokusingqongileyo ngokuxhomekeke ekubeni umthengisi uthetha kumthengi omkhulu.
Kodwa ukungazithethi nto akuthethi ukuba i-marhwebo isecaleni lokuwa. Kukho izizathu ezithandathu zokuba kutheni i -market bond kunye ne-market bond ayiyi kuphazamiseka . Kodwa ebaluleke kakhulu kukujonga kwimbali. Ukususela ngowe-1980, i-market yebhanki ineminyaka emithathu kuphela ngokubuya okubi. Kwiminyaka emithathu yale minyaka, (1994,1999, no-2013,) imarike yemasheya yenza kakuhle. Oku kunengqiqo, kuba izibhonkqo zihla xa i-market market isuka . Kukho naleyo minyaka leyo i-market market bond lost more than 3 percent. Oku bekungeze kubhalise njengento yokulungiswa kwemarike kwimarike yemasheya.