Ngaba Ulungele Iimali Eziphezulu Zenzalo?
Zonke iirhafu zentsholongwane zesikhashana zilandela izinga lokuxhaswa kwemali . IKomiti ye- Federal Open Market iphakamise isantya semali esondliwa ngumlinganiselo we-1/4 kwi-21 Matshi, ngo-2018, intlanganiso .
IKomiti ikhuthazwa ngokukhula ngokukhula kwezoqoqosho, imibiko emihle yemisebenzi , kunye neqondo lokunyuka kwamaxabiso empilo. Isantya semali esondayo samanje i-1.75 pesenti. IKomidi yaqalisa ukukhulisa amanani ngoDisemba 2015, emva kokunciphisa umnotho. Ikulindele ukunyusa izinga lokulinganisela kwi-2 ekhulwini ngo-2018.
Iimali zangexesha elide zilandela isivuno seNondyebo se-10 . Ngo-Matshi 21, ngo-2018, bekuyi-2,89 pesenti. Njengoko uqoqosho luphucula, imfuno ye-Treasury iyawa. Izivuno ziphakama nje ngokuba abathengisi bazama ukwenza iibhondi zikhangele ngakumbi. I-Treasury Higher inikezela ukunyusa izinga lentengo kwimali-mboleko yexesha elide, iimali zokubolekwa kwemali kunye nezibophelelo. Kodwa kukho amanyathelo amahlanu awakhusela kwixabiso eliphezulu .
IiAkhawunti zokuSindisa kunye neeCD
Amanqanaba omdla wokugcina ama-akhawunti kunye nezatifikethi zokufaka idiphozithi kwi- London Interbank Offer Rate . Leyo yintlawulo yemali ibhanki ihlawulana ngemali-mboleko yesikhashana. Amabhanki akhokhela ngaphantsi kweLibor ukuze bakwazi ukwenza inzuzo.
I-akhawunti yokulondoloza ilandele ireyithi ye-Libor yenyanga enye, ngelixa ii-CD zilandela iirhafu zexesha elide. I-Libor idla ngokuphindaphindiweyo kweyeshumi kwinqanaba elingaphezulu kwexabiso lemali elondliwe.
IiKhadi zeKhadi leMatyala
Amanani eebhanki zeekhredithi zamatyala ekhredithi kwizinga eliphambili . Yiloo nto abayihlawula ngayo abathengi babo abangcono kakhulu kwiimali-mboleko zesikhashana. Kwaphakama ukuya kuma-4.50 ekhulwini emva kokunyuka kwesantya semali.
Amabhanki angahlawulwa nayiphi na iipesenti ezi-8 ukuya kuma-17 eepesenti ngaphezulu kwimivuzo yekhadi lesikweletu, ngokuxhomekeka kumanqaku akho okwekhredithi kunye nohlobo lwekhadi .
I-Equity Ekhaya Iimali zeTyala kunye neMali yeMali yokuLungiswa
Ixabiso lokunyusa imali likhokelela ukuboleka kwemali mboleko . Ezi zibandakanya imigangatho yokulingana yaseburhulumenteni kunye nayiphina imirhumo yemirhumo.
Imali-mboleko yesikhashana
Ixabiso lentlawulo ehlaziywayo kwimali-mboleko yeminyaka emithathu ukuya kwemihlanu ayilandelanga umlinganiselo wokuqala, i-Libor, okanye i-rate yemali eyondliwe. Kunoko, malunga nama-2.5 ekhulwini aphezulu ngaphezu kweemali ezi-1, ezithathu, kunye nonyaka ezintlanu. Izivuno zizonke iimali-mali ezibuyiselwayo zokufumana iimali.
I-Nondyebo yase-United States ibathengisa kwi-ndereyithi ngenani lemali elinqununu elithatha ngokungathandabuzekiyo isamba semali seFed. Abatyalomali banokubathengisa kwimarike yesibini. Ezinye izinto ezininzi zichaphazela izivuno zabo. Ezi ziquka imfuno yedola ukusuka kubarhwebi be-forex. Xa kufuneka ukuba idola likhuphuke, kunjalo, kufuneka i-Treasury. Abatyalomali baya kuhlawula ngakumbi ukuba bathenge. Ekubeni isantya senzala ayitshintshi, isivuno sonke siwa.
Ukufuna kweNondyebo kwanda nangakumbi xa kukho uxinzelelo lwezoqoqosho jikelele . Kungenxa yokuba urhulumente waseUnited States uqinisekisa ukuhlawula. Zonke ezi zinto zithetha ukuba inzala yemali kwixesha elide alikho nje kulula ukuqikelela njengoko ezo zisekelwe kwisantya semali esondliwe.
Iimali zokuThengiswa kweMali kunye neMali-mboleko yabafundi
Amabhanki amisela ireyithi ezizinzileyo kwiimali zokuhlala eziqhelekileyo kunye neyona nto ephakamileyo kunezivuno kwi-10, 15, kunye ne-30 yeminyaka yeeNondyebo amanqaku kunye nezibophelelo . Oko kuthetha ukuba inzala yenzalo ekhulayo kunye nezo zivuno. Kuyafana okufanayo kwimali mboleko yabafundi. Izinga lentengo yokubambisa i-Mortgage inebudlelwane obuqinileyo kwiintengiso zeeNondyebo .
Bond
Amashishini karhulumente, oomasipala kunye neenkampani bancintisana ne-US Treasurys kwiidola-zimali. Ekubeni bengobugqirha ngaphezu kweeburhulumenteni zaseburhulumenteni base-US, kufuneka bahlawule amaxabiso amanqanaba aphezulu. Nazi ezinye iintlobo zeebhondi .
Umgangatho oMgangatho & oPhephayo uyingcipheko yokungagqibekanga. Ibond kunye nomngcipheko omkhulu, obizwa ngokuba yi -bond-bond bonds , uhlawule ubukhulu kakhulu. Xa iNondyebo ivelisa ukunyuka, kunjalo ke ezi zibophelelo zihlala zikhuphisana.