Indlela yokubala ukubuyiswa kwangempela kunye nokuveliswa kwangempela
Ukubuyiselwa kwangempela nje ukubuyiswa kotyalomali ofumana emva kokuba izinga lokunyuka kwamaxabiso liqwalaselwe. Izibalo zichanekileyo: ukuba ibhondi ibuyisa u-4% kunyaka owenziwe kwaye izinga langoku lokunyuka kwamaxabiso li-2%, ngoko ukubuyela kwangempela ngu-2%.
Ukubuyiswa kwangempela = Ukubuyiswa kwegama lomntu - Imveliso yamanani
Ukubalwa okufanayo kungasetyenziselwa isikhwama sebhondi okanye nayiphi na enye uhlobo lotyalo-mali.
Ngokufanayo, isivuno sangempela ngumvuno otyunjelwayo webhondi kunciphisa izinga lokunyuka kwamaxabiso. Ukuba ibhondi ivelisa u-5% kwaye ukunyuka kwamaxabiso kusebenza kwi-2%, isivuno sangempela ngu-3%.
Ukuvelisa ngokwenene = Ukuzaliswa kwegama lomlinganiselo - Ixabiso lemali
Kutheni abatyali-mali bebheka ukubuyiselwa kwangempela kunye nokuvelisa kwangempela
Isizathu sokuba ezi zibalo zikhona kukuba ukunyuka kwamaxabiso kunciphisa amandla okuthenga kwidola ngalinye lokulondoloza obambelayo. Ukuba ugcina imali yakho kwindawo ekhuselekileyo, ixabiso lonyulwa lihlala lifanayo, kodwa ixabiso lexabiso lexabiso ngalinye leyona mali liyancitshiswa ngexabiso lokunyuka kwamaxabiso.
Cinga ngale ndlela: Makhe sicinge ukuba kulo nyaka, kuthatha i-$ 200 ukunyusa intsapho yakho iveki. Ukuba ukunyuka kwamaxabiso kuqhuba nge-2%, ngoko ngonyaka ozayo ukuba inqwelo yokuthenga yokutya iya kubiza i-$ 204. Ukuba ukubuya kwi-investments yakho ku-1% kuphela, ke uya kuba ne-202 kuphela kuphela ekupheleni konyaka - amandla akho okuthenga ayancitshiswe ngumlinganiselo phakathi kwe-1% yokubuyisela okukhethiweyo kunye ne-2% yexabiso lokunyuka kwamaxabiso kunye nokubuyela kwakho kwangempela. libi 1%.
Ukuze ulawulwe kakuhle utyalo-mali lwakho, kubalulekile ukunyamekela ukubuyiswa kwangempela.
Indlela yokufaka le Migaqo kwiiNqumo zakho zokuTyala
Izivuno zangempela kunye nokubuyiselwa kwangempela kubaluleke kakhulu ekuqwalaseleni imali, kodwa akukho ndlela yileyo kuphela. Ngamanye amaxesha, abatyali-mali kufuneka bamkele isivuno esingaphantsi kwezinga lokunyuka kwamaxabiso ngokutshintshela ukhuseleko .
Oku kunokwenene ngokukhethekileyo kubatyalomali abalukhulileyo, abatyalo-mali babo basemgangathweni abanokufaka iimpawu zeeDistim (ii-CD), iimali zemarike zemali , izibophelelo zokugcina imali kunye nee- Bonds ze- US Treasury bills . Ubuhle bezo zityalo-mali kukuba ingozi yokungagqibekanga yinto encinci. UmNondyebo we-US, umzekelo, akakaze ahluleke ukuhlawula inzala ehleliweyo kwibhondi. Ingxaki ephosakeleyo, nangona kunjalo, ukuba oku kutyalo-mali kunomyinge ongaphezu kwexabiso lokunyuka kwexabiso okanye, ngokubi nakwehla. Le meko yaziwa ngokuba yimveliso engokoqobo.
Ukunyaniseka Kwangempela
"Ukunyusa okwenene okungenanto" yigama elisetyenziselwa ukuchaza xa isivuno sokutyalomali sokutyalomali silingana okanye siphantsi kwexabiso lokunyuka kwamaxabiso. Njengengxenye yesicwangciso sawo sokubuyisela uqoqosho olubi emva kokunciphisa ngokwezomnotho okwaqala ngowama-2007, i-US Federal Reserve inqamle isantya semali ye-federal ukuba isondele kwi-zero. Ngokwenza njalo, benza imali encinci kumashishini ukuba aboleke imali yotyalo-mali kunye nokwandiswa - isicwangciso esivame ukubizwa ngokuthi "ukunciphisa ukulinganisela." Enye yeenzuzo ezininzi zeli qhinga kukuba iyancipha ukunciphisa izinga lokungasebenzi, apho i-Economic Policy Institute iqikelela ukuba ikhulile ngo-2009 ibe ngaphezu kwe-10 ekhulwini.
Kodwa ngenxa yesi sicwangciso esifanayo, izithuthi zokugcina utyalo-mali olukhuselekileyo ukuba uluntu lwentyalo-mali luhlala lucebisa ukuba baqeshwe kumhlalaphantsi kunye nalabo abasondela kumhlalaphantsi bawela ngaphantsi kwexabiso lokunyuka kwamaxabiso.
Le yimeko engavamile; kwimbali yonondyebo ngokuqhelekileyo ziye zanikeza izivuno ezilungileyo. Kodwa emva koKhuseleko oluPhambili, abatyali-mali baqhubeka bethenga iiNondyebo ngenxa yobume babo njengendawo " ekhuselekileyo " nangona xa isivuno sangempela kulezi zimali zibi.
Ngaphantsi
Isivuno sangempela sotyalo-mali asiyiyo kuphela ingqwalasela okanye, ngamanye amaxesha, nokuba yinto ephambili yokuqwalasela. Abatyalomali nabo kufuneka bajolise nakweminye iinjongo: zabo iinjongo zexesha elide, ubude bexesha lokutyalomali kwabo, kunye nokunyamezela kwabo . Kuzo zonke iimeko, kubalulekile ukuba uqaphele ukuba impembelelo yamanani entengo inokubuyiswa kwakho kotyalo-mali. Xa uvavanya utyalo-mali, qiniseka ukuba uqwalasele ukubuyela kwayo kwangempela kunye nokuveliswa kwangempela, kunokuba ukhangele nje ukubuyisela ukubiza kwayo okanye ukuvunwa kwegama, Ukugcina oku engqondweni kukunceda ukulawula amandla okuthenga okulondoloziweyo.