Indlela abaSebenza ngayo kunye nendlela yokuyithenga ngayo.
Indlela Abasebenza ngayo
ISebe leNondyebo lithengisa zonke iibill, amanqaku, kunye neebhonksi kwintengiso kunye nenani lentlawulo echanekileyo.
Xa umfuno uphakamileyo, abathengi baya kuhlawula ngaphezu kwexabiso lobuso ukuze bafumane isilinganisi esicwangcisiweyo. Xa ixabiso liphantsi, lihlawula ngaphantsi.
Isebe leNondyebo lihlawula umyinge wesantya emva kweenyanga ezintandathu. Ukuba ubambelele kwi-Treasury ukuya kwixesha, uza kubuya ubukhulu bomntu kunye nomdla owahlawulwayo ngobomi bentambo. Ufumana ubuso bunjani kungakhathaliseki ukuba uhlawule ntoni kwiNondyebo kwintengiso. Inani elincinane lotyalo-mali li-$ 100. Ezizibeka kakuhle ekufikeleleni kubanini-mali abaninzi.
Musa ukudibanisa isantya somdla kunye neNondyebo isivuno . Isivuno sibuyisela ngokupheleleyo kwimpilo yesibophelelo. Ekubeni i-Treasurys ithengiswa kwintengiso, isivuno sazo sitshintsha ngeveki. Ukuba ixabiso liphantsi, amanqaku athengiswa ngezantsi kwexabiso lomntu. Isaphulelo sifana nokuwafumana ekuthengiseni. Ngenxa yoko, isivuno siphezulu. Abathengi bahlawula ubuncinci kwizinga lesenzalo esinqunyiwe, ngoko bafumana imali yabo. Xa imfuno ephakamileyo, ithengiswa kwisitishi ngaphezulu kwexabiso lomntu.
Ngenxa yoko, isivuno siphantsi. Abathengi bekufuneka bahlawule ngaphezulu kwerhafu efanayo, ngoko bafumana imali encinci yokubuyisela imali yabo.
Ekubeni i-Treasury ikhuselekile, imfuno iya kwanda xa ingozi iphakama. Ukungaqiniseki emva kweengxaki zemali ka - 2008 kwandise ukuthanda kwabo. Enyanisweni, i-Treasurys yafikeleleka kumazinga aphezulu afunekayo kwiirekhodi ngoJuni 1, 2012.
Imali ye -Nondyebo yeminyaka eyi-10 ihlawulele kuma-1,442 ekhulwini, inqanaba eliphantsi kuneminyaka engama-200. Oku kungenxa yokuba abatyali-mali babalekela kwi-Treasury ekhuselekileyo ekhuselekileyo kwi- eurozone . NgoJulayi 25, 2012, isivuno satshontsha 1.43, irekhodi elitsha liphantsi. NgoJulayi 1, ngo-2016, isivuno sasiwela kwi-intra-day low of 1.385. Le mivuzo yayinempembelelo yokunyathela kwi- Curve isivuno .
Ukwahlukana phakathi kweeNqununu zeeNondyebo, amanqaku kunye neeBond
Umahluko phakathi kweebhili, amanqaku, kunye nezibophelelo zide ubude ukukhula:
- Iingxowa-mali ze-Nondyebo zikhutshwa ngokwemigangatho engaphantsi konyaka.
- Amanqaku e-Nondyebo akhutshwe ngokwemigangatho ye-2, 3, 5 kunye neminyaka eyi-10.
- Iibhondi zeeNondye zikhutshwe iminyaka engama-30. Babuyiselwa kwakhona ngoFebruwari 2006.
Ukuthenga i-Treasurys
Kukho iindlela ezintathu zokuthenga i-Treasurys. Iyokuqala ibizwa ngokuba yintengiso yokungafuni ukukhuphisana. Oko kungenxa yabatyalomali abazi ukuba bafuna inqaku kwaye bazimisele ukufumana nayiphi na isivuno. Yile ndlela yindlela abatyali-mali abaninzi abasebenzisa ngayo. Banokungena kwi-intanethi kwi-TreasuryDirect ukuze bazalise ukuthenga kwabo. Umntu unokuthenga kuphela i-$ 5 yezigidi kwi-Treasurys ngale ndlela.
Iyesibini yintengiso yokuthengisana yokuthengisa. Yiyo kuphela abo bazimisele ukuthenga uNondyebo xa befumana isivuno esifanelekileyo.
Kumele bahambe bhanki okanye umthengisi. Umtyalo-mali angathengisa kangangoko amaphesenti angama-35 exabiso lemali lokuqala leSebe leNondyebo ngale ndlela.
Ingxenye yesithathu iyimarike yesibini . Yilapho abanikazi baNondyebo bathengisa khona iimfanelo ngaphambi kokukhula. Ibhanki okanye umthengisi usebenza njengomntu ophakathi.
Unokufumana inzuzo ekukhuselekeni koNondyebo ngaphandle kokwenene. Uninzi lweengxowa-mali zengxowa-mali ezizimeleyo zakwa -Treasury. Unokuthenga kwakhona i-fund eyodwa ephethe i-Treasurys kuphela. Kukho neengxowa-mali ezithengiselanayo ezilandelela i-Treasurys ngaphandle kokuzifumana. Ukuba unayo iphothifoliyo eyahlukeneyo , mhlawumbi sele u-Treasury.
Indlela abachaphazela ngayo uqoqosho
I-Treasury ithintela uqoqosho ngeendlela ezimbini ezibalulekileyo. Okokuqala, baxhaswa ngetyala le- US . ISebe leSebe lezeMali lijongene neemali ezikhuselekileyo zokuhlawula iindleko eziqhubekayo ezingabandakanywa ngeniso yengeniso engenayo .
Ukuba iUnited States ithe yahlawulwa kwityala layo , ke ezi ndleko aziyi kuhlawulwa. Ngenxa yoko, abasebenzi bezempi nabarhulumente babengeke bafumane imivuzo yabo. Abamkeli boKhuselo loLuntu , iMagare, kunye neMedicaid baya kuhamba ngaphandle kwezibonelelo zabo. Kucishe kwenzeke ehlotyeni ka-2011 ngethuba leNgxowa-mali yamatyala eMelika.
Okwesibini, amanqaku kaNondyebo athinte amaxabiso omhlalaphantsi . Ekubeni amanqaku e-Nondyebo yi-investment ekhuselekileyo, anikezela ngezinga eliphantsi kakhulu lokubuyela okanye ukuvelisa. Uninzi lwabatyalomali bazimisele ukuthatha ingozi emfutshane ukuba bafumane ukubuyela okunye. Ukuba loo mtyali-mali uyibhanki, baya kukhupha imali-mboleko kumashishini okanye abanini bezindlu. Ukuba ngaba ngumtyalo-zimali ngamnye, baya kuthenga iziqinisekiso ezixhaswa ngumnini-mboleko okanye umsebenzi wokuboleka imali. Ukuba uNondyebo ukhiqiza ukwanda, ngoko umrhumo ohlawulwa kule mali-mali okhulayo kufuneka ukwandise kwisinyathelo-sitshixo. Ngaphandle koko, wonk 'ubani uya kutshintshela kwi-Treasurys ukuba ingozi eyongeziweyo ayifuni ukubuyisela phezulu.
Iintlobo ezahlukeneyo zeebhanki: Iibhonki zokugcina Bonds | Iimali zeMasipala | Bonds Corporate | Iibhondi zeJunk