Kutheni kubaluleke kakhulu
Ireyithi ye-10 yemali yeNondyebo isingqinisiso okanye izinga lokubuyisela, ufumana utyalo-mali kule nqaku. Isivuno sibalulekile kuba ngumlinganiselo wokuba ukhokele amanye amazinga omdla . Impembelelo enkulu i- regable rate rates , elandela ixabiso lemali elondliwe .
Kodwa ke i- Federal Reserve ibukele umvuno weNondyebo weminyaka eyi-10 ngaphambi kokwenza isigqibo sokutshintsha ixabiso lemali elondliwe . Kungenxa yokuba inqaku leNondyebo ye-10 leminyaka, njengabo bonke abaNondyebo, ithengiswa kwintengiso. Ngoko ke, isivuno sibonisa ukuzithemba ukuba abatyali-mali banokukhula kwezoqoqosho .
Ingxelo yeNondyebo yeNyaka eyi-10
ISebe leNondyebo le-US lithengisa inqaku leNondyebo le -10. Inqaku yinto ethandwa kakhulu kwisikweletu sehlabathi. Kungenxa yokuba ixhaswa yisiqinisekiso soqoqosho lwe-US. Xa kuthelekiswa namanye amaninzi amatyala omhlaba , akukho mngcipheko omkhulu wokutsalwa kwetyala le- US .
Oku kuyinyaniso nangona ityala lamanje lase-US lingaphezulu kwama-100 ekhulwini kwi-GDP ratio . Oko kuthetha ukuba kuya kuthatha yonke imveliso yoqoqosho lwaseMerika ngonyaka ukuhlawula ityala layo. Abatyalomali ngokuqhelekileyo banokukhathazeka malunga nokukwazi ilizwe ukuhlawula xa umlinganiselo ungaphezu kwama-77 ekhulwini.
Leyo ngongoma, ngokutsho kweBhanki yehlabathi. Akuyona ingxaki xa iphela kuphela iminyaka okanye amabini kodwa iyanciphisa ukukhula xa ihlala iminyaka emashumi.
Ekubeni iUnited States isoloko ishicilela idola lee-dollar, akukho sizathu sokuba kufuneke ukuba ilahleke. Inye indlela kuphela enokwenzeka ngayo ukuba iCongress ayizange iphakamise ityala leliyili .
Oku kungavimbela uMninimzi-mali we-US ukukhupha amanqaku amatsha kaNondyebo.
Iindleko zeeNondyebo zisebenza njani
Inqanaba eliphantsi kwinqanaba leNondyebo le-10 lithetha ukuba kukho imfuno eninzi . Oko kubonakala kungenakuphikisa. Ngaba abantu babengafuni ukukhetha inqaku ngezinga eliphezulu? Kodwa ii-Treasurys zithengiswa ekuqaleni kwintengiso yiSebe lezeNondyebo, elibeka inani elijongene neliso kunye nenzala. Kulula ukudibanisa isantya somdla nesigxina kwiNondyebo. Kulula nakakhulu kuba abaninzi abantu babhekisela kwisivuno njengezinga leNondyebo. Xa abantu bathi "inqanaba leNondyebo le-10 leminyaka," ayithethi inqanaba elithintekayo lentlawulo ehlawulwa kuyo yonke loo nto. Bathetha isivuno.
Iimveliso zeNondyebo zithengiswa kumthengi ophezulu kwi-intanethi yokuqala okanye kwimarike yesibini. Xa kukho imfuno eninzi, abatyali-mali bayabhenela okanye ngaphezulu kwexabiso lobuso. Kwimeko apho, isivuno siyancipha kuba baya kufumana imali ephantsi kwi-investment. Kuyafaneleka kubo, nangona kunjalo, kuba bayazi ukuba utyalo-mali lwabo lukhuselekile. Bazimisele ukwamukela isivuno esincinci ngokubuyisela umngcipheko ophantsi. Kungenxa yoko uza kubona ixabiso leNondyebo liwela ngexesha lesantya-mali sokujikeleza . Yiloo nto ofuna ukuyijonga kuba iya kuqhuba iirhafu zebhanki, kunye nazo zonke ezinye iirhafu zemali, phantsi.
Ibonelela ngexabiso elifanelekileyo xa uqoqosho ludinga.
Xa kukho imarike yenkomo okanye uqoqosho lukwisigaba sokwandiswa komjikelo wezoshishino, kukho ininzi yolunye utyalo-mali. Abatyalomali bafuna ukubuyiswa okungaphezulu kunomqulu we-10 weNondyebo uza kunika. Ngoko ke, akukho mfuno eninzi. Abathengi bazimisele kuphela ukuhlawula ngaphantsi kwexabiso lobuso. Kwimeko apho, isivuno siphezulu. Ii-Treasurys zithengiswa kwisaphulelo, ngoko kukho ukubuyela okukhulu kwi-investment. Ngamafutshane, iirhafu zeNondyebo zihlala zihamba kwindlela echaseneyo yexabiso lentengo.
INondyebo ivelisa utshintsho yonke imihla. Kungenxa yokuba zithengiswa kwimarike yesibini. Ngokuqinisekileyo nabani na ogcina ixesha elipheleleyo. Ukuba ixabiso lebhondi liyeka, kuthetha ukuba unesidingo soNondyebo. Oko kuqhuba kukuvelisa njengoko abatyali-mali befuna ukubuyiswa okungakumbi kwiimali zabo.
