Qondisisa indlela ukunyuka kwamaxabiso okuchaphazela ngayo ukubuyiswa kwangempela kwiibhondi
Impembelelo ye-Inflation kwi-Federal Reserve Policy
Isiphumo sokuqala kukuba ukunyuka kwamaxabiso angabangela i-US Federal Reserve-okanye nayiphina ibhanki eliphambili leli lizwe, ngenxa yolu hlobo-ukuphakamisa amaxabiso omlinganiselo wexeshana ukwenzela ukunciphisa imfuno yekhredithi kunye nokukunceda ukukhusela uqoqosho ukushushu.
Xa i- Fed iphakamisa amaxabiso emfutshane- okanye xa kukulindeleke ukuba wenze njalo kwiirhafu eziphakathi kunye nexesha elide nazo zivame ukunyuka. Ekubeni amaxabiso entengo kunye nezivuno zihambelana nezikhokelo ezichaseneyo , ukunyuka kwamavuno kuthetha ukuhla kwexabiso-kunye nexabiso elincinci eliphantsi kwe-investment income yakho.
Ukwahlukana phakathi kweeNqununu zokubuyisela kunye nokubuyiswa kwangempela
Impembelelo yesibini yemali yokunyuka kwamaxabiso ayibonakali, kodwa inokubangela ukuluma okukhulu kwii- portfolio yakho emva kwexesha. Esi siphumo esibalulekileyo ngumlinganiselo phakathi kwe-"nominal" ukubuya-ukubuyisela ibhondi okanye ibhondi yebhondi inika iphepha-kwaye " okwenene ," okanye ukulungiswa kwexabiso lentengo, buyela.
Ukuze uqonde le ngcamango, qwalasela inqwelo yokutya okuthengwa ngumntu kwivenkile. Ukuba izinto ezinqwelweni zibiza i-$ 100 kulo nyaka, ukunyuka kwamaxabiso kwe-3% kuthetha ukuba elinye iqela lezinto libiza i-$ 103 ngonyaka. Umntu ofanayo unesikhwama sesikhombiso esifutshane kunye nesivuno se-1%.
Kulo nyaka, ixabiso lentengo-mali eyi-100 yenyuka iya kuma-101 kuphela ngaphambi kweerhafu. Kwiphepha, umtyalomali wenza i-1%. Kodwa kwimali yehlabathi yangempela, ulahlekelwe yimali eyi-2 yexabiso lokuthenga. Ukubuyela "okwenene" ke ngoko-2%.
Umyinge wezinga lokunyuka kwamaxabiso e-United States ukususela ngo-1913 kuye kwaba ngu-3.2%.
Nangona le nto ihlaselwa ngandlela-thile ephezulu yeMfazwe Yehlabathi I, iMfazwe Yehlabathi II, kunye neye-1970, ithetha ukuba abatyali-mali bafuna ukufumana umyinge we-3.2% wonyaka ukuhlala kunye nokunyuka kwamaxabiso.
Hlalani nikhumbule ukuba ukunyuka kwamaxabiso kuhlanganiswa rhoqo ngonyaka njengenzuzo yokutshala imali, ngaphandle kwexabiso lokunyuka kwamaxabiso umphumo awubi. Ukususela ngo-1982 ukuya kwangoku, ukunyuka kwamaxabiso kuye kwenyuka phantse kwi-100% kwisiseko esibangeleyo ngenxa yolu phumo oluxakile. Ngenxa yoko, umtyalo-mali uza kufuneka ukuba abone ukubaluleka kotyalo-mali babo kabini ngeli xesha ukuba baqhubeke nokunyuka kwamaxabiso.
Ukubuyiswa kwangempela ngokukhuseleko
Kwamanye amaxesha, abatyali-mali bazimisele ukurhweba ukubuyiswa kwangempela kwenzuzo ngokutshintshela ukhuseleko . Ngokomzekelo, ngo-Agasti ka-2013, ukubuyela okuqhelekileyo kwisitifiketi se-one-deposit (i-CD) yonyaka owodwa kwaba ngu-0.70%. Oku kubonisa ukubuyela ngaphantsi kwexabiso lentengo, kodwa kwezinye iimeko, ukulondolozwa kwinqununu kuyinkxalabo ebaluleke kakhulu kumalimi.
Ukuba ukhuseleko aluyiyona nto ephambili, qwa lasela umphumo wokunyuka kwamaxabiso . Ukuba injongo yakho ukwakha iqela lembombo kwixesha elizayo, ibhondi okanye ibhondi ekhonkxa ehlawula i-2% ayiyi kunqumla. Kunoko, qwalasela indlela eyahlukileyo eya kuquka ukutyalo-mali oluphezulu phakathi kwezolimo-mali, ukubophelelana kwezivuno kunye nokulingana.
Kwakhona, ezininzi iinkampani zeengxowa-mali zengxowa-mali zinika "imali yokubuyela kwangempela" eyakhelwe ngokukhethekileyo ukuhlala phambili kwexabiso lokunyuka kwamaxabiso phezu kwexesha. Enye into enokubakho kwiingxowa-mali ezikhethekileyo kukuba iindleko zabo zolawulo zihlala ziphakamileyo. Bobabini iVanguard ne-Fidelity banikela ngemveliso ngemali engaphantsi yolawulo kunomlinganiselo we-industry.
Ngaphantsi
Umngcipheko uya kuhlala ube ngumlingo ongasithethi wokutya ngaphandle kwexabiso lokutyalomali lwakho, kodwa ngolwazi olululo kunye nokucwangcisa kakuhle, uya kuba nakho ukugcina amandla okuthenga okulondoloziweyo.