Indlela ekuchaphazela ngayo
Njengemveliso kwi-10 yeNyaka yeMali yeNondyebo iphakanyisiwe, ngokunjalo nenani lentengo kwimali-mboleko yeminyaka eyi-10-15, njengemali-mboleko yeminyaka eyi-15. Kungenxa yokuba abatyali-mali abathengi iimbopheko bafuna ukulingana okuthe gqithwayo ngokubuyiswa okuphantsi. Ukuba isantya kwiNqaku leNondyebo liyahla, ngoko amaxabiso kwezinye, ukutshala imali ekhuselekileyo kunokuwela kwaye uhlale ukhuphiswano.
Kodwa iimali zokuthenga kunye nezinye iirhafu zemali mboleko ziya kuhlala ziphakamileyo kuneNondyebo. Kumele bahlawule abahlawuli-mali kubungozi babo obuphezulu bokungagqibekanga. Nangona xa uNondyebo weminyaka eyi-10 evelisa i-zero, inzala yemithwalo yemali iya kuba ngamanani ambalwa aphezulu. Ababoleki kufuneka bahlawule iindleko zabo zokusebenza.
Oku kukuchaphazela njani? Yenza ixabiso elincinci ukuthenga ikhaya. Ufanele uhlawule ibhanki elincinci elingenalo ukuboleka imali efanayo. Njengoko ukuthenga ikhaya kuya kuba kubi kakhulu, ukunyuka kweemfuno. Njengoko iimakethe zengingqi ziqinisa, zinefuthe elihle kwezoqoqosho. Ukwandisa ukukhula kweGDP , okudala amathuba emisebenzi.
Imihlahlandlela yamva kunye neeRekhodi zeeNgxelo
Ngokuqhelekileyo, ixesha elide kwiMveliso yeNondyebo, iphakamileyo isivuno. Abatyalomali badinga ukubuya okuphezulu ukugcina imali yabo ibophelelwe ixesha elide. Oko kubizwa ngokuba yi- curve isivuno .
Ngomhla ka-Juni 1, 2012, izinga leNondyebo le-10 leminyaka lawa kwizinga eliphantsi kakhulu ukususela ekuqaleni kwe-1800. Liye lawa ngama-1,442 ekhulwini. Abatyalomali bakhathazekile ngeengxaki ze- eurozone kunye neengxelo zemisebenzi embi. NgoJulayi 25, 2012, yavalwa ngo-1.43, kwindawo ephantsi kunazo zonke kwiminyaka engama-200.
Ngomhla ka-1 kuJulayi, ngo-2016, ibetha loo rekhodi. Isivuno satshatyalaliswa kwi-intra-day low of 1.385%. NgoJulayi 13, ivalwe kuma-1,32 ekhulwini, ibeka i-new down. Abatyalomali babekhathazekile malunga nevoti enkulu yaseBrithani yokushiya i- European Union .
Isivuno sagqitheka ngo-2017. Okokuqala, ukunqoba kukaDonald Trump kunyaka-mali luka - 2016 lwathumela i-2.60 ekhulwini. Ukususela ngoko iweleke, ukuya kuma-2,48 ekhulwini ngoDisemba 21, 2017.
Inqaku leNyaka eyi-10 kunye neNgcaciso yokuThumela iNondyebo
Unokufunda okuninzi malunga noqoqosho apho kumjikelezo wezoshishino ngokujonga kwi- curve isivuno sentengiso . I-curve ibonisa ukulinganiswa kwezivuno kuyo yonke into ukusuka kwinyanga-nye ye-mali ye-Nondyebo ukuya kwisibophelelo se-30-mali. Inqaku leminyaka eli-10 liphakathi kwendawo ethile, ngoko linika inkcazo yokuba batyala imali eninzi bafuna ukubopha imali yabo iminyaka elishumi. Ukuba bacinga ukuba uqoqosho luya kwenza ngcono kwiminyaka elishumi ezayo, ziya kufuna isivuno esiphezulu ukuze kugcinwe imali yabo. Xa kuninzi ukungaqiniseki, abayidingi ukubuyela ukugcina imali yabo iphephile.
Ngokuqhelekileyo, abatyali-mali abayidingi ukubuyisela ukugcina imali yabo ibophelelwe ixesha elifutshane nje kuphela, kwaye bafuna okungakumbi ukuze bahlale beboshwe ixesha elide. Ngokomzekelo, ngomhla weDisemba 21, 2017, i-curve isivuno yile:
- I-1.35 ekhulwini kwi-bill yeenyanga ezintathu,
- I-1.73 pesenti kwinqanaba leNondyebo-nyaka,
- Ipesenti ezingama-2,48 kwiNqaku leNondyebo le-10 leminyaka,
- Iipesenti ezingama-2,84 kwi-bondury ye-30 yeminyaka.
Esi sivuno sesivuno esiqhelekileyo nangona sisicaba. Abatyalomali bafuna i-1.49 pesenti ngaphezulu ukugcina imali yabo ibophelelwe iminyaka engama-30 kunye neenyanga ezintathu. Oko kuthetha ukuba bacinga ukuba uqoqosho luya kukhula ngakumbi kwixesha elizayo kunokuba lukhula ngoku.
Ngakolunye uhlangothi, xa abatyali-mali befuna ukubuyela ngaphezulu kwithuba elifutshane kunokuba lide lide, elibizwa ngokuba yi -curve isivinini esikhutshwe . Oko kuthetha ukuba bacinga ukuba uqoqosho lukhokelela ekuhlaleni . (Umthombo: "Ixabiso leKharity Curve Daily", iSebe leNondyebo le-US.